davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RGS Financial, Inc. (NV)

About three months ago I opened a Email saying that there was a problem with my account with XXXX and that I need to sign on my account to verify my balance and other things, my BIG error was that I clicked on a link on that same email and tried to log on my acc. obviously they collected that info and on that moment a message appeared saying that I could not sign on a show me some challenge questions, still I could not sign in because it was not a real website, OMG, that was how they got a hold on my info and identity, I do n't know at what extent o how much info they could get. now, today XXXX/XXXX/2015 I got a account statemen from RGS Financial Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX. XXXX XXXX XXXX, stating that I owe XXXX, RE : XXXX XXXX {$150.00} Dls. demanding its payment, and I am scared because I feel that this is only the beginning, XXXX knows what else they will be trying, so here I am on my knees praying to XXXX and you guys to help me as much as you can. thank you for your assistance. 
P.S. I was always on time with my payments to XXXX XXXX XXXX and never received any notice of delincuency on my payments. thanks.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

In 2019, during the height of the COVID-19 pandemic, I faced severe financial hardship due to the widespread economic impact and loss of employment. Given the unprecedented circumstances, I believed that credit reporting agencies and creditors were instructed to provide leniency and not adversely affect credit reports for accounts impacted by the pandemic. This belief was based on the understanding that the CARES Act and similar protections were in place to prevent negative credit reporting during such a crisis. 

At the time, I did not anticipate that my account would be reported negatively. I assumed that the credit reporting agencies and creditors were adhering to guidelines to protect consumers during this period. Consequently, I did not take further action to dispute the account, as I believed that the situation would be handled appropriately given the widespread financial struggles caused by the pandemic. 

The account in question was reported with late payments and a vehicle repossession. I am now seeking correction of this information to ensure it accurately reflects the impact of the pandemic and the protections afforded under the CARES Act.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2015-12-30
Product: Credit card — 
Issue: Bankruptcy — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XXXX customer service on chip XXXX XXXX affinity cards with chips disputes overdrafts interest rates and credit lines and crime victims of identity theft tied to other affinity cards like wounded warriors and XXXX XXXX XXXX XXXX and XXXX XXXX venture when ofac deposit bases are concerned
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2023 after setting my rewards to Home Improvement, which includes Appliances, I purchased an appliance using my Bank of America credit Card for {$860.00} From XXXX XXXX XXXX, IL. 

Few days later I noticed a 1 % had been given as a reward versus 3 % that was advertised ( which should be {$25.00} ). I called BOA on XX/XX/2023. The Service Agent told me I needed to go talk to the store on why they are using the wrong merchant code. No offer on a resolution, nor any sort of review of the account to confirm. I refused and requested the ticket to be escalated. The agent told me the ticket had been escalated and I would be contacted by a manager within 48 Hours. No call has since been received. 

on XX/XX/2023 I contacted BOA through XXXX, where I was told similar information. I also requested escalated resource on XX/XX/XXXX. I followed up on XX/XX/XXXX with no response. 

I have now reached out to the CFPB regarding this issue. 

I don't care if the store used the wrong merchant code. The fact its an appliance store should be enough evidence for a credit on the account. I don't need you to adjust the reward statement, but give a credit on the card statement for the remaining {$17.00}. 
BOA Should stand by its customers. Stop passing the buck. Stop making excuses. Stop hiding. Stop avoiding your customers. Honor your promise. Honor your rewards. Honor your dedication to customer service. Recognize it's more profitable to offer goodwill credit to a customer rather than die on this hill. The frustration should not be on a mom and pop store for setting the wrong merchant code, but rather the Credit Card company should recognize this was in error ( even if it's on the merchant side ) and offer a statement credit as goodwill to a customer. Also support agents should honestly have employee empowerment to offer some credit similar to what other companies can do. 

I request an account credit of {$17.00} on my BOA credit card ending in XXXX
Consumer complaint received 2015-06-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Partridge Snow & Hahn LLP (RI)

Patridge Snow and Hahn represented a debt that was being claimed for collection by them. They claimed to be XXXX XXXX XXXX XXXX, as their basis for collection, but never offered authentication when asked what executive at XXXX XXXX hired them, if any. 
Patridge Snow and Hahn may be a law firm, but it was XXXX XXXX who threatened me, He reused to provide debt validation to me, XXXX XXXXTheir debt collection abuse was terrible to me and my family.The harassment was /is unbelievable and they claim ownership of the note to my house and will not show any evidence.
Consumer complaint received 2023-10-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NE)

I paid the entire balance on my card on XXXXlXXXX XXXX XXXX, one day before the due date. I was notified that there is a delinquent notification on my credit report. When I looked it indicated XXXX Comenity credit card. Seven days after I paid my balance they charged me {$20.00} interest and I had no idea until this notification came in. It indicates in the " how to avoid interest '' section of the attached statement that if you pay by the due date, you avoid interest. I paid the balance in full by due date, yet they charged me interest and have since charged me multiple late fees and additional interest. When I call them to take care of this, there is no way to speak to a person. The only options is around making payments or making a promise to pay, etc... when I say " speak to an agent or representative '' it will say it is transferring the call but then goes to a message that you must dial a ten digit number and you need ti try again. I have tried this more than 10 times and I am never able to get through.
Consumer complaint received 2019-03-25
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: Credit Protection Association, L.P. (LA)

I check my credit monitoring service on XX/XX/2019 and found a negative collections account for a XXXX XXXX bill. That I never had open or authorized to be opened. I have been living in the same property for years and have my internet cable services at this present time. That service was not my service or account.
Consumer complaint received 2018-10-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (DE)

I traded in a car as a down payment ; on a XXXX used car an everything was fine.The guy that sold me the vehicle at XXXX XXXX XXXX  ; Said XXXX XXXX would finance the car. An your payments would start XXXX ; XXXX ; ; XXXX. He said they would contact me to setup payments.Three months past still haven't hered anything ; Turns out they got my address wrong when they submitted it to XXXX XXXX so my billing was going to someone else an before I new it they came on my job to take the car as repossession. I never made a payment because the billing was going to another address.Now I have proof they got the addresses mixed up an they still won't return the vehicle trade in or compensate me for their error or mix up.I have all the proof you need on paper that it was a mix up.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 

These inaccuracies are preventing me from buying a house for my family, purchasing a car so I can be mobile and have some independence.
Consumer complaint received 2019-03-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I dispute the amount owed by me to Select Portfolio Servicing on behalf of XXXX Bank XXXX XXXX XXXX for the benefit of the holders of the XXXXXXXX XXXX XXXX XXXX Mortgage Backed Notes. 
After several attempts to get information on this actual trust I still do not have it. 
Select Portfolio Servicing seems intent on foreclosing on my property rather than giving me the correct information I need to get out of this situation. 
There is a foreclosure date set for XX/XX/2019. As of today XX/XX/XXXX they are refusing to extend the date of the foreclosure even though there is and open dispute concerning this trust that my loan is a part of. 
I dispute this foreclosure date as well demanding they extend the date so that I may react time to react to the information they give me on this trust. 
I have interested parties in the property and can avoid a foreclosure on my record if this date is extended and I am given the correct information that I seek from Select Portfolio.
Consumer complaint received 2023-10-15
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: EQUIFAX, INC. (FL)

as my lawful and rightful consumer declaration of recently and currently discovered items with probable fraud that are not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting status ' as reported when reported. 
Furthermore, this compte rendu serves as my consumer 's rightful demand for a sufficient investigation/reinvestigation into every part of any delinquency and or disparaging data charged of me to ensure the sufficiency of lawful reporting!
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). I have not opened any new accounts in years and they are reporting an open date on several  accounts on XX/XX/XXXX. I have made several attempts and disputes to get this resolved to no avail. No account has gone delinquent or open on XX/XX/XXXX for me, they are restarting a debt clock. My last payment to XXXX XXXX was XX/XX/XXXX.
Consumer complaint received 2018-10-19
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. Some items have come off however there are more that are not mine and has not been removed.I am doing this on my own behalf and really need help to get these items off my credit report.XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX Experian : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX : XXXX Experian : XXXX XXXXXXXX  : XXXX, XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I s cheduled a payment of {$380.00}, payable on XX/XX/2019, from our joint checking account at XXXX XXXX, R I. to Bank of America 's VISA Signature credit card. 

However, instead of {$380.00}, the Bank of America debited my XXXX Checking account {$38000.00}, that is, 100-times the amount owed -- that is, {$37000.00} greater than the amount owed! 

I discovered this egregious error on XX/XX/2019, a XXXX. 

On XX/XX/XXXX I personally reported this egregious error to my personal banker at XXXX XXXX, XXXX, RI, but she directed me to the Bank of America. I brought this to the attention of Mr. XXXX at the Bank of America on XXXX XXXX, XXXX, RI. However, since the credit card was in my wife 's name I was asked to have her go personally to the Bank ; she did, and met with a banker the same day, XX/XX/XXXX, but at the branch on XXXX XXXX, XXXX XXXX, RI. The banker phoned the card 's customer service # for a resolution of the egregious error and refund the overdraw to our joint account. 
However, as of today, XX/XX/XXXX, the excess amount withdrawn from our joint account has not been credited. This is totally inexcusable.
Consumer complaint received 2019-03-25
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. (PA)

There was a 30 day late reported with a line of credit in XX/XX/2019. I spoke with someone in the bank who advised me to dispute it and I was told that it would be updated as current not late. When disputed with the credit card bureaus the issue was never updated properly or resolved. This is a Line of Credit with XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-07-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Initially discharged in Bankruptcy. Account not paid late. Made arrangements with XXXX XXXX before splitting to Navient and was paying. Instead of reporting payments Navient reported me late damaging my credit and that of my co-signer which is a US Service Member XXXX XXXX.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-03-22
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)

I checked my credit score and was shocked at the amount of unknown fraudulent accounts that were showing on my report. I was not sure how my report was compromised, but after performing some investigation, I became aware of my information being involved in several credit bureau breaches. Additionally, there are a few addresses on my credit report that are not associated with me. I am not sure how these addresses and breaches may have affected my report, so I decided to contact the credit bureaus for a more thorough investigation. I have not heard a response as of yet.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-10-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mercedes Benz Financial Services (FL)

The car was repositioned by Mercedes benz financial services on XX/XX/2018, the required payment was made on XX/XX/2018 via XXXX XXXX as requested which they were only able to locate after 8 days, meanwhile the new payment kicked in and they had me pay it even before the deadline date for the regular payment. payment was made same day on XX/XX/2018. they promised to sign the release same day. its XX/XX/2018 and non of the managers is on their desks according to the agent. XXXX the supervisor and XXXX the team leader are the only two can sign the release and they were never on their desks for 2 full days, so many voicemails left and still no response. 

I'm hurt, not able to work, my car is my source of income and i feel this team is attacking me personally. i seek help