davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against BAYVIEW LOAN SERVICING for unlawfully blocking my access to {>= $XXXX in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$190000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property.

Relevant Laws and Case Law : 1. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation.
2. Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

3. Truth in Savings Act ( TISA ) : The bank has further violate
d the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.
Consumer complaint received 2024-08-13
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)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, XXXX consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC. (OH)

ON XXXX AN UNKNOWN AND UNMARKED XXXX XXXX BACKED INTO MY DRIVEWAY AT HOME. I WAS ALERTED BY MY XXXX XXXX I WENT OUTSIDE IMMEDIATELY TO INVESTIGATE AND NOTICE A LARGE MAN TRYING TO TAKE MY VEHICLE. OVER THE LAST SEVERAL YEARS OUR NEIGHBORHOOD HAS HAD SEVERAL OCCURRENCES OF BREAK INS, CAR THEFT AND EVEN AN OLDER XXXX CITIZEN WAS XXXX XXXX IN THE LATE HOURS OF THE NIGHT. SO TO PROTECT MY HOME AND MY FAMILY I INSTALLED SEVERAL CAMERAS AND PURCHASED OTHER SECURITY ITEMS TO ENSURE OUR SAFETY. WHEN I ASKED FOR A CARD AND FOR THE GENTLEMAN TO IDENTIFY HIMSELF. THE GENTLEMEN BECAME PHYSICAL AS I TRIED TO BLOCK DRIVER FROM TOUCHING MY VEHICLE AND HE XXXX UP AGAINST MY CAR SEVERAL TIMES TO CONTINUE TO HOOK MY VEHICLE INJURING MY XXXX. AS THE ENCOUNTER CONTINUED, I CALLED XXXX DURING THE ENCOUNTER. BUT NO ONE ARRIVED UNTIL XXXX HOUR LATER. WHEN THE POLICE FINALLY ARRIVED, THEY TREATED ME LIKE I WAS A CRIMINAL AND PLACE MY HANDS BEHIND MY BACK AND SEARCHED ME FOR WEAPONS ON MY FRONT PORCH EMBARRASSING ME IN FRONT OF MY FAMILY AND NEIGHBORS LOOKING ON. THE [ POLICE ALLOWED THE XXXX  TO TAKE MY VEHICLE THAT SAME MORNING I HAD TO GO TO THE EMERGENCY ROOM DUE TO THE XXXX IN MY XXXX  FROM BEING XXXX AGAINST THE CAR AND HAS TO TAKE OFF WORK SEVERAL DAYS FOLLOWING EARNING NO PAY... WHEN I CALLED THE XXXX XXXX TO RETRIEVE MY PERSONAL ITEMS AND SET AN APPOINTMENT THE TOW YARD CALLED THE NEXT DAY STATING THAT I COULDN'T COME UP TO THE YARD AND STILL HAVE YET TO RELEASE MY PERSONAL ITEMS INCLUDING LICENSE PLATE THAT THEY HOLD STILL TODAY.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently investigated my credit report and there happens be items on the report that are inaccurate.

15 U.S.C 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-12-03
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: Experian Information Solutions Inc. (CA)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$150.00}
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-12
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: Resurgent Capital Services L.P. (TX)

After the dispute investigation every account in collections shows open, past due and reflects past due balances. I also show XXXX account was deleted however I dont know which account and during the dispute process XXXX has been sending collection mail, emails or text messages. 
I need a thorough investigation and validation from the buyer not previous statements of the old debt.
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (IL)

I purchased a vehicle from Carvana under the assumption that I would receive a seamless, hassle-free experience, as advertised. Carvana offered to deliver the vehicle to Illinois while registering it in Georgia, where my permanent residence is located. However, after the purchase was finalized, Carvana falsely claimed that they could not complete the registration in Georgia due to state restrictions, which I later confirmed with the Illinois Secretary of State as untrue. No such legal barriers exist. 

This misleading information created a series of complications and delays. My vehicles delivery was canceled twice without proper explanation, including one cancellation just a day before the scheduled delivery. Carvana provided conflicting information throughout, leaving me in limbo and unable to proceed with the registration and delivery as promised. 

Additionally, I incurred upfront insurance costs and had to pay the first month of insurance coverage even though the vehicle had not been delivered. I requested reimbursement for these costs, but Carvana has refused to provide a fair resolution.

To make matters worse, Carvana presented an ultimatum : either accept their terms ( which involved traveling to Georgia to accept delivery ) or face cancellation of my order. This coercive tactic left me with no fair options. Their refusal to fulfill their contractual obligations, combined with their attempts to mislead me about state regulations, has caused undue financial stress, wasted time, and significant inconvenience.
Consumer complaint received 2022-02-15
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: STERLING JEWELERS, INC. (MI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX are reporting inaccurate information on KAY JEWELERS with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$6100.00}
Consumer complaint received 2024-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees. 2. Verification that you are licensed to collect debts in my state. ( I need proof you can collect in Texas ) 3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt. ( Not received ) 4. A complete payment history, detailing all payments made and any credits applied to the account. ( Not received. Ask for complete payment history include credits ) 5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt. ( Not recieved )
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (DC)

I am submitting this complaint on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, a nonprofit, 501 ( c ) 7 registered organization who owns this Venmo account. The account was created in XX/XX/XXXX and has been run without issue until XX/XX/XXXX when Venmo requested identify verification on XX/XX/XXXX and actually verified identity ( see email correspondence ) accordingly, but still froze the account. As this is an organizational account, several users have had access over the past 4 years and it was unclear who was listed as the individual owner. Therefore, upon contacting Venmo on XX/XX/XXXX, they advised we could submit verification with a bank statement and the current Finance Director 's driver 's license. However, the account was again frozen after the verification was submitted for the second time on XX/XX/XXXX. Then, upon further contact Venmo advised the account owner is the only one who can verify, and were resent instructions to verify on XX/XX/XXXX. However, less than an hour after we received this email, another email saying the account is blocked from using Venmo and funds will be held for 6 months was sent to the email address on file. Still, we identified the account owner and submitted the documentation accordingly but have heard nothing back since. It has been over 2 weeks and we have a balance over XXXX in the account. We use these funds to operate in good faith in our community for service-related work and to pay our insurance. Without these funds, we are unable to pay our bills and continue our program operations. If there is any assistance that can be provided to access these funds so we may continue our work, it will be greatly appreciated. Thank you for the support in advance.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (TX)

XX/XX/year> the amount of XXXX by Pro Collect and was filed for dispute and it fell under FCRA requirements and they account was closed as well as XXXX XXXX XXXX, and XXXX automated collection but they are still reporting on my credit report. I have reached out to experian and transunion to get the matter resolved as well but they have done nothing.
Consumer complaint received 2024-08-13
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. (AL)

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protection consumer protected rights to my privacy and confidentially under 15 USC 1681.

Account Name XXXX XXXX Account Number XXXX Account Balance {$2000.00} Account Name XXXX XXXX XXXX  Account Number XXXX Account Balance {$19000.00} Account Name XXXX Account Number XXXX Account Balance {$140000.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Balance {$38.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy, 15 U.S.C. 1681 section 604 A. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ). 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 seven 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 2024-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (MA)

I bought a house and attempted to transfer {$300000.00} from my Marcus by Goldman Sachs account to my XXXX  XXXX XXXX account on XX/XX/XXXX, and the next day my account was locked. I reached out to customer service, and they promised a response within one business dayyet that never happened. I called again, and they told me they needed to verify my identity. I received a verification code on my phone, completed the verification process, and then the representative just hung up on me. When I called back the following day, I was informed, theres no way we could verify you. I asked what steps I should take to unlock my account, and they told me there was nothing they could do except wait. Called them again yesterday and they say " the review team is taking care of this, please give 1-3 days till they respond. My account has been locked for over a week now, Marcus did nothing besides kept me hanging! This is absolutely unacceptable. I have the house closing in two weeks, please help.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Debt Validation Request for Account Number [ XXXX ] Dear [ PORTFOLIO RECOV ASSOC ], I am writing in response to your attempt to collect a debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am requesting a full validation and verification of the debt you allege I owe. 

Please provide me with the following information regarding this debt : 1. The original creditors name and address.

2. A complete accounting of the debt, including the original amount and any fees or interest added.

3. Copies of any contracts or agreements that you claim obligate me to pay the debt.

4. Documentation that you are legally authorized to collect this debt in my state.

5. A copy of the original agreement or application that I signed. 

Until I receive the above information, I request that you immediately cease all collection activities and reporting to any credit reporting agencies ( XXXX, XXXX, and XXXX ). Please note that failure to comply with this request within 30 days will result in my considering your claim invalid, and I will take further steps to have this matter resolved, including disputing this account with the credit bureaus and seeking legal counsel if necessary. 

If the debt is validated, I reserve the right to request further information or negotiate a settlement. If you are unable to provide the requested information, I ask that you immediately remove any negative information regarding this debt from my credit report. 

Please respond to this letter in writing, and send your reply to the address listed above.
Consumer complaint received 2024-09-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I was a victim of identity theft and my information was used to create a store credit card at Home Depot. I called the company as soon as I received an account statement in the mail ( XX/XX/XXXX ) that I was not familiar with. The fraudulent charges on XX/XX/XXXX were from a Home Depot far away from my home and for {$3900.00}. I received no email or call from Home Depot about opening an account until I received an account statement in the mail, so this went unknown to me for weeks. 

I called the company XX/XX/XXXX and spoke to a representative and said that this was fraud and it was based on identity theft. After a few quick questions they said my case would be investigated. Over two months later and multiple calls to request status that were unhelpful, I received a letter saying that the claim was denied. The investigation process was extremely long and in the meantime, I am also getting late fee charges of {$29.00} on the account. On XX/XX/XXXX I called again to appeal this decision and I asked for any documentation of the application and this was denied. Also denied was any store video footage that proved my presence in the location. Security operations basically hung up on me when I asked to speak to someone who could assist, only XXXX XXXX XXXX were provided. Also no one informed me that I should send in supporting documentation such as an identity theft report or a copy of my driver 's license. Only after I asked many questions did they say that a ( fake ) driver 's license was used to open the account. I am in process of submitting the supporting information but the entire process of fraud dispute, investigation timelines, information shared has been done with zero transparency and zero protection for me, the consumer.