davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (AZ)

Hello, Receivables Performance has flagged my account as collections on XX/XX/XXXX for balance {$340.00} to credit bureaus. In reference to that activity I have requested to raise a dispute of amount {$340.00}. I used to live at XXXX XXXX during that period I have signed a contract with XXXX XXXX XXXX XXXX and also had XXXX XXXX XXXX internet. Due to JOB I had to relocate to XXXX XXXX XXXX. I have requested to move my XXXX XXXX XXXX services both internet and XXXX to XXXX XXXX XXXX via customer service call. On that day a customer representative informed me XXXX XXXX XXXX services were not available in XXXX XXXX XXXX, hence the representative suggested cancellation of services and told me early termination fees will be waived in my case as XXXX XXXX XXXX is unable to move my services to my relocated place. Upon that confirmation I have placed all XXXX XXXX XXXX devices including internet modem and XXXX devices in a box and dropped in XXXX. Please find attached confirmation of XXXX XXXX XXXX equipment return. XXXX representative used only XXXX XXXX XXXX internet modem as primary shipping label and clubbed all XXXX XXXX and modem devices in one box and shipped to XXXX XXXX XXXX returns. I am still an active XXXX XXXX XXXX customer for a long time and used their many services in the last decade, why would I default {$340.00}? Anyways after stressful conversation with customer representatives I made payment as I no longer have patience. Never had any late payments to XXXX XXXX XXXX ( been with XXXX XXXX XXXX since XXXX ) or any other account. This negative flag has impacted my credit reporting. This is impacting my home purchase at right time.
Consumer complaint received 2020-10-14
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. (FL)

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THE XXXX XXXX ACCOUNT ) LISTED WAS OPEN FRAUDULENTLY SOMEONE USE MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IIN MY NAME I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRA. XXXX XXXX I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXXostal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-09-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I lost my job In XXXX of 2019 and could not make payments due to a Financial Hardship on my Toyota Financial Account. 
a total of 8 payments were missed ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of the year 2019 ). 
Repossession of the vehicle occurred which resulted in me paying the past due amount to regain possession of the vehicle. 
I was told by a Toyota Financial Representative that if I had paid the amount in full to get the vehicle back my credit will not be affected as in Late Payments. 
I can not qualify for a home loan because of negative payments and or reporting reflecting on my FICO Score.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

hello, this people, freedom mortgage are overcharging me {$410.00} for a lapse insurace they say, ive been living in my property for 12 years been thru 3 banks and never had do deal with this kind of harrasment, these people are crooks, ive talked to them, messaged them even spoke to suppervisors.nothing, they say they will fix this and call back, they dissappear they dont care, the worst customer service in my life. 
it all started around XX/XX/2020 they send a letter asking for insurance, i contacted my condo assoc asked for the information on the policy and and had them send it to them apparentlly they dont accept that insurance but the worst thing about this is that everything they do is by letters, no emails no calls, that way the customer is the one that gets affected, so it happenend that they sent a letter around XXXX, wich we were on a PANDEMIC, i wasnt checking my mail or couldnt, that they didnt accept this insurance, by the time i was able to see their letter and tried to shop for insurance i couldnt, we were on a PANDEMIC. 
until XXXX when i was able to shop for new insurace and get underwrittes which took 2 weeks i send it to them, by the time theyre charging me {$410.00} can you belive this???? 
this company are crooks, they dont care at all, i need you to contact them and have this issue fixed, they can not just overcharge you {$410.00} for nothing, not only that {$410.00} a month is {$4900.00}, what kind of insurance is that?????????????? i was able to get a whole year of coverage for {$700.00}, can you belive this??? 
anyways ive been messaging them calling them and they dont care, at all please help me fix this issue.tks FREEDOM MORTGAGE HAS TO BE STOPPED!!!! DO NOT USE THEIR SERVICES AND LET ALL POTENTIAL CUSTOMERS KNOW WHAT THEIR GETTING INTO!!
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

Americredit / GM Financial is preventing me from purchasing a home for my family. During the first quarter of this year, Covid-19 became a global and national pandemic. Fearful of major income loss, I communicated with all creditors to prevent any future financial / credit issues. Being that I was in good standing and current with my auto lender GM Financial, they offered me forbearance " arrangement '' of the loan. I made a large payment of {$1700.00} in XX/XX/2020 when my forbearance ended ( even though I was offered an extension by GM Financial ), another payment was made in XX/XX/2020 for {$3000.00} following me paying off the full balance of the vehicle in XX/XX/2020. GM Financial is damaging my good name and character by inaccurately reporting late payments, inaccurately reporting the account balance, inaccurately reporting the loan term incompletely reporting date of last activity to the three major credit reporting agencies ( XXXX, XXXX, XXXX ). Section 623 of the Fair Credit Reporting Act ( FCRA ) requires furnishers to provide accurate information to the ( CRA 's ) &  correct any identified issues when aware of them. Section 4021 of the Cares act also mandates on how to properly report accounts in forbearance during the Covid-19 Pandemic. I have reached out multiple times to GM Financial and spoke with multiple supervisors and departments in order to correct this errors. I was assured that the late payments would be corrected and that I would also receive confirmation by mail, as of XX/XX/2020 there has been no resolution or correction. The balance reflected on my credit reports is affecting my debt to income as well as erroneous late payments are affecting my ability to obtain a mortgage. I have no other option but to reach out for assistance since GM Financial is in willful and negligent noncompliance with the FCRA.
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (OH)

This is not my account. I'm unware of this account and did not have the opportunity to dispute before this information was placed in my credit report. Please provide the validation of debt, method of validation and assignment of debt. 

RESURGENT/LVNV FUNDING # XXXX Please remove account.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Incorrect collection account shown on my credit report from XXXX XXXX listed as open communication account with XXXX XXXX XXXX XXXX XX/XX/2020 with a balance. No know of such account and never received documents from them in accordance with FTC guidelines. This is bad faith billing and credit reporting practice.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

bank of america my debt card was used with all positive balances in the account at time of purchases starting date XX/XX/2020, today is XX/XX/2020, they held all processing until today so they can charge me 6. {$35.00} overdraft charges all at once .to collect the fees. ill explain. 
The first transaction was done XXXX FOR {$9.00} point of sale debt charge went thru. 
Next : merchant debt for {$1.00} charge went thru. 
all positives balances in checking account at time of t transactions Today XX/XX/2020, I had 2 charges come thru at XXXX XXXX on XX/XX/2020 usually in my business account i have ample time to cover these 2 charges before XXXX XXXX  banking hours. they blame it on merchant processing they are all debt cash transaction. 
Last charge was a XXXX transfer from my checking account to a relative account, cash balance positive in checking account. today the charged {$35.00} charge for that transfer as well. 
my complaint is all transaction are mine but they did not post transaction until my account was in the negative which was XX/XX/2020 I will not pay these fees deceptive account practices complaint # XXXX for bank of america filed
Consumer complaint received 2020-09-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Ive been Charge with over 12 Overdraft fees since COVID 19. I tried to resolve this matter with the bank but each time I speak with a representative Im being told something different. I became unemployed and it seem as if thats when the bank started to take fees from me.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (OH)

I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE and Assignment of Debt. 

National Credit Adjusters # XXXX
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX XXXX, REPORT ID : XXXX TRANSUNION REPORTED FALSE INFO AS FOLLOWS : 039-SERIOUS DELINQUENCY 014-LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 005-TOO MANY ACCOUNTS WITH BALANCES 018-NUMBER OF ACCOUNTS WITH DELINQUENCY
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I opened a Capital One Quicksilver account on XX/XX/XXXX ; Capital One 's website stated that the card has no fees, 1.5 % cash back, and clients receive a {$150.00} cash back bonus if they spend {$500.00} within the first 3 months. I met the minimum spend criteria within the first months, then waited for two additional quarters to see if the bonus would be credited to my account, which it was not. I called today to inquire about this and spoke to a supervisor named XXXX, who told me that the bonus did not apply to me because I already had an account with them and was an existing Capital One customer, and directed me to the portion of the website that says " offer MAY not be available for existing or previous accountholders ''. This language is important because it does not say " offer does not apply to existing customers '' and implies that there are other criteria. If Capital one is advertising this bonus for some account holders but not others, but in action denying the bonus to all existing account holders then this is false advertising. Furthermore, this has bearing on whether clients sign up for this card because it is purposefully misleading in its language.
Consumer complaint received 2020-09-02
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. (CT)

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, XXXX XXXX {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (RI)

TD Bank is charging excessive overdraft fees to the point I can not catch up with the account and is causing me to not be able to pay bills and purchase groceries - most recently they have charged me overdraft fees for pending items that were on hold and was enough in the account to pay - I made a purchase which dud overdraw the account due to the items on hold that were deducted from my available balance!! I was charged one fee - then when the items that were on hold and deducted from my balance posted to the account they charged me an additional {$100.00} dollars in fees!!! How is this legal or justified? Those items were deducted from my available balance already! I am experiencing financial difficulty due to the current environment and they refuse to rebate any further fees - this current environment is nit changing any time soon. How us this ok? How am I to manage my finances when 100s of dollars are being taken from my account due fees!
Consumer complaint received 2020-09-02
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. (MD)

I submitted a dispute to XXXX XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Consumer complaint received 2020-09-02
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: Experian Information Solutions Inc. (CT)

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATEXXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this
subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (LA)

I am in the progress of trying to fix my credit. I Noticed a collection on my account from a Convergent Outsourcing , INC . I never did any business with them and notice they said they were trying to collect a debt from when I had XXXX. To which I closed and paid my final bill. So i know I do not owe them anything. I sent them a certified letter with they account number that they have posted on my credit report asking for Validation of the debt. In accordance with 15 U.S. Code 1692g, I requested verification of the debt, including the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. I asked that if they do not have this information then to please remove it off my credit report. They have not responded to my letter as of today.