davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (FL)

On XX/XX/2023 I parked in a parking lot owned by XXXX XXXX XXXX XXXX ( address listed on the ticket for this company is XXXXXXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX, GA XXXX but on the collection notice I received from OxygenXL the address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX ) - phone number XXXX ). The payment for this parking lot is through a kiosk. I paid for my parking at the only kiosk in the parking lot that was situated about XXXX feet away from my parking spot. Furthermore, there was signage all around this parking lot stating that it was controlled by the kiosk I paid at. I have proof of my payment. I received a ticket saying, " Failure to pay - Payment displayed not for this facility ''. When I disputed the ticket I asked for further explanation and proof on how the payment remitted was not for the facility seeing as I paid at the only kiosk in the parking lot and the kiosk and the signage said it controlled the parking lot. The response I received from PPM was simply that my dispute was denied with no further explanation. 

I would also like to note that on the ticket I received the vehicle listed is a " dodge ram pickup XXXX XXXX ''. I own a XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Another detail that makes me question the validity of the ticket. A representative of XXXX named XXXX issued the ticket so maybe he made a mistake. 

Now OxygenXL a collection agency is sending me collection notices. I ask OxygenXL to provide the same proof I asked for from PPM. The response I received from their subpar debt verification was, " We reviewed your request and confirmed the account information above is accurate, '' yet they did not provide me with any proof or detail as to how they confirmed that I did not pay for the facility that I was parked in. 

Lastly, I would like to note so there is no question in this matter, my proof of payment shows the expiration for my parking was at XXXX. The ticket I received shows it was issued at XXXX.
Consumer complaint received 2022-12-15
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. (AR)

I discovered that some of the information being reported by the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (AR)

I discovered that some of the information being reported by the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TX)

I am being victimized by Midland Mortgage with a predatory loan. I bought my home in XX/XX/XXXX and MM bought the mortgage in XX/XX/XXXX. I paid my mortgage payment each month. MM sent a letter in XX/XX/XXXX stating due to a shortage in escrow I owed XXXX or my payment would increase from XXXX to XXXX. MM created a shortage by purchasing windstorm coverage and charging me double. I contacted the hope helpline and a HUD-approved counselor who negotiated a loan modification. The counselor told me the payment was XXXX with 5 yrs added to the mortgage, she also told me it was legal for MM to charge double so to have a cushion. I later received a letter from a law firm who was suing MM because for doing this to many. It became a class action. I got a check in the mail for XXXX, MM got to keep the rest of my XXXX that they stole from me. A person from MM called me in the last week of XX/XX/XXXX and told me the new payment was XXXX due XX/XX/XXXX, I paid it. In the last week of XX/XX/XXXX MM sent a letter saying I was past due on my XX/XX/XXXX payment. I complained to XXXX XXXX. A person named XXXX calls me and tells me the payment was applied to XX/XX/XXXX and wanted me to pay an extra 100 a month to make up the missed payment that I actually did not miss, It's just a scam ran by MM. I paid 50 extra for months and MM reported me late each month to the credit bureau. In XX/XX/XXXX my payment was XXXX which included homeowner, windstorm, and taxes. MM raised my payment to XXXX in XX/XX/XXXX. I believe an investigation would prove MM increased the payment illegally. ( MM ) Midland Mortgage.
Consumer complaint received 2019-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (GA)

I was enrolled in the Auto Debit program with Sallie Mae to repay my loan. Payments are taken automatically on the 17th of every month. I re-enrolled in school full time and finished that process in XXXX. Classes started XX/XX/XXXX, which would be the date my loans went into deferment as well. On Thursday, XX/XX/2019, I checked my bank account and Sallie Mae had taken the Auto Debit payment, though they shouldnt have, and put my bank account in overdraft of over - {$200.00}. I contacted support that same day and they confirmed it should not have been taken out. They submitted the request to refund the payment but said it would take 3-5 business days. I checked my bank account the next morning, Friday, XX/XX/2019, to see if my direct deposit from work had been deposited, and I discovered a new overdraft fee from my bank plus my entire paycheck from work was applied to the negative balance. Because of Sallie Mae and their mistake, my entire check from work was applied to the negative balance, as well as the {$35.00} overdraft fee that I wont be reimbursed for once Sallie Mae refunds me, and any business I need to handle with my paycheck wont be taken care of resulting in even more late fees, and there is nothing I can do about it.
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NC)

I have successfully disputed this account and had it removed from my credit files. It recently showed up again on both my XXXX and XXXX credit reports XX/XX/2019 with no notification to me. 

Its using 2 company names XXXX and Amerifinancial Solutions
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

According to the XXXX XXXX XXXX XXXX, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect collect a debt from me. I mailed them the template collections letter that this website provides on XX/XX/19, and the section from the XXXX that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the XXXX because it corroborates the policy set in place that I am talking about. Thank you!
Consumer complaint received 2023-03-21
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. (IL)

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. 

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 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 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 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 2023-03-21
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. (GA)

I am writing this letter because I am very concerned. I recently updated some information on my credit file with XXXX and Equifax during the months of XXXX and XX/XX/XXXX. 

Now 2 weeks later, there are HARD INQUIRIES on my file for both credit reporting agencies : 1. XXXX a. XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2. Equifax XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I filed an Identify Theft Report # XXXX on XX/XX/XXXX, which is attached. I also called both CRAs to have this information removed and they have not removed it yet. 

I DO NOT have a State ID or License, my passport is attached.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (OR)

TD XXXX XXXX was an XXXX XXXX XXXX credit card and is still showing as open on my credit report. I had requested the account closed about 6 months ago and they even mailed me a confirmation of closing. I since discarded that notice and the card believing it was closed. I called today to TD 's retail line and they say that my info doesn't show and I should call the 3 credit bureaus to get them to close the account on my credit report. I'm not sure why this is my responsibility.
Consumer complaint received 2018-05-02
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. (CA)

Please remove the following unauthorized inquiries from my Transunion credit report : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (MO)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus 11/30/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX : {$6800.00}
Consumer complaint received 2023-03-21
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. (MN)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-07-09
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion Consumer report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (SC)

Original closing figures differ from our final closing figures and TIAA Bank could not or would not explain why. The bank delayed giving us our final figures until one day before our closing. They also gave us an appraisal that was {$3000.00} less than what we paid for our home and we had to come up with {$3000.00} more for our closing. Poor business practice. We contacted the bank XX/XX/2019 to request our one time FREE float down from on our XX/XX/2019 interest rate lock in. From XX/XX/XXXX - XXXX, 2019 the bank senior mortgage loan officer could not or would not explain why we lost lenders credit. Original lenders credit was {$4800.00} our final lenders credit was {$3400.00}. We lost {$1300.00} with no explanation except I do not want to bore you with the details but you are getting a great interest rate. Our original lock in was 4.75 % and was reduced to 4.25 % WHICH was suppose to be our one time FREE float down. So how did we lose lenders credit? The only thing we can believe is that we were made to pay for our one time FREE float down since we got no other explanation. We had no time to go to another lender. Contractual we had to close on XX/XX/2019 or stand to loose our home to the builder. Unfair business practices to say the least.
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/2019 bank of America illegally closed my checking account and on at least 6 times I went into branch and called corporate office only to get yelled at and called nasty names they refuse to give my my funds back on this account I have a whiteness to everything I just want my money
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Revenue Recovery, LLC (VA)

On XX/XX/2019 at XXXX someone named " XXXX '' called may work and asked to speak with XXXX , I answer the phones at work and when I asked who was calling he said it was XXXX and asked if he was speaking with XXXX XXXX . I asked him again who was calling and what this was in regards to and he didn't answer, he had only asked again if I was XXXX XXXX. and asked me to verify my date of birth He did not tell me where or why he was calling. He wanted me to confirm my identity without providing me any information or verifying a debt that was owed. 

I had already spoke to someone else who had called my work and told them not to call this number. I let this person know today not to call this number anymore.
Consumer complaint received 2019-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (MN)

There were a couple months I was $ XXXX {$100.00} late on my payment. A few days after the due date, they call both my co-signer and me up to 10 times a day between the hours of XXXX even if we have already talked to them and explained the issue that day. We have told them many times to stop calling multiple times and they dont.