davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

XXXX XXXX put forced place insurance on me stating we did not have homeowners insurance coverage. We sent them proof 4 times showing we have had contiguous coverage with the same insurance co for more than 5 straight years. They took out monthly payments ( that get auto debited from our account each month ) and apllied to insurance we didn't need. We have been battling with them for over 4 months and even though they show the error on their side, they acknowledge they have our money, we still get harassing collection calls once a week. I just found out I know have ( 2 ) 30 day lates against my perfect credit. They keep saying they're working on it but we've heard that for months and now have our 2nd 30 day late on our credit. PLEASE HELP US. THIS IS CRAZY
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (NC)

Hello my name is XXXX XXXX. I purchased a XXXX XXXX XXXX on the year of XXXX from XXXX XXXX. I was just trying to get my credit up by doing so, and what I thought was a good deal, turned out to be the worst deal I've ever made. I have received my full promised tax refund since then and here it is XXXX. Because of this, I blame the finance company ( Ally Financial ) for this damage that has done to my financial situation. The vehicle was repossesed involuntarily, and I'm still receiving letter and phone calls about collecting of payment from interest it has accrued. Please I'm in need of help in contacting someone about refunding what was owed to me. Even when the company went through a lawsuit, I still received nothing from this. If anyone else has went through this please let me know.
Consumer complaint received 2024-02-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC (PA)

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  Cease and Desist Communication and Remove Account from Credit Report Dear XXXX XXXX XXXX, This letter serves as a formal request to cease and desist all further communication with me regarding the aforementioned account number. I demand that you immediately halt all phone calls, letters, emails, and any other form of communication. 
Furthermore, I request that you remove the collection account associated with the aforementioned number from my credit report. I believe this collection is in violation of my consumer rights : * Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

* Consumer ( myself ) have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) * Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) Please provide written confirmation of my request to cease communication and remove the collection account from my credit report within 30 days of receiving this letter. 
If I do not receive confirmation within the specified timeframe, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

XXXX Equipment return amount owed to XXXX. Debt collection Enhanced Recovery Company XXXX XXXX XXXX XXXX FL XXXX Attempt an amount of {$280.00} under XXXX debt through XXXX  reports, XXXX XXXX XXXX Returned Equipment And Correct Balance is XXXX owed. Debt is inaccurate documentation provided
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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 an 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.

I have several Hard inquiries as well as four closed derogatory accounts that I have no knowledge of and certainly did not authorize to be placed on my consumer report. I have filed a report with the FTC and I have sent letters to the " creditors '' directly and have had no response. I am filing a report with the CFPB for further assistance Hard 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 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  Thank you for your assistance in helping me resolve this matter
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My information was heisted and this account is fraudulent and does not belong to me. I did not obtain any goods or services from his merchant or authorize the opening of this account. I would like this account to be completely removed from my credit report on all three credit bureaus.
Consumer complaint received 2019-05-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. This company is not registered in the state of Texas and is not a valid company. They have sent unverified information regarding my file. This is a violation of the FCRA. I demand it be deleted.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (ID)

My sister and I rented an apartment from XXXX, after our lease was up we attempted to get our security deposit back. 
They refused and said we owed a lot of money. I took them to court and they settled with a payment to me for {$500.00}. ( Almost all of my deposit ) Then they submitted a bill to collections.
Consumer complaint received 2024-02-14
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: EQUIFAX, INC. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report that was recently obtained by your agency without my consent. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to your agency. 
Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
I request that you investigate this matter further and provide me with documentation proving that I gave consent for the credit report to be conducted. If you are unable to provide such documentation, I ask that you remove the erroneous information from my credit report immediately. 
I am also requesting a copy of my credit report from your agency in order to review any other inaccuracies that may have been included without my authorization. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX Accounts : Discover Banks XXXX
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute the accounts referenced above. I have been a victim of identity theft, accounts that I didn't open has been posted in my credit report, I haven contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. I have asked them to validate these accounts. This accounts are not mine and I was given no evidence of them been mine, I urge you to remove these items.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. '' Equifax are consumer reporting agencies 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. '' ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. '' ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (UT)

I purchased XXXX XXXX tickets on XXXX XXXX XXXX and cancelled them right away. Amex and XXXX said it would take up to 8 days for the funds to be returned. Going into XXXX I made several calls and was on several chats with both Amex and XXXX XXXX and I was told that XXXX XXXX on XX/XX/2024 charged a separate charge for the same amount and has not returned the funds. When I spoke with XXXX, they did not see a XXXX charge and they also refused to talk with Amex to authorize the release of the funds because they said it was release XXXX hours after the cancellation had been made. Amex refused to release the funds and I had to call and chat several times over a month. It was thousands of dollars! The day after a payment was due, they released the funds and charged a late fee of XXXX to my account for non payment. The funds all of a sudden released with no problem today XX/XX/XXXX. In the mean time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and because the funds were not put back in a timely mannerXXXX I lost not only the money, but also affordable plane tickets for them AND an appropriate XXXX because by the time the funds were back in the account, which happened today, all the accommodations to fit the students were sold out. That there is no consequence for a big company when they do wrong but I have to pay a XXXX late fee when they do not after they do not return funds in the time they say they are suppose to is unconscionable. All I asked was for the XXXX fee be waived for all this trouble and they denied the request. Now I will not use the card because I do not trust that they have my best interest in mind and they do not care how much they ruin your life with their mistakes.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

UNAUTHORIZED THIRD-PARTY ACCOUNT ACCESS AND CONDUCT CONCERNS Bank of America has been providing my home loan mortgage account information to unauthorized third parties for years. During this time, XXXX the mortgage and service records associated with and related to my home loan mortgage account, the borrower Home Loan Modification Status iportal, the MHA HAMP, and the MHA HAMP TPP process have been mishandled, destroyed, withheld, and otherwise altered to my detriment. This conduct has been intentional on the part of Bank of America and is designed and implemented to coerce and harass through the use and employment of poor and deceptive practices as a matter of standard policy in and during the ordinary course of business with the intention to defraud borrowers of their home while violating written agreements including, but not limited to, the Deed of Trust. 
While Bank of America may hide behind the built-in, go to, standby, default excuse of individual representatives misconduct and their lack of knowledge and skills during and throughout any modification, workout, and loss mitigation processes, Bank of America has no excuses for allowing such conduct to continue and such open disregard for the various and applicable laws, regulations, guidelines, timelines, agreements and their own stated policies, procedures, and code of ethics ( assuming those ethics are in line with those regulated and governed by state and federal laws ). 
I have uploaded XXXX documents submitted with this complaint. I will submit at least XXXX additional documents to the CFPB under this complaint number once assigned later this date.
Consumer complaint received 2016-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Tower Loan of Mississippi, Inc. (LA)

tower loan contacted the individuals whom i put down as references in the event i could not be reached and shared information other than whomever was calling and a telephone number. they told they my loan was delinquent and legal actions would be taking if i did not contact them soon. they also called me multiple times per day alomg with my references. this is very unprofessional and a breech in company confidentially i also have a voicemail where information more than contact information was left amd received calls from cellphones before as well.
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

My original debt was sold to third party company ( XXXX  ) XXXX XXXX XXXX, it was paid off in as required by the company on XX/XX/2021 for the full amount. Acct number # XXXX reflecting on XXXX, XXXX and XXXX XXXX I wish this account to be removed off of my credit report from all 3 bureaus as it violates my privacy rights as per 15. U.S.C1681 section 602 A. As per 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. I also have proof of payments made to the company which has been sent to all parties before this complaint is being submitted.
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Alliance Collection Agencies, Inc. (NH)

XXXX I WAS BILLED BY XXXX FOR THOUSANDS OF DOLLARS OF MEDICAL SERVICE. I PAID XXXX BY CONSENTING TO REMOVING A MONTHLY AMOUNT OUT OF MY CHECKING ACCOUNT. I CALLED XXXX IN BILLING AT XXXX AND I AM MADE SURE MY ACCOUNT WAS PAID IN FULL ON THE LAST PAYMENT YESTERDAY I GOT A COLLECTION AGENCY STATING I OWED {$59.00}.
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My friend was scammed. A Man who identified himself as a XXXX XXXX contacted her an requested money for an XXXX XXXX needed the money or he would be denied XXXX She contacted me an I XXXX the money XXXX XXXX. I contacted Bank America and I was told XXXX XXXX refused to return the money. Even though it was verified with the XXXX and a police report was filed XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BSI Financial Holdings, Inc. (IL)

I am refiling this complaint to BSI FINANCIAL SERVICES for allowing inaccurate information to reflect on my account to my credit reports and for no corrective actions taken on this inaccuracies. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have received and read your response on my complaint, but I paid before the due date last XXXX XXXX XXXX XXXX XXXX and I know for sure that I paid on time, please provide the proof of payment that I were lates and the amount you received.