davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
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 XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report., has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I live in the XXXX floor of a XXXX story residential building that is actually located in a flood zone. My mortgage lender is threatening to impose a lender imposed supplemental flood insurance policy since the condo association master policy allegedly does not suffice needed coverage. XXXX XXXX covers a little over XXXX K per unit and they are requiring XXXX XXXX I really think is abusive and even stupid to require that I pay for extra flood insurance when in fact I live in the XXXX floor. It will require a tsunami to hit XXXX in order for my unit to get flooded. I believe this is an abusive practice and I feel that consumer need to be protected against it.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX for reporting an account that was my ex-wife 's responsibility following our divorce. Despite the clear division of financial responsibilities outlined in our divorce decree, the account in question has been incorrectly associated with me, leading to adverse effects on my credit report. 

Issue : The XXXX XXXX XXXX has inaccurately reported an account on my credit report that was solely my ex-wife 's responsibility as per our divorce decree. This erroneous reporting has resulted in unwarranted damage to my credit score and financial well-being. 

Specific Complaints : Misreporting of Account Responsibility : Despite the legal documentation clearly outlining the division of financial responsibilities post-divorce, the XXXX XXXX XXXX has failed to accurately report the ownership of the account, leading to unjust repercussions for me. 
Failure to Rectify Error : Despite providing evidence of the account 's ownership and the details of our divorce decree, the XXXX XXXX XXXX has not taken the necessary steps to rectify this error, causing ongoing distress and financial hardship.
Consumer complaint received 2023-03-10
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: ENCORE CAPITAL GROUP INC. (IL)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right 15 USC 1618 section 602 States i have the right to privacy 15 USC 1618 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 fot late purpose
Consumer complaint received 2019-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

This is not a duplicate. The company did not even address any part of this complaint The biggest joke of all is that I tried looking up and on my credit report are reporting that I owe them XXXX after paying XXXX on XXXX loan. This complaint is going to CA DOJ as well and this predatory loan I am XXXX they are just stealing money and ruining credit. I have filed complaint /dispute with XXXX as well. I belive this is XXXX going by a different name They did not respond to how I have paid them XXXX and owe them XXXX now. After I received a statement which was not sent until after I filed this complaint. They have never sent me one bill, or one statement on line. On XXXX loan and having paid them XXXX how is it even possible I owe them more than the loan. This is predatory and they did not respond to any of this in the letter. I have already taken this to a lawyer and spoke with CA ATTY General on this. They do not send any monthly information. Also no one has responded to my last email to them sent on the XX/XX/19. This company needs to be regulated. I requested to settle this for XXXX but they did not respond to that. They just glossed over the complaint. I will be posting everywhere warning people not to use them ever!! There is no way I should owe more than XXXX after paying them XXXX this is insane!!! I will just not pay them anymore every again
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

More than once I asked Experian to verify to me how they obtained the Bankruptcy information on my Credit Report when I asked them for their Method of Verification. Instead, Experian indicated to me that the Outcome Remains, by stating to me that the company that reported the information has certified to Experian that the information is accurate. Experian was able to tell me that the company certified the Bankruptcy as accurate on my Credit Report, but they also certified that they do not really know what company gave them the information, by saying that they MAY have obtained the Bankruptcy information through a third-party vendor, XXXX XXXX XXXX XXXX XXXX. 
How can this Bankruptcy information be certified as accurate when you do not know where you actually obtained it from? When you say MAY HAVE, that indicates uncertainty, also Experian said that the information came from the Courts, I asked the Courts in a letter if they give out Bankruptcy information to third-parties, such as Credit Bureaus, XXXX etc. and the U.S. Bankruptcy Court sent me a letter back stating that they DO NOT PROVIDE INFORMATION TO ANY CREDIT REPORTING ANGENCY. All documentation has been uploaded and attached to this complaint for proof and verifying. 
The FCRA under Federal and State Law says, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the Credit Reporting Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. Since Experian do not know where they obtained the Bankruptcy information and the Courts have confirmed that they do not provide Bankruptcy information to any third parties, such as Credit Reporting Agencies, this Bankruptcy is inaccurate and unverifiable and must be deleted!
Consumer complaint received 2020-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (GA)

Debt Recovery Solutions gets information from other company 's records that are no longer in use, records that have been charged in bankruptcy or debts that do not exist. They specifically prey on minorities and women, and I am both, a WOMAN and XXXX, they prey on this demographic because they feel we can easily be intimidated into paying money. I do not owe the debt and desire them to release me from it and to stop harassing me and remove it from my credit report.
Consumer complaint received 2022-09-17
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. (UT)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-26
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)

In XXXX, my mom helped me lease a XXXX XXXX XXXX and the financing was through XXXX XXXX XXXX. At the end of the lease, we turned the car in because I could not afford payments on it. The original sales person at XXXX XXXX XXXX wrote up my contract wrong for the mileage allowed during the lease, leaving my mom and I with a balance of {$1200.00} for the overage of miles. Neither my mom or myself could afford to pay XXXX XXXX XXXX at that time so we let it go to collections. On XX/XX/XXXX, I called and resolved this balance for full and final payment of the lien for around {$850.00}. They sent me a letter stating the account was paid in full and they would report it to the credit agencies as such. Fast forward to XXXX of XXXX, I tried to get a personal loan through a bank and they could not grant me the loan because my credit report was stating I still owed the full amount of {$1200.00} to XXXX XXXX XXXX. I called again in XXXX of XXXX, they apologized for the inconvenience and stated they would resolve it with the credit agencies. In XXXX of XXXX, I went to XXXX XXXX XXXX and bought a new car, but was told XXXX XXXX XXXX would not finance me because I still owed them {$390.00} from the original balance in collections. This is absolutely inaccurate and I do NOT owe XXXX XXXX XXXX a dime. This should be resolved as PAID IN FULL, not charged-off. This needs to be resolved ASAP. XXXX XXXX XXXX had 30 days from the day the {$850.00} was agreed upon and paid for to fix it with the credit agencies and they have still failed to do so. This is messing with my livelihood and is on my credit report to this day.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

Called USAA CREDIT CARD CUSTOMER SERVICE 2 years ago about credit alert that my credit score went down from XXXX to XXXX Representatives told me it was because I used XXXX $ on a credit card that I asked for a low limit to use online because are other card had XXXX $ of available credit We have never had a late payment had XXXX $ in available credit She told me because I used half of the XXXX $ credit limit. We then got in an argument about this I asked to report a complaint and they would put me on hold and disconnect from me this went on for 3 hours. Since then my credit report from XXXX has been lowered then the rest of companies. Usaa submits charges that are false on my card the credit reports are lowered on my report then my husbands 2 years this has been going on USAA HAS REPORTED THAT WE OWED XXXX $ false on our credit card. We have been so careful with are money I dont feel a representative should be able to do this to someone who has outstanding credit Please make this stop they recently added a XXXX $ charge that was disputed and refunded back on to my credit card to lower the score
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (GA)

I have an account with westlake financial services.it is an auto loan account and during corona virus, my account was reported as late in XXXX and XXXX. I was told to stop working at my job because covid happened and i have my letter to that effect. Before covid i had never missed a payment and i havent missed any payment since i resumed back in XXXX. 

I have tried to reach out to westlake financial several times but the agents put me on a hold for hours and cut the calls off without a call back. 

I just want the late payment report removed for XXXX and XXXX.
Consumer complaint received 2017-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

XXXX XXXX XXXX is charging an additional {$10.00} to make a mortgage payment online and if you pay by phone they also charge {$10.00} to make a payment. There is no longer a way to pay your bill without being charged additional funds to pay your mortgage. 

There website also often does n't work making it difficult to pay your bill in general
Consumer complaint received 2017-12-17
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. (TX)

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Consumer complaint received 2021-01-30
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/21 I deposited a secure check. I was told it was a cashiers check. This was from my new employer. He overnighted me a check to deposit in the amount of {$9500.00}. The next day he asked me to get a cashiers check with that money for {$5500.00} and deposit it into his vendors account at XXXX XXXX so he could purchase office supplies and have them sent to me. On XX/XX/21 I received Notification from Bank of America that my account was negative. 
I contacted my new employer and he said that was impossible for it to not clear and would call his banker. He emailed me and said everything was ok and his office supplies were purchased and there must be something wrong on his part of the bank and would get back to me. He has not returned my calls or txt or email. I called XXXX and they said because I deposited the first check in my account I was at fault here. They said because I purchased the second cashiers check with the money I have to pay it back. I explain the situation to them I told them that I felt I was a victim of fraud here. They confirmed that the original cashiers check for {$9500.00} has been stopped from XXXX XXXX. Which is the bank that the first cashiers check was from my new employer. It was an XXXX firm. XXXX XXXX. The mans name is XXXX XXXX. His business is supposed to be out of XXXX XXXX. He says he lives in XXXX Or now. He said he was originally from XXXX XXXX.
Consumer complaint received 2021-01-30
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. (PA)

In or around XX/XX/2020 I summitted a written complaint to the 3 CRA 's regarding XXXX  XXXX credit card account. 

I requested Correction/Deletions pursuant to my rights under the FCRA. The CRA.s have not responded.
Consumer complaint received 2019-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Due to the fact that we moved our residence, I did not receive my XXXX credit card bill where I made an unusual charge on XXXX XXXX for {$110.00}. When the XXXX statement arrived at the new address, I had forgotten about making the charge, so I didn't tell my husband ( he does the bill paying for the household ) and he never opened the bill, mistakenly assuming it was zero balance as it had been for many months. When the XX/XX/2019 bill arrived, my husband did open that and discovered the balance owed ( which now included two {$38.00} late fees plus interest ) and immediately paid the balance of {$180.00} on XX/XX/2019 via phone pay. The next day, we received a very curt letter in the mail from B of A dated XX/XX/2019 informing that my credit line had been reduced from {$16000.00} to {$500.00} due, in part, to current or past delinquency. WOW, such drastic action to take over a small missed payment. I have maintained an excellent credit rating with no other late payments with B of A or anyone else. I had this particular account for many years with no problems. Yet, because of one small mistake my credit line is decimated, {$76.00} of fees are taken on a {$110.00} balance, and now my credit standing is damaged. 
I wrote a letter to B of A explaining this very honest mistake that was made by a very good credit consumer and asked for one of the fees to be refunded and the delinquency to be rescinded from my credit report. I thought this was a very reasonable request. Instead, I received another curt response from B of A dated XX/XX/2019 stating that their information is accurate and they will not do anything. 
I am disgusted at the total lack of understanding or consideration of a very obvious mistake that happened for the most part due to our change of address, and that I am NOT a credit problem. The amount involved is miniscule, yet that damage my credit and charge me a penalty that is approx 75 % of the original owed amount. The kicker is that when we received our XXXX statement, there was yet another " minimum interest '' charge of {$1.00} added, even though we had paid the XXXX statement balance in full and on time ( as noted previously XXXX. Is this {$1.00} charge even legal?? 
I am asking for the adjustment of my account to include a refund of late fees & interest charged, a reinstatement of my credit line, and most importantly ; removal of my delinquency status from the applicable credit bureaus. I HAVE BEEN HARMED BY THIS FAR MORE THAN I DESERVE TO BE GIVEN MY HISTORY AND THE CIRCUMSTANCES. 
Thank you!
Consumer complaint received 2017-12-17
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: TCF NATIONAL BANK (TX)

In XX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FRESNO CREDIT BUREAU (CA)

The company, Creditors Bureau USA had contacted me via phone about a month ago asking for my personal information. I had told them that I do not discuss these affairs over and I will need written verification. They also told me that I could find this information on their website which is false as they only take payment on the website without a reference number. I am a victim of Identity theft and will need all of the information to make my written response. 

I sent an email this morning letting them know that I have not received my written communication.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (DE)

I opened a car loan with Santander Consumer USA in XX/XX/XXXX and was voluntarily repossessed in XX/XX/XXXX, since then they have charged off the account but is still adding interest and fees to the account as well as reporting and updating my Credit Bureau each month
Consumer complaint received 2023-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (CA)

I have sent a letter to WILLIAMS & FUDGE INC in XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. To date I have not received a response. This collection account is negatively impacting my credit that I am trying extremely hard to upkeep for my future and my children. 
The company responded here via a cfpb complaint attaching copies of bill statements that do not validate the debt, in addition they have not placed a notice of dispute on my credit report account.
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp (TN)

I have disputed this account several times through all 3 credit bureaus. No one has provided me with the contract showing I signed and agreed to pay this amount to this company and I have asked for it to be removed from my credit report. By law the company has to provide me with information on how they found this account accurate and also report information to my credit report accurately, and they have failed to do so.