davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with ABLTY RECVRY plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$66.00}
Consumer complaint received 2021-04-08
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. (GA)

XX/XX/XXXX is a system that allows companies to view or have access to court records. A bankruptcy is considered a public record and anyone seeking knowledge of a bankruptcy should visit the court during business hours and pay a fee to view those documents. Under the FCRA my consumer report is private, it's not considered public record. There should be no reasons why a bankruptcy is furnished on a private consumer report, it is illegal. I have reached out to all three major credit bureaus, XX/XX/XXXX and transunion numerous of times and they have ignored my request to remove the bankruptcy furnished by a third party. Attached you will find a letter from the United States Bankruptcy court stating they do not report to credit agencies and they have no part in companies misusing the information obtained from public record. 
According to the law 15 USC code 1681 Permissible purposes. I never gave XXXX, XXXX, nor transunion consent to report a bankruptcy on my credit report. No consent is considered idnetity theft and the bureaus can be fine {$1000.00} per violation under the law. Also, this information has ruin my reputation and that is a violation under the law as well.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (NC)

Following my initial dispute sent on XX/XX/2024, to Southwest Recovery Services concerning two fraudulent accounts ( SWRSXXXX and SWRSXXXX ) listed on my credit report, I have yet to see any resolution or acknowledgment of my identity theft claim. Despite providing a comprehensive identity theft affidavit from the Consumer Financial Protection Bureau, their attempts to collect on these accounts persist, in direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This continued action undermines the legal processes established to protect consumers and disregards the substantial evidence I have provided to support my claim of identity theft. 
I ask that this company be investigated for violations of Federal laws that are in place to protect consumers from companies who ignore victims of identity theft. 

It appears that this company is racially discriminating against me and not honoring my due process regarding my identify theft claim.
Consumer complaint received 2022-08-09
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: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$3100.00}.
Consumer complaint received 2021-06-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PENTAGON FEDERAL CREDIT UNION (CT)

I have a personal loan and an auto loan with Pentagon Federal Credit Union. Over the past several months, I have been contacted numerous times by the credit union with unreasonable requests and demands. For the personal loan, they continue to send me promissory notes to sign - however, I refuse to sign them because they have the incorrect interest rate listed on the contract. 

With respect to the auto loan, I have been contacted several times to provide a copy of my license and proof of insurance and to sign and return documents. I have done all of these things. They also contacted me requesting the title - so I contacted the previous lienholder and was told it was being sent over again. It was then communicated to me that they had everything they needed. A couple of months later, I receive not only another demand for the title but also notified that my auto loan rate was going to be increased to 14 % immediately. I believe there is something amiss with this credit union and some action needs to be taken so they can get their act together.
Consumer complaint received 2017-03-22
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: iFreedom Direct Corporation (OR)

I am veteran who aplyed for a VA house loan with Veterans First mortgage in XXXX XXXX, ca. After working with them for 8 mos. doing all the paper work and paying {$60000.00} for a " appraisal '' the manage asked what other also was needed to complete the loan process. She was told they did not known! I then call and informed Veterans First Mortgage we were dropping them to go to go with another lender and and could we get our {$600.00} back for the appraisal that was never completed. I was told they doubted they could get the money back. They said they wondered why it took us so long to drop them. I do not want some other veteran to go through this process. Our new lender had us well on way within hour phone call! We would like to get our money back?
Consumer complaint received 2022-01-18
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. (KY)

This is a reponse to the letter that was written to me... 

So you guys listen to the phone call and didn't hear of any wrong doing or treating me with my credit report? 

So are your reporting accurate now? 

How many refi have I had with you? 

How many account have I had opened up with XXXX? 

It's way to late to start hiding the hand after you threw the rock... 

Well I want all question answered. And im gon na help you with the phone call... Maybe you missed it... I have it for you ... enclosed is a transcripted of phone call.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

XXXX put negative information on my credit report about a company I never did business with and my person information was hacked o XXXX XXXX and XXXX and my personal information was stolen. I filed a report about identity theft and would use to create and account that was stolen through identity theft. XXXX will not respond through my calls or through their web site. I have did everything that is possible to solve this problem and I have frozen my credit accounts.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experian XXXX Account number XXXX This account have been paid in full and Experian reporting the account is closed! I have asked Experian to remove this account due to not reporting accurate information. 
Experian violated my rights. Accordance with the Fair Credit Reporting ACT Convergent 15 U.S.C 1681 SECTION A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (PA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc. (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). XXXX XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; PLEASE REMOVE THE FOLLOWING : 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 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (OK)

Ive called several times and disputed this on my credit. I lost my business during Covid-19, I called in to see if they would work with which I was told they would. They sent me documents the first time, I signed and they never received them. Answered the phone a month later to only be told I never made my payment. I explained It was supposed to be attached to the end of the loan as I was explained by their representative. I was also, told by their representative on a recorded line that it didnt really matter anyway because late payments would not be reported to my credit during Covid which put my mind at ease. Now, I have 2 late payments on my credit report that are effecting my tremendously as Im trying to get back on my feet after losing my business during COVID-19. Im so disappointed with Santander finance. It is reporting late XXXX and XXXX of 2020.
Consumer complaint received 2024-03-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Credit Services Corp. (NY)

To whom this matter concerns, I am filing a complaint against Statewide Credit Service who is the company seeking to collect a debt for XXXX XXXX sighting incorrect and false information. XXXX I received from XXXX, the company I communicated with and who rent balance and payments were discussed with, the correct amount. So it is clear, XXXX XXXX is who I signed my lease with, but XXXX XXXX took over some time into my tenancy and processed billing etc. rent payments until the end of my tenancy. Per the email received today the correct amount owed is {$1900.00} ( see attached email from XXXX received XX/XX/XXXX ) and not the {$5800.00} Statewide Credit Service has on my collections. I have made numerous attempts to contact both companies ( Statewide and XXXX XXXX ) to rectify to no avail even filled a dispute with XXXX but because everyone I was in communication with is no longer employed with XXXX or XXXX XXXX it took a while to get someone to research the matter. 

Uploaded are the lease agreement to show XXXX XXXX who I signed the lease with, and emails to XXXX and XXXX XXXX notifying them I vacated the unit per phone call to do so to avoid court. I highlighted the email I received XX/XX/XXXXfrom a XXXX rep stating the correct balance. Their negligence even resulted in a lien on my bank account. I am living paycheck to paycheck so why would this be allowed when the facts are misrepresented. 

Thank you.
Consumer complaint received 2020-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc. (IL)

On XX/XX/2018, Merchant & Medical Credit Corporation , Inc. reported a fraudulent account to XXXX  credit bureau. After numerous attempts to have the account removed from XXXX, I've been forced to file a complaint with CFPB. I've sent a copy of my police report to Merchant & Medical Credit Corporation , Inc. to prove that the account is fraudulent. I'm a victim of identity theft.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upgrade, Inc. (MO)

On XX/XX/23 I was in training for a new security job. While in training my debit card was hacked.after my training I went to get something to eat at a burger place while I was there money was being withdrawn from a XXXX store. I closed the card and reported the incident. I informed them that I was in training when my card was hacked. They stated that they investigated but they did give me back my money
Consumer complaint received 2022-06-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (CA)

A loan was taken in the amount of {$3500.00} from a national payday loan company on or around XXXX with XXXX payments of {$380.00} and XXXX payment of {$380.00}. The payments have been taken out of the bank account automatically on the day the social security money hit the account which is every XXXX day of the month. The first payment was made on XXXX. XXXX payments have been made in the amount of {$380.00} through XX/XX/2022 totaling an amount of {$12000.00}. At the time of signing, the payday lender requested blind signatures on an electronic pad and did not offer copies of the 18-page contract that was signed. The debtor was XXXX  years of age when the contract was executed. A request was made to receive a copy of the original contract and it was provided on XX/XX/2022 in XXXX which is the debtor 's primary language. On XX/XX/2022 the bank was contacted to do a stop payment on the XX/XX/2022 payment. The reason why is that the debtor is currently XXXX and lives on social security and a small pension of {$570.00} and can no longer afford to continue to make these payments. Debtor feels that the payday lender took advantage of him. The payday lender was contacted on XXXX and XXXX. A supervisor made an offer in the amount of {$1200.00} to settle this account. This offer was rejected by the debtor. Debtor is applying to low-income housing facilitites and can not afford to have his credit ruined by a loan that was purposely made to defraud and to committ elderly abuse. The APR is set at 131.915 %, a number that was purposely concealed from the debtor by not providing copies of the 18-page loan document. Debtor has attempted to negotiate with payday lender but not amicable settlement has been reached. Debtor feels that paying interest is ok for borrowing money but not at the rate of 131.915 %.
Consumer complaint received 2020-12-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

On XXXX XXXX, 2020 I called my insurance company to file a roof damage claim from a storm that occurred in our area. This was a three way phone call with myself, the insurance company and a roofing contractor. Approximately 12 hours later i received a call from my supposed insurance company stating that my policy was cancelled in XXXX 2020 due to non-payment. I was also informed by them that they had contacted my mortgage company ( Freedom Mortgage ) informing them that if payment was not made my policy would be cancelled. 

Upons multiple conversations with Freedom Mortgage, they told me on several occasions that i do have current insurance, however XXXX XXXX insists that i do not. 

I have tried multiple times to contact Freedom Mortgage about their failure to pay my insurance premium with no reason or return phone call. We have been without insurance for 5 months, and had i not filed a damage claim i would have never known. Freedom Mortgage refuses to return any of my calls, thus due to their failure to assure that insurance was paid for from our escrow account,, they are responsible for this lapse of coverage,
Consumer complaint received 2024-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (WV)

Toyota financial loan was paid off in full on XX/XX/ On XXXX they withdrew {$1200.00} This amount was to be refunded when I called on XXXX. I have called multiple times and they say a check has been processed and will receive in 7-10 days. Then they say it has not been cut Also they owe me {$840.00} for GAP and {$1100.00} for warranty refund
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (PA)

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 & Number XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
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 States : 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 2021-08-10
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: Experian Information Solutions Inc. (OH)

I have file a dispute in regards to the incorrect inquiries items on my credit report. 

Unfortunately it has been well over 30 days and I still have not received any investigation results from any of these companies. 

EVEN SENT FOLLOW UP LETTERS AND NOTARIZED DOCUMENTATION ON XX/XX/2021
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc. (IL)

To Whom It May Concern : Notice for Validation of Debts Pursuant 12 CFR 1006.34 This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 Your Truly XXXX, XXXX ( All Rights reserved )
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has re acquired our mortgage from XXXX ... in this process they have charged a fee to us, and show it as late, even though the transfer took place in XXXX 2015 ... the fee, XXXX they say is related to the expenseof acquiring our mortgage ...