davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to contact the company ( XXXX ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on  time. Back in XX/XX/XXXX and XX/XX/XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2018-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

This has been ongoing situation since XXXX. I have a direct student loan from attending XXXX XXXX which I have been paying 2x monthly but none of those payments are being applied. 

I also have a XXXX XXXX loan I have been payment with the same frequency and amount while I was attending XXXX XXXX. All of my payments have been going to XXXX XXXX none of the payments designated for my direct loan have been applied to to my direct direct loan. 

This amounts paid toward direct loan are 1- 1 1/2x the monthly minimum payments that should have my direct loan ahead/current. This is not the case. It has me as 6 months delinquent with added late fees. 

So because of this my credit report show me delinquent on both XXXX XXXX XXXX with increase to both loans with interest/late fees applied to both. 

Navient can not offer my an explanation as to why despite different account numbers all payments are only being applied to one loan I have been making these payment electronically via bank
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IN)

I was involved in Ace cash express refund settlement and did n't receive the check until late XXXX XXXX, check was dated in XXXX. Looked into last month, after hours of getting no where gave up. Seen it again and figured I try, it 's over XXXX $ so would like to figure it out.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (FL)

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MN)

I had a XXXX XXXX XXXX Store Card account that was charged off. I spoke with XXXX XXXX in XX/XX/XXXX and agreed to a settlement of {$770.00} to be paid by XX/XX/XXXX. I was told a letter confirming this settlement agreement would be sent out within 10 business days and I went ahead and paid {$150.00} towards this agreement on or around XX/XX/XXXX. On or around XX/XX/XXXX I contacted XXXX XXXX again to inquire as to where the letter confirming our agreement was and that I was hesitant to make payment to them without confirmation of the agreement. I did not receive a letter. 

On XXXX XXXX, XXXX I contact XXXX XXXX again and told them I was upset that I did not receive the initial letter and that they had made it frustrating to repay my debt. They offered to settle the account for {$650.00} to be paid by XXXX XXXX, XXXX, an amount that is higher than what I originally had remaining to be paid. I request XXXX XXXX send me a letter confirming this agreement and again raised concerns about not receiving it the previous time. 

I never received the letter and on XXXX XXXX, XXXX I received a letter dated XXXX/XXXX/XXXX from a XXXX XXXX  indicating they had been hired by XXXX XXXX to collect an outstanding balance of {$870.00}. This initial demand letter I believe violates several portions of the FDCPA as does XXXX XXXX XXXX  misleading actions.
Consumer complaint received 2024-11-01
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: EQUIFAX, INC. (VA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2018-01-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing has alleged that there is a contract between parities, within this complaint there is no contract. We have made multiple attemps to resolve this issue with the CFPB and other agencies and now have filed a lawsuit against XXXX, XXXX XXXX, Select Portfolio Servicing and all other banks involved. The CFPB stated that " We also entered your complaint into the Consumer Sentinel Network, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the Consumer Sentinel Network to  identify questionable business practices that may lead to investigations and prosecutions ''. This is a great idea to bring about prosecutions using the RICO act, due to the continuous illegal tactics and communications to collect a debt that has been proven to be created by identity theft. SPS continues to re-send the same documents that have been proven to be forgeries. They also seemed to have created new documents, and alleged without varification to have a contract with the property owners, but when ask of the contract, they have not produced such contract and or have placed this situation to higher investigations. No affidavits, no witnesses, and no officer signs off on the the alleged documents wherein its just made up accounting and numbers, with no proof of a contract. They state that they are follwing the law, but make no mention of what laws they follow. It is assumed and believed that they SPS are a foriegn agency and are illegally attempting to collect fraudulent debts within the USA. Having an address or a location in the USA doesnt make you a company within the USA, they have simply just got or aquired a name and are attempting to sieze properties within the USA as outside agencies or fraudulent companies.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX/XXXX/XXXX I received a copy of my credit file and found that there was incorrect information reporting on my Trans Union file. 

XXXX # XXXX {$85.00} I contacted this creditor by telephone on XXXX XXXX XXXX who confirmed to me that the above mentioned account and its balance reporting on my credit file as being verified by Trans Union Credit Bureau was unknown to them. Furthermore, I have been advised by the creditor to dispute the entry with the credit bureau and the creditor will respond as such. 

In XXXX I had previously informed the bureau that this account was unknown, the reply I received from Trans Union was that this account was verified which is contradicting the statement received from the creditor. 
The creditor does not agree with this credit reporting bureau I request assistance by the CFPB in the closure of this dispute by disclosing the FULL validation of this account.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX WHO IS A DEBT BUYER IS REPORTING A ALLEGED DEBT THAT I DO NOT OWE THEM, I HAVE NO CONTRACT EXIST THAT I OWED SUCH ALLEGED DEBT. THIS INACCURATE REPORTING IN MY CONSUMER CREDIT REPORT HAS HARMED AND DENIED ME FROM OBTAINING CREDIT AND PREFERRED RENTAL UNIT. 
XXXX XXXX XXXX works with its affiliate, XXXX XXXX XXXX ( XXXX ), to service accounts.
Consumer complaint received 2018-01-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (NY)

XXXX SUV Reposessed by Credit Acceptance XXXX - Judgment placed against me by XXXX XXXX XXXX XXXX XXXX on behalf of Credit Acceptance for Balance of Original loan less sold value, plus interest XXXX - XXXX Garnishment From wages to pay balance XXXX - Called XXXX XXXX XXXX XXXX stating my credit report is only showing a {$300.00} Balance left, after all of the garnishment Ive paid. XXXX XXXX XXXX XXXX stated I owe an additional {$2400.00} at 9 % interest, however my credit report is now showing the repossession has been paid in full since XXXX/XXXX/XXXX. 

Ive sent requests in writing to Credit Acceptance, and XXXX XXXX XXXX  XXXX for some sort of Ammortization schedule, or some sort of proof that there is still a balance. I also requested this information on the phone with Credit Acceptance who said I needed to speak with XXXX XXXX XXXX  XXXX on the matter. XXXX XXXX XXXX XXXX could not provide me with an ammortization schedule or information as to why my credit report balance decreased every month after payments were applied from the garnishment. They did state however that they only applied {$98.00} from the {$340.00} a month that was garnished towards the principal balance. 

Since XXXX/XXXX/XXXX, they have taken almost {$600.00} in additional garnishment.
Consumer complaint received 2018-01-09
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: Experian Information Solutions Inc. (TX)

The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I WAS CHARGED FOR TRANSACTIONS THAT I DID NOT MAKE OR AUTHORIZE AT ALL. THIS WAS ALL DONE THROUGH MY XXXX XXXX   ACCOUNT. I REACHED OUT TO THEM BACK WHEN THIS HAPPEN AND THEY DID NOTHING FOR ME. SO WHEN I RECENTLY CONTACTED THEM AGAIN WITH MY FRIEND THEY SAID THAT THE CHARGES WERE TOO OLD AND THEY COULDNT HELP ME. THIS MONEY WAS STOLEN FROM MY ACCOUNT AND THE CREDIT CARD REP TALKED TO ME SO RUDE AND MEAN TELLING ME IM TOO OLD TO REMEMBER AND I DID MAKE THIS CHARGE AND JUST BEING NASTY TO ME. IM XXXX AND THIS IS SO UPSETTING TO ME. PLEASE HELP ME. I WILL LIST ALL THE CHARGES THAT WERE MADE ON MY ACCOUNT. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PLEASE HELP ME GET MY MONEY BACK
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (PA)

Received an alert on XXXX XXXX, 2017 stating that I had an opened account with XXXX XXXX for {$610.00}. Up until this day, I had never even heard of this company. This is showing up as derogatory on my credit report. I have made numerous attempts via mail and phone calls for someone at this company to validate this debt and or payment history along with a signed and legal binding contract between them and I. As of today, nothing. Please delete the account from my credit report for all 3 bureaus ( XXXX, XXXX and XXXX ). If the account is not deleted, I will be forced to contact the BBB and legal counsel to file suit.
Consumer complaint received 2018-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

We have been banking at BofA for many years, maintaining substantial balances from time to time. In XX/XX/XXXX, we bought a home in South Carolina and agreed to let the seller rent the home back from us for 3 months at {$2500.00} per month. The final rent check was machine deposited at BofA and reported on our monthly statement as a {$2500.00} check, but 24 days after the deposit, BofA determined our renters check was just {$25.00}, not {$2500.00}, and reduced our account balance by {$2400.00}. BofA tells us to get the money from the renter, but he moved out of the home during the 24 days, leaving us out {$2400.00}. 

Here are the details : The rent check was deposited on XX/XX/XXXX along with other checks, by BofAs machine deposit system. The deposit slip shows the {$2500.00} check. So does our BofA bank statement sent to us on XX/XX/XXXX. But, more than a month later when we received our XX/XX/XXXX BofA statement, we learned that on XX/XX/XXXX, 24 days after the deposit, someone at BofA concluded our renters check was for {$25.00}, not {$2500.00}. 

When we learned of BofAs delayed interpretation of the check, we asked our renter to pay us the balance ; he refused, saying he was sorry and it could have been caught sooner. BofA says we should sue the renter, but we feel certain BofAs negligent handling of the deposit, e.g., accepting the deposit and reporting that acceptance for the extended period ( 24 days ) our renter was still in our home, is the reason we have been shorted {$2400.00}. 

We believe the language of BofAs Deposit Agreement and Disclosures, which we received from the local branch, governs the issue. According to page 25 of that document, BofA reserves the right not to ... adjust ... for ... deposit errors. If the renters check was erroneously drafted, BofA compounded that problem by reporting the check as properly drafted for 24 days, then changing its position and damaging us by {$2400.00}, We can provide documentation if necessary.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

The Coinbase company states it has completed a payout to me of {$210.00} to my bank XX/XX/XXXX, which would be estimated to be in my account by XX/XX/XXXX. 

I have not received any money, email, or response to my 10+ email requests sent in to resolve the issue.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I have tried to contact the company ( Nordstrom ) in regards to a wrong reporting of 2 payments. It was on automatic payments and they failed to accept the payment on time. Back in XXXX and XXXX XXXX they reported on my credit report that they were late yet have not been able to provide evidence to validate i the consumer is at fault. I have requested for them to removed these false accusations and have not been taken into consideration.
Consumer complaint received 2018-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC. (NJ)

Re : XXXX XXXX, XXXX XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern : Please be advised this is a letter I sent to XXXX XXXX XXXX  regarding their foreclosure against my mother : You have sent my mother paperwork to explain why XXXX serviced by XXXX should not foreclose on her property referenced above. As previously explained to you months ago in the attached letter, my mother is the victim of elder abuse. She is currently residing in XXXX XXXX XXXX XXXX NJ in the XXXX XXXX. As previously explained to XXXX and XXXX, I recently discovered that my brother, XXXX XXXX, has been victimizing my mother for several years. He has drained her bank accounts. This matter has been referred to the XXXX County, NJ prosecutor 's office, and they have taken the case. 

If XXXX had exercised even the slightest diligence, the above referenced loan would not have been originated. If XXXX had run a credit check on XXXX XXXX, XXXX would have discovered that XXXX XXXX has been defrauding creditors for years. I discovered that he ran up debt on my mother 's credit cards, then took out this loan against her property to further defraud the credit card companies and XXXX. 

XXXX has asserted that it was relying on a valid Power of Attorney issued to XXXX XXXX. However, my mother revoked the POA given to my brother because she issued one to me after the one given to my brother. Therefore, any actions taken by my brother under the POA were invalid. Again, if XXXX had done any diligence on my brother, XXXX would have discovered his credit history. A copy of the POA issued by my mother to me is enclosed. You will note that it is dated after the one issued to my brother. Please note that on information and belief, my brother has fled the country. In addition, he is over $ 17K behind in his child support payments. 

I have put her house up for sale. She needs the proceeds from the sale to pay for her care in the XXXX XXXX. XXXX 's fraudently originated loan will leave little if anything to pay for her care in the XXXX XXXX. We would hope that XXXX would see fit to investigate its origination decisions and practices related to this matter. In addition, we hereby request copies of all recordings relating to the origination of the loan as well as copies of all documents related to the decision making and underwriting documents related to this loan. 


I would appreciate your help in pressuring XXXX XXXX XXXX with restitution for this matter. " I believe that XXXX has engaged in predatory lending with respect to my mother 's loan and together with XXXX has engaged in unfair, deceptive and abusive practices in violation of both federal and state law. Such lack of diligence in the origination with the intent to take the assets of a defenseless elderly woman are beyond the pale of decency. '' Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX