davidheineman/consumer-finance-complaints-large huggingface dataset:
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: BROKER SOLUTIONS, INC. (FL)

Consumer Financial Protection Bureau ( CFPB ) Subject : Account Dispute Against NEW AMERICAN FUNDING I am writing to file a formal complaint against NEW AMERICAN FUNDING due to the lack of response to a credit dispute letter I sent on [ XX/XX/XXXX ]. 

I am writing you this letter regarding payments that were marked late by your company for the ACCOUNT NEW AMRCN FU ACCOUNT NUMBER XXXX following accounts on the following date ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP. (NJ)

On XX/XX/2018 I was contact via email by the Manager XXXX XXXX of the Homesavers Government Program that my application for a Home loan relief and assistance that they will not be able to process or give any assistance for me being that I was not in a position to complete all legal requirements demanded by the government to display for their review to decide my approval for funds. 

During this process of being reassured by my current home loan provider XXXX XXXX .... the action requested of me by Ms. XXXX XXXX at the Housing Agency was totally impossible. 

I have another borrower on my existing mortgage that I havent seen or conversed with in many years nor was I able to provided a current address or produce a required signature of the additional borrower because that would mean I was in contact with such person. 

I informed Homesaver Government Program Ms XXXX XXXX that it would require me to conduct a entire refinance of my home to remove the other borrower to have the ability to complete all vital Government required documentation necessary to go forward and that wasnt possible because I was also unable to afford such a process even if it was possible. 
Nor was I able to produce other financial records also stipulated in the Government detailed document to become a participant that MUST be provided by all residents in the community. 

As I explained to this Programs Management and Ms. XXXX XXXX, and many others who authorized the continuation of processing incomplete documents and altering the stipulations at their own discretion ignoring the demand of the Federal Government to obtain housing funds is simply athat did not meet the required standards to do so. 

Unfortunately I was not giving any type of common sense reply or explanation. 

Therefore, the inquiry that impacted my credit report was legitimately unauthorized that resulted in a decline in my credit score, Also I was informed by management and Ms.XXXX  prior to the decision of there action to submit these documents that I would be declined. 

Which was absolutely wrong to even attempt to submit with full knowledge of the essentials needed to be approved.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (CA)

A debt validation letter was certified mailed to collector Radius Global Solutions and was delivered by courier on XX/XX/year>. No response has been received, and credit reporting has not been ceased. 

XXXX XXXX : XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC (PA)

XXXX is reporting incorrect information to XXXX. I've contact XXXX last XX/XX/XXXX and they sent a letter stating that the information will be removed from XXXX My latest report from XX/XX/XXXX from XXXX still shows the record that should have been deleted.
Consumer complaint received 2024-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I am writing to appeal Wells Fargo 's denial of my refund request for a XXXX transfer of {$1600.00}, which was made under fraudulent and coercive circumstances. On XX/XX/year>, I was coerced by an individual who falsely accused me of causing damage to his vehicle. Under duress and threats, I made three separate XXXX payments totaling {$1600.00}. Case # XXXX, XXXX and XXXX. ' A subsequent police review of my vehicles dash camera confirmed that the individual 's allegations were entirely false. It was also discovered that this suspect has a history of committing similar fraudulent acts. The police report indicated that he committed a crime under California Penal Code Section 532 PC/F/112 : theft by false pretense. 

I promptly reported this incident to Wells Fargo 's fraud department and the police within 24 hours. A Wells Fargo representative informed me that an investigator would contact me for further investigation. However, when I followed up with Wells Fargo on XX/XX/XXXX, I was advised that my case had been closed and my claim denied on the same day it was reported, XX/XX/XXXX. 

According to 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ), banks are obligated to investigate claims of fraudulent electronic fund transfers and provide remedies. Additionally, per Regulation E, Electronic Fund Transfers Error Resolution sections 3, 4, and 5, and Comment 1005.2 ( m ) -3, it defines electronic transfers ( including XXXX XXXX made through fraud as unauthorized. Even if the consumer is deceived into making the transfer, Regulation E categorizes these transactions as unauthorized because the payment was not made willingly. Furthermore, the law guarantees the consumers right to seek remedies and recover their funds without being restricted by XXXX or bank agreements. 

Therefore, the XXXX transfer I made on XX/XX/year>, should be treated as unauthorized due to the fraudulent circumstances, entitling me to a refund. I respectfully request that Wells Fargo reexamine my case and proceed with a refund of {$1600.00} in accordance with Regulation E. 

Please let me know if any additional documentation or information is required to facilitate this complaint. I appreciate your prompt attention to this matter and look forward to a favorable resolution. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

The problem started in XXXX  2024. I was wrongfully charged two cash advance fees for {$10.00} each. I disputed these, it was resolved in my favor, and I was credited for them. However I was also changed {$0.00} interest that month. Every month since then ( XXXX, XXXX, XXXX ) I have also been changed a {$2.00} minimum interest charge. Each month after receiving my statement I contact Comenity, explain the problem to them again and I am told that I will be credited for the charges and it will not happen again. However, I have not received any credit and the issue continues every month. They now owe me {$6.00} in interest/fees.
Consumer complaint received 2024-07-31
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 (AZ)

Date of the Transaction : XXXX XXXX XXXX What the Business Committed to Provide You : Hyundai Motor Finance committed to providing financing for my vehicle under the terms of our agreement, which does not explicitly restrict the ability to ship the vehicle overseas to military personnel only. 

What the Nature of the Dispute Is : My request to ship my financed vehicle overseas has been denied three times by Hyundai Motor Finance. The stated reason for denial is that I am not XXXX XXXX XXXX However, nowhere in my contract does it explicitly state XXXX XXXX XXXX XXXX can ship their vehicles overseas. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Whether or Not the Business Has Tried to Resolve the Problem : I have contacted Hyundai Motor Finance multiple times and provided extensive documentation to support my request, including my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite this, my request has been denied without a satisfactory explanation or consideration of my unique circumstances. 

Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I believe that my request to ship my vehicle overseas should be accommodated. The refusal to approve my request based solely on my XXXX  status, despite clear evidence of the nature of my duties, is both unreasonable and unsupported by the terms of my finance agreement. 

I request the XXXX XXXX XXXX to facilitate a resolution to this matter, ensuring that Hyundai Motor Finance acknowledges the unique circumstances of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provides the necessary approval for my vehicle shipment
Consumer complaint received 2024-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (MA)

The complaint is for the following collection agency : COLLECTION MANAGEMENT CO Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( the above is copied from what I found on my XXXX credit report update ) I was NEVER contacted ( by phone, mail, or electronically ) by the collection agency listed above. I received an email update from my XXXX account indicating a credit rating change. When I logged into my account to review the change, I found that my credit rating was significantly impacted by a debt reported by the above collection agency. I have never heard of this company. I checked all of my email accounts to determine if this company attempted to reach me via electronic communication. I was NOT able to find any form of electronic communication, including when I checked my spam folders. I do not have any voice messages from this company. My understanding of the law is that according to 15 U.S.C. 1692g ( a ), a collection agency must attempt to communicate a potential debt, provide information regarding the debt, and allow an amount of time for one to dispute the debt before they are allowed to pursue and take action on a debt. I have NOT received any information regarding this debt from the above collection agency. This collection agency has failed to follow the law appropriately. Further investigation into this matter found that the above collection agency also reported the debt to XXXX and XXXX. 

As of this moment, I only can postulate as to what this debt that was reported by COLLECTION MANAGEMENT CO to the credit rating bureaus may involve. I received a previous communication in XX/XX/XXXX from a different collection agency named XXXX XXXX XXXX. This matter involved a debt associated with an XXXX XXXX in XXXX. When it was brought to my attention, I disputed the debt because my investigation into the manner ( which involved calling the ambulance company involved ) determined they failed to submit the claim to my health insurance at the time ( even though they had my insurance ID on file ). My health insurance at the time covered 100 % of the negotiated ambulance trip rate regardless of in-network/out-of-network. Also, it was determined that the ambulance company had an inaccurate address and name on file ( they sent the bill to my old address on file from an ambulance trip in XXXX ) which is why I had never received a bill in the mail. I provided this information to XXXX XXXX XXXX to fulfill the disputed requirement. I asked them to contact me again if they required more information to resolve the matter. I never heard back from them again. The reason I suspect the debt may be the same is because the value of the debt from XXXX XXXX XXXX and what I saw on my credit rating report as reported by COLLECTION MANAGEMENT CO is the same.
Consumer complaint received 2019-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX I contacted my bank and reported the fact that I wasn't able to get the money in my account on time. XXXX XXXX XXXX XXXX was set up to withdraw funds. I went into overdraft as a result. The bank said the transaction was adjusted. I made a payment using another form of payment. I didn't have transportation and wasn't able to get the money in my account on time. On XX/XX/XXXX the same incident occurred. I contacted Social Security Department to have my money sent to the bank. It's out of my control that it take a long time for them to transfer my funds into my account. Therefore I made my monthly payment again to XXXX XXXX XXXX XXXX. I purchased a bed from the company they finance. XXXX XXXX XXXX XXXX is insisting that they deposited an additional charge into my account. The bank states the company only deposited {$79.00} into my account. I'm including a copy of XXXX XXXX XXXX XXXX statement. It shows that they deposited XXXX into my account twice. I'm being held responsible for a transaction I didn't get. Late charges have been added, late charges, etc. This is affecting my credit score. I'm finally getting my credit straight after being a victim of identity theft. I learned in XXXX that someone created an account using my personal information with Wells-Fargo Bank. A Federal Identification number was created using my personal information. The last four digits are XXXX. The name used is XXXX XXXX and my late father XXXX XXXX. It was as though I had a business. I was made the sole proprietor, the account was created in XXXX. The amount used was {$25000.00}. I'm still working with IRS concerning this matter.
Consumer complaint received 2023-03-11
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. (MO)

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

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have been using Bank of America XXXX XXXX for more than a year, at the very begging of our car purchase. To be on time with our payments we set up our automatic payment from Bank of America app, with have never been late with payments until recently. We received a letter from the bank stating that we were late on 2 payments and we were already 34 days past due. We were abroad and as soon as we get back we called Costumer Service asking for this matter, In XXXX I paid {$43.00} pay to capital, the bank app misunderstood as a default, again I paid the rest of my monthly amount over the phone so I could up to date. On XXXX we still past due on our payment, so I called again to Costumer Service and on Friday XX/XX/XXXX they told us that the autopay was set up only for 12 months. When I set it up I chose recurrent automatic payments ( in the app it did not mention that it would stop after 12 months, and we didn't received any notification from the bank stating that autopay should be renew ). I have had previous car loans paid with autopay drafted directly from our bank accounts with other companies and never been had this issue happened. I don't want my credit record to be negatively impacted because of this matter.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

Unlawful Debt Collection Practices : On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX. Despite the FDCPAs requirement to respond within 30 days, I received an inadequate response 53 days later, on XX/XX/year>. 
They failed to provide the necessary validation of the debt, violating 15 U.S.C. 1692g ( b ).
Consumer complaint received 2024-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (NC)

Back in XX/XX/year> I contacted XXXX XXXX to remove my homeowners insurance from escrow because they were going up on my mortgage tremendously. I had to first show payment of my insurance in full which I did. I paid XXXX XXXX {$1300.00}. After I paid the insurance this caused double payment because my mortgage company had sent via my escrow funds. I was told I would receive a refund. It is now XX/XX/year> and my mortgage company is refusing to release the funds. The refund was sent to them in XXXX from XXXX via check number XXXX for {$1300.00}. I really need this money because it is apparent that I have paid this amount twice this year. I am the only one working in my home and finances are thin. I called XXXX XXXX  today and asked if they could apply this overage to my next mortgage but they want me to wait until XXXX. This is really not helpful.
Consumer complaint received 2015-07-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (MD)

My mortgage was transfered to Residential Credit Solutions , Inc effective XXXX 2015. I did not receive a new account number and payment information from the servicing company until mid XXXX. Since then I have made payment as required monthly, however, residential credit solutions inc has not been applying my payments since XXXX to date to my mortgage. Instead, they are charging me late fee monthly and reported the account as past due on my credit report. Every attempt to straighten out my account has failed. I was promised several times that they will apply my payments but nothing has happened to date. I have copies of processed checks to proofs.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

This account was fraudulently open and I have sent them documentation over a year ago where a report was filed and the identity theft paperwork. XXXX XXXX Bank has illegally sold this account to a debt collection agency when the account was already closed and they even told me they couldnt keep this account open due to identity theft. They are the ones who contacted me about this account. I was living in XXXX when this account was created. Im not sure why they even kept this account open.. I have sent them everything they need that they requested to have this account removed. I do not owe them {$420.00}
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (NJ)

They have contacted me harassing me spamming me thats a violation I want all these items removed immediately that even belong to me The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system