davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

There are unauthorized accounts on my credit profile. They have to be removed as soon as possible. I am human there is no XXXX party involved. I have reported to XXXX, FTC, and Texas Attorney General. I have documents attached provided.
Consumer complaint received 2023-12-13
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. (NC)

On XX/XX/2023, Experian notified me that my XXXX account report a change to positive payment history. On XX/XX/2023, I asked why my report had not changed. I was told it would take 30 to 45 days. Today, XX/XX/2023, I noticed that the balance was updated but the account status still says late payment. I also tried to dispute it and was prevented from doing so. So, I am submitting this complaint to make sure my report is updates as this is negatively affecting my credit.
Consumer complaint received 2023-12-13
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)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2023-12-13
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)

A debt collector called XXXX XXXX XXXX XXXX XXXX sent an account to the CRAs. I disputed with all XXXX as I do not owe this debt. I requested this debt be verified and they failed to properly do so then sent it to the CRAs. The debt collector has also broken the FDCPA a dozen times in XXXX emails. The amount they are reporting has fees added on not in the " original agreement ''. They're also charging illegal interest. The " original agreement '' was a fraudulent agreement and the original creditor engaged in fraud, wire fraud, breach of contract, deceptive business practices, etc. This should not be on my credit reports, however Equifax refused to do a real investigation instead allowing to companies collaborating an engaging in fraud to issue whatever statement they like and taking their word for it. Equifax gave me less room then a tweet to dispute this account.
Consumer complaint received 2023-10-19
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. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

Hi, I am writing to request a review of a delinquency on my credit report that occurred in XX/XX/2020 at the beginning of the XXXX XXXX Pandemic. The XXXX XXXX I worked at was negatively impacted by XXXX. As a result, our office closed, then reopened with reduced hours. I was unable to make my student loan payment on time that month because my income was greatly reduced. All my other payments were on time and in good standing. I am requesting MOHELA/DEPT OF ED to remove the delinquency from my credit report. My husband, who is an XXXX XXXX service member in the XXXX, and I are in the process of buying our first home. The delinquency is preventing us from securing a residential mortgage loan. Given that many loans were eligible for deferral, please consider my request as my delinquency occurred before the XXXX related deferral programs were in place but at the onset of the pandemic.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

American Express is committing security fraud against me the aggrieved party the secured party and I have proof in their own words on their SEC filings in their 8-k form, 10-k form, and their Indenture Trustee agreement they have with The XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. How American Express turned both my credit applications into securities and are trading them on the secondary market without my consent.
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (PA)

I got three collection letters from the XXXX of XXXX for XXXX homes for school taxes. I spoke to Shelll Point servicing company about this over the last six weeks. Ive been on the phone with 4 different reps. No one seems to have an answer and I keep getting emails from them that none of my taxes are due. As of this morning, I spoke to the actual treasurer of XXXX, and the taxes are not paid and will be sent to XXXX XXXX  law services XX/XX/. I now will have to pay them myself as I dont want any issues. Shellpoint doesnt even have a tax department you can speak to. They are jeopardizing my credibility and hard work that it took to get to this point in my life. No one gets back to me about the issue its very frustrating. 

XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX Pa XXXX All school taxes are delinquent and going to collections
Consumer complaint received 2023-12-13
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: Atlanticus Services Corporation (FL)

There are 2 hard credit hits on my credit report that I did not do. I want them to remove the hard hits to my credit. One of the company is Aspire and the other is XXXX.
Consumer complaint received 2023-12-13
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. (WV)

Please remove All Non Mailable Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Pursuant to 15 USC 6801- Protection of Nonpublic Personal Information.

15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : Remove Hard Inquiry for XXXX XXXX, Pursuant to 15 USC 1681- Permissible Purpose ; Update Accounts as PAID AS AGREED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 USC 1681. Remove XXXX XXXX XXXX XXXX XXXX XXXX  A charge-off is a Certificate of Indebtedness and Income can not be reported. 
Pursuant to the Privacy Act of 1974
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I had called capital one on XX/XX/XXXX a day after my due date of XX/XX/XXXX I asked agent id # XXXX to wave my late fee because i was a day late and to make a payment. Then i set up auto pay so this would not happen again, they waved the fee, i made a payment and set up the autopay but unknown to me they never processed the payment and i didnt know till i got my next statement and a alert of my credit report for being 30 Days late after filing for a personal loan for a medical purpose. I called and opened a dispute XX/XX/XXXX with agent # XXXX on XX/XX/XXXX i called back and explained the issue and agent # XXXX waved my XX/XX/XXXX late fee because in fact i shouldnt of been late since i thought i made a payment but they didnt process it and my auto pay wasnt enough to cover the past due amount from capital one not processing my XX/XX/XXXX payment after doing so by phone. On XX/XX/XXXX i received letter from dispute saying they listened to call and i didnt make a payment i called agent # XXXX who put in for someone to listen again. I got a call the next day from agent # XXXX from florida, saying she heard the call and i didnt make a payment but i know i did at least i was under the impression that i did. I then called back on XX/XX/XXXX again and spoke to agent # XXXX who was in utah, who i have recorded under the federal one consent law 2511 part 2 subpart D under instructions from my lawyer. This agent agreed that they would only wave that fee if i was making a payment and then seen how they also waved the XX/XX/XXXX fee and then informed me that she could see that i called in to make a payment. This same agent told me she would talk to her upper management and get back to me but hasnt in 2 days in which i called back and spoke with agent # XXXX from virgina who along with every other agent before XXXX would refuse to even try and help me. I would never waste my time arguing about this! I have more constructive things to do then waste my time, but the problem now is my credit score dropped XXXX points and i filed for a personal loan for a medical purpose and was denied for a recent late payment being this one so now it has cost me a finacial hardship along with defamation of character and capital one has refused to report to the credit bureaus that it was a mistake on they 're part and correct it. I included the statement showing the XXXX fees being waved.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (FL)

On Friday XXXX XXXX  I contacted current to dispute multiple transactions made on my debit card. They were unauthorized transfers and then spends. I had not used this account in months and they unauthorized transfers were being made from a remote device in XXXX. The dispute was filed and then closed the following Monday. Customer support was unable to answer the reason as to why, and in the last current has stated their disputes team works during business hours Monday-Friday. I do not believe this dispute was actually investigated, current has multiple accusations of fraud made by them, multiple violations of normal banking guidelines, and does not provide customer support in an adequate manner. I am asking my funds be returned to me asap, or that current is investigated and that their doors closed due to massive customer negligence.
Consumer complaint received 2023-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I am writing to you regarding my vehicle, a XXXX XXXX XXXX that I purchased from XXXX XXXX XXXX dealership, on XXXX XXXX XXXX Recently, I have learned that I have had an extended warranty included in my loan AND other charges without my express consent.
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING DELIVERY OF THE LETTER I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. 
ATTACHED IS THE USPS TRACKING CONFIRMATION SHOWING DELIVERY OF THE LETTER
Consumer complaint received 2024-04-05
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. (VA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.
Consumer complaint received 2023-12-13
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Home Loan Center, Inc. (OK)

My complaint is on a company called lending tree LLC, this company is constantly on my XXXX account becouse I tried to get a loan through them 3 or 4 years ago to buy a house, I was denied that loan becouse of my credit report, and they have been on my XXXX account leaving messages for me to get approved for a mortgage loan, personal loans, and whatever other kinds of loans the offer and promoting different ways to get financial assistance for my business and personal loans needs but every time I try for a loan through them they turn me down, why do the keep asking me to apply for a loan when they always turn me down. You would think that they would Finnaly stop sending me invettations to apply if they are just going to turn them down, they have sent me 6 invettations to apply for a loan in the last couple of days after turning me down for a loan a week ago, then they suggest you apply for less money, and then turn you down again and so on and so on!
Consumer complaint received 2023-12-13
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (SC)

Authorized representatives : XXXX XXXX DBA CEO & XXXX XXXX DBA Senior Vice President of Diversified Adjustment Service Inc., are demanding {$150.00} Per the XXXX XXXX XXXX ; Diversified Adjustment Service Inc., is a corrupt debt collection company whom refuses to provide authorized representatives when aiming to negotiate an alleged debt. 

Upon checking my credit report an unknown authorized representative of Diversified Adjustment Service Inc., flagged my credit files with unverified collection & unpaid activity on XX/XX/2023 and XX/XX/2023 Diversified Adjustment Service Inc., decided not to honorably submit their demand for payment through the US Postal service to allow me to properly dispute their claim of {$150.00} I did not authorize XXXX XXXX or XXXX XXXX access to my social security number to damage my credit files. 

Diversified Adjustment Service Inc., are debt collectors demanding a debt on behalf of XXXX XXXX. I have not received goods or services from Diversified Adjustment Service Inc. 

I am formerly requesting XXXX XXXX to provide authentic contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to Diversified Adjustment Service Inc., releasing my private information.

Diversified Adjustment Service Inc., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 

I am not a party to any agreements Diversified Adjustment Service Inc., may or may not have with XXXX XXXX I am not responsible for Diversified Adjustment Service Incs purchase / transfer from XXXX XXXX. 

Present authentic contractual agreements supporting Diversified Adjustment Service Inc., and I have agreed to honorably conduct business. I do not agree to pay/tender anything to Diversified Adjustment Service Inc. , on behalf of XXXX XXXX . 

Diversified Adjustment Service Inc., are prime examples of debt collectors that abuse their authority in efforts to force consumers to pay debts that they have no first - hand knowledge of. 

I have contacted XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Diversified Adjustment Service Inc.

Diversified Adjustment Service Inc., does not have my permission to contact me on my private phone line attempting to negotiate debts that do not belong to me. All calls are recorded for my safety. 

Diversified Adjustment Service Incs reply outside of the CFPBs portal, must be delivered via the US postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof of return to sender if necessary. Please abide by all mail codes. 

I have included all proof in the attachments.
Consumer complaint received 2023-12-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credence Resource Management, LLC (OK)

I have called and tried to pay this debt twice even though the debt is my ex husbands not mine. However when I call Ive been told I have to pay {$1.00} for them to run a credit check to show me my score before they will let me pay off my debt. I opened a dispute last time it happened and now my credit score that was in the XXXX has dropped to the XXXX all because of a less than {$400.00} bill that I can pay but they wont let me pay it!!! I asked for the matter to be escalated to a supervisor last time and she said she couldnt do that until I paid the {$1.00} for her to show me my credit check whenever Im already well aware of my credit history and report.
Consumer complaint received 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (OH)

I paid off my loan of : {$54000.00} completely in about XXXX. I started receiving bills from " Aidvantage Official Servicer of Federal Student Aid '' in XXXX saying I owed interest that was not paid before of : {$2200.00} ( unpaid principal ) is what it is called on my bill. I fought with them for months... finally paid it in full in XXXX of XXXX just so my credit was not hurt ... THEN I get a XXXX bill yesterday for Unpaid Principal of : {$410.00}! and CURRENT AMOUNT DUE OF : {$650.00}! After I paid it in full last month! I called 3 x I got disconnected twice after the person could not help me ( 1st call ) 2nd call, she tried to transfer me to a supervisor and hung up. ( 3rd call ) spoke to XXXX XXXX ( was helpful ) but agreed that I paid my full balance last month and she does not know why I got this bill... not helpful. she said she requested it looked into. my account # is : XXXX - This is exhausting, and this is why I paid the {$2200.00} last month because I did not want my credit hurt. NOW I get another balance due and I believe this is fraud. all of it, i want a refund of my {$2200.00} that I already paid too.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim from a data breach with XXXX. I disputed the items and they were removed from my account. I also disputed the same accounts on Transunion which refused several times to remove any. Transunion is still reporting these accounts. Please follow up and make Transunion remove all this information. 


Account Name Account Number Balance Monthly Payment XXXX XXXX XXXXXXXX {$480.00} - - -No Data XXXX XXXX XXXXXXXX {$2600.00} - - -No Data XXXX XXXX  XXXX {$0.00} XXXX - -No Data XXXX XXXXXXXX {$420.00} - - - DEPT OF EDXXXX XXXX {$1700.00} {$18.00} DEPT OF XXXX XXXX {$3000.00} {$31.00} XXXX XXXX XXXX {$0.00} XXXX XXXX -No Data XXXX XXXXXXXX {$0.00} {$0.00} Also XXXX remove : Current Address XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/ Phone Number ( XXXX ) XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IN)

The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate! They also violate my rights according to the Privacy Act of 1974 and HIPAA Laws. This discrepancy results in inaccurate reporting of the account in question.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

I was contacted by a representative named XXXX impersonating a tech support from my bank company Chime. I was told I was having issues with my account and needed to transfer money in order to authorize a purchase I made on XXXX XXXX. He stated my account expired and that I needed to transfer my money into the new account. I proceeded to send {$2000.00} through XXXX on chimes app to a XXXX XXXX ( XXXX XXXX XXXX XXXX I proceeded to contact the actual chime support to let them know what happened and was told there was nothing that could be done for me. I called again to see if I could file a dispute and was told it could take up to 45 days and thats only IF I qualify for a dispute. I am currently out of {$2000.00} with XXXX dollars left to my name. This is has been the worst experience of my life as I am trying to move into an apartment in 2 weeks but now will be homeless due to this incident. I am reaching out to see if there is anyway possible for you to help me resolve this matter.