davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I have recently sent Prestige a rescission letter, letting them know different violations that I found within my alleged contract and that I am rescinding the contract. According to the federal law with any contract either party has the right to rescind at any moment. They received their letter by certified mail on XXXX XXXX stating that they had 20 days to respond. I have not received any response as of todays date. I take it that my notice has been accepted upon receiving the notice and upon the postal rule. I was never given that option to rescind nor did I ever sign off on anything waiving this right. Federal law states I have this right, I also noted in my letter upon reading the federal law it states the finance charge is the sum of ALL charges including interest and any premiums. My alleged contract that I have does not seem to show this. I was never offered any insurance through them my alleged contract shows all 'N/A 's as if this does not apply to me. If its an option on the contract I should have been given that option. I do not recall having that option nor signing a waiver saying that I decline it. If so please provide me with the copy with my wet ink signature. If not why was I discriminated against. I have asked multiple times for the audit of my file which I am entitled to, I still have not been allowed an audit of the file they have with my name on it. Federal law states I have the right to my file if I ask. I am wanting to see all incoming and outgoing currency with in the file. Before sending the rescission they also received my letter revoking POA and ALL signatures. Both XXXX and the dealership along with their registered agents received the letter. I also filed the IRS 56 Notice of fiduciary over this matter stating that the dealership is no longer the fiduciary but it is now ME the living natural human. XXXX violating many federal policies, rules and codes. I will continue to follow through with the parties involved also putting additional authorities on notice of this matter. 

XXXX
Consumer complaint received 2022-06-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2022-05-18
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: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the 5th time I had complained about fraudulent negative account on my credit report. The following account has bee deleted and sold several time and NO VERIFICATION has EVER BEEN PROVIDED. I HAVE NO CHOICE AT THIS POINT. PLEASE ADVISED XXXX XXXX, DEBT RECOVERY SOLUTIONS THAT THIS IS MY FINAL NOTICE BEFORE I FILE A LAW SUIT AGAINST BOTH 3RD PARTY COLLECTION AGENCIES. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH NO RESPONSE IN THE PREVIOUS COMPLAINT. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.
Consumer complaint received 2022-10-21
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. (MI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2020-05-16
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: CITIBANK, N.A. (OH)

My Best buy credit card was stolen in XX/XX/2020 during shipping that is even before I have received the physical card. It was stolen and some purchases made by someone between XX/XX/2020 and XX/XX/2020. It was then identified by Credit card company and blocked the card. Then the company sent me another card and I have received on XX/XX/2020 and I haven't made any transactions then. 

All the transactions on the stolen card was adjusted by the credit card company except the following one transaction for {$13.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH This particular transaction from the stolen card appeared in my new card statement as a balance I need to pay. 

In XX/XX/2020, I have disputed the transaction first time with best buy credit card company. 
In XX/XX/2020, I've got the response from the credit card company saying that they will adjust or remove the transaction in 7 - 10 days but it didn't go away. 
I have called them again in early XX/XX/2020 and they said that the adjustment will be reflected in the XXXX 2020 statement but it wasn't removed from the XXXX statement as well and also they have reported the balance of {$13.00} as a late payment to credit bureau. 

In XX/XX/2020, I have disputed again, once again they have agreed to remove it from the statement but they didn't do. 
I have called them again and finally they removed the transaction in XX/XX/2020. 

It took almost more than 3 months for them to resolve the issue on their side but the negative mark of late payment is still there in credit report. 

Again I have disputed 2 more times with XXXX credit bureau and 1 time XXXX to investigate and remove the negative late payment mark from the credit report but it was failed again and closed the dispute as information is accurate. 
As of today, it is not corrected yet even after all the disputes with Credit bureaus and credit card company. 

I've been with this issue for 4 months still it is not resolved completely causing huge emotional distress and not able to sleep properly for the past one month especially I'm in middle of my mortgage process now where I see some set backs due to this credit report damage. My monthly mortgage payment is increased because of their fault. I'm really tired and frustrated with the way the credit card company and credit bureau are handling this issue. 

I have attached all the communication documents, dispute results from XXXX. XXXX documents I couldn't get but their investigation also failed and negative mark still exists.
Consumer complaint received 2020-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

XX/XX/20 Disputed An Item Been Reported By Collection Agency LVNV With The Amount {$610.00} Which I Was Requasting To Have This Item To Be Removed From All Of My Credit Bureau Since They Verified it [ Without Providing Any Proof, Bearing My Signature. ] See Attachment Below.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (GA)

DISPUTE COLLECTION : ALDOUS AND ASSOCIATES has been verified that the account they are reporting under my name is inaccurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. 
Any automated response, or XXXX verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. 

The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Under 15 usc 1681b- permissible purpose of consumer reports ( a ) in general, subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances & no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2020-05-17
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. (CO)

I have called countless time after paying my installment in full, the issue of XXXX XXXX XXXX XXXX   representative providing misinformation. When I originally signed up for the loan it was because it did not ding your credit score. Fast forward a couple months, I was laid off and that was communicated. The representatives that helped me XXXX & XXXX both said that, we do not report to the credit bureaus, if I can make a payment itll stop me from going to collections thats the only way itll affect my score. Thinking that two representatives were telling the truth I did exactly what was instructed. Then after the loan is paid off in full, they then furnish the late history which reflected in a credit score drop. If this was communicated originally, I would have bit the bullet and paid it in full to prevent dishonest practices.
Consumer complaint received 2024-11-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Subject : Complaint Regarding Non-Response and Mishandling of Registered Security by Lakeview Loan Servicing , LLC and XXXX I am submitting this complaint regarding the failure of Lakeview Loan Servicing , LLC and its sub-servicer XXXX  to respond to my formal requests for XXXX accounting and reconciliation related to a registered security referenced as RF XXXX XXXX. This security was originally mailed to XXXX on XX/XX/year>, but I have received no accounting or confirmation of its receipt. Additionally, I mailed a follow-up request for a full accounting and disclosure of the security to Lakeview Loan Servicing XXXX XX/XX/year>. They confirmed receipt on XX/XX/year>, via XXXX XXXX XXXX, yet they have not responded or provided any of the requested documentation. 

The lack of response raises serious concerns that this registered security has been mishandled, misplaced, or stolen. This constitutes a clear failure to comply with federal consumer protection laws, particularly under the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ). I am requesting that the CFPB investigate this matter for potential violations of consumer rights and ensure that Lakeview Loan Servicing and LoanCare provide the necessary accounting and documentation to resolve this issue.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

My brother XXXX XXXX owned a checking account with USAA and he died without a will on XX/XX/2022. I am his sister and I have been managing all his affairs. He had no assets other than a car that is owned by XXXX XXXX  and a bank account at XXXXXXXX XXXX that I have closed with a balance of {$1.00}. All his banking was completed through an account with USAA electronically. I have been trying for two months with phone calls, faxes and emails to have this account closed and the statements sent to me so that I can complete the notification to his creditors. I have submitted his death certificate and the affidavit from the surrogates office listing me as his administrator. They wanted me to return there to add USAA as one of his assets and I did that for another trip and expense. Each time I fulfill their requirements they tell me they have 15 business days to review the account and they never contact me. I call them and I am once again told that I need to complete another affidavit- as Executor- when he had no will and there is no Executor. Then I am promised a return call and never get one. I have been living through this nightmare for over two months now and getting no help.
Consumer complaint received 2022-05-18
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. (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 15 USC section 1681 section 602 states I have the right to privacy.15 USC section 604A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

Convergent outsourcing is a collection agency that I have no written contract and/or even ever heard of. I previously asked for 1. original creditor 2. any and all signed and dated contracts 3. proof that Convergent can collect on this supposed debt 4. All payments 5. Signature Per the FCRA 604A 15 us Code 1681 B they are anyone has written consent to report anything to anyone and per 15 Us Code 1681 C1 if there is no written consent then that is considered identity theft
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (CA)

Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Experian and XXXX 's end. This is my 5th attempt to request all documents to be provided and issued to me. Not fulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XXXX Card Date of Inquiry XXXX, XXXX Inquiry Date XXXX
Consumer complaint received 2020-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern : This problem is in regards to XXXX reporting XXXX am late for the months of XXXX and XX/XX/XXXX on a closed child support case. 

The case was closed in XX/XX/XXXX. According to Experian they reporting the debt as a XXXX  balance but yet reporting the account to be closed. Experian reported the account was first reported in XX/XX/XXXX, when the account was closed. There is a standing court order. 

Which has been fully paid to the state of Virginia and there is a XXXX   balance on the account in Virginia. The issue is Experian is refusing to take this account off of my credit report indicating XXXX is verifying the report. 

Upon my contact XXXX they reported the case is closed. 

The problem is I am the parent now who receives child support. This account is grossly over due. In which they continue to make no efforts to collect funds on my children behalf.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

XXXX XXXX is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery A has violated my federally protected rights under the FDCPA. I the consumer was never obligated nor responsible to pay you a 3rd party debt collector pursuant to 15 U.S.C 1692a-3. 
You infringed upon my rights to privacy. I was called multiple times by Portfolio Recovery with the intent to harass, annoy and coerce me into paying the alleged debt which I did out of fear.. 
And they still used my consumer report with Extortionate means to coerce and swindle me into paying an alleged debt on an extension of credit violating 18 USC 894 and Portfolio Recovery employees/agents assume criminally liable and can face up to 20 years in jail.
Consumer complaint received 2019-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (TX)

TD BANK USA/TARGETCRED is the creditor Ive been having issues with. There is a 30 day late pay that stems back from XX/XX/XXXX that is the cause of my complaint. I have had my account with them on autopay since my account begain in XX/XX/XXXX. Target says there was an issue with my autopay account yet my account has not changed since I first opened the card. I was told my autopay didnt go through yet I received no notification on that and to this day I have been using the same form of payment for auto pay. I have been contacting Target for 3 years no with no response from them.
Consumer complaint received 2022-12-07
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 
Validate inaccurate reporting late payments. Please remove inaccurate reported late payments. Update to paid as agreed.
Consumer complaint received 2022-05-18
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. (FL)

N Accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX, XXXX, has Violated my rights. 

15 U.S.C 1680 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 without my written Instructions.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

when i apply for the cd, i was informed you get 5 % bk, now its 2 %. They say if the app is used, Its 5 % in walmark store up to a yr, nothing was said about app to get 5 %