davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account Number XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXXXXXX XXXX XXXX Account XXXX has violated my rights . Or a list of inquiries : 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 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I pulled a copy of my credit report and noticed that the account from XXXX XXXX XXXX is being reported as a repossession. There is no deficiency balance, this account has been paid as agreed and reporting this information is inaccurate. I have reached out to all 3 credit bureaus to have this information corrected with no formal response.

This information being reported to my consumer report is in violation of 15 USC 1681.

I have the right to privacy and have not given written consent for this misinformation to be reported.

Furnishing my transactions and experience are violating my consumer rights. But most importantly each company has the responsibility of reporting maximum accuracy and not doing so is also in violation.
Consumer complaint received 2022-07-20
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. (FL)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/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 2018-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

This company has garnished wages without providing verification of debt and without notifying the courts they are collecting the debt on behalf of XXXX XXXX for account XXXX, Ive spoke to a legal representative and requested for her to provide validation of debt and she said theres already a garnishment in place so they can collect on debt owed which is actually from XXXX XXXX and not XXXX XXXX. This company has also refused to oblige by their pledge to stop collections efforts on accounts suffering from financial hardship with documentation. I have provide FMLA paperwork to XXXX XXXX more than once, this information was taken into consideration with their collection department but not their legal department and this company is suppose to be one entity. The representative Ive spoke to stated that I DID NOT MEET THE CRITERIA with the legal department but the criteria was met with the collection department. He did not request for additional information and said he can not disclose what else is needed. This company practice unlawful acts when collection from consumers, and although the accounts are suppose to be cease and desist I was still contacted by mail from this company and not through law which is a violation of 33-18-1004 and subject to civil penalty.
Consumer complaint received 2016-07-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Curtwright & Klein, LLC (TX)

Curtwright & Klein, LLC called me using XXXX. The person callling refuses to identify himself. I 've asked him 5 times not to call me at work because I can be fired. They use vulgar language and threaten me with legal action. They are a collection agency not the original creditor. I am writing the state attorneys General Office for Texas, and also copying the debtor 's so-called " compliance '' department regarding violation of the FCRA because Curtwright & Klein use of threats, other means, use obscene or profane language, falsely represent that the debt collector represents a state or federal government, gives me misleading information on the amount or legal status of a debt and declare it is " Pre-Legal '' giving the false implication that debt collector is an attorney or law enforcement officer, or that nonpayment of a debt will result in arrest or imprisonment, and cause my telephone to ring repeatedly with intent to annoy, abuse or harass. Please enforce the law regarding this type of horrible harassing behavior.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On approximately   XXXX   XXXX    2017  I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017,  it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX  payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.
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 — Problem with personal statement of dispute
Company: World Acceptance Corporation (LA)

I have 3 late payments on my report I have talked with several representative and even supervisors about this I was in the hospital do to XXXX and was not able to work I asked what can I do because I wasnt able to work for at least a month the creditor told me the computer does everything I told them its stopped me from getting a house and moving on with my life
Consumer complaint received 2015-08-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (NY)

There was an unauthorized use of my debit card on XXXX XXXX, 2015 @ XXXX. at XXXX located at XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$41.00}, transaction ID XXXX. A second attempt was made for a larger amount, but was declined. My debit card was not lost or stolen so I canceled this card on XXXX XXXX. The only time I used my card on XX/XX/XXXX was at XXXX in the XXXX XXXX XXXX in XXXX, NY. I noticed the charge when I was checking my online account and I immediately contacted my bank.
Consumer complaint received 2015-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTIONS USA, INC. (AZ)

XXXX XXXX XXXX management made a mistake and I 've explained to them not thing to do with me after moved out for XXXX months! 
Account Name COLLECTIONS USA INC No Data ReturnedFor This Bureau CLLCTIONSUSAAccount # XXXXAccount Type Collection Department / Agency / Attorney Collection AccountBalance {$530.00} $ XXXX Opened XX/XX/2013 XXXX/XXXX/XX/XX/2013 Account Status ClosedThe collection debt still open from XXXX report why?
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NJ)

PSLF form was submitted in XXXX of XXXX I called the loan servicer, Mohela, to follow up on why I was denied forgiveness. Representative told me there is no document on file, nor am I in the system for loan forgiveness. She instructed me to manually upload my application.

PSLF maually uploaded XX/XX/XXXX. Current status states, " duplicate form. '' I emailed XX/XX/XXXX, twice in XXXX, and called to gain more information on my status and an understanding of why I am being denied, despite meeting the criteria. 

Mohela is very difficult to get in contact with and representatives are ill informed on the forgiveness process.
Consumer complaint received 2015-06-26
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

In follow up to the complaintXXXX, I have asked Chase to provide me the Appraisal that was done on XX/XX/XXXX which resulted in the amount shown on my original contract. I have paid for the appraisal and need a copy of it, they have refused to send me a copy or they did not actually perform the appraisal. Each time I request the XX/XX/XXXX appraisal they will forward me an appraisal that was done on XX/XX/XXXX.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NC)

I sent a inquiry dispute letter to equifax stating that certain inquiries on my credit reports was not authorized by me and I asked to see verifiable proof with a document bearing my signature. They sent me a letter saying that it was verified but no proof which anyone can say that it have been verified.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (AL)

I am submitting this complaint on behalf of myself. It is sad that the credit reporting agencies can flat out violate the federal law like this. After several calls to Experian, XXXX, and XXXX and the reps hanging up in my face I am here to get resolution. This is a direct violation per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.. I not once gave the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I will be be taking this to the next level if this is not corrected. It clearly states that once I notify each credit report agency of any error it is to be removed and corrected. I am the consumer and I am the person to identify this information for validation. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

BANK OF AMERICA CREDIT CARD CLOSED BOTH MY CARD ACCOUNTS DUE TO SSN BEING " DUPLICATE '' THEY SENT ME ONE FORM OF WHICH I FILLED OUT AND RETURNED, HOWEVER, B OF A CLOSED MY ACCOUNT ANYWAY AND DIDNT EVEN INFORM ME, I WAS NOTIFIED BY MY CREDIT MONITORING SERVICE. WHEN I REACHED OUT TO BANK OF AMERICA TO GET THIS RESOLVED, I WAS TREATED RUDLY BY THE TEAM MEMBERS AND HUNG UP ON XX/XX/2019.
Consumer complaint received 2016-04-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I recently applied on-line with SpringLeaf Financial for a personal consolidation loan and was approved on-line and was told that I to call to speak with a loan officer to process the loan. I called and provided detailed information to the specialist which included the fact that we had XXXX vehicles which were owned and had a loan out on them as well which we desired to consolidate in this new loan. Whereby, the bank would receive the XXXX titles as collateral. I was then informed I only needed to send in my last XXXX pay stubs to complete processing the loan. With this proof on income the loan should have been seemlessly processed. However, on this morning I was told they would not process the loan since the collateral has money owed to XXXX which they were made well aware of on yesterday before requesting me to send in my last XXXX paystubs. This is Credit Discrimination in and of itself. I had a longstanding small loan with them from last year which has been paid back consistently and never late. I repeatedly received solicitations about renewing or applying for an increase, prior to me applying on line yesterday. The practices of this firm is blatant discrimination towards XXXX minorities specifically. They should be ran out of business and not be allowed to practice anywhere in the United States of America.
Consumer complaint received 2024-02-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-11-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (OK)

I have an American Express card, on this month 's bill I was charged with interest on a purchase in 2018. They are calling it a trailing interest. I would have paid the interest on the billing statement for 2018. This year I have been charged {$680.00} in interest alone and can't afford that kind of cost.
Consumer complaint received 2015-11-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Specialized Loan Servicing Holdings LLC (CA)

The lender, XXXX ARM Trust Mortgage Pass-Trough Certificat XXXX XXXX XXXX, XXXX XXXX Bank XXXX XXXX, as Trustee as Serviced by Specialized Loan Servicing LLC, which I have my mortgage loan for my home located at XXXX XXXX XXXX, XXXX, CA XXXX, is claiming that I have not paid my home mortgage payment since XXXX 2015 which is totally wrong. And to make things worse they reported it to the credit bureaus. Every month we call the lender to pay the mortgage and they take the payment from our bank account, purchase a XXXX XXXX check, which we pay for it. After the payment is done, they send us a copy of the XXXX XXXX receipt. This has been happening for the last 5 years without missing any month. 
At this time our home interest is variable so we are trying to refinance to get a fix rate. When we contacted some lending companies we found out that they are claiming we have not paid them and we got reported to the credit bureaus. On XXXX/XXXX/15 we sent the lender a letter requesting to remove the wrong information reported to the credit bureaus and provided proof of every payment made every month through XXXX 2015. We receipt a letter that it was going to take at least one month to investigate the case. This is affecting our credit as well as stoping us to refinance our home loan. We need to have a quick response as we are afraid that the interest rates will increase and we will not be able to refinance. In addition, about one year ago they were trying to do a short sale with our home saying that we missed the mortgage payment. Again, that was wrong, our attorney deny the request when we proof that we have been making our monthly mortgage payments. We believe these are unnecessary and wrong procedures on their part. We would like them to removed wrong information reported to the credit bureaus, approve and report to the court that they agree that our debts to them through the Chapter XXXX is zero and information can get recorder accordingly. 
We will be happy to provide information to back up our theory. l You can reach me at XXXXXXXXXXXX or you can call me at XXXX with a response to our request.
Consumer complaint received 2020-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.