davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

my credit report shows XXXX XXXX reported that the account was opened on XXXX account # XXXX how can that be when they also reported that my last payment was on XXXX this is clearly in violation violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). Also they did it again with another account with the account number being XXXX they reported that the account was opened on XX/XX/XXXX but they also reported that the Date of Last Payment was on XX/XX/XXXX I demand that this accounts to be removed from my credit report Delete this account immediately because of direct violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ) .according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also the information is False and inaccurate the date open on my credit account is inaccurate
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (NY)

I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit rating and causing me unnecessary financial strain XXXX XXXX XXXX : XX/XX/year> CREDIT COLLECTION SERV : XX/XX/year>XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Account showing XXXX for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is inaccurate. I tried to dispute for inaccuracy on XX/XX/XXXX, but all they did was add a XXXX for XX/XX/XXXX. Account was closed in XXXX of XXXX.
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Levy & Associates, LLC (IN)

I went through a lawyer 's office in XXXX, Indiana for a debt from XXXX that is being handled by XXXX XXXX but, with a law firm Levi and Associates. I made a couple of settlements, I tried to reach the company by phone and got no answer. I was making payments in fact, this year I have given their law firm a total of {$2400.00} this year close to that amount last year. When I got a balance from my law firm the balance was over {$6300.00} ; However, the balance was {$4800.00} ; with the money that I am paying, I believe I am almost finished paying the debt off. The law firm hasn't accounted for the monies that I have already payed and my attorney has withdrawn from the case and now I have to find a new attorney or represent myself. When I read the reviews on Levi and Associates, there were other defendants who had the same problem with this law firm acting as a debt collector.. I believe their tactics go against the FDCPA. What they want to do is garnish my wages.
Consumer complaint received 2024-05-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AmeriHome Mortgage Company, LLC (MD)

I applied for a hardship modification after I lost my job in XX/XX/XXXX. I was told over 4 months ago, I would get paperwork in the mail and in my portal to finalize my loan modification and adjustment. I haven't received anything. I have sent countless emailed about this, and spoken to someone twice in their mitigation department twice about this matter. Nothing has been mailed to me regarding this. 

I was also advised XXXX and XXXX mortgage was waived due to modifications. My new mortgage pay I ment was {$1600.00}. As long as I made XXXX, XXXX, and XX/XX/XXXX payments on time. My payments would remain the same. 
That was a lie. They said, I would reieve paperwork in the mail and portal to finalize my loan. That never happened. They advised me XXXX and XXXX XXXX payments were waived due to my financial hardship. I didn't have to make the payments. I advised them, I didn't have the money to make the payments at the time, due to being unemployed. I was scheduled to start a new job., however my start date was still a few weeks out. 

They can go back and listen to the recorded conversation with the represetative. 

However, they never made any of these corrections. They kept reporting me late to the credit bureau. Driving my score down over XXXX points for the past 3 plus months. They have just increased my mortgage again, and now claiming, I owe them over {$8000.00}. I have no idea why. These people, are trying to take my house form me. Thi is fraud. 

I shouldnt have. apast due balance for XXXX and XXXX of XXXX, if those payments were waived. I shouldnt have late fees. Why was my morgage raised to {$2200.00}. This makes absolutly no sense. 

Its showing a past due balance on my statement. They also reporting me as late to the credit bureau for being behind on my mortgage. This has caused my credit score to drop over XXXX points. 

I have reached out countless times, via phone and the portal, I have recieved no response. They have also made no efforts to correct this issue or this error. They have destroyed my credit in gthe process. This is not right. 

I have done everything ask. I have been making the mortgage payment for the new modification amount. Where is the paperwork, I was advised I would receive to finalize the modification? 

I would also like for my account to be updated and not show over {$8000.00} of past due babakce. I am not tbehind or late on my mortgage. I was advised I didn't need to make XXXX or XX/XX/XXXX payments, due to my financial hardships and being unemployed. You have continued to report me to the credit bureau without cause. 
This is not right. Go back and listen to the recorded conversation I had with the mitigation dept. That is the department who I spoke with. Thank you.
Consumer complaint received 2023-10-27
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: TOYOTA MOTOR CREDIT CORPORATION (OH)

I am a victim of Identity theft. I did not authorize anyone to use my personal information and credit cards to make transactions with this company. This account should stop and block furnishing information to any credit reporting agency immediately.
Consumer complaint received 2024-05-11
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV INC. (TX)

I felt I didn't have control over my money and they were charging me fees for services while declining my purchases instore online and wouldn't let me withdraw from ATM. I called on XXXX and at first the representative told me everything was fine and nothing was with my card. later I was able to take off some of my money but the rest went to fees. On XX/XX/year> I got direct deposit and couldn't access my money to pay my phone bill so I called and was told my card was locked for suspected fraud and I ended up having to close my account and I have to wait XXXX weeks to receive my funds by check in the mail. I never wanted to use this service and feel it was forced on me by my employer because they didn't want to do direct deposit in either of my existing accounts that I already use. I feel scammed by my employer for cheap labor and robbed by money network and I worked way too hard for the little bit of money that I actually got to spend.
Consumer complaint received 2024-05-10
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: FIRST PORTFOLIO SERVICING INC (NV)

hello my name is XXXX XXXX and I've noticed some unauthorized inquiries on my report and according to the FCRA this is a violation of my rights. I'd like the account removed immediately.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (SC)

Money was taking my from my account on XX/XX/year> just send me a statement ID which is XXXX everything that was charged on XX/XX/XXXX was not me there was at least five purchases I just would like my money back from chime.
Consumer complaint received 2024-05-10
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: Bread Financial Holdings, Inc. (TX)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX  that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (VA)

You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies ) According to FCRA 15 U.S. Code 1681s-2 ( 3 ), if a consumer disputes the accuracy or completeness of any data that an entity provides to a consumer reporting agency, that entity must not continue to provide that specific information to the agency without indicating that it is a point of contention with the consumer. In other words, the agency must be alerted that the particular piece of information has been challenged by the consumer and is currently under dispute. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items and gave you more than enough time as specified in the letters and you havent notated it as disputed. You have basically disregarded my written instruction, federal laws enacted by congress, and rights that I am entitled to. Not to mention more laws that you have not followed under this same section ... According to 15 U.S.C. 1681s-2 ( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS - A person shall not furnish information relating to a consumer TO ANY CREDIT 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 ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/23 I extended my credit as the original creditor for the Goldman Sachs Apple Card. 

I initiated the above consumer credit transaction with my SSN also referenced by congress as a credit card pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640 , 15 USC 1691e . Further more, pursuant 15 USC 1691 ( a ) Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. https 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 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc (TX)

This is a complaint against a company called Credit Fresh, an online installment loan company. 
I obtained a loan from them on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I revoked permission for them to automatically deduct payments from my checking account. 
My payment due date was XXXX XXXX XXXX However, in Texas, by law, all installment loans have a 10-day grace period and late fees may not be charged until 10 days after the due date. I had until XX/XX/, to pay them without penalty. This is why I withdrew my ACH withdrawal permission. 
On XXXX XXXX XXXX despite my revocation of permission, they went ahead and illegally withdrew {$100.00} from my account. I contacted them and demanded that they return the money immediately, pointing out that I still had 10 days to pay them without penalty. They denied having received my written revocation. 
After an exchange of emails over several days, on XXXX XXXX XXXX they admitted that they had received my original revocation email and promised to return the funds they had stolen from me. They claimed they could not do this immediately as their bank had not confirmed the payment yet. They promised that they would return the funds or update me within 2 to 3 Business days. 
By XXXX XXXX XXXX 5 business days later, they still had not returned the stolen funds or contacted me with an update on the situation as promised. I contacted them and they responded with an apology and said they would address the matter right away. 
Today is XX/XX/, 5 days later, and they still have not returned my funds nor have they provided an explanation why they havent. 
In addition, I checked my account status shortly after the theft and it showed a payment of {$100.00} and {$20.00} of available credit. However, my current statement dated XXXX XXXX XXXX fails to show this stolen payment and {$0.00} credit available. 
I believe their initial illegal withdrawal on the XXXX and their continued lying to me about resolving the situation constitute a material breach of our contract and entitle me to monetary damages under federal law.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I recently pulled my credit report, and noticed some errors. Please investigate and update as they are causing adverse harm to my credit report and good character. 

( Midland Credit Management XXXX {$1200.00} - Unverified Account ) In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe to this collection agency, I have not received the following documentation from Midland Credit Management # 1-5 : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

Please also provide me with a TRUE and CERTIFIED COPY ( NOT PHOTOCOPY ) of the 4. Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account.

5. Payment history from original creditor
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have ITEMS left that needed to be removed. This is my 5th complaint that I am a victim of identity theft and I submit to dispute these certain items in my file resulting from the crime. Per FCRA section 605 the Credit Bureaus are required to remove any items listed on an ID THEFT REPORT # XXXX. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any of these items in my credit file that resulted from an alleged identity theft. Please see the items for REMOVAL below 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 EQUIFAX : 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 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have ITEMS left that needed to be removed. This is my 5th complaint that I am a victim of identity theft and I submit to dispute these certain items in my file resulting from the crime. Per FCRA section 605 the Credit Bureaus are required to remove any items listed on an ID THEFT REPORT # XXXX. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of any of these items in my credit file that resulted from an alleged identity theft. Please see the items for REMOVAL below : 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 TRANSUNION 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 2024-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc. (TX)

ACCORDING TO 15 USC 1681 n states person who fails to comply is liable to that consumer for not reporting accurately and i have over 17 deleted items on my report. Attached is my proof of claim and demand the remittance of {$1000.00} per claim in damages due to disenfranchising me and causing harm, life liberty and pursuit of happiness. see attached for evidence
Consumer complaint received 2023-12-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (MN)

PROFESSIONAL DEBT MEDIATION and the landlord never informed me of the owed amount. Landlord who sent debt is corrupt and let me be abused by multiple people, so I left to a shelter on the last month of my lease AFTER paying rent. I left the apartment as I had found it, so I shouldn't have had things sent to collections anyway. Landlord was discriminatory based on gender identity as well. PROFESSIONAL DEBT MEDIATION refuses to strop contacting over my debt even though they are not allowed to collect FROM me as I am on XXXX. I was on XXXX when living at the complex they are collecting from, and still am.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

You are in Direct Violation of the Fair Credit Reporting Act - Capital One has violated several of my rights on two accounts 15 U.S.C 1681 section 602 A, Clearly states that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.