davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (GA)

To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-02-23
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. (NC)

I have a fraudulent account from XXXX XXXX I did speak to them and they said they would respond to Equifax and delete it see letter enclose
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collection Systems, Inc. (MT)

This alleged debt originated from a homeowners and auto policy from XXXX XXXX XXXX XXXX. During the policy period, they transferred funds paid by escrow from our home owners policy and applied it to a separate auto policy thus creating a shortage on out premium for the home owners policy without notice. This lead to the cancellation of our homeowners without our knowledge. We learned about this from our mortgage company when we received a notice of intend to foreclose for not maintaining insurance on our home. We quickly engaged another company to provide insurance. 

On XX/XX/XXXX, we filed a complaint with the XXXX XXXX Montana XXXX, XXXX XXXX XXXX XXXX XXXX, case number XXXX. XXXX XXXX XXXX handled the investigation. Upon completion on XX/XX/XXXX, XXXX XXXX XXXX XXXX was found " at fault ''. 

The ruling forced XXXX XXXX XXXX XXXX to change their method of conduction business within the XXXX of Montana. Additionally, XXXX has issued us a refund of {$100.00}. 

Through the adjudication process, it was deemed that all accounts were settled and this was confirmed by XXXX XXXX. 

On XX/XX/XXXX, I was contacted by a Collection Agent, XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX. They were attempted to collect a debt of {$1600.00} allegedly owed to XXXX. Even though I supplied this with the legal information from the XXXX of Montana, they placed this on my credit report. They had no interest in verifying the information from the XXXX of Montana. I ended up paying them {$1600.00} in order to remove the negative reporting on the credit bureaus. 

Now that I have completed my real estate closing, I am seeking to correct this wrong and recover the {$1600.00}.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am having a very difficult time with Rushmore XXXX. I had become unemployed and the COVID 19 Pandemic has dragged out my situation. I have am now on social security and have my son living with me to help with the mortgage. I also now have a renter paying {$1000.00} per month to help with my income. I am able to afford the mortgage and based on modification guidelines my income should be approved. 

After the COVID 19 Forbearance I applied for a modification. The problem I am having with Rushmore is they declined me for not having any income and and stated to me I have had 3 modifications. Both are false. I feel like Rushmore is being very predatory and not truthful.
Consumer complaint received 2021-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Concord Servicing Corporation (AZ)

In XX/XX/XXXX, I hired an HVAC company called XXXX XXXX to replace our AC/furnace. They offered financing through a company called XXXX XXXX XXXX ( XXXX XXXX, IA ). The interest rate I agreed to and that is clearly indicated in the handwritten proposal/contract I signed on XX/XX/XXXX was 9.9 % fixed after 12 months with no interest. 

On XX/XX/XXXX I received notice that XXXX XXXX had sold/transferred the servicing of my account to Concord. In XXXX of this year I finally went online to check the account and saw that Concord has been charging me 11.95 % interest. I emailed to request a correction and was sent a typed contract ( a " Copy of Original '' ) that I had never seen before and did not sign, although there is a XXXX XXXX XXXX Facts '' / '' Disclosures '' page with my signature on it. ( This page includes my name printed by some other than me. ) Key to the issue is that this contract indicates 11.95 % interest rate on the terms page ; however, the original handwritten contract is included as the last page, and it clearly shows the 9.9 % rate. Again, I did not sign an agreement for anything but 9.9 % interest. This company is engaged in fraudulent activity, specifically apparently electronically forging my signature after creating a sham contract that does not reflect the handwritten agreement I signed with the XXXX XXXX sales agent present in my house.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I contacted Community Bank on three occasions because the company is erroneously reporting to transunion that I made late payments on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. However, my account with Community Bank/ Victoria 's Secret has been closed since XX/XX/2020 and paid in full. I have not been late on making any payments in 2020 and this information is incorrect and needs to be removed from my credit report.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX {$16000.00} XXXX {$1700.00} XXXX XXXX XXXX {$900.00}
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$16000.00} XXXX {$1700.00} XXXX XXXX XXXX {$900.00} XXXX  XXXX {$2200.00}
Consumer complaint received 2021-05-06
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. (CA)

Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (VA)

Dear Complaint Service Team, I am writing to seek urgent assistance regarding an issue with a missing instant deposit from my Cash App to my XXXX XXXX business account. On XX/XX/XXXX, at XXXX am, I initiated an instant deposit of {$300.00} from my Cash App account to my XXXX XXXX business account. However, despite Cash App confirming the deposit, the funds never reflected in my XXXX XXXX account. 

I have contacted both Cash App and XXXX XXXX XXXX XXXX through chats, support requests, and customer service calls, but I have not received any resolution or assistance in recovering my missing funds. Cash App provided me with the following transaction details : - Deposit Amount : {$300.00} - Date of Deposit : XX/XX/XXXX at XXXX am - Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX - Last XXXX of Debit Card : XXXX - Transaction ID : XXXX I believe that the Transaction ID provided by Cash App should enable XXXX XXXX to trace the deposit. However, XXXX XXXX has been unable to locate the deposit, and both Cash App and XXXX XXXX seem unwilling to take further action to help me recover my funds. 

I am willing to provide any necessary information to assist in resolving this matter promptly. Please advise me on the next steps to initiate an investigation and recover the missing deposit. I am attaching the requested information below and stand ready to provide any additional documentation required. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX
Consumer complaint received 2022-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (GA)

I entered into a consumer credit transaction, on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX I realized back in XX/XX/XXXX, I was violated in a few ways, I'm listing here, As I said a consumer credit transaction, ( 1 ) rushed ( robo signing ) ( 2 ) no rescission documents of any kind ( 3 ) no mention of my right to rescind the agreement ( 4 ) Consumer Credit Transaction does not include any payments in cash value ( 5 )
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

General Motors is incorrectly reporting me late. These payments were made on time. I don't know how they made this mistake, but the lates need to be taken off. I have a statement that shows I paid on time.
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (VA)

I have sent a letter of debt verification to collection agency on XX/XX/2020 and they received it on XX/XX/2020. The agency didn't respond to my letter but stopped all communication with me for a few months but recently have begun to phone me several times a week. The phone calls began on XX/XX/XXXX and XX/XX/2020 and though this month as recently as XX/XX/2020.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (LA)

In accordance with the Fair Credit Reporting ACT, this creditor has violated my rights under 15 USC 1681 section 602 i have the right to privacy15 USC1681 section 604a 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 as late for any purpose.
Consumer complaint received 2022-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio is making unauthorized access to my credit report in violation of the FCRA A thief used my Identity and social security number XXXX to obtain credit that Portfolio Recovery Associates now owns therefore any and all letters that XXXX sent to my attention prior to 2022 was not received by me because it was mailed to the identity thieves whose addresses were used to open those fraudulent accounts at XXXX XXXX XXXX, XXXX XXXX KY XXXX. The records that XXXX has purchased do not reflect a contract to pay signed by me, the contracts to pay were only signed by the identity thieves who stole my identity to open said accounts that are now owned by Portfolio Recovery Associates using my social security number XXXX. A debt collector only has permissible purpose to obtain a consumer 's credit report if they have active collection authority. FCRA 604 ( a ) ( 3 ) ( A ). Because the debts owned by Portfolio Recovery Associates using my social security number XXXX are all as a result of identity theft and fraud that means Portfolio Recovery Associates do not have a permissible purpose to obtain my credit report. On XX/XX/2022 Portfolio Recovery Associates provided me information to relay to them that I am a victim of identity theft. I emailed XXXX a copy of a FTC Identity Theft Report on XX/XX/2022. 
The ONLY way I became aware of Portfolio Recovery Associates is because their name is listed on my credit report as they are making many credit inquiries even though they have no legally permissible purposes and I am again notifying them to immediately cease accessing my credit report. The FCRA requires that a party requesting a credit report must provide one or more of the permissible purposes set forth under FCRA 604 if the consumer has not provided express authorization to the CRA for the debt collector to obtain a credit report. Since there are no AUTHORIZED unpaid debts for which Portfolio Recovery Associates has active collection authority, then they lack permissible purpose, and their inquiries are a violation of the FCRA. On XX/XX/2022 I have again disputed the inquiries via CFPB and directly to Portfolio Recovery Associates via email at XXXX and have advised Portfolio Recovery Associates that they have no active collection authority and any and all documents in their possession were not signed contracts by me nor authorized by me and in fact were a result of identity theft/fraud. Portfolio Recovery Associates can not refute that I am a victim of identity fraud/theft. Portfolio Recovery Associates is knowingly continuing to violate FCRA by accessing my credit reports.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo hasn't answered me in regards to a debt that is being reported incorrectly on my credit report. I have asked them to send me documents for this account including payments, letters of increases in interest. They only reply with the dates it was open, closed, and when it when into charge off. The credit bureaus are reporting different delinquency dates, one shows XX/XX/XXXX and the other XX/XX/XXXX.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITY NATIONAL BANK (NY)

We are a small woman owned business with XXXX employees. None of them other than myself has access to the banking account as they are not sufficiently senior. For 10 years we have been wiring in our payroll to XXXX to pay the employees, for social security and medical withdrawal. City National changed to a two-factor system that requires XXXX different people to authorize payroll wires to XXXX  from the bank account. We have had multiple phone calls and emails to discuss that this is not possible for our small business and have only received the run around from City National. I tried to wire in payroll for my employees but was denied access to my own account because of their inflexible system and inability to address the needs of a small business. Now my employees will not get paid!!!! 
XXXX  the payroll service will charge us a fine and still we get no help from City National. I am also writing the FED and our Senators but they never help small business. Maybe you can. Once again small business killed by big banks and inflexable regulation created by the government. XXXX XXXX and other money center banks do not take small accounts such as ours and other small banks are going under in XXXX. We do not know where to bank. Maybe you can help. Thanks
Consumer complaint received 2022-04-27
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. (SC)

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

They also have neglected to list the creditors on my Equifax report for XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions.