davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Consumer complaint received 2019-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc. (CA)

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX XXXX XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Consumer complaint received 2019-02-19
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. (IL)

Experian 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Experian & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-02-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (FL)

I received many payloans over the years from Easy Money. Normally they are easy to work with ; however since I have to keep re-borrowing to pay bills you get in a cycle where you can't get out of them without penalty to your other bills. The fees are {$87.00} to borrow {$500.00} and I'm sure over the years they have got me for over {$2000.00} or even {$3000.00} in fees. 

I called Easy Money today, XX/XX/2019 at the XXXX, Alabama location. My loan was due XX/XX/2019 and I lost my job on XX/XX/2019 and am having to move and I didn't get a lot on my last check. My tax return is supposed to be deposited on or around XX/XX/2019. They had called my phone at least 4 times over the weekend and twice this morning ( XX/XX/2019 ) and didn't leave a message which is annoying. I knew I needed to take care of it so I called around XXXX XXXX XXXX XXXX  to the local store and identified myself. I asked that since I lost my job and my income tax was coming back on XX/XX/2019 if they could hold it until then and I would take care of it. The girl named XXXX said " absolutely NOT '' with an attitude and I told her they have done that before for a few days to let me take care of it. I specifically asked her if she had deposited it yet and she said either today at XXXX XXXX   or tomorrow at XXXX XXXX the check would go in. I specifically asked her again if she could please hold the check for 3 more days so I wouldn't get any fees. She said " absolutely not '' with attitude and I told her the check WOULD bounce if she put it through at those times and she said " you'll incur fees at your bank AND with Easy Money. '' I told her I would get it back by them taking it off the loan when the check came back and she argued with me and told me she was just sending it through immediately since I made her angry apparently. She maliciously and knowingly put the check through to incur fees when I told her specifically I could take care of it in three days. My bank will charge me {$40.00} for the transaction and Easy Money will charge me {$30.00} or something like that. It will cost me {$70.00} extra. Again, this was malicious and deliberate in order to get fees. 

In the past I have called and said I had issues and they sometimes hold it until I get can back and take care of it but XXXX refused and told me I was out of luck and she was sending the check through in order for me to incur extra fees. 

I wish you all would shut these sharks down. I do not plan to use them anymore, even if I have to eat out of a paper bag behind the dumpster. They are crooks and ripoffs and should not be in business. 

I will enter my mailing address as I don't want Easy Money or CFBP to send any mail to my actual house address for others to see. 

My home address is XXXX XXXX XXXX, XXXX XXXX, AL XXXX ; however please do not send any mail here, please use XXXX XXXX XXXX address for any correspondence.
Consumer complaint received 2019-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. Transunion & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. ()

On XX/XX/year>, I opened a checking account at the Citibank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I used my XXXX and a non-US address to open the account. 

I received my debit card on XX/XX/XXXX and proceeded to fund the account by depositing a IRS tax return check for {$XXXX} and initiating a {$XXXX} bank transfer from my non-US account. 

On XX/XX/XXXX, I lost access to my account. An error message indicated that the system was experiencing delays. When I contacted Citibank 's customer support, I was informed that my account was under review for suspected fraud. 

On XX/XX/XXXX, the error message changed, and upon contacting customer support again, I was told that my account was being closed due to fraud. They stated that I would receive my funds within XXXX business days via a check mailed to my address. 

I was not given any opportunity to appeal this decision or provide documentation to support the legitimacy of my deposit and account activity. 

I am extremely frustrated by this situation. As a non-resident, I made a significant effort to open this account, and all of my actions were legitimate. I believe Citibank has unfairly closed my account and is withholding my funds without proper justification. I request that the CFPB investigate this matter and help me resolve this issue with Citibank.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have I have reached out to this company and spoke to a XXXX she told me that she wasn't a credit expert. She also said she can't tell me when they would stop reporting and to reach out to the attorney. If this is possible, how are they reporting for a vehicle that long that doesn't have a lien. XXXX stated that I need to talk to the attorney which nevers answers the phone. I also stated to show me where I owe the money and they haven't sent it and I was told that is internal and they can't give it to me.
Consumer complaint received 2019-02-19
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: Bread Financial Holdings, Inc. (MA)

On XX/XX/XXXX - I opened a XXXX XXXX Membership and the Customer Service promoted a XXXX XXXX - My XXXX XXXX Mastercard so that I could earn rewards. I agreed and the Customer Service clerk at XXXX XXXX  ran the credit application through and it was approved for {$6000.00} dollars at a 14 % interest rate. The XXXX XXXX XXXX XXXX XXXX Mastercard earned 3 % cash back at XXXX XXXX XXXX, {$.00} cents off each gallon of gas and 2 % cash back at non-XXXX XXXX XXXX XXXX. 

I shopped and purchased items for XXXX. I waited for thXXXX XXXX XXXX XXXX XXXX XXXX Mastercard to show up and instead on XXXX XX/XX/XXXX I received a letter stating they were closing my account. I didn't understand this because I have a XXXX credit score and I always make my payments on time. I called XXXX XXXX  and the agent at XXXX XXXX  said that they closed it because " I was a risk ''. 

I received the statement for my purchases and I earned {$5.00} cash back which was never given to me. 

I feel the whole process is a giant scam to promise people earned rewards and then close the account within a month. 

1. XXXX XXXX  was quick to close the My XXXX XXXX XXXX account at a 14 % interest rate- but they have since allowed me to open 2 accounts at 30 % interest rates. 

2. XXXX XXXX absorbed the money I earned in cash back ( {$5.00} ). The CFPB should examine all of XXXX 's credit line accounts for any that go through a credit check to get pre-approval to be opened, and then subsequently are closed within the next 30 days. This is fraud. If I was a credit risk, they should have denied the credit card immediately BEFORE I was allowed to make any purchases.
Consumer complaint received 2019-02-19
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: General Motors Financial Company, Inc. (AZ)

I have a loan with XXXX XXXX and GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX and GM FINANCIAL with no successful resolution. XXXX ajnd XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (VA)

I purchased a car in XX/XX/2013 in which the finance company Santander Consumer USA for {$18000.00}. It stated in the contract that, at the end of my loan, I would have paid {$17000.00} in interest. Recently, I called them to get the pay off amount because when I went online, it showed that I still owed {$12000.00}. For the past couple of years, I began to see the amount go down slowly. But instead of paying toward the principal, they have been putting half, sometimes all of the installment toward the interest. After adding up what has been put toward the interest and principal, I discovered that {$24000.00} has been paid in interest and roughly {$6000.00} toward the principal.I 've spoken to different reps including a supervisor which all said that I have not satisfied the interest yet. 
One time I was laid off, and it took a couple of months to get caught up. I was charged late fees in which I paid. I paid double, one time, to get it back on track. They stated to me, today, that because I had several auto extensions ( which includes some that were 5 days late ), that all of those payments went directly to interest. It states in my contract that I can be up to 7 days late and charged only a late fee. I was charged both and don't understand how they can do this. I've purchase several cars throughout the years and have never seen any thing like this. It seems like they can charge people whatever they want to and get away with it. I don't know what to do and really need help.
Consumer complaint received 2019-02-19
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. (TX)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2018 ) which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NJ)

I learned this morning, XXXX XXXX2018, that my TD credit card XXXX had been cancelled in XX/XX/2018 by TD Bank for fraudulent transactions! But I had never been notified by TD Bank as to said transactions and had never been notified by TD Bank that my said credit card had been cancelled! This even though I have been making monthly payments on said credit card both by USPS and in person at the TD Bank branch in XXXX, New Jersey XXXX! Nor was I sent a new credit card!
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need your support in addressing this false account on my credit report. This has impacted my standing as a customer, and I would appreciate your help. These accounts should be taken off due to the inaccurate and negative reporting.
Consumer complaint received 2019-02-19
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: Navient Solutions, LLC. (AZ)

I have a loan with DPT ED/NAVI and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, DPT ED/NAVI and XXXX XXXX with no successful resolution. XXXX  ajnd XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-02-19
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Rent Recovery Solutions (TX)

After receiving on XX/XX/XXXX a dunning letter dated of XX/XX/XXXX from Rent Recovery Solutions for an alleged debt of {$1500.00}, I sent a validation letter on XX/XX/XXXX with a cease and desist request in response via certified mail respecting then the 30 days timeframe deadline to dispute the claim. According to the FDCPA 15 U.S.C. 1692-1692o, all collection attempts must cease until the debt collector obtains verification of the debt from the creditor and a copy of such verification results must be mailed to the consumer showing evidence of the alleged debt. Yet, Rent Recovery violated such law by not only failing to provide such proof of validation but also by still attempting to collect the alleged debt during the verification process period through repeating, abusive and harassing phone calls even at my workplace informing then my coworkers of my personal issue with a collection agency about an alleged rent debt. In addition to that, on XX/XX/XXXX Rent Recovery reported an invalidated and inaccurate derogatory account to my credit report violating both the FDCPA and the FCRA laws against my person hence my complaint here.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

I wrote all three credit bureaus in XX/XX/XXXX about a bankruptcy they have on my file that was filed in error, I have provided proof of that and XXXX XXXX has removed this information from their files which was also provided to the bureaus as well. They are in violation of my right to an accurate credit file. They have verified nothing and this information needs to be deleted. I have written several letters since XXXX bringing this error to their attention. As a last resort I am filing a complaint and will consider legal action if they do not comply.