davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Start Connecting dba USA Student Debt Relief (GA)

On XX/XX/XXXX the USA student debt relief company posing as a legitimate student debt forgiveness company, took out my personal information, such as my email and password to enter my studentaid and manage my account, thus making me believe that thanks to them and for contacting them they were going to forgive me the student loan up to XXXX XXXX dollars, that I only had to make an initial payment of {$120.00} for XXXX months until month number XXXX I would pay for XXXX months plus {$9.00} dollars, fraudulent arrangements of XXXX  dollars that would go to their pocket.
Consumer complaint received 2022-03-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I bought out my leased vehicle last year and the dealership that I went through XXXX of XXXX XXXX used capital one banking for the loan. Neither the XXXX dealership or Capital one bank ever mentioned setting up any form of payment so to my knowledge my payments were still on auto pay through the dealer as I was never informed otherwise. I have like I said never received any form of contact by the bank either by mail, email, phonecall, not even a welcome letter. Fast forward I Come to find out I was 50 days past my payment due date and only found out because I received a credit report saying so. Mind you Capital One has yet to contact me. Nor the dealership even after 50 days of being late.. To my knowledge my payments were being paid automatically. I Immediately paid the total fees upon finding out and filed a dispute with Captial one sending them two letters and a fax addressing the issue a little over a month ago and still haven't heard from them. This is complete negligence. Pure unprofessional malicious Neglect. This company should be held accountable. I even filmed the entire conversation with XXXX when I bought the car and was only told when my first payment was due nothing else. No setting up of payments or anything. No contact even as of now from either the bank or the dealer. Am I missing something here?
Consumer complaint received 2022-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

Due to the pandemic my XXXX XXXX  membership was no longer open for business. I physically went into XXXX XXXX  and canceled my account and also insisted that they notated my account as closed. I have not used the facilities and moved out of state. I have received a collection notice from a law office requesting {$360.00} and collection for a XXXX XXXX. Acct : XXXX. Upon closing my account, there was no past due nor upcoming bills to be in-cured. Please stop this fraudulent attempt to collect debt. I am a XXXX veteran and I feel taken advantage of at this point. Please help me
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BMO Bank, N.A. (IL)

I have been targeted in FRAUD. I received a letter of Insufficient funds/returned items from BMO Harris bank . I did not have an account or opened an account with BMO Harris Bank. I wasn't aware that an account was open in my name until I received this statement of insufficient funds. The fraud amount was {$1400.00} with the balance amount of {$1800.00} according to BMO Harris records. This is FRAUD. This person should be Penalized... Please Advise.
Consumer complaint received 2022-03-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I Was taking advantage of due to malpracrice while several laws have been broken under the FCRA by your company.This has caused me financial injury and deformation of character. This is preventing me from applying for credit and getting loans
Consumer complaint received 2022-03-14
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing, Inc is the current servicing company for Account Number : XXXX, and I would like to know the name, phone number and address for the OWNER of this loan. I would also like to DISPUTE some charges that has been applied to this account. I spoke with a representative today who refused to release the name of the lender that owns the account.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I filed bankruptcy in XXXX. My mortgage with XXXX XXXX was not included in the bankruptcy, I continued to my on time monthly payments until XX/XX/XXXX. I paid the loan off in XXXX of XXXX. I have a lien release letter from XXXX XXXX and a Certificate of Satisfaction letter for this loan. 
XXXX XXXX, stopped reporting my payments to the credit bureaus in XXXX, as if it were part of the bankruptcy. The account is still open and shows the amount on the loan in XXXX ( XXXX} ). 
My credit report should reflect all payments made through XXXX of XXXX, and then closed in XXXX of XXXX. As, again, I made all on-time monthly payments through that date with no acknowledgment.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (NY)

I had put money into a transportation reimbursement account through XXXX, my old job 's payroll vendor, which was managed by Optum Bank. I had {XXXX} left in the account when the firm I worked for shut down. At some point in XX/XX/2021 Optum Bank said they had returned my money to my old employer, but my old employer no longer existed. I have tried multiple times to get a straight answer about where my money is and have never received one. I followed up with XXXX and they said that the money was irretrievable.
Consumer complaint received 2022-03-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I submitted a dispute to XXXX, Equifax and XXXX regarding a late payment on my XXXX XXXX Account. The dispute was submitted on XXXX XXXX and continues to come back verified. Each creditor is in violation of the FRCA,. At this time the item continues to report the account as 30 days late in the year of 2020.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Bureaus, Inc. (OH)

For the one collection This account is not me, I never received notification of the debt, the original creditor never responded and I have moved from address they claim they sent collection to or original creditor sent bill notice to, Please remove this collection from my report as it is both predatory and inaccurate in the times of the coronavirus pandemic Thank you XXXX XXXX
Consumer complaint received 2022-03-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

In XX/XX/XXXX I went on forbearance with US Bank because I was laid off due to Covid. I began talking with US Bank in XX/XX/XXXX to begin the resuming my mortgage payments. I was told that I was in a plan, it was unclear as I did not select it. Every month I called and was told everything was ok and it was. After discussion they said they had to cancel the current plan ( not clear what it was ) to put me on a new payment plan. That plan was described that the payments would go onto the end of the loan. They wanted me to start payments in XX/XX/XXXX. I paid XXXX by phone but there is no record of the payment. I was told I could make a payment any day of the month. The XXXX payment was made on XX/XX/XXXX for {$860.00} but US Bank does not show it as paid. I made 2 payments on XXXX XXXX ; 1 for XXXX and the other for XX/XX/XXXX. The payments cleared my bank on XX/XX/XXXX for {$850.00} and XXXX XX/XX/XXXX for {$830.00}. US Bank does not show these as paid. On XX/XX/XXXX I became aware when I met with US Bank mortgage loan originator XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX branch that my loan was sold to XXXX XXXX XXXX She looked for my missing payments but was unable to find them. She said she had never seen anything like this at US Bank. XXXX XXXX XXXX has no record of the payments. I am shown as being delinquent in payments that I made that no one can locate. XXXX XXXX seems to be moving towards foreclosure but speaking with them is nearly impossible. I did manage to speak with XXXX XXXX on XX/XX/XXXX. She said my loan was " in flight '' so they did not have access to the information but I was not to worry. On XXXX XXXX, XXXX I made a payment via phone for {$830.00}. XX/XX/XXXX I called to be sure my XXXX payment was on track. I spoke to a XXXX who said my payment was returned on XX/XX/XXXX, I do not know why. I said I have the funds and would like to pay it but he advised me not to as it would only go to the end of my debt. One of the two banking systems has {$2500.00} that I paid in good faith.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

my former brother in law and co worker XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (FL)

this deb company wants to charge me for a service iam no using for, iam no bringing my pet there anymore and i dont have any amount pending to pay, all my payments whats made and discharge, and i cancell this wellness program few months ago, and now they said there i have a contract with them when i never hear or see this before, please i need help with this.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WY)

I have a collection on my credit report identified as XXXX XXXX. This account was transferred to a company called XXXX  and later to a company referred to as XXXX. In the process of buying my home we attempted to pay this debt and contacted all three companies and were told my file did not exsist. We did dispute the account with all three credit bureaus with all three saying the debt was valid. We disputed three times asking for proof of debt for information on how the debt was validated and got no response from on bureau other than the debt was valid. To close on the mortgage our lender said the debt must be paid so under direction of XXXX they said the debt would be deleted from my credit report once a check was sent to a company called XXXX. XXXX did provide us with a file number after multiple phone calls. After waiting for a significant amount of time we called XXXX  to see when this trade line would be removed from my account their response was we cant find that fine so we dont know what happened to the check and we dont know how to have it removed. Therefore we have paid a debt with an agreement to have it removed from our credit report asked yo have the debt validated along with five others on our report and not a single one to this day has been validated by a single person we have requested this from. So we are requesting this trade line that has been paid be removed immediately and the five others that they can not validate be removed as well.
Consumer complaint received 2022-03-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (DC)

I have been calling Kia Finance for a month and a half now trying to get my funds applied correctly. I purchased an extended warranty and a maintenance package on my new car in XX/XX/2021. I found out that I could only use the maintenance package at the dealer it was purchased from and since I no longer live in the state I requested a refund on it. I also requested a refund on the extended warranty. The dealer sent both refunds as one check and instead of sending it to me. Kia applied it to my principal. When I called and asked why it was not sent to me directly. I was told they do not refund warranties. I explained the entire payment was not a warranty and was told they would request to reimburse me. Here we are a month and a half later and I am being told different things every time I call. First I was told they could apply the warranty refund to my upcoming payment and reimburse me the balance. Now three days before the payment is due, Im being told they will not do that. I keep asking where in my contract it says they apply refunds to the principal and no one can tell me. I have been told now by XXXX and XXXX alleged supervisors that the policy is its applied to the principal. Their policy means nothing if its not in my contract. I have spoken to roughly 8-10 different representatives and each one has told me they would have the maintenance package refunded to me and the balance applied to my payments for the next three months. If I am still making payments on the contract, then the funds should be applied as I request.
Consumer complaint received 2022-03-14
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 (PA)

I recently submitted a cease desist to D & A Services. Stating in my demands that I am refusing to pay the alleged debt and to stop communicating with me through all mediums. D & A services are still contacting me without the prior consent per federal law states 15 USC 1692c ( a ). D & A services are damaging my reputation. D & A sent me false and deceptive forms. In that deceptive form they used obscane and profane language. They are coercing me to pay this alleged debt that I stated in my documentation that I am refusing to pay. In that file I also stated to cease communication with me and to answer questions and return it back to me. This company is operating under a different name pursuant to 15 USC 1692e ( 14 ). They sent me a false and deceptive form stating that Bureaus investment group XXXX XXXX XXXX is the current creditor so who is D & A Services? This is identity theft the original creditor never stated in the contract that they were doing business with D & A Services. Now this debt collector have my private information and my location abode without my permission. I recently was in the hospital XXXX XXXXXXXX XXXX due to these creditors selling my private information without my consent. I am out of work due to my XXXX XXXX. I can't even apply to jobs because this information comes in a public data. D & A services are civilly liable for willful non compliance with the federal law pursuant to 15 USC 1692k and 15 USC 1611. Please see attachment.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting XXXX account number # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602A- States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2- States a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (KS)

I have had multiple issues with Wakefield and Associates. They furnished incorrect information to my credit report. Each time I have attempted to reach out to them to gain insight into the debt and also where they got their information from so that I can dispute what is incorrect I have been met with walls. They reported an account to my credit which I have no knowledge of. When they did so they also reported an incorrect address for me that is now indisputable from my credit. When I spoke to multiple agents at the company to try and inquire about the debt I was told that there was skip tracing run on the account they claim is mine ) but they wouldnt provide the name of that agency so that I could request a report and dispute incorrect information. This happened with multiple agents and I do have the calls recorded. For that account in question they also have completely impossible dates and amounts given to XXXX and XXXX which is why I say I have no knowledge of them. Over the course of XXXX  I sent multiple letters requesting validation of the debt which they claim to not have received. This is due to them refusing to provide me any place to send mail other than their po box and as such I have no way of certifying how received the requests on my behalf. This is a common stall tactic among unethical unscrupulous debt collectors as is all of their previous refusals of my lawful requests.

I spoke with them one last time to try and tell them if they didnt adhere to law I would send them a cease and desist as I have no possible way to work with them in an ethical manner, and on that call also recorded the gentleman told me thats ok well just let it sit and continue damaging your credit and report additional accounts well I still tried my best to get the information out of them I needed such as the address of their registered agent to have them served with my suit as well as the names of the agencies they used in conducting a consumer report about me and an address to receive certified mail given the nature of the circumstances. All requests were declined. Then on XXXX they reported a new account to XXXX, XXXX, and XXXX so they made good on their threat due to the requests I was making. On top of that the account has incorrect information as well as personal information I already disputed to the company directly on a recorded call. 
They violated my rights under law many different ways there and there are too many statutes to cover in this space.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX / XXXX XXXX 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 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 an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same. There are inquires on my credit report that do not belong on there, according to 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) In Section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I did not authorize or give CONSENT to anyone employed by the this company to make any inquiry and view my credit report. Further more I did not GIVE any kind of instructions to report this ALLEGED inquiry on my credit file. 15 U.S.C. 1681b ( a ) ( 2 ) PERMISSBLE PURPOSE OF CONSUMER REPORTS I did not give any written permission for these companies to place inquiries on my credit report this is not right ... FDCPA Section 807 Violation Misleading False deceptive, or misleading representation or means in connection with the collection of any debt. The account must be removed!
Consumer complaint received 2022-03-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Letter sent XX/XX/2022 a formal complaint to XXXX Transunion and XXXX for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.