davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-24
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. (FL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate? This is grounds for removal, they also violated my rights under 15 U.S.C. 1681 section 602 A. Which 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 or any other adverse item of information, other than records of conviction more than seven years.

Also, the Credit Bureaus took more than 30 days to complete my investigation here are my certified mail tracking # 's XXXX ; XXXX ; XXXX. 
I've also submitted a complaint with the Attorney General 's Office. These collection agencies have violated my rights.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

My Car was in an accident that resulted in XXXX insurance totalling the car XXXX paid XXXX at XXXX XXXX XXXX in the amount XXXX XXXX is still reporting this account as a balance owed and the car is out for repossesion that car was totalled and returned via my insurance company. please see attached email and receipt showing payment
Consumer complaint received 2022-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

At the start of the pandemic in XX/XX/2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered that option. They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work.
Consumer complaint received 2022-08-30
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. (TX)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am NOT requesting the itemized bill, I am requesting an instrument bearing my signature. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. 

By the provisions of the Fair Credit Reporting Act. I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter
Consumer complaint received 2022-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (TN)

I received an email in two of my email accounts from a company called Cedars Business Services , LLC. The email was from a person called XXXX XXXX. There is no address given on the email and I found them listed as being a business in the state of California. They have not been compliant with verification of any debts and do not follow the basic rules for the Fair Debt Collection Practices Act. They did not provide any information on the nature of the alleged debt and did not provide first hand documents that validate the debt. They allege that the debt is from a foreign bank. 

I have responded that they are out of compliance with the law. I have opted out of future emails and I am on the do not call list. This debt is not valid. 

They have blasted this email to multiple email accounts and despite the disclaimer, they have done irreparable harm to me and to my character, my reputation and my good name. I take this very seriously.
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (FL)

XX/XX/2020 i told social security i wanted to get my benefits on the directexpress card they signed me up from the office now directexpress say they sent it out XX/XX/2020 Its now XX/XX/2020 still no card i been calling the XXXX number for a weeks now back to back all day long i need my money for me & my lil XXXX lose our home and be on the streets my email address is XXXX XXXX
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NV)

Key Bank charged me an over draft fee on a day when more money was deposited than was withdrawn, because they " processed '' the deposit after the withdraws, even know there website clearly shows the deposits being processed first then the withdraws.
Consumer complaint received 2023-06-24
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. (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.

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 XXXX 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 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX company, continues to maliciously, inaccurately, and illegally report this bogus collection to equifax. See attachment. 

The initial delinquent date is suppose to be XX/XX/2014 and they continue to report it a year later beyond the accurate date!
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Im trying to purchase XXXX XXXX XXXX XXXX XXXX MD XXXX. I started the process with Wells Fargo in XX/XX/XXXX. They couldnt get an appraiser down her till XX/XX/XXXX. The appraiser report is incomplete and missing the whole point of the appraisal. It doesnt not have the estimated appraised value for the home. It was intentionally blurred out. The comps are clearly seen. But I didnt pay for neighboring home. 
I filed a previous complaint. But Wells Fargo responded with a response citing another mortgage appraisal I had done by them in XX/XX/XXXX. That was done accordingly. Im filing for XX/XX/XXXX. 
I called and left a message for the agent who didnt call me back. I called the toll free number today and was hung up on. Repeatedly.
Consumer complaint received 2018-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (SC)

On XX/XX/XXXX I received a phone call from XXXX XXXX with MRS BPO stating that I had student loan debt in collections in their office. I attempted to make a payment arrangement of {$100.00} a month with the company however they were asking for a good faith payment of 15 % of the balance of {$15000.00} which I did not have and I explained to Ms. XXXX that I did not have that amount to put down as a good faith payment. 
The company is unwilling to make an arrangement without a good faith payment which I do not have the means to pay. 
Prior to this being transferred to MRS BPO I had an agreement with XXXX XXXX XXXX and received in writing an agreement to pay {$230.00} a month beginning XX/XX/18. XXXX XXXX XXXX never gave me to opportunity to respond, agree to, and make the payment as it was transferred to another collection agency. 
Ms. XXXX also continues to tell me that she knows that the co-borrower on the student loan has the assets to pay the good faith payment and states that she can not disclose to me how she knows that information. 
I submitted a complaint on XXXX XXXX XXXX back in XX/XX/2018 and received a response stating they would be willing to work out an agreement. The letter was dated XX/XX/2018 I believe, the letter then had to be mailed to me which would take a couple days and thats not including XXXX XXXX holiday and weekends ( mail isnt delivered on Sundays ). Ms. XXXX from MRS BPO states they received my account in their office on XX/XX/XXXX. That didnt give me any time to receive the letter from XXXX XXXX XXXX and respond which I feel is unfair.
Consumer complaint received 2018-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

The issue started over 15 years ago when Sallie-Mae split up and sold off my FSSL to 4 or 5 other lenders. I was sent statements by one lender, and thought I had paid all of my debt within 5 years. Two years after I thought my debt was paid, I was contacted by yet another lender ( so long ago, I don't remember who now ), stating I was going into default on my student loans. I began paying that company and ran into financial hardship. I was told the only way out was to request a forbearance. They kept me in forbearance for a couple of years. Then I lost contact with them, and for 10 years had no idea who was servicing my loans. Eventually, Navient wound up with my loans. When they demanded over {$400.00} a month for loan payments, I advised them there was no way I could make that kind of payment. They, too, said the only thing I could do to avoid default was to continually file for a forbearance. I was never offered any lower payment plan, was given no information on how to negotiate a lower payment. Out of total frustration and lack of communication on their part, and although I know it was the wrong thing to do, I simply quit making payments and taking out forbearances. My loan went into default earlier this year and they advised me they could not help me anymore, stating I needed to contact XXXX XXXX XXXX ( XXXX ), which I did. My last contact with Navient a year ago showed I owed a little under {$25000.00} on my student loans. Once I contacted XXXX, I was told my debt was now {$44000.00}, with no explanation as to where the extra {$20000.00} came from. At the time, I was not made aware that XXXX was a subsidiary of Navient. I entered into a contract with XXXX to get my loan into rehabilitation. I was told by an agent that my loan would be reported to the credit agencies on XX/XX/XXXX of this year if I didn't make payment arrangements through them. I was also told that if I entered into the payment arrangement prior to XX/XX/XXXX, and kept current on my payments, the default would not be reported. I have made two qualifying payments as required by XXXX, but this week I received a letter from XXXX XXXX XXXX XXXX, stating that I have failed to enter into a repayment plan, and the default has been reported to the credit bureaus. I have been attempting to contact XXXX for 4 days now and can not get through. I have left multiple voicemails, literally begging them to return my call, but to no avail. I am not disputing the original loan amount, nor am I disputing that I owe the debt. I am disputing the practices of the companies involved. I feel this debt could have been paid off in full had I been given the proper information.
Consumer complaint received 2017-09-01
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: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/XXXX - American Express charged me {$190.00} for an annual fee after specifically stating there is no fee via the webpage " ANNUAL FEE The annual fee for The Premier Rewards Gold Card is {$0.00} for the Basic Card and {$0.00} for up to 5 Additional Cards. The annual fee for the sixth or more Additional Card is {$35.00} for each Card. '' is listed for Rates & Fees but the link is broken.
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc. (OR)

A collection agency sent a bill to my house, but the bill had the wrong name ( Not mine ) for something I never purchased. I call the company and told them they had the wrong name. Sort of similar, but not really, to my name. They said they would just change the false name to my name, and I should pay! I have not done business with the company and owe nothing. 
I sent this info to you by letter, perhaps about 2 months ago.I received a letter from you with a case number. The letter was no help. I called your phone number, and got someone who said I did not have my e-mail or phone number on my letter, so nothing would be done. I don't remember seeing where those two were asked for. Anyway, the person I was talking with said to send that information back to you folks, which I did with my case number. Then I got a letter from you which looked as it was telling me how to file a complaint which I already have done. What do I need to do to get these people hounding me for money I don '' t owe off my back? 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (MD)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company (NY)

Good evening, I made a payment a mortgage payment to Freedom Mortgage on XX/XX/XXXX for the month of XXXX and this payment was not credited to my account on XX/XX/XXXX. It was credited on XX/XX/XXXX. 

This resulted in a negative credit bureau reporting of 30 days late which dropped my credit score by XXXX points with one bureau. 

I have always ensured that my payment is made in the month of, most times on the XXXX as I have extenuating financial situations but do not ever want to fall behind on payments. 

This has never happened before and I was never formally informed that tis could happen. 
I was taken aback by the messages I got online ( this must be new ) and tried sending secured messages immediately. These I will attach. 

This mortgage company is taking unfair advantage of consumers as the date is very important to record keeping and the date the payment was made was XX/XX/XXXX. 

As I was traveling there was a one hour difference and it showed as XX/XX/XXXX in their system. I did not have available internet service and had many challenges getting to a reliable source to get access to their website as I specifically did not want a late payment. 

I called Freedom Mortgage a few times to request intervention and a courtesy and this evening my call was escalated to XXXX employee id XXXX who said there is no courtesy that can be shown regardless of the time the payment was ACTUALLY made vs. the time their system made the credit. He was even able to tell me that he could see each time that I logged on checked and eventually made the payment and sent the messages. All of this was done between XX/XX/XXXX and XX/XX/XXXX for 3 years, 3 years of on-time payments and I was refused a one-time courtesy due to the weekend dates as historically they were able to tell me that all my payments were made between XX/XX/31 but those were week days??... so this being a weekend My credit will be damaged for 7 years??? for a payment that was MADE on their system before the end of the month that they can VERIFY
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021 myself and friend went into location XXXX XXXX XXXX and asked branch if we could deposit a 3red part Poa cashier check and was told yes two days later they closed account and with money cleared into my account since XXXX we have provided documentation on 5 different dates to the same location and have incidents report numbers from local attoritys to provide that we have done every thing to please them and they will not send funds back or release what was cleared into my account the bank is chase up Morgan bank
Consumer complaint received 2022-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (AR)

FINAL CONSENT JUDGMENT-This proved negligence and liability on behalf of Santander Consumer USA to those consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. It proved allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. In addition to paying {$550.00} million, the bank has also agreed to factor the borrowers ability to repay loans into their underwriting.
Consumer complaint received 2020-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (AP)

the website they use does not have a privacy or terms of agreement but the box must be checked before proceeding. 

XXXX   XXXX I called them, assetcare, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX and they individual i talked to said it wasnt his, assetcares problem that there was no privacy or terms of agreement. 

Being no terms or a privacy policy in place, There is no way that my information can be safeguarded.
Consumer complaint received 2018-12-27
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Control Technology, Inc. (GA)

Account Control Technology has been harrassing me, calling my cell phone repeatedly five times in a row, calling my co-workers, my neighbor, and my brother-in-law. This is just so far 2 days into this problem. It is regarding my student loans. I fear my job and reputation are being put in jeopardy by this ridiculous abusive behavior.
Consumer complaint received 2022-08-30
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. (IL)

On XX/XX/2022 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting two XXXX XXXX. accounts, and a US bankruptcy account. Please see attached FTC Identity Theft Report. 
On XX/XX/2022, I sent XXXX, XXXX, and Experian a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2022-02-24
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)

I am, XXXX XXXX consumer and natural living person submitting this complaint and there is no third party involved. XXXX XXXX committed fraud on my consumer report, and I did not consent, benefit nor authorize these hard inquiries on my report. I demand XXXX XXXX to remove immediately.
Consumer complaint received 2023-03-31
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI (TX)

XXXX XXXX from General Revenue Corporation has called my place of work three times. On the third time, I picked up. I told them that this was a XXXX phone line and he can not call this number. He said : " I am well aware this is a XXXX phone line. '' So I hung up.