davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This account XXXX XXXX XXXX XXXX is reporting on my credit report when I filed an identity theft report on this account. I received a letter from the company stating this would be removed and its still reporting. The date opened is different days reported on each agency. The high credit limit reporting is incorrect on all the reports their all different amounts. Last date active is incorrect as they put the item back on my report after reporting it and changed it to active. I want this account removed.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud.

Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not.

Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights.

Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement.

This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX  XXXX, XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo was notified that I elected to opt-out and I don't provide them authorization to report my mortgage to credit bureau XXXX They received a payment each month for a debt they have failed to validate. They received funds via XXXX that IRS approved. They still have not credit the account. I included bank confirmation for each payment for XXXX XXXX XXXX XXXX for which they said XXXX months were not paid. 

I also want my asset back security that is being hold by XXXX investment to be sold and the funds to be transferred to my personal XXXX XXXX. 

They have sent notification stating they were investigate the account and was expected to have complete In XXXX but was delayed to XXXX. However, they have not pause their payment due to a billing error. 
18 USC 1025 - lying, fraud, etc regarding any instrument, promissory note, etc.

18 USC 1348 - fraudulently getting money from transfer of an instrument or security 12 USC 504 - breaking fiduciary duties- $ 25,000- {>= $1,000,000} A DAY penalty ( this one has a multi-tiered system and the charge should be specific )
Consumer complaint received 2024-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Viking Client Services (WA)

On XX/XX/XXXX, I found a notification stating that I owe a debt to XXXX XXXX XXXX in the amount of {$1300.00}. The letter was dated XX/XX/XXXX, and it was from Viking Client Services , LLC. I spoke to a lady named XXXX and I gave her the reference number of XXXX. She refused to recognize my call as an official dispute for the debt because I would not give her my name. After continuing to talk over me, she hung up on me stating that it wasn't an official dispute.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (TX)

I use my bank to autopay the amount owed on a XXXX Credit Card for a cell phone. The monthly payment is due on the XXXX, I have it setup with my bank to pay on the XXXX, they have repeatedly held payment for more than 4 days to say it was not received ontime. My bank sent me proof they had the funds in their account on or before the XXXX, yet XXXX XXXX charges me increased interests amounts and XXXX late fee. They have then added interests on late fees they have put on my account. 

This has happened at least 4 times costing me over XXXX in late fees, plus a 29 % interest rate on a 0 % for 24 months card. I have sent final payment and I am closing the account when they cash the check but I want someone to know the shady business practices this company is using and see what can be done about it.
Consumer complaint received 2024-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BCI FINANCIAL GROUP, INC. (FL)

Mortgage was the best option for my concern, but it involves after XXXX XXXX a mortgage. 
After XXXX XXXX a mortgage for my new home I have been bombarded with these notices in my XXXX  that appear to be from my lender but in fact are not. The marketing presentation these companies are using is deceptive and can be frightening because of the wording on the cover of the mailers or envelopes such as " Final Notice ''. These companies for Home Warranty , Mortgage Insurance and the like. I find these to be very harmful and create unnecessary stress for me as a homeowner and always sensitive to any information that comes stating my mortgage company name. This should be regulated more closely, or they need to be stopped from using the marketing tactics of scaring people into calling them. I have attached XXXX examples I received today among the many others received as well.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Until a few weeks ago I was able to access my Transunion credit report online. Currently I am unable to access and a message says I can not. Multiple calls to Transunion resulted in speaking with customer service, a manager and someone in tech support. I was advised it is flagged to NO for online access.

I was advised today that the software makes the decision as to online access. I know that HUMANS program software and asked how the NO can become a YES for online access to the report. I was advised the software may change it in the future. I advised this is an unacceptable answer. I advised I would report to CFPB. Please assist.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MN)

Incorrectly informed as to the policy and procedure in resuming payments on the mortgage as negative credit reporting and stating that forbearance must end automatically by expiration of the applicable time period before any payments should be made or could be made to avoid delinquent status. I attempted to make payment prior to the end date of the forebearance as to mitigate any negative reporting and mitigate any potential damage only to met with a purported mandate that mortgage could not be serviced until after negative reporting would have been furnished by operation of terms. Full payment of all amounts past due would have been furnished to mitigate such damage.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID and my Proof of Address with my most recent bill.
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CCM Finance LLC (TX)

I purchased a vehicle on XXXX XXXX,2024 per my contract first payment due on XX/XX/year>2024 paid a large down payment. Car was repossessed on XXXXXXXX XXXX,2024 when calling customer service they advised that the car was repossessed due to insurance. When trying to get the car back they advised that I couldnt get the car back unless I refinanced or paid the account off in full. Director of operations XXXX advised that the bank would not cover my loan.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC (OH)

They have called and left a voicemail to a person I share a home with. on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. I submitted a request on their website to not contact a specific phone number. They proceeded to call that number. I called them today and told them to not contact that number anymore. They did not confirm they will stop, and proceeded to attempt to get more information out of me.
Consumer complaint received 2024-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MD)

On XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX I contacted Freedom Mortgage regarding my escrow. There were several escrow transactions associated with my hazard/homeowners insurance paid by Freedom. {$2300.00} previous provider, XXXX which was cancelled, {$1600.00} to another insurance provider to replace XXXX which was cancelled as well. Freedom paid my new provider, XXXX {$1700.00} for escrow year, XXXX to XXXX I received refunds both payments and sent those back to Freedom to be put back into my escrow account. I also made two mortage payments during this time. When I contacted Freedom about my statements ( XXXX and XX/XX/XXXX ) escrow balance, their statement was different from what representatives discussed with me on the phone. Even their XX/XX/XXXX statement listed {$1600.00} three times, 1 as payment ( or refund ) and two as payments ( out {$1600.00} ) which is incorrect. It is my belief that Freedom purposely does not list real time information on-line because of deceptive practices. Please assist with correction of my escrow balance.
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

The first notice of the fraudulent debt was through a collection action on my credit report. I have received no other notices of this debt, which is fraudulent debt. The collection agency MRS BPO filed the collection action with the credit bureaus, but the debt originated with XXXX XXXX XXXX. I havent done business with XXXX XXXX XXXX for over 10 years. I have received nothing from XXXX XXXX XXXX or MRS BPO notifying me of this account or debt prior to it appearing on my credit report. How is this possible that a derogatory comment can be added to my report without some evidence that an attempt to collect the debt from my valid mailing address, email address or phone number has been made? This isnt consumer protection. As stated, I have not received any notice in any form about this debt nor did I enter into any business agreement with XXXX XXXX XXXX. About the time this fraudulent debt was incurred, XX/XX/2023, an erroneous new address was added to my XXXX credit report. I immediately notified them that the address was not valid now or at any time.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (MO)

I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NV)

A dispute was filed on behalf of my company XXXX XXXX XXXX. A letter came back in my favor XXXX XXXX saying the credit was permanent. In regards to the dispute the fees that were associated with every one of those charges were not reversed in turn using my money to cover the associated fees for all 34 of the charges associated that were reversed. Chase bank has not been pro active in fixing the situation in a timely order and I have been treated unfairly causing financial difficulty. As well confusion with business associates.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This serves as my formal complaint to BANK OF AMERICA. I am writing you and your company with a goodwill request. I have kept a good paying history with you. I noticed a late payment on my credit report which is a result of a payment misunderstanding. I typically have my account on automatic payment but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment dated XXXX, XXXX  since it has been settled.
Consumer complaint received 2024-01-24
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: American Collection Systems, Inc. (WY)

On XXXX XXXX, XXXX I was served garnishment papers from the American Collection System, INC. In the amount of {$23000.00}. The total judgment is {$11000.00} and the post judgment interest is {$12000.00}. On XX/XX/XXXX my employee check was garnished in the amount of {$590.00}. This debt is 12 years old and has been off my credit report since XXXX. In XXXX I made arangemnts to pay {$50.00} a month since I did not have much money than since I was going through courts for custody. The manager at ACSI said once I made consistant payments for a few months that she would stop the interest payments. A few months go by and I call to talk to the manager and asked if she would stop the payments. She said she could not do that and never told me that she would in the first place. I have talked to many people that she has said the same thing to them. While making the payments the payments went twords that smaller bills, while the larger bill got hit the hardest with interest. Ususally when applying interest it is on the balance and not on every item. So making the monthly payments did not even make a dent on my debt. When I started this the amount was around {$21000.00} in XXXX. 


Before garnishment i called ACSI to see if I could make payment arrangements the manager said she could not make any kind of arrangements until 90 days. On XX/XX/XXXX the manager called me to see if I wanted to make some type of arrangement. She said the garnishment was a one time garnishement. I do have a court date on XX/XX/XXXX. XXXX. 
Prior years I have tried to offer {$10000.00}. to settle this case many years ago and they will not work out anything unless its more than 75 % I feel like this company is taking advantage since I am a single mother. I also feel like my due process right have been violated.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NM)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (MN)

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) sent a salesman to my house in 2020. I signed up for XXXX XXXXs during the pandemic on a deeply discounted rate. I wasn't happy with the services and tried to cancel the services multiple times. They claimed to have a 12 month cancellation clause ; however, this was never explained at point of sale and the company never provided the contract that specified this term ( and I requested it multiple times ). Not only did they use deceptive sales practices but after more than XXXX year of me trying to cancel their services ( I was told multiple times that I was paying the final bill ) they sent my account to collections. To my knowledge no XXXX XXXX  have been performed on my property in the past year. I have also asked multiple times for them to put in writing that this bill I am paying is the final bill, they have not accomadated this request. I would caution any consumer from using their services as their business model combines predatory sales practices with an inability to cancel services.