davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Breit Investment (OK)

For the last 2 weeks I get a call daily! All voicemails say that a payment if {$120.00} is due by the end of XXXX so I have it in my budget to pay at the end of XXXX. They keep leaving voicemails that they need to hear from me. They dont need to hear from me since they are giving me until XX/XX/XXXX to make a payment. Now. If XX/XX/XXXX had already passed and still no payment, then the daily calls and voicemails DEMANDING me to call would be justified. 
My voicemail said {$120.00} I get a letter from them today XXXX stating I have 5 days from the date of the letter to get my account correct. Ok, thats not what your voicemail is telling me!!! 
Also, they call my work phone and I am not going to pick that call up. They also call from an XXXX XXXX number when they call to leave the voicemails, not the phone number for Signature Loans on XXXX, so thats really shady!!! 
They need to be asked to call from their business phone and if a voicemail says one thing, leave it alone until that date comes up!!! XXXX is the staff that Im referring to. This store is Signature Loans on XXXX in XXXX  XXXX!
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (NC)

I am writing to file a formal complaint against the ONLINE INFORMATION SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, Date Last Reported and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. 

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues.

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected ASAP. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-01-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

This is XXXX XXXX upon discovery after viewing my consumer report I see that CEO XXXX XXXX XXXX  FirstPoint Collection Resources , Inc. is reporting three alleged debt ( s ) onto my consumer report. I am invoking my specified remedy as the true original creditor pursuant to 15 USC 1692c ( c ) ( 3 ). I am demanding that XXXX XXXX send me verification - ( sworn under oath 28 USC 1746 ) of this alleged account pursuant to 15 USC 1692g ( b ). I am also demanding FirstPoint Collection Resources , Inc cease all collection & communication activity through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c )
Consumer complaint received 2023-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2024-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Long & Foster Financial Services, Inc. (CA)

I applied for a Prosperity mortgage loan on XXXX via a button on their website that says " Apply Now. '' On XXXX I received an email from Prosperity saying, " Thanks for starting a new loan application. '' On XXXX I asked for a loan estimate for the specific address with an offer of {$190000.00}, {$20000.00} down and 3 % seller contribution. The actual address was one digit transposed, and the realtor asked me for the corrected address on XXXX. I provided her with the correct address, and on XXXX she provided me with a fee worksheet. 

On XXXX I again asked the lender for an OFFICIAL loan estimate. The lender replied on XXXX that they can't do that and can only provide the loan worksheet because the loan estimate triggers a live loan file. 

I replied on XXXX, cited your website 's statement regarding lenders being required to provide a loan estimate within 3 days of an application, and again asked for the official loan estimate. The lender replied on XXXX stating, " In the mortgage world, an 'application ' is defined as when the 6 pieces of RESPA information have been received, one piece being the property address when the offer to purchase has been accepted. Since we dont yet have that, we dont have all 6 pieces required by RESPA so we dont yet have their definition of an 'application ' which means the 3-day disclosure timeline does not apply. ''
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

XX/XX/year>, someone had electronically sent 6 different checks of {$450.00} into my checking account and both my savings accounts. They deposited 2 checks each into my accounts, then once the funds were available, they XXXX  the amounts to themselves and then those checks were fraudulent and bounced back out of my account, overdrafting my accounts. On XX/XX/XXXX, my debit card declined an {$11.00} drink and thats when I looked into my accounts and saw that my Checking account was overdrafted- {$780.00} and one of my savings account was overdrafted- {$360.00}. I called Chase bank asking what was going on and they stated that the checks that were deposited were fraudulent. I stated to them that I never deposited those checks and they took note of it and stated that they would figure out what was going on. XX/XX/XXXX, I was supposed to receive my paycheck from my employer. I was also traveling out of state on the XXXX and when I checked my bank account, my checking and savings accounts were gone/hidden. I walked into my branch bank on XX/XX/XXXX after I returned home. They stated that there was nothing they could do to dispute the charges and my paycheck was used to pay the overdraft fees in my checking account and they would send a separate paycheck of the difference of {$640.00}. I called the support team over the phone and was getting transferred from person to person to person and no one knew how to help me. After being on the phone for 2 hours and 35 minutes, someone finally opened an investigation on the transactions. They stated that they would freeze my accounts and temporarily credit my account {$800.00} that they took from me. I also have received letters and statements of the checks that were deposited and the signatures on the back were not mine. And the people they XXXX  the amount to, I never even heard of them nor have a relationship with them of any sorts. I attempted to take the credit out to pay for bills, but the banker told me that there was no credit available. Today on XX/XX/year>, I called to follow up on the investigation and they stated that it looks like the XXXX  transactions came through my device and that they could not help me retrieve my money back. I stated to them that it was not me who authorized the transactions and stated that because it came from " my device '' they closed the investigation and could not help me any further.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have an unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Systems provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NJ)

Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Passport ID Number : XXXX Address : XXXX XXXX Pl XXXX XXXX XXXX NJ XXXX United States Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX NEW JERSEY ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX NEW JERSEY ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX NEW JERSEY ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/XXXX, I agreed for XXXX XXXX ( XXXX XXXX ) to initiate a {$3500.00} payment to my XXXX XXXX XXXX ( XXXX XXXX ), to bring that balance down to {$450.00}. ( Now {$0.00} ) XXXX honored the agreement for a {$170.00} fee and sent XXXX {$3500.00} to be charged to my XXXX XXXX with XXXX 0 % interest. Thus, my XXXX XXXX had a new Balance of {$3600.00}. Experian reported the New XXXX XXXX Balance as an INCREASE of 17.33 % in Credit Usage. All this might have been okay, except Experian neglected to report the XXXX XXXX XXXX XXXX half of the transaction, which left hidden the {$3500.00} lower balance in the XXXX XXXX and didn't report a 20.1 % LOWER XXXX Credit Usage percentage . This caused a XXXX Point Experian Credit Score ; a XXXX Point XXXX Score and somehow, a minus XXXX Point XXXX XXXX XXXX XXXX XXXX The Usage percentages should have been OVERALL Credit Usage averaging ALL Usage. This is what I'm most concerned about. Background : On XX/XX/XXXX, I wrote a XXXX promotional check for {$18000.00}. I paid {$420.00} every month until paid the {$18000.00} back. My penultimate act on XX/XX/XXXX used the XXXX offer to reduce my {$3900.00} balance to ~ {$0.00}. Then XXXX chose to REDUCE my Credit Score XXXX points. Wait. What?
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX Experian continue to report my financial history without my consent. 

XXXX XXXX agreed not to share my information with non affiliates and Experian is not an affiliate of XXXX. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. Experian is a for profit company that has no affiliation with the government and therefore should not be reporting my financial history. 162.6 Reasonable opportunity to opt out.
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (WI)

I suddenly became unemployed. No income. I called the company advised them. Was at first nice a s helped push back due dates. I called XXXX to resolve the. Debt and was told my card was permanently closed. I looked threw ALL emails and fortivas website messages as well as paper m ail. Never did. I receive any correspondence saying if I didn't make a payment or bring the account current that they were going to close my account. I spoke to somebody on the XXXX XXXX XXXX  and I said I want to see the Terms & Conditions that I sign. And he sent me a generic credit card. 
Terms and conditions. I called again today to see you. If we could come to a resolution where my car wouldn't be closed. I would pay the full balance and they said no. They were rude and I believe this company was a scam. Add this card for all about a year. Never missed a payment never was late. I believe when I was late. It was like do it midnight. And I think I made the payment. It like XXXX XXXX  I asked to speak to somebody that can help me. We can come to a resolution and I would pay the balance off in full that day. I don't feel I was treated the way a company or anybody should treat other people. 
Hard ships happen to everybody. I didn't wan na be one of the people that. Oh, my credit cards close forget it. I won't pay it or the user credit card never paid that it was nevermind intention and they did not want to help in anyway at all again. I looked through all correspondence from this company when was never told if I don't make a payment by x amount date. Your card will be closed. This company is a scam. 
Add 3 other credit cards. And all three companies worked with me because of the hardship at the time. When I became unemployed because XXXX XXXX XXXX I called I spoke with somebody and they said. Don't worry, we'll work with you until you get back on your feet. 
They never called me back. So I assumed they put like the credit protection or pause on my account. Fill that I was able to get back on my feet and then bring the account current. 
I've tried to talk to several people at the company to come to a resolution. And they did not wan na work with me at all
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX Experian continue to report my financial history without my consent. 

XXXX XXXX agreed not to share my information with non affiliates and Experian is not an affiliate of XXXX. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. Experian is a for profit company that has no affiliation with the government and therefore should not be reporting my financial history. 

162.6 Reasonable opportunity to opt out.

( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart.

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out.

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method.

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method.

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction.

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process.

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.
Consumer complaint received 2024-05-17
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: JPMORGAN CHASE & CO. (TX)

I didnt not authorized any hard inquiries on my credit report from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JPMCB card XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 18 usc 8, owe no debt, this company is violating my consumer right to privacy pursuant to usc 1681-B2 company had no permission to report my informatio