davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

As a consumer and natural person am a victim of identity theft. XXXX, XXXX, Experian have used and furnished my consumer credit report without my authorization, consent or written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a RIGHT TO PRIVACY! XXXX, XXXX, and Experian has violated my federally protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMER 'S RIGHT TO PRIVACY! XXXX, XXXX, and Experian are in direct violation of the FCRA and the Gramm Leach Bliley Act of 1999.
Consumer complaint received 2023-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was selling a furniture ( desk ) on XXXX XXXX. This guy named XXXX XXXX messaged me saying he's interested in my desk. He said he'll send the payment so he asked me for my email address and my name. I sent him. 

He came back to me saying he had to pay additional {$200.00} to upgrade my account to XXXX business account. I also got an email that says " XXXX, '' so that he can send me money through XXXX. He was in rush, so I sent him {$200.00} and showed him the transaction. 

But then, I received another email saying that I need another {$300.00} to complete the payment to upgrade my account. I thought that was suspicious, and that was when I realized it was a XXXX  account not XXXX 's official account. 

To me, this is a very new case that I've never heard of. I should've checked closely but because I had so much things to do in mind, I overlooked.
Consumer complaint received 2021-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Accounts, Inc. (NY)

Several months ago I saw 2 accounts that this company had on my credit report. So I called them up to ask them to please send me letters verifying the debts. They proceeded to tell me that they can not send me anything because I am not in North Dakota and they aren't allowed to send anything to New York, where I had recently moved. I told them that per the FDCPA they are required to send me verification of the debt, I asked for proof that the debt is mine by sending me something with my signature on it and something breaking down the amounts owed. The woman told me that I am not a debt collector and that she knows better the laws better than me. She then hung up on me. I called her back and reminded her that per the FDCPA she is required to send me verification of my debt. Again she refused and hung up on me. I let it go because I wasn't sure what else to do but it recently has been brought to my attention that I can report them for fraud.

They also repeatedly report these debts I allegedly owe them month after month. I have never seen a collection agency do that. They report the debt every month as if it were a whole new debt and i have noticed the amount goes up a little bit every so often.
Consumer complaint received 2024-10-08
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: CL Holdings LLC (TX)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Texas Laws Dear JEFFERSON CAPITAL SYST, I am writing to address the blatant violation concerning unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 .

It has come to my attention that JEFFERSON CAPITAL SYST has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is required for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair and accurate reporting of consumer credit information. Identity fraud laws, such as Texas Penal Code Section 32.51, also underscore the severity of unauthorized access and misuse of personal information.

I assert with absolute certainty that I have not provided consent for JEFFERSON CAPITAL SYST to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, resulting in potential harm to my creditworthiness and showing disregard for both federal and state laws.

I demand that JEFFERSON CAPITAL SYST immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be regarded as willful noncompliance, subject to penalties under applicable laws, including identity fraud statutes.

Obtaining consumer consent is not a discretionary choice but a legal requirement under the FCRA, Texas state law, and identity fraud provisions. This communication is a demand for compliance, not a negotiation, to protect my rights as a consumer from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that XXXX XXXX XXXX will swiftly rectify these violations, ensuring full adherence to both federal and state regulations. 

Done in good faith.
Consumer complaint received 2023-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (LA)

I have called the ER billing ( XXXX XXXX XXXX XXXX ) to get the number for the collection agency. The numbers i was given. XXXX and XXXX, are non working numbers. The ER billing tells me that they dont know that collection agency it must be from the Doctor. I have no clue who the doctor is or even the patient. There is NO information on my credit report other then its a collection. All my children have XXXX  XXXX. With that being said. I worked in medical billing for 7 years. It is against the law to bill a medicaid patient a balance not paid by medicaid. That balance is to be written off!!!
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I reviewed my credit report and : - I have a XXXXXXXX XXXX  account on my credit report ( XXXX ) that I paid off that is showing with a late payment and I HAVE NEVER BEEN LATE. I reviewed my credit reports and there is another XXXX XXXX Acct with the same credit limit, same dates opened, and same account info that shows NO late payment. I paid that account off and I paid it on time EVERY TIME. I have attached the screenshots that show you the XXXX XXXX accounts that are the same and XXXX showing no late payments, WHICH IS CORRECT. 

- I have an account on my credit from XXXX XXXX XXXX, which is a collection agency from XXXX at XXXX XXXX. XXXX at XXXXXXXX XXXX agreed to have the account removed from my credit report if I pay the balance. I PAID THE BALANCE yet it is still there. I sent them a letter in regards to the matter ( which I attached ) and they responded that they sent a request to the credit bureaus to get the account removed yet it is still there. After speaking to an employee they advised for me to contact the bureaus. I have sent out many letters and the account is still there. 

- I have an account from XXXX XXXX  which is a collection agency from XXXX XXXX. Same as the issue above. An agreement was made! There is no reason that these items are still on my credit.
Consumer complaint received 2023-02-25
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. (GA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-10-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (IN)

I was informed by my brother that Midland Credit Management had called his employer seeking information regarding my debt. To my knowledge, I have not received any phone calls or voicemails from this company to this date and have had the same phone number for at least a decade. They asked my brother several questions trying to get more of my information including what vehicles I owned, and had information that didn't even pertain to me. They somehow associated my brother 's vehicle as being mine ( insinuating that they'd potentially pursue a lein, etc. ) even though we have no financial connections whatsoever, and had additional information I'm certain was not provided to the original company I had debt with, which is immensely concerning in regards to violation of privacy, especially given the amount of debt they claim I owe ( < {$500.00} ). They also read out the information they had to him despite not verifying his identity first. I immediately called them at the number they gave him and have asked them to provide written proof along with ceasing contact of any phone numbers associated with the account they have, but after reading the experiences of others with this company ( MCM ), I'm concerned that they will continue contacting my family and potentially cause issues with their employer ( as well as my own ). I understand they are attempting to collect a debt, but given that I had not been contacted prior to today, I find this to be grossly inappropriate and extreme on their part.
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CA)

Ive never been late for my best buy credit card citi bank, I just got out of a relationship and I was in the transition of getting a new job, and im struggling I just recently graduated and taking care of my kid on my own. I will pay all the balances on my card in full. I need to make sure the one time late payment will not affect my credit score. I will pay this card in full, I paid this card on time every month this is the first time Im really late. Please remove it off my credit report. This will be paid in full.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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.

has violated my rights. Or a list of inquiries : 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 2023-04-18
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: Self Financial Inc. (NC)

I am writing this complaint to Self/Lead Bank. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Equifax, refuses to delete inaccurate information. They are reporting a fraudulent account in XXXX XXXX XXXX this account was deleted from transunion and XXXX because it was fraudulent. XXXX XXXX XXXX is showing XXXX POTENTIALLY NEGATIVE MONTHS which is a clear violation of my consumer rights. this account should be delete asap. in addition, all accounts are showing multiple infractions as far as reporting false information like latenesses.
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have reached the maturity date with Capital One Auto Loan only to realize that I will have to pay another uear to get my title. I would like to settle this matter with a o time payment but they refuse to negotiate. I cant afford to make anymore payments.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 inructions 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 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (TX)

Our principal balance on this loan was down to just {$340.00}, so I sent our regular payment of {$650.00} on XX/XX/2023. They SENT BACK our payment in two separate checks by the end of XXXX! We have been disputing their claim of {$1900.00} in fees owed since XXXX of this year, and so far, they've only sent proof of 14 total late fees, which amounted to {$290.00}. Therefore, the {$650.00} we sent on XX/XX/XXXX should have paid off the loan completely! Instead, they sent back our money and kept saying we were late on our statements- and would not accept our monthly payments in XXXX, XXXX, or XXXX! Now, they have DESTROYED our credit by reporting us 30, 60, and 90 days late ; and if that wasn't diabolical and evil enough, they're also threatening to FORECLOSE on a house that we've paid faithfully on for 20 YEARS, and only owe {$340.00} on in principle!! It's unfathomable and downright dirty. They haven't produced PROOF that we owe {$1700.00} in fees ( because we don't ) or {$200.00} for a home inspection, and therefore, those fees should be waived. We have requested that proof IN WRITING for ELEVEN MONTHS, and requested those unsubstantiated fees be waived for ELEVEN MONTHS after they could NOT provide proof that we owe them. 
We TRIED AGAIN to make our payment in XXXX, XXXX, and XXXX, both online and over the phone, but they wouldn't accept our payment. I called MULTIPLE TIMES to try to get this resolved, but their " customer service '' people were always extremely RUDE and CONDESCENDING, and gave me NO OPTIONS, except to pay {$2700.00}, when we only owe {$650.00}! In the meantime, they keep adding late fees and interest, and now the unscrupulous company says we owe {$2800.00}, plus interest until the day we pay it off. Even if we did agree with the astronomical late fees, which we DON'T, we should have been able to pay our REGULAR MONTHLY PAYMENT of {$650.00} until it was paid off. At this time, making a payment FOUR TIMES our regular payment is not feasible, due to many circumstances. However, they told us we had NO OTHER OPTIONS, while STILL NOT PROVIDING PROOF that we owe the extra {$1900.00} in fees! We're not only devastated that they're trying to steal our house after we've paid tens of thousands in interest over the past 20 years, but we're also furious that the reckless and corrupt company has RUINED OUR CREDIT, after we've worked hard for so many years to make it great! If they would have provided proof that we owed the fees ( after MANY requests ) and just accepted our XXXX XXXX  monthly payment as usual, it would be paid off right now!! Instead, they DESTROYED OUR GOOD CREDIT, would NOT accept our payments, and continue to charge us interest and fees!! It's absolutely unacceptable, unscrupulous, and un-American! PLEASE HELP!
Consumer complaint received 2023-10-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (CA)

I have received numerous calls from aggressive people calling about a debt since I don't believe I owe this debt I asked for documentation and all information to be sent in writing. After I firmly told them this they stopped calling but it is on my credit report. 

As I left the apartment due to an infestation that the apartment agreed to waive the termination fee and to let me out of my lease for which I have documentation of I do not believe I owe this debt. 

This company refuses to supply the necessary written proof of any owed debt.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MN)

Experian credit reporting company lowered my credit score XXXX points because I used my credit. Note that I was still above XXXX but I do not think their algorithm is accurate for lowering my score. I have a few credit cards and I never have paid any interest as the CC companies automatically take the full balance due every month. I think that Experian should know this as I have done this my whole life! My CC limit was $ XXXX and I charged $ XXXX for my wifes funeral home expenses ( I just used the card to get 1.5 % cash back ). It could have been a trip or anything, but if you use more than like 30 % of your CC limit they will lower your score! I just don't think it is right that for 1 month of being higher credit usage your score should be lowered immediately when you pay in full every month. I am not planning on taking out loans, but I know your credit score is used by insurance companies for pricing policies. There should be more accountability put on the Credit Reporting agencies in cases like this to use a persons CC usage history for raising or lowering your score.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}. I believe it was reported in error.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

There was an unauthorized {$1000.00} charge on my account XX/XX/23, and I filed a claim with Wells Fargo. They told me it would take up to 10 business days to help me look into it or would credit my account back {$1000.00}. Wells Fargo did not even bother to contact me back within those 10 business days, and I had to follow up regarding this transaction only to tell me they could not do ANYTHING about it or offer me a solution and credit me my amount back like they said they would. Now I have to file a claim with CFPB to get help because my Bank would not even bother finding a solution to my problem. I've been with them for over 10 years, and this is how they treat their loyal customers.