davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Diversified Adjustment Service, Inc. (UT)

I called Diversified Adjustment Service, Inc today ( XXXX/XXXX/15 ) and spoke with one of their collection representatives named XXXX. I had previously made payment arrangements ( XXXX/XXXX/15 ) to pay {$20.00} a month until the debt was paid. XXXX stated that amount would n't work, that I had to pay more. I stated that I 'm on a fixed income, I only receive Social security, and can not pay more than that and I have a letter stating that fact. He said " Well you 're talking to me now, and there 's no way you can pay just that amount. It 'll take you seven months to pay it off, you 're going to need to pay more. '' When I refused he changed tactics and said, " Ok you got ta make a settlement than. You got ta pay it off. '' I again said I could n't. He said I had to and asked how much I could pay. I stated again that I could maybe pay {$50.00} but wo n't since I have a payment plan and he told me they ( XXXX ) would n't accept that, very sarcastically. Maybe they would accept {$120.00}. I told him no. I said I wanted to speak to a manager. He told me no. When I insisted he said in a mocking tone " Ooo are you going to offer my boss a deal? '' Then continued to say he would n't connect me. When I would n't budge he finally transferred me to a voice mail.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CO)

I contacted US Bank and told them there was an error on my XXXX credit report - US Bank showed an account ending in XXXX with a balance of {$270000.00} ; this amount shows on my total mortgage debt ; this is a past mortgage that was paid in full when I refinance my home ; they wrote back saying it was an error in reporting and that they would correct the error on my credit reports - that was 2 months ago ; - the account shows it is still open with a balance of {$270000.00} - XXXX - ending account number is XXXX - they have not removed this balance which shows I have {$270000.00} more in mortgage payments than I actually have ; they are doing this because I have my current mortgage with them and the additional amount on my credit report is making it difficult to refinance with someone else at a lower rate -they need to get this account off my credit report and show a {$0.00} balance
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # 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 2019-02-26
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. (SC)

I got notified by my employer that there was something on my credit that was a charge off from XXXX but was just added to my credit report XX/XX/XXXX. I called XXXX and they were to be looking at it. It belongs to my dad but my SSN got attached to it somehow. It is for XXXX. It was charged off and shows consumer deceased on XX/XX/XXXX. I talked to the XXXX XXXX and they just give you the run around and tell you that they are looking into it.
Consumer complaint received 2021-05-21
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. (FL)

I have recently reviewed my consumer reports and I have found that there are items that should be excluded from my consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). This federal law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card should not be in my consumer report. To have no misunderstanding of the true definition of the lawful meaning of what a " credit card '' is I will state it. Pursuant to 15 USC 1602, a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. By willfully not complying with these federal law makes them civilly and criminally liable.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (VA)

Dear madam/sir, I am writing you to report the company Consumer Portfolio SVC ( Account- XXXX. This creditor has reported on my credit as " charged off ''. When I reached out to the creditor to verify the that input and request a 1099C form. The creditor verified the charge off status and were not able to provide me the 1099C form upon my request.
Consumer complaint received 2016-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Javitch, Block & Rathbone LLC (OH)

My complaint is with XXXX XXXX, XXXX, and Javitch , Block & Rathbone Law Firm. In XXXX 2010 XXXX XXXX XXXX, filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to Javitch, Block & Rathbone in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to XXXX XXXX, XXXX of the satisfied debt. To date, XXXX XXXX XXXX, states they have not received documentation.
Consumer complaint received 2015-08-24
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P. (IN)

In XXXX I lost my job. I am now XXXX years old. Sadly we had no choice but to file Chapter XXXX in XXXX of XXXX. On XXXX XXXX, XXXX, I am being sued for {$720.00} dollars. From a XXXX party debt collector. It was originally a credit limit of {$600.00} dollars. Never received anything not a call or a letter. To appear in court within XXXX weeks! I called them and told XXXX the situation. She was very rude and trying very hard to make me feel like a XXXX bag. I was threatened by them of putting a Lien on my home and garnishing my wages. I need MORE TIME to hire my attorney and he is very good. I am a Senior XXXX and I will not stand by and have this company me threaten me and take away from me. Going to get this company for harassment. I am retired and I will not just stand by and got this letter within XXXX weeks for a court appearance.
Consumer complaint received 2016-02-27
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (WI)

I have XXXX separate investment accounts ( XXXX personal and XXXX IRA ) with BMO Harris Bank. 45 days ago I sent instructions to transfer all money and equities to XXXX XXXX. In the last few days, XXXX XXXX has made numerous telephone requests for any information and has only received run around remarks such as " I do n't know '' or " I have no idea who you can call '' or " I do n't have that information ''. Obfuscation, foot dragging and total fiducial irresponsibility by any measure -- -no professionalism and possibly theft such as loss of opportunity profit. BMO deserves to be penalized for lack of acceptable minimal procedures and ethics.
Consumer complaint received 2024-05-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (MN)

After receiving a text message from USCB America, they refused over the phone to provide any information about the debt unless I gave them my address, even after I verified full name and phone number. They contacted me 4 days before the listed due date on the last bill I received from the original debtor.
Consumer complaint received 2022-09-06
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I called to get information about a business security system. I asked for the information to be sent to my email so I could use comparison to other systems. I gave my name, my girlfriends name and the location of where I wanted this to be installed. I spoke with XXXX XXXX XXXX XXXX ex # XXXX and we were on a recorded line, where I was never asked nor gave the permission to do anything with my credit. I told him I would call back. The next day around XXXX my phone notified me that I had a change in my credit report. I took a glance and noticed XXXX XXXX XXXX and AUTOMATION had done a hard credit report without my permission. As well as my girlfriends report had been jeopardized from this the same time. I started the morning of XX/XX/XXXX to call and find out what happened. I spoke with many people and was given an email from XXXX XXXX XXXX XXXX or XXXX or XXXXXXXXXXXX saying " we are submitting request to the credit bureaus to have inquiry removed " ( XX/XX/XXXX - almost a YEAR AGO ). And he said he would let me know when it 's removed. Well I have spoke many hours with numerous people at XXXX about this and no one will do anything. I have emails from XX/XX/XXXX and also XX/XX/XXXX about this and letters they supposeibly sent to get this removed, phone records, voicemails about this and no one at XXXX HAS TRIED or attempted to get these illegal inquires removed. It has almost been a year and has been effecting both credit scores of us. I have done all I can to complete this. Contacted all XXXX credit bureaus and have gotten no where. Please help
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MS)

I am a XXXX in Mississippi. When I originally applied for my loans, I was told I could have up to {$17000.00} forgiven after I XXXX for 5 consecutive years in a XXXX school or highly qualified area. I am a XXXX and work in a XXXX. I will finish my 5th year of XXXX XX/XX/XXXX. I graduated with my XXXX degree XX/XX/2016. When I called to discuss, with FedLoan Services, what steps I need to take to begin applying for the forgiveness, I was told because I started XXXX school I have to XXXX for 5 MORE consecutive years from my most recent graduation before they will forgive anything. No one EVER told me this was a stipulation. They also never notified me of this.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX Equifax is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I have attached copies of my credit reports highlighting the specific XXXX XXXXXXXX XXXX account that is reporting ( 2 ) Separate accounts ( 1 ) for {$16000.00} & another reporting {$10000.00} on both EQUIFAX XXXX XXXX. I have attached supporting documentation that reflects the ONLY account open with XXXX XXXX XXXX which is for {$16000.00}. Despite my persistent efforts, the inaccuracies continue to adversely affect my credit report, causing unwarranted financial stress, Denial of Credit Approval, Fraudulent Debt to income ratio reporting, & more. I am well aware of the importance of accurate reporting for both consumers and creditors and I am disappointed that my concerns have not been appropriately addressed. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

EQUIFAX RESPONSE TO COMPLAINT # XXXX IS TOTALLY A LIE. FIRST OFF, EQUIFAX DOES NOT REVEAL WHO IS THE FURNISHER OF INFORMATION, WHICH BY LAW THEY MUST. NOW IT IS EITHER THE COURTS WHICH IS CLEARY NOT ACCOURDING TO THE COURTS. OR ITS THEIR BUSINESS PARTNER WHICH IS DOCUMENTED THEY COULD NOT VERIFED ANY OF THE INFORMATION. SO WHO FURNISH AND WHOE VERIDIRED AND INVESTIGATED THE INFORMATION. WELL I KNOW THE ANSWER TO THIS IS NO ONE. THIS IS EXQUIFAX LAST CHANCE TO DELET THIS INFORMATION OF THIS PUBLIC RECORD BEFORE LITIGATION. CFPB PLEAS TAKE NOTE HOW EQUIFAX CONTINUES TO TRAMPLE OVER CONSUMER RIGHTS. 
I WILL STATE MY COMPLAINT AGAIN FOR THE LAST TIME BEFORE LITIGATION. 
After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Equifax business partner XXXX to Equifax as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX XXXX  Bankruptcy # XXXX filing. I declared and stated to Equifax there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to Equifax by their business partner XXXX who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Equifax or their partner XXXX obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it. Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Equifaxs Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLAITON OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLAITON OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 )
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FISERV INC. (TN)

Fiserv XXXX XXXX XXXX XXXX XXXX XXXX They use the system in XXXX XXXX/checking account. Charges insufficient fundswith a hospital group ; XXXX XXXX XXXX. {$98.00}. XX/XX/2024. Processed confirmations # XXXX. I went ahead and disputed online with XXXX havent heard yet, through the mail or email. I have told Fiserv they ignore it. XXXX called as the collection agency and harass me repeatedly. This is my account # XXXX XXXX XXXX XXXX XXXX  that harass you. They give you a huge bill more than XXXX. I was in a car accident and I am being harassed in a car accident that was NOT at fault. Auto Insurance will NOT PAY. I have used my health insurance that destroy my credit because they paid at the end of the year.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Paypal Holdings, Inc (IL)

I Was supposed to receive a settlement of XXXX $ from a settlement reached due to a violation of Illinois XXXX lawsXXXX XXXX XXXX  XXXX XXXX XXXX They claimed to have sent out the money on XXXX XXXX but as of today, I have not received anything in my paypal account. Whoever I contact through email has the same cookie cutter answer that it has been sent, however I have no record of this transaction from my XXXX statement from paypal. In the attached email the final accounting from PayPal is stating that I was able to cash the deposit even though clearly nothing has come in.The attached summary is for the month of XXXX and cleary has no deposit of any type for anything at all. The email I attached as a screenshot says that it was paid in full however it can Clearly be seen it hasn't been.
Consumer complaint received 2023-04-18
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. (MA)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681. Section 602 states I have the right to privacy 15 USC 1681 section 6O4A Section 2 it also states a consumer reporting agency can not furnish an account without my instructions or written consent, under 15 USCs 1666-B 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 2017-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

on XX/XX/2017 we paid our mortgage by mail and personal check to Wells Fargo for XX/XX/2017 house payment. on XX/XX/2017 we receive our mortgage statement from Wells Fargo and it was for XX/XX/2017 which we promptly paid and verified the check was cashed by Wells Fargo. While discussing the issue with my wife Wells Fargo cut her off. She called again the same day ( XX/XX/2017 ) and she got hold of XXXX ( no last name given ). He acknowledge that the house payment was received and the check cashed by Wells Fargo. His explanation was " oh well they just sent you a duplicate ''. YEAH RIGHT.
Consumer complaint received 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

XXXX XXXX changes my address without my consent. They said that they got a change of address from our post office, but I did not move and I NEVER CHANGED MY ADDRESS. I have called several times, they will not change it back because they say my passwords are wrong. So I set up auto payments to get this paid and I over paid, they will not give me my money back. They are rude and will not help me.
Consumer complaint received 2018-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

I am currently on an Income Based repayment plan with Edfinancial. Every year, they reject my application and i am forced to place my loans on deferment.

This year, I tried filling out the online ibr renewal form and their website said that I am ineligible for IBR renewal. Clearly this is false information.

This year, I faxed my tax returns along with my application and I have proof that the fax was sent. I received a rejection notice approximately 18 days later. When I called they stated that they did not receive my tax returns.

A previous rejection occurred because created a new ibr renewal form and said that I could not use the one from the department of education. However, they did not notify me of the new form until my application was rejected.

Las year they rejected me based on another small technicality.

When I first applied for ibr, approximately six years ago, I was not aware that my loan had been transferred from the department of education to edfinanical. They stated that they never received my loan application.

I presume they do this so that they may add my student loan interest to the principal. Clearly they are trying to mislead student borrowers and are making the renewal process unduly difficult.
Consumer complaint received 2017-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc. (FL)

I never received a 30 day notice informing me of this debt. Never got the chance to pay it or validate the debt, if just showed up on my credit report. When I disputed it with XXXX, I gave them my address and telephone number and still received nothing.