davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I don't recall having a contractual relationship with this collection company Portfolio Recovery Associates , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-05-03
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: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Balance {$270000.00}
Consumer complaint received 2024-04-27
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. (TX)

I DO NOT consent to any automated scan response or XXXX  XXXX verification methods. 

I reached out to all three credit bureaus Transunion, XXXX, and XXXX to dispute incorrect reports provided by XXXX XXXX XXXX. XXXX XXXX showed several discrepancies between the XXXX reporting agencies : Transunion and XXXX continue to report different balances than XXXX. Has missing, incomplete and inaccurate data reported for several months. All Burueas continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities. 

I requested the following information from you : The amount you claim owed. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. Evidence that you are a licensed debt collector. An invoice of the products/services ordered. Dates of products/services being rendered. The address the products/services were rendered to. My signature showing that these products/services were authorized by me My signature showing some kind of authorized payment schedule I was not provided this information as requested, and per law.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. XXXX and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as XXXX and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to XXXX, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet XXXX and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which XXXX and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Consumer complaint received 2024-04-27
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: EQUIFAX, INC. (FL)

Today I noticed after paying XXXX  of dollars off on my credit cards and paying down my collection, my score dropped tremendously. I believe that this an attempt to avoid increasing my score to its full potential to only increase when the other updates on payments also reflect on my report. This makes no sense. Only the usage and payment history was affected. I made it obvious over the past few months through disputes, I am trying to purchase a home soon.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (FL)

During a flight on Frontier there was a promotional offer of 0 % interest for the first 15 months of opening the account. Plus additional XXXX bonus miles. I have excellent credit and fly often so I thought it was not a bad idea to get the cars for these promotions. I got the card in XX/XX/2023. The first problem was I was not receiving statements and I had wondered about how to go about getting the bonus miles. I called into the number on the back of the card which also is hard to navigate through their auto reply system which hung up on me many times. After getting through a rep explained to me that in order to get the bonus miles I needed to pay an annual fee which I did pay her that day and I asked if everything was okay on the account otherwise and that I was getting a 0 % promotional interest rate for the next 15 months but now it would be about 13 since the card was opened a few months prior. She said yes you do have the 0 % promotion on the card and everything was good to go bc I was on auto payment. I also requested to have my statements mailed because I can not see my charges and she said she would set that up. Months later I called in because I still was not receiving statements and could not see what I was being charged. The rep which I was on the phone with for about 2 hours in XXXX told me that I was actually being charged am insane amount of interest which was over 20 % for months now and it was around {$1200.00} in total so we went back and forth about it and he said he needed to have time to review my phone calls with the previous reps in order to refund the interest being charged to be but that he would call me back on XXXX XXXX between the hours of XXXX XXXX XXXX and we would go over the details but that in the meantime he could stop the interest being charged if I could pay the card off. I paid him the {$12000.00} that day on the spot and he talked me out of closing the card because he was going to help me with getting the interest credited back to me after he listened to the previous calls so I gave him the chance to fix this. I believe his name was XXXX. I never got a call back from him but he did turn my mail statements on so that I could see they once again charged {$290.00} after I just paid all that money to pay the card off and he told me he was going to make sure my account was corrected. So now I am still getting the run around at getting this card straightened out and getting the interest back when all along I was being told it was 0 % for 15 months. Please help me get to the bottom of this. They are probably taking advantage of other consumers also. It also is very sneaky to set up a person on auto pay and to not send them statements for them to review. My amount of interest so far in XX/XX/2023 is {$1200.00} which is supposed to be {$0.00} for the first 15 months. Not to mention all the hours I have lost due to being on the phone with them to fix this and get the run around.
Consumer complaint received 2024-02-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION (GA)

I contacted CFPB then I believe the representative hung up or I got disconnected on XX/XX/XXXX. I then called M & T mortgage trying to determine why is my mortgage being transferred to XXXX XXXX. I asked what was the reason for it being transferred and they simply said it is a common practice. I am trying to determine why my mortgage was transferred from M & T to XXXX XXXX. This company is under a second lawsuit because hackers stole client information as you can see below due to careless security. This is my XXXX time being transferred for my mortgage. I am not in bad standing and always paid my mortgage on time. Again my question is why is my mortgage being transferred to this company and it appears they are not good in protecting my information. I would like to remain with M & T. 

What is the lawsuit against XXXX XXXX? 
XXXX XXXX hit with second lawsuit over massive mortgage loan Mortgage loan giant XXXX XXXX is facing a second class-action lawsuit after hackers stole the personal information of XXXX XXXX customers in late XXXX. The latest lawsuit, filed XXXX XXXX in federal court in XXXX, accused the XXXX company of being careless with its security of customer information.XXXX XXXX XXXXXXXX
Consumer complaint received 2018-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Called Nationstar mortgage back in XX/XX/XXXX to do a payment plan due to financial situation I was told as long I am on a plan paid on time no problem..Hurricane Irma hit so I called to check on my status the young lady that took my payment charge me a process fee which made my acct negative reversed my payment in XX/XX/XXXX which messed me up. When I called now NSM now Mr. Cooper the customer service rep called my bank which did confirmed I had the exact amount but unfortunately I did not have the additional service fee that was charged that is why I was charged a NSF fee which declined my payment. Mr. Cooper representative stated I was not supposed to be charged the amount the bank due to their error they reversed the amount and took the payment right than there. Since the hurricane they were offering assistance I was told I am eligible since I live in Florida how much can I pay I told her {$500.00} she said we can do it for 6 mo I said up to XX/XX/XXXX would be fine. I called to make my XX/XX/XXXX payment the rep stated you owe XXXX I was astonished I was not told he indicated that the investor can not put any payment behind the loan. I told him you did not say that when I made the payments before well maam I am sorry to informed you that is what the investors are needed at the moment. When you offer a payment plan or some sort this information should have been told to me in the beginning stating that ok you will have to do a lump sum I lost three vehicles during the storm from flooding that is not fair that you are trying to charge this should of been disclosed. He indicated this was a trial policy was not put into place I need this resolved and I was told oh by the way since you did not make payment on time in XX/XX/XXXX you was not eligible for modification program excuse me that was due to your error. I need answers please somethings need to be done.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-04
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: Creditors Bureau Associates (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purXXXXpose.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Consistency in paying on time is my motto. I'm firm about it. Yet, I'm bewildered by the occasional tardiness in the company 's reporting, which shouldn't be the case. USC 1666b mandates that any billing errors must be rectified promptly and reflected correctly in the payment records.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

See the attached document ( s ) /letter.

16 CFR 313. Privacy of Consumer Financial Information ; 16 CFR 313.1 Purpose and Scope ; 16 CFR 313.7 Forms of Opt-Out Notice to Consumers ; Opt-out methods; 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

16 CFR 433.3 Exemption of sellers taking or receiving open-end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).

16 CFR 444.2 Unfair credit practices.

Privacy Act of 1974.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant XXXX, even XXXX my ability to XXXX. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

I applied for my own credit and was denied through WellsFargo Bank. 
Application ID # XXXX My rights have been violated and I'm exercising as per the equal credit opportunity act. I extended my application of securities and received no valuable exchange. 
I demand for my application to be approved or for my application to be returned. 
Deniel of this request will result in securities fraud. 
Regardless of the reason you have denied me my own credit this falls under discrimination and I have been injured. 
Being denied my own credit has brought me humiliation and heartache. 
I also never singed or agreed to any written consent to my private information to be sold or extended to a third party such as a credit reporting agency. do to this fraudulent activity my credit has dropped and ive been injured in many way for this.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have reviewed my consumer reports and notice that I had XXXX late payments on the account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in the screenshot inside the complaint in on the dates ( XX/XX/20 ) and ( XX/XX/20 ) ( XX/XX/20 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be, due to the fact I was never late. Thanks. Please see screenshot attached :
Consumer complaint received 2024-02-07
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

From XXXX when XXXX transferred my mortgage to Select Portfolio Servicing to the end of XXXX, Ive received notices of escrow shortages. Ive paid these shortages to maintain a monthly payment I could afford. As a senior, I receive all the exemptions Im entitled to receive. My property taxes have been pretty consistent. Ive changed homeowner policies when the premium has increased. I dont understand why Ive spent over {$3700.00} since XXXX due to escrow shortages. I did receive an escrow refund check for {$95.00} in XXXX, XXXX. My primary question is why does the escrow balance needed vary so widely and when I pay the shortages, my monthly payments still increase. In XXXX, my homeowners insurance increased to {$2900.00} which SPS paid XXXX XXXX. In XX/XX/XXXX I switched homeowners coverage at a cost of {$2200.00} which SPS paid in XX/XX/XXXX. I received a refund of {$1300.00} from the old company for XXXX months of coverage not used, phone SPS to find out the difference from their paying both policies and {$1000.00} was the amount. This double payment increased my payment which still has my payment higher than it was. Im confused about their practices.