davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
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: Experian Information Solutions Inc. (FL)

In my situation, I have a satisfaction letter from a debt collection agency that was given to me. I have taken this and disputed all 3 credit reporting agencies. The results of their investigation has been unchanged and updated. I am trying to resolve a closed account under my credit report that is stating as a Charge Off/Collection from a repo and it needs to be changed to a settled debt. I have contacted all 3 parties and their managers of credit bureaus, XXXX XXXX ( original auto loan lien holder ) and XXXX XXXX XXXX which is formerly known as XXXX XXXX XXXX XXXX ( debt collection agency who purchased the debt ) to see what they can do. They all give me the runaround saying that there is nothing they can do to update my report. Here is my satisfaction letter attached to this complaint. I settled the account for less than the full amount of {$1500.00} for it to be closed. 

When I have spoken to XXXX XXXX, and XXXX  's dispute center over the phone their response for the unchanged status of that closed account is that they are only a reporting agency and that they have received a satisfaction letter but give this information to XXXX XXXX to verify. They said to contact XXXX. I have contacted XXXX and spoken to a supervisor over the phone named XXXX XXXX and she advised that there was nothing she can do as once the debt has been charged off and sold to another lender they wipe their hands clean with it essentially. As I contact the general manager XXXX of XXXX XXXX XXXX through his direct phone number he says that this scenario has never happened to him and that they do not report to the credit bureaus. He say 's " he acknowledges the debt has been settled as he knows i have the satisfaction letter but there was nothing he can do and to then further contact the bureaus again. 

The status under these accounts still are under Charge-off/collections and not settled. At the time all of these parties were contacted were the date of XXXX XXXX XXXX
Consumer complaint received 2021-09-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Key 2 Recovery, Inc. (MI)

Im receiving an collection notice from Key 2 Recovery. This debt was proven to be a fraudulent loan taken out by someone that stole my identity. I received clearance notices from the loan company ( XXXX ) and the Department of Education. This debt was proven to be fraudulent, now Im being harassed by debt collectors representing the college I never attended. XXXX XXXX XXXX.for XXXX. This is a proven fraudulent case. Im still being harassed after almost 6 years. Please help. 

XXXX XXXX
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lendmark Financial Services (FL)

To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My name is XXXX XXXX. I am a small business owner and my account for that business was housed with the financial institution known as, Huntington National XXXX. InXX/XX/XXXX an employee of the business I ran had access to multiple checks and account information. She used these checks, and corresponding account information to steal from the business and myself. {$2700.00} was the amount taken in a 40 day timeframe. I inquired and informed my local Huntington Branch the XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio. Now when this conversation happened, two things should have happened in tandem with one another immediately. 
1. Stop payments on the checks I informed the branch that I was missing 2. Account Closure. 
Neither of these required responses occurred. Instead the account continued to overdraft, expand upon the fees being allocated to my account, and eventually reported my overdrawn account to check systems as a " closed with a negative balance '' account. 
I filed a police report, I have a signed document that possess a notary stamp verifying that I swore to the fact and indemnify myself of these charges, I also attested this information to the Huntington Fraud Department. I have done everything they have requested, and instead of supporting me, a small business owner who had fraud occur on his account, through no fault or inaction of his own, they decide to tell me multiple times. They are busy. This gross negligence is unacceptable. I would simply like the fees removed, my case resolved, and the check systems report to disappear. In essence, I want Huntington to do their job.
Consumer complaint received 2022-09-08
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: National Credit Adjusters, LLC (TX)

Alerted that National Credit Adjusters placed a derogatory statement on my credit reports. I am a victim of identity theft. Someone used my information to open an account at XXXX. I called XXXX to notify them of identity fraud and I was told that they would open a ticket, what ever that means.
Consumer complaint received 2017-09-12
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. (VA)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Based on their instructions I was able to confirm that my information, to include personal identifiable information, was included in the breach. My identity is no longer reasonably considered to be " secure ''. Equifax was unable to safeguard the information. 
I understand that Equifax is a victim here as well, however, my entire identity is open to theft.
Consumer complaint received 2017-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (CA)

GLA collections has been calling someone else 's phone several times a week leaving voicemails with my name & that it is a collection. I got my credit reports & they are on my credit reports for the following : XX/XX/XXXX for {$1200.00} XX/XX/XXXX for {$280.00} XX/XX/XXXX for {$140.00}. 
I sent GLA Certified letters asking them to remove them from my credit report & XXXX if these debts are mine on XX/XX/XXXX. They only sent itemization of the accounts & nothing else on XX/XX/XXXX.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Company : USAA Summary of events : About XXXX of 2014 I called USAA to receive car insurance coverage. I had been covered by USAA but under my parents ' insurance policy. <P/>First phone call : They refused to discuss insurance coverage because my account had been flagged. Prior to this call my only business with USAA was that i was covered under my parents ' policy, I never opened any bank account or received any other services from them at any time, at all, ever. <P/>Second phone call : I called to ask about the flag on my account and see what it was for. They said that it was a fraud flag and they transferred me to their fraud department. I asked why I had a flag and they told me that it was for fraud and that USAA refused to do business with me. They refused to disclose any paperwork or information about the fraud or the nature of the fraud, I tried to explain that I was a victim and that I had n't ever done business with them other than be on my parents ' insurance policy and that I had no idea how this happened. They told me that they refused to do business with me and that was all.
Consumer complaint received 2017-09-12
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)

I filled out a form online asking for current VA mortgage rate quotes. I did not include my social security number on any form. This lender just sent me a letter telling me they could give me a mortgage after running my credit. When I checked 4 companies ran my credit, when I only authorize one of the four. My credit score took a hit from XXXX to XXXX because of this. I need it fixed ASAP because I am in process of buying new home and need best rate I can get.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

XX/XX/XXXX Debt Collector : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTN : LEGAL DEPARMENT cc : Federal Trade Commission XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX  XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX XXXX XXXX XXXX XXXX XXXX MIN # XXXX Note Date : XX/XX/XXXX NOTICE OF VERIFICATION DEBT or MORTGAGE DEBT PAID This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to XXXX XXXX XXXX AS TRUSTEE to disclose the following information regarding the loan account # XXXX : 1. Identify XXXX XXXX XXXX TRUSTEE headquarter and agents 2. Default date of Mortgage 3. Proof that the Statute of Limitations has not expired Your office failed to disclosed information of this debt validation letter since XX/XX/XXXX. This account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect or foreclose on the said Mortgage must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt/mortgage against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2022-04-25
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. (TN)

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
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 States : A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States : 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 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

My compliant is that Experian charges money to remove a security credit freeze for either temporary or permanent. This is against the Fair Credit Reporting act. They control my information against my consent. They are in violation of FCRA by charging a fee to remove a security credit freeze. I elected to have a security credit freeze due to the enormous breach at XXXX ( XXXX/2017 ) which jeopardizes my credit for my entire lifetime! I initiated security credit freeze 's with all three credit bureaus. 

Please advise, thanks. XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

I contacted Chase on 2 occassions by phone, requesting them not to send me any more 0 % Balance Transfer offers and checks by mail. They said they would stop and 2 weeks later, they send me some more junk mail. This company wont stop inspite of emails and phone calls to them to stop.
Consumer complaint received 2017-09-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (NJ)

On Saturday XX/XX/XXXX my wife and I traded in our vehicle financed through GM Financial to XXXX XXXX. The Manager called GM Financial notifying them of the trade in and asked for the payoff amount. The check was mailed the following week to GM to pay the vehicle off. I did not hear anything from GM Financial until XX/XX/XXXX that my payment was late. When speaking the GM representative they had no knowledge or notes of the vehicle trade in. I spoke with and also listened to the manager speaking with GM Financial. GM had not received the check. I immediately contacted the dealership and spoke with the manager who told me it was likely the check was lost in the mail and he would reissue another one. He also asked for the fax information for GM and sent them notification of what occurred and that a new check would be issued immediately. GM Financial disregarded all of this and still hit my wife and my credit for being 30 days late on payment. I have  sent copies of the faxed letters to all three bureau 's however they will not remove it from my report. I was in constant contact with GM as was the dealership. This needs to be removed from our reports.
Consumer complaint received 2021-11-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

During the housing crisis in XXXX, Ocwen Mortgage threatened foreclosure. 
XX/XX/2014 Doc # XXXX filed to foreclose on property XX/XX/2014 Doc # XXXX action has been dismissed XX/XX/2014 Doc # XXXX XXXX XXXX ( XXXX mortgage filed {$12000.00} XX/XX/2014 Doc # XXXX XXXX XXXX XXXX XXXX ( balance of {$12000.00} would be added to existing mortgage, new rate $ 4.5 % and ends XX/XX/2044 XXXX
Consumer complaint received 2021-09-06
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NC)

I have been a Citi credit card customer since XX/XX/XXXX. On XX/XX/XXXX, I called Citi at XXXX to request a replacement credit card due to the chip not working with my current card. They indicated they would mail the replacement card via US mail. Over a week went by without receiving the card, so I called Citi back on XX/XX/XXXX. The Citi representative indicated that he  would overnight a new replacement card at no charge to me. For some unknown reason, the Citi representative ordered two replacement cards to be sent via XXXX trackable overnight shipping. On XX/XX/XXXX, I received notification from XXXX that the cards had been delivered to my home and " left at front door ''. I checked my front door, and the neither XXXX package was there. I contacted both Citi and XXXX and spent a good part of my day concerned that my card ( s ) had been lost/stolen. I asked Citi to report my card as lost/stolen and overnight a new card to me with a new account number, and require my signature from XXXX since the previous two cards had apparently been lost/stolen. The Citi representative refused to require my signature. Later that day, I found out that the cards had been delivered to the wrong address. On XX/XX/XXXX, I noticed a {$6.00} " expedited card service charge '' on my transaction history that was assessed on XX/XX/XXXX. I called Citi and spoke with XXXX / XXXX and explained the situation and asked that she refund this {$6.00} charge. She indicated that she needed to perform an " investigation ''. I asked to speak with her manager, XXXX, who apologized and indicated that XXXX could have refunded the {$6.00}, but that he would take care of it on XX/XX/XXXX, following my statement end date of XX/XX/XXXX.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

I have a collection account appearing on my credit with Midland Credit. To my knowledge I am totally unaware of this debt and was not notified of such. I have been in contact with Midland, who is having a difficult time locating my information such as my name, address, dob & social. However, I am told to pay a debt that cant be validated.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America reported a " data compromise '' and issued a new ATM card. They have done this to me on at least 3 other occasions. 

When I asked for details about this compromise, they said it was sensitive information and could not disclose it to me. 

I asked how they were notified of the compromise and they again refused to answer. 

I do n't want to do business with the merchant or other company responsible for the compromise and Bank of America 's lack of transparency makes this impossible.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (SC)

In XX/XX/2013, I was unemployed XXXX  seeking assistance to find XXXX XXXX XXXX. I found a company online called XXXX XXXX. I submitted information and spoke to a representative, who stated that they worked with assisting executives with finding positions and would guarantee that they could find me a position in 13 weeks. They asked for {$630.00} upfront, which I paid and a copy of my resume. They had me complete a detailed survey online and then a " coach '' called me. I was then sent the contract for 6 additional payments of XXXX to begin in XXXX but was told that if I did not have results in the 13 weeks that I could cancel. I would lose my deposit but no further obligation. I received my resume back " prettied up '' but with numerous spelling and grammatical errors that also changed the core of my experience in several instances ; with cover letters and envelopes addressed to CEOs of 12 companies. I was told to mail these and follow up asking for an appointment to see if they would see me and possibly have a 'spot '' for me. This was not what I was promised when I spoke with the sales rep on the first couple of calls. I told them this. I did however, do what they asked and never got to speak with anyone at any company. I asked XXXX to discontinue my service. They said I had to do it online. I sent email but once I started being contacted by collection was told there was a special form I should have filled out. I reported there activity to SC Attorney General as Internet Fraud. They have since been hurting my credit score and compounding interest to this account and calling my phone constantly