davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

First PORTFOLIO RECOVERY ASSOCIATES LLC has violated 15 U.S. Code 1692c. As demanded in the complaint ( XXXX ) a cease and desist was sent demanded through the complaint. PRA has violated this by sending another letter to me on another alleged account. A Cease and Desist were sent to " PORTFOLIO RECOVERY ASSOCIATES LLC '' as this applies to PRA whole company. My federal rights have been violated. Second as 15 U.S. Code 1692g states this is my response within 30 days and my complaint as said further. 15 U.S. Code 1692C ( A ) states - " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. I have never given PRA consent to contact me over an alleged debt that was incorrectly owed. At no point in time is a good time to discuss an allegedly incorrect debt. PRA is implying that I have engaged in business with their company. I am requesting a visual signed contract with my signature proving that I have allowed for them to conduct business with me on this alleged account. PRA is in possession of my personal information with I have never given them consent to have. I want to know how they got that information on this alleged debt that is incorrectly owed. This is a violation of 15 U.S. Code 1692b. PRA needs to prove the existence of this alleged account and prove by verification, and " Verification '' is defined in Black Law Dictionary ( 4th ED. ) as " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition ''. PRA shall provide a signed valid contract with these terms included, A Chain Of Assignment showing who has been in possession of this account, and a Sum Certain showing a complete accounting of how this alleged amount was arrived at, monthly statements, cardholder agreement signed, and a full original purchase agreement signed. I expect there will be no further efforts from PRA to collect on this allegedly incorrectly owed debt. If PRA fails to be able to provide this information I expect them to delete this account from their files, and no further efforts to collect on this allegedly incorrectly owed debt will be made. If PRA does not comply with what's demanded and asked for within this complaint I will receive legal counsel and PRA will be held accountable to 15 U.S. Code 1692k. Cease and desist.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

CFPB remember, you job is to serve the people, not the banks! 

XX/XX/year> I wrote to XXXX XXXX XXXX telling them that I'm OPTING OUT of them sharing my information. They ignored the letter. They are in violation of : 15 USC 6801, 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ), 15 USC 1681a ( 2 ) ( A ) ( i ), 16 CFR 313.10 ( a ) ( 1 ) ( ii ), 16 CFR 313.10 ( b ) ( 1 ) ( 2 ) 16 CFR Appendix A to part 660 ( VOLUNTARY ). 

THEY HAVE DEFAMED THE NAME, WHICH I DID NOT GIVE THEM PERMISSION TO USE THE COPYRIGHTED NAME XXXX XXXX. 

In XXXXXXXX XXXX XXXX I wrote a letter to XXXX XXXX, the CFO, requesting a true authenticated record of accounting, nope didn't get one! 

Who is the CreditoXXXX? 

Has TD Bank made profits from this account with the initial application by hypothecation and is continuing to profit? 15 USC 45 deceptive practices. 

if it's been charged off, whose income is it to report?
Consumer complaint received 2022-07-14
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : {$0.00} CAPITAL XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$67.00}
Consumer complaint received 2021-08-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was put on automatic withdraw for payments at onset of Heloc ( line of credit ) in XXXX. I had been and am still paying for it. Original amount was {$20000.00}. I was told it was more later. I can not find proof. 
Then, on XX/XX/XXXX, there were two amounts taken from my account. Both amounts on same date. {$24000.00} and {$19000.00}. I was not notified of the transactions until early XXXX. When I called to set it straight, they said it was too late. But, they never notified me like they were supposed to. I had called several times before but they ignored my complaints every time. They could not tell me who or how that money went out of account. I do not know what is next.
Consumer complaint received 2022-07-29
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: EQUIFAX, INC. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2021-07-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

I contacted the Navient in XXXX to renew my payment reduction plan, I was told it lasted for 6 months. At this time, the representative advised me that this would be my last opportunity for payment assistance because my payment with the assistance is too close to the normal payment. And when it gets within {$50.00} of the normal payment, I will no longer qualify for assistance. The payment reduction plan payments have gradually increased, I asked if it was based on income and was told that income is not a factor in determining if someone qualifies for assistance. It seems this program is designed to force people into paying the maximum amount regardless of hardship.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX {$10000.00}, XXXX XXXX  {$10000.00}, XXXX XXXX  {$1100.00}, XXXX XXXX {$3300.00}
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : AN # XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XX/XX/2021
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit scores and credit report is not allowing me to purchase a new construction home with my VA Benefits. 
XXXX, Transunion and XXXX  are reporting Negative Derogatory items that has been in Charge off XXXX loan and XXXX XXXX XXXX XXXX XXXX. 
Federal Complaints was filed against XXXX and XXXX. 
There is also Unauthorize inquiries on my credit report. 

I can not obtain a VA Loan with the Derogatory remarks on my credit report. 
I have been Discriminated and Retaliated because of filed complaints against financial institutions and Credit Reporting Agencies.
Consumer complaint received 2021-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Received unemployment funds and advance from SBA and Bank of America flagged my account for Fraud and immediately closed the account. These transactions occurred on XX/XX/XXXX and XX/XX/XXXX. No funds were ever released to me. I contacted the State and SBA and they both stated that Bank of America had the funds. When I called Bank of America they said that the funds were sent back to these other institutions. So I was basically getting the run around. On today, XX/XX/XXXX I received an email from SBA to complete an application for another advance, as I completed the application I noticed that my information had populated in the application to include the previous advance amount that I never received from Bank of America.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (MS)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with MIDLAND CREDIT MANAGEMENT company I believe the original creditor XXXX XXXX XXXX XXXX XXXX  sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Consumer complaint received 2024-09-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

My home loan through Lakeview Loan care is not being reported on my credit report, yet I took the loan out over 3 years ago and am living in the house and making the payments on the loan. I recently went to refinance and thats when we found its not being recorded to my credit report which is very confusing and concerning. I contacted the loan company and they were no help. 
I was told to contact here and dispute this so it is recorded! 
My loan serviced by ( loancare ) i can provide account details if needed! balance is {$240000.00} This is very concerning as ive been paying on this loan for 3+ years! 
And speaking to loancare about this issue got me nowhere. Need it added to my credit report! Please
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had apply for a credit card back in 2023 never got the card. Not sure how it got activated and used. Not I have a bill and bad credit report. 
This is a capital One credit card
Consumer complaint received 2022-07-25
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. (GA)

The Credit Bureau, Equifax is in clear violation of the FCRA. -- Equifax is reporting an account to my credit report that was ordered to be deleted by the original creditor. THIS IS HINDERING MY ABILITY TO APPLY FOR CREDIT. -- Account name, " XXXX XXXX XXXX & XXXX '' Account # XXXX should be completely deleted from my credit report according to the original creditor. -- THIS IS CLEAR GROUNDS FOR REMOVAL. EQUIFAX SHOULD CONTACT XXXXXXXX XXXX XXXX XXXX XXXXXXXX IMMEDIATELY TO CONFIRM THE ACCOUNT SHOULD BE DELETED FROM CREDIT REPORT. -- EQUIFAX HAS ALSO VIOLATED MY RIGHTS UNDER LAWS LISTED BELOW : -- 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A. SECTION 2. A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (WA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (FL)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-25
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. (NC)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC (TN)

On XXXX I set up payment arrangements to pay Cedar Financial for a debt I had accrued with XXXX University. It was imperative that I get this done because I am enrolled in XXXX University and I can not attend the school have have a debt in collections at the school. I spoke with a representative at Cedar Financial. In which I wanted to arrange to pay {$50.00} a month. He told me that that would was not a significant enough amount. He asked what was my gross income. Then he asked how much was my rent car note and other household expenses. He calculated what I had told him and then told me that i had 600+ dollars remaining and told me I needed to pay more. I told him I did not have it and that I would like to keep the {$50.00} a month payment arrangement. We scheduled the one time payment and gave me a website that I could go to pay online moving forward. 

Cedar then contacted the school and told them that my payment did not go through and that payment arrangements were not set up and stated that we had a " verbal agreement '' On XX/XX/2019 knowing that my payment has come due again. I went online to make the ONE time payment. Cedar financial took 2 payments instead. I contacted my " account manager '' by phone 7 times no response. I contacted Cedar finacial directly they forwarded my calls back to the " account manager '' No answer. I called back again and spoke with another representative who told me that when You make an online payment they will post the payment twice. I told him that was unacceptable I only authorized one payment and that I would like to have my money refunded back to me. He then put me on hold to contact the billing department and stated that the money would be refunded. I asked for a confirmation email to show that the money was going to be returned. He stated that he would send it over in 5 mins. The money was not returned in fact the payments posted the next day and I never got a confirmation email The
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

My mortgage loan servicing was sold from XXXX XXXX  to Fifth Third Bank. I made escrow payments to XXXX XXXX which covered insurance and taxes. When the loan servicing got transferred to Fifth Third Bank, they claim that the insurance portion was not included. I made several calls over a few weeks to get the payment taken care of and they asked for a variety of documents. 

Once the documents were finally transferred over, and there were no more excuses to not pay, Fifth Third transferred from XXXX in Customer Service, XXXX in the Insurance department, XXXX in the Escrow department, XXXX from Insurance - each refusing to take responsibility. 

Finally, I was transferred to XXXX from loan servicing and she says she needed more insurance documents and if they add it to my escrow, payments will need to be increased. I tried to get them to explain why my escrow payments will need to increase when the previous servicing company charged the same amount for escrow but covered both taxes and insurance. In addition, my property tax bills have decreased over time. They gave me a fluff explanation and held the line of asking for more documents. 

In the end, I paid the insurance payment out of pocket. This type of behavior and transfer of responsibility is totally unacceptable.
Consumer complaint received 2019-10-22
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. (TX)

The inquiries below I did not authorize. I have contacted the companies and was told I had to dispute with the credit report agencies. The below inquiries need to me removed. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Bank   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX   Inquiry from XXXX XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines  XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Bank