davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Diversified Adjustment Service , INC . 
XXXX XXXX XXXX XXXX MN XXXX XXXX RE : Account Number XXXX Dear Diversified Adjustment Service, INC I am responding to your contact about a debt you are trying to collect. You contacted me by personal email XXXX on XX/XX/year> and identified this alleged debt. XXXX  with account number XXXX. 
Please supply the information below so that I have all information : o The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
o If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
o Provide verification and documentation that there is a valid basis for claim that I must pay the debt to the current creditor. For example, can you provide copy of the written agreement that created my original requirement to pay? Also include the purchase agreement for this alleged debt. 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that must pay. 
The amount and age of the debt, including : o A copy of the last billing statement sent to me by the original creditor.

o State the amount of the debt when you obtained it, and when that. Ive sent this to the debt collector and did not receive any of the requested information.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TomoCredit Inc. (OH)

XX/XX/XXXX I paid for a VIP subscription to have my account reported I paid the {$130.00} account never showed up on my credit file XX/XX/XXXX I paid a second month subscription fee of {$110.00} still no report this company has been discriminating me since the first day I emailed them to see when they were reporting one of their representatives XXXX XXXX cancel my subscription after I had just paid on the XXXX then says no refund if a consumer cant scam a company a company should never be able to scam a consumer and I am ready to file a lawsuit and collect my damages because this is messing with my livelihood wanted to buy a home in XXXX sometime so I added this account just to get treated like nothing from this company they have taken my money cancelled my subscription to sabotage me I did nothing wrong this is a blatant scam and XXXX XXXX needs to be held accountable for this I am prepared to go to the attorney general and filing a lawsuit if this account is not reported I never asked for a refund or cancellation I asked for my account to show up on my credit report they are doing me very wrong no company should ever be able to operate in this manner the lack of professionalism and customer service is very alarming this is not right people work hard for their money. TomoBoost scammed me ask yourself if this was a consumer doing this to another consumer wouldnt be considered a scam?
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SANTANDER, I am writing to address a clear violation regarding the unauthorized reporting of information to my credit report, as established under the Fair Credit Reporting Act ( FCRA ), including Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant provisions of Missouri law related to identity theft and fraudulent credit reporting.

It has come to my attention that SANTANDER has engaged in unauthorized reporting to my credit file without my explicit consent. Federal law, specifically under the FCRA, mandates that such reporting requires consumer consent, as outlined in Section 1681b ( a ) ( 2 ). The FCRA 's protections are designed to safeguard consumers from wrongful reporting that can harm their credit reputation.

In addition to federal provisions, Missouris identity theft and fraud laws, including Mo. Rev. Stat. Section 570.223, protect residents from the unauthorized use of personal identifying information. The statute clearly defines identity theft and stipulates penalties for those who use, possess, or transfer personal identifying information with the intent to defraud. Unauthorized credit reporting, without my express permission, constitutes a serious violation under both federal and state law, including Missouris protections against identity theft and fraud.

I affirm, with absolute certainty, that I have not granted consent to SANTANDER to report any information to my credit report. This failure to obtain my authorization is a blatant violation of my legal rights, potentially harming my credit standing and violating the FCRA as well as Missouri state law.

I hereby demand that SANTANDER immediately cease all further reporting to my credit report without my explicit consent, as mandated under FCRA Section 1681b ( a ) ( 2 ), and that they comply with Missouris statutes on identity fraud and unauthorized use of personal information. Should this matter not be resolved within 30 days, it will be considered a willful violation of federal and state laws, subjecting SANTANDER to penalties for noncompliance.

This demand is not a matter for negotiation but a requirement for adherence to federal and state regulations that protect consumers like myself from unauthorized and damaging credit reporting.

I expect immediate action and full resolution of these violations. Failure to comply will leave me no choice but to pursue legal remedies as allowed under both federal and Missouri state law.

Done in good faith.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2018, at XXXX XXXX, I received an email supposedly from Bank of America. It reads as follows : Exclusively for : ( they put my email address here ) Your nline anking has been dsabled for securty purposes, We've detected an unsual activites from your acccunt, We want you to confrm your dentty to secure your accunt. 

Want to confirm this email, s from ank of Amerca? 
Sign in to nline anking and go to lerts History. The lerts History lists the Alerts sent to you in the past 60 days. 

This Alert relates to your Online anking profle, rather than a particular accunt. The accunt listed here is for verificatin purpses only. 

Ths message was maled automatcally to " XXXX '' during routne securty checks. 

Thank you. 
ank of merica Supprt Team Please do not respond to this message.

HOWEVER, I DO NOT EVEN HAVE AN ACCOUNT WITH BANK OF AMERICA! 

They embedded a link under this line in the email : Sign in to nline anking I did not click on it.
Consumer complaint received 2024-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (DE)

XXXXXXXX XXXX XXXX sold me a vehicle for XXXX over value. They also failed to provide me with a right to rescission notice. Fraudulent odometer readings on sales contract as evidence by photographs on the day of purchase as well as servicing details via XXXX and state car inspection. I have filed complaint with traffic enforcement as well as the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2018-05-22
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I went through a loan modification process that took this company 1 year and a 1/2 to  resolved when they finally came through saying I was approved for the loan modification they informed me on a telephone call that I've made to them on XX/XX/XXXX, however they stated the loan modification was approved back on XX/XX/XXXX, I did not received any notices on the mail or phone calls or perhaps an e-mail stating this was already approved not to mention a placed phone calls to this company at least twice a month to check the status of the loan modification every month since the process started, I did not know where the payments I was making ( every month ) where going to and that's why the phone calls on my part took place, they just kept saying to keep making the trial payments and they'll informed me when it was approved!! so it was very shocking to me to find out the way I found out since I was making calls every month and since it was back from XX/XX/XXXX to XX/XX/XXXX, then this company told me the same day this happened ... " by the way you are behind a month '' even tough I was making ( trial payments every month ) when I asked the representative she told me that she did not know how this could of happened but she said I am going to help you she replied then she said to make payments with a little extra money for 3 months and the " late payment '' was not going to take effect on my credit since it was a mistake on their part. Well to my surprise they have been reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX being 30 days late, not " XX/XX/XXXX '' wonder why? and also reporting XX/XX/XXXX and being late 180 days, this has created a serious issue with my credit report and score and I want this company to be fair and removed what they did wrong in the first place I've send them dispute letters and there is no response, I asked for copies of signed documents for the modification and a copy of the approval letter of the modification with dates so I know when it was sent to my residence which has been the same for the last 5 years and it is the same house I'm paying the mortgage with this company and they failed to do so, when I call they send me to a loss mitigation dept which never answers and they have not been able to provide me with the modification documents I need to make a case against this company with my lawyer probably because they don't even have them I want to remove all late payments from my credit history with all credit bureaus ( Equifax, XXXX and XXXX ) companies like this should not be able to get away with destroying peoples financial lifes because of their inability to do their job correctly and fairly ... I want my financial life back.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Today, XX/XX/XXXX I used Bank of America 's login to send money to an individual to purchase tickets to a hockey game. The price for two tickets was {$200.00} total. I logged in to Bank of America to send the payment through their app called XXXX. Per their website this is intended to " Securely send or receive money to/from others using only an email address or mobile numberno account numbers needed. '' I used this to forward the {$200.00} to the individual. After it was taking a little while to get the tickets emailed I decided to look into this further. I used a fake email to email the same guy and ask for the tickets. He agreed to sell them to me again though I had already paid him as the real me. So I knew it was fake. 

I called XXXX and was told there was nothing they could do but I should call BOA and speak with them. I spoke with BOA and was told that the payment says it is processing but has already been sent. The lady I spoke with indicated that since I authorized the transaction there was nothing BOA could do. I have an issue with BOA falsely advertising their product as a " secure '' way to send money. XXXX also indicates that they are a secure way to send money and back that up as indicated by protecting the user if fraud occurs. Buried deep in the TOAs does BOA finally say that this isn't protected. Please note that it doesn't say this anywhere in the process to send money and I only found it after I XXXX  this and had to really hunt. I would like BOA to refund or charge back the {$200.00} as requested. I would like them to back up something that they promote within their own website as being safe and secure way to send money. 

Please also note as quoted from their website : " Is it secure? Yes, with our BOA Mobile Banking Security Guarantee, you are protected by the same security you're used to where you will not be liable for fraudulent transactions ( when reported promptly ) and we will help keep your information safe. '' This transaction is now fraud due to the fact that a service was offered and then not provided.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (FL)

XXXX 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.

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 XXXX 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 2022-09-21
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2018-05-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

The account representatives at Navient ( formerly Sallie Mae ) have provided me with false information regarding the terms of my private student loans. They stated that the loans have entered the repayment period as I have supposedly reached a limit for in-school deferment. I informed the customer account representative that I am currently in school, full-time at an eligible university ( who provided the necessary enrollment verification documents to Navient ), and he responded that there is no way I could still be in school full-time after this many years. His response was not only offensive, but inaccurate, as I am currently enrolled in year 4 of a 6-year XXXX program ( + 4 years of XXXX education and 2 years of graduate training for my XXXX XXXX ). 

I have thoroughly reviewed the promissory notes for these loans and there is no mention of a maximum number of years in which a borrower is eligible for in-school deferment, and in fact, had the deferment been automatically granted ( as the promissory notes state it should have been given my continuous full-time enrollment ), then this loan should not have gone into repayment at this time. Furthermore, the account representative I spoke to most recently strong-armed me into committing to making monthly payments in order to avoid defaulting on this loan ( which was in fact, not eligible for default per the promissory note ). As a result, I have unduly suffered late fees, additional costs and interest, and damage to my credit score. I sent this information to the customer advocacy department at Navient and they responded stating that they only allow 48 months in-school deferment time. This information is not listed in the promissory note or any agreement that I signed or received. Furthermore, the loans they are referring to were disbursed in XX/XX/XXXX and XX/XX/XXXX ( far more than 48 months ago ), yet this is the first I am hearing of this 48 month limit. 

Their actions have violated the federal Fair Debt Collection Practices Act in numerous ways. They have continued to call me ( on my cell phone and at my graduate student office at school ) and my co-signer 6-7 times a day, every single day. They have threatened me with garnishing my wages and with litigation ( even though the statute of limitations has expired on these loans and it is against the law to threaten litigation on time-barred debt ). They have also provided false information about the legal status of my loan ( stating that it was going to default at XXXX that very day if I did not make an immediate payment ).
Consumer complaint received 2018-05-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

My homeowners insurance was originally due in XXXX. I received notice XX/XX/XXXX from XXXX XXXX that the policy has yet to be paid by our mortgage account with XXXX XXXX. We have sufficient funds in escrow to pay this policy. The insurance company has been in constant contact with XXXX and they have been told numerous times that the payment would be sent overnight but it has yet to be done. The insurance has extended the due date til XX/XX/XXXX for this to be paid to protect myself, the homeowner. I need help to get the mortgage company to pay this payment out of my escrow account like they are supposed to. Dates of contact ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-09
Product: Credit reporting 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. (SC)

XXXX, Experian, and XXXX have my XXXX XXXX XXXX account as a Charge-Off which is certificate of indebtedness. Its now income and it needs to be removed. Which is a violation of my privacy rights under 1974. 

Date : XX/XX/XXXX Amount : {$15000.00}