davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (WA)

My bank always gives me wrong info they have advertise next buissnness the first XXXX from a deposit is available it which isn't true, they never due.tgey accepted and approved my deposit and posted .I show only negative is an available XXXX but when calling they say it's negative they haven't sent ledger and applications like I asked so why do they advertise one thing then act differently.
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

After losing my husband, my income took a significant nose dive, at which time I began getting behind on my payments. I applied for a Modification but it was denied on XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX  ( HUD ) to assist me. On XX/XX/XXXX, I received a call from someone identifying themselves as the legal department of my mortgage holder, advising me that my Modification had been granted and would decrease my monthly mortgage from {$2500.00} to {$1600.00}. I was estatic, Screaming, jumping around, and thanking him all at the same time. I was asked to pay {$1800.00} immediately, which would allow him time to do all the paperwork, in the meantime I was advised that my new payment of {$1600.00} would start on XX/XX/XXXX. In addition I was told not to call my mortgage holder, because he would be serving my accountt from now on. I was then asked when would I be paying the {$1800.00}, I responded I could pay {$1200.00} now and the balance on XX/XX/XXXX. I told him that he had my banking information already. He replied I dont have it I thought perhaps I needed to slow down. I called XXXX and told her the story as it was told to me. She asked if it was ok if we could do a conference call so that she could ask questions. So, called the legal department, and She asked the questions, and when we hung up from him, she said SCAM I then called my mortgage holder, who also said SCAM To be honest about it, Im so angry with them because I would have easily payed the {$1800.00}, Which would have made me lose everything. Ive kept all their voicemails. Unfortunately when youre desperate, its quite easy to try and grab a life jacket. 

Im a XXXX senior, and these guys are preying on people that are already stressed out. My mortgage holder, didnt do anything even knowing that these crooks were using their name. When I receive a call from the legal department, my mortgage holders name appears on my ID. 

Its difficult for me to turn and walk away because I know someone will lose their home in this manner. I have advised the legal department that Im interested in the modification, so their pushing forward because they smell my money. I just dont know, how to push forward and get this information to the right person or agency that could catch these CROOKS. Hopefully, you can point me in the right direction. XXXX gave me you.
Consumer complaint received 2023-03-16
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. (CT)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 sec 602A. I have a right to privacy.

15 USC 1681 604A sec 2 consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information : any adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (KY)

Initial charge on this card was in the amount {$2900.00} clearing the {$2500.00} threshold for 24 month interest free financing according to https : //www.ikea.com/us/en/customer-service/services/finance-options/ My statements are showing 12 month interest free financing and this is incorrect according to all forms of advertising by XXXX and the rate and fee summary provided as part of the agreement with Comenity Bank XXXX 

Comenity Bank has refused to assist claiming the issue can only be cleared by the vendor ( XXXX ) XXXX has refused to assist claiming the issue can only be cleared by Comenity Bank.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

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 2019-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (PA)

Vehicle was a total loss on XX/XX/XXXX. My car insurance paid there portion. Leaving a balance of of {$7200.00} on XX/XX/XXXX GAP insurance paid {$2300.00} on XX/XX/XXXX. Leaving me with a balance of XXXX. Received a letter from Santander date XX/XX/XXXX stating that my payments were to be {$440.00} until balance was paid. I started calling them right away letting them know that I could not afford that. Unfortunately because of the total loss I had to get another car loan i could afford to pay $ XXXX {$150.00} a month and to please modify my loan. I have called them 6 times on this issue to help me resolve this issue to no avail. 
Now on Thursday XX/XX/XXXX I called again just to be told no again and atop of it the money that the GAP insurance paid was reversed on XX/XX/XXXX. Got in touch with the GAP insurance and was told that were not going to pay now leaving me with a balance of {$7200.00} at interest rate of over 22 %. " PLEASE '' any help you can provide is greatly appreciated.
Consumer complaint received 2023-03-16
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (VA)

Account control technology ( ACT ) was responsible for collecting my student debt since XXXX. ACT was transferred to XXXX XXXX XXXX in XXXX of XXXX, yet I never received a notification about the transfer until XX/XX/XXXX. I received a bill in the mail notification that I owed money to XXXX XXXX XXXX on XX/XX/XXXX. I contacted them and they told me that they hadn't received a payment since XXXX of XXXX. I told them I was still paying Account control technology ( ACT ) ( I have bank statements to prove this ). When I attempted to login into my ACT account to switch payments to XXXX XXXX XXXX, the portal no longer existed, yet my payments were still being sent to " ACT-TRUST '' yet the payment was not being applied to my loan amount. 

I contacted XXXX XXXX about this, they told me I needed to contact my bank and report the problem that they could not fix it. This merger of accounts has been very frustrating and not good business practice. I have been charged additional interest on an account that was in good standing and being payed on monthly. This is theft.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I disputed 4 accounts with Experian. One was resolved the next day. It was a collection account that was not mine. It was subsequently removed. But then my credit score decreased by XXXX points. This doesn't make any sense at all, and I can not reach anyone to explain or rectify it. 

Help Sincerely..
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

This is my third CFPB complaint, Capital One is not even replying or answering my complaint at all. I have been on the phone with Capital One to request my credit balance refund check of the balance on the account of - {$8600.00} XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or the list of inquiries 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting everything must be true and 100 % accurate.

The credit bureaus stated that my was properly investigated but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the dates last reported are inaccurate. This is grounds for removal.

15 U.S.C 1681 section 602 A states I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I mailed you a letter disputing 3 accounts as erroneous as certified mail with return receipt requested. I received notification that you had received the dispute letter in the mail on XX/XX/2022. I have not received a response from your company as of XX/XX/2022. In accordance with Section 611 ( a ) ( 5 ) of the Fair Credit Reporting Act, you have 30 days to investigate disputes. You must delete all disputed accounts from my report if you are unable to verify the information within the 30-day time frame permitted by federal law. The disputed and unverified accounts must immediately be deleted. Failure to do so could result in a {$1000.00} fine per item that is not removed. 

In accordance with federal laws, a Consumer Reporting Agencies shall only furnish information in accordance with the verbal or written consent of the consumer to whom it relates. Reporting a consumer 's personal or financial information without prior consent is a direct violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.

I have enclosed the original letter Outlining the disputed accounts.

Since I am prepared to pursue this matter in Federal Court, if I do not receive formal notices that these unverified accounts have been removed, I will file a lawsuit for identity theft, invasion and deprivation of privacy, defamation of character, and for impermissible purposes. Please be advised that as part of the legal proceedings, I will be seeking monetary damages for the numerous violations committed against me, the consumer, a natural living person. These compensations are non-negotiable as I have already given you the opportunity to remedy this matter. I'd like you to send me a free updated copy of my new credit report after you've removed these account ( s ).

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am XXXX XXXX  and I am traveling outside the United States, I got my XXXX check deposited into my bank of america account but the account was suddenly closed. I am unable to book a flight to come back to the United States because the bank is holding my funds. Federal regulations states the financial institution must returns payments to social security administration 's so the money could be deposited into a bank account via direct deposit... however Bank Of America is not helping me.
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

SINCE WE made contact, I spoke with XXXX  at common wealth aka debt collector in Texas. I told them exactly how and why I'm being charged for a {$45.00} x-ray and not XXXX XXXX. Anyway where the XXXX did common wealth or whoever before them made a {$45.00} x-ray could cost so much?! I explained to XXXX that I'll pay the owed debt of {$45.00} dollars for the x-ray and offered to go ahead and pay XXXXXXXX XXXX and call it even. We refused many times for showing me to make a payment. He continued refusing my requests replying with I can only pay the full amount that's it, no questions asked, no answered questions. There way or the highway. I offered to pay the original owed debt that doesn't even belong to be. And pay extra on top of the owed debt that doesn't even belong to me from the beginning. 
Thank you for the help of these corruption medical/credit industries, theft, fraud, identity scams PREVIOUSLY SENT TO YOU I was under the authority of XXXX XXXX sheriff 's department I was XXXXXXXX and under their supervision I denied Medical Services numerous times and against my will they forced me XXXX me took me to the hospital ran a bunch of x-rays on me claiming my bones were broke in which they were not and now they're trying to make me pay for it I don't think so they need to go after XXXX XXXX like I've stayed in multiple times under multiple disputes that I am not responsible for any of that after time and time again I refused everything and I'm tired of the harassing voicemails calls during work Church all hours of the day and night I'm just fed up and you guys are my final hope!
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CO)

In XXXX of 2022 I received notification from Convergent XXXX claiming I owed XXXX XXXX {$100.00} for an account that was opened XX/XX//2022 ; I told them I have never had an account, they advised me there was no service, just an activation fee, i told them never applied nor received a phone from them, I have been with XXXX for 7 years and have never had any interest in transferring my service. They said they would notify them, XXXX then reported it to my credit without knowledge of the debt, I wrote them and XXXX and they provided me nothing but a letter asking me to call then at XXXX when I call they wont help me but tell me to call XXXX instead, I called them and they said its under fraud. It is still on my credit report and they will not provide me details. I HAVE NEVER had SERVICE with XXXX
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I  received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

On ( XX/XX/2023 ) XXXX XXXX, I went to Regions bank to withdraw {$5000.00} dollars from my checking account. Unfortunately, I was denied from completing my transaction because the bank teller and branch manager informed me that my transaction was still pending and that I could not withdraw my funds. The branch manager told the teller, if it were my cash draw I would not complete the transaction. The teller also mentioned to me that I had a similar transaction done the day before ( XX/XX/2023 ) and she needed approval. The ( Branch Manager ) proceeds to tell the teller that she would not complete the transaction because it is still pending and it could come back returned. I had to drive to another branch farther out to withdraw my funds while pending without any issues. The bank teller tried to give me back my withdraw slip and I exited the bank. I contacted the Branch Manager ( XXXX XXXX ) on XX/XX/2023 to file a complaint. She has not returned my phone call.
Consumer complaint received 2019-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service of Central Washington, Inc. (WA)

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. It has been 60 days since I mailed that out, and under the FDCPA, the debt collector had 30 days to respond, and did not, which is a violation of the FCRA and FDCPA. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ) and XXXX XXXX XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. In addition to this, they're reporting that they originally purchased this collection on XX/XX/2013. We are 10 days from the statute of limitations running out, even if this was a real debt. Title 4, Chapter 16 of the Revised Code of Washington ( RCW ) outlines the various statutes of limitations for debt collection in the state. RCW 4.16.040 gives written contracts and accounts receivable a statute of limitations of 6 years before the unpaid debt becomes time-barred. RCW 4.16.080 stipulates that oral contracts have a statute of limitations of 3 years. Thank you for helping me resolve this matter.