davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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: The Stark Collection Agency, Inc. (IL)

In accordance with the Fair Credit Reporting Act The Stark Collection Agency Account 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 an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however The Stark Collection Agency has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (MN)

Zelle Money Bank Transfer Reject XXXX XXXX XXXX and Phone Number XXXX XXXX XXXX Zelle reject Transfer XXXX Dad transfer money to XXXX bank account XXXX People and XXXX XXXX Refuges that banks can not verify Everyone that Files a lawsuit against the Government and Companies will 100 % never work again and be banned from everything XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC owner Zelle and world XXXX XXXX XXXX XXXX XXXX stole {$100000.00} Dollars from XXXX then 50 Bank lawyers wrote its imposable to Comprehend XXXX has a XXXX Credit Score and 15 Years no bank can Verify XXXX and all Banks respond its 100 % not there fault
Consumer complaint received 2022-06-16
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. (DC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 This is for the following accounts : XXXX XXXX XXXX XXXX XXXX - - - Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type TIMESHARE LOAN Date Updated XX/XX/XXXX Payment Received {$15000.00} Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 120 months Date Closed XX/XX/XXXX
Consumer complaint received 2021-11-04
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: DISCOVER BANK (TX)

Ive been in contact with DISCOVER on multiple occasions in regards to this matter. 

They have violated my rights under the FCRA, FDCPA, The Privacy Act Of 1974. XXXX has disclosed my private information including my phone number, address, name and social security number to credit reporting agencies and other third party vendors.

The Privacy Act Of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. 

DISCOVER violated this act they had no permission by me the consumer to disclose any of my private information.

They also violated my rights under the following statutes.

15 USC 1692b Acquisition Of Location Information. - Shall not state a consumer owes any debt.

In which reported on my consumer report that I owe the a debt. In which the debt has already been paid in full.

15 USC 1681b Permissible Purpose Of Consumer Reports ( 2 ) In accordance with the written instructions of the consumer to who it relates.

I never gave DISCOVER any written consent to disclose any information on my consumer report.

15 USC 6802 Obligation With Respect To Disclosures Of Personal Information A financial institution my not directly or through any affiliate disclose to a nonaffiliated third party no public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

DISCOVER did not provide me with any notice about disclosure of my personal information to any non affiliated third party. That includes credit reporting agencies or any other data recording agencies.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (MA)

On XX/XX/XXXX I received a statement from BMO Harris Bank. I immediately called them and ensured BMO Bank that I never opened an account with them and never heard of BMO Bank until then. I asked to deactivate the account and ensured them that this was a case of identity theft and a fraud. 

On XX/XX/XXXX I received a letter from the debt collector XXXX XXXX XXXX XXXX, wanting to collect {$74.00} on behalf of BMO Harris Bank.
Consumer complaint received 2021-10-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (AZ)

I got a bill related to XXXX from XXXX on a XXXX XXXX, this was to be paid by my health insurance. I repeatedly ( at least 10-phone calls ). I called both insurance and XXXX and doctor office billing department of XXXX XXXX to get the problem fixed. I also sent in fax with insurance info. I had both insurance and XXXX on a 3-way call and thought this was finally after 14-months resolved. The next thing I see is a major deragatory report on my, otherwise stellar credit report from Radius Global. I never received any warning of debt collection attempt prior to this credit report filing by them.
Consumer complaint received 2022-06-16
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: WELLS FARGO & COMPANY (WA)

" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (MD)

TO WHOM IT MAY CONCERN : XXXX XXXX is not licensed to collect debts in XXXX Congress has made it clear that there is abudant evidence of the absuive deceptive and unfair debt collection practices by debt collectors like XXXX XXXX.Thank you for providing me with this documentary evidence of federal violations in the collection of an alleged debt I will need you to provide more documentary evidence of federal violations so i can continue to add to my lawsuit against XXXX XXXX XXXX XXXXXXXX.for the following federal violations 15USC 1692B 15USC 1692C 15 USC 1692D 15USC 1692E 15 USC 1692F 18 USC 1001
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MI)

I purchased a car lease from the dealership which they run my credit score twice the first one was on the XXXX and the second one on the XXXX which is the accurate one is the XXXX I got the car so I want to dispute the one its on the XX/XX/XXXX I dont wants to be in my report. 
Thank you.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-16
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: WELLS FARGO & COMPANY (FL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: States Recovery Systems, Inc. (GA)

SRSI I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number or email address ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to fair credit reporting act section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention..
Consumer complaint received 2021-10-07
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. (MA)

TransUinon continue to violate the FCRA with XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. Re-Aging account is a serious violation of the FCRA. This account has multiple Violations of the FCRA. I had provided proof documentation directly from the credit report circled and highlighted for the CFPB review. 

( 1 ) Violation of the FCRA illegal Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in the comments after I have disputed this account multiple times. 

( 3 ) Violation of the FCRA inconsistent reporting by TransUinon with this account.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (SC)

I was scammed by this dude of the name XXXX XXXX I posted my XXXX on XXXX marketplace he asks to buy it and if I have Zelle I send him my Zelle and he said he tried sending the money I get an email from what I think now is a fake Zelle saying that my account is not a buisness account and to set it up I have to send {$200.00} to the buyer and then I will get refunded I do that and then I get another email from what I think now is a fake Zelle account saying it didnt work and that I have to go to the store and buy {$100.00} XXXX XXXX XXXX I did that and sent them the picture of the code and then they said that they need another {$100.00} XXXX XXXX so me not knowing this is a fake Zelle buy another {$100.00} XXXX XXXX and send the code to them I then get another email from them saying that my funds are approved and all I need to get my money back to my account is another {$50.00} XXXX XXXX so I buy that other one and then there now saying they need {$100.00} XXXX XXXX again and I just realized its a scam
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30-60days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I applied for the HAF program through the state of MD, the governement contracting company handling the applications is TERRIBLE! I have had to reapply bc they changed their system, they aren't being transparent with homeowners who are behind on payments. 

The XXXX XXXX XXXX XXXX XXXX is out of Florida, has approx 9 employees handling 40k applications, can't see docs you upload in the system, the people processing the applications don't sound like they know what they are doing or have processed mortgages or related products before. They are currently NOT in good standing with the state of MD, because they haven't filed taxes in MD for XXXX, XXXX, XXXX & have a poor rating with the XXXX They have threatened to cancel my application, my processor refused to answer my questions while they are the problem and have dragged out the process and NOT letting people know their previous applications had been canceled due the system upgrade. 

I am now being offered a trial loan modification with Select Portfolio but they won't tell me what the final terms will be and get an attitude with me when I ask them. I have 13 years left on my mortgage, why would I want to pay 17 years of interest all over again? 
None this makes sense OR is on the up & up with both companies. 

I am VERY CONCERNED for other homeowners dealing w both these companies as well. 
Please help! Thank you!!!
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (KY)

I am grateful that you took the effort to discard some of the data in my credit report, but there are still items that require deleting. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected and removed from my file immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (NY)

I want to understand why are banks charging customers for past due interest during the Covid-19 Mortgage forbearance process? I can call out two specific banks, United Wholesale Mortgage and XXXX XXXX. Both are charging customers interest that would have been part of missed payments during the forbearance and by default increasing principal balance of mortgage account.
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

I reached out to Citicards CBNA on several occasions to resolve an alleged debt of {$710.00} that was charged off and reported on my credit report. 

I citicard customer services on many occasions requesting a XXXX debt cancellation letter and they refused to send it to me. I even offered to pay off the entire amount on during my most recent call and they refused to accept payment my payment. 

Citicard has unlawfully continued to share my experiences and business transactions that i have with their company with third parties without my authorization in writing. 

Citicard continue inaccurately report late payments on my credit report that is causing an issue on my lending ability. 

Citicard action to report inaccurate late payments, refusal to send me a XXXX debt cancellation letter and refusal to accept payments form me when I attempted to resolve the above issue is unacceptable, unfair and unlawful. 

I therefore request that you help me look into this matter. Thank you.
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CO)

I was Scammed using My PayPal Account for {$1000.00} To a XXXX XXXX My Lap top was hacked. Had to change my Checking account number with my Credit union. Blocked my XXXX account. Unknown if they got my SSN or My Mortgage My Lap top is currently being cleaned by a service in town and will give me a report on their findings.
Consumer complaint received 2021-11-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? I want this taken care of immediately!
Consumer complaint received 2021-11-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc. (MT)

i did not get my personel items out of a repossed car on XXXX and i received no paper work the day they took the vehical. i do not care about the car they wanted it back three years after we filed medical bankruptcy so they can have it all i want are my personel items returned to me