davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc. (MS)

Tower Loan has stolen my identity and repeatedly pulls my credit without my permission Tower Loan has damaged my credit Tower Loan has damaged my family Tower Loan has racially profiled me as African American Tower Loan has violated my civil rights Tower Loan has stolen my identity Tower Loan has used my identity without my permission over and over again Tower Loan is breaking the law. Tower Loan must stop using my credit or I will go to the XXXX police department and press charges against management. I have already spoke with a detective at the XXXX Police Department.
Consumer complaint received 2023-07-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BMO Bank, N.A. (SC)

The amount of monthly payment Bank of the West applies to the interest payment varies and always has since this simple interest, installment loan began. It makes zero sense and isn't how these loans work. 

Simple interest installment loans have an amortization schedule over the life of the loan showing where from day 1 a portion of the monthly payment will go to principal and another portion to interest. Over time, more of the monthly payment begins to go toward the principal as the interest amount owed lowers becasue it is based on the total principal value.

This is not what has been happening with my installment loan since day one and a simple review of its payment history will reflect exactly what I am saying.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX, XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX ) XXXX, XXXX XXXX ( ORIGINAL CREDITOR : XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ) XXXX.
Consumer complaint received 2023-07-11
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: Georgia Student Finance Authority (GA)

In accordance with the Fair Credit Reporting act ( Georgia Student Finance ) Account # XXXX, has violated my rights on XX/XX/2023. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Please remove the negative payment history and update the account to positive and paid as agreed.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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.

DIVISION OF CHILD SUPPORT : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2023-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (VA)

On XX/XX/, I received a notice dated XX/XX/XXXX  on a debt in the amount of XXXX from American Coradius International, LLC representing XXXX XXXXl ( creditor ). I have never used XXXX, nor do I even know what this is for. I have never received anything from XXXX. I am a victim of identity theft and felt compelled to report this to the CFPB.
Consumer complaint received 2023-03-31
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2023-09-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (TX)

Please accept this letter as notice that you are in violation of breach of contract, negligence, Billing Error, negligence, false reporting, selling the contract. verifying account without providing account level documentation. Hidden fees, Deceptive cancellation, Location Data Selling, Data Breach, False reporting, selling the contract without taking me to arbitration, failing to mark the account as disputed, verifying the account without providing account level documentation. date the above inquiry ( ies ) not yet documented have NOT been demonstrated with adequate demonstration of required PHYSICALLY VERIFIED PROOF OF THE ADEQUATE and legally ACQUIRED PERMISSIBLE PURPOSE as result of report review requested by myself and or any person, persons, or entity else wise legally with the rights of Permissible purpose above and or beyond my knowledge and or authority. Being not provable of mandatorily substantiated Permissible Purpose from the exact and identified me, the allegation of inquiry ( ies ) can not be assumed COMPLIANTLY recited nor any direct and or indirect injurious account claims assumed COMPLAINTLY believed. Further, given the above suggested deficiencies, any assumption ( s ) of verifiability much less validity of claim ( s ) can not be assumed factual, and I here now today DEMAND total and permanent ERADICATION of the flawed expressed inquiry ( ies ) and any and all allegations of injurious account reporting ( s ) there by associated, directly or indirectly, mentioned here or not, veracious or not because CERTIFIABLY COMPLIANT REPORTING OF ONLY PHYSICALLY VERIFIED authentic CORRECT replete and fully VALIDATED claims is the LAW and STANDARD OF ACCEPTABLE LAWFUL REPORTING PRACTICES. You now any being has the right to be derelict in reporting and you can NOT justifiably cling to any suspect or recklessly poor information, particularly claims contested by the injured consumer such as I am doing here and now! In advanced I thank you for your willing action to return to total compliance of reporting.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00}. XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP (TX)

I have lived at the same address in XXXX since XXXX XXXX. Without my knowledge, XXXX Bank sent a bank card to a post office box XXXX on or about XXXX XXXX. The bank card was attached to my bank accounts. At the time I had roughly {$4500.00} in my savings and checking combined. The total amount in those accounts remained the same for over XXXX-6 years. In less than 6 weeks or so, both my checking and my savings accounts were drained and XXXX Bank had allowed and additonal {$4000.00} to in reserve to be stolen as well. Additionally, the address on my accounts was changed therefore, I was not aware that there was unauthorized activity on my accounts until I received a phone call in late XXXX XXXX from XXXX Bank requesting that I make arrangements to pay on the over drafted accounts. I immediately phone XXXX Bank Customer Service to file a fraud report. I was told that I could not file a fraud complaint and that only the person that used the card could do so. After numerous phone calls and written requests that I be allowed to file a complaint, I finally was directed to a district manager who again refused to allow me to file a fraud complaint. XXXX Bank further refused to replace my savings and checking account. As a result of their error, my credit rating has been lowered from XXXX to XXXX. I am totally disappointed and desperately need help. Not only did XXXX Bank allow my savings to be drained, they are ruining my hard earned credit rating due to the fact that they did not protect my accounts nor did they notify me so that I my protect my self. I have received numerous harrassing phone calls on my cell phone and home phone usually between the hours of XXXX XXXX. I am a XXXX XXXX XXXX retired XXXX XXXX veteran, I am devastated by this company and its dismissal of attempting to right this wrong. NOTE : I filed a dispute with XXXX yet this matter remains unresolved. Also contacted the XXXX police department.
Consumer complaint received 2022-12-21
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: LEXISNEXIS (AZ)

Lexis Nexix laced my credit report with false entries again. 
On my XXXX  report since XX/XX/2019, NOT MY LOSS XXXX XXXX XXXX XXXX XXXX XXXX, not my loss AND DOES NOT BELONG TO ME ON MY REPORT. Delete at once.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (VA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT LVNV ACCT XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 : STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHA ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act 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 604 A Section 2 : It also states a consumer reporting agency 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
Consumer complaint received 2023-02-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (VA)

Cmg mortgage sent my XX/XX/2023 payment back, then sent letter stating payment was never paid and they're going to charge me late fees & report to my credit even threatening of foreclosure for non-payment if not paid in 60 days. I sent a certified letter which they received it on XX/XX/2023 they signed for it so therefore my mortgage was never late CMG also tries to increase my mortgage then they sent me a recent letter changing my mortgage again I have a fixed VA loan mortgage therefore my mortgage should be staying the same not changing as CMG has no justification for the change. They also said my home owners insurance is {$2000.00} a yr, but then after a call to XXXX my home owners insurance it's was only around {$1200.00}. Cmg said i have to pay the {$2000.00} before they would fix it
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I received a late payment on my auto loan ending in XXXX on my XXXX XXXXXXXX  account for XX/XX/2024 but this auto loan was refinanced and paid off and closed in XXXXso how will be late in same month it was paid off ( see attachments ) and its on all XXXX credit bureaus. The account is from XXXX XXXX  it was an auto loan for XXXX account ending in XXXX I owed XXXX they refinanced the loan which now ends in XXXX and I signed documents in XXXX. So how is it they marked me late for a loan that was refinanced in the same month Ill send both attachments to prove it. Also its listed as an Unsecured personal loan on Experian which is incorrect it needs to be listed as an auto loan because thats what it is.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

Greetings, Re : Community Loan Servicing : Mortgage Fraud I purchase my home XX/XX/XXXX and Paid it Off. XX/XX/XXXX Community Loan Servicing, LLC sent me a new Mortgage Loan in the amount of {$110000.00} from their company. 
they appear to be using fraudulent information that's not there's. 
My wife and I was victims of Identity Theft # XXXX and was documented with a police report. They appear to be using fraudulent information that's not there's. 

However, I never refinance nor applied for a Mortgage with this company ever. I have asked them to provide original Community loan documentation. As of this date they have not provide proper Mortgage Documents. 
Every time we clear this matter up with former Mortgage Loan Company and they close their claim. A new Loan and/or Mortgage Company files complaints with the Three Credit Agencies for nonpayment of a Mortgage I do not owe. I need your help with this matter. 
Thank you
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TX)

I have nothing in any kind of collection. They ask me to call them back at the number I am complaining about. This has happened twice in the coarse of a month. I want you shut them down. Along with numerous scam calls.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I HAVE CONTACT EQUIFAX EVERYBODY 'S INQUIRIES THAT I DO NOT KNOW ABOUT I DISPUTED EVERYONE THAT'S ON MY CREDIT REPORT EQUIFAX SENT INFORMATION BACK TO ME SAYING THEY AGREED WAS ON MY CREDIT REPORT I HAVE TRULY TRULY TRY DEALING WITH THIS ISSUE EVERY TIME PUT IN DISPUTE THEY DENIED THE DISPUTE ALL OF THE DISPUTES OF INQUIRIES THAT WAS MADE ON MY CREDIT REPORT OF ME OR NO KNOWLEDGE I ALSO HAVE ON THEIR STATEMENT LETTING THEM KNOW THAT I WAS IDENTITY THEFT I HAVE FOUND SEVERAL COMPLAINTS WITH HIM DISPUTES I HAVE ALL COMPLAINTS REFERENCE NUMBER REPORTS ON EQUIFAX EQUIFAX SENT ME AN EMAIL DENYING ALL MY CLAIMS I SENT THEM OVER 20 TIMES THE SAME INFORMATION THEY REQUESTED FOR IT IS NOT MY FAULT OF MY PROBLEM THAT THEY LOSE OR LOST MY INFORMATION I REFUSE TO SEND THEM IN THE SAME INFORMATION THEY REQUESTED THE FIRST TIME I SENT THEM THE INFORMATION THEY SAID THAT I HAVE TILL XX/XX/XXXX OR XX/XX/XXXX TO SEND THEM THE INFORMATION AGAIN WHICH IT WAS SENT TO THEM ON PROPERT APPROPRIATE TIME. I BELIEVE ON 100 % SHUTTLE WITHOUT THAT THIS IS RETALIATION OF ALL REPORTS CLAIMS AND COMPLAINTS THAT WAS MADE BY ME FROM THE FTC I HAVE BEEN MORE THAN PATIENT WITH HIM OR DOING WITH THEM AT THE SAME TIME I'VE BEEN OVERWHELMED XXXX MENTAL EXHAUSTION AND THEY STILL DENYING MY CLAIM I DON'T KNOW WHAT'S GOING ON WITH THEM AND WHY THEY CONTINUE TO DO THIS I KEEP SENDING THEM ALL THE INFORMATION IN I REFUSE TO RESEND ANY INFORMATION IN AGAIN IT IS NOT MY PROBLEM NOR MY FAULT THAT THEY LOST THE INFORMATION MY INFORMATION ON MY TIME. HOW MUCH MORE CAN I GO AND DEAL WITH THIS WITH EQUIFAX THIS IS TOTAL OF DISCRIMINATION RETALIATION AND I'M TIRED OF IT