davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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: Atlanticus Services Corporation (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 16668 Section 604 A Section : It also states a consumer reporting agency can not furnish a 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 any purpose.
Consumer complaint received 2016-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Xtreme Products LLC (MI)

I was told I could consolidate my student loans from XXXX to XXXX under Public Service Loan Forgiveness plan of 10 years maximum repayment, and I would be credited for payments that I previously made due to new program that began in XXXX XXXX. ( this is 3 years of payments ) The third party company is USA Student Loan, XXXX XXXX XXXX XXXX XXXX, XXXX FL Contact XXXX XXXX phone XXXX and XXXX XXXX phone XXXX. 
I paid a upfront fee of {$690.00} on XXXX/XXXX/XXXX, loan was consolidated but found out this service is free through XXXX phone XXXX, now my student loan has lost the benefits that I would have otherwise been able to utilized if I remained with XXXX, total loan consolidation is {$28000.00} of XXXX payments opposed to the XXXX payments XXXX XXXX told me during the initial phone conversation. I have left messages and sent emails and no one has returned my phone call. 
In addition I had to change usernames and passwords that were created on my behalf, I feel that my identity has been compromised and I have no resolution. In regards to the student loans I need to be assured my loan is the right plan and there will be not future negative impact to my credit and liens and or taking of tax returns due to defaults.
Consumer complaint received 2016-12-22
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: National Account Services Group, LLC. (CA)

I am being harassed by a debt collection company under the name of NAS Group, in regards to an old debt from over seven years ago, that was previously resolved via CRA dispute. The original company was XXXX XXXX XXXX, which the debt was bought by more than one collection agencies most recently XXXX XXXX. 

I am receiving around 20 calls per day from NAS on my landline and mobile phone. 

A man with the name XXXX XXXX has left intimidating calls with my senior mother and even after business hours at XXXX. Most recently he threatened to file a lawsuit against me and to garnish my wages and tax returns. 

I would like for this company NAS who utilizes false business names and phone numbers to stop harassing and intimidating me
Consumer complaint received 2023-02-03
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Capital One ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT. XXXX To Whom It XXXX Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : Capital One Acct. # XXXX Your company is in clear violation of the law. Under 15 USC $ 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC {$1600.00} ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC {$1600.00}.

Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC $ 1692g violations Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Send out a free copy of my report after the changes have been made. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with 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 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 2024-03-29
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. (LA)

I am filing this complaint in regard to my previous disputes with Transunion. I have disputed the same account 3 times to no avail. Each and every time I dispute the inaccurate accounts in question, there is a reinvestigation launched and thrown to XXXX XXXX just to come back verified. This company is not investigating my reports in accordance with the FCRA. I have received an update of my consumer disclosure report from Transunion and the same issues that I dispute in the accounts initially are still present. Transunion continues to verify inaccurate information as accurate. The is a violation of 15 USC 168e ( b ). I wany these accounts removed. All supporting documents including a demand for removal letter has been attached to this complaint. Per 15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Delete these accounts transunions reinvestigation did not meet Metro2 compliance!
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item.

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

Provider bought mortgage and paid for lender placed insurance that was in place and coverage until XXXX/XXXX/17. continued to charge me the escrow amount. then claimed no insurance and place another policy charging me an outrageous fee and doubling my mortgage payment. when i was made aware of the problem and provided an active policy they stated it was not valid and refused to accept it. i obtained outside insurance and they credited only part of the lender placed refund with no explanation on the amounts. i have tried to get this resolved with no results.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America first is marking accounts as past due when payments have been made each month on the credit card. Sometimes multiple payments in each month and it will still show Im past due. I have contacted the bank six months in a row with concerns because if I dont they will charge me a {$35.00} late fee if I fail to call and make them fix their mistake. I get paid once per month and pay all my bills immediately. If additional money remains I will make additional payments through the month. Regardless of when Im making these payments it is still coming up as past due. This is effecting my credit score with past due constantly showing on my account and definitely not okay when they keep telling me to just make my payments later in the month which allows them to collect more interest. I feel this is clearly theft from their customers and absolutely effects me and Im sure many others with this issue they are having in their systems not correctly updating payments. I do have screen shots of all my payments as well as the past due banners on my account that shouldnt be there at all. Including one showing the banner as well as the clear payment made within that month. Please contact me with any further questions you have regarding this situation and I will gladly answer them so that we can solve this for all America First customers since I can not possibly be the only one dealing with this. I question how many have been over charged the {$35.00} and dont even realize it.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NV)

Explained to the creditor that the account was settled and paid and they sent me a little explaining they received it and the account is settled now they are lying saying they never received payment or agreement to pay to delete account on credit report.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (MO)

I disputed a dismissed Chapter XXXX Bankruptcy ref # XXXX with Experian credit reporting and they say they have verified and it remains on my credit report and I know they have not verified the dismissed bankruptcy nor will they provided me with the verification of where and how the information was verified and I would like for it to be removed off my credit reports. According to the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. In Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report
Consumer complaint received 2022-12-22
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts COLLECTION ( Date Opened : XXXX XXXX, XXXX, Balance : {$4600.00} COLLECTION ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2020 I went to pay the down payment for my home to an XXXX XXXX who was part of a title company for the house I was going to buy in another state. Her title company was called XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX. Someone else was emailing me using XXXX title and header to get me to send the same amount to a wire transfer the same way that XXXX asked me to do the same. 

Bank name XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Account number XXXX Holders name XXXX XXXX Home address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX do XXXX I did a report email to the fbi fraud department, I called and emailed chase. Chase was no help and Im emailing you guys now
Consumer complaint received 2023-02-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: First Technology Federal Credit Union (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX sent me a notice date XX/XX/2023 for a debt I owe to first technology credit union. they attempted to do this first around XXXX of 2023 as well. Around that same time, I found out they they have negative reviews and people have a hard time communicating with them to get any help from them. So that is when i called them and left multiple voicemails and emails telling them not to contact me. I believe i also reported them to the nc doj. Here is is almost a year later, and they are sending me another lawsuit letter. this time something about default judgement entry or something. something about me not being incompetent or incapable, i guess of not being able to pay the debt. I get XXXX  and XXXX  benefits. i have no wages for them to garner, nor do i have any money for them to go after and take that are eligible for that if they bring a judgement against me. here is the deal : i am a XXXX veteran. i spend time, lots of time at the XXXX  due to numerous XXXX XXXX and medical problems. i am on so many medications that i can barely function on a daily basis. so no, i did not respond to their summons they sent me about a year ago. i could not and was not able to. I thought i made that clear to them in voicemails and emails i sent them around that time. I had to go out of my way today and a couple of days ago to call their company to see if i could get this settled. i left two voicemails for two different people and an email and i have not received a response yet. i also have an attorney trying to work with them to get this matter cleared. i do not have time for this. if they want to settle this debt, i am more than happy to. but at least be professional and return my calls and emails. and dont assume you know my situation as a veteran with all these health issues and spending time at the XXXX  and in the XXXX  XXXX ward and going to my many XXXX  appointments that take precedence over going to your summons and responding to it.
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sezzle Inc. (NV)

Numerous emails from XXXX XXXX a collection agency with credit merchant SEZZLE. 
I receive emails every two days with different amount ( s ) in the email. 
The Sezzle account is closed. 
XXXX XXXX will not let me correspondence with SEZZLE nor let me see an accurate balance owed to the merchant. 
The harassment of emails need to stop.
Consumer complaint received 2023-09-02
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Titan Solutions Group LLC (FL)

I took out a loan with the original creditor-XXXX XXXX XXXX XXXX of XXXX to pay off some outstanding credit card bills along with a vehicle payment that was due and was going to be late. However, after I took the loan, I was in between jobs along with more piling debt, then I had multiple gaps of employment between XX/XX/XXXX to XX/XX/XXXX ( which put me in the most financially strapped position ) leaving me unemployed without benefits or financial assistance due to estrangement from family and friends. I was evicted from my home, I lost my vehicle, I am currently homeless along with penniless, I have tried to get a job in which I was not successful, I am living on the streets, shelters, and abandoned buildings. 

I have to turn tricks for food, shelter, showers and eat out of garbage cans, I have ASKED them for debt forgiveness along with the {$180.00} they took out of me after threatening to take me to court and XXXX XXXX a XXXX XXXX XXXX, XXXX XXXX attempted to help at first by giving me a break on some of the payments, however she VIOLATED FDCPA Laws by snooping into my finances calling a relative that I am estranged from who later threatened to kill me and her help was another ploy to get money out of me. 

XXXX XXXX XXXX also gave me the run around about who has my account, they sent the account to Structured Settlement in which they were working on behalf to collect the payments ( in which Structured Settlement BLANTALY LIED ABOUT ), Structured Settlement said they sold the account to XXXX XXXX XXXX in which XXXX XXXX stated was with XXXX XXXX XXXXXXXX XXXX which was ANOTHER XXXX XXXX XXXX IF I EVER HEARD XXXX! 

I asked for my money back and no one has responded to me and I DO NOT HAVE MONEY FOR A LAWYER nor will a pro-bono attorney take my case because I can not prove ANY income at this time.
Consumer complaint received 2022-12-22
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. (GA)

I called XXXX/Experian/XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the XXXX & Experian credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that these accounts : XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$580.00} XXXX XXXX 54677**Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} will be removed.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

To whom it may concern : Account Number : XXXX XXXX XXXX I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged open account is being reported as an OPEN account by XXXX, but being reported as a CHARGE-OFF according to Experian. A Balance of {$420.00} is being reported along with it being reported as a CHARGE-OFF. The last day active is being reported as XX/XX/XXXX for XXXX, and XX/XX/XXXX for Experian. This account is also being reported as account number : XXXX  with XXXX as being open as well with payment history. This account should have no payment history this year because it is being reported as a charge off. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with ALL METRO2 reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX