davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I HAVE SO MANY ISSUES ON MY CREDIT FILE I DON'T KNOW WHERE TO BEGAN. THIS IS THE SECOND TIME I HAVE REQUESTED HELP SINCE I WAS A VICTIM OF FRAUD. I would have been OK if this was addressed earlier this year. The following addresses are unknown not sure where they came from they are not mine please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2023-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (VA)

As a service member protected under the Military Lending Act ( MLA ), I should not have more than a 36 % Military Annual Percentage Rate ( MAPR ), including costs like calculating your interest rate and finance charges and other added charges. 

After reviewing my documents, I am sure the interest is more. On the agreement, the interest rate is 22.84 % with a {$1900.00} origination fee. Then on the lending disclosure is has the loan will cost me an XXXX of 27.49 % yearly. 

None of the monthly statements I receive includes an interest rate or XXXX, so I am unsure what is being charged. The statement shows how much interest is being paid. The statement of the XXXX and a clear description of the payment obligation must be provided in writing in a form the covered borrower can keep. 

Also, the consumer has my bank account information stored on their website, which I can not remove. Under MLA, a consumer can not require or use a check, electronic fund transfer, or other methods of access to financial accounts maintained by the covered borrower for repayment. It is prohibited for a creditor to use a borrowers account information to create a remotely created check or remotely created payment order to collect payments on consumer credit from a covered borrower. 

Signed documentation was never processed for this loan and is not in portal documentation.
Consumer complaint received 2019-12-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Central Portfolio Control Inc. (NV)

I have sent a certified letter and have left voicemail to central portfolio control, they have contacted friends and family members in regards to this debt. They are still contacting me after they have received my certified letter and they are still calling as well.
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CO)

This company DIVERSIFIED below, continues to submit this debt to credit reporting as COLLECTIONS, even though this is not my debt. Over the last few years, once a year, DIVERSIFIED reports this debt, forcing me to dispute and REPEAT the fact that this is Not my XXXX PHONE ACCOUNT DEBT. I have been XXXX since XXXX and i would NEVER have a XXXX phone. There is no WAY to have a XXXX ACCOUNT without a SIGNED CONTRACT. There is no signed contract by me because this is not my account with XXXX. This debt collection refuses to provide a SIGNED CONTRACT with my name proving this account/debt is mine, in repeated violation of FCDPA. This firm has tried to extort payment from me or they threaten me with COLLECTIONS REPORTING. 
Again, not my debt. There is no signed contract with my name. 
This Report cost me 39 FICO Points. 
CC : Colorado State AG Alert Date XX/XX/XXXX Source XXXX  Company DIVERSIFIED CONSULTANT Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX Activity Grid Code G ( Collections ) Balance Date XX/XX/XXXX Balance {$750.00}
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (LA)

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. I told XXXX, XXXX, and XXXX to investigate these accounts as well as the SEVERAL hard inquires that should not have been did from XXXX XXXX on my XXXX XXXX Name/number- XXXX Cred # XXXX on all 3 credit reports XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXXXXXX and XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 
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 accurate.
Consumer complaint received 2023-02-17
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. (IL)

In accordance with the fair credit reporting act the list of accounts below have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 2023-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (AR)

On XX/XX/2023, I received a phone call from XXXX XXXX XXXX regarding a debt from XXXX XXXXXXXX XXXX. I explained that I actually had spoken to the XXXX XXXX XXXX several times and was repeatedly told I would be refunded {$1300.00} from the policy cancellation, therefore, I would like to dispute the claim. On that date, I also requested debt validation. I did not receive this letter until XX/XX/2023. The letter was dated XX/XX/2023 which according to what I've read, is a violation of the 5 day rule. Additionally XXXX reported me to the credit bureau on XX/XX/2023. I received no other correspondence with Transworld Systems Inc from XX/XX/2023 - XXXX XXXX. 
I have also included documents that I have sent to XXXX XXXX XXXX ... specifically the email from Monday XX/XX/XXXX where my agent informs me that I do not owe on any accounts and that XXXX owed ME money. 


TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX Reference # XXXX Creditor : XXXX XXXX XXXX ACCT # XXXX Balance due : {$690.00}
Consumer complaint received 2023-03-02
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: Medical Data Systems, Inc. (TX)

Medical Data System is reporting inaccurate and incomplete credit information on my consumer report I have no contract with nor have I gave them any written consent to report anything on my consumer report or report any of my nonpublic personal information to any agency. 
Medical Data System Inc has stolen my identity because I did not consent to them reporting any of my nonpublic personal information, with the intent to ruin my reputation, my credit worthiness, my character, coerce me and to extort me into paying an alleged debt. 
Pursuant to 20 CFR 1232g I have a right to privacy when it comes to my medical information 20 CFR 401.25 of the privacy act of 1974 also states that I have a right to privacy and non of non public personal information should be shared such medical information, finance transactions to any agency without my consent the consumer. 5 usc 552a I have a right to opt out of any reporting at anytime pursuant to 16 CFR 313.7 ( 7 ) which I wish to enforce it I am now opting out of any and all authorization that I the consumer my have given you written, non written, verbal, nonverbal pursuant to 15 U.S.C 6802 Also pursuant to 15 U.S.C 1692c cease and Desist all communications means the conveying of information regarding debt directly or indirectly to any person through any medium such as furnishing a credit report or reporting this account to any reporting agency. 
Be aware that selling my information to any other collection agency is aggravated IDENTITY theft and you will be civilly liable for all damages
Consumer complaint received 2019-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/2019 I made one purchase at XXXX XXXX, in XXXX XXXX . The merchant swiped my card 3 times due to a poor internet connection. When I discovered that the purchase had actually been processed 3 times I contacted Bank of America and they removed the 2 extra charges while they investigated the dispute. On XX/XX/XXXX they contacted me and indicated that the charges were substantiated and added back on my credit card bill. At that time I contacted the credit dispute department in XXXX XXXX who informed me I would need documentation from the merchant indicating that these charges were indeed in error. At that time I attempted contact with the merchant and had difficulty reaching her at which time I contacted an acquaintance in XXXX who went to the merchant to discuss the matter. After this visit the merchant provided me with a letter and documentation substantiating that these charges were an error and also documentation that the funds were removed from her account. I then forwarded this information to Bank of America 's dispute department and was informed that the time frame for investigating the dispute had lapsed. I have attempted to contact Bof A with no reasonable response.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Citizens Bank of NA failed to report accurately the payment in full of the HELOC account, specifically, the account was paid in full. The debt was set at {$170000.00} on HELOC on the property located at XXXX XXXX XXXX, XXXX, RI XXXX. The house was sold for {$170000.00}, which cover the amount owed. Additionally, Citizens Bank claims a deficiency. The borrower and the bank agreed to a payment of {$1100.00} in lieu of the deficiency. Borrower paid in full as agreed. There is no money owed and the HELOC was paid in full. 
Citizens Bank is reporting that the account was settle for less than the full balance. 
Citizens Bank failed to inform the credit bureaus that the account was paid in full as agreed. Thus, diminishing borrower ability to obtain loans. 
This is a bad faith reporting. 
I ask you that your agency assist me in amending and/or modify the credit report.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXXK, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$460.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$120.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$840.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( 3 ) credit bureaus immediately as it is inaccurately reported on my credit file.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2022-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (GA)

On Friday, XX/XX/2022, I financed {$1500.00} through GoodLeap for XXXX tune-up services by XXXX XXXX XXXX XXXX XXXX XXXX  before the work was completed ( See Exhibit A ). Unfortunately, XXXX caused great harm to my HVAC system by leaving an operable system inoperable after servicing my HVAC. As a result, I complained to XXXX on Sunday, XX/XX/2022, and canceled payment and financing through Goodleap. According to the GoodLeap Retail Installment Contract ( Exhibit B ), on pg 2, it states that I " may cancel this transaction prior to midnight of the third business day after the date of this transaction by sending the attached Notice of Cancellation to GoodLeap ... at XXXX XXXX XXXX XXXX, XXXX, CA XXXX '' Consequently, I have through Wednesday, XX/XX/2022, at midnight to send my cancellation to GoodLeap. 

My cancelation actions were numerous, including : 1 ) On XX/XX/2022, emailed GoodLeap at XXXX ( Exhibit C ) 2 ) On XX/XX/2022, replied to their GoodLeap app on origin.goodleap.com that I was canceling the transaction and provided the reason for rejecting it ( Please see phone screenshots of my submission and confirmation that my submission was " Successfully submitted '' in Exhibit D ) 3 ) On XX/XX/2022, before the XX/XX/2022 deadline, I sent the Notice of Cancelation to GoodLeap at the required address via Certified Mail. Please see a copy of the signed and witnessed " Notice of Cancelation ( Exhibit E ), a photo of the Certified Mail letter I sent ( Exhibit F ), the Certified Mail receipt ( Exhibit G ), and the USPS Tracking Delivery and Receipt by a GoodLeap employee confirmation ( Exhibit H ).

However, I continued to receive loan notices from Goodleap indicating that my loan ( # XXXX ) had not been canceled.
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Chase has misapplied the majority of my mortgage payments to my principal and interest. 
Many large payments sat in suspense accounts while my higher loan balance could accrue more interest for Chase. 
I made a {$31000.00} payment on XX/XX/XXXX. Chase held the payment til XX/XX/XXXX before they applied the payment to principal and interest. My principal did not get paid down so I accrued more interest. The same thing happened with my {$200000.00} payment Then Chase reported me not making my XXXX mortgage payment to the credit bureaus and sent me to collections.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

Back in XXXX XXXX CFPB helped get my stimulus money returned from TD bank. I have a {$68.00}. XXXX XXXX XXXX deposited {$850.00} into a closed account. They used the original card I used at the hotel. XXXX cashed in a {$4700.00} certified cashiers check, and the bank still hasn't returned my XXXX XXXX refund. The refund was sent XXXX XXXX XXXX XXXX is the manager at XXXX  and XXXX sent the funds to closed TD bank account. your agency got my {$600.00} returned td bank is criminal they still haven't paid me my money from XXXX. They're at fault for not verifying that certified bank check and allowed it to come through. There were three refunds sent to the td bank account. 
XXXX did fraud she didn't close the account in XX/XX/XXXX the funds from TD went to it they also kept that. I'd like my XXXX XXXX  refund returned. TD bank is criminal fraud.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # USBK COURT XXXX 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
Consumer complaint received 2022-09-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

Experian is showing a credit card balance that is inaccurate for my XXXX XXXX XXXX XXXX. The card balance still hasnt been updated for the month of XXXX as of today XX/XX/2022. Even though the posting date is normally the XXXX of each month. 
As per the Penfed agent I spoke to on XX/XX/2022, my XXXX credit card balance of {$570.00} ( XX/XX/2022 posted bal ) was submitted to all the CRA 's on XX/XX/XXXX. XXXX and XXXX have the correct bal. but Experion doesnt. I need Experian to update the accurate bal as well.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

XXXX received a fraud alert on my accout. They caught it, XXXX dollars in fraudulent charges. I called them and thought itnwas taken care of. But it was not. They let the charges go through anyway. They said I'll get a refund after their investigation. I should not have to wait for my stolen money to be returned. They knew these were not my charges. They knew they were fraudulent and let them go through anyway. I'm not able to pay my bills because of the banks inaction against the fraud they detected. They say I'll get my money back but I don't feel safe. I'm going to take all my money out of their bank and go somewhere else.i want my money back. I want the bank to be fined for not taking immediate action to protect customers when they detect fraudulent activity. I can't pay my bills this month because of what the bank did allowing the fraudulent charges to go through.