davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (CT)

Back in XXXX I negotiated a settlement offer with receivables performance management llc. When I originally made the payment arrangement, I was told by the representative that if any situation arises to let them know 48 hours in advance, and they will work with me on resetting a date for the payment that will work with me to withdraw the payment from my bank account. On XX/XX/2023 I was separated from my company and when I try to collect unemployment benefits, I found out that I was a victim of fraud and have to go through a ID verification process with the Connecticut Department of labor. After submitting all required paperwork to the department of labor, I contacted receivables performance management , LLC to advise them of the situation. I explain to them that I am a victim of fraud with the department of labor and I am waiting to be scheduled for an ID verification interview which wont be until next week and the investigation could take up to two weeks and then an additional week after that to collect unemployment benefits, so I asked if they can push the payment back three weeks and they were not willing to work with me. They said that they can only push it out one week and then it would void out the agreement. I then reiterated to the representative that when I originally made this payment arrangement of what I was told, he said that he would speak with his manager. He put me on hold for two minutes and came back and said that there was nothing they can do. They could only push it out to the end of the month. I advised him that I will not have any money at the end of the month because of the fraud investigation And asked to speak with a manager. The representative refused to let me speak with the manager. I have offered them documentation supporting my claim and they denied the offer. They are not willing to work with me despite the original agreement.
Consumer complaint received 2024-02-27
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. (MI)

I have already sent letters to the creditors asking to remove the late payments on my credit report they have not abided by my request. In which the information is reporting inaccurately. They have also violated my consumer rights by not giving me the option to opt out from reporting this information to any third party agency. 

15 U.S.C 6802 states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Please remove any negative/late payments and update the following accounts to positive. This has made a huge impact on my score and made it difficult to apply for credit for a new home. 

ACCOUNT NAME-XXXX ACCOUNT #  XXXX ACCOUNT NAMEXXXX XXXX XXXX ACCOUNT # XXXXXXXX ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX  XXXX XXXXXXXX XXXX ACCOUNT # XXXX ACCOUNT NAME- XXXX  XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2022-05-02
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. (TX)

I asked the credit bureaus to investigate every piece of information on the accounts I have listed below. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified, but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the following reports attached. 

Accounts : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX
Consumer complaint received 2022-05-02
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. (ID)

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

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

15 U.S. C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

Dates of concern are XXXX and XXXXwith concern to hard inquiries from Idaho XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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. (PA)

In accordance with the Fair Credit Reporting act The XXXX XXXXXXXX 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 15 U.S.C 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 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (PA)

I was alerted by Experian that an account from another bank was opened in my name-I found out a few days before and reported to the company. Experians advice was to lock my account-the problem was my account was locked for inquires, so the service didnt work. I attempted to report the matter and asked for a refund due to the lock didnt work. The representative said I cant do thatits complicated. I told him I didnt want to talk to him anymore and needed to speak to a XXXX, he threatened to hang up with me, I told him I know who to call. So I came here to report them and request a refund for services Im paying to lock my report, which didnt work. I only want a refund for a month.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

FIRST, I WANT TO THANK YOU FOR YOUR PREVIOUS HELP WITH CITIBANK, N.A., NOW THE NEXT PROBLEM ... 
AS OF MID XXXX, CITIBANK , N.A . HAS REPORTED TO THE 3 MAIN CREDIT AGENCIES, XXXX, XXXX, XXXX, THAT OUR HOME EQUITY LOAN ACCOUNT # XXXX HAS BEEN PAID IN FULL AND SHOWS NO BALANCE. AS OF MY XXXX PAYMENT TO CITIBANK, MY BALANCE IS ABOUT {$49000.00} +, AND FOR SOME STRANGE REASON WHEN XXXX AND XXXX RECEIVED THE LAST BANK REPORT MY FICO SCORES DROPPED FROM THE NEAR 800 LEVEL. 
IF THE CITIBANK REPORT IS TRUE THAT THERE IS NO BALANCE I HAVE NO IDEA WHO PAID IT.
Consumer complaint received 2018-03-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (NJ)

XX/XX/2013 I purchased a vehicle ( {$15000.00} ) financed by Ally financial. A few months after obtaining the vehicle i found out there was a class action lawsuit on ally for charging 4-5 percent more interest to minorities. I asked multiple times to lower the interest ( 15 % ) but i was told no they cant. After so many attempts i told them to get the car. Now ally auctioned off the car for ( {$7000.00} ) and now I have negative mark on my credit for ( {$7800.00} ). 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-doj-order-ally-to-pay-80-million-to-consumers-harmed-by-discriminatory-auto-loan-pricing/
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (LA)

In XX/XX/XXXX I discovered that National Credit Systems Inc was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for XXXX & XXXX so chose to wait until I was able to pull & print my annual report & write them then. I contacted XXXX & XXXX by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I have a credit card issued by Bank of America. That card was stolen XX/XX/2021 - the theft was reported to B of A following fraudulent charges in excess of {$1200.00}. 

The short story : Bank of America refused to waive the charges. I wrote Bank of America explaining the situation and included the police report. They refused again. 

I filed a complaint with your organization ( Complaint ID XXXX ). Your Consumer Portal indicates the file is closed - seems Bank of America responded. 

I'm making minimum payments on the fraudulent charges to maintain my credit score but get no satisfaction or explanation from Bank of America. 

Where do I go from here? 

PS : I have a voluminous file but have no idea how to copy ( or upload ) documents
Consumer complaint received 2018-07-16
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: American Credit Acceptance, LLC (TX)

I am a co signer on a car for my son, he filed a chapter XXXX Bankrutpcy and the full payments for the car is being made through the trustee. I spoke with American Credit Acceptance acct # XXXX and they advised me that even though they are getting paid it's their choice to report a late payment on my report. And I advised that the bankruptcy law does not say that they can still report on my credit report and the car is included in a chapter XXXX that is current. I asked them to removed the late fee that has been reported to my account and they refused. This is very unethical for a company to refuse to correct their mistake of trying to ruin someone credit, I am very upset that this company is allowed to do things like this and continue to be in business. taking advantage of people.This is double dipping. which is illegal.
Consumer complaint received 2022-02-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX / {$25000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2018-03-08
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: HireRight Solutions, Inc. (TX)

Its a Theft on my criminal background thats under my name and it states that I was XXXX in jail XX/XX/XXXX. I have never been to jail for theft. It also states that I sat in jail for 4days for theft. Not correct. My wallet and personal belongings were stolen out my apt In XX/XX/XXXX and I called the police and they made a report on it I also had money stolen out my bank account which I was banking with XXXX XXXX XXXX XXXX. I did not and was not convicted or plead gulity for stealing. Someone stole my identity.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (TX)

upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account EQUIFAX - XXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/2022 GXXXX XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/ XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX  Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX - XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/202XXXX XXXX
Consumer complaint received 2018-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Tonight I learned that I am 371 days delinquent on my student loans. I have not received any correspondence in the mail to this effect. Navient 's representative mislead me in XX/XX/2017 by telling me that I was processed and approved for a forbearance, but they did not enter it in the system. Tonight, I contacted Navient and the representative, XXXX id # XXXX ( XXXX IN ) told me that I was processed and approved for a forbearance. I also asked to make a payment for {$120.00} like the letter said on the correspondence on their website, he refused saying that I had to pay {$1000.00}. I asked for an income repayment option and he asked some questions and told me that I was eligible based on my answers, but that he couldn't process it over the phone because the account was locked, but my account is not locked on the website. I asked if he were able to do an override and he said not, so I asked for a supervisor because he was pausing and I felt as if I was being given misleading information. The supervisor, XXXX XXXX sad she would transfer me to the cures department, but they were closed. I asked her for the new date that payments would restart since I now have a forbearance. She said you do not have a forbearance. He processed it, but I reversed it because you are not eligible. I asked her why the system allowed it be be approved and processed if I were ineligible. XXXX XXXX XXXX could not answer this question. My credit has been harmed by Navient 's misleading and harmful practices.
Consumer complaint received 2022-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

XXXX XXXX XXXX ) is attempting to collect a debt from HSBC that was discharged in bankruptcy. They have called me and several members of my family. They have threatened to serve me legal papers at my home or work, but they don't know either address. Their only information is out of date ( 10+ years ). When I contacted HSBC about it, they said they haven't heard of the company and they didn't hire them.
Consumer complaint received 2022-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Specialized Management Services, Inc. (MS)

It all stems from hospital bills. The hospital accepted payments, then turned it over to collections within 30 days. I set up payments with a previous representative with Specialized Management company. The accounts WERE NEVER reported as Late on my credit report. A new person took over my accounts. I actually paid off two of the accounts and she reported them as late, even though they were being paid as agreed. The balances were decreasing every month and the agreed payments were being made. A call was made and she was VERY rude and refused to listen. Actually hung up. I then paid off two accounts and it took 90 days to remove from my credit report! 90 days! Then three more accounts showed up. Instantly reported as late, even though I tried to make a payment at time of services with XXXX XXXX. XXXX said they would bill me. Never received a bill until Specialized Management sent a very nasty letter. I called specialized and they threatened me with my credit report if it wasnt paid in full. Due to past issues with this person, I decided to check my derogatory marks on my credit report and lo and behold, it was a lie!! It had ALREADY been reported. 
All I would like is my report to change from Late to paid as agreed.
Consumer complaint received 2022-09-15
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)

upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/ XXXX XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXXXXXX Inquiry date XX/XX/20XXXX XXXX  XXXX Inquiry date XX/XX/202XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX  Inquiry date XX/XX/2022 XXXX - XXXXXXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX