davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Medical-Commercial Audit Inc (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Missouri Laws Dear MCA MGMNT CO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the relevant identity theft fraud laws applicable in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that MCA MGMNT CO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting and establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws in Missouri underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for MCA MGMNT CO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that MCA MGMNT CO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MCA MGMNT CO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i recently changed my address and received a letter from bank of america too late to provide documents what they need. i sanded that documents but unfortunately it was too late. i am ready to sand all documents what they needs again .PLEASE help me to open my accounts it is important for me. I will really appreciate that THANK you
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A bankruptcy is listed on my TransUnion credit report but not on XXXX or XXXX. Despite disputing it with TransUnion for removal, they're citing verification from a third-party company called XXXX. However, when I contacted XXXX and requested a copy of my credit report, there was no bankruptcy listed. 

I am insisting that TransUnion removes the incorrect bankruptcy filing from my credit report. This marks my third attempt to request its deletion, yet they have not taken action
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: OLD NATIONAL BANCORP (IL)

On XX/XX/2022 I purchased a XXXX XXXX XXXX money order in the amount of {$79.00} at XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My money order was stolen by XXXX Postal Service and altered and cashed by Old National Bank in XXXX IN XXXX XXXX XXXX XXXX. Im asking that my money be refunded back to me and {$15.00} for copy of money order and {$15.00} for faxing a copy of money order and also {$100.00} for stress and interest, which I feel is fair for all the calls and gas money am spending to get my money back. When I call old National bank Im placed on hold and no one answers my calls. Also my payment was for my car insurance and my car insurance was canceled due to this matter and I had to pay another premium of {$49.00} to reinstate my insurance.
Consumer complaint received 2021-09-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation result.
Consumer complaint received 2020-07-22
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

Hello I tried several times to have my loan with Santander resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and Santander has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at Santander but they have not answer nor return my call.

Please see the below as a reference https : //oag.ca.gov/news/press-releases/attorney-general-becerra-announces-over-550-million-settlement-against-nation % E2 % 80 % 99s https : //oag.ca.gov/system/files/attachments/press-docs/PPL % 20v % 20SCUSA % 20Complaint.pdf https : //santandermultistateagsettlement.com/Home/portalid/0 California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general , announced a multistate settlement with Santander Consumer USA Inc. ( Santander ) that includes over {$550.00} XXXX in nationwide relief for consumers ; California consumers will receive over {$99.00} XXXX of that amount. 

As part of the settlement, Santander will provide over {$99.00} XXXX in relief to thousands of California consumers who Santander approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. Santander will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buyback.
Consumer complaint received 2017-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Asset Recovery Solutions, LLC (FL)

Hello, My student has sold my student loans to a private collections company, and they are constantly calling me at my job and at work. They are putting me at risk at losing my job because they are calling me there. Also, I am not sure who is the primary holder of the loan. I ask them for paper work of when the loan documents were sign and they have not forward this to me. I am unable to pay it as I have XXXX child, and not able to pay my student loans.
Consumer complaint received 2022-09-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amscot Corporation (FL)

Notice : New information and updated information XX/XX/22 I CLAIM Harm by way of Trespass, FRAUD and Dishonor. 


To CEO and Chief Compliance Officer, YOU BROKE THE LAW This is in reference to the letter sent to your company via CFPB portal dated XX/XX/22 and that letter mentioned how AMSCOT violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other violations under tittle 15 consumer protection. 

In response to that letter, AMSCOT replied that Amscot is a first party creditor and not a debt collector within the meaning of the Fair Debt Collections Practices Act. 

I am requesting you stop sending me correspondence with no material facts or sufficient evidence and show proof that you have a lawful and valid claim. I am requesting that you provide valid proof or material facts or sufficient evidence that you are a first party creditor as stated in your correspondence to me dated XX/XX/22. Please note that proof should not include a consumer contract because as per the judgement in XXXX XXXX XXXX XXXX, the consumer contract is not sufficient evidence of a debt. 

I am also requesting you provide to me the audit Trail of the transaction originated by you as proof of a lawful and valid claim. 

I am attaching here with a valid proof of you being a debt collector under provisions of FDCPA. 

I am demanding AMSCOT to zero out this account and remove my nonpublic personal information from all consumer reporting agencies immediately. 

Any failure to comply with Federal Law I will escalate this matter to Federal Court. 

Thank you for your corporation XXXX XXXX, AMSCOT letter showing proof that AMSCOT is attempting to collect an alleged debt under the Provisions of the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company (IN)

I contacted Freedom Mortgage regarding VA supplemental loan. This loan is located under XXXX XXXX of lenders guide. This loan allows the veteran to keep current interest rate ( same or lower ). Veteran is able to make home improvements needed. Im being told they dont offer this and my only option is complete refinance with cash out. I have a low interest rate doing this will only cost me more at the end of my loan by adding several points on loan due to current interests rates. This is no help for a veteran, whats the point of this great program if lenders are not willing to allow veterans to proceed with these rights. They want to put you in debt instead of helping a XXXX veteran.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Early XX/XX/2020 I submitted disputes along with my attorneys via USPS mail. XX/XX/2020 I get an email from Equifax that they are investigating. Now I've already tried a week prior to access my credit reports via Equifax which is impossible. The email ask me to click on a link to opt-in to receiving notifications via email. When I click the link, fill in my info I constantly get a confirmation failure. Then I set up an account, can't log in. Even after changing the password several times ( you can only input so many different times ) every time they send the link to my email to change. After changing, I still can't log in, then it locked me from logging in asked me to call XXXX. On XX/XX/2020 I called verified my self ultimate times, the representative is incompetent as well, ask me to change the password again, then it locks me out. She then says there is a problem with their system. Yea right and that I needed to call back in an hour. I asked for a supervisor and she did everything to keep me from talking to an supervisor, until I demanded. Then I thought, often these issues with communication occur with a break down in culture and understanding. When the supervisor came to the line, I asked him what country were they in and he refused to answer. Actually stated that they were not allowed to say so. I again explained the frustration with their system and how no one seems to understand what's going on or how to get us access. While waiting for the supervisor I started google searches and found many people complaining of the exact same issues. Many on XXXX. When a company has such personal information of ours, the constant threat of identity theft and then they offer us incompetent representatives from other countries does not give us the most trust with the company. I am not comfortable with this at all. I asked to speak to an american supervisor. Equifax has issues that are not experienced by the other consumer bureau agencies.
Consumer complaint received 2020-08-26
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. (NJ)

I love my XXXX  XXXX but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I love my XXXX  XXXX  but they reportd me late when I was sick. I was on a deferment. I dont know why they reported me late I want the card updated to never late please. Dont close my card. I only want my late updated.
Consumer complaint received 2020-05-05
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. (FL)

I'm filling this report because, I check my credit and notice so many fraudulent Activity on my credit it seem like whoever stolen my Identity was out of control. they was running my credit with so many different major Companies. I would like to put a fraud alert on my Credit. these Accounts that's on this report I did not authorize these Accounts needs to be off my credit. 
thank you
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (OH)

I rented to own some merchandise from XXXX stores but ended up surrendering the products back to the store so that wiped out my balance. Now a collection company is now coming after me and Im not obligated to pay them they received their merchamdise back at the store and moat likely rerented it to someone else. 
The original creditor was 09 TEMPOE LLC. It was aold to XXXX XXXX XXXX. I have disputed this with the credit bureaus and only one deleted it the other two say its accurate but it is not. I want it deleted off my report.
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Concord Servicing Corporation (AZ)

My wife and alI are victims of identity theft the company XXXX XXXX XXXX XXXX is very much aware of this yet they turned an account that was not ours after receiving verification from the Official police report, to a collection company called, Blackwell Recovery.
Consumer complaint received 2020-10-15
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)

On XX/XX/2020, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 30 days later to the date, I have not received any response. Under federal law, you have 30 days to complete my investigation. 


Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America reported a late payment for XX/XX/2021. After numerous calls over the past few months and a tech case XXXX. Although it showed there were issues with the bill pay and how the bill was generated and sent to me, Bank of America is still allowing that to remain on my credit report. Despite many years and a consistent history of me paying on time. The first time I called, there was no action taken by BOA despite them telling me they were going to research the issue and I should hear back in 30 days. After that period, I had to call in just to find out that nothing had been done to which I waited another months time to try to get any answer and resolution. During that call, it was established there were some technical issues going on and I was transferred to tech support. Tech support was not able to fix the issue while on the phone and a tech ticket had to be submitted. I was also told that a case was being submitted regarding my dispute with how it was reported on my credit file. I received no new information and called several times. I was told that I would received a mailed letter of the resolution within XXXX week however never received. I had to call again today, XX/XX/2021 only to be told that they are going to allow the late payment to remain on my credit file. Despite apparent technical issues and a tech case to correct that.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (MS)

There was a fraudulent purchase made on my account with XXXX XXXX and when I became aware of of it thru an email alert, I called them the same day and told them I did not authorize or purchase the item for order # XXXX and to cancel the order before it ships the representative said they would catch the order before it shipped and that I would not be responsible for the fraudulent purchase on my account, I also ask the rep to close my account " AND '' ( the other accounts associated with the account number listed herein ), as there are other accounts that use that same account number listed herein which as of this morning it is still open as I was able to get into the account with the account number after I told the rep XXXX days ago to close the account # XXXX. As of this morning it shows shipped yesterday XX/XX/year> and it was suppose to be cancelled as I did " not '' order a " XXXX inch '' XXXX XXXX. I filed a Identity Theft/fraudulent activity report as requested and faxed it to the business ( XXXX, ATTN : Credit Dept ), to no avail as of present date, XX/XX/year>, account still open and shows fraudulent order shipped yesterday by XXXX ( See attachments ) .....
Consumer complaint received 2022-09-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I CREATED A SUCURED PROMISSORY NOTE LOAN SOMEONE MONEY OF {$60000.00}. So XX/XX/2022 XXXX was when it was sent to USSA FEDERAL SAVING to be monetize to credit to the borrowers account. Which I was informed by a manager they do. So, yesterday I get a ding on my credit account/XXXX XX/XX/XXXX for a Hard Credit inquiry by 2 banks of a down payment for {$60000.00} and the home costing XXXX. So I called the bank and they informed me that have it but it will take another day. So I called this morning XX/XX/XXXX and asked about it. They told me they had lost the copy but on have the cover letter. So, I do have proof of my promissory note be maximized and the name of the two banks the tried to hide it through.
Consumer complaint received 2021-11-03
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX