davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (MI)

I paid the company off back in XXXX XXXX XXXX I contacted the company to try to resolve the issue the customer service agent told me I still owed the money because I had missed a payment because they sent the check back because it was misspelled. I stated there is now way I owe you over {$900.00} for missing 1 payment and you also would not have waited 6 months to try to collect you money if i still owed you. They are still taking money out of my account. They have taken over {$150.00} plus overdrafts fees I paid the balance off from the information. I got the payoff amount from their customer service agent. They waited 6 months to start taking money out of my account again.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (SC)

1. XXXX weeks ago, I received a credit alert stating that I was XXXX  days late on a payment to self.com ( the agency that filed this does business under the name XXXX XXXX XXXX  ). 

2. XXXX identifies itself as a credit builder or entity designed to boost one 's credit score based on paying one 's apartment rent. I do not have an apartment.

3. I have completed an exhaustive review of all digital searches, visits, and emails from Self.com.

4. There is a document that I allegedly signed ( digitally ) on XXXX XX/XX/year> stating that I had received or would receive a check for ~ $ {$700.00} and that I would pay this debt within two years.

5. I have never received any money from Self.com because I never requested any of their services.

6. My first interaction with Self.com occurred on XXXX XX/XX/year>, and it was initiated based on an advertisement for their credit building services ( apartment rent ). Because the advertisement was obtuse, I visited the site and found their services irrelevant to me because I do not have an apartment. 

7. I find it disturbing that an agency would report late payments on an account that does not exist in my universe ; the agency never mailed, called, emailed, or texted me about any adverse credit reporting they had sent to the three major credit reporting companies.

8. I first learned about the harmful and fictitious reports when my subscription to a credit monitoring company sent me an alert in XXXX 2024. 

9. For the sake of clarity, Self.com shows a contract dated XXXX XX/XX/year>. My first exposure to their company was on XXXX XX/XX/year>, yet somehow, they managed to successfully, and with malicious intent, file a XXXX late report. 

7. Self.com 's fictitious and harmful report dropped my credit score by XXXX points.
Consumer complaint received 2023-10-03
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. (TX)

XXXX, XXXX and Equfiax are reporting multiple adverse accounts on my credit report without any verification and consent, In which is infringing on my right to privacy pursuant to the Privacy Act of 1974. 

The account named XXXX XXXX XXXX, Account Number : XXXX, is adversely reporting inaccurate information. Such account contains an alleged debt in the amount of {$1500.00}. Such debt being reported is an alleged debt, I do owe any amount of such alleged debt. 

In addition, The credit reporting agencies are also adversely reporting account name XXXX XXXX XXXX XXXX Account number : XXXX. Such account is illegally reporting private student education records between me, the Consumer and XXXX XXXX XXXX XXXX. The account was paid in full, closed as of XX/XX/XXXX and has been for the last five years. Such account contains private transactional history and other private information. The information being furnished is completely inaccurate, infringing upon my right to privacy and is in violation of the federally enacted law Family Educational Rights and Privacy Act of 1974. ( 20 USC 1232g ) I have the right to make sure my private information isn't shared and that the information being furnished on my credit file is 100 % accurate and does not damage, impact, or destroy my character, reputation and livelihood.

15 U.S. Code 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the Consumer reporting agencies Equifax, XXXX, and XXXX  do not have my consent to furnish this information and they surely do not have my written consent. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

Equifax, XXXX and XXXX are not maintaining reasonable procedures. Their failure to do so has caused severe damage to my personal and household financial stability and mode of living due to the misleading, inaccurate and adverse information being reported on my credit report. 

If such items are found to be inaccurate and/or can not be verified by the original signed consumer contract within 30 days of receiving this notice pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) such items must be deleted from my file.
Consumer complaint received 2023-10-03
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. (TX)

XXXX, Transunion and XXXX are reporting multiple adverse accounts on my credit report without any verification and consent, In which is infringing on my right to privacy pursuant to the Privacy Act of 1974. 

The account named XXXX XXXX XXXX, Account Number : XXXX, is adversely reporting inaccurate information. Such account contains an alleged debt in the amount of {$1500.00}. Such debt being reported is an alleged debt, I do owe any amount of such alleged debt. 

In addition, The credit reporting agencies are also adversely reporting account name XXXX XXXX XXXX XXXX Account number : XXXX. Such account is illegally reporting private student education records between me, the Consumer and XXXX XXXX XXXX XXXX. The account was paid in full, closed as of XX/XX/XXXX and has been for the last five years. Such account contains private transactional history and other private information. The information being furnished is completely inaccurate, infringing upon my right to privacy and is in violation of the federally enacted law Family Educational Rights and Privacy Act of 1974. ( 20 USC 1232g ) I have the right to make sure my private information isn't shared and that the information being furnished on my credit file is 100 % accurate and does not damage, impact, or destroy my character, reputation and livelihood.

15 U.S. Code 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the Consumer reporting agencies XXXX, XXXX, and transunion do not have my consent to furnish this information and they surely do not have my written consent. 

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX, XXXX and Transunion are not maintaining reasonable procedures. Their failure to do so has caused severe damage to my personal and household financial stability and mode of living due to the misleading, inaccurate and adverse information being reported on my credit report.

If such items are found to be inaccurate and/or can not be verified by the original signed consumer contract within 30 days of receiving this notice pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) such items must be deleted from my file.
Consumer complaint received 2024-05-09
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Freedom Mortgage Company (WY)

I am applying for a new mortgage and used XXXX to compare. XXXXXXXX XXXXl had the best rates. After working through the process with them they are simply a loan broker, being paid a {$4000.00} fee to do a loan through Freedom mortgage. This fee appears to be above industry standard. While reviewing the loan disclosures, Freedom 's disclosure that goes along with the XXXX has no limitation to scope or time. They can pull any tax records " in perpetuity ''. I asked them to limit the scope to applying to this mortgage specifically and limit the time frame. They said no and the form is a GOV document. I said it was not a GOV document it was a lender doc that accompanies the GOV form XXXX. They argued back and forth and ultimately said sign it or the loan won't close. 

The loan officer at XXXX financial also changed my application figures to " make the process easier '', one example was " grossing up '' my VA benefits and removing two other sources of income, despite my asking for it to be documented accurately multiple times. He said this change was made because the lender allowed him to, and they would not change my numbers to accurately reflect my income- though I have to attest to their accuracy. 

I have since read about the CFPB fine against Freedom in 2023, among multiple other bad reviews, and losing their XXXX XXXX. I have cancelled that loan, but I want to make sure other consumers are protected. 

Additionally, XXXX will not let you opt out of " For our marketing purposes- to offer our products and services to you ''
Consumer complaint received 2023-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (TX)

XXXXXXXX XXXX XXXX I opened an account in XXXX XXXX  closed XXXX account in XX/XX/XXXX. I have no knowledge of this loan. I either want physical proof or it removed from my credit bureaus.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX I sent a letter to Transunion on XXXX accounts on my credit report and they did not get in touch with me until XX/XX/XXXX. The accounts are still not correct and do not match the other XXXX reporting agencies. They are reporting past due when the account has been closed since XXXX and the last payments and last activity dates are all inconsistent across all reporting agencies. I have sent them proof of the errors and they have not resolved the issue,
Consumer complaint received 2022-12-08
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. (TX)

FCRA violations : accounts are not mine XXXXXXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$17000.00} Status Account charged off. {$17000.00} written off. {$17000.00} past due as of XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2.00} FCRA violations : not my addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

On XX/XX/2024 a consolidtion expired, yesterday and I would have been able to get my loans cancelled. Navient did not notify me of this and therefeore I missed the deadline. 

I do not understand the purpose of having a deadline on something that is designed to help people. Can we have a deadline on helping sick people at the hospital please? It does not make sense to have a deadline on a program that is '' designed '' to help people who are struggling. 

I want my loans to be removed from Navient and placed with the department of educ ation. They are intentionally withholding information about loan cancellation, consolidation that can help me.
Consumer complaint received 2023-10-04
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. (NC)

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 2024-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

I initiated an online transfer to occur on Friday XX/XX/2024. I did not see any notification after I completed the request online or receive any email notification over the weekend. Transfer is not visible under scheduled transfers or under the account details. I waited until Tuesday XX/XX/2024 and still didn't see any transfer activity in the account details or receive any email notification. Hence I thought I made a mistake thinking that I did not click the last submit transfer button. So, I initiated another transfer on Tuesday XX/XX/2024 for the same amount, from and to the same bank accounts. On Wednesday XX/XX/2024, it is still shown as pending with the words " Outgoing Credit ''. I called the customer service to find out what is going on with the transfer that I submitted on Tuesday XX/XX/2024 and spoke to someone name XXXX or XXXX. She was very courteous and told me that I have to wait XXXX to XXXX business days because the transfer is under review. I explained to her that I initiated a transfer last Friday, but wasn't sure whether I submitted that XXXX. She confirmed transfer on XX/XX/2024 was rejected, but couldn't tell me why it was rejected. So, I told her that I would like to understand the reason why the first transfer was rejected and I did not receive any notification and why the second transfer is also under review. She couldn't help me, so she escalated the issue to her supervisor. While she was doing that, I received an email from BMO Alto saying that the transfer on XX/XX/2024 was rejected in error and that I can submit another transfer. XXXX 's name is XXXX, he answered the phone in a very loud and rude manner, trying to intimidate me. He said an email was sent out on Saturday, that I didn't check my spam folder and asked me if I didn't receive any notification, why did I initiate another transfer for the same amount. He didn't want to listen and understand exactly what happened, instead he was just talking over me and being extremely rude. If he can't be patient and answer questions in a calm, professional manner, then he shouldn't be in the customer service profession or be in a supervisory role. I asked for his full name, but he doesn't want to provide it. He told me that there's nothing else that he can do help and was going to hang up the phone. 

I'd like to understand the BMO Alto 's process of selecting certain transactions to be under review. I'd like to understand why I'm not consistently receiving email notifications. I would like to see the transaction either under account details or somewhere else under transfer, showing that it was initiated and rejected. I'd like to understand why, we, as customers have to provide every detail asked of us, to get verified and the customer service supervisor can not even provide his last name. 

Thank you
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (OK)

I received message from XXXX XXXX concerning Conoco credit card  threatening to take action against if I didn't pay card is under name which is my married from divorce in XXXX my name I no longer use and my social security #  was used.the phone was XXXX, old phone #. Can not get any response online or by phone just say I have to pay.I have alerts at all credit agencies and am fixing to call bank I in no way am responsible for this credit card. retired drive a 20 year old car  that barely runs help pleay
Consumer complaint received 2023-07-05
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. (MI)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-05-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

I am not liable for this debt with ascent midtown, I do not have a contract with columbia debt recovery llc dba genesis, they did not provide me with the original contract as i requested.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (FL)

During the months of XXXX & XXXX of XXXX  CB Indigo Mastercard 's payment portal was not working properly. I tried to contact them via phone but there was no way to get a live person during this time and the recording referred me back to the website ( which wasn't working properly ). I submitted my payment multiple times after the website showed the payment as received then the next day showing it was due again, then late ( which it wouldn't have been had their system been working properly ). I've been a long time customer and never had a late payment on their card. This late notice due to their system errors should not be held against my credit.
Consumer complaint received 2023-09-12
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. (AZ)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-05-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

Dear Sir/Madam, I am writing to follow up on my previous letter dated XXXX, regarding the dispute of the debt being reported by your agency on my consumer report. As of today, I have not received any response or acknowledgment of my dispute from your agency. 

I would like to reiterate the urgency of this matter and emphasize the importance of complying with federal regulations regarding debt validation and consumer rights. It is imperative that your agency provides the requested validation information and proof of licensing and bonding within the allotted timeframe of 30 days, as outlined in my previous correspondence. 

Failure to respond to my dispute within the specified timeframe will leave me with no choice but to escalate this matter further to ensure my rights as a consumer are protected. This may include filing complaints with relevant regulatory authorities and pursuing legal action if necessary. 

I urge your agency to take this matter seriously and provide a prompt and thorough response to my dispute. Please acknowledge receipt of this letter and provide an estimated timeline for when I can expect to receive the requested information. 

Thank you for your attention to this matter. I look forward to resolving this dispute in a timely and amicable manner.