davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
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. (NJ)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,has violated my rights


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot 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 2022-03-20
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: NCB Management Services Inc. (NJ)

NCB Collection Agency XXXX XXXX XXXX Acct # XXXX in the amount of {XXXX} has placed erroneous details on my consumer credit report, in which is currently causing me collateral damages for an investment deal in the amount of {XXXX}. UCC-9 Part 6 ( 9-625 ) REMEDIES FOR SECURED PARTY 'S FAILURE TO COMPL WITH ARTICLE. 
( a ) Judicial orders concerning noncompliance. 
( b ) Damages for non compliance states subjects to subsections ( c ), ( d ) and ( f ) a person is liable for damages in the amount of ANY loss caused by a failure to comply NCB and XXXX failed to provide me with proof of receipt of the pre-sale letter advising the vehicle is being sold in a public/private sector/auction. 

15 U.S. Code 1681 ( a ) Fair Credit Reporting Act # 2 exclusions 15 U.S. Code 1605 Truth in Lending Act Finance Charges includes an insurance premium that covers a lender if a obligor defaults or other credit loss is embedded in the finance charges. NCB and XXXX XXXX XXXX list the alleged debt as charge-off/collection inaccurate reporting ; a charge-off is a cancelled debt therefore XXXX collected the insurance premiums, list the account as a charge-off, which means XXXX XXXX XXXX not only collected the insurance but also got a tax deduction, then further went to sell this alleged debt to a debt collection agency ( NCB ) or debt buyer which means XXXX  got paid 3x on this alleged debt not to mention insurance and tax fraud. I will pursue remedy for collateral damages on this current real estate investment deal and any other future real estate investment deal after resulting in denial due to this inaccurate reporting on my consumer report by NCB and XXXX XXXX XXXX until this account is deleted and removed from my consumer report. Inaccurate and erroneous reporting 15 U.S. Code 1681b permissible purposes of consumer reports.

IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requesting cease and desist the reporting of incorrect/inaccurate information immediately.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Delete the following accounts, addresses, and inquiries listed below : EXPERIAN : Addresses : - XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX Accounts : - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX : XXXX - US DEPT OF ED/XXXX XXXX  XXXX - XXXX XXXX : XXXX Inquiries : - XXXX  XXXX : XX/XX/XXXX - XXXX XXXX  : XX/XX/XXXX - XXXXXXXX XXXX XXXX  : XX/XX/XXXX - XXXX XXXX  : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX  : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX  : XX/XX/XXXX - US SM BUS ADMIN ODA : XX/XX/XXXX
Consumer complaint received 2022-03-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC (MS)

FLAGSHIP CREDIT ACCEPTANCE is in direct violation of my consumer rights according to the FDCPA and FCRA. FLAGSHIP is reporting a debt that I legally do not owe. They are illegally furnishing data to the consumer reporting agencies which is a direct violation of 15 USC 1681s-2. Debt can not be reported if it's in fact income. FLAGSHIP CREDIT ACCEPTANCE is reporting the debt as being charged off and this is now considered to be a tax deduction for them filed by the SECRETARY of their company, and this makes this income for me according to the IRS. A consumer report does not contain income because it's a violation of privacy. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. FLAGSHIP CREDIT ACCEPTANCE has not issued my a 1099-C according to the IRS.
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: EQUIFAX, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$560.00} XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXXBalance : {$510.00} XXXX XXXXXXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} USDOE/XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-08-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Putting me on repayment plans that barely pays the principle and are solely allocated towards the interest without informing me of that. When put on a rate reduction program, Navient would not remind me to sign back up. Would charge me for higher interest rates while I was n't signed up. Had to resign back up through a very extensive process in order to be re-initiated into the rate reduction program. Aggressive and non sympathetic ways of analyzing my finances in regards to payment plans. I 've twice had agents think it was okay that I would be left with {$50.00} in my bank account balance at the end of the month after my expenses and Navient loans were paid that month. Have had multiple tactics stated to try and get me to declare forbearance even though payments have n't been missed since I was struggling to pay their monthly rates. Always received different answers from different employees regarding loan status/problems. Harassment- multiple phone calls to my cell phone and my parent 's home calling for collection for missing payment by one day. 8 years have gone by and I 've paid tens of thousands of dollars, yet my balance still remains the same.
Consumer complaint received 2022-03-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I was on a forbearance plan from XX/XX/XXXX through XX/XX/XXXX. When coming of of the forbearance plan I contacted the loan servicing company for a loan modification they denied so I contacted XXXX whom instructed them to give me the loan modification. At the time covid 19 was still very heavy in XXXX, I take care of my XXXX she came from school with covid we didnt know at the time, when she went home her XXXX called and told me that she had covid and that I needed to quarantine. While on my trial plan with the servicing company I was unable to make my XXXX trial payment on time which would have been my last trial payment. I have made the trial payment for XXXX XXXX and it was made within the threshold but the servicing company still refuses to comply I had to reapply for a new modification. I responded to the letter of denial for loan modification by email and in writing they are saying they didnt get them. At the time that I was offered the trial payment plan, I was trying to save money to bring my account current from post forbearance I had {$1100.00} dollars saved. I sent those payments to the loan servicing company because I was afraid that with school going back full force covid would flair up again and if I missed. Payment I would be secure with those payments in a suspense account. The loan servicing claims to have applied the payments to my account the same day which was XXXX XXXX, XXXX. Nothing came of off my balance due and Even-though I have a total of seven payments from XXXX XXXX until XX/XX/XXXX my balance due went up instead of down. The same day that I paid the {$1100.00} in XXXX {$860.00} dollars was removed from the account. When I call to talk to them they tell me things like Cooperate advance. I know that cooperate advance is a fee the loan services take for themselves and has nothing to do with regular things like escrow or taxes and insurance. They refuse to fix their misapplied payments which have been going on since XXXX. Trying to talk to anyone there or getting in touch with my point of contact is next to impossible. Theirs phone system do not have extension options and the email I have for him does not work, sometimes I wait on the phone for someone to answer and when they they dont have answers. I am afraid to make payments to them because no matter how much I pay them my balance goes up instead of down. Again this has been going on for over three years with the misapplied payments and they refuse to correct it or listen to me, and they refuse to all me to bring the loan current with a loan modification even after I was affected by covid
Consumer complaint received 2022-03-20
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. (PA)

My name is XXXX XXXX XXXX XXXX. I am writing in regards to my credit report. Information listed in file has been listed incorrectly. In response to these incorrectly listed items I am asking that they be deleted. I am a victim of identity theft and I did not make these changes. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2022-03-20
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. (MS)

TRANSUNION has been informed through several notices via certified mail and through the CFPB to correct the information on my consumer report. On XX/XX/2022 I sent an affidavit through USPS via certified mail and received verification for tracking number XXXX XXXX XXXX XXXX XXXX that my affidavit giving notice of violations was received on XX/XX/2022 at XXXX pm. They were given 5 days to comply within my affidavit and TRANSUNION has failed to respond in a timely manner and by law all violations must be corrected and penalty must be paid to me in the amount outlined in the affidavit.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCE CORPORATION (CA)

I have XXXX  credit monitoring service and was alerted of a an Inquiry for a personal loan. I immediately called the agency and advised them That I did not apply for a loan with them and it was frad withing minutes of the alert. The Inquiry still appears on my credit report
Consumer complaint received 2022-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma (PA)

On XX/XX/XXXX there were 4 unauthorized transactions amounting in {$1500.00}. The transactions were coming out of my new Credit Karma account. I contacted them and they advised me to contact the company that were taking the money out of the account. It turned out to be XXXX XXXX but I had no information to give them other than my name ( I dont have an account with them ) I opened 2 fraud cases with Credit Karma because the XXXX XXXX representative said it was my banks job to investigate and return my funds. Credit karma literally wrote back and asked me to email XXXX XXXX  and get an email stating they cant help. I had to transfer my remaining refund funds into my actual bank account. Im not sure what else to do. I havent even received a new card they just locked the one I have.
Consumer complaint received 2022-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

Hello, my friend sent me for XXXX {$1300.00} to my phone number, unfortunately a digital was wrong and other person received the money, I tried many time to contact the person, she never answered back, the person number is XXXX registered as XXXX XXXX, intried make a claim with Bank but they told me there is nothing I can do,, XXXX transfer are final, I can understand their policies but if I'm telling them that this person received the money this person should return it, other way is like a fraud, what will happen if I receive {$100000.00} money from the bank just because a bank mistake, well pretty sure they will try get back, at least I'm just asking to the bank to take step and call the person or block her account until she proff that the money was for her.. anyone can make mistakes, it not right that bank don't want help customer even when they know that they can help, they can call the person bank and investigate this matter. Thank you
Consumer complaint received 2022-03-20
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. (SC)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-20
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. (SC)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-20
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (MS)

FEDLOANS are illegally reporting negative payment history to the three nationally recognized consumer reporting agencies XXXX, XXXX, and XXXX. By doing so my consumer rights are being violated and pursuant 15 USC 1681a ( 2 ) ( A ) ( i ) and 15 USC 1681a ( e ). The late payments were never supposed to be reported. Pursuant 15 USC 1681b ( 2 ) I do not give consent.
Consumer complaint received 2022-03-20
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: JPMORGAN CHASE & CO. (FL)

I signed up for the chase freedom credit card, that comes with a promotional offer of {$200.00} if {$500.00} is spent within the first 90 days.

https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited I have spent over 500 $ in the first 90 days, and chase is refusing to give me my XXXX $ credit. 

I believe that chase is misleading new customers, and i am sure that i am not the only person with this complaint about this offer.
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (AR)

Midwest Recovery Systems of XXXX, Missouri has reported a medical debt owed of {$940.00} to credit bureaus. They claim that the debt originated from an emergency room visit at XXXX Hospital, XXXX, Arkansas, in XX/XX/XXXX. The collections account hit my credit report in XX/XX/XXXX. They gave the name of the doctor, XXXX XXXX XXXX, employed by XXXX XXXX XXXX XXXX XXXX, XXXX. I have contacted both XXXX Hospital and XXXX XXXX XXXX directly. Neither entity has any record of me visiting the emergency room in XX/XX/XXXX or of ever seeing that particular doctor. Both confirmed that I have XXXX outstanding balance. XXXX Hospital provided me with a signed statement on hospital letterhead confirming that the last time I was seen by the hospital was XX/XX/XXXX, and that I had no balance owed. Midwest Recovery Systems continues to claim that the burden of proof is on me to prove to them that I do n't owe this debt. I have requested written validation of the debt which they claim to have but have not provided yet. This negative hit to my credit report has caused me to lose eligibility for a student loan refinancing promotion that would have saved me {$7600.00} over seven years.
Consumer complaint received 2022-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I am a retired man living on a fixed income. On XX/XX/2021 at XXXX ( EST ) my entire savings, totaling {$34000.00}, was stolen through a series of online banking transactions in a matter of minutes. Someone hacked my account. 

I had {$7300.00} in my Citibank checking account and {$30000.00} in my Citibank savings account. Someone hacked into my checking account and made a XXXX transaction for {$2500.00}. The individual then immediately transferred it into my savings account. Then the individual used a wire transfer of the entire {$34000.00} savings account balance to another bank. 

I have attempted to have Citibank reverse the transactions including this {$34000.00} fraudulent wire transfer for several months now with no success to speak of yet.
Consumer complaint received 2022-03-20
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 Fair Credit Reporting Act XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-03-20
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. (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as a copy of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.