davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Recovery Service Incorporated (NY)

I am filing this complaint against XXXX, XXXX a debt collector from XXXX. I had a payment due in XX/XX/2024 in the amount of {$1500.00}. I did not have sufficient fund to cover the amount. I called XXXX XXXX on XX/XX/XXXX to inform him that the payment can be processed that the fund was available. XXXX XXXX informed me since the fund was not available on XX/XX/XXXX the agreement was cancelled. I explained to him that the monthly payment was too high that I would to have a lower payment plan. I explained to him that I already make a payment of {$3500.00} towards the account and he said those payments are void that I will star all over with repayment. I explained to him his conduct was in violation of the fair credit act and he threatened to sue me and have my wages garnish. I asking the agency 's help in this matter as I feel my rights have been violated.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

About XXXX weeks ago I was told by Capital One bank I needed to replace my credit card. They did replace it. But on credit reports they listed the replacement card as if it were a new application, not as a new number on the existing card. 
Whenever a new credit card ( different company, different number ) is issued the credit card bureaus decrease your XXXX XXXX which lasts up to XXXX XXXX 
When Capital One issued a replacement card only the number changed, but they listed it as from a new application, as a new account. This type of listing meant I lost XXXX points at the credit bureau because of an application for additional credit. 
It was NOT a new application at all. 
I called them and they would not or were unwilling to remove this type of listing from the credit bureaus. They did not seem to care or even acknowledge this was their error and that the decrease in my XXXX XXXX mattered to me. 
When I called, they did not make the corrections at the XXXX credit bureaus. 
In essence this is an egregious error which has caused me harm.
Consumer complaint received 2024-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OK)

I applied through XXXX for student loan discharge total and permanent when I became disabled. Before that, I was on the PSLF. XXXX gave me 90 days temporary hold on my loan until approved. On XXXX XXXX it was approved. but I kept getting payment notices from Mohela. They said XXXX didn't tell them. I went through this multiple times. XXXX, sent me the notice on XX/XX/year>. 
They kept telling

me that Student aid needed to do this. They also told me that my loan was on a new platform which I did sign up and made a complaint. I wrote a complaint to Student aid also and sent it. I called them an
d was on for about half hr with Grace about this concern. She told me that since Mohela was the loan servicer, they had to sent that info to XXXX. 
In the meantime, my loan payments are due again in XXXX and I am supposed to be making payments on a loan that was agreed to be discharged.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/2023, received Bank of America letter/notice that a credit card application was received in my name. The notice is dated XX/XX/2023. The reference number is XXXX. I contacted my local police department and I attempted to contact the banks fraud department ( it is closed on the weekend ).
Consumer complaint received 2024-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

I realized that during the transfer from Mohela to the new servicer, I was put into an administrative forbearance I didnt ask for, had to manually turn back on auto pay, and have a several XXXX dollar principle increase due to capitalized interest. This feels insane and I want my old balance back.
Consumer complaint received 2024-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC (FL)

My Mortgage bank Selene Finance have denied short sale under my hardship. I have been in contact with Selene along with my real estate agent to resolve this matter. Offer made to my home covered XXXX percent of the loan owed. Selene went ahead and sold my home under foreclosure under a hardship and short sale offer. Selene received {$10.00}, XXXX as a deposit for this offer but yet denied it. Please see my attachments of proof of such events. Also they mishandle documents when attempting to get a loan modification. 

When applying once for a modification they gave me a run around for almost a year a mishandling my documents and even sent me someone else account papers which broke breach of confidentiality. I asked serveral times during this season to send me records of my house and they refused. 

I have had my home home since 1999 my exhusband refinanace serveral times, interest rate high, and most what was left of home loan is interest. Many inadequate procedures with equity over time and other unthical procedures with short sale being ignored. 

My XXXX XXXX agent, attorney and free legal advise stated Selene did a terrible unthical procedure for me as a homeowner attempting to resolve loan under a short sale that was high enough to pay off the loan. 

I'm requesting my account be forgiven and my credit clear as i'm presently homeless and unemployed. A single woman at age XXXX with a XXXX XXXX however have not been able to sustain employment after having covid twice and enduring medical procedures. I have proof of everything and caring for my XXXX mother.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I just got a notification that I no longer have a FICO score although I have an open and in good standing credit card that I use and have since XXXX! How can I have a FIVO score one day then not one the next when I have the same CARD? Im trying to buy a house and these credit bureaus keep messing with my scores making it impossible to do so! 

I have a card in good standing thats open! How can they do this? If you hade a card you use and pay on you have to have a FICO SCORE!
Consumer complaint received 2024-06-27
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. (CA)

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. 

Quality Acceptance XXXX XXXX  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 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 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (TX)

I am writing to complaint to PNC BANK, N.A about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XX/XX/XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

XXXX has listed late payments of 30 days from XX/XX/XXXX to XX/XX/XXXX which is incorrect. Payments were made within 30 allotment and are not subject to late payment reporting to the credit bureaus. Also repossession listed as XX/XX/XXXX and XX/XX/XXXX are also incorrect. Car was in my possession and account was current at that time. Past due balance had been paid.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We tried to initiate a wire transfer for almost {$35000.00} through Bank of America 's wire transfer service via their website. This was for a home closing in another state being wired to an attorney 's account. When we sent the wire we were given the option of sending today for a {$30.00} fee or next day for {$0.00} fee. We chose the next day as the money was not required until Friday. Just a few minutes later, our attorney 's office called letting us know they legally can not accept ACH money transfers. We did not authorize an ACH transfer and there was no information disclosed that choosing the next day would automatically change the wire to an ACH. We were told this only happens with Bank of America and they do this when the customer choose the " no fee '' option. Had we known this, we would have just done the same day wire. We have spend hours today in the branch, on the phone in and out of the branch, and can't get anyone to help us. We were told it could take up to 5-10 business days to get that money credited back to our account. We now have to go to another branch tomorrow and wire an additional almost {$35000.00} hoping not to overdraw our account. I asked to speak to their internal audit department and was told to just call back tomorrow and wait in the queue again for someone in the wire department. I was passes back and forth today from the wire to the ACH department before being the call was disconnected by Bank of America. My husband is a veteran and this is for a VA loan. I understand their online wire service in new and there still may be bugs, but disclosure about wire transfer options should be non-negotiable.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CashRepublic Holdings, Inc. (TX)

I am writing in response to your correspondence regarding my complaint filed against Omni Financial and XXXX XXXX XXXX. Your response on case number : XXXX acknowledges my concerns regarding the mishandling of my debt validation request and the inaccuracies in credit reporting by these entities. However, it is imperative to clarify several critical points and further actions that need to be taken to resolve this matter satisfactorily. 

1. Failure to Timely Respond to Debt Validation Request : Contrary to Omni Financial 's assertion in their response to you, my initial debt validation request was sent to XXXX XXXX XXXX on XX/XX/year>. This request was compliant with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which mandates a response within 30 days. Despite their legal obligation, neither Omni Financial nor XXXX XXXX XXXX provided a timely response. Their delayed response on XX/XX/year>, was well beyond the allowable timeframe, thus violating my rights under the FDCPA and making the alleged debt unvalidated. 

XXXX. Misleading Response and Incorrect Credit Reporting : Omni Financial 's response to you was misleading and inaccurate. They falsely claimed to have received my debt validation request on XX/XX/year>, which contradicts the evidence I provided confirming the XX/XX/year>, submission. This misinformation not only misguides the CFPB but also reflects a pattern of non-compliance and negligence. Furthermore, my credit report incorrectly lists the alleged account as a charge-off to XXXX XXXX XXXX XXXX This misreporting obligates Omni Financial and XXXX XXXX XXXX to provide documentation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which they have failed to produce. 

3. Illegal Request for Identity Verification : Omni Financial 's request for an FTC Identity Theft Report, drivers license, and a selfie holding my drivers license is not only unjustified but potentially illegal under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, and the Federal Trade Commission Act, 15 U.S.C. 45. Such demands for personal information without lawful basis raise serious privacy and compliance concerns.
Consumer complaint received 2024-06-26
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. (IN)

I am a victim of identity theft and was notified by Experian that my account XXXX have been exposed to a data breach. 

Please help me remove this fraudulent account from my credit reports. I reported this to Federal Trade Commission. I will attach in this complaint my FTC report, ID, proof of address, and social security card. 

Please delete this fraud account from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Experian refuses to remove items on my report, when I did not give written authorization for these companies to purchase or obtain my information, they are not the original creditors and i requested arbitration from this reporting agency.
Consumer complaint received 2024-07-11
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. (NJ)

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. 

AXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1

5 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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the XXXX XXXX Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 


XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$990.00} written off. {$450.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$990.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$990.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days CO Charge off XXXX No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance history XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$750.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Your statement Comment Current : None Previous : Account closed at credit grantor 's request. 

XX/XX/XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WI)

I was signing up with care credit with XXXX XXXX  to get work done. I gor a cleaning and x-rays. I got an estimate for the XXXX  round of work. I paid XXXX something. Thinking that was it. No other work was done. Looks like XXXX charged my insurance for those items. I paid care Credit for nothing apparently. Thought that was the end. Just got a call I owe XXXX. Now they want money for nothing. XXXX XXXX was very rude. I have disputed the charges. I need to know what I have to do to get rid of this.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX  XXXX 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 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. 

XXXX  XXXX 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