davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (MI)

Information is missing from my credit profile, that being a Discover card in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his Discover card back in XX/XX/2021. Discover did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and XXXX to verify this information with Discover Card services. 
I am also asking XXXX and XXXX to verify Discovers authorized users policy which states : *Discover reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit. 
I am also requesting the missing information be added to my credit profile
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/2018 Capital One took {$99.00} out of my checking or around XX/XX/2018. I have contacted these people several times to get a bill mailed to me and a receipt for my refundable {$99.00}. 
I am told that I owe on XX/XX/2018. Where is my bill? 
I only have one letter dated XX/XX/2018-welcoming letter.
Consumer complaint received 2020-06-05
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Shellpoint Partners, LLC (IL)

In past ( XX/XX/2019 ) I received a letter from XXXX my current mortgage lander, regarding for refinance my mortgage if I am interesting. I called them to discuss just to find it out what its the process time and closing cost that I am looking. I spoke XXXX XXXX at NewRez, At the begin, I specifically told her that right now I am not interesting and I dont want you run my credit at this time. However, anyway they ran my credit without my permission. By the way this phone conversion was recoded from their end. I also talk to her manager XXXX XXXX a week later to investigate since the phone conversion was recorded. After couple days XXXX XXXX called me and admits that they made a mistake to run my credit report to all three agencies without my permission. And he will be sending me a form that can be filled out so they ask the 3 credit bureaus to change the hard inquiry to a soft inquiry. After, I called few times left the message but I dont get any response back from them, neither the form. Finally they back to me after 9 months once they receive email from State Attorneys General regarding I made complain.
Consumer complaint received 2018-10-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NY)

MCM XXXX XXXX XXXX is keep sending me repeated letters regarding a debt that is past the statute of limitations and even says so in the bill they sent me. Even says if I do pay that it would enable them to sue me for the entire debt. 

I have asked this company to delete my record as past the statute of limitations. 

account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-06-19
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: BMW Financial Services NA, LLC (MA)

XX/XX/2022 - XXXX contacted BMW Financial Services to initiate a Dispute of a negative report of a 30-59 day late on my credit. ( see letter from BMW dated XXXX attached ) XX/XX/2022 - XXXX wrote BMW Financial Services to advise them of an error in credit reporting of the one and only ( ever ) late payment on my BMW lease account in connection with my XXXX XXXX XXXX XXXXXXXX ( Lease Account ending in XXXX ). 

XX/XX/2022 - I initiated a BMW Financial Services Credit Dispute, related to a late payment on the above-referenced lease account in XX/XX/2022, which was caused by a Bank error on the part of my linked XXXXXXXX  checking account with XXXX XXXXXXXX 

XX/XX/XXXX, XXXX I received a response letter from BMW Financial Services dated XX/XX/2022 ( see attached ) wherein BMW confirmed that they reported my account as 30-59 days late ( under the FCRA ). 

XX/XX/2022 - BMW verified that a payment submitted on XX/XX/2022 was returned unpaid by my bank as a result of the documented BANK ERROR ( see attached Letter from XXXX XXXX ). 

XX/XX/2022 - BMW Financial Services further advised that the payment due on XX/XX/2022 was SATISFIED on XX/XX/2022 ( which was 30 days after the payment due date and resulted in a a 30-59 day delinquency reporting for XX/XX/2022. 
** NOTE : BMW stated that my payment was ONE DAY too late as had it been received on the XXXX day, then BMW would NOT have been able to report this 30-59 day delinquency as they had done. 

BMW Financial Services failed to complete their investigation within 30 days, as is required. Indeed, to apply the very same " zero-tolerance '' rigor applied to me in being ONE DAY too late in my XXXX payment satisfaction ( caused by documented bank error ), then so too should BMW Financial Services be held to the same strict time standard in their investigation- which they applied to my curative payment. 

** CONCLUSION ** BMW Financial Services ' response letter was dated 32 days following my Request for Investigation ( AND 36 DAYS FOLLING THE DATE I ACTUALLY RECIEVED THEIR RESPONSE on XX/XX/2022 ).
Consumer complaint received 2022-06-19
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. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX 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 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-21
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

In XX/XX/XXXX I was told that my final principal balance is {$740.00}. If I paid that it would payoff my mortgage loan. I paid that in XXXX but payment was applied to principal, interest and escrow with {$130.00} in unapplied balance. XX/XX/XXXX I get a demand letter stating that I owe for 2 months. I don't owe 2 months. This information was sent to the credit bureau. My XXXX statement shows that my interest bearing principal is {$420.00} with a notification ( this notification has been on the last 3 statements ) stating that they are unable to provide me with a payment amount at that time since my outstanding interest principal is less than my regular payment. So I called to see what I can do to resolve this and the lady was more worried about my 2 payments that they show that I am behind on. I tried to explain that I wasn't behind. She wasn't able to help me. So I make a payment in the amount of {$280.00}. With that payment and the unapplied balance it comes up to the {$420.00} that my XXXX statement showed. I get another demand letter stating I owe for two months. I don't owe this money. Again this is sent to the credit bureau. There website today shows that I am past due since XX/XX/XXXX. My XXXX statement shows {$420.00} in unapplied balance. I have dispute all this with their dispute department and I have received two letters a month apart stating that it will take them 30 days to check into this. Today I am disputing the escrow amount on their escrow statements.
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

Hyundai Capital of America violated Section XXXX  of my XXXX Lease Agreement by unilaterally implementing an increase in my monthly lease payment from {$390.00} to {$390.00}. Section XXXX requires that this increase be approved in writing by me before it can be implemented and this was not done. Further, they threatened to report me to the applicable credit bureaus if I failed to pay this increased amount.
Consumer complaint received 2020-06-05
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. (WI)

I was a victim of Identity theft and I noticed a fraudulent account on my credit report from The XXXX XXXX XXXX. It was opened XXXX of 2020 with a balance of {$2200.00}. I called the company and disputed the fraudulent account.
Consumer complaint received 2018-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focused Recovery Solutions, Inc. (VA)

I have called this company several times trying to dispute this debt they said I owed even tried to get my insurance to pay off something I had no clue about I asked them to provide me proof that this is me and still can't get a reasonable response.
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC (OH)

They call me at least 5x a day from a number you can not call back. They do not leave a message then call my job. I tell them I will call them back and they call my cell at least 3 more times. 
I call them back and tell them I have do not have the money to pay the amount they are asking for and am offering them an amount that I can send them and they say it is not good enough. 
They begin again. They told me they will call my cell phone and job daily until I pay them. 
I told them I am trying to file bankruptcy and they said until I do they will continue to call my job and cell phone daily until my bankruptcy is in court. 
They are very RUDE when they call and say I need to pay it all or nothing at all.
Consumer complaint received 2022-03-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX added me as an authorized user on his XXXX card back in XX/XX/2021. XXXX did add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting Experian to verify this information with XXXX XXXX services. 

I am also asking Experian to verify XXXX authorized users policy which states : XXXX  reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit.
Consumer complaint received 2020-07-11
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. (OH)

On XXXX XXXX I filed a dispute with XXXX about 16 late payments reported on account from my Student Loans. On XXXX XXXX I got a notification that my credit score dropped 42 points from a XXXX to XXXX and my payments went from XXXX to XXXX. I checked the status of the dispute with XXXX + Transunion and it said that my dispute was pending investigation so im confused why my score was dropped for a pending investigation. Upon completion of the dispute, XXXX + Transunion said that nothing on my account changed and the disputed payments were still valid. So with that in mind, I called XXXX multiple times to see why my score changed although nothing was added nor taken away from my account and I received different answers every time I called and every rep told me that they had no idea why my score changed because it should'nt have been tampered with and they didnt see anything that should have changed it. I even had a rep tell me that my score would return to a XXXX 30 days after the dispute was completed which was also false. I still have yet to receive any answers as to why my score was tampered with for no reason and i am highly upset. This is against the Fair Credit act and I am tired of the run around.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (ID)

The first week of XXXX, we got a collection notice from Aldous and Associates, for {$220.00}. We did not know what this was for, it said an agreement with XXXX  XXXX XXXX. The only company we know of named " XXXX  '' is XXXX XXXX, which we had a month to month agreement with, which was paid for by a debit card. In contacting Aldous and Associates today, XX/XX/2018, they said it was XXXX  XXXX, and that we owed this money, even though it was month-to-month because we had not actively canceled the membership, and that if we did not pay by the end of the month they would report this to the credit agencies, which would hurt our score. My wife paid this bill even though it should not be owed.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

IN REGARDS TO : ONE MAIN FINANCIAL XXXX XXXX XXXX XXXX MD XXXX I HAVE SENT COUNTLESS CERTIFIED LETTERS TO THE BUREAU XXXX   LETTING THEM KNOW THAT I'M A VICTIM OF IDENTITY THEFT. AS WELL AS FORGERY HAS BEEN COMMITTED AND THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY IN MY NAME AND I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAVE I EVER HEARD OF THEM. 
Im currently consulting with an FCRA attorney about escalating this matter to the next level because you have failed to conduct an investigation regarding inaccurate FRAUDULENT account on my credit report. Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law. 

This is my last request to your company to follow the law and REMOVE THE IDENTITY THEFT ACCOUNT FROM MY CREDIT REPORT AS IT DOES NOT BELONG TO ME. I HAVE FILED POLICE REPORTS WITH THE OFFICERS SIGNATURE AND POLICE REPORT NUMBER AND I HAVE SENT THEM OVER TO THE BUREAU XXXX  AND THEY HAVE STILL FAILED TO COMPLY WITH THE LAW AND REMOVE THE ACCOUNT. I'VE EVEN SENT IT TO THE DEBT COLLECTOR AND ONE MAIN AND THEY HAVE NEVER RESPONDED BACK.
Consumer complaint received 2022-06-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Associates of Maui, LTD (HI)

On XX/XX/2022 I received a phone call from XXXX XXXX at Credit Associates of Hawaii, a company I was unfamiliar with. I called back and was told I owed a debt that I did not know I owed. XXXX said she would forward me the information. Our conversation did not contain 1006.34 ( c ) ( 2 ) information or even all of 1006.34 ( c ) ( 1 ) information. 

A few days later, I received a letter postmarked XX/XX/2022 that did not follow 1006.34 ( c ) ( 3 ). Then I received a letter postmarked XX/XX/2022, but dated XX/XX/2022 enclosing an accounting of a debt with which I was not completely familiar. I assumed the company was not legitimate. 

On XX/XX/2022, I received notice that the company had sent derogatory marks to the credit bureaus despite not having sent confirming notice. I called on XX/XX/2022 to speak with XXXX about coming to a resolution/payment agreement and also about removing the mark as they had not followed procedure. She told me she could not do that. When I asked to speak with someone who could, she said she would have someone contact me, but I was not able to get a name or timeframe for that call. 

I would still like to negotiate a payment plan and have the mark removed.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-06-12
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. (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. 

The letters are stated with items and issues.

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 2022-06-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.