davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
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. (NC)

YOU BROKE THE LAW!!! 

Dear Equifax, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system depends upon my consumer reports being fair, and accurate to me. Pursuant to 15 usc 1681 ( a ) ( 1 ). Pursuant to 15 usc 1681 ( a ) ( 2 ) congress make it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 usc 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, causing XXXX XXXX and XXXX XXXXXXXX. I have been unable to get a job because of you assuming this role. 
Pursuant to 15 usc 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer. You have no proof that this transaction even took place. You are also impartial, because you allowed information to be reported while only hearing one side of the story. You also infringed on my privacy.by having a conversation about me with a third party and reporting this information as a result of this third party. I am demanding that this information be removed as soon as possible.

Pursuant to 15 usc 1681 ( a ) ( b ) You did not meet the needs of commerce this was NOT fair and equitable to me. This information is NOT accurate.

You are in violation of 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a factual transaction, Which you would not know because you was not there, it would be a transaction that solely took place between and the person that allegedly made this report. So pursuant to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my report. 

ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

Mohela has repeated failed over the last 8 months to convert all of my student loans from 10 year level pay to 25 year level pay loans. Starting XX/XX/XXXX I requested my loans convert from 10 year level pay to 25 year level pay as I just was purchasing a house that ended up having more problems than anticipated. These higher costs have become a burden. Mohela changed all but one of my loans from 10 year level to 25 year level pay. The loan they refused to change even after reviewing my four repeated requests is the largest, at approximately {$20000.00}, with the highest interest rate of them all. Thus, the most profitable. The change from 10 year to 25 year would save me {$100.00} a month ; it would make a big difference in my family and my own situation. I submitted requests for the 25 year level term pay on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They placed me on administrative forbearance that has ended and I have had to make payments since XXXX that are over {$100.00} more than I should have to make. They reviewed and dismiss my XX/XX/XXXX request as duplicate, I believe in XXXX, and marked my first two requests as approved but I continue to pay a third higher monthly payment as they have repeatedly refused to properly service my loan with this repayment schedule change. Frankly, as this is the highest interest rate, largest, and highest payment loan by a wide margin it does appear to be purposeful. This is echoed by many other 's online feedback and discussions of repeated failures always to the detriment of borrowers and demonstrating a pattern of abusive loan servicing practices. I have also submitted a complaint regarding this at studentaid.gov today, XX/XX/XXXX, as no remedy is in sight and the additional financial pressure builds on my family each month.
Consumer complaint received 2022-01-20
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: Resurgent Capital Services L.P. (NJ)

I disputed an entry on my XXXX report. Originally I did not even recognize the entry because it was reported as a XXXX XXXX  card which I never had. I then noticed it was from XXXX XXXX XXXX and was an account they sold to Resurgent. I had paid off the account and had an agreement that the account would not be reported and removed from my credit report. I have a letter verifying this agreement. Initially XXXX stated they had proof this was my account and I submitted a dispute saying it was to be remove per the agreement with the creditor. I have submitted the attached letter twice and asked for this entry to be removed but XXXX, XXXX XXXX XXXX  and Resurgent refuse to comply.
Consumer complaint received 2015-05-23
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

By law a register letter has to be send to the customer within 15 before any repossetion can take place, Loanmart repo my vehicle without any warning and knowing that a lawyer was negotiaring a payoff. Now I have to pay {$450.00} for repossetion fees and a {$25.00} dollars storage fees. This company has been rip people off taking advantage of people in need.
Consumer complaint received 2016-01-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (AL)

Diversified Consultants has listed a collection account on all XXXX of my credit reports that does not belong to me. I sent them notice asking for validation and proof bearing my signature that I signed up for a contract with XXXX that shows me being liable for the account. They have failed to provide such proof and now have reported this account on my credit reports causing harm to me. This reporting is a violation of my right under FCRA as they have not provided me with proper documentation prior to reporting this account nor proper documentation proving this account belongs to me.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I have had my discover credit card since XXXX of 2015. I used the card a lot and carried a balance most of the time. Last year I received a bonus at work, and paid off the credit card in XXXX to increase my utilization ratio, that will be good for my credit score. And low and behold, my credit score got higher by quite a lot. I have not used the card since I paid it off. I traveled to my home country ( XXXX XXXX ) as a family member got very sick with covid and I left on short notice. Ive been away for 4 months. I get back, and without any notice - I receive an email from Discover bank 2 days ago close to midnight, that my account has been closed due to inactivity. Ive been a member for nearly 7 years and never had one late payment. I called them and they were so unhelpful. Even the supervisor. Rude in-fact and just wouldnt even try to help. This will hurt my credit report tremendously as this will decrease my overall credit utilization ratio.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a good credit standing with XXXX for over 2 years and paid in full.. XXXX is only able to report my good standing paid in full with XXXX, as XXXX and Transunion are no willing to report closed accounts that had Ch XXXX prior to getting the loan. XXXX XXXX issued a letter and an apology fearing if they report it to TransUnion and XXXX, the XXXX agencies will report me as open account which will cause me more harm. I contacted Transunion and spoke to a supervisor name XXXX and I wrote to XXXX & both agencies are not willing to help me.
Consumer complaint received 2024-05-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation (GA)

1ST Franklin Financial Corporation and/or its representatives did on or about XX/XX/XXXX use or allowed to be used my nonpublic personal information, to wit ; my Social Security Number, Name, Address, Phone number and other personal identifiable information to obtain financial benefits ( Loan ) in my name via the use of fraudulent Security Instruments while requiring me to repay said fraudulently obtained financial benefit under the guise of an otherwise legitimate Agreement used to deceive me into believing that the financial benefit ( Loan ) originated from their corporate extension of credit when in reality the financial benefit ( Loan ) origination resulted from the fraudulent used of my SSN and other personal identifiable information used to identify me. ( see, uploaded Doc ) Moreover, said fraudulently obtained financial benefit is being fraudulently reported on my consumer report ( XXXX XXXX, XXXX, XXXX ) under the pretense of a legitimate loan, despite my XX/XX/XXXX letter to 1ST Franklin Financial Corporation OPTING OUT of the sharing of my Non-public personal information in violation of the Privacy Act of XXXX et. al ...
Consumer complaint received 2022-01-20
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: Continental Finance Company, LLC (DE)

I had fraud on my account in XXXX. In XXXX a new card was issued to me and the full balance was transferred to my new card. Then credits were provided for the fraudulent charges equal to about XXXX. In XXXX the charges were reissued to my card seems they didnt document the card was lost/stolen and not in my possession. In XXXX I received a letter that the charges were credited dispute was resolved in my favor. I never received new credits after the rebill in XXXX. I have called this bank over 25 times spoken to mangers and mangers mangers. They all say they are submitting to the fraud department and I should see the credits within 2 days. Last time I called was about 20 days ago my account is overdrawn due to this my credit score has dropped over XXXX points due to this and I refuse to make another payment. They owe me the credits for the dispute being resolved in my favor. I also have an email for a XXXX who never answers supposedly he is working on mh case from day one. When I call the number on the letter from fraud department I get a voice mail no one calls back.
Consumer complaint received 2015-09-02
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

In XXXX 2014 I purchased a new vehicle. The auto dealer brokered financing for a car loan. Now I am attempting to purchase a home and can not obtain a mortgage because I have over XXXX hard inquiries on my credit reports from all XXXX agencies. 
Capital One Auto Finance pulled my XXXX, XXXX and XXXX credit inquiry on XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14, XXXX/XXXX/14 and XXXX/XXXX/14. XXXX inquiries in XXXX months on all three reports? How is this allowed?
Consumer complaint received 2022-07-19
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. (OH)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Employers : XXXX XXXX Addresses : XXXX XXXX XXXX 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 Public Record : XXXX  XXXX Bankruptcy XXXX Inquiry : 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 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 Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Public Record : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX 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 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  Employer : XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Public Record : XXXX XXXX Bankruptcy XXXX Collecons : 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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (ND)

Experian Is reporting Unknown Inquiries on my credit report. I did not consent to have these furnished on my report and I did not receive any benefit from these accounts. 

Arbitration is the next process will I will be seeking 1k per violation under the FCRA Civil Liability act. This is also a notice to arbitrate if this isnt resolved immediately.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliance CAS, LLC (GA)

I have tried to pay my HOA fees and have been denied on numerous occasions and blocked from the website the community uses I have asked for a meeting with the board and never recieved a response. I have made numerous offers to pay down my fees to bring them current and I'm constantly denied but paperwork is being processed and I have yet to be summons to court for a hearing. I have also been in contact with XXXX XXXX i reached out a month ago with making a payment offer that he is going to see if the board will accept my offer to pay once again I'm waiting on a response but as of today XX/XX/23 I received a foreclosure letter out of no where when I've been waiting on response from the board with acceptance offer made a month a no one is giving me the fair chance to make payments snd actually explain what's going on or have I been able to be in a hearing to explain my hardship. All I would like to do is bring my assessments current and be caught up. The Hoa is using illegal practices against its home owners and using an attorney that doesn't identify himself as a debt collector.
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

Please open attachment. American Express has violated my federal rights Pursuant to 15 usc 1602 ( p ) and 1602 ( n ). They have not responded to my communication or have done what Ive demanded of them.
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

Equifax scored me at XXXX stating that " the key factors that adversely affected your credit score '' are ( 1 ) Lack of recent installment loan information. ( I do n't have installment loans ... I pay cash! ) ; ( 2 ) Too few accounts currently paid as agreed ( XXXX I pay everything as agreed and pay all credit cards off in full each month and carry no finance charges! ) The other two reasons given are subjective and totally inaccurate! ( Please say Hello to XXXX ! )
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-07-19
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. (OH)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX, I Employers : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Public Record : XXXXXXXX  XXXX Bankruptcy XXXX Inquiry : XXXX XXXXXX/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 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 XXXXXXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Public Record : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX Public Record : XXXX XXXX Bankruptcy XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX