davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
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: EQUIFAX, INC. (TX)

According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit  bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (SC)

According to the Mohela Website there is an outstanding balance of {$9900.00} in student loans. Previously XXXX accounts consolidated into XXXX. After applying for loan forgiveness. All loans were removed from the servicer, my credit report and federal student loans sites. I have proof of this, happening XX/XX/2022. In XXXX of 2022, loans reappeared on all sites. Resulting in a huge drop of my credit score ( down XXXX points ). The consolidated loan in the amount of {$9900.00} remains on my credit score. It also appears as current balance with Mohela. I have requested explanation of this from the XXXX XXXX XXXX department, as well as Mohela with no response. I do not feel this was acceptable. I received email that all loans had been forgiven and have screenshots from federalstudentaid stating You currents do not have any federal loans or grants
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA withdrew {$150.00} from my checking account to offset an old business credit card debt which I have tried to settle on numerous occasions. I suffered a debilitating XXXX in XXXX  and had to shut down the business. My only source of income is XXXX and BofA is well aware of this fact. According to my research that would make this a double violation as it is credit card debt only no matter what XXXX XXXX may try to claim and a protected form of income, both of which fall under the Federal statutes.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MD)

My financial accounts and technology were all compromised as a result of the following XXXX  compromise : Someone found a way to bypass the two-factor authentication ( 2FA ) security measure at XXXX XXXX and compromise countless accounts. 

Following the bypass, the attackers are able to use the compromised accounts to try and take over cryptocurrency exchange accounts and cloud storage services. 

On XX/XX/XXXX XXXX email users started getting notified of changes to their account information, but their passwords were already changed so they couldnt enter. Those that managed to get back into the account found that a secondary email address was added to the account, from a disposable domain XXXX 

Sponsored Links This Year 's XXXX Lineup Is Turning Heads -- And Finally On Sale! 
Best XXXX Deals | Search Ads Bypassing 2FA The secondary email address is a security measure used by some email providers that help with password resets, account notifications, and similar. 

RECOMMENDED VIDEOS FOR YOU... 
CLOSE Many of the victims took to XXXX, XXXX, and XXXX  forums to discuss what had happened, and said that they had 2FA enabled. So, whoever was behind the attack, managed to guess the password with credential stuffing, and then managed to bypass the two-factor authentication security measure. XXXX report states the attackers used a privately circulated OTP ( one-time password ) bypass which allowed them to generate working 2FA verification codes. 

READ MORE XXXX XXXX publishes XXXX 'unlisted ' phone numbers online > What is 2FA and MFA? 

> These are the best firewalls right now That gave them access to the account, and adding the secondary, disposable email account, allowed them to perform the password reset process. 

After gaining complete control over the compromised email accounts, the threat actors then proceeded to breach further online services, assuming people 's identities to request email resets. XXXX, XXXX, XXXX, and XXXX, are just some of the services that the threat actors tried to breach. 

XXXX is keeping silent on the matter for the time being, but a customer said on XXXX that the firm is aware of the incident and is currently investigating. The same source also said that according to a customer support employee they spoke to, the issue seems to be quite widespread. 

As a result, my financial accounts were all compromised, my technology was all hacked, I lost by business, and my health, requiring hospitalization, among other losses. I attempted to resolve this with XXXX directly several times, even requesting that they come out to fix the problem, but all they did was bring me a new box.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (WV)

XX/XX/2021. I noticed suspicious activity on my account. I contacted Coinbase and had them temporarily disable the account. They assigned my problem as Case # XXXX and said they would investigate. Since then, my account has been dormant and they refuse to restore access to the account and restore access to my funds.
Consumer complaint received 2023-05-07
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. (WI)

I have tried repeatedly to resolve issues with incorrect information on my report. The credit bureau ignores my letters and repeatedly adds incorrect descriptors and or inaccurate comments to my XXXX XXXX Accounts. This inaccurate, fraudulent descriptor negatively impacts my credit worthiness and ability to obtain additional credit or credit increases. 
My consumer rights have been violated and FCRA guidelines have been blatantly disregarded by credit bureau ignoring letters Ive sent requesting them to delete the inaccurate remarks/descriptors - as they are blatantly false and inaccurate.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

On XXXX bank Washington XXXX tries to contact me someone in Georgia have been emptying my account for the pass XXXX over XXXX dollars included by a car credit cards. After the finally stop it filed fraud charges. I thought very was over. XXXX find car XXXX XXXX XXXX registered on my name.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Called MOHELA to determine what my monthly payment would be after switching to the SAVE plan. The website and mobile application say my payment due was {$79.00}. The letter received confirming my auto debit states that my monthly payment is {$570.00} and is due on XX/XX/year> ( the correct amount ). I called and spoke to a representative to confirm which of the listed payment amounts is the correct amount. They were confused and said the {$79.00} but the system also shows {$570.00}. Rep stated that the amount will be auto debited on XXXX. No auto debit was taken on XXXX and I checked throughout the day. I made a manual payment on the mobile app on XX/XX/year> but it would not let me change the payment date to XX/XX/year> and would only accept XX/XX/year>. This in turn makes my payment late and my account deliquent. I have screen shots of the payment being made on XXXX. 

When I was making the payment it also gave me a warning that an auto debit was in place and any payment I made would be treated as an extra payment. I still made the payment because there was no payment pending on auto debit. 

Trying to speak to someone on the phone and after the 8-10 minutes it takes to be forced to listen to the options menu and resources being shared, the wait time to speak to someone is over an hour.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/XXXX there was a court date that I was not notified about a debt of XXXX by Midland. They said that they served me a process server, which never served me. They lied on an affidavit and said that they served me. When the debt was originally created in 2020 of XXXX, I was away and XXXX XXXX XXXX. Where Ia process server, which never served me. They lied on a affidavit and said that they served me. When the debt was originally created in 2020 of XXXX, I was away and XXXX XXXX XXXX Where I had no access to my phone. When I asked them to provide me with documentation of the credit card that was used the email address that was used and information that was used to create the account they could not provide me with that information.
Consumer complaint received 2017-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NJ)

On  XXXX  ( app rox ) I received a modification approval from Ocwen for  our mortgage. On  XXXX  ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my  XXXX  payment so that it would not be late due to the bank holiday. On  XXXX  we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On  XXXX  I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on  XXXX  and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in  XXXX  days. I gave it till  XXXX  and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it  XXXX  more days. So again I wait for the paperwork and again nothing, call them again on  XXXX . This time told its still in review and nothing has been done. At the End of  XXXX , they finally " approved '' the mod and sent me paperwork and we immediately signed and returned it to them via overnight at my personal expense ( also paid notary at my personal expense ) and we again waited. About a week later I get a call from my " relationship  manager  '' and now we are told first that the paperwork had an error and would need to be redone, so I spoke to the ombudsman office (  XXXX   XXXX  and she assured me that everything was correct and if there was an issue she would personally call me bac k. Again nothing for over 2 weeks, until I get again a call from my Relationship manager, and this time she tells me it was rejected due to missing signatures, ( see attached, everything is signed and notarized. So I speak to ombudsman again, and now again the story changes, now ( 3rd thing I have been told from people ) is the amounts are wrong on the paperwork and we need to get them re-sent and signed. So now we are 8 months into the process and still no modification and Ocwen is STILL report ing me as late to the credit services and still charging me fee after fee and extra interest.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

I initiated a transfer of {$250000.00} from Apple Savings ( through Goldman Sachs ) on XX/XX/2023. The app indicates that it typically takes 1-3 business days to complete ; however, when I called on Friday ( XX/XX/2023 ), I was told that it could take up to 5 business days and that I had no choice but to wait until Monday ( XX/XX/2023 ). I called again on at the end of business on Monday ( XX/XX/2023 ) after still not have received the funds, and this time, I was told I needed to verify my information for them to process. I then did that and was told it would take 1-3 business days. i called again on Wednesday ( XX/XX/2023 ) and have now been told the transfer is still under review. 

What is particularly frustrating is that no one seems to have any power to do anything. That is the response from supervisors and specialty operators.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NJ)

I have written letters to National Credit Systems to have this debt validated and provide written documents with signatures regarding the issue. I have not received any correspondence regarding the matter the only thing I have received is an updated credit report that claims validation. I know that this is a violation of the FCRA. I'm asking this agency to intervene and remedy this situation immediately. 

Sincerely XXXX XXXX XXXX
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (LA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello, My name is XXXX XXXX and I'm filing a complaint against Equifax for violating the Fair Credit Reporting Act. I have shown Equifax an enormous amount of evidence that my identity was stolen and used to open fraudulent accounts. These accounts are negatively reporting on my credit report and hurting my chances of maintaining myself. Equifax claims they verified information or that the account does in fact belong to me but fails to show me any kind of proof. I, on the other hand, have submitted Identity theft reports from my local police AND an identity theft report from the FTC. Along with information that verifies my identity and have even sent Equifax proof that these accounts do not belong to me. For example, I sent Equifax a contract from one of the accounts 'XXXX  XXXX XXXX that I obtained from a customer service rep. In that original contract, the address and phone number that was used is not my address or phone number. I don't understand how Equifax can claim this account is verified and claims it investigated when there are inconsistencies such as this. 
Equifax is breaking the law and should be reprimanded immediately. 
Credit Reporting Agencies are supposed to report correct and verified information so not only are they not doing their job, they're breaking the law. 
Please see that they are dealt with.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (VA)

I asked the credit agencies to validate the information that's reporting on my credit report and they have failed to provide me with this information and its negatively reporting on my credit report. According to the Fair Credit Reporting Act. 15 U.S. Code 1601 Truth and Lending congress states that accuracy and fairness of credit reporting should be reported. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (VA)

{$1000.00} loan taken out from Allied Cash Advance that is now owed by Check  N Go, they contact my job repetitiously daily harassing me. If I send the call to voicemail th ey will attem pt 3 more  times back to back and again at the end of the day.     I finally answered the call today and advised again do not call my job again.     I have paid well over the amount borrowed and when the company was sold to Check  N Go th ey no longer called to ask for Authorization for payment they just went into my account monthly and took funds beyond the required amount. I finally closed my account and stopped the payments completely. They are chagrining ridiculous fees and the loan at this point will never be paid off.     I advised when I initially took out the loan 2 years ago that my job is never to be called as our calls are recorded and monitored for quality assurance and training purposes as my job also involves compliance with CFPB guidelines. The calls continue and now my job is in jeopardy.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A.

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023
Consumer complaint received 2024-03-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I am just now finding out about the debt because the apartments and collector didnt notify me of any issues. I left the apartment complex with a forwarding address and phone number as well. I did leave my keys for the complex and left the apartment clean. I simply moved because my lease was up and wanted a better apartment. The collector stated that the complex evicted me because of the apartment being destroyed, but I have never been evicted and have never gotten any notice for eviction. When the collector asked if I had the move out sheet with the information stating I had left the apartment in good standing I tried to explain that I did not because this was in 2017 and I had since been in a XXXX XXXX relationship that I had to flee and where he destroyed any paperwork I had. She was extremely rude and not helpful. She stated that she sent the information to XXXX XXXX in XXXX which is my abusers home and where he had also canceled all of my mail. However, that was never my forwarding address. It has always been XXXX XXXX XXXX in XXXX and it still is. The apartment complex nor the debt collector have notified me still. The only reason I found out is because I contacted them after an apartment I was trying to get now was denying me for that. The previous complex and the collector has given fraudulent information about me or got me confused with a different tenant. I have received nothing in writing, have no description, no call, and no account number.
Consumer complaint received 2022-11-22
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: Experian Information Solutions Inc. (MO)

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. 

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 HAS violated my rights. 

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

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. Section ( A ) ( 5 ) 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 7 years.

15 U.S.C 1681S-2 ( A ) ( 1 ) states 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 2023-10-16
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: Cascade CISS Holdings, LLC (NY)

After reviewing my most recent credit report I noticed hard inquiries I did not authorize I contacted the companies in question and was directed to the credit bureaus to try and resolve the matter Dates of inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX