davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of Trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided Trafficking documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX XXXX XXXX NDAA XXXX .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX XXXXf the consumer has provided Trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
XXXX XXXX XXXX XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ XXXX XXXX XXXX XXXX XXXX XXXX  Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Consumer complaint received 2022-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (NC)

XXXX XXXX was used in XXXX to form a company and fees were paid for their legal services. In XXXX they were notified that the company was no longer in business and their services not needed. The notification was by phone, email, and on the web site. In XXXX and XXXX they continued to charge my credit card for " annual fees '' despite repeat requests to cancel the charges. Refunds were requested with no response. I had to cancel the credit card to get them to stop. I then stopped hearing from them. Then in XX/XX/XXXX I received a collection letter from Caine & Weiner stating they were looking to collect {$390.00} on behalf of XXXX XXXX. They are trying to collect a debt for NO SERVICES.
Consumer complaint received 2020-12-15
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 (FL)

Portfolio Recovery keeps calling me at my job. I work at a dealership and they call reception asking for me, stating that they are on a recorded line. I asked several months back NOT to call my job and they keep doing it. Today when they called I told them I reported them and the girl said " Now wait just a minute. This is the first time I called you '' I hung up the phone. I am about to file Chapter XXXX bankruptcy and they continue to call me at my job. This is against the law if they have been told I can not take these calls at my job. 

I want them to be punished for there harassment and rude way of speaking. The number they call on is XXXX. Sometimes from XXXX.
Consumer complaint received 2020-07-31
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 (AL)

When checking my report I saw that there are accounts still being reported that where previously disputed due to fraud. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts in question from my credit report. This has caused emotional strain and has been extremely time consuming for me to continue to request that these accounts be removed. I would like to see penalties against the companies involved for failing to investigate claims of identity theft and for the emotional stress that this experience has caused. These companies failed to verify information given to them. DISCOVER CARD IS REPORTING INCORRECT INFORMATION IN THE AMOUNT OF ( XXXX ) INCLUDING THE WRONG SOCIAL SECURITY NUMBER WHICH DOES NOT BELONG TO ME. XXXX XXXX XXXX XXXX IS REPORTING A {$150.00} Open balance FOR XXXX XXXX XXXX a creditor they claim to no longer be collecting for yet the information is still on my reports, there has been no efforts made to remove them. 
I am once again requesting immediate removal of these fraudulent accounts. Not for them to just sit in Dispute status.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

An installment loan with incorrect information is in the possession of this company. This account is fraudulent. This fraudulent information has remained on my credit report for years. I have tried numerous times to resolve this matter amicably with XXXX. I requested documentation to validate that this account was personally done by me and never received any information about it - not from XXXX, or the bureaus. My address on the account is even wrong, I have never received any mail from the address that XXXX has on file. I have even mailed in letters to XXXX and have never received a response, I am literally being ignored by this company.
Consumer complaint received 2020-12-15
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: BROKER SOLUTIONS, INC. (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX,XX/XX/XXXXNEW AMERICAN FUNDING XXXX, on XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX and on XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Early in XXXX the escrowed insurance company was pulling out of FL & it took me a bit to procure new insurance. Insurance was paid by Mr. Cooper XX/XX/XXXX. XXXX months later I was informed because my name was not on the mortgage, we needed to submit documentation that the courts had awarded me the estate and changed the deed. Which I did on XX/XX/XXXX. Fully understandable and not an issue. 

The next statement showed the estate of my mother c/o of me, but they mispelled my name. I didn't think anything of it until they added {$6500.00} worth of force placed insurance onto my account in XXXX when doing the escrow audit. After multiple calls to multiple departments being told numerous time 7-10 business days to correct, nothing is corrected. 7-10 business days to correct their error in typing my name is insane. Then another 7-10 business days to possibly correct the {$6500.00} in forced insurance that should not have been there. In the meantime they have added {$540.00} per month in unnecessary insurance causing my payments to be 60 days late with unapplied funds. 

7-10 business days to fixe their errors in multiple ways is insane. Mr. Cooper should be held liable for the hours and stress they have caused. We are at the end of XXXX & still being told 7-10 business days to fix THEIR errors.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction
Consumer complaint received 2022-07-23
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)

In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I have been a credit card member of First National Bank of Omaha ( FBNO ) since XXXX. I have been in excellent standing, doing minimum automatic payments and even doing additional payments. My credit limit was {$2000.00} which I was emailed today telling me as of XX/XX/XXXX my limit would be lowered to {$1700.00}. This changed my avail credit from {$380.00} to about {$83.00} - thus changing my debt ratio closer to the credit limit. This will naturally lower my credit score. 
My credit score is currently rather low. I had a couple other credit cards unwilling to lower my APR so I turned to XX/XX/XXXX in order to consolidate those cards and force a conversation with creditors when they previous were stubborn to negotiate lower aprs. To this date I have settled 4 credit cards and have one credit card remaining with XXXX XXXX XXXX to negotiate a settlement. FNBO was the ONLY credit card I kept out of the XX/XX/XXXXconsolidation program. 
After receiving todays email from FNBO regarding my account changes I called today XX/XX/XXXX at XXXX PST to ask for clarification and assistance. I was transferred to supervisor XXXX extension XXXX. He said negotiating to revert my balance back was out of his hands and a fact. When I asked to speak to someone else, he refused. So my understanding is this ... I have been unemployed since XX/XX/XXXX due to Covid19. Covid has affected the world health wise and economically. Even through unemployment, a pandemic and lack of income, I have making automatic payments, paying additionally, and been a diligent, dedicated customer since XXXX - yet FNBO will use predatory tactics to aggressively drive up debt and refuse to listen to their customers concerns, simultaneously instrumental in destroying good standing customers credit. Yet, are they asking for help from our US government or getting Covid relief? I find this behavior to be somewhat criminal. I find FNBO behavior to create a culture of economic disparity. This should not be allowed. If the idea is to force a settlement, then my options are they offer one or I in fact stop payments and force a dialogue with FNBO which would, unfortunately , drive my credit into further peril. How is this responsible behavior by FNBO?
Consumer complaint received 2023-01-04
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: DataMax Corporation (NC)

This is my formal complaint to this company for reporting inaccuracies on my credit report. I have already disputed this, asking for validation, and I still got no response from them. I want these accounts to be investigated, and I'm requesting the original purchase agreement signed by all parties involved that says this alleged debt is mine.
Consumer complaint received 2021-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (TX)

One Main Financial makes harassment phone calls telling you that your loan payment is due while the loan is in its grace period. The bill is not late until 10 days after the due date, yet they call you everyday harassing you until you pay it. This is not how loans work and this is bad customer service. I didnt agree to a loan to be harassed. If I am not late according to my contract, you have no reason to call me.
Consumer complaint received 2021-02-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (SC)

XXXX loan balanceXXXX {$12000.00}. One year later, XXXXXXXX XXXX loan balance {$11000.00}. Payments made- $ 4,884.68-Principal received {$350.00}, Interest received {$4400.00}. No progress in paying off this " predatory loan ''. Please advise, on how to combat loan from One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

My year of birth is incorrect and I keep getting fraud alerts on my accounts. I am XXXX  years of age and i provided a picture of my birth certificate and my XXXX  records to attach to my credit report for future reference
Consumer complaint received 2022-07-23
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. (AZ)

The credit reporting system is dependent upon my consumer report displaying fair and accurate information. On XX/XX/22 XXXX add a derogatory mark on my credit report per Experian. This information is completely inaccurate, also is a violation and unfair to me because I was never notified when the inaccurate information was furnished and I was never notified when during the agencies initial investigation that they were going to report the information. This grave error by Experian has undermined my confidence in the companys procedures. This company is a powerless elaborate mechanisms and this mishap that this company has caused has ruined my reputation and adversely affected my credit worthiness. This company assumed this role and was not given expressed permission by me the consumer, or a competent court of jurisdiction, so not only did this company fail in the initial investigation of this information. They also assumed this role, and assumed this inaccurate information was valid. Which is a violation of my consumer rights. according to the FCRA XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

XX/XX/2022 Experian I checked my credit report today and noticed a inquiry for a company that I did not give authorization to pull my credit. I have attached a screenshoot from my Experian credit report which shows the company.
Consumer complaint received 2022-07-23
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. (NC)

I am writing to dispute the following information that appears on my consumer Credit report : I have recently been informed that there are negative information and collection accounts reported by the following creditors or agencies in a file you maintain under my social security number. Upon receiving a copy of my credit report, I see the following entries listing charge off and owed amounts : 1. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XXXX XXXX. Inquiry : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX
Consumer complaint received 2022-07-23
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)

In accordance with the Fair Credit Reporting Act XXXX Account 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 instruction
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and 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 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions.
Consumer complaint received 2020-12-15
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: Credit Plus Inc (NC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, DEPARTMENT OF EDUCATION add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports per XX/XX/XXXX and XX/XX/XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Syncapay, Inc (MN)

I wasn't able to download it to my digital wallet as advertised. They then charged a {$4.00} " Monthly Maintenance Fee '' for a digital card which makes no sense. When the card expired ( 12 months from date of issue ), they charged a {$12.00} reissue fee which covers shipping and handling for a replacement digital card with no shipping or handling. The process for requesting a replacement card is unduly burdensome. Despite it being an electronic card and all communications being done electronically, to request a replacement card, you have to print and send a form via u.s. mail that must be received by a certain date. There is no mention at the time of requesting a replacement card that there is a {$12.00} fee. As a result, my {$80.00} prepaid card is now {$50.00} and who knows if/when I'll receive a replacement. When I asked to waive the fees, I was told both the reissue fee and maintenance fees " can't be waived. ''
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (SC)

Midland credit management has continued to threaten to sue me if I dont pay a debt which is against the law. I have disputed the debt many times as it is more then the original debt I owed to the company where the debt originated. 
The amount they say they owe is XXXX I received this letter on XX/XX/21. They have spammed me with phone calls despite the fact that I have told them to stop calling me. They call me on my work phone and have even contacted family members of mine.