davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield & Associates served me papers with an email to respond to for collection of medical bills. i responded letting them know that I was affected by a federal disaster during covid. Colorado had issues with unemployment and I was one of the thousands affected. My XXXX was shut down by the state for 4 months, I still am waiting on my unemployment that has been approved but due to technical issues with the state can not be paid out yet. I lost my home and moved in with relatives. I recently went back to work full time a month ago. They are saying they never received my response and I have email proof and are trying to garnish 20 % of my paycheck when Colorado passed a bill HB19-1089 exemption from garnishment medical debt : if a persons income does not exceed 400 % of poverty guidelines they are not allowed to garnish. Bill became effiective XX/XX/XXXX. Here is the Bill : XXXX XXXX XXXXXXXX I only made XXXX as a XXXX and that varies bc I am commision. 
The XXXX Federal Poverty Level in colorado for an individual is {$16000.00} in yearly income. 

Federal poverty level calculator off of my last check of {$1600.00} shows me at 323.03 % XXXX XXXX XXXX 

I am definitely exempt from medical garnishment from all of this data. 

If they garnish 20 % I will not have my rent and I just went back to work full time after covid federal disaster.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan on late for any purpose.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am filing a complaint on my own behalf. I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Consumer complaint received 2018-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MD)

There are two fraudulent checks cleared from my Citibank account by the same criminal individual ( altered my paid amount on the paper checks and submitted those ) for which I immediately notified citibank 20 days back. Filed police report and faxed my affidavit forms immediately to Citibank and they confirmed me on receiving the documents. However the bank made no effort to return my {$800.00} even after knowing this is forgery.
Consumer complaint received 2021-10-22
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: Experian Information Solutions Inc. (GA)

XXXX  card inquiries reflected on my credit reports ( Experian and XXXX ) twice on XX/XX/21 and XX/XX/21. 

XXXX  inquiries reflected on my credit reports ( Experian and XXXX ) three times on XX/XX/21, XX/XX/21 and XX/XX/21
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Over the last 4 years Equifax has allowed a property management company, XXXX XXXX XXXX to report inaccurate information to my credit file. I have disputed this information 8-10 times, along with documentation to provide proof of the account, which is being reported as a loan/bank loan account, now a Mortgage account. This is a property management company, where I was on a month-to-month lease. After resignation of my job ( XXXX XXXX XXXX XXXX they manipulated my payment ledger, and filed eviction for not payment of rent. It was granted in their favor, a judgement for {$1500.00}. Within a month they reported a loan account of {$5300.00} to my credit file. Under the XXXX XXXX Companys name, not the Apartment Complex for whom the judgement was given. Theyve charged me for no 30 day notice ( eviction filed ) breaking a lease contract, a reletting fee, bogus cleaning fees, and damages they refused to fix while living on property, for the company I worked for. I have been fighting this company for 4 years first with credit repair, To settle, Equifax, and now a bankruptcy because they refuse to report accurate information so that the debt be settled. I could not pay two separate debts, for the same company. It took 3 months to get them to discharge the debt by federal court order. I had to have my attorney contact them. They are to date reporting inaccurate information, in violation with the law including The Fair Credit Reporting Act, as well as my entitlement to a fresh start in bankruptcy. They have kept me from having a place to live, and have complicated my responsibilities at my job because of inaccurate information reported to my credit. I have contacted the civil department in the court where judgment was given, and was told that the company must send a letter of release to have the judgment disposed, because the debt has been discharged. I have been unable to get their cooperation. This is unfair. Life altering. Also a double Jeopardy issue. A judgment stands for their apartment complex, and what they have reported is a different amount as a loan, instead of a collection. They know when you apply for an Apartment, multiple mortgage accounts disqualifies you from renting. My first mortgage was a home lost in XXXX. They are reporting a second, and a judgement they refuse to release Although the federal court has discharged the debt.
Consumer complaint received 2018-03-03
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. (VA)

On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.
Consumer complaint received 2021-07-20
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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC (TX)

I sent National Credit Adjusters a request to validate account via certified mail. National Credit Adjusters responded on XX/XX/XXXX, stating that they received my written request but it may take National Credit Adjusters more than 30 days to investigate. As of today, XX/XX/XXXX, I still have not received a response from National Credit Adjusters validating this Unverified/Inaccurate information which is a violation of Section 623 ( a ) ( 8 ) ( D ) of the FCRA, if you can not verify because you sold the referenced account with disputed information, then you are reporting " Unverified/inaccurate information '' -- which is a violation of Section 623 ( 2 ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.

In addition, this request is non-compliant because under State and Federal Statutes a response should have been received within 30 days or item should be deleted from my credit file. I reserve the right to file charges and take legal action to recover damages, if this is not removed from my credit profile immediately.
Consumer complaint received 2022-04-28
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)

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 thats that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2021-12-08
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: AES/PHEAA (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I entered a consumer credit transaction with the following companies : FEDLOAN SERVICING and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and XXXX. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on 2 occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 
In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (CA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NJ)

On XX/XX/2021 AMSHER COLLECTION SERVICES INC has reported a collection claim on my credit report of {$730.00}. This claim was disputed about 8 months ago with XXXX XXXX XXXX and was removed from my credit report. This is linked to a fraudulent account opened under my name with XXXX which has been already resolved.
Consumer complaint received 2021-07-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Key 2 Recovery, Inc. (OH)

KEY 2 RECOVERY INC Date opened XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Balance {$5200.00} Original creditor INDIANA XXXX UNIVERSITY Reached out to company to get debt cleared as I dropped out of college and later that day they added this debt to my name the same day I dropped out. Never went to any classes. This is not my debt as I never attended and dropped out
Consumer complaint received 2021-06-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (TX)

Dear CFPB, I took out a Title Loan from XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) on XXXX. The AMOUNT FINANCED was {$5300.00} at 76.32 % APR. 

The Contract states there would be 42 Payments of {$360.00} totaling {$15000.00} ( TOTAL OF PAYMENTS ). I fulfilled the Contract by making 47 ON-TIME Payments of {$360.00} totaling {$17000.00}. This was {$1800.00} MORE than the Contract says I owe. 

However, XXXX just repossessed my vehicle on XX/XX/2021 and are now claiming I owe them {$11000.00} MORE to get my vehicle back! 

I don't believe they have the right to seize my vehicle after I paid 47 ON-TIME Payments when the contract only calls for 42 payments. This loan should be paid off. 

Now they have repossessed my vehicle and are demanding I pay them {$11000.00} more after I have already paid them {$17000.00}? On a {$5300.00} loan? This makes no sense. 

The Rep I spoke with said they are planning to sell my vehicle if I don't pay them right away. Please investigate this as soon as possible and let me know what can be done to get my vehicle back. I heard you might be able to help. 

Thank you, XXXX
Consumer complaint received 2022-04-28
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. (CA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have contacted XXXX, Experian and XXXX several times concerning the account with XXXX XXXX. The information has always been inconsistent and each time, each bureau stated that either the information was accurate or no errors were found.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (CA)

My old credit card account with XXXX XXXX was paid in full and closed by me. However on my credit report it still displays a current balance and is reporting as a charge off, my account was never charged off and any fees or payments on the account was paid in full at the time of closure.
Consumer complaint received 2022-10-13
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. (GA)

I HAVE ACCOUNTS THAT I HAVE REPORTED AS FRAUD TO BE REMOVED FROM MY CREDIT REPORTS I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATLY.
Consumer complaint received 2021-10-22
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

XX/XX/2021 1 ) Citizen One ( bank ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (IN)

This is a two part complaint ... one the credit reporting agencies such as credit karma, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. On XX/XX/XXXX scores reporting XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, XXXX XXXX, XXXX XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last year XX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collections XX/XX/XXXX and reported to XXXX. I started making payment beginning XX/XX/XXXXto XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported on XX/XX/XXXX score XXXX  a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is a two part complaint ... one the credit reporting agencies such as XXXX XXXX, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. OnXX/XX/XXXX scores reporting XXXX  XXXX, trans union XXXX, XXXX XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, transunion XXXX, XXXX XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last yearXX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collectionsXX/XX/XXXX and reported to XXXX. I started making payment beginning XX/XX/XXXX to XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported onXX/XX/XXXX score XXXX  a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.
Consumer complaint received 2017-12-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Servatus Corporation (AL)

I have attempted multiple times over the last several years to contact this creditor to settle debt and remove from my credit profile but i have been unable to receive any responses from mail email or any other source of communication medium. 

prior to their communication going dead i received multiple threatening calls to have me arrested and put in jail and after i was attempting to develop a re-payment strategy this company become difficult and impossible to contact.
Consumer complaint received 2021-10-22
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: Santander Consumer USA Holdings Inc. (OK)

Their were hard inquiries on my credit report that were not authorized by myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SANTANDER CONSUMER USA- XXXX/XXXX/XXXX XXXX XXXX XXXX OF- XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-12-09
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. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2021-06-01
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Massachusetts Educational Financing Authority (DE)

I applied to refinance my private student loan with MEFA and was denied. The reasons for the denial are unacceptable. My credit score is XXXX. They stated that I do not meet their minimum qualifications. There is no explanation what exactly they based their decision on.. I believe they denied my application due to age discrimination.