davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

on two separate occasions a company identified itself as Wakefield & associates contacted my fiance and disclosed that i had a medial debt with them. They did properly verify who he was. I believe this is a violation of the FDCPA 3rd party disclosure laws and maybe even a Hippa violation. The calls were placed on XX/XX/2017 and XX/XX/2017. to pone # XXXX
Consumer complaint received 2021-01-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (DE)

New Rez LLC in Pennsylvania acquired a mortgage from XXXX. Mortgage is in good standing with no break in payment history. In XXXX 2020, I called New Rez to refinance mortgage at a lower interest rate. Property was appraised in XX/XX/ 2020, found in good conditions and appraised at nearly double the amount owed. I made multiples phone calls and sent emails to ascertain the status of my application and to get a closing date. As of today, the New Rez staff hasnt given me an estimated closing date. In fact, I believe this company has purposely prolonged this refinance process to keep charging me a higher interest rate. Additionally, this company lacks an understanding of the NJ laws that allow a married woman to own and maintain an investment property on her own right.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

I have a Citi Dividend card and a City Thank You card. They both provide rewards points. Shockingly, despite promising rewards points, Citi Cards actually cancels all those points, effectively stealing them from their customers, after only a year. The catch they have created is that you must accumulate a minimum of {$50.00} in order to be able to cash them out. Unfortunately, I can not spend enough to accumulate {$50.00} in rewards points in less than a year. So, Citi Bank effectively steals the money they supposedly rewarded me with after only a year. This is in effect false advertising, because these are no rewards points ; these are temporary incentive points to try to force you to spend more. And if you do n't, the bank simply steals the rewards they claim to have rewarded you with. I am not aware of any other credit card provider that have the same catch-22 policies to cheat their customers out of their rewards points.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IL)

My student loans were in forbearance and the creditor reported that I was late during the time for two consecutive months for XX/XX/2019 and XX/XX/2019. I spoke with someone that stated they will take care of the issue and reverse it but never did.
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (SC)

FedLoan Servicing continues to send me bills for loans I did not make even though I have proof that I did not. The company states they made loans to me although I received no monies from them. They also state they sent monies to University XXXX who returned all monies to them. I have receipts from the University XXXX proving my case.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-09
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. (NJ)

The accounts listed have violated my privacy and confidentiality rights under the Fair Credit Reporting Act ( FCRA ), a federal law ( 15 USC 1681 ). Specifically, the issue with XXXX XXXX XXXX XXXX XXXX XXXXXXXX falls under 15 USC 1681 section 602 A, safeguarding my privacy rights. Additionally, according to 15 USC 1681 Section 604 A Section 2, any company reporting on consumers, myself included, can not share information about my accounts without my written consent.

Furthermore, 15 U.S. Code 1681a clarifies that a " consumer report '' doesn't include information solely related to transactions between me and the reporting company. Also, in line with 15 U.S.C 1666B, a creditor is not allowed to mark a payment on my credit card account, within an open-end consumer credit plan, as late for any reason.
Consumer complaint received 2024-02-09
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-09
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. (LA)

Reporting personal information to other companies without my consent, the law states 15 U.S.C. SECTION 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 REPORTYING AGENCY CAN FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS Credit defamation : If I have false, inaccurate or derogatory Entries in my reports A personal assest of mine can be damaged and will deserve compensation by law. The inaccurate reporting on my reports are causing damage to my creditability. Equifax is reporting late every month is a major concern and is causing damages, inaccurate info also between all three Bureaus
Consumer complaint received 2015-08-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio recovery services LLC representing XXXX XXXX bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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/XXXXXXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-09
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. (CT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-26
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I had to file a bankruptcy back in XXXX because of a lose in my income. In XXXX I was contacted by Portfolio Recovery abut me owing them money. I sent them a certified letter in XXXX telling them I did not owe them a penny and to not contact me any way, shape or form in the future. Well, fast froward to XX/XX/XXXX and I was contacted twice by there office. I received a phone call earlier in The month and about a week ago I was sent a form saying that they decided not to try and collect this 10 year old debt. They listed on the form, XXXX, that this decision was made on XX/XX/XXXX, over a year ago.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Bread Financial Holdings, Inc. (MN)

Here is the deal ... I do n't owe a debt collector as this issue is with XXXX and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to Transunion credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 
XXXX XXXX XXXX XXXX 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 2024-02-09
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. (GA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 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 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-04-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Law Office of Harris & Zide (CA)

I got a letter from debt collector. The debt collector wanted respond within 30 days.I call the debt collecto for negotiate payment. 
Debt collector want me pay {$120.00} a month, but i have a very heavy finance difficulty problem. I had asked to debt collector to pay {$50.00} a month.The debt collector refused my negotiate, and The debt collector keep continued law suit eventhough i pay {$50.00} a month. I used paid about {$70.00} a month to credit co.The debt collector rapidly raised up monthly payment.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 2024-02-09
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)

I informed you of the exact information that was provided inaccurately in my consumer report over 40 days ago. It has been well over 30 days, and you have failed to update, modify, or correct the inaccurate information. Your constant neglect has plunged me into an abyss of adverse effects such as credit card denials, a diminished credit score, and an open-end invitation to be the disgrace of my family. Credit plays a heavy role in my life and your unreasonable reinvestigation procedures is the sole reason I lost my credit abilities.

The FCRA contains a maximum possible accuracy standard whenever a Consumer Reporting Agency ( CRA ) is furnishing my credit, which, is held at a, substantially, higher degree than just accuracy. Unfavorably for me, XXXX has frequently fallen short of the maximum accuracy standard. The information on my XXXX consumer report is furnishing different information ( referencing the accounts in this dispute ) on your agency compared to the other CRAs ; which, creates a misleading representation of me to other creditors and stymied my chances of receiving credit.
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Onity Group Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section602 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 1666B : A creditor may not treat a payment on a creditcard account under an open end consumer plan as late for any purpose.
Consumer complaint received 2015-09-25
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NV)

I had a loan in place, I called on XXXX/XXXX/2015 to confirm the process of paying off my loan on my due date of XXXX/XXXX/2015. I was told to execute an extension online ; so that my interest payment would be deducted from my account on Friday and thane I had 24 hours from that deduction to pay off the principle to prevent additional loan fees from reaccuring. 

I did exactly that ; but when I called in the morning approximately 6 hours after my {$250.00} fee payment was deducted, they tried to make me pay an additional {$250.00} loan fee. 

This company practices are illegal in the state of Nevada and should not bee allowed to operate here. 

After I informed them as to my position in this state and knowledge of the law, they then told me they would allow me to make the payment on just the principle as a courtesy. I made it clear that they broke the law and was not extenuating a courtesy. Les knowledgeable consumers would had and are most likely being scammed by this process.
Consumer complaint received 2024-02-09
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-02-09
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. (MD)

In XXXX I asked Equifax and XXXX to investigate and verify my public record listed on my credit report. They responded saying this information is accurate and still remains on my credit. I requested an investigation report and have not received this, now I would this information removed from my Equifax and XXXX report it is hindering my future financial stability.
Consumer complaint received 2022-10-04
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: WELLS FARGO & COMPANY (TX)

In accordance with the fair credit reporting act XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states that I have a right to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2016-10-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (MN)

I had to take out a loan for a college program I was doing, during the program many things were changing. The loan, already priced very high, was super expensive and hard for me to get but I was able to get it approved and continue the program. Then things started changing in the school like everything went to an online school format and that is not what we expected or what we were paying for. So after changing everything, almost all of the students grades started to lower including mine, which lead us to failure. Thats is what happened, they were not teaching well like they were in the beginning of the program and a lot of the students I spoke to failed many tests and the program. I unfortunately failed the program barely passing, I actually passed but they could not understand my situation of help me instead they decide to kick me out of the program and leave me with the debt. This happened at the XXXX college at the XXXX campus.