davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC. (NC)

It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( ( ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). XXXX XXXX XXXX XXXX has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002. 
This is proof of discrimination!
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Levy & Associates, LLC (IN)

Yesterday I received a court summons filed by Levy & Associates, LLC who represents XXXX XXXX XXXX in my PO Box when checking for my car registration. I had contacted the firm while still at the post office to get started in planning a payment arrangement, explaining to them that I had a death in the family and was recovering my finances and getting up to date with a variety of bills along with taking care of the deceased estate and caring for the deceased while she was in the hospital and the XXXX  XXXX. I had explained also that XXXX XXXX XXXX was engaged in theft and filed a complaint against them about that. I contacted them this morning and after being on hold for a hundred years and several attempts, I reached a non-attorney debt collector by the name of XXXX, who stated that I need to recant my complaint with the CFPB before they can talk to me. I then contacted the CFPB and was informed that they had no right telling me that. I then attempted to call them and with no avail.
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Consumer complaint received 2023-03-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (NC)

A person by the name XXXX XXXX ( XXXX ) called my place of work multiple times asking for me by name. When I looked up the phone number it states its a debt collector. I am not aware of any debts and it is illegal for a debt collector to call your place of work. Since it was multiple times I found it as harassment.
Consumer complaint received 2020-08-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Americas Car-Mart, Inc. (AL)

This company is reporting an alleged debt that is past the statute of limitations for my state of alabama. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GLOBAL CLIENT SOLUTIONS, LLC (AK)

Subject : Formal Complaint Against Global Holdings LLC to Consumer Financial Protection Bureau ( CFPB ) To the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Global Holdings LLC regarding significant unauthorized transactions and mishandling of funds from my account. As of XX/XX/year>, Global Holdings LLC holds an unauthorized balance of {$1900.00}, which represents the entirety of funds in my account due to their mishandling and loss of an additional {$6500.00}. Despite repeated attempts to resolve this matter directly with Global Holdings LLC, they have not provided satisfactory explanations or remedied the situation. Their actions have caused substantial financial harm and are clear violations of consumer protection laws. I urge the CFPB to investigate this matter promptly and seek restitution for the total amount of funds unlawfully taken and mishandled by Global Holdings LLC. 
Global holdings has many shell companys XXXXXXXX XXXX XXXX being one of them.
Consumer complaint received 2023-03-22
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. (ND)

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. 

Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : 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 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 2023-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

I paid off my XXXX XXXXXXXX XXXX XXXX in full on XX/XX/21 in the amount of {$1700.00} and never made any more purchases after that. Now theres something in collections for $ XXXX regarding this credit card. This is NOT a valid debt and the collection company and credit card company refuses to drop it. I filed disputes with all the credit reporting agencies and they contest its a valid debt. I did NOT make anymore purchases after I paid it off. Please provide PROOF in the form of security video that I was the person that made these purchases. I did not make any more purchases after I made that payment!
Consumer complaint received 2019-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

My first mortgage is with Ocwen Loan Servicing, LLC and my loan number is XXXX. A few months ago, I started paying my mortgage every two weeks to cut out some of the interest on my mortgage. I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX telling me that my account has been transferred. The letter states that the ownership was transferred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. They indicate that the ownership has not yet been publicly recorded. I still pay Ocwen with the same information. On the second page, it indicates that partial payments " may hold partial payments in a separate account until the rest of the payment is received, and then apply the full amount to the Account ''. Basically, they are trying to keep me from paying the mortgage every other week or if I do, they are not going to credit the account until payment in full is made.
Consumer complaint received 2022-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was attempting to sell an item through marketplace, the buyer requested a transaction through XXXX. I was not familiar with XXXX so when I received emails from them they seemed legitimate. They were asking for more money to be put in to make it a business account. I unfortunately fell for the scam. I lost {$200.00}.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$92.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NH)

I am an XXXX XXXX on XXXX XXXX. I have student loans serviced through XXXX. I enrolled in the Public Servant Loan Forgiveness ( PLSF ) Program. Per the program guidelines, I pay monthly payments, the amount is determined by my income and family size. I submit income, family information as well as employment certification forms annually to remain in the program. After 10 years of monthly qualifying payments, the remainder of debt is forgiven. I submitted the required paperwork on XX/XX/2018 while I was forward XXXX in XXXX. To date, XXXX has yet to give me credit for the monthly payments I made. Next month, I will submit my documentation again as required my the PLSF stipulations. I have contacted XXXX numerous times about the delayed processing of my employer certification and a corresponding lack of credit toward my loan forgiveness. Every time I contact them they say it can take 6 months or longer, yet it has been over 11 months since I submitted the paperwork. I am going to submit my next set documentation for the PLSF program next month. I am concerned with the backlog of credit given for qualifying monthly payments to my account since they have yet to process my payments for this year 's monthly payments. Given their lackluster customer service, I have no faith in their ability to conduct multiple reviews of my status without making a mistake that will result in delayed loan forgiveness.

Thank you in advance for your time and consideration on my behalf.

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2022-07-16
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. (CO)

XXXX XXXX XXXX  XXXX auto loan opened XX/XX/XXXX amount charged off {$4500.00} and written off {$5400.00} account charged off XX/XX/XXXX no payments due no monthly payments in accordance with the fair credit reporting act 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 a account without my written instructions
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NV)

AFNI ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2019-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: DISCOVER BANK (MD)

I assumed the personal loan at 13.99 % interest would be amortized like a regular credit card loan. I have fixed 84 payments and i have made 23 payments so far. The initial loan amount was {$35000.00} and the monthly payments are {$660.00}. All 23 payments made so far on time. This totals {$15000.00} in total payments made over 2 years and my balance has only declined by {$6600.00}. More than half of my payment has been going to interest payment, like a mortgage. I feel this is wrong and was not explained
Consumer complaint received 2019-09-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CA)

I have never done business with this company and they repeatedly call my phone multiple times per day and sometimes call from different numbers. I have let them know they have the wrong number and to stop calling my phone but they consistently call every day. 

Some other numbers they use are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TN)

I submitted complaint id XXXX XX/XX/2019 my personal loan was created in bad- faith as to the terms. 
The representatives were deceptive as included in the recorded call supplied from XX/XX/XXXX Correspondence was never sent to me as requested. 
My credit card spending privileges have been suspended despite making timely payments
Consumer complaint received 2018-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (SC)

Friday, XX/XX/2018, I received a deposit/credit from a merchant for {$35.00}. Navy Federal transferred that money from my checking account to one of my credit cards, without my permission. I am days behind on the card, but blocking me away from my  checking account is absurd, especially this being my first time. I haven't had any income for months now and I tried to get help before it got to this.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion, XXXX, XXXX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting TransUnion, XXXX, and XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, TransUnion, XXXX and XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if TransUnion, XXXX, or XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. TransUnion Commission file number XXXX. XXXX Report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX will be filing form XXXX treasury XXXX forms to audit consumer 's account. TransUnion is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : DEPT OF INTERIOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

XXXX and XXXX have contacted me numerous times regarding the past sue balance I have with CheckSmart. I have not been contacted on the phone number I have provided them ( XXXX cell ). In XXXX they contacted me at the main work number ( XXXX ), one of the ladies in the front office ( XXXX  ) answered and when transferring the call to me, she asked if I was in legal trouble because they guy on the phone made it sound like I was in serious trouble. In XXXX ( XX/XX/ ) they called the main number again and got transferred to my desk. I spoke with a man and told him to not contact me at work anymore and I gave him my cell number ( XXXX ). Today I got another call from a man, I asked several times for the address of XXXX and XXXX, he refused to give me the address, instead he told me that he would send a form over verifying my wages because they were going to garnish my wages. I told him to not contact me at work anymore, then hung up. I can NOT receive calls like this at work. It is putting my job in jeopardy. I feel like these are unfair collection practices. They have threatened legal action, refused to stop contacting me at work, and now threaten to garish my wages. They also have never used the mini Miranda when speaking to me, I didn't even know they were debt collectors at first when they were threatening legal action, stating I had two judgements against me. 

Additionally, I have not been provided with any documentation that I owe a debt, after multiple requests.
Consumer complaint received 2019-09-12
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. (IL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THOSE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THESE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.