davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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. (AL)

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, 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 2023-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (KS)

XXXX bank specifically replied that zelle was to initiate fraud on the account # XXXX, for XXXX XXXX XXXX had you close my request for refund and issues with this matter stating to take it up with zelle. We did this and for the record zelle states that XXXX bank since it was an app through there bank needs to resolve my credit for XXXX. 
XXXX bank is impossible to deal with and reach. Constantly referred to department and department. 
No resolve to this issue and XXXX keeps passing the buck on resolution of this matter for over a year. 
There bank even referred this to check systems after I reported it. UNACCEPTABLE> Please help with resolution
Consumer complaint received 2018-03-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: American Collection Services, Inc. (OK, TX) (OK)

Company calls multiple times a day even after being told not to. 
Will not answer any questions about who they are. 
Will not validate the " supposed '' debt Caller has identified themselves as either XXXX XXXX or XXXX XXXX. 

Phone number lookup identifies the company as American Collection Services. However, no one who calls will tell me the name of their company.
Consumer complaint received 2022-12-22
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. (MS)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-31
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: DISCOVER BANK (VA)

In accordance with the fair Credit Reporting Act, Discover  has violated my rights. 15 USC 1681 Section 602 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. Additionally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

XXXX XX/XX/XXXX, I contacted Specialized Loan Services and requested financial assistance. The representative that I spoke to, told me that I could apply for a forbearance. I asked the representative to apply for it for me and I was told that I will get it. I went on with Life as usual and was not afraid to miss payments because I had the foreclosure. 

XXXX XX/XX/XXXX, I called Specialized Loan Services to ask a question and found out that my request for a forbearance was denied. I never received any correspondence confirming this. I was told that I had XXXX previously and would not be eligible for another one. This put me in a financial hardship because I was paying for vehicle repairs as well as appliances since most of them died on me and I missed payments to my mortgage. 

XX/XX/XXXX, I applied for a loan modification with SLS and because I received paperwork namely a XXXX document, I sought out financial counseling services to halt the foreclosure process. In the meanwhile, I was denied a loan modification because they could not go any lower but they approved me to do a short sale. When I contacted SLS, I was told that there arent any options left for me. To date my home owners insurance has decided not to renew as Id XX/XX/XXXX because of this very foreclosure.
Consumer complaint received 2023-05-31
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: DISCOVER BANK (AL)

in accordance with the fair credit reporting act XXXX  XXXX  account number ending in XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : FXXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX 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 2023-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

In XX/XX/XXXX, I submitted the first  of XXXX loan modification applications to SLS, only to have each one denied for reasons that were not true. In XX/XX/XXXX and XX/XX/XXXX, following the loss of a job, I submitted what would be the first  of loan modification application packages only to have both of them denied for " incomplete documentation '' even though I included all of the requested documentation that SLS had asked for. In XX/XX/XXXX, I submitted a third loan modification application package tp SLS only to have it be denied for " insufficient income '' even though I submitted more than enough income as both my husband and I can afford the payment on a modified mortgage loan. In XX/XX/XXXX, SLS sent a foreclosure letter to me but not to my husband, even though he co-owns the property with me. In failing to send my husband a copy, SLS violated Section 14 of Chapter 244 of Massachusetts General Laws. Our foreclosure is schedule for XX/XX/XXXX. We need SLS to stop the foreclosure so we can apply for a loan modification with both of our incomes. We feel that SLS is trying to enrich itself with the home equity that we have worked hard to build in our home. Please contact SLS stop the foreclosure on XX/XX/XXXX as we want to keep our home and re-apply for a loan modification. We have no place to go if we lose our home and our family will be forever displaced and homeless as we can not rent due to our credit being harmed. Please help us.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened an account with Bank Of America with a promise that my account would be free, as a student. After furnishing the required information, the bank charged me a maintenance fee. 

I mentioned the fee to a teller who was unwilling to help. I then asked to withdraw my funds and the teller refused.
Consumer complaint received 2024-03-29
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. (AZ)

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 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 2023-05-31
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: DISCOVER BANK (TX)

Discover XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX You are in Direct Violation of The Fair Credit Reporting Act Discover it Credit Card # XXXX, has violated several of my rights. 

15 U.S.C 1681 section 802. A. Clearty states that I have the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish an account without my written instructions U.S.C 16608 : A creditor may not treat a payment on a credit card account open-end consumer credit plan as late for any purpose. 

Ramove these late payment and update this account immediately as you are in died violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

My file has been handled by a the Equifax consumer affairs department since XXXX. When it was first placed there I inquired as to why and how long it would remain there. I was told that it was for my protection and it would remain there indefinitely. That could be from a week to years, they could n't be sure. So I waited thinking this would be an added since of protection. Well it has been 6 + years and it has been worse than being a victim of fraud. They have taken my legal right to monitor my credit report with Equifax from me. This department is very nasty and unprofessional. They do n't have set hours. In fact, when I called in today at XXXX am, I was told that they were closed. When I inquired as to the hours of operation I was told that they did n't have set hours of operation by a representative by the name of XXXX. What kind of company does business like this? I now have to wait for them to call me back one day this week to address my credit file listed with Equifax. How is this legal? I have resolved all issues with both XXXX and XXXX XXXX without these types of problems. I should be able to access my credit report. It 's my right to. Furthermore, I have received notice from several creditors stating that they have investigated the fraudulent accounts and the resolution was in my favor, so they requested that all XXXX bureaus remove the accounts from my report. Yet Equifax, for years, has claimed to have verified these accounts. How is this possible? Also, in response to my complaint against them earlier this year, they stated that they needed verification on my identity to provide me with access to my credit file. The funny thing is that I have provided that information several times over! Yes they have sent me a copy of the inaccurate report but have been of no assistance in me addressing those inaccuracies and correcting my report and its reflected history. I am requesting that my file be released from this department as they have proven to be nothing more that an inconvenience and problem for me. It is my right to request this! I am including in this complaint a copy of my driver 's license, my social security card, a current utility bill as proof of address, a notarized copy of my FTC Identity Theft Affidavit, a copy of my police report as well as a few letters from some creditors stating that they asked for accounts to be removed. Please help me close this ugly chapter of my life and move on! I need resolution and to end the mishandling on my file with Equifax. It 's been far too long!
Consumer complaint received 2023-06-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (TX)

Since my previous complaint has been closed by both you and Klarna, I suppose I need to open a new complaint regarding my 2nd account with Klarna. 

I just sent an email with this message to Klarna.. I have not received the XXXX monthly statement for XXXXXXXX XXXX  payment so far. it has NEVER been this late before, I have ALWAYS received it on the 2nd of the month. Seems like you are st Ill jerking me around. When can I expect my XXXX monthly statement for XXXXXXXX XXXX While the original complaint seems to be answered, now I have a complaint related to my other payment account
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- XXXXXXXX XXXX # XXXX - XXXX XXXX # XXXX - XXXX XXXX XXXX  # XXXX - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and Your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, Your company reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive.

15 U.S. Code 1681b - Permissible 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 I never gave Your company any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 

XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KS)

Zelle let a fraud company XXXX my bank account of XXXX. XXXX. My bank refuses to take care of the zelle and continues to XXXX this issue. 
Zelle processed 3 fraudulent checks into my bank at XXXX account XXXX. 
Please note my Social is XXXX Address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  NO Response from Zelle in over 1 year repeatedly emailed complaint to there fraud department. 
My bank has reported this as fraud but instead of putting this on the fraud person they closed my bank account and I am out XXXX which is a real insult for someone who works hard and tries to do things right.
Consumer complaint received 2018-03-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

I was laid off work in XX/XX/XXXX. Indiana housing and urban development helped me with my mortgage payments until I returned to work in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX. would have me pay my mortgage payments into an account they called a shadow account. After I would make my payments I would have to call XXXX XXXX at there main office in XXXX XXXX, IN and she would transfer the money from the shadow account to pay my mortgage payment. In XX/XX/XXXX XXXX XXXX XXXX. filed a lawsuit against me for foreclosure and accelerated my mortgage. I was not behind on my payments at that time. When a mortgage is accelerated that makes all payments due at that time. Which means no more monthly payments due. I was not aware of this lawsuit until XX/XX/XXXX when I was advised by Indiana housing and Urban development to call the XXXX XXXX County Court House to schedule a settlement hearing. The court clerk informed me that XXXX XXXX XXXX. had already recieved a default judgement against me and scheduled a sheriff sale of my property. 
I was never notified by the court or served any papers because XXXX XXXX XXXX. used the wrong address for my home. 
I was not behind on my mortgage payments. They were not applying them properly out of the shadow account. XXXX XXXX XXXX. Filed an amended complaint for foreclosure after they had already accelerated my payments making it impossible to be late on a payment after XX/XX/XXXX. In there XX/XX/XXXX amended complaint it says, XXXX had not made a payment since XX/XX/XXXX. This statement is impossible since they had accelerated my mortgage. 
Going back to XX/XX/XXXX. XXXX XXXX XXXX. has reported on my credit report that it transferred my account to a different office. My credit report shows that it was transferred to a different account. My credit report also shows that they were still making payments on my original account for all of XX/XX/XXXX and my new account was showing that I had made no payments. Because of XXXX XXXX XXXX. making these improper payments my credit history is horrible and I have now lost my home due to foreclosure. They had breached our contract when they started a new account and have stolen my home and securities. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (GA)

I contacted the leasing office at the apartment complex regarding flooding in my apartment that was due to their pressure washing service. They refused to pay for XXXX  of dollars of damage, which resulted in a loss of clothes and shoes for my clothing boutique. Because I involved my attorneys, the collection agency ( IQ Data ) assessed fines. The amount listed by the collection agency is not the amount that I was told that I owed. I made payments on the balance each month and was notified in XXXX that it had been sent to collections. 

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to fair debt collection practices and privacy and confidentially under 15 U.S.C Ch 41 Subchapter V 1692f ( IQ Data ). Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

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 an 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 words 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. Companies have been contacted regarding this matter.
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

Continued calls and letters about a debt that is not owed. Notified on a phone call in XXXX that this debt is not owed. Received letter dated XX/XX/14 that I owed debt. Called and notified that this debt is not owed.