davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
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)

A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " XXXX XXXX '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted XXXX XXXX they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down XXXX  points and this has caused damage to my family as we were financing our home and now we can't.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I have been reported to owe a debt to XXXX  XXXX XXXX. It is reported to my Experian credit report. I have tried contacting the creditor and provided my social security number and yet they do not have any information. I did not open the account and have been given no evidence of the debt.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-01-21
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: PNC Bank N.A. (DE)

I purchased 2 sets of 3-piece luggage from XXXX for a total of {$410.00} ( {$200.00} each ). One was delivered on XX/XX/2020, the other was never delivered. The XXXX tracking information for the missing item confirms that it was never delivered. I contacted XXXX on XX/XX/2020 and they refused to provide any assistance. I attempted to resolve with XXXX on XX/XX/2020 and they refused to assist. So I filed my dispute with PNC Bank against the charge to my debit card. I filed it on XX/XX/2020 through their online banking submission form. I provided them with the dates and tracking information confirming that the merchandise was not received. Their online system did not allow me to select the partial amount of {$200.00} so the claim was submitted for the full amount of {$410.00} and I included an explanation in the body of the form that I was only disputing {$200.00}. I received a credit for {$410.00} to my account several days later. Two weeks after that, I received a letter in the mail asking for all the same information I already provided. This letter also stated very clearly that if I did not fill it out and return it, they would use the information I have already provided. Having already provided every detail they could need, I did not return the letter. As a result, my claim was denied and my account was charged the {$410.00} again. When I contacted PNC to re-open the claim, they advised they would re-send the letter and to fill it out and return it. I received no repeat letter. Instead, 30 days after I reactivated my dispute, I received another letter denying my claim. When I called and escalated the dispute to a manager, the only explanation I was provided was that because I did not sign and return the letter, they closed my claim. Even when I explained that their own letter included the statement that they would use the information I already provided, the " manager '' simply repeated himself over and over. It was at that time I realized they would be no help in protecting me and my financial interests. So I informed them at that time I would be filing a complaint with the CFPB and that I wanted it on record that I was filing said complaint because of the misinformation they provided on their own paperwork. I am aware of the requirements for a valid Visa dispute code XXXX for non-receipt of merchandise. I contacted my bank well within the required timeframes and provided them with all of the required information to file a valid dispute against XXXX and pursue a chargeback against which the merchant had no valid argument. I believe that the only reason PNC did not pursue my claim is that they did not take action promptly enough to be able to file the claim within the dispute timeframes to recover the funds from XXXX.
Consumer complaint received 2021-01-20
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. (FL)

I am filing this complaint because the bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

1. The following inquiry was made without my knowledge or consent XXXX/XXXX  Date of inquiry : XX/XX/XXXX 2. The following inquiry was made without my knowledge or consent XXXX  Date of inquiry : XX/XX/XXXX 3. The following inquiry was made without my knowledge or consent XXXX Date of inquiry : XX/XX/XXXX 4. The following inquiry was made without my knowledge or consent XXXX XXXX  Date of inquiry : XX/XX/XXXX 5. Validate Account XXXXXXXX XXXX Account Number : XXXXXXXXXXXXX**** You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately. 

6. Validate Account XXXX Account Number : XXXX You have failed to verify and validate all data for this account every notation signatures dates and balances whether reported or not. If you have no proof of any one I would like it removed immediately.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This agency is violating my rights as a Federally Protected Consumer, according to the Fair Credit Reporting Act 15 usc 1681 ( a ) ( 4 ) ( b ) As I have a right to the pursuit to Life, Liberty and Happiness, Equifax is disruptive in my life, Also have Traffic my Personal Identifying Information without written consent, Also Affiant has a right to privacy according to 15 usc 1602
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc. (IL)

This following scam information was sent to me by text ( XXXX ) XXXX again on my phone in this order and reported previously to FTC : PLEASE REVIEW THE BELOW FOR INSTRUCTIONS TO ACCESS YOUR SECURE COMMUNICATION, XXXX : XXXX? XXXX. REPLY STOP TO END************************************** This private message is from State Collection Service , Inc. ( " SCSI '' ) a debt collector. Please review the contents of this message and any attachment ( s ) in private so that other people may not view it. The attached message is encrypted. To open your encrypted message : 1 ) Double click on the secure PDF attachment. 2 ) When prompted for a password, please enter your current 5-digit zip code to open your encrypted message. 
This is a post-only communication from SCSI. Please only respond to this communication with " STOP '' if you do not wish to receive communication via text message from SCSI in the future. If you have questions or concerns regarding this communication or if you experience trouble opening the attached document, please call ( XXXX XXXX XXXX. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. Sincerely, State Collection Service , Inc . 

I do not know who this scam company is. I do not have a bill with them. I have received this message 3 times before and sent them a text message to stop sending me texts and they refused. I blocked this number in the past and they got back in.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

First of all I call the help line to do this complaint and was told it was after hours and it is only XXXX XXXX on a Wednesday. I have been having problems with my escrow for a year ever since I got a lower home owner 's policy. I was told over and over even though my ins. Went down {$500.00} to {$600.00} I still owed a deficit of more than {$400.00}. Which after calling them over and over I paid. Than I was told I would be called when the decrease in my payment took place which they didnt do so I waited to pay my payment. Now I am being told that the late fee that has happen due to me waiting is valid bc they posted it on the website and sent a letter that I never got. I want my loan sold to a different company that cares about it customers XXXX XXXX  tells me they cant do this but why they sold it to them without my consent. This was not my fault and I should not be penalized for them not doing there job. I pay my mortgage by the XXXX u can look at my loan account to see that. I am a good customer but this I bull. I feel that as a consumer i have not rights. Mr. Cooper only cares about money and i am tired of being taken advantage of by this company.
Consumer complaint received 2022-11-01
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To Whom it may concern Under 15 U.S. Code 168b- Permissable purposes of consumer reports ( 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. 

XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity Theft. A copy of this law is attached with this dispute correspondence. This firm continues to break public statutes with the blatant disregard for the confines of the law. 

Concerning the account listed below as a consumer I am demanding a deletion of this account. 

XXXX XXXX XXXX XXXX XXXX ACCT : XXXX
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

After my mortgage was changed to a new servicer, NewRez ( also Shellpoint Mortgage ) the new servicer raised their fees to an excessive degree. While certain fees went from {$0.00} to {$100.00}, others went from {$0.00} to {$2000.00} and in the most extreme case a fee went from {$30.00} to {$35000.00}. As someone who never chose to do business with this company, these fee changes are a way to hold customers hostage, especially as some that were XXXX, are now required when paying off your loan as are other activities related to refinance and ending your relationship with this loan servicer.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2020 i sent letters to XXXX, Transunion and XXXX to remove unauthorized accounts on my credit report that has been hurting my ability to move forward with my life. No investigation as been started to this day. 

1=Collection Bureau 2=XXXX XXXX XXXX 3=XXXX 3=XXXX XXXX XXXX It been over 30 days and now response form any of the credit bureaus on this matter. I need some kind of investigation done. Due to the Fair Reporting Credit Act if any investigation is not completed in 30 day but the credit bureaus all accounts in question must be deleted from that person report immediately.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (TX)

Received a debt collection notice on XX/XX/XXXX. I responded requesting verification of this debt by certified mail. SRM received the dispute on XX/XX/XXXX. Attached is USPS tracking XXXX. 

No response until XX/XX/XXXX. Letter is dated for XX/XX/XXXX. This is 47 days outside of the FDCPA section 809.15 USC 1692g. I clearly in my first letter requested proof of the amount that XXXX claims I owe and was sent back a contract with no verification of what exactly I owe and what for? I currently use XXXX and service with them and have no outstanding debt owed. 

I received a phone call at XXXX XXXX central time zone on XX/XX/XXXX. This call came from SRM claiming I owe a debt. I again asked for clear verification how I owe {$260.00} and the lady on the phone refused to clarify that debt claimed I owe. I called back and spoke with XXXX at XXXX XXXX  on XX/XX/XXXX and she hung up on me after I told XXXX that their response was past the 30 days under FDCPA. I also tried to explain I need better clarification of the debt. Please see evidence attached to this complaint. 

This debt is false and misleading.
Consumer complaint received 2022-11-01
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2021-01-20
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: Bread Financial Holdings, Inc. (MD)

I consumer XXXX XXXX, natural person entered into a consumer credit transaction with Commenity Bank/Victoria Secret. A consumer credit transaction is a transaction which a finance charge is involved, pursuant to 15 usc 1605, a finance charge is the sum of all charges in a consumer credit transaction. Because of this, I was not expecting a bill, Commenity Bank/Victoria 's Secret continues to send me a bill which is a violation of 15 USC 1692 B as it relates to my privacy rights. Commenity Bank/ Victoria 's Secret has caused me grave emotional distress before and during COVID and this is also harassment pursuant to 15 USC 1692 D.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NJ)

XX/XX/XXXX : XXXX pulled my credit report ( hard pull/inquiry ) XX/XX/XXXX : I notified XXXX they did this erroneously and someone was trying to access my credit. I had no idea who did so. They required me to submit multiple things, such as my SSN, license, and utility bills, to even continue the investigation. 
XX/XX/XXXX : XXXX sold the debt to a creditor, SEQUIUM, who placed a collection on my report. 
XX/XX/XXXX : I reached out to XXXX to inform them of the issue. They required me to submit SSN, license, utility bills and said they were opening fraud investigation. 
XX/XX/XXXX : I also dispute the account with XXXX, XXXX, and XXXX. 
XX/XX/XXXX-XX/XX/XXXX, XXXX : I reach out multiple times for an update with XXXX. They give me no updates. 
XX/XX/XXXX : XXXX  tells me the dispute is completed and the debt is mine. I reopen the dispute. 
XX/XX/XXXX : I speak to XXXX  and they tell me they will not remove it from my report unless XXXX and SEQUIUM also agree it is fraud. 
XX/XX/XXXX : I contact you.
Consumer complaint received 2021-01-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlantic Recovery Solutions LLC (AL)

A collection agency is calling my work from the 2 below numbers and threatening me with contacting my employers. All my calls coming in and going are on a recorded line that my employers keeps. I've asked them several time to not call my work but they continue. My employer does not allow these calls and I can be fired. I've expressed this to them but they continue to call. The collection agency is saying it's a XXXX Credit Card and below are the 2 numbers they are calling me from. I need my job and I need them to stop calling my work. Please help as times are hard and money is short. I'm doing my best to hold on to my job as I know I'm blessed to have one during these hard times. 
Calling from the below numbers XXXX XXXX Last week ( XX/XX/2021 - XX/XX/2021 ) I received a call and asked them not to call my work and they said fine we'll call your employers and hung up. 

Today XX/XX/2021 - Received a call at XXXX and again asked them not to call my work. 

I'm not sure how to stop them but happy I got the call and not my coworkers.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX with Equifax. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( 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. XXXX XXXX XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax, and XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 
Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer 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. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.