davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP (MA)

I need to renew my registration and My XXXX profile showed I have an outstanding balance with the XXXX MA, when I called them they let me know it was a collection that I never knew anything about it before. They provide me the number of the company and the account case. I called them and the agent told me to confirm my address and I asked her to tell me the address they have before to give them mine she told me they have in file XXXX XXXX XXXX, XXXX MA. I am not familiar with this address and I told her that is why I never get any notification. After this I end up giving her my right address. Then I called back to ask them if they will give me a discount to pay and solve the matter as soon as possible and they told me no and said they notified me on time to my address XXXXXXXX XXXX XXXX XXXX. I told them it wasn't true becuase and hour ago other agent told me they did not have my right address. I request them the proofs that they sent that many letters to the XXXX XXXX but they didn't like to provide them because they sent the letters to the wrong address. 
They were so rude and treat me so bad and told me that my only option to solve was to pay. I had to pay because I need to complete my registration process, but it is not fair that they don't notified me right, they don't offer me any possibility to pay or discount and then they told me I have to wait XXXX business day to solve the issue and take the report from the system in order for me to complete my registration. 
I did not have time to check if this is my debt or ask for reduction because never get notify
Consumer complaint received 2023-05-21
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. (GA)

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX 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.

15 U.S.C 166b A Creditor May not treat a payment in account under an open-end consumer credit plan as late for any reason. 
Since XX/XX/2016 this account has been paid off, and until now, late payments reported on this account restricted me to get approval for credit, and this is illegal to maintain this account on my credit report.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC (CA)

I am making a complaint about LOANME INC. The reason I am making this complaint is because I found out that LOANME INC is furnishing inaccurate information on my credit report. On XX/XX/year> I sent them a letter about this matter. I do not have any record of a response from LOANME INC. If LOANME INC has sent me a response I sincerely apologize for this statement. I did not dispute whether or not this was my account or if it belonged to me. I disputed the fact that reporting as a charge off is inaccurate. According to the IRS charge offs are considered income. Income doesn't get furnished into my consumer report, according to XXXX. Reporting as a charge off is inaccurate at the very least they must report as paid for less, or they must delete this account XXXX 
15 U.S. Code 1681s ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
These are the responsibilities of a data furnisher.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Updated Identity theft report and required and requested information requested by Experian and XXXX. 

Experian and XXXX continues to violate my rights and are Making me jum through hurdles to get these fraudulent collections and inquiries off of my credit files. 

This is the last warning to follow the laws and stop violating my rights i have provided all documentation needed and I demand that you stop violating my rights immediately and remove these fraudulent entries from your credit files. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

My account was overdrawn for a month I have called them to ask why? But it was not solved. I didnt understand why my checking account was closed due to overdraft which I had no knowledge of. My checking account was overdrawn for {$74.00} which it should have not been. And then closed by the company Im very much not pleased with the actions that has been taken. I have called many times because charges was made on my account without any knowledge of me doing it!! Thank you
Consumer complaint received 2023-11-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I have been a customer with chase bank for over 20 years and more you bank with them their customer is getting worst and worst under the leadership XXXX XXXX and so-called XXXX  customer care team. XXXX customer care service is lousy and XXXX of the worst experiences ever. 
Chase bank doesnt let customers dispute charges made on XXXX XXXX  credit cards. Once you log on to the online banking there is an option called dispute a charge. Once you try to dispute a charge, they asked you to call customer care number. Once you call the customer care, they will send you a text to the phone to dispute charges. Once you click on the link and try to dispute the charge, they will ask you to call customer service number. It is a ping pong game and no body from customer service team dont pick up the phone to make it extremely harder to dispute a charge. 
I rented the car from budget and the sales pressure was high to purchase a XXXX XXXX XXXX  and I told the rep at the counter that I am staying close to XXXX and asked how many XXXX XXXX  that I had to go through in order to get to my hotel and the answer was many and I ended up buying the XXXX  XXXX  for 7 days and on the way to the hotel I realize there are no XXXX  XXXX  on the way. I called the budget customer support following day to cancel XXXX XXXX purchase since there are 7 days left and to my dismay, they told me that I must return the car to cancel the XXXX XXXX XXXX  purchase. Not sure why you need to return the car since there is an alternative option to pay only if I go through a tXXXX XXXX and under the heavy traffic in XXXX, I didnt want to go to the XXXX to return the car to waste my precious time. 
Rep at the counter was not honest with me and they didnt cancel the purchase following day asking me to return the car.
Consumer complaint received 2023-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I believe the account is invalid. XXXX XXXX  XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (CA)

Fay Servicing , LLC and their assignee 's XXXX XXXX XXXX XXXX ( trustee on loan XXXX ). Forced me into Bankruptcy on XXXX XXXX XXXX due to multiple loan modifications ( denials ). While in XXXX Bankruptcy proceedings, Fay Servicing and their assignee 's, instruct their Law Firm ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to postpone numerous Trustee Sale dates. 

While in XXXX, Fay Servicing and their assignee 's have posted {$17000.00} dollars of mortgage payments. The mortgage loan will soon be paid in full. 

We are constant harassed, continuous mailed letters to sell home. 

We believe, Fay Servicing , LLC and their assignee 's are in Violation of Federal Laws.
Consumer complaint received 2023-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BDF Partners, PC (CA)

Forced, into Bankruptcy XXXX XXXX due to the multiple loan modification denials from loan servicer, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( trustee for XXXX ). Their assignee 's ; Barrett Daffin Frappier Treder & Weiss, LLP ( aka BDFlawgroup ) continue to market, postpone the Trustee Sale of our home, during the proceedings of XXXX Bankruptcy / case no. XXXX filed XX/XX/2023. XXXX XXXX has posted over {$17000.00} of mortgage payments while in XXXX. Soon they will be paid in full. 

BDFlawgroup, marketing our subject home for an Trustee Sale ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX, Numerous, harassments, letters to sell our home continuously while in XXXX. 

We believe, BDFlawgroup and their assignee 's are in VIOLATION OF FEDERAL LAWS.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report!
Consumer complaint received 2024-04-07
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. (CA)

In XXXX XXXX I sent letters indicating all updated personal information after name change. With all appropriate documentation. 

No response or reflection ever appeared on my reports. Fast forward to today, XXXX  months after my bankruptcy has been discharge my credit score dropped XXXX points to pre-discharge range ; after it had been slowing increasing for over XXXX months. 

I have no open accounts, no new credit, no payments to miss or be late. But I did in the last month secure a co-signer which would have enabled me to get out of being homeless and now I have been returned to a pre-discharge state. 

These action happen to more than just me, in a plethora of varieties and these agencies lord over the futures of hardworking individuals and dictate the livelihood of millions of consumers and citizens with no recourse or responsibility for their actions. 

XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

The account in question violates my rights as a consumer and pursuant to the legal authority 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ) as the consumer reporting agency, you have failed to uphold your legal responsibilities. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, this account reports alleged late payments that have not been verified or proven per to the legal authority 15 U.S.C. 1666 ( a ) and ( b ). As a result, and pursuant to the legal authority 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) the consumer reporting agency shall promptly delete an item found to be inaccurate, incomplete or can not be verified. The reporting of negative transactions pertaining to this account violates 16 CFR 313.4 313.9 without my permission and portrays me in a false light without proof of claim. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (MO)

On XX/XX/2023, Dovenmuehle Mortgage Inc. sent me a letter identifying I was owed {$540.00} in unclaimed property and noting that I had until XX/XX/2023 to claim those funds. The letter noted that in order to claim those funds I must sign and return the letter via standard mail, fax, or email. On XX/XX/2023 I emailed a signed copy of the letter and called Dovenmuehle and was assured I would be receiving a check within ten business days. On XX/XX/2023 I called Dovenmuehle again to inquire about the status of my property and was assured it would be expedited. On XX/XX/2023 I called Dovenmuehle again and they informed me they had not received the signed letter via email. I sent another copy and the agent on the phone acknowledged the receipt of the email and sent me a letter confirming I had met the due date to claim my property. On XX/XX/2023 I called Dovenmuehle to inquire regarding my property and was told that they had sent the money to Missouri 's unclaimed property. 

Dovenmuehle claims the funds were sent to Missouri 's unclaimed property department and they have no records of this money so I am unable to get my money back.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (SC)

I purchased a car from Hyundai on XX/XX/XXXX. I paid monthly for it until XX/XX/XXXX when I paid a final payment of {$9100.00} paying off the vehicle in-full ( form attached for proof of payment and receipt of payment by HMF ). At that time, I went on their website ( per their policy ) and requested the title be sent to me. It has yet to be received. 1. Their website says it will take 5 days to process this. It is been over 50. 2. I have called multiple times ( see below ) I have since traded-in the vehicle and purchased a new one, but cant move forward because HMF will not release the title, or call me back. Its been paid in full for over 7 weeks. This is an unacceptable delay. I want the title overnighted to me immediately and I also need a notarized Lien Release form for the DMV. ( HMF is still listing the lien on the DMV website ). This is NOT ethical and not good business practices. 

1st call : XXXX/XXXX/XXXX request title be sent to me, referred to website 2nd call : XX/XX/XXXX no title yet " Its approved and in the works, give it 2 more weeks to get to you 3rd call : XX/XX/XXXX XXXX minute phone call at XXXX, again said there was no problem and it was in the works because of the holiday it got delayed '' 4th call : XX/XX/XXXX @ XXXX 28 minute phone call where I spoke with a supervisor, they said the form was denied and they will not accept another request. Stated she " messaged '' them but they didnt answer, she will escalate it to another supervisor and I would hear back that day. ( No return call ). She stated it shouldnt take this long and should have been released, but its been denied for some reason. 
5th call XX/XX/XXXX XXXX No answer, they are closed on weekends, call back during normal business hours. 
6th call XX/XX/XXXX XXXX call total 31 minutes. 26 of which was on-hold. Said nothing to update, she will send an email, requested to speak to a supervisor. Placed on hold and the call disconnected after about 10 more minutes 7th call XX/XX/XXXX XXXX on hold 14 min, XXXX said he had to transfer me to Titles. On hold until 28 minute mark, XXXX picked up, theres no update, she will check with the Back Office Team. She returned to ask if this was related to a name change. My name change was XX/XX/XXXX, so no. Placed back on hold for 1 hour 2 minutes total and call disconnected. 

XX/XX/XXXX Filed complaint with XXXX XX/XX/XXXX Filed complaint with CFPB and email sent to XXXXXXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GFS II, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These should not be showing on my credit at all and I assert I have shown and provided proof I was a victim of the XXXX XXXX XXXX breach Im reporting to CAPB to have them removed immediately as I do not recognize
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

The FCRA is pretty clear in its language when it states that consumer reports can only be released with the written consent of the consumer and that consumers have the right to privacy. The FCRA also states that a consumer has the right to have privacy and that inaccurate information and unauthorized credit checks harm consumers. There is no room for misinterpretation of the FCRA, yet Experian decides to blatantly disregard the law because they clearly believe consumers are stupid and will not enforce their rights. Upon receiving my XX/XX/XXXX Experian report # XXXX in the mail, I am still seeing various inaccurate accounts that I asked Experian to validate via Sections 609 and 611 of the FCRA . At the end of the report on page 13, I was further shocked and harmed to see a plethora of unauthorized " soft inquiries ''. Page 13 is attached as a JPG. 

Furthermore, a security freeze was placed on my consumer file on or about XX/XX/XXXX as I was impacted by identity theft. However some of these unauthorized checks occurred after the security freeze. 

I am requesting the copies of the written consents Experian should have received from me or from the companies for the following inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

I called to close my account. The representative said she would send me a no annual fee credit card. The language made me suspicious because she didnt ask- just said she would send it. I refused this new card. I wanted to close my account. She sent me the card anyway. Due to her tone and choice of words, I suspect this happens often. It is fraudulent