davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TX)

This is for XXXX and XXXX both still reporting information on both my Fortiva account to show XXXX XXXX  in late payments which isnt true whatsoever. This account was closed and paid in full. Fortiva also if called or if XXXX or XXXX would actually make a call to Fortiva they would quickly find out they have no record of me ever even having account let alone any sort of payment history! They had a system wide purge which cleared not only my information but everyones they continue to report false information. XXXX is the only reporting agency to actually take it seriously and call them on conference with myself to verify the proof. Not to mention I have mailed literally copies of emails from Fortiva admitting they have no information on me even with social security number provided, dob, and credit card number. They cant pull up nothing. In regards to XXXX XXXX XXXX is the only XXXX to fix as well and remove the XXXX false late payment reported and it actually updated today for both Fortiva and XXXX XXXX on my XXXX report.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (IL)

Account : # XXXX Date reported late XX/XX/2022. 
Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer XXXX XXXX XXXX XXXX ) and the person ( YOU ) XXXX XXXX XXXX XXXX Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 7 calendar days to update my Payment history and or delete all late payments from the below account/s Account : # XXXX Date reported late XX/XX/2022. 
Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for :
Consumer complaint received 2022-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (PA)

date XX/XX/2021 the amount XXXX I called the company named XXXX XXXX XXXX XXXX, XXXX and advised them that my identity was stolen, as I have never lived in Texas, and I also filed a police report.
Consumer complaint received 2023-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (CA)

This is to inform the CFPB of a company by the name of XXXX XXXX XXXX that is treating the consumer to share this information with Midland funding in order to collect a debt I have addressed this issue with XXXX XXXX XXXX in the past XXXX XXXX XXXX has He's threatening to sell my information this is a violation and a breach of contract the company has dishonor by not accepting EXEMPTION XXXX XXXX XXXX needs to stop threatening to collect the debt the descriptions are in the PDF file provided by the consumer on this portal thank you
Consumer complaint received 2018-03-15
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Reliant Capital Solutions, LLC (KY)

Reliant Capital Solutions LLC contacted me to collect a debt in XXXX of XXXX, gave me the impression they were handling the collections for the Department of Education. Company said that if I set up payment it would keep my loans from being in default and my tax return from being offset. I set up payments in the amount of {$50.00} a month and have been paying ever since. I received a notification offset from the IRS and called to inquire. The IRS informed me no payments had been reported. I called Reliant Capital Solutions on XX/XX/XXXX to inquire and they stated that they do not report to the IRS or the major credit bureaus, and that if I stopped payment they would report it to the IRS as bad debt and file suit. I set up legitimate payments with another company in XXXX of XXXX, who states they have the full amount of my student loan debt. I'm worried I've been paying Reliant Capital Solutions and the money has not been applied to my ballance.
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

this is the fourth complaint about this company they sent us a letter stating they sent our information to wrong adress now they want us to get identity theft protection it is bad enough they are runing our credit now our safety. something must be done to protect us from all these fraudulent things they are doing i am trying to get a lawyer to help us. this is consumer protection please help us stop all the harm that is being done to us we are senior
Consumer complaint received 2023-03-09
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: CBC Companies, Inc. (CA)

This complaint is addressed to INNOVIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo has continually avoided to answer the question why do they view transactions covered under their XXXX XXXX program as a derogatory event. This violates their advertisement that consequences with Wells Fargo are avoided with the XXXX XXXX
Consumer complaint received 2022-08-25
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. (TX)

I am a natural person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681.I have the right to privacy and I did not give Equifax to furnish these accounts XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-05-20
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. (MS)

XXXX XXXX XXXX XXXX XXXX suggests that I took out a loan in the amount of {$34.00}. on XX/XX/XXXX. They labeled this as a charge-off that is negatively affecting my credit. I have never attempted credit with that bank. XXXX  XXXX XXXX has an inquiry on my credit report dated XX/XX/XXXX. I have also never attempted credit with this institution either. XXXX XXXX is still reporting an account that was open XX/XX/XXXX.
Consumer complaint received 2018-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Multiple Hard Inquiries on my TransUnion Report I did not request or Authorize.

XXXX XXXX - XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX XXXX- XX/XX/XXXX/XX/XX/XXXX XXXX XXXX- XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX/ XX/XX/XXXX- Also one on XX/XX/XXXX that I did Authorize XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2018-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

Dear Sirs, Chase is having problems with their Electronic Fund Transfer, online payment on my account and I am thereby not able to have access to my funds or to send a payment from my internet using XXXX XXXX or XXXX browser. This has been going on for at least 24 hours or more. I need to have access to my money and make payments or otherwise, I will be penalized by my creditors. 

Their mobile app is not affected. 

I am a veteran. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

XXXX charge automatically defaulted my billing to " paperless '' ... I was told that unless you uncheck it to decline it automatically defaults when paying online. I had received paper statements and generally pay it off in full whenever I have used it. Therefor it is n't a " usual reacurring '' bill.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (FL)

XXXX, XXXX, XXXX Last XXXX XXXX RE : XXXX XXXXXXXX-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( XXXX ) .and accordance with the fair credit act XXXX credit card, 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.


11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

I could write a book about the nightmare that has been this mortgage process, but I will try to keep it short and stick to that main issues. We started this process on, or about XX/XX/2022, with a target closing date of XX/XX/2022. From the start, there was a serious lack of communication from and with the lender. She/they would just ignore our texts, emails, phone calls, and questions. I found out that I needed to be out of my residence at the time by XX/XX/XXXX, so my agent attempted to move the closing to XX/XX/XXXX and, despite the urgency of that request, once again, we were simply ignored. The became their way of doing thingsunless they initiated the conversation, we were just ignored. There were numerous times that we thought we were about ready to close, then the lack of any communication would happen again, as well as the well, we need this one more thing. I was told SEVERAL times that this is the last thing that we need and we will be ready, only to get the call, or text the next day, saying, well, the underwriter/processor want this one more thing. That has gone on for weeks, now, and again, they always wait until the XXXX hour at the end of the week, when it is too late to do anything about their requests. SO, finally on Monday, XX/XX/2022, I was told we were ready to close and received the Revised Closing Disclosures. I had asked, repeatedly, what the cash to close was going to be, as it had changed several times during this process. The disclosures I received showed that amount to be {$5100.00} and change. Well, 3 days later, when we went to the closing table on Thursday, XX/XX/2022, the cash to close had increased to almost $ XXXXwithout ANY notice from the lender! We were ALL floored, except the lender, who wasnt even there. Needless to say, we didnt close and all left just blown away by the turn of events. AND, to top it all off, I logged onto my Truist account on Sunday, for other reasons, to find that I have a mortgage with Truist!!! A mortgage that I never signed for, or have property for!!! How does that happen?! So, can you see why I am extremely frustrated and done with the whole process, 2 months later???
Consumer complaint received 2019-03-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TN)

I received repeated harassing calls multiple times daily from phone number XXXX. A quick search of the internet results in Midland Credit Managements website stating that the phone number belongs to them and should you get a call from that number to contact their company about a debt collection matter. I called the company and was told by multiple people that they do not have any accounts related to me and that they are not able to stop the harassing phone calls.
Consumer complaint received 2022-07-18
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. (NJ)

I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-06-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Initially my loan was with Santander Consumer USA. Beginning XX/XX/2019, my account was bought by XXXX XXXX XXXX XXXX. Issues misrepresenting my information : 1 ) Santander claims XXXX, XXXX, XXXX, and XXXX were late but these payments were made to XXXX XXXX XXXX XXXX. 
2 ) Prior my dispute, Santander claimed other months and after disputing with XXXX completely changed the months I was late for. It does not makes sense to have 2 months paid and 2 months not in between when I was paying XXXX XXXX XXXX XXXX. 
I would kindly as to advise on this matter. 
**Attached is a document sent from XXXX XXXX to bring clarification to this issue. 

Thanks in advance!
Consumer complaint received 2021-08-09
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. (FL)

On XX/XX/XXXX I wrote a letter to XXXX because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that XXXX had taken out three payments due to a glitch while paying on line! I called XXXX immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX
Consumer complaint received 2024-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

Im a class action member of XXXXet vs CXXXX where my federal loans were forgiven from Borrowers defense. The loans were forgiven based upon the amount of evidence against the XXXX XXXX  XXXX practices, documented complaints, history of fraud and sales tactics. Due to this, my Navient Private Loans from XXXX should be forgiven as well. 

Navient has also violated many collection practices such as threats, intimidation, calling family members, my family members places of work. They have yelled at me ( made me cry years ago ). They have put me in forbearance many times without explaining the scope of what they were doing. They made income based repayments very difficult, and nearly impossible. Ive been given incorrect information. Theyve called my family members and yelled at them, intimidated and harassed in places of work. Ive been paying on my loans since 2012 and due to the terms, have barely made any progress on repayment. Their practices have been very deceptive and illegal. 

Combine that with the fraud of the XXXX XXXX XXXX and Navients criminal history of FCC and CFPB violations my private loans should be discharged and refunded. Theyve made it also impossible to remove a co-signer
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

The Dispute That I have with Select Portfolio Servicing, Inc. ( SPS ), is that as the servicing Mortgage Company they have yet to provide me with Written Proof ( Copy of Title Deed, Sale or Property Transfer ), of the Property at XXXX XXXX XXXX, XXXX, GA XXXX ; SPS Account Number : XXXX. SPS disclosed the Name of a Bank to me in a letter dated XX/XX/XXXX, yet the XXXX XXXX County Tax Records, and the XXXX County Tax Assessors Office, records reflect as of today, XX/XX/XXXX, Parcel Number : XXXX XXXX XXXX, lists that property in my name with a " Fair Market Value '', of {$95000.00}. 

SPS has sent me more than thirty ( 30 ) letters since XX/XX/XXXX, first stating that they are/will be the Mortgage Servicing Company, and beginning XX/XX/XXXX, that I can/should began making Mortgage Payments to them instead of XXXX XXXX? 

I believe that the Law allows me to question a Creditor/Debt Collector, as to the Validity of any Debt? The home in question was transferred to XXXX XXXX  on XX/XX/XXXX, by participating in an On-Site Appraisal, arranged by XXXX XXXX, and after Joint Photos/Pictures were taken, the Keys were taken by the XXXX XXXX   Appraiser, and the Locks were changed, afterwards XXXX XXXX issued me an IRS Transfer/Abandonment XXXX Form, which has also been provided to SPS. 

SPS is fully aware that I am under Federal Bankruptcy Protection, and am not personally liable for the property, additionally, the Property Transfer back to XXXX XXXX is documented by the XXXX. SPS is outright attempting to intimidate me into making Mortgage Payments, which I believe to be in violation of the Law, therefore, I contacted the Bankruptcy Attorney that handled the bankruptcy and asked SPS to contact him, which they have not done. 

SPS 's latest attempt to punish me, came on yesterday, XX/XX/XXXX, when I was contacted by Text and Phone Call from XXXX XXXX XXXX in XXXX, GA. 

I contacted the Office of the Comptroller of the Currency, and received a letter from them dated, XX/XX/XXXX, and they told me to Submit a Complaint to CFPB, as you have jurisdiction for these matters, and to also contact the Georgia Department of Banking and Finance for assistance. 

I contacted the Georgia Department of Banking and Finance, and was told that the only way that they could/will assist is if my Complaint is referred from the CFPB to them. 

Can you please forward my Complaint to the Georgia Department of Banking and Finance.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

I bank at Wells Fargo and because of my good credit, I applied for a credit card that I paid on time. I had some health problems and was hospitalized and I wasn't able to make 3 payments on time during the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. After my health improved I went inside the bank and spoke with a rep and decided to pay the account off in full. I expressed concerned about the key derogatory marks that were showing on my report, the rep explained that after I pay the account in full, it would show me current and reverse the bad markings. Well after that when I reviewed my report months later, the account notes says '' it was settled for less the balance '' and the key derogatory marks for XXXX XXXX and XX/XX/2018 were still there reporting. To add insult to injury, two more key  derogatory marks were added for XX/XX/XXXX and XX/XX/2018 after the account had been paid off. I am trying to get qualified to buy a home and these derogatory marks are affecting me adversely. I tried contacting Wells Fargo but they say that they cant be removed and to contact the credit bureaus. The credit bureaus say wells Fargo is verifying the account. I just want to buy my home.