davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I submitted a dispute to Equifax under the Fair Credit Reporting Act ( FCRA ) due to discrepancies in the reporting of account details. Specifically, I highlighted concerns regarding inconsistent information such as varying last activity dates, payment history, and account status across different credit agencies. Despite Equifax responding to the dispute, my primary concern regarding the accuracy and consistency of reported account details among different credit agencies remains unaddressed. Despite the company verifying a debt from XXXX XXXX, this verification alone falls short of resolving the discrepancies. This lack of resolution contradicts the obligations placed on consumer reporting agencies under Section 611 of the FCRA, which mandates a thorough reinvestigation to ensure both completeness and accuracy in consumer reports.
Consumer complaint received 2023-03-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc (TX)

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, 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 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 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 2021-08-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In XXXX I submitted 3 disputes requesting to have my 2 student loan serviced accounts with Department of Education re-submitted onto my credit file with all three credit bureaus with the correct balances but my request has not been completed to the satisfaction of my request ; they have refused to add the accounts to my report.
Consumer complaint received 2023-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I've asked Portfolio Recovery Associates , LLC numerous times to provide purchase and monthly statements. As of today, I have not received any statements, yet I receive continuous phone calls and receive letters stating that I owe {$2600.00} for an account with XXXX who is the merchant and the seller, XXXX XXXX. This account was opened in the Spring of XXXX and there has been no activity on the account since XXXX. I initially disputed charges that were placed on this account with XXXX. After several conversations with XXXX regarding charges, I never received copies of the charges and all communications ceased. Years later I began to receive constant daily phone calls from Portfolio Recovery letting me know that this was now on my credit report and would impact my credit if I didnt send them money. I requested again, monthly statements and informed Portfolio Recovery that I had requested such from XXXX, but never heard back. I requested Portfolio Recovery to provide the same documents to show that I owed what they were claiming. I have spoken to them so many times, I've lost count. This debt is over XXXX XXXX XXXX, but I still receive phone calls constantly and receive statements that provide the account number, the merchant name, the seller 's name and the balance and asking me to pay the balance or chose a savings plan. After years of requesting actual statements, and not receiving and disputing the balance, I am frustrated, and tired of the constant phone calls and letter. The letter also states on the backside " NOTICE we are required under state law ( what state? ) to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws. '' CALIFORNIA : License Number pending. '' There are no rights listed at all. It is as though I have no rights and they don't have to provide any information that I've requested since XXXX. I tried in good faith to solve this issue but Portfolio has never sent any of the documents that I have requested to show that I made certain purchases that I disputed with XXXX and with Portfolio Recovery. I refused to make any payments until such time I was provided the documents. Since this time, I've received nothing but constant harassment.
Consumer complaint received 2021-08-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (OH)

On XX/XX/XXXX XXXX XXXX had posted Lending Club had a loan for me 90 % approved at 11.97 % interest APR I filled out the application and came back and they said it would be 18.97 I think it was very misleading and dishonest
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (DC)

I used TransferWise services ( now called Wise XXXX in XXXX to transfer US XXXX to XXXX ( my home country ) and receive it in euros. I transferred over US {$100.00}. 

I intended to use Wise services on XX/XX/XXXX but they decided to block my account. I appealed the decision online providing pictures of myself and my US driving license. They came back on XX/XX/XXXX with an email saying the account will remain deactivated and that I lost all my personal data and information I had. 

I called Wise customer service ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and they said the decision was final and they could do nothing on their side. I offered sending additional information ( my ID, passport, personal picture, anything! ), but they said that was no longer possible. I suggested creating a new profiled but the customer agent said it is not possible to use the same US phone number linked to my original account as it had been banned from their system. 

I asked to make a claim, they said they filed it on their side and that she would pass the call with the complaint team but she hang up the call instead. 

I feel so frustrated because I can not even collect the historical transfer data I have in their system, which is really important to me and to my Bank in XXXX to demonstrate the transfers made. I can not use their services in a situation where I do need them, just because they chose not to, unilaterally, without any reason.
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/23 I received a fraudulent text and phone call from a spoofed phone number posing as Chase Bank. The person over the phone gained access to my account and also instructed me to wire money into an account which was labeled as a new account for myself. Thinking this was really Chase, I followed through - wiring over 12,000 dollars. Hours later my account was locked so I called Chase for myself to find out this was a scam. That same night, I reported the fraud. We are now at XX/XX/23 and there is no resolution. I have repeated the information to Chase several times now with no end in sight. Supposedly, a wire recall as been initiated but they have not given me an update. I just need my money back because I emptied my account that day. I have reported this to my local police department and the FBI as well.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc. (TX)

State collections in Wisconsin has added a medical collection debt to my credit report. This ill was paid 6 years ago. ai can not find my receipt but I know it was paid. The WisconsIn State Attorney office has stated that a medical bill in the state of wi that is over 6 years old has exceeded the statue of limitation of 6 years. According to state law this must be removed from my credit report. However, it continues to appear on my credit report. The collection agency refuses to remove it.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

i checked my credit report today XX/XX/2023 and when i seen my report i seen that there was a XXXX credit card opened and maxed out a card in my name XX/XX/XXXX XXXX i was not made aware and had no knowledge of this account until i got into my credit report and seen this derogatory remark of a closed account on my account i called them to get it removed now its been longer then 30 days seen i have seen any changes so now im taking it up with you guys to get this account removed off my report please help so i can be able to achieve the things that i want financially
Consumer complaint received 2021-08-01
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. (NY)

I spoke several times with reps from XXXX ; explaining there are several accounts on my credit report from XXXX that are inaccurate and some accounts do NOT belong to me. 

FCRA USC 6081 A under the exclusion section under the NUMBER B- anything that was extended or authorized from a credit card should be excluded from my consumer report that includes anything attached to my social security which falls under any " card '', plate or coupon book existing for the purposes of obtaining money, property or services on credit.

That is not limited to any physical credit card with retailers or corps which includes these inaccurate student school loans.

In addition under the Fair Credit reporting act 15 USC 1681A under exclusions section B where it is specified any extensions of credit or authorization form of a credit card or similar device. Under truth and lending 15 USC 1602- any card, plate, or coupon book or other device existing for the purpose of obtaining money, property, or labor or services on a credit I want all XXXX  accounts removed from all credit reports civilly liable for reporting this information and its inaccurate.
Consumer complaint received 2021-08-01
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: EQUIFAX, INC. (WI)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me.

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (KY)

Midland Credit calls my mother and leaves threatening messages on n the phone. They refuse to acknowledge that one of the bills were settled with the money order that was sent via certified mail to their company and threaten lawsuits and I told them to go ahead because they'd be paying me for violations of 15 USC 1681 and 1692. They try to collect for way more than is owed and this is an abusive practice.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Jefferson Capital Systems is sharing my nonpublic information with non affiliated third parties XXXX, XXXX AND XXXX. Jefferson Capital Systems does not have my consent to have or share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. they are in violation of multiple federal laws.
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

After making 3 trial payments of {$2300.00} on a mortgage modification to XXXX XXXX XXXX ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXX and after signing and submitting notarized paperwork, an additional non-trial payment of {$2400.00} made in XXXX XXXX, the loan service was transfered to from XXXX to Nationstar Mortgage ( dba Mr. Cooper ) in XXXX XXXX 

Mr. Cooper didn't honor the modification and we weren't allowed to make additional payments on the loan. 

In early XX/XX/XXXX, when we first contacted Mr.Cooper about this loan transfer delay, statements made to us, ( and documented ), by agents of Mr. Cooper, that were false and misleading, reassuring us no payment or penalties would be required or incurred due to the delay in the loan service transfer. 

Still unable to make payments, in mid XX/XX/XXXX we engaged with an attorney from XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) who after review, drafted Reg. X requests and notice of error letters, which were submitted via certified mail to Mr. Cooper and XXXX on XXXX 
Mr. Cooper and XXXX did not respond or comply with the request for documents related to our mortgage history and loan servicing. 

The XXXX attorney negotiated with attorneys for Mr. Cooper for 6+ months with no resolution other than an offer for us to pay all back payments ( XX/XX/XXXX thru XXXX XXXX ) in one lump sum ( over {$29000.00} ), in order to resume monthly payments. 

We are submitting this complaint becuase we believe Mr. Cooper and/or XXXX acted fraudulently are in noncompliance, pursuant to 12 C.F.R. Sections 1024.35 and 1024.36 of Regulation X of the Mortgage Servicing Act under the Real Estate Settlement Procedures Act, by not responding to our request for documents.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had accounts with Bank of America for over 25 years and for the most part have not had issues except with excessive overdraft fees. There are currently different policies for handling fees however, prior to these changes, I paid Bank of America thousands of dollars in daily overdraft fees. In trying to dispute these fees or request waiving some, I was extremely frustrated when I realized how the Banks own " processing '' system for transactions and deposits, would actually trigger the overdraft fees. Example 1 : Payroll direct deposit would post the same day as a check written or auto-withdrawal transaction. Instead of posting my deposit first, the bank would post every withdrawal transaction FIRST before posting the deposit causing each withdrawal transaction to generate a separate overdraft fee.

Example 2 : When processing daily transactions/checks written from my account, the bank would often process the larger amount FIRST, triggering Insufficient funds and overdraft fees for each of the numerous smaller checks/transactions for that day. So instead of processing 10 small transactions on a day and charge one ( 1 ) overdraft fee, the bank would process the larger amount and charge me separate overdraft fees for each of the 10 small transactions.

I have gone back-and-forth with Bank of America over the years about the fees. At times they waived SOME of the numerous fees but their solution to avoid fees was to link my account to my BofA credit card. Unfortunately though this resolved the overdraft issue, I would be charged more/higher rate on my credit card because this transaction was considered a Cash Advance. I honestly have remained with Bank of America all these years because of accessibility, international availability and feeling that they have been the lesser of two evils, as my other account was with XXXX XXXX.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My nephew graduated in XXXX from XXXX XXXX, XXXX Graduation set for XX/XX/XXXX so we had to pay {$210.00} on XX/XX/XXXX for cap and gown, venue, and picture. 
The school postponed ceremony to XX/XX/XXXX My airline flight non refundable was scheduled for XX/XX/XXXX My XXXX expires in XXXX on XX/XX/XXXX Thus I need to leave and not attend ceremony Assumption asked me to contact credit card and get chargeback as Admin is out of office ( due to Covid ), all next semester on XXXX
Consumer complaint received 2021-08-19
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. (NJ)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. 

Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter.

Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked.

I have listed the items on the document attached.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

Discover financial sold the alleged debt to radius global and I did not authorize it. I was not made aware if this identity theft that took place. Discover responded back with bills which is not validation. XXXX has removed this account so Discover needs to follow suit. They have harmed me while reporting g this account and I will sue them in federal court for damages.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST PORTFOLIO SERVICING INC (GA)

On XXXX XXXX I fax all my paperwork to the company in question. Advising them I'm trying to give them the opportunity to handle this matter between the two of us. They began to tell me their terms and conditions supersede the USC 15 1666 C. Prompt and fair crediting of payment. They also mailed a vague ambiguous letter which I received on XXXX XXXX requesting me to make line with them if I have any questions. 
This company should also update it inquiry contact information because it is false and misleading representation.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (GA)

I was sick and out of work for XXXX months I was late on the XXXX talked to Specialized Loan Servicing about making an expedited payment they suggested XXXX XXXX made payment on XXXX they charged me a XXXX XXXX expedited fee send SLS an email of guaranteed certified fees they tagged my credit of being 30 days late
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX  business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (NJ)

I recently received a copy of all three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.