davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX  XXXX XXXX received all my demand-letters since XXXX along with my lawyer 's letters to fix their fraud and inaccurate information. I never validated the debt, however the bank illegally and without my consent, knowledge and permission validated the debt that was in dispute. See attached letter. Stop covering up this monster bank and act in a good faith, unbiased and fair, not racially motivated. Your agency received in the past my complaint, however kept a blind eye over the XXXX XXXX  XXXXXXXX XXXX violations in my case. Be so kind to review alarming negative records of federal penalties against the XXXX XXXXXXXX XXXX, that raises a red flag. All my communications with the Bank have been witnessed and video recorded. The Bank habitual liars promised several times to reverse their negative reporting and delet that from my credit reports. See attached is my lawyer 's letter. The Bank sent me a letter and I provided with a burden of proof.
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (MD)

I have a small business account with American Express. When I tried to apply for an additional card for my new employee AMEX said that our company has reached its limit for additional cards ( 99 ). That didn't sound right to me, so I checked online and noticed that we only had 64 open cards with American Express. When I spoke to a supervisor, I was informed that they were also counting cards that had been previously closed/cancelled even though the employees were no longer with our company. Additionally, AMEX informed me that until those cards expired, we would not be able to open an additional card. I asked them to mail me information about those accounts so that I could document the expiration dates and confirm that no fraudulent activity was taking place. They refused to honor my request. I am now concerned that these " cancelled '' cards are being used without my consent and that it will effect my business and personal credit. What next steps should I take? 

Thank you
Consumer complaint received 2024-01-29
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. (MI)

Equifax has violated my FCRA Rights under violating of my US-CODES, reporting a XXXX XXXX XXXXXXXX XXXX account which is fraudulent and also has been deleted from all my other credit reports except Equifax.please delete this fraudulent account from my Equifax credit report immediately.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I was approved for a hardship with my credit card. My interest was lowered and a set minimum payment was put into effect on XX/XX/20. The bill for XXXX showed the old higher amount due. I paid the minimum due per the hardship agreement. This continued for months, each time I was informed the hardship amount was the correct amount and to disregard past due amounts. In late XXXX a delinquency was posted to the credit unions showing past due of the difference for over 30 days. I filed a complaint on all 3 credit unions and called BBVA again. On XX/XX/XXXX, XXXX in hardship found the problem and corrected it. However on XX/XX/XXXX, another delinquent amount was shown being over 30 days past due in the amount of {$0.00}. I have never been delinquent on this account.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Currently in a short sale for my home. According to XXXX documents attached, I should be eligible for XXXX in relocation assistance. I have attached the mortgage companies request for mortgage relief documents. Carrington Mortgage is a participant in this program as is highlighted. I received a notice from the title person copied to the realtor that I was not qualified for the reasons stated on the very XXXX page of the attachment. Non of the disqualifiers are part of the eligibility criteriea given.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My. computer has been hacked. This person has added themselves to my credit reports and credit cards : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I WAS NOT ABLE TO RECEIVE MY FREE CREDIT REPORT FROM TRANSUNION CREDIT BUREAU, THE SYSTEM TIME-OUT. HOW CAN I SEE THAT INFORMATION AGAIN, KNOWING THAT THERE IS ONLY XXXX ATTEMPT PER YEAR. HOW AND WHERE DO I SEE MY FREE CREDIT SCORE FROM ALL XXXX BUREAU : XXXX, TRANSUNION, AND XXXX. 
ALSO, THE NAME ON MY BIRTH CERTIFICATE DOES NOT MATCH MY SOCIAL, PASSPORT, ETC. HOW AND WHERE DO I CORRECT MY NAME? I HAVE XXXX CURRENT JOBS AND THEY BOTH NOT LISTED CORRECTLY ON MY CREDIT REPORT. I NEED MY JOBS TO BE CORRECT ON ALL XXXX CREDIT BUREAU.
Consumer complaint received 2022-08-25
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. (LA)

I have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted Experian, XXXX, and XXXX to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against XXXX regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to XXXX numerous times for their review and to this day still no response. 
XX/XX/2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or FICO score for me.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

This loan was taken out in 2010 and I was a co-signer with my mother who 's XXXX old now. The Loan was for {$5000.00} and was paid leaving a balance of {$1800.00}. OneMain Financial is calling an amount of {$3900.00} that owed. This is false and needs to be corrected. This account is showing on my credit is wrong.
Consumer complaint received 2016-05-12
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Corporation (SC)

I had s medical bill go into collections on XXXX/XXXX/16. I then paid in full {$820.00} and was told it would be removed from my credit. After going back between credit bureau and collection company the collections informed me that they could n't remove that the credit bureau would have to. Collection company even sent me a copy of the collection paid to send over to bureau. Was told after 30 days it would be removed but still hasn't.Other credit bureaus have removed completely but XXXX still has it listed as paid balance XXXX. This is hurting my credit.
Consumer complaint received 2015-07-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

ive already fought this company for their false claims of amounts I owe. They continue to send me false amounts, they even sent me a check for XXXX that was uncashable and saying most of my debt has disappeared. I 'm confused and want them to stop harassing me
Consumer complaint received 2021-11-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: E*TRADE BANK (FL)

I had a few charges from XXXX on my ATM and Etrade put a block on my checking account. I called them to let them know that I made those charges and that they were not fraudulent after I received an email that my account had been blocked. I have spent literally XXXX hours on the phone with them today and they never resolve my problem. When I asked for the account to be closed, once they said it couldn't be closed at this time ad XXXX other times they just hung up on me. I have literally waited on hold for an hour at a time, without any resolution. I have asked to speak with a supervisor numerous times and none was provided. They are sitting on my {$8000.00} without me having any access to my funds or without any resolution. I have done business with Etrade, for XXXX years.
Consumer complaint received 2024-01-25
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. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (SC)

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  I received a copy of my credit report and I have found that in accordance with the FRCA you violated my rights under : 15 USC1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PURSUANT to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) BARCLAYS BANK DELAWARE ( Account ) # XXXX ( XX/XX/XXXX )
Consumer complaint received 2024-04-07
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. (GA)

Equifax claims to have verified the account XXXX XXXX as accurately belonging to me but they did not provide me with any evidence in which they used to validate and verify this account as belonging to me. I would like the information that they used to verify this account so I may follow up with them about this account and information being supplied to Equifax.
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TN)

I obtained a loan and was not told they were charging interest daily in the application process, speedy cash ca n't use the word default because by law once they use that term they ca n't charge anymore interest. A statement was billed stating I owed  XXXX  and it needed to be paid because my account was in " default '' weeks later I get another bill for  XXXX  that I refuse to pay. The interest was never stated on any of my loan documents in fact she never gave me an estimated payment. Then I realized they do n't close until  XXXX   XXXX  eastern time but charged my account at  XXXX   XXXX  eastern time. I work in the same field and I pay my other loans but I refuse to pay something that 's not properly explained she never said they would hit my account before close and they go in and ac h 1 p ayment at different times in  one day ! More than twice I had to close my personal account at the bank because of this. Their location is :  XXXX    XXXX   XXXX     XXXX  tn  XXXX
Consumer complaint received 2016-09-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Performant Financial Corporation (NC)

My Student Loan is with XXXX The principle balance is {$83000.00}. The loan went into default and the debt was sent to Performant for collection purposes. I explained to Performant and to XXXX PHEAA that I submitted paperwork for Income Based Payment Reduction. It was an error as this was paperwork I filed for my other Federal Student loans, which I received economic payment reduction approval for. I asked if there was anyway to submit the paperwork for this and the answer was no. The ONLY option I had to rehabilitate my loan was to pay Performant their collection fees plus interest. 
When I finally sat down to sign the letter to do so, I read that the max amount the can collect is XXXX %. The paperwork I received is calculated at XXXX %. I asked for them to correct the paperwork with a resounding NO from them. I have already made 3 payments to their rehab program for a 9 month plan. They tell me it is not counted toward rehab unless I sign these inaccurate documents. I had at one time suggested that I pay off the loan to see what they would negotiate. They failed to tell me that if I paid off the loan that my credit would continue to show the loan in default for the next 7 years. I believe that I am a fairly intelligent person who due to various circumstances holds student loans longer than planned. That being said, I do not believe this collector is behaving in a way that is honest and fair to the public. XXXX should also be held responsible as I was told they were the main driving force behind these ridiculous fees. To just enter the rehab program my principle balance will go from {$83000.00} to their {$100000.00} XXXX is a private company seeking the best interest of their investors but that does not mean we should be treated this way.
Consumer complaint received 2024-01-26
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. (FL)

I XXXX XXXX am reaching out to express the violations I have faced at the hands of the credit reporting agencies. 
" Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies, including Equifax, XXXX, and XXXX, uphold their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which underscores the Congressional policy that financial institutions, including furnishers of information to credit agencies, must continuously respect customer privacy.

In alignment with 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only with the explicit, written instructions of the concerned consumer. I declare that Equifax, XXXX, XXXX, and the furnisher of information to credit agencies do not possess my consent to provide this information, and I explicitly revoke any form of consent, whether verbal, non-verbal, written, implied, or otherwise. 
Referring to 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer of their right to exercise nondisclosure. However, the furnishers of information to credit agencies failed to apprise me of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) stipulates that no consumer reporting agency may include adverse information in a consumer report without authorization. The reporting of adverse information without my permission violates the law. 
Financial institutions such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fall under this definition. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. In this case, neither XXXX, Equifax, nor XXXX has my consent, be it verbal, non-verbal, written, implied, or otherwise, to furnish this information. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), it is prohibited to furnish inaccurate information to a consumer reporting agency. Equifax, XXXX, and XXXX are in violation of this provision. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations of FCRA sections and limit the furnishing of consumer reports to specified purposes. The lack of reasonable procedures by Equifax, XXXX, and XXXX is evident. 

Lastly, as outlined in 12 CFR 1016.7, I assert my right to opt out of the reporting services of Equifax, XXXX, and XXXX at any time. Therefore, I am officially opting out of the reporting services provided by these three consumer reporting agencies. '' Please see my attached credit reports for the violations.
Consumer complaint received 2021-11-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

On XX/XX/21 I received a call from XXXX XXXX XXXX saying they were attempting to collect on a debt owed to Macys in the amount of {$3000.00}. I told the caller that I dont have an active account with Macys and havent for years. I told him I would dispute any debt. I have received numerous calls from XXXX XXXX Solutions although they never leave messages. I called Macys and spoke with their account services and they confirmed that I dont owe them anything and I dont have an active account.
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

Hi, I received a  XXXX   XXXX  Reward Debit  Visa card from  purchasing tires from  XXXX   XXXX . The card was issued by  XXXX   XXXX   XXXX   XXXX . Their phone number is  XXXX . The card expired on  XXXX . I still have funds in the card. I contacted the company, but they refuse to issue to me a new card or a check for the balance I have left in the account. Your assistance is must appreciated.     Thank you.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Payoff process — 
Company: STATE FARM BANK, FSB ()

State Farm Bank used XXXX XXXX XXXX to go behind my back into court in XXXX, GA to sue my for a XXXX plus debt that State Farm Bank charged off in XX/XX/XXXX.I paid State Farm Bank XXXX XXXX this debt in XXXX 2015. Since that time I have been trying to get State Farm Bank or XXXX to send me a signed receipt from State Farm Bank via email showing that the {$11000.00}. applied to the account the was charged off. For 7 months State Farm Bank and XXXX refuse to give me a receipt. I have the check that was deposited in XXXX account in XXXX 2015 copy of check attached.