davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I am in the process of purchasing a home. A critical task to qualify for the mortgage is to remove my name as an authorized user for the Bank of America credit card, account number XXXX. I contacted your office on XXXX/XXXX/16, requested to be removed and for written conformation to be faxed or emailed so that I could provide it to the mortgage company. For whatever reason, you stated that you could not fax or email the letter and that you would have to mail the letter confirming the removal. After waiting three weeks, I contacted your office again on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16, to request written confirmation. Since you failed to send anything after the first request, I demanded, and you agreed, that fax the letter directly to the mortgage company and mail it again. The faxes never went through and I have not received it in the mail. Without this letter, I will not qualify for the mortgage ; I will suffer financial losses and lose out on purchasing the home of my choice. I do not understand why you can not scan and email this very simple letter and why you would treat a valued customer in this manner. I would like the letter scanned and emailed to me immediately.
Consumer complaint received 2022-02-04
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. (CA)

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the XXXXDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Account name : XXXX XXXX Account number : 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 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.
Consumer complaint received 2015-10-09
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (FL)

Hi, I am a XXXX dependent that received a title loan from Title Max. I received about {$3200.00} and I 've already paid them XXXX payments of {$400.00} and after I calculated the total number of payments I would have to pay them over {$9000.00}. If you are a day late they start charging $ XXXX and your car is up for repossession plus you can no longer make payments over the phone. You have to go into the office which is XXXX minutes away from me. I am really considering giving them the car because I refuse to pay XXXX the amount for this car. Is there any loophole being that I am a military dependent?
Consumer complaint received 2017-09-26
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: CAVALRY INVESTMENTS, LLC (TX)

( Cavalry portfolio services ) This company pulled my credit report with out me giving them my consent. 
I called them and they keep saying they did n't but it 's clear they did because its on my report.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (AL)

Obtained loan from Prestige Finance Services Inc. When payment was coming due, they would begin calling me, texting me, and emailing me daily until payment was made. Had auto repossed. Daily calls, texts, and emails continued all throughout the day after I asked numerous times for them to STOP.
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXXXXXX XXXX , XXXX XXXX XXXXXXXX )
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P. (NY)

According to Law FRCA section 605B it is illegal to report information on my credit report without my knowledge/permission. I never opened an account with this lender. All info is fraudulent. 
Please remove this from my credit report now. Thank you.
Consumer complaint received 2021-04-10
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. (LA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-02-25
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. (PA)

This is my THIRD request for information under Title 15 U.S.C. 1681i, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 611 ( A ) ( 7 ), I submitted my initial request in response to my dispute via CFPB XXXX XXXX on XX/XX/XXXX and the basis of my dispute was that under FCRA 602 it states I have a right to privacy and FCRA 604 ( a ) ( 2 ) state a credit reporting agency can not furnish an account without my written instructions. Additionally, the Gramm -Leach -Blilley Act 6801 and 6802 are included along with FCRA 616 due to your non compliance if I am forced to include it. 

On XX/XX/XXXX I received a response from your agency which stated my dispute was verified/ updated, which made absolutely no sense to me because the basis of my dispute was hinged on my PRIVACY RIGHTS. I then submitted XXXX more requests under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) on XX/XX/XXXX and XXXXand this today is the THIRD, .I am AGAIN uploading my I.D . / Social Security information that I continue to send.

Unfortunately, your agency continues to request information that I have already sent to you via CFPB uploads and via XXXX regular mail XXXX times already. The requests for my I .D.

and Social Security # information I believe is nothing more that a STALL TACTIC!!

However, I am uploading it to you in this compliaint AGAIN.

I want this account removed from my credit report immediately. 

Trade : XXXX XXXX XXXX # XXXX. 

Equifax has failed to properly respond to my FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 611 ( A ) ( 7 ) requests repeatedly and I understand that because you failed to respond within XXXX  Days as required by LAW I could be able to recoup financial compensation for {$1000.00} for each violation you have committed in a court of LAW. 

Each request I requested the procedures used that led to my dispute being verified?

I requested the name ( s ) of who you spoke to along with their telephone numbers and addresses. I received NOTHING that remotely resembles what is required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) /FCRA 611 ( A ) ( 7 ).
Consumer complaint received 2021-03-16
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: CarMax, Inc. (PA)

This letter is in response to your letter XXXX see attachment below ) on XX/XX/2021 related to the CARMAX XXXX XXXX debt. I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt for {$8000.00} as settlement for this debt in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. If you agree to the terms, I will send certified payment in the amount of {$8000.00} payable to CARMAX XXXX XXXX in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of CARMAX XXXX XXXX. The letter will be treated as a contract and subject to the laws of my state.
Consumer complaint received 2016-04-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (AZ)

I have a loan with The lending Club in XXXX XXXX, CA. My loan has a grace period until the tenth of each month. I will often call like I did today and make my payment. Today is the XXXX, Friday. They then tell me that my payment, even though I am calling it in on a friday in the morning, wo n't post until Monday the XXXX. And that my payment will be considered " late '' internally. This is fraud. You can not take a person 's payment in good faith, two days before the grace period ends, and then because YOUR company takes a few days to process the payment, mark their account as late. This is illegal. They can take my payment, mark my account as paid, and within the legal grace period and if it takes them two days to process then that 's on them. Not on the consumer. I am making my payments on time. I have each and every month. And my account has been marked late " internally '' several times due to this issue. I would appreciate this being corrected within their company.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (SC)

In XXXX of XXXX my ( then husband ) told me that we were moving and needed my ID and SSN emailed to a lady. He said he took care of everything and I was not on the lease, they just wanted to know who would be living there to run a background check. He kicked me out 3-4 months later in XXXX of XXXX and said it was his house because I wasnt on the lease. Later in XXXX, around XXXX, I received a debt collection from XXXX XXXX XXXX in XXXX XXXX stating that I owe {$3700.00} because he defaulted. I contacted the company and was told that I signed the lease. No one was trying to listen to me or help me. It was during Covid so I couldnt visit their office. After going back and forth with the collection company, Financial Data Systems and the rental company, I was getting the run around and was told that I signed the lease. When I FINALLY received a copy of the lease, emailed to me, MY SIGNAUTURE NOR INITIALS were anywhere to be found. All places where a second person would have signed or initialed were blank. Only my ex husbands signature and initials were on the document. This collection has caused me to be denied rentals to live and has caused a high negative impact on my credit. I want this removed.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have request an investigation of XXXX XXXX XXXX on my credit report. The charge-off of an obligation with XXXX XXXX XXXX is incorrect the following is the identifying information of the error { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading or meaning in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section. 

If, after any reinvestigation under paragraph ( 1 ) of information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigate, and
Consumer complaint received 2021-05-04
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. (GA)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Consumer complaint received 2016-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Great American Finance Co (MI)

Great American Finance is a fraudulent account that was opened in my name. I was successful at getting the account removed from XXXX and XXXX but not XXXX. I have reported this account as fraud with XXXX and they always say the completed results have verified the account belongs to me. I have even sent a complaint with consumer finance and XXXX responded saying Great American Finance provided them with my correct birth date, social security number, address and name. Which makes sense because the person who opened the account stole my identity and used all of my information. The account is not mine and they continue to report inaccurate information to XXXX. I went to the police station filed an identity theft report and the officer even spoke with a representative from great American finance who said if I fax the affidavit and identity theft report, they would delete the account. This has yet to occur
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

Upon Auditing my Thank You Rewards Credit Card with a Supervisor at Citi, we discovered a huge discrepancy that no one can find out why but had an idea and was going to investigate. It turned out that balance transfers are done manually and can human error. ( Balance transfers from cards closed due to security measures ). Initial Audit Dated XXXX XXXX show discrepancy of nearly $ XXXX. NOW, after dissecting this to a minutia year by year for XXXX and XXXX, I find out I am actually OWED money, just over $ XXXX. I have evidence generated by Citibank.com of spend activity that supports this. However, my monthly statements due not reflect the true activities online. I checked all my other Citi Cards, the online activities AND billing statements match dollar per dollar. It is just this account.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Account name : XXXX XXXX XXXX Account number : 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 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.
Consumer complaint received 2021-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I pulled my credit report and noticed I have 2 unauthorized inquiries from the following companies and demand that they be removed from my credit reports. Not only is it inaccurate because they are reporting separate dates, but per the FCRA, any inaccurate reporting information must be removed so I'm demanding the removal. 

XXXX  : -XXXX  - XXXX XXXX ( inquiry from XX/XX/2020 ) TransUnion -XXXX/XXXX  ( inquiry from XX/XX/2020 )
Consumer complaint received 2015-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have an application for mortgage assistance sent to my loan servicer, Wells Fargo. Wells Fargo has not indicated that there are missing documents. Wells Fargo has been reviewing my application for several weeks. Today a representative from my servicer indicated that there will be no written decision and that Wells Fargo will conduct a foreclosure sale on XXXX XXXX, 2015. Wells Fargo knows that I am entitled to a written decision. Furthermore, Wells Fargo knows that if the decision is a decline I am entitled to a XXXX day appeal period. Wells Fargo is simply attempting to see what they can get away with.
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (NJ)

On XX/XX/2021 I received a billing statement in the mail from a collection agency called AMERICOLLECT, INC notifying me of an amount due to a hospital. On XX/XX/2021 I mailed a debt validation letter to their offices via USPS, asking them to validate the debt for which they are seeking to collect. Unfortunately that letter was mailed un-certified and strangely, I did not hear back. After recognizing my error, on XX/XX/2021 I mailed a second Debt Validation letter via USPS Certified Mail accompanied by a return receipt. In the Debt Validation letter I asked AMERICOLLECT, INC to prove that this medical debt is mine. I asked for specific documents, at minimum a document bearing my signature where I acknowledged owing AMERICOLLECT, INC. A few days later, I received my return receipt in the mail and about ten days after that, I heard back. AMERICOLLECT, INC responded by sending me a vague semi-itemized bill. It is my belief that AMERICOLLECT, INC has failed to validate the debt in question, which is a FDCPA violation. Furthermore, they have failed to provide proof within the document as to their legal rights to collect on this debt. Not only did AMERICOLLECT, INC not validate the debt but the company decided in the interim to take action and report this invalidated debt to the credit bureaus. As soon as I received the first paper billing statement in the mail, I immediately sought to understand who they were and where this was coming from. The action of reporting this debt, which had NOT been validated constitutes fraud under both Federal and State laws. As of XXXX XXXX, a third and final correspondence has been mailed to AMERICOLLECT, INC in the form of a Failure to Validate letter. In the letter the company has been alerted that I will seek legal consult as to how to move forward. The action AMERICOLLECT, INC has taken to report this invalidated debt has proven detrimental to my credit report and credit score.