davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (FL)

Att Fraud Collection To whom it may concern, This is a reoccurring issue I have been having. I have already had this removed from my credit report twice, yet it continues to be fraudulently sold as a valid collection account. How this happens is beyond me. I had several issues with XXXX XXXX XXXX towards the end of XXXX and chose to terminate my account of more than 20 years. Before termination I was given a credit. XXXX XXXX XXXX then rescinded that credit and I filed numerous complaints with XXXX, FTC, Florida Attorney General and Consumer Affairs. After filing those complaints, I was put in touch with XXXX XXXX out of the XXXX XXXX XXXX Office of the President. He investigated the situation and reinstated the credit. This took care of my remaining balance, and actually left me with a {$12.00} credit that XXXX XXXX XXXX sent me via check in XXXX of XXXX. I still have said check. 

The continued attempts of collection concerning this account are invalid and fraudulent. I have once again filed complaints with the above mentioned consumer agencies as a new company, Receivables Performance Management has refused to remove this from my credit reports. I will continue to file disputes with XXXX, XXXX and XXXX concerning this, and have supplied them with the communications I had with XXXX XXXX, as well as the case numbers assigned to me via each agency I filed with. I can supply you with those same communications and my new case numbers for the complaints I have filed against Receivables Performance Management for invalid and fraudulent collection activity and for refusing to remove this from my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maury Cobb, Attorney at Law, LLC (FL)

MAURY COBB ATTORNEY AT LAW LLC. ( XXXX Account number XXXX ) They put a negative report on my credit record, without me being notified about this debt and that caused me to lose XXXX points from my credit score. This debt is more than 6 years old, I did not remember it.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

The creditor, XXXX XXXX  XXXX, took possession of my vehicle in early XX/XX/XXXX, despite me being ahead of my payment schedule. When I called the company, they stated an error had been made, and returned the vehicle to my possession. Shortly after the company towed my car without cause, the transmission failed, due to the tow operators treatment of the vehicle. In early XX/XX/XXXX, I called the company, requesting them to take the vehicle back. At the time, they informed me the repossession would appear on my credit, which I understood. At the time I returned the car, my payments were up to date. 

Starting in XXXX of XXXX, the creditor started reporting a delinquent balance of {$5700.00} and have continued reporting that outstanding balance each month. The information on my XXXX Report has been updated correctly, however, both XXXX and Experian continue to reflect the account in 90+ days overdue status every month. Since the day I called the creditor to take back the car, I have not had any communications regarding the balance owed on the vehicle, any value the company was able to recover, or any deficiency balance owed to the creditor by mail or by phone.
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Loan was transferred to new loan servicer ( Select Portfolio Servicing, also known as SPS ) XX/XX/21. Payment of {$11000.00} ( {$7200.00} XXXX mortgage + {$4400.00} additional principal ) was made on XX/XX/21 with initial Loan/bank. SPS applied total amount of {$11000.00} towards principal and thus shows XXXX mortgage was not paid, I called them to correct this and they have not been able to correct the matter correctly. When I paid XXXX payment over the phone with them on XX/XX/21 ( {$7200.00} ), that amount was applied to XXXX and as of today ( XX/XX/21 ) is showing I have not paid my XXXX payment. I have mailed in my XXXX payment and fear that that amount will be paid to XXXX and I will be in a constant month behind in my mortgage. It has been over 60 Days ( allowed by Federal agency to rectify my loan accounting since SPS took over as the new loan servicer ) and the accounting on my account still reflects that I am late on my payment. I have called every week ( as advised by the SPS representative to f/u and get a status ) and to this day the issue remains and my account is not accurate. Please correct ASAP.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2021, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. Capital One and Cabelas accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.
Consumer complaint received 2021-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I've tried reaching out to PayPal to try to close out my account with them and they keep telling me wait 6 months since XXXX and I did wait and now when I try to call them and find out why I'm not able to close my account I keep getting told that they'll submit a ticket & get back with me and they never do its now XXXX and still nothing from them that money was supposed to be used for my husbands funeral expenses but since PayPal put the limitation on my account I've had to go take out loans to pay for it.
Consumer complaint received 2021-10-04
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. (FL)

I am filing a complaint against Experian. I have attempted multiple times to dispute 14 late payments that appear on my credit report by XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I submitted dispute letters to Experian with copies of my XXXX and XXXX credit reports, showing the inaccuracies they were reporting. The other 2 bureaus showed exceptional payment history with no late payments for all of the XXXX accounts. 

Experian responded that they information they were reporting was correct. I then responded and asked them to provide the method in which they verified the information, they never responded. I spoke with a representative over the phone and submitted an dispute over the phone and explained the inaccuracies and they again came back that the information was verified accurate. I again requested the method of verification and Experian has deliberately not responded and have not corrected the accounts or mailed me the information I have requested from them as to how they verified the late payments. 

This has been going on for well over a year and Experian has not removed the late payments. How can 2 bureaus report the same information and Experian report something totally different, then refuse to correct what they have reported.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Onity Group Inc. (PA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. I.C. SYSTEM is reporting an alleged debt and they are tarnishing my reputation and harassing me. 

I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed. 

According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts from I.C. SYSTEM, INC without my permission; using my name and personal information by which to do so.

According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my report.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I received a making home affordable program payment made eight payments with a promise when the fourth cashed I would get XXXX. Chase foreclosed on the property XX/XX/XXXX, rescinded for closure XXXX and filed a lawsuit. XX/XX/XXXX at arbitration Chase stated no longer owned the note, so could not complete making home affordable program modification. XX/XX/XXXX Chase transferred and backdated to XX/XX/XXXX ownership of the note XXXX value. XXXX Chase for closed on the note, without owning the note also increasing note {$530000.00}. XXXX chase contacted owner of the note transfer note back to Chase. XX/XX/XXXX Chase filed a lawsuit asking the court to grant them quiet title backdated to the date of the foreclosure XXXX. Chase was unable to serve the lawsuit because its spelled the owners name wrong. The house has been empty off and on from unlawful detainer filed in XXXX without contacting the owner, XXXX two unlawful detainers filed one against unknown people Chase made up names without contacting owner on XXXX room cabin XXXX ft. added to the note in error. Chase is constantly filed fraudulent documents, recorded documents that contradict the previous claim, taking away in XXXX room Cabin from a XXXX man Chase has no right to. Can I demonstrate what extent the largest bank in the world will go to to steal the XXXX XXXX XXXX tax value that {$37000.00} please help?
Consumer complaint received 2021-10-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I have been in contact with Heartland ECSI since XXXX, since I was told to contact them by XXXX XXXX. I reached out in an attempt to secure a deferment on my student loans due to financial hardship, as I have had in place for my other Federal loans. Before that, I was enrolled as a full-time student, and needed deferment as a result. During the same time period, I have maintained all my other student loans, serviced through XXXX current and deferred for the same financial hardship. During this period, I was not able to speak with anyone at ECSI on the phone to establish a repayment plan that fit my financial situation, nor was I able to receive appropriate support via their online chat. They pushed me to mail, form after form, which I did and to no avail. Because they dont have anyone to I could talk to, I was not able to put a plan into place. 

From XXXX to XXXX, my wife and I were living in the XXXX. As a result of the pandemic, we moved back to the XXXX, in XXXX of XXXX. When I checked my credit score in early XXXX, I saw there were derogatory remarks on my credit. 

After multiple calls, I was finally able to get in touch with XXXX XXXX at XXXX in XX/XX/XXXX, who said my only option to clear the remarks was to pay the loans in full and agreed that she, XXXX XXXX and ECSI would clear the remarks if I paid. 

On XX/XX/XXXX, I paid the full balance ( XXXX ), as confirmed in by XXXX XXXX in the attached email. As a result, Ms XXXX wrote an email confirmation of the requested removal of the derogatory remarks ( see attached ). It has been well over 90 days, and I still have the same negative remarks on my credit and XXXX XXXX and ECSI have operated in bad faith, holding the negative remarks on my credit over me, forcing me to pay an amount that exceeded my budget during the pandemic. And still have not held up their agreement to change my credit remarks
Consumer complaint received 2021-10-05
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: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-05
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. (CT)

My credit report states that I applied for a Disaster Assistance Loan from the Small Business Administration. I have made a complaint to the CFPB and sent 5 letters to Experian. They refuse to remove this credit hard pull even though I never applied for assistance or credit with the S.B.A. O.D.A.

Secondly, they are in violation of the Fair Credit Act by not removing incorrect information.

I was in the past a victim of identity theft and I feel that since I never applied for any loan or product with the S.B.A. that this must be identity theft.

I AM ASKING THE CFPB ADVOCATE ON MY BEHALF TO REMOVE THIS INCORRECT INFORMATION. THE NEXT EMAIL I SEND IS GOING TO BE TO SENATOR XXXXXXXX XXXX OFFICE. EXPERIAN ALREADY DECLINED REMOVING THIS INFORMATION UNDER FILE XXXX FOR NO REASON. THIS IS ILLEGAL!!!!!
Consumer complaint received 2021-10-05
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 — Problem with personal statement of dispute
Company: Early Warning Services, LLC (MD)

I have been disputing with Early Warning Services since XX/XX/2021, they furnish information about me that is inaccurate and unfair and violates 15 USC 1681. They have re-investigated and claim that they have validated the debt but they have failed to send me proof of the re-investigation procedures and according to 15 USC 1692, they do not even have the power to validate a debt. I have suffered from the information they hold against me and can't open bank accounts and the one account I was able to open was frozen along with money that I deposited into the account. They also have violated 15 USC 1692 ( k ) and owe {$1000.00} per violation. They have violated 15 USC 1601 ( I ) because they committed fraud, they furnish a deceptive form to create a false belief about me. They also didn't complete the first investigation I did in XX/XX/2021 in a timely manner of 30 days and refused to delete the false, inaccurate, and unfair information they furnish from their system. They had a manager contact me and apologize for them not doing their job but never fixed the problem. They don't send any of the proofs that constitute validation of a debt according to 15 USC 1692 and therefore I want them to delete the information they furnish and compensate me for the obvious disregard to United States federal law.
Consumer complaint received 2021-10-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (TN)

I took out this loan a couple weeks ago with every intention of paying them. I was recently in an automobile accident and my car was totaled causing me to have to get another vehicle. Well my insurance left me with a large balance to payoff my wrecked vehicle so I spoke with a bankruptcy attorney and decided to file a chapter XXXX I was advised to send a letter revoking ACH on my loans that I have since I will be required by the court to file all debts. I contacted bridge lending solutions and they are saying they are going to take my first payment even with me filing the bankruptcy and revoking the ACH
Consumer complaint received 2023-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (WI)

I called ED Financial on XX/XX/XXXX to find out if I could adjust my payment as I do not have a job at the moment. I found their information in my XXXX XXXX app as they never sent me anything about taking over my student loan that XXXX previously had. They quoted me {$180.00} per month or a possible new payment savings of {$170.00} per month. Hmm {$6.00}. That was fairly substantially more than what I was paying before. Only other option was a balloon payment. I asked about not being notified when they took over the loan she said it was XXXX of XXXX and I could just log on to their website and put all of my personal information in and I would get an account number. In this day and age are you kidding! They ask for your social security number constantly or an account number which of course I dont have. From the lack of communication, not protecting private information, and a payment that is much higher. I am not happy with this company.
Consumer complaint received 2021-10-05
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. (PA)

Im a victim of identify theft, two accounts ( XXXX XXXX and XXXX XXXX ) were opened and my name without my knowledge or consent. I sent multiple disputes along with a FTC report and a copy of my identification card. These two accounts must be removed from my credit report ASAP.
Consumer complaint received 2021-10-05
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: DISCOVER BANK (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, I walked to my local Bank of America ATM next to XXXX  XXXX 's to get some cash to buy food. I requested {$130.00} and the transaction was denied. I then pressed the button for balance inquiry and nearly died when the screen said {$25.00}. What happened to the XXXX of CA EDD funds that should be in my account? 

I would NEVER take out huge sums of money via ATM from this account -- which is why I've set up a bank transfer link when this account was first opened. 

My first action was to go to my online account and see the transaction history. At the same time, I immediately called the number on the back of the card for assistance ( XX/XX/XXXX, at XXXX ). The person answering the phone told me this is the Claims Department ( not XXXX ) and that her department would file a claim for me, # XXXX. I asked her how long it would take for my money to be replaced and she did not give me a clear answer. We need these government benefits to live on as I don't have any other government assistance like SNAP ( food ) or CalWRKS ( cash aid ). The only solution they offered was to immediately replace the current card. 

Please be advised however that my card was never lost nor stolen ; it is still safely secured in my wallet. So how did these transactions occur? This program with EDD/Bank of America was stated to have " ZERO liability. '' Otherwise, why not just use for own bank account for direct deposit? We are suffering without this money BECAUSE of being UNEMPLOYED since the start of this pandemic. That is why we get this money in the first place. And yet, Bank of America has thrown it away. 

When I looked at my online transaction history, I saw the four fraudulent transactions that led to my account being drained. They took place on XXXX and XXXX of XX/XX/2021 : two of them were " balance inquiry '' actions at two different XXXX XXXX branches I never use. The other two transactions were Bank of America ATM withdrawals : one for {$980.00} in " XXXX '' XXXX XXXX which I have never used nor been to ( we live in XXXX XXXX ), and another {$600.00} withdrawal in XXXX on a day when I was in XXXX XXXX, California. 

This is all very weird. On the XXXX, the person went to a XXXX XXXX to get a balance inquiry first, then to a Bank of America ATM for the withdrawal, and repeated this same process on the next day ( XXXX ) in a different city. A total of {$1500.00} now stolen from my account. 

After that conversation with Claims, I asked to be transferred to the " Fraud '' department and this person wasn't helpful either. She said the only thing she could do was to " block '' my account -- which I clearly told her NOT to do because after that, I wouldn't be able to use my account in the future. 

As of this writing, there has been no further communication from Bank of America concerning this situation or when I can expect replacement of these stolen EDD funds.