davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/XXXX, I fully paid my Bank Of America credit card account. On XX/XX/XXXX, Bank of America charged me {$170.00} interest on a fully paid account. By the way, I paid Bank Of America the amount they listed to pay the account balance. There was no option other than to pay the total account balance. 

I called and asked for that interest charge to be removed and was told that they would respond in a couple of days. On XX/XX/XXXX, I was sent an email saying the request was denied. No reason was given, other than saying the decision was final. 

I feel it is pretty rotten of a company to charge me {$170.00} on a FULLY PAID account and then not even bother to give me a valid reason why the request was denied. 

I've been a Bank of America customer for over 10 years and this really frustrates me.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My current Mortgage is with Specialized Loan Servicing LLC : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX. I am trying to ReFinance, but the new lender can not move until I settle a Forbearanece with Specialized Loan Servicing LLC. 
I called Specialized Loan Servicing LLC and they stated I do not have a Forbearance. I asked them to send me a letter to such, so I could move forward and they haven't. 
I am caught in this revolving circle. I have always paid my mortgage on time and it was never short. Even with Covid issues everywhere, I was still about to pay the full amount on time. 
The new company stated that some companies actually put Forebeances on accounts without the customers asking for it ; maybe that is what this is. I don't know. I just need to keep this process moving. I don't know what else to do. Its been weeks. I've attached my last payments, my mortgage and another file for your review.
Consumer complaint received 2023-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (FL)

Pursuant to 18 USC 8, i owe no debt. This company, Wakefield and Associates are violating my consumer right to privacy to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX / XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Public Record : XXXX  XXXX bankruptcy filing Docket Number XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

its the data hackers that try to think Im XXXX  : FCRA violations : see the attachments for proof in the pudding : Account name XXXX  Account number XXXX Account type Education Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. 



XXXX XXXX Account number XXXX Account type Business Card Responsibility Joint Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX M XXXX Do you see information you believe to be inaccurate? 
Start a dispute Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type -
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services (NY)

this company Mercedes Benz Financial Services claims my account is closed, repossed, Full termination/balance owing, past due with a remaining balance of {$6200.00} and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. they have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number, reporting a balance on a reposseed car. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible! 
This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. The vehicle in question was purchased on or about XX/XX/XXXX, financed by MERCEDES BENZ FINANCIAL, repossessed in the state of New York, and sold by MERCEDES BENZ FINANCIAL on or about XX/XX/XXXX. Under the laws of New York and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Consumer complaint received 2021-08-13
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: Bread Financial Holdings, Inc. (OK)

Last month i sent out some documents to XXXX XXXX  and XXXX credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation for the CARES ACT forgiveness to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. When i submitted a CFPB to the agencies they are ignoring me and saying they don't recognize me as a consumer. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act. I called the furnisher of the XXXX  credit card in and they refused to validate and remove the other late payment. I explained to them that i didn't even know i had a credit card with XXXX  due to misleading advertising when i was in the store. I thought i was signing up for a members reward card and they gave me a credit card instead. Now The account is open and in good standing at the moment but they will not honor the CARES ACT here and remove the 30 days late payment. Please help this is causing me stress and severely hurting my credit.
Consumer complaint received 2022-07-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

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. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Spoke to a supervisor today named XXXX from the Arizona call center. I advised that I have a pending CFPB from Bank of America regarding the lackluster service I have been receiving. I wanted the {$12.00} credit on my checking account in which she refused to adjust. I terminated the services. Now I see an {$8.00} charge under my savings. I need the {$20.00} to be adjusted if not I will file a complaint with the New York State Banking department. I have been trying to contact XXXX XXXX ( XXXX XXXX ) to no avail. The previous CFPB is XXXX.
Consumer complaint received 2023-07-01
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)

I was shopping for home and I am very displease and disappointed that I found fraudulent and illegal accounts on my consumer credit report. I was recently in a breach with Equifax and XXXX so that lets me know that my information have been exposed. However, I am under the impression that my information should always be protected. Now that these fraudulent accounts have come to my attention, you guys are violating me. Under 15 usc 1681g my consumer credit report should be secured and if not, The credit reporting agencies can be sued immediately. This is a defamation of character and is causing emotional stress on me and my family. I am trying establish a home and I need you guys to remove these illegal accounts immediately! This is also destroying my livelihood and should no longer be neglected. I will be contacting the CFO of each credit bureau to complain because this is not fair. Please respond immediately with removing and blocking this illegal accounts so i can successfully buy my home.
Consumer complaint received 2021-07-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

This accounts is reporting as a collection and is showing payment history. Also a 1 month term which is not applicable. They also keep updating my balance every Month. Wrong details on credit report and not properly validated.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of
Consumer complaint received 2021-07-22
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: AMERICAN EXPRESS COMPANY (FL)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft AMEX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-07-22
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: PENTAGON FEDERAL CREDIT UNION (NY)

I requested XX/XX/XXXX investigation about how the account is actually reported to all three credit bureaus .Wether or not is Metro-2 and E-Oscar Complaint. 
Please reference to the CFPB complain copy attached. 
On XX/XX/XXXX Company replied that the debt is valid .I have NOT questioned validation of debt. 
I requested investigation several time already please see attached and have not received anything that looks like investigation report or even contract with my wet ink signature that I owe this company anything. 
According to XXXX ( XXXX and XXXX are not even reported, because account is not verifiable ) last time this account was reported in XXXX. 
That means that investigation was never started and/or completed. 
According to Furnishers ' Investigation of Disputes Filed with CRAs : 623 ( b ) : The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances. 
In addition to that : Section 312 of the FACT Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes. 
I addition to that : Direct Disputes Rule : 1022.43. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in XXXX, it allowed consumers to also file disputes directly with the furnisher. 
Finally, if the furnisher determines that the disputed information is inaccurate or incomplete or can not be verified, the furnisher must promptly modify or delete the information or permanently block the reporting of that information. ( Investigation Procedures. Under 623 ( b ) ( 1 ) )
Consumer complaint received 2021-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I Sent a Request to Validate Medical Debt. I requested three specific things 1. Please provide breakdown of fees including any collection costs and medical charges. 
2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
This Debt Collector failed to answer the three questions listed above. 
Instead they sent a vague letter stating " XXXX has verified this information with our client, and confirmed the outstanding balance of {$3300.00} '' The debt collector failed to provided breakdown of fees, medical services or treatment rendered, mover over they have failed to provide documentation that I gave permission for any medical or financial information to be provided to the current debt collector ( XXXX ). 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. XXXX has failed to Validate the Medical Debt. And they are in direct violation of HIPAA laws.
Consumer complaint received 2021-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sent a Request to Validate Medical Debt. I requested three specific things 1. Please provide breakdown of fees including any collection costs and medical charges.

2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. I request full documentation of what you received from the provider of service in connection with this alleged debt.

This Debt Collector failed to answer the three questions listed above. 
Instead they sent a vague letter stating " XXXX has verified this information with our client, and confirmed the outstanding balance of {$3300.00} '' The debt collector failed to provided breakdown of fees, XXXX XXXX or XXXX rendered, mover over they have failed to provide documentation that I gave permission for any medical or financial information to be provided to the current debt collector ( XXXX ). 
I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. XXXX has failed to Validate the Medical Debt. And they are in direct violation of HIPAA laws.
Consumer complaint received 2021-10-18
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. (IL)

This is the THIRD complaint Ive filed against Experian. The previous TWO complaints stated that Experian has failed in its responsibility to remove my bankruptcy from their file. It was agreed and ordered that this bankruptcy was to be removed from my credit file after a five year period per court order. XXXX and XXXX XXXX have followed this order. 
In the multiple attempts to dispute this bankruptcy with Experian, Ive failed in have this stricken from their file. Every time they claim that the bankruptcy is to remain on their file, it states that theyve used a third party to verify public records and that I may contact them. Back in XXXX of 2020 I did just as they suggested. 
XXXX conducted an investigation and deemed that the bankruptcy was to be removed from their records. Ive provided multiple uploads as well as copies via mail stating the aforementioned by XXXX. It has the consumer number of XXXX and case number of XXXX. 
Ive contacted the dispute department of Experian after multiple hang ups or no option given for this type of a situation. This is the most frustrating part of dealing with Experian. Everything is automated and no one knows where to direct me if I get lucky enough to speak to a human. 
In the few times Ive gained the disputes department, Ive requested a manager. 
After telling them the same story time and time again, I get different suggestions to what I should do next. 
At one point I was told that XXXX has access to their system and that XXXX can update. 
Ive called XXXX and they werent sure what Experian was talking about. This whole process is a three ring circus. Please get involved with resolving this matter in dealing with Experian. They dont do their jobs and seem to just run algorithms/ protocols on disputes and dont really have a human contact XXXX for verification of their investigation of which Ive enclosed multiple times. 
Finally, after every dispute, Experian never includes any documentation supporting their decision. Id like a copy of XXXX starling the opposite of what I have in a letter stating it should be removed form XXXX. I have to provide documentation and curios as to why the dont provide supporting documentation. The only answer I get is that its to REMAIN via a third party provider and to contact them.