davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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. ( 1 ) XXXX XXXX XXXX XXXX account # XXXX ( 2 ) XXXX XXXX account # XXXX ( 3 ) XXXX XXXX account # XXXX xxx ( 4 ) XXXX XXXX XXXX XXXX account # XXXX ( 5 ) XXXX XXXX XXXX account # XXXX 15 USC 1681 Section 602 A states i have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 USC 1681 S-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.

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Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (HI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these 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 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 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (MI)

1 ) American express used a bait and switch deceptive marketing technique and increased fees from 0.2 % to 3600 %. More details : 2 ) They originally offered about 0.2 % fees for paying a charge over a 3 month period. For example, if I purchased a {$1000.00} appliance, I will only pay a total of {$1000.00} in total. This total is divided by 3 and paid as {$330.00} in 3 monthly installments with no other fees or interests. 
3 ) Later, from this month ( XX/XX/2020 ) onward they 'removed ' the 0.2 % fee and offered 36 times the original fee and a minimum of 9 months. That is, the same {$1000.00} appliance will cost {$1000.00} in total. They are also trying to circumvent the interest rate laws by calling both the ( 0.2 % and 3600 % ) charges as 'Plan fees '. 
4 ) I have attached screenshots of American Express Website to  corroborate all of my above statements, showing the following amounts along with my calculations as detailed below : 4a. Old Plan Fee/ Principal amount = ( XXXX ) * XXXX = 0.2016 %. 
4b. New Plan Fee / Principal amount = ( XXXX / XXXX ) * XXXX = 7.344 %. 
4c. Difference = XXXX = = XXXX times = 3642 %.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (CT)

i have fully paid XXXX their balance of {$130.00}. The information that is being reported on this account is inaccurate and in effect hurting my consumer credit profile and score. The presence of this inaccurate information is affecting my financial wellbeing and needs to be corrected immediately. This account should have never being sent to collections and i want the CFPB to supervise in the deletion of this account.
Consumer complaint received 2021-10-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Green & Sons Agency, Inc. (UT)

I havent heard anything in a couple weeks. The last thing I heard was that the company would check into the bankruptcy and dismiss the debt if they found the bankruptcy case. I even provided the case number. Which is # XXXX XXXX. I even sent an email to the manager at Outsource Receivables management and no one responded.
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

I called my current loan servicer, which was XXXX at the time in XXXX after waiting on the telephone for more than 2 hours ( my loan servicer was formerly XXXX XXXX ; my loans transferred to XXXX on XX/XX/XXXXXXXX  ). I finally reached someone and told them I wanted to request a refund of my payments that were paid between XX/XX/XXXXXXXX  to XX/XX/XXXX. I was told my loans were in the process of being transferred to Mohela, so I had to contact them. I called Mohela, who told me to contact XXXX again because my loans had not been transferred to them yet. I called XXXX again for the second time after waiting more than 3 hours, and when I finally got through to someone, they told me they had to transfer my call to someone else if I wanted to request a refund. I told them I could not hold on the line any longer because I was at work and had to go see patients, so they gave me an e-mail address to request the refund. I sent XXXX an e-mail on XX/XX/XXXX requesting the refund, and I still have not received a response from them. Once Mohela became my loan servicer, I decided to call them to request the refund, but they had informed me that I had missed the deadline and was no longer eligible for a refund. I have submitted a complaint regarding my above experience through the studentaid.gov website on XX/XX/XXXX, and it is still an open case last I contacted them.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX Balance : {$20000.00} - This kind of account is noted as a charged off account. The account balance is truly inaccurate, be sure to remove the item fully. Please also offer documentation to make sure that all the charges and credits to this particular alleged account that caused the high credit number you have displayed on my report. My petition to give these records is seen as a standard information inquiry as per my privileges awarded through the fair credit billing act. If you're unable to deliver this data per my civil rights inquiry, you should automatically eliminate this specific erroneous entry.
Consumer complaint received 2020-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

Collection was placed in XX/XX/2019 .. it was an ex boyfriend 's account apparently that I had not been involved with in over 3 years.. I had been married to another man for 2 years ... It is not my account.. I never signed, agreed with, not had any knowledge of this account. I filed a dispute and they changed it from being my account to me being cosigner .. I have contacted them and requested verification or signed document, my photo ID, anything, they can provide nothing because it is not my debt .. I did not have any knowledge of it .. it is illegally listed on my credit bureau in violation of fcra
Consumer complaint received 2021-09-27
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: Exeter Finance, LLC. (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (GA)

Collection was placed in XX/XX/2019 .. it was an ex boyfriend 's account apparently that I had not been involved with in over 3 years.. I had been married to another man for 2 years ... It is not my account.. I never signed, agreed with, not had any knowledge of this account. I filed a dispute and they changed it from being my account to me being cosigner .. I have contacted them and requested verification or signed document, my photo ID, anything, they can provide nothing because it is not my debt .. I did not have any knowledge of it .. it is illegally listed on my credit bureau in violation of fcra
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (FL)

I contacted the credit card company on XX/XX/XXXX because I had a charge in the value of XXXX dollars to open a dispute, after waiting a long time on XX/XX/XXXX, I received a letter from the bank informing me that they would be crediting a value of XXXX dollars I should be responsible for the rest. 
The letter states that they were crediting that value of XXXX, but the information I have was that the company that made this debit in the account made a refund of this value. 
I told them that I disagreed because I disputed the transaction of XXXX, so they opened a new dispute in the value of XXXX, but it has been a long time, and now they want me to contact this company that initially made the charges and work things out with them.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NC)

Today XX/XX/XXXX I was contacted by MRS about debt I owed XXXX that I never paid. I then contacted XXXX  and they say I don’t owe them anything and they never contacted mrs to collect debt.
Consumer complaint received 2021-10-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (AZ)

Ally financial they willingly new this contract was fraud and continued to tarnish my name a Reputation. They also took XXXX from me on a consumer credit transaction which shall be the sum of all charges and not comparable to a cash transaction. 15usc1605 4109.81 is owed back to me for my back payments I've made to you guys 15usc 1692 h Plus my XXXX deposit Plus the serveal violation I've marked as exhibits thatsowed to me asap. 
XXXX in violations from statements I'm demanding my title and lien for free and all payments owed to me. 

There's a cease and desist on this account you guys will also be receiving my affidavit oftruth and a invoice certified mail.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I refinanced my loan back in XX/XX/XXXX with XXXX XXXX and they sold my loan to DMI in XXXX XXXX. I sent my first payment to XXXX XXXX on XXXX and was received on XX/XX/XXXX. XXXX XXXX forwarded my check to Dovenmuehle Mortgage DMI when they sold my loan. DMI cleared my check on XXXX/XXXX but didnt apply it to my account. I didnt find out about it until I checked my XXXX account and checked my mortgage account, it was then that I discovered my mortgage balance was still the same, nothing was deducted but they cleared my payment. I had called several times, even spoke with four different supervisors and each time I call I have to explain myself over and over again. All of them dont seem to know what theyre doing. I even emailed them my proof that my check was cleared by them and itsBeen almost two weeks and I still havent received any response. please help. Recently, I checked their XXXX and XXXX page and all I saw was negative reviews. They were rated 1 Star on XXXX. Im surprised Dovenmuehle Mortgage is still operational despite their horrible customer service.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

The following accounts listed above and in this paragraph : In accordance with Fair Credit Reporting Act, Original creditor : All. Accounts with different balances. # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed. 

Please let it be known the other credit bureaus have removed these items due to inaccuracies and failure to provide evidence. 
All late payments are illegal. 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed. 

Please be advised I have filed a complaint with the CFPB regarding these inaccuracies complaint # 1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is, the actual accounting. 
3. 
4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. 
6. Please provide the original docurse and wet signature if you cant provide these items Delete them. 

Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 

Attatched below is a copy of my credit letter and all the accounts that are reporting inaccurate a i demand these accounts be updated as XXXX XXXX as agreed or inaccuracies deleted,.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (PA)

Customer Service UNIVERSITY ACCOUNTING SERVICE , LLC XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX Fax : XXXX Office Hours : Monday-Friday XXXX to XXXX XXXX  Central Time Email : XXXX XXXX XXXXXXXX I would like to file a complaint on UAS, the loan servicer for XXXX XXXX XXXX XXXX. I have two private student loan accounts with them. 

I have contacted UAS  and XXXX multiple times regarding forbearance, I lost my employment due to covid19 on XXXX of 2020 and I am also XXXX. In the last year and a half I have been given missinformation regarding my account, I have been advised that my loans are in forbearance while reporting to the credit bureaus that I am past due and heavily impacting my credit score and my ability to retain housing and transportation services due to the credit score being incorrect. 

UAS has single-handedly dropped my score over 100 points in the last year. I have filed disputes with the company, credit reporting agencies and UAS is continuing to advise me that my loan is in forbearance while marking my account overdue instead. Each time I contact them there is a different reason why and each time it takes over 3 months to resolve, while they advise me to wait they are also reporting incorrect information on my credit report.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
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 is alleging to have verified these inquiries but provided no evidence for me to inspect to prove that I initiated these inquiries. I demand Equifax provide me with the evidence used to validated and verify these inquiries. 

Inquiries XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Consumer complaint received 2020-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (MD)

My complaint is with Earnest/XXXX  who I recently refinanced my loans with. I was informed on XXXX ( Friday ) that my payment via autopay was rejected even though this is the same account that was used to receive a refinancing bonus. When I went to make a payment online, I was charged twice the amount. There is no option on their website to alter the scheduled payment amount, which I find to be preposterous. I was debited twice the amount from my account the following Monday. The website also stated that my autopayment discount would not be applied to my loans. As of XX/XX/14, I still have not received the second payment and I was informed by a customer service representative that their systems do not allow them to update autopayment accounts online. She asked that I submit paper form with the same information I have already submitted online.