davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-21
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: Experian Information Solutions Inc. (NV)

I have been disputing a account on my credit report from XXXX with Experian Credit Reporting Agency. XX/XX/XXXX XXXX i sent a letter to Experian Credit Reporting Agency certified and XXXX certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. This account is reporting negative with a XXXX balance. How can a account report negative with a XXXX balance? .They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.
Consumer complaint received 2018-04-21
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. (IL)

Navient has disabled the Custom Pay option for me giving me a technical error everyday time. Ive been making 2 or 3 smaller payments a month and put in as much as i can but now they have disabled that option as well. Their employees are getting nasty on the phone as well and will hang up the phone occasionally before the conversation has ended. Can something be done about this?
Consumer complaint received 2018-04-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

New mortgage company we have, Freedom Mortgage, took over mortgage on XX/XX/XXXX. They said we need flood insurance even though our neighborhood is elevated and built on sill. Was told to get flood insurance in 45 days or they would buy it for me from their own insurance company -- and promised it would be expensive. They also said they would not accept an elevation certificate, but a LOMA from FEMA which can take over a year to get. The Flood Plain manager for my city said that is ridiculous -- LOMAs are based on the elevation certificate. There is no way to get a LOMA in 45 days.

I bought flood insurance in the meantime. Thought that would be the end of it. It takes 30 days for flood insurance to be active. I get another letter on XX/XX/XXXX that reads, and I quote : " We will charge you for insurance we plan to buy for XX/XX/XXXX to XX/XX/XXXX '' and that the insurance they buy " will cost an estimated {$570.00}, which may be significantly more expensive than insurance you can buy yourself ''.

HOW can you buy insurance retroactively??? When I asked my flood insurance company if I could buy insurance for months already passed, they told me it was illegal.
Consumer complaint received 2024-09-30
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Mercedes Benz Financial Services (PA)

I am filing this complaint regarding my Motor Vehicle Lease Agreement with Mercedes-Benz Financial Services USA LLC XXXX XXXX XXXX ) XXXX entered on XX/XX/year>, concerning account # XXXX. Upon reviewing the agreement, I discovered a missing required disclosure under Section XXXX : Requirements as to Contracts and Separate Disclosure, XXXX The contract fails to include the statement : Keep it to protect your legal rights. 

This omission violates several consumer protection laws, including the Pennsylvania XXXX XXXX Sales Finance Act ( XXXX P.S. XXXX ( XXXX ) ), the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( XXXX P.S. XXXX ( XXXX ) ( xxi ) ), and sections of the Uniform Commercial Code ( UCC ). The failure to provide full and accurate disclosures constitutes unfair and deceptive practices. 

Additionally, XXXX XXXX has an active securitization program for retail auto leases, which should comply with federal and state consumer protection laws, as noted in their XXXX ( Prospectus ). I believe XXXX XXXX has failed to meet these compliance requirements in my case. 

To address these issues, I have formally requested documentation related to the securitization of my lease, including details on the trust pool, collateral pledges, and endorsements for insurance coverage. I also wish to modify the lease by revoking the security interest ( Clause XXXX ), XXXX of Attorney ( Clause XXXX ), and vehicle location consent. I am attaching a notarized Revocation of Power of Attorney for XXXX XXXX. 

Should XXXX XXXX fail to comply with these requests, I will escalate the matter to the Pennsylvania Attorney General, Office of the Comptroller of the Currency ( XXXX ), and the Federal Trade Commission ( FTC ). I am also seeking my vehicle title to be sent to my address at XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX. 


Below are the securities underwriters associated with MBFS XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX Floor, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Floor, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX Floor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Bread Financial Holdings, Inc. (CA)

I purchased a {$5.00} dollar item on XXXX, I thought I paid by PayPal, which I usually did and paid with my own bank account linked. However, next day I got a call from XXXX XXXX  ( my credit monitoring tool I use ) regarding my hard inquiry activity. I checked the hard inquiry company, it is PayPal Credit, they opened an account with my {$5.00} dollar balance without my consent, and requested a hard inquiry on my credit profile. What in the world would I open a credit account with {$5.00} purchase? So I called them to close my account right away the next day. I requested to remove my hard inquiry on my profile, they told me to fax over my information. I did fax over. I asked to confirm if they receive my fax, the customer service replied 1 week later, told me they did not receive my fax doc and informed me to fax to different fax #. I am not happy with the speed of their customer service and why did you tell me to fax to one number, then to different next week.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX EQUIFAX CONTINUES TO REPORT FRAUDULENT INFORMATION ON ADDRESSES THAT DO NOT BELONG TO ME AND WHERE THOSE ADDRESSES WHERE USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. NEVER HAVE I LIVED AT THESE ADDRESSES ON MY CREDIT REPORT EXCEPT FOR MY HOME I'VED LIVED AT SINCE 2004. THIS IS A TOTAL INCONVIENCE OF THE INACCURATE REPORTING AND THEN BEING ON THE LIST OF THOSE MILLIONS AFFECTED BY THE EQUIFAX DATA BREACH. THEY REFUSE TO CORRECT THEIR ERROR AND MAKE THINGS RIGHT. I HAVENT BEEN ABLE TO RECEIVE AN UPDATED EQUIFAX REPORT AS REQUESTED. IM TIRED OF ALL THE SHENANIGANS DEALING WITH EQUIFAX THATS WHY IM FILING THIS WITH YOU ALL AND MY NEXT STEP IS THE FTC AND THE XXXX AND THE ATTORNEY GENERALS OFFICE IN XXXX GA TO GET THESE MATTERS RESOLVED.
Consumer complaint received 2018-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Medical Data Systems, Inc. (LA)

On Thursday XX/XX/XXXX after coming home from work the US Marshalls were waiting at my house to XX/XX/XXXX me. once we arrived at the police station and my mug shot was taking they informed me that Medical Data Systems Inc had filed a law suit against me for a medical bill that allegedly belonged to me from XX/XX/XXXX with XXXX XXXX XXXX. I notified them them that i have had medical coverage thru medicaid consistantly since XX/XX/XXXX. Being that i have had full medical coverage since XX/XX/XXXX this bill should have never been sent out to me nor any collector account. I understand that under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacyand medical records from third parties. i do not recall giving permission for them to releasemy medical information to a third party. i am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with patients authorization. therefore my request is twofold, validation of debt and HIPPA authorization. Please send this information to my address which i am allowed under the FDCPA. Please not that withholding this information you recieved from any medical provider in an attempt to be HIPPA complaint scan be a violataion of the FDCPA because you will be decieving me after my written request.I request full documentation of what you recieved from the provider about this alleged debt. 
Additionaly, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to see damages from a collection agent. i will await your reply with above requested proof. i will also need the name of the person providing this data, and the way it was provided in order that i may pursue additional legal remedies if needed. if you can not obtain the infortmation from the origianl creditor along with proof of me having medical insurance within the requested time frame. ( 30 days ) please delete this account from my credit report.
Consumer complaint received 2018-04-21
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: EQUIFAX, INC. (TX)

IN REGARDS TO EQUIFAX : XXXX. XXXX  XXXX XXXX GA XXXX I CAN'T CLEARLY UNDERSTAND HOW LONG THIS DATA BREACH COULD POSSIBLY BE GOING. THIS ADDRESS DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX DOES NOT BELONG TO ME AND I HAVE NEVER LIVED AT THIS LOCATION YET EQUIFAX REFUSES TO REMOVE IT WHEN I HAVE LIVED AT MY CURRENT ADDRESS SINCE XX/XX/2004 WHEN MY HOME WAS BUILT. 
EQUIFAX DATA REPORTING IS TRULY FRIVIOULOUS AND SOMETHING NEEDS TO BE DONE ABOUT THIS AGENCY AS THERE NEEDS TIGHTER GOVERNMENT RESTRICTIONS PLACED INTO ACTION ON THEM. I DON'T KNOW IF THIS ADDRESS IS LINKED TO A FRAUDULENT ACCOUNT THAT IS REPORTING ON MY REPORT BUT IT NEEDS TO BE REMOVED ASAP.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NV)

I have been disputing a account on my credit report from XXXX XXXX XXXX. On XX/XX/2018 i sent a letter to XXXX XXXX XXXX certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. i never received a response from XXXX XXXX XXXX within 30 days.They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.
Consumer complaint received 2018-04-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Pro ,LLC (VA)

I RECEIVED A DEBT COLLECTION NOTICE IN THE MAIL ON XX/XX/XXXX FROM DEBT RECOVERY PRO STATING THAT I OWE A BALANCE TO XXXX XXXX XXXX XXXX. FIRST OF ALL I DONT KNOW WHO IS XXXX XXXX XXXX SO I GOT ON XXXX TO FIND OUT WHO THIS COMPANY IS THAT STATES THAT I OWE MONEY. DOING MY RESEARCH ONLINE XXXX XXXX XXXX IS INTERNET PAYDAY LOAN. FIRST I HAVE NEVER BORROW MONEY OR APPLY FROM A COMPANY ONLINE FOR A INTERNET PAYDAY LOAN. SO I CALLED THE PHONE NUMBER XXXX. I SPOKE TO FEMALE AND I STATED THAT I RECEIVED A LETTER IN THE MAIL THAT I OWE MONEY TO XXXX XXXX XXXX   WHICH I DONT OWE. SHE STATED THAT THE COMPANY IS OUT OF BUSSINESS. THAT I NEED TO CALL WHO SENT ME THE LETTER. SO I CALLED DEBT RECOVERY PRO AT XXXX AND SPOKE TO A GENTLEMEN ON THE PHONE ABOUT THIS DEBT THAT I DONT OWE SINCE I HAVE NEVER APPLY FOR ANY INTERNET PAYDAY LOANS. HE ASK WHO I WAS AND MY LAST DIGIT OF MY SOCIAL SECURITY NUMBER AND THEN HE INFORM ME THAT I OWE THIS COMPANY MONEY SINCE XX/XX/XXXX. AS I EXPLAIN TO HIM ON THE PHONE I HAVE NEVER TAKEN OUT ANY PAYDAY LOAN ON THE INTERNET HE STATED THAT HE HAD MY EMAIL ADDRESS AND THAT I DO OWE THE LOAN AND THAT IF I DONT PAY IT BACK THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT AND HE WAS IN THE PROCESS IN FILING PAPERS. AS I STATED TO HIM MANY MORE TIMES IF HE CAN SEND ME WRITTEN OR A CONTRACT FROM THE CREDITOR WHICH HE CAME BACK AND STATED THAT HE HAD A DIGITAL BUT HE CAN NOT SENT THAT. HE STATED THAT ON MONDAY XX/XX/XXXX THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT. SO AFTER TALKING WITH DEBT RECOVERY PRO ABOUT THIS INTERNET PAYDAY LOAN I CALLED AND TALK TO VIRGINIA BUREAU OF FINANCIAL INSTITUTIONS ABOUT THIS MATTER. I STATED THAT I RECEIVED A DEBT COLLECTION LETTER IN THE MAIL THAT STATED THAT I OWE XXXX TO XXXX XXXX XXXX FROM XX/XX/XXXX AND THIS ACCOUNT WENT TO COLLECTION AND THIS LOAN IS INTERNET PAYDAY LOAN. I WAS INFORM THAT IN THE STATE OF VIRGINIA INTERNET PAYDAY LOAN ARE ILLEGAL SECOND XXXX XXXX XXXX IS NOT AUTORIZE TO DO BUSSINESS IN THIS STATE THEY DONT HAVE A LICENSE. THEY WERE SHUT DOWN BACK IN XX/XX/XXXX. I WAS ALSO INFORM IT WAS ILLEGAL TO PUT ILLEGAL PAYDAY LOAN ON ANYONE CREDIT REPORT. I ALSO STATED THAT THEY REFUSE TO SEND ME ANY DOCUMENT FROM THE COMPANY NOT FROM THEM THAT SHOWS WHEN THE ACCOUNT WAS OPEN, THE AMOUNT GIVEN. I WAS ALSO INFORM THAT ON INTERNET PAYDAY LOANS THE AMOUNT I WAS GIVEN IS DEFINELY A RED FLAG. SHE READ THAT ALL LICENCE PAYDAY LOAN PLACE IN THE STATE OF VIRGINIA THE AMOUNT YOU CAN BORROW IS UP TO XXXX BUT YOU ONLY BORROW MONEY FROM A BUSINESS NOT ONLINE SINCE ITS ILLEGAL. THE PHONE NUMBER THAT I CALLED WAS XXXX
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I paid the total owed on my credit card account and maintained making payments in a timely manner. I submitted notification to the company that I am an XXXX XXXX service member as of XX/XX/2017. As a result, I am protected under the SCRA act. However ; the company sent me notification that my account was closed based on my credit report. I feel they checked my credit report based on my race and because I am a service member. There was no reason to close my account as it was paid in full and I did not have a balance.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (GA)

This company Total Card keep charging me monthly fees when the account closed and i am in the debt consoldiation program. they didnt closed the account when i call to closed it they wait until account got so delinquient to closed the account. and the account is in the debt management program. XXXX XXXX XXXX XXXX take off money every month pay the creditor I been in the program since XX/XX/2018 my program made every month XXXX payment total card agreed from the proposal. and they still charging me a monthly I call them numerous times to age the account and reverse the fees they have refuses. they say I am late I am not am current on my account throught the debt program. They accept the proposal which means no fees at all.
Consumer complaint received 2018-04-21
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)

I wrote the following letter to XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from XXXX that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from XXXX. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.
Consumer complaint received 2018-07-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC (CA)

The company is D & A Services LLC. They're a debt collector. They called repeatedly and would leave voicemails. I called them and told them not to call me about this debt anymore, but they continued to call. I just received another call at XXXX. today, XX/XX/2018.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Utah Billing & Recovery Services (NV)

OnXX/XX/XXXX I received a letter from Utah Billing & Recovery Services on behalf of XXXX XXXX XXXX ( XXXX ) that a claim had been placed with their office against me for {$420.00}. 
In XX/XX/ I had ordered a tshirt from XXXX through their XXXX page for {$39.00}. I was not allowed to select a size. I contacted the seller via email and stated that I had placed an order and that I needed an XXXX and could they please contact me to verify they received my information. Several days went by with no response. I then tried calling the seller and the call would never go through as if the number was disconnected. Thinking I had been the victim of a scam I contacted XXXX since the transaction was through them. I explained the situation and they opened a case. That same day I received an email from the seller berating me for contacting XXXX. The seller threatened to have me charged with bank fraud and have my credit ruined. I responded that I wanted the merchandise and that I just needed to let him know the correct size. I did not hear back from the seller. About a week later I received a shirt in the mail. It was a XXXX not the XXXX I had asked for. The invoice stated " no size specified ''. At this point I was done with the issue and gave the tshirt away. Shortly after receiving the tshirt I was contacted by XXXX. They asked if II had received the item. I explained I had and though it was the wrong size I was done with the matter. On XX/XX/, according to my bank records, the {$39.00} was released to XXXX. XXXX closed the case on XX/XX/XXXX 
On XX/XX/ I received the letter from the above mentioned collection agency. 
I am reporting the collection agency for not verifying any information before taking a case against me. They have a responsibility to not take fraudulent cases from unscrupulous businesses. A quick internet search revealed that this is a common practice for XXXX. The collection agency could easily find this information as well.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Complaint Against XXXX for Failing to Complete Dispute Investigation Within XXXX Days I am writing to file a formal complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation of a credit report dispute. 

On XX/XX/year>, I submitted a dispute to XXXX concerning alleged debt. This dispute was submitted through Mail. Under the FCRA, XXXX is required to investigate and resolve disputes within XXXX  days of receipt. 

As of today, XX/XX/year>, more than XXXX days have passed since I initiated the dispute, and I have not received any communication from XXXX regarding the status or resolution of my dispute. This delay constitutes a violation of the FCRA and has caused me significant distress and inconvenience, as the unresolved issue continues to negatively impact my creditworthiness. 

I have attempted to contact XXXX multiple times to inquire about the status of my dispute, but have received no satisfactory response. Given their failure to comply with the statutory requirements and their lack of communication, I am seeking your assistance in addressing this matter. 

I request that the Consumer Financial Protection Bureau take appropriate action to ensure XXXX fulfills its legal obligations and completes the investigation of my dispute promptly. Additionally, I request that measures be taken to prevent such delays in the future, ensuring that other consumers do not experience similar issues. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.