davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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: SCA Collections, Inc. (SC)

I am requesting to have XXXX XXXX XXXX  {$70.00} and SCA Collections {$51.00} removed from my XXXX and XXXX Credit Report. I am not aware of these creditors. These accounts are not my account. These XXXX accounts are affecting my XXXX XXXX. I have written to bother agencies and didn't get a response from either account. Both may be XXXX. I repeat these are not my account.
Consumer complaint received 2022-11-23
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. (TX)

There are a lot of inquiries on my report that are unauthorized. I want the inquiries removed immediately! They violated my FCRA by requesting for my credit report without my knowledge!
Consumer complaint received 2022-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (MI)

Diversified Adjustment Service is violating my federally protected rights under the FDCPA. Diversified has contacted me without my prior consent violating 15 USC 1692c.They are also using This alleged debt with Extortionate intentions to coerce and swindle me into paying the alleged debt.. See attachment for demands
Consumer complaint received 2024-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (NC)

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legally admissible evidence to verify the accuracy of what IC System INC : Opened : XX/XX/year> # XXXX is reporting {$XXXX} collections on my credit files, and this debt collection agency have not validated pursuant to the requirements of the FCRA XXXX I am complaining about the impermissible access of my credit report by IC System INC, in direct violation of the FCRA. I have discovered that the IC System INC fraudulent account. I need proof of a wet signature of an application w/ IC System INC and proof this is a credit transaction w/ IC System INC ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. IC System INC accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I need to dispute 3 transaction for " merchandise not received ''. I tried to open this dispute trough the call center, but the wait time is crazy long and the hours of operations are really limited.

Transaction 1 : XX/XX/2XXXX XXXX  XXXX {$740.00} It was a XXXX XXXX speaker, must be delivered on XX/XX/XXXX Transaction 2 : XX/XX/20XXXX XXXX XXXX {$740.00} It was a XXXX XXXX speaker, must be delivered on XX/XX/XXXX Transaction 3 : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$850.00} It was a XXXX headphones, XXXX be delivered on XX/XX/XXXX All of these purchases were made on the store, but they don't have the warehouse at the same place so they will send the items by XXXX. They never sent the items, also they never provided any tracking or shipment information. I tried to contact them several times by email and phone but they never respond.
Consumer complaint received 2022-11-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC (MA)

I took out several loans as an XXXX between XXXX and XXXX. In XXXX I paid off all of the loans as they appeared in my student account, yet in XX/XX/XXXX I received a letter from a loan provider ( ECSI ) stating that I owed payment on a XXXX loan in the amount of {$1500.00}. After 2 weeks of calls back and forth between ECSI and my university ( XXXX XXXX XXXX XXXX XXXX XXXX, I eventually learned that XXXX neglected to process this loan until XXXX, which is why I never saw it on my student account and why I didn't pay it off. 

I have since spent hours of my time reaching out to XXXX asking for two simple pieces of information : 1. Can they provide me with proof that I accepted this loan in XXXX, and 2. Can they provide me with an explanation about why this loan remained unprocessed for a decade, and therefore unknown to me. Each time I have contacted the university by submitting a help desk ticket, they have told me to contact ECSI and closed the ticket. I have submitted new tickets and explained that ECSI actually can not provide me with these answers, and XXXX provides the same response before closing the ticket again. I have also called XXXX several times, and even left work early to go to the university in person, but the response has always been the same : rude, dismissive, and extremely unhelpful. One agent even told me that this loan remained unprocessed because I was partially enrolled at the university between XXXX and XXXX, which is just blatantly untrue ; I graduated in XXXX and moved out of the country, so was in no way, shape or form still enrolled. I did return to XXXX for a graduate program in XXXX, and graduated in XXXX - I can only assume that my graduation is what triggered this whole mess. 

I find myself feeling incredibly frustrated at the university and their blatant disinterest in helping me solve a problem that is theirs to solve. I do not understand how they neglected to process a loan for a decade, yet can not provide me with any explanation about how this happened. I've been operating under the assumption that all of my loans have been paid, and it's overwhelming to learn that this is not actually the case.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

PenFed became the servicer on our mortgage in XXXX. Since that time, our loan was established with an Escrow account. They have never paid our Homeowner 's insurance yearly premiums or our Flood insurance yearly premiums. They have paid only 1 of the tax payments due on our property. I have been paying these premiums. They also require that my husband and myself set up individual accounts with their credit union. We are not interested in banking with this credit union so have not funded these accounts. 

I have spoken with their Escrow Dept. many times in order to tell them about the insurance and taxes not being paid. I have also conveyed to them that I paid these accounts and for them to update their system and reflect same on our mortgage loan. 

In XXXX, XXXX after repeated attempts to get them to comply, I filed a complaint with their Board of Directors. I have been communicating by email and mostly by phone, as they want all conversations recorded. A Senior Mortgage Servicing Loan Care Specialist has been my contact at PenFed since I filed this complaint. 

About 10 days ago, I was no longer able to access my mortgage loan information online. Penfed says on a pop-up after logging in that I do not have an account with them. This morning I was told that unless I fund the credit union accounts, I will not have access to my mortgage information online. I asked that I go back to receiving paper statements and that Penfed cancel my payments through their automated system and I will handle direct payment to them due on the first of each month. 

What Penfed is doing is damaging and illegal on many fronts.

I requested that Penfed no longer escrow funds monthly since they are not able to make the insurance and tax premium payments. The loan care specialist is working to have the Escrow account closed and funds remitted to us.

Please investigate PenFed Credit Union and PenFed mortgage servicing.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (FL)

I have my account with TD BANK, account info : Company name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # : XXXX Just find out I have been debited for {$880.00} monthly since XX/XX/2021. It means a total {$11000.00}. Bank says they cant return the funds, dont have any information about the vendor. Dont know what else to do. 

Is too much money and the money keeps going sour form my account.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (OH)

This company are XXXX When I canceled the first two checks for {$3700.00} and {$1400.00}, KIA finance applied them as payments and {$300.00} to interest when they should not have. They are at fault and even the lady who called me on XX/XX/22 said it was Kia finance fault because when you cancel a warranty the payments should automatically go towards the principal balance and not count as a regular payment or interest. Kia finance lied in their response, when I initially contacted the Ohio Attorney Generals office was because the XXXX dealership did not send the other checks that I canceled to apply to my principal. My letter was never requesting the ancillary product refund to be applied to only the principal balance of my account. How could I be past due when KIA applied the checks as payments/interest instead of applying them to my principal balance in the first place? Applying canceled warranties to the principal is common practice for all auto loans. They waited two months later to reapply the {$300.00} to my principal making my account past due. Also, the only reason why I paid on XX/XX/22 is due to me refinancing my car because Kia finance is a horrible company. My loan officer told me to pay for this month and I did what i was told. Attach are the documents showing Kia applying the checks as payments and interest when they wasnt supposed to in the first place. Even my current loan officer said when you cancel warranties they are supposed to go towards the principal balance not as a payment or to interest. Sadly, i did not know this at that time until the Kia representative called me on XX/XX/22 to inform me of this. Kia finance already have lawsuits for reporting inaccurate information on consumers accounts and they have lawsuits for applying payments wrong to consumers accounts! You guys had already sued hyundai for inaccurate credit reporting who is the same company as Kia finance. This is a ongoing issue that Kia finance/hyundai is doing! Attached are the documents. I never contacted the ohio general attorney office to request the checks to be applied to my balance, I do not know why Kia is lying and is supposed to be a business. This is not right!!!
Consumer complaint received 2022-11-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (GA)

National started calling me at work, although I was promptly communicating with the company about unexpected financial problems. I told the company NOT to call me at work. The company apologized and stated it would not happen again. Today, it called me again at my place of employment. This is NOT acceptable. 
The first instance occurred on XXXX XX/XX/2022. 
The second instance occurred today, XXXX XX/XX/2022.
Consumer complaint received 2022-11-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I filed for a loan modification XX/XX/XXXX and was denied. They gave me the runaround with my pay stubs asking if federal taxes was being taking out. They kept rejecting the stubs along with my XXXX taxes that I had gotten from the IRS. Then finally I was denied because they said they could not work out a plan because I owed to much. I applied for the Maryland Home Fund program and was preliminary approved for {$60000.00}. At the time XXXX would have brought my account current and my loan would have been reinstated. However, I was denied back in XX/XX/XXXX because they could not come up with a reasonable payment plan. Maryland Home Fund put {$60000.00} on the table for negotiations and they still denied me. In the denial letter Maryland Home Fund stated that the mortgage company said I am eligible to apply for a modification. They first denied me with no money on the table and then denied me with {$60000.00} on the table. I clearly have the income now since XXXX to stay current. Now the interest rates are about 7 %. They dragged it out and my current interest rate is 4 %. I'd like to know why they would not except the XXXX to modify me but tell me I'm eligible now. They have me gather all this information as if they are just going through the motions just to deny me. When my bankruptcy plan go into effect on XX/XX/XXXX I will have to pay XXXX a month plus the mortgage which is {$1700.00}. That will be very hard. If my pay stubs and taxes that were issued through IRS because I could not locate them that they kept rejecting are good enough for the trustee and Bankruptcy court and the Maryland home fund program, why are they not good enough for the mortgage company. They just want the house now that the property values are up.
Consumer complaint received 2022-11-15
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. (PA)

I have requested verification information for a collection account wuth XXXX XXXX XXXX. I have waitied more than 30 days. I have not received any verification information per my rights under the FCRA. Below is the information that is reporting with Experian and Experian, along with XXXX XXXX XXXX has refused to verify within the 30 day time period. Below is the information that is reporting. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : - XXXX - Account Type : - COLLECTION - Account Type - Detail : - Collection - Bureau Code : - Joint Account - Account Status : - XXXX - Monthly Payment : - - - Date Opened : - XX/XX/XXXX - Balance : - {$2100.00} - No. of Months ( terms ) : - 1 Month - High Credit : - {$2100.00} - Credit Limit : - - - Past Due : - - - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department - Last Reported : - XX/XX/XXXX - Comments : Completed investigation of FCRA dispute consumer disagrees Date Last Active : - XX/XX/XXXX - Date of Last Payment : - --
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Upgrade, Inc. (TX)

I applied for a debt consolidation loan with Upgrade and I was told I was denied using information from XXXX and XXXX. I accessed my XXXX report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my XXXX  report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed w the CFPB yet XXXX refues. I was denied a loan I need due to all the misinformation provided by XXXX and XXXX. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was discharged in XXXX. If XXXX refuses to remove I demand under 15 U.S Code 1006.34 that XXXX explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If XXXX is the parent company of XXXX why do they have different information for me on their files.
Consumer complaint received 2022-11-23
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: LEXISNEXIS (GA)

2ND COMPLAINT Dear Sir, I am in receipt of the response from LexisNexis regarding my complaint # XXXX. In their response, LexisNexis acknowledges that US Bankruptcy Courts do not provide information directly to consumer reporting agencies and that they ( LexisNexis ) have not verified the information they are providing to the three credit bureaus in accordance with FCRA laws, Section 611, paragraph ( 6 ) ( B ) ( iii.

LexisNexis confirms that they obtain their information from a third-party electronic source which is XXXX  Their acknowledgment of third-party information collection confirms that they are in direct violation of FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii, and therefore the bankruptcies they are reporting should be immediately deleted.

Please note, a third-party furnisher of information, such as PACER, does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source.

According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) from LexisNexis of the following : 1. The courthouse name.

2. the name of the person who verified the bankruptcy.

3. the court address.

4. the court telephone number ; and 5. the documentation used to verify the bankruptcy If LexisNexis can not provide the information requested above in accordance with FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation, I request that the CFPB take the appropriate action against LexisNexis for violation of federal law and additionally demand that the bankruptcies be removed from my credit report.

If the unverified bankruptcies, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), are not removed within thirty days further action will be taken not to exclude legal remedies.
Consumer complaint received 2022-11-17
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. (VA)

I have been filing again this dispute to EXPERIAN as you claimed that it was not me who filed the complaint dated XX/XX/2022, with complaint no : XXXX, then you are mistaken because it is me who is filing this complaint again. Please consider this as my formal complaint against the inaccurate reporting from the bureau. 

I have also attached proofs of this complaint.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (PA)

In XX/XX/2022, I reached out about a payment. I erroneously put funds in the wrong account and the payment resulted in insufficient funds. As soon as I realized the problem, I contacted TD Bank. I was told the payment was processed and there were no issues. To prevent further issues, I paid off the accounts. I then began to receive letters stating the insufficient funds issue which I was told was not an issue. I called back and was told the letter are delayed so the were sent after the insufficient funds issue, but before I paid off the balance. I did not receive anything indicating there was an adjustment to my credit limit. Fast forward to this week, I get an email indicating a {$310.00} credit limit when my limit was between {$8000.00} & {$12000.00}. How is it that one discrepancy in my 11 year payment history warrants such a dramatic decrease in my credit limit? I have NEVER missed a payment in the time that Ive had and used this card. I reached out prior to their system even knowing there was an issue and offered to make the payment over the phone. I was told I it was processed. Now Im being told that I had to call in XXXX about the credit limit issue but I wouldve only known about it if I logged on to the online portal which I did not have a need to do because the balance was paid off. No written notification yet this reduction because I made one mistake and was proactive in rectifying it and the customer service is no help. What are people who care about their credit scores and debt to credit ratio when they are operating in such a negative fashion. Ive never had a credit card in my 20 years of having credit that engaged in such harsh retribution for an error that was easily rectifiable.