davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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. (CA)

Hello CFPB, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1682 : XXXXXXXX XXXX XXXX XXXX  XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXXXXXX XXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # ending in XXXX and account # XXXX has violated my Rights. 

XXXX Account # ending in XXXX and Account # XXXX has violated my Rights. 

XXXX XXXX XXXX Account # Ending in XXXX and account # XXXX has violated my Rights. 

XXXX XXXX XXXX XXXX Account # 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 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 USC 6802 I DID NOT receive the required opt-out notice at the time I created the account that is being reported.

Thankyou for your attention to this matter!
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Hello, recently I saw late payments on my credit report from XXXX XXXX XXXX XXXX XXXXXXXX and XXXX that I do not recognize. I also been studying laws that protect me as a consumer and according to the FCRA, transactions such as payments are not supposed to reflect on a consumer credit report anyway. So I have the right to dispute this info and have it updated as soon as possible. I know that this is just a billing error and I just would like for it be corrected and updated to paid as agreed.
Consumer complaint received 2024-07-11
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: SOFI TECHNOLOGIES, INC. (NY)

According to the IRS an unpaid charge off Is Income and according to the FCRA Income can not be reported on a credit report. I'm requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed below. SOFI XXXX CORP LLC, SOFIBANK, SOFIBANK N.A. Acct # XXXX and XXXX ( this is the same account with 2 different account numbers )
Consumer complaint received 2023-12-14
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: EQUIFAX, INC. (FL)

I have disputed these account for the last three months. Literally nothing has been updated. I have attached a XXXX bureau credit report table showing all of the errors in my credit report. These accounts are filled with errors and need to be deleted immediately.
Consumer complaint received 2024-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

My mortgage was transferred to SPS a while back, after 15+ years with XXXX XXXX XXXX XXXX We received communication the end of last year, that in XXXX our payment would go up {$420.00} starting in XXXX. It went up over {$600.00}. I have sent many, many requests to their Ombudsman to receive a copy of the correspondence they sent out showing that my payment would go up {$600.00}, however they have not been able to provide that to me. They did have one person call me that was very rude and condescending, schooling me in mortgage loans and escrow ( I have been paying mortgage loans for 40+ years, I already know how they work ), She just continued to talk over me and be very rude. I asked her where I got in writing that it would go up over {$600.00}. She could not tell me and I told her I would send the correspondence I got, I even highlighted where it said {$420.00} and I have not gotten a response back. With my correspondence, I let them know that I can not take phone calls, I work a very hectic job of 50+ hours a week and can not take calls. Oh by the way, my job is working with loans, so I do know how they work. They have tried calling me twice, despite my telling them multiple times I can not take calls, and then I get an email after each call stating " they have been trying to reach me ''. That is so bogus, it is not even funny. All I am asking for is a copy of what they sent to me, letting me know that my payment would go up $ XXXX, and to show me why the difference from what I got in XXXX, and provided I agree, I will let this go. In the meantime I get two phone calls from them that I have told them I can not take. I would love to have resolution to this issue, but can't seem to get there. Please help.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (TX)

I am writing to complaint to NATIONSTAR/MR COOPER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-02-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IL)

I was forced out of the shared home by second lease occupant and threatened to have the police called on me unjustifiably and without cause, so I moved out in an emergency. I notified the landlord of my issues and I was given the okay to move. I filed for homelessness and I have been living in a shelter since XXXX of XXXX. I only owe two months of rent to the landlord, but the Property Company continued to charge me for the rent and I was not occupying the premises. I offered the landlord a repayment option of {$500.00} a month for 8 months, but it was rejected and I was told that I would be given an eviction on my record. This was a threat to my financial security. I was also verbally threatened with XXXX XXXX. I was not in a favorable situation and I do not owe the amount that has been placed on my consumer credit report. I definitely have not authorized the release of my private information to a third party and I would like to know how HUNTER WARFIELD INC. obtained my private information without my consent.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (AL)

I was trying to buy a house and I realized that I had damages on my credit report, according to the 15 U.S.C 1681 ( b ) ( c ) law, there should not be any damages on my report. Its a defamation to my character. In accordance to with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

I noticed this on my account from XXXX and called XXXX. I spoke with XXXX XXXX XXXX and XXXX XXXX from who is the Consumer Relations Manager at XXXX. 

I've requested the original signed contract from the original creditor, and they are threatening me with suing me.
Consumer complaint received 2023-09-04
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. (GA)

I XXXX XXXX have some unauthorized inquiries appearing on my credit report. I have attached a FTC report and supporting documents. 

I did not authorize these inquiries. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

In XXXX, I had a XXXX  XXXX Credit Card in XXXX XXXX. There were charges on the credit card I did not make, and I reported to XXXX XXXX. Also, I was a victim of the XXXX. XXXX Data Breach. I filed a claim with XXXX Data Breach [ their claim info ] between XX/XX/XXXX, and XX/XX/XXXX. 
Sometime in XXXX, Jefferson Capital System reported a {$1400.00} debt to my Credit Bureau. I attempted at least twice to dispute these charges. 
On XX/XX/XXXX, Jefferson Capital System was granted a Default Judgement against me in the Justice Court, Precinct XXXX Place XXXX, XXXX XXXX, Texas, for {$1400.00}. and they have proceeded to increase these charges to {$1600.00}, as noted on my credit report. 
I will continue to dispute these fraudulent charges against me, and I have contacted XXXX 's Restorations Services for assistance today, XXXX XX/XX/XXXX. 
I ask for your assistance in the matter as well. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (WI)

Discover has been calling my husband AND my daughter about my account. They have told them of the debt and the amount. I am the primary cardholder. I never gave them my husband or my daughter 's information ... as far as I knew, NO ONE else is included with this card account, but they are calling my husband AND daughter multiple times a day!
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Advance America, Cash Advance Centers, Inc. (TX)

To whom it may concern, I am inquiring about my account with the name of XXXX XXXX XXXX. The account number is unknown. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2018 ( 6 years ago ). It appears this debt was re-aged, and needs to be deleted immediately. My rights dictate my ability to obtain this information.
Consumer complaint received 2024-03-13
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (MN)

Please Help. I can not believe Direct Express is doing this to me again. I have been trying all month long ( XX/XX/year> ) to get into my account but I keep getting the same message which says - Unable to Verify Account Please call XXXX. So I have been calling and I have yet to speak to anyone. There is unauthorized charges of over {$500.00} and I can not get a hold of anyone to let them know. I followed the automated steps to report my card stolen but nothing has happened. I am unable to report my card stolen and someone is using it. All of my money is gone. I do not know how Direct Express is able to do this to people especially people who are the most vulnerable - the elderly and the disabled - I am disabled and I feel powerless, defeated, and I just want to give up because I am so discouraged and helpless to this problem. It is not fair that this happens and keeps happening to not only me but so many others. I have nothing and Direct Express lets hackers and thief 's steal the little bit I have. My bills go unpaid, my fridge is empty, I can not afford to pick up my meds, I am unable to provide for my children. Why can they not pick up the phone. How can they let this happen. I have done nothing wrong expect trust in a bank that was chosen by the federal government to disburse my disability money, that I earned by working the last 20 years of my life. I demand my money be reimbursed and a new debit card be issued. Direct Express Needs to start caring about the people instead of lining the pockets with mhy money.
Consumer complaint received 2024-05-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (FL)

Hello my loan was for XXXX unfortunately due to my car accident the car was a complete lost but your company has written off XXXX of this debt irs says a charge off changes debt into gross ordinary income and income dosnt get reported can you please send me my 1099-c so I can file
Consumer complaint received 2024-05-07
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Maximus Federal Services, Inc. (CA)

XXXX XXXX XXXX XXXX used high pressure sales to encourage myself, a young XXXX, to take out maximum loan amounts. The recruiter, before I was a XXXX, had me print my mom 's name on the first XXXX  contract, tying us into a financial contract with them. They guaranteed job placement and that the XXXX  was accredited. Non of which are true. The XXXX  was fraudulent in many ways, not just with the high pressure sales and lack of accreditation. They have since been closed down. I was a XXXX  there from XXXX to XXXX. I have been paying on these private loans and still owe more than my original loan amounts. 

The original private loans were with XXXX XXXX, Navient bought them, and now Aidvantage owns them.
Consumer complaint received 2023-02-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANCO POPULAR DE PUERTO RICO (CA)

Popular Directs contact # XXXX. 
Opened a CD with PD on XX/XX/23 and did not receive a confirmation email or account #. I have been a victim of several hacked banks, etc : XXXX, XXXX, medical, etc, so I did not want to give the phone rep my full social and, of course without the social and no confirmation #, they would not help me. Spoke with a number of reps, XXXX, XXXX, XXXX and supervisor, XXXX. I was told to send a copy of my ID and a copy of a utility bill to them, which I did and received a confirmation email on XX/XX/23 for the documents I emailed to them. I called today, XX/XX/23 to get my account # and XXXX would not help me without my SS # or the non-existent account #. Personally, I have not come across any banks that ask for the full SS #., so that seems odd. 
The money, {$49000.00} was taken from my account, XXXX on XX/XX/23. If they do not provide me with an account #, how can I remove my money at the maturity date? I feel they have stolen my money, since they refuse to give me an account #. The bank does not have a stationary address and is an online bank, only.
Consumer complaint received 2024-03-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CA)

Hunter Warfield Inc, {$10000.00} XXXX XXXX opened XXXX XXXX Reported I have requested information from creditor with signed affidavit due to identity theft and no known knowledge of account. This has caused much damage to credit report and needs to be deleted from all credit bureaus immediately. 

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer ; or modify that the item of information as appropriate, based based on results of the reinvestigation ; and promptly notify the furniture of the information information that the information has been modified or deleted from the file of the consumer. 

And according to this law, they are supposed to provide me a description of the investigation, according to 15 USC 1681i ( 7 ) description of reinvestigation procedure paragraph ( XXXX ) ( B ) ( iii ) but not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. 

And according to 15, USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows and has reasonable cause to believe that that information is incorrect or inaccurate. 

This account has been obtained due to fraudulent identity theft
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Equifax and XXXX have violated my right to privacy and I'm a victim of identity theft pursuant to USC 1028A. I NEVER AUTHORIZED these companies to report any negative accounts on my credit report..
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

I called Comenity Bank to close my BJ 's Club credit card in early XX/XX/2022. Comenity has not notified the credit bureau agencies that this account is closed. I followed up with Comenity Bank customer service in XX/XX/2022 and they said that the account was closed and that it would be late XXXX / early XXXX when it would show up on the credit reports and they would send me a letter confirming the account was closed. I called Comenity Bank customer service again in late XXXX because there was no change in my credit report and I did not receive the promised letter from the XXXX call. I was informed again that the account was closed and that I should see an update to my credit report in XXXX or early XXXX. They told again they would send me a letter confirming the account was closed. Once again, nothing has changed since the late XXXX call and no confirmation letter.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Knight Adjustment Bureau (UT)

I had a collection with Knight Adjustment bureau that I paid off. This is still reporting on my credit report despite the fact the person on the phone told me it would be removed after I paid. It has been a very long time and I have yet to see it removed.
Consumer complaint received 2018-11-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Financial Credit Service, Inc. (AL)

Received a call at XXXX XXXX today from a no caller id advising me I was being contacted about a fraud investigation and asked me to call XXXX at XXXX to clear my name. Upon my call and after multiple transfers I was sent to XXXX XXXX whom introduced himself as the general manager. I was informed of an old payday loan that was taken out XX/XX/2016 that was sent to collections due to being return from my bank and I was facing theft by deception along with many other criminal charges and would be arrested under Alabama title 12 if I didn't pay the check amount of {$580.00} plus attorney fees bringing the total due to {$3900.00}. I explained to Mr. XXXX I was unaware of the check he was referring to, not denying but needed further clarification or information prior to any commitment I was willing to make beings I have not received any collection notices from anyone regarding this debt. I was informed by Mr. XXXX that this was not a collection agency but a3rd party criminal investigation company trying to verify my address to issue warrants. However since Mr. XXXX became hostile with his threats of jail time and his non compliance with providing me with information on said debt and Mr. XXXX denying my request to be transferred to someone higher than him, I hung up on him after a XXXX  min XXXX  second conversation. Something needs to be done with this company, Debt collection is a civil matter & it is against the law for debtors to threaten criminal action for non payment of a debt under Fair Debt Collection Practices Act