davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as XXXX, XXXX, and Experian, must carry out their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. As the consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which articulates Congress 's policy that financial institutions must actively and continuously uphold customer privacy. Under the definition provided by this title, a " furnisher of information to credit agencies '' is considered a financial institution. Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the relevant consumer. I want to make clear that neither the financial institution nor the consumer reporting agencies ( XXXX, XXXX, and Experian ) have my consent to furnish this information, and they have never obtained my written consent through any means. Consequently, any and all consent granted to these entities is hereby revoked. Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise the nondisclosure option. I assert that the " furnisher of information to credit agencies '' failed to inform me of my right to exercise this option. Highlighting 15 USC 1681 ( c ) ( a ) ( 5 ), it is explicitly stated that a consumer reporting agency may not include certain adverse items of information in a consumer report without authorization. The inclusion of adverse items without my permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that furnishing inaccurate information to a consumer reporting agency is prohibited. XXXX and Experian are not maintaining reasonable procedures, as mandated by 15 U.S. Code 1681 ( e ), designed to avoid violations of relevant sections. Finally, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at any time.
Consumer complaint received 2018-11-05
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. (OH)

I have two accounts that I have requested the status, and proper documentation for my personal review. There are several errors in the reporting of the derogatory account. I do not see any dates dealing with the last time there was any activity of either account. I have disputed the accounts directly with the original creditors as well yet no one seems to have any information to review the account any of the original contracts BECAUSE the accounts have been sold over again and again to different agencies. The following accounts need to be deleted XXXX XXXX XXXX # XXXX, XXXX # XXXX. Please advise both companies I due plan to sue/litigate this issue if these two unverified account get sold again to another collection agency.
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OR)

I recently received a letter XXXX dated XXXX XXXX, XXXX ) from XXXX XXXX XXXX informing me that I was being automatically upgraded from a XXXX XXXX to a XXXX XXXX unless I opted out by XXXX XXXX. It took XXXX minutes online ( website refused my card information which was copied directly from the card and then technical support tried to tell me that the website in the letter was the wrong website ) and on the phone to opt out XXXX which I successfully did XXXX. My issue is that I do n't believe companies should be able to unilaterally change a credit card from XXXX type to another ( from a store card to a XXXX XXXX and require consumers to opt out. I think the company should make the offer and let consumers opt in.
Consumer complaint received 2018-11-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC (VA)

I have stayed in contact with them on several occasssion. I have maintained my payments on a monthly basis however recently I have been experiencing financial hardship but still maintained to make my payments. Good payments no return payment history. Every time I speak to some one they advise me because I have already gotten assistance I dont qualify. I understand and advise them that I have every intentions to pay which I do and have statements that show I do and where I have fallen behind due to hardship. Today I spoke with someone and told her XXXX was her name in collections that I had to change my payment date from the XX/XX/XXXX to the XX/XX/XXXX due to financial hardship. The payment was set up and she said her manager will be cancelling my payment and repossing my car. I have done everything I could as a single mother to make sure my car doesnt get repoed and for some reason it seems they just want to threaten me and repo my car. I have not had previous good communication with this company and having to pay my car for 3 years and still owe so much for a 4 year old car worries me even more. I dont know what to do anymore.
Consumer complaint received 2020-11-05
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: Experian Information Solutions Inc. (GA)

I checked my credit report several weeks ago and noticed some inquiries that I did not authorize. I submitted a dispute on all that where unauthorized. More then 30 days have passed i have not heard anything about my request. I also submitted a 30 day demand letter with tracking number XXXX XXXX  XXXX XXXX XXXX XXXX and still no response.
Consumer complaint received 2018-11-06
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: EQUIFAX, INC. (VA)

I have tried to get in contact with XXXX  multiple times to stop sending me their magazines and then I find out they put a hard inquiry on my credit report as of XX/XX/2018 when I dont want anything to do with them at all. They need to remove the inquiry from my credit report and stop soliciting me.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (TX)

Steps I took : 1. Apply for Incentivized ( 0 % Interest for 18 months on a Balance Transfer ) Credit Card 2. Request $ XXXX Balance Transfer from existing, non-Wells Fargo Credit Card Steps Wells Fargo took : 1. Approved my application 2.  Transferred XXXX to Incentivized Credit Card ( Plus Transfer Fee ). **The new Credit Card has a max credit line of XXXX 3.  Transferred XXXX to existing WF Credit Card ( Plus Transfer Fee ) without my acknowledgement, request. 
4. Did not notify me of any decision that relates to # 2 or # 3 More steps I took after seeing a new balance on my old card : 1.  XX/XX/XXXX : I called Wells Fargo Customer Service ( Spoke with XXXX ) XX/XX/XXXX : Spoke with Wells Fargo Credit Card Executive Office ( XXXX assigned as Case Manager ). 
I requested the balance incorrectly transferred to my existing card ( XXXX ) be moved to my new card. 
XXXX refused this request, but stated they would instead waive the Balance Transfer Fee. 
I explained that this was not what I wanted. I restated my request to have the Incorrectly Transferred Balance moved to my new Credit Card and have the existing Credit Card Cancelled. 
XXXX again refused to rectify the Incorrectly Transferred Balance and instead processed a Lost/Stolen Card Request on the Credit Card I asked to have Cancelled. 
XXXX assured me of a 4-5 business day resolution/callback to this issue XX/XX/XXXX ( Today ) : Being assured a 4-5 business day resolution/callback and not receiving one ( now 10th business  days ), I contacted the Credit Card Executive Office and spoke with XXXX XXXX ( sp? ). XXXX mentioned that XXXX was out of the office today ( XX/XX/XXXX ), but provided me with notes and no suitable resolution to my case. Basically the same story XXXX provided 10 days prior ...
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

I signed up for the Jet Blue Credit Card on XX/XX/XXXX. At the time I signed up Jet Blue offered XXXX points with the stipulation I paid the annual fee, and charged the required amount within 90 days. At that time I purchased two round trip airline tickets to Florida. I paid the annual fee on XX/XX/XXXX and charged {$2300.00} to the card ( this is twice the required amount ) .on XX/XX/XXXX. This offer was made on line when I was about to charge the tickets to my visa account. It also was posted in the airline terminal and onboard JetBlue flights. I also received three emails advertising the points. The first was dated XX/XX/XXXX, the second was dated XX/XX/XXXX and the third was dated XX/XX/XXXX. The XXXX point offer was in effect before and after I signed up..Recently I received another email dated XX/XX/XXXX indicating the clock is ticking - be sure to earn your bonus points. I spoke with customer service at JetBlue and the representative stated that the information I provided was correct but they needed Barclays to authorize the points. I spoke wit Barclays customer service and they stated they would look into it. On XX/XX/XXXX I received a letter from Barclays stating " We're currently unable to assist you with your rewards issue ''. I contacted customer service and asked for a reason and they indicated that since I purchased tickets at the time I signed for the card they had the option to give the discount or the points. Nowhere was this offered and they advised it was their choice to do this. In checking my account I see that a XXXX XXXX bonus was applied instead of the XXXX advertised at the time of enrollment. I believe this is very unfair to be treated this way and hope you can help with this issue. At first I believed this was an administrative error but after speaking with both JetBlue and Barclays it appears to be more than that.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to XXXX XXXX XXXX which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. XXXX XXXX XXXX has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

I have a a unverified account from CHOICE RECOVERY INC # XXXX. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that CHOICE RECOVERY INC. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-05-19
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: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

XXXX XXXX/XX/XX/XXXX XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX XX/XX/XXXX XXXX/XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my report.
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (ID)

have disputed the late payments on XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX account for months with no result. Not only that, Equifax also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-11-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA. 

I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX The XXXX XXXX XXXX. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine. 
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law. 

The first challenges went out on XXXX XXXX to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX XXXX with a balance of {$430.00} and Portfolio Recovery for {$680.00}. 

I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report. 

They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires. 

The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires. 

The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XXXX 2018. 

Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA. 

I too requested Validation they have yet to prove it. 
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2018-11-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

My mom was doing a refinance on her house with a va rider and I signed attorney in fact on loan on XX/XX/2015 then the next day XX/XX/2015 I canceled the refinance quicken loans accepted the cancellation and so did the va loans in Az well my mom passed away next thing I know I get a payment statement in mail I call quicken loans and told them the refinance was canceled on XX/XX/2015 I was still within the three day cancel period. 
They tell me Im liable for loan cause I signed attorney in fact. They tell me well since we know your mother is deceased we will transfer grant deed to your name. So they told me this in XX/XX/2015 they didnt keep there word they foreclosed on the house after I had paid payments
Consumer complaint received 2021-11-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Upgrade, Inc. (TN)

From me to upgrade - XX/XX/XXXX I received a notice today on my XXXX report of a missed or late payment on my account. 
1. I was on automatic payments, how can that be possible?

2. The payment in question is either the XXXX cent charge which I paid manually but it was set for automatic payments. 
I have spoken to multiple reps saying this would be taken care of as it was an upgrade mistake. 
XXXX. Or the XXXX cent due now that I can't even try to pay because it won't let me it says no payment due. Though still set up for automatic payments. 
Kindly correct my credit score. I made a lump sum payment and expected the rest to be paid automatically. Obviously this did not happen. I do not want to open a major dispute but this needs to be corrected. 

From upgrade to me -XX/XX/2021 Thank you for contacting Upgrade regarding your credit reporting dispute. 
We carefully reviewed the details of your claim and found that your account was reported past due incorrectly. We have taken the necessary steps to correct our internal records. 
On XX/XX/2021, we submitted a correction request to XXXX, XXXX, and XXXX. Please be advised that it may take 30 to 60 days for the correction to be reflected on your credit report. 
Thank you again for providing us this opportunity to correct your credit report. 
Please do not hesitate to contact us if we can be of any further assistance. 

Fro me to upgrade - XX/XX/XXXX I just received another credit update that says I have not had 100 % on time payments. 
Why is that? 
The loan is paid off. I wan never late and you even agreed and took care of it. 
This is really bad business and I would like it fixed and all ties cut. 
I should NOT have to go through this not to mention AGAIN!! 
Please correct this again, as soon as possible.
Consumer complaint received 2019-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I completed my loan agreement with XXXX XXXX XXXX back in 2013 with a “XXXX” balance on the account as well as title in hand for my XXXX XXXX XXXX. In return XXXX reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of XXXX.