davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (MO)

am submitting a complaint regarding the incorrect reporting of Account No. XXXX by XXXX. Despite this account being listed as a charge-off with a reported balance of {$2200.00} on XX/XX/year>, this information does not appear on my credit reports with XXXX or XXXX. This inconsistency has unfairly impacted my credit report and score with XXXX, creating a misleading picture of my financial history.

This inaccurate reporting has had a significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting validation.

I have contacted XXXX and requested that they remove this inaccurate information, as it does not accurately reflect my current obligations. However, I am requesting the CFPB 's assistance in ensuring that XXXX promptly addresses this matter and removes the erroneous entry from my report.
Consumer complaint received 2023-06-23
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 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 XXXX 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 an 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 2024-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (AL)

The company didn't send me what I asked for in the letter of cease and desist and the letter of verification. They sent me a bill with an address I never lived at. ( Proof is in the attachments ) To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided.

None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (GA)

Time and again I have approached XXXX about its negligence AND NOW, INDIFFERENCE AND FRAUDULENT REPORTING OF INFORMATION. An account WORLD ACCEPTANCE/WORLD FINANCE REPORTED XXXX YEARS AGO AT A BALANCE OF {$180.00}. THE ACCOUNT WAS CLOSED AND CHARGED OFF NO ADDITIONAL BALANCE WAS PRESENT FOR THE TERM OF 81 MONTHS XXXX, XXXX, and XXXX all allowed feloniously and fraudulently said company to report monthly an additional balance of XXXXXXXX XXXX XXXX XXXX XXXX monthly charged off balance resulting in today the balance being XXXX I disputed this via phone and dispute centers of the companies numerous times them to light of the Erroneously and fraudulently reporting on my credit file to date XXXX, Is the only company that has satisfactory relies their negligence and mistake and remove the company experience continues to modify disputes made investigation as well as had abusive statements to today change the status in history from charged off {$180.00} written off at {$180.00} and a past due amount of XXXX. To date I have asked for investigative details on how the allowance of this fraudulent reporting of occurred balance to a closed account has been allowed, resulting in numerous substantial injuries to my credit credit worthiness and personal and business lives as well. These tactics are abusive felonious fraudulent and deserve to be investigated fully, and the companies held responsible and made liable for my injuries from this abusive long standing injury and misuse of my credit report.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

The address ( XXXX XXXX XXXX, XXXX, PA XXXX ) is an incorrect address on my credit report. Please delete this address from my credit report and any account attached to this address, and send me an email once it is removed.
Consumer complaint received 2024-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally file a complaint against Transunion regarding their failure to properly investigate and remove a fraudulent car loan account, along with fraudulent credit inquiries from XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, and XXXXXXXX XXXX which continue to appear on my credit report. Despite numerous attempts to resolve this issue since XX/XX/2024, no resolution has been reached. 

This account was fraudulently opened in a state where I do not reside. Upon discovering this issue, I have taken all necessary steps to address it, including providing TransUnion with the following documents : Police report documenting the identity theft FTC Identity Theft Report Identity Theft Affidavit Proof of residency ( including a recent utility bill ) I have mailed these documents to TransUnion on multiple occasions and have called repeatedly to discuss the matter with their representatives. Each time, I have been asked to resend the same documents. On XX/XX/2024, I received yet another letter from XXXX XXXX XXXX requesting that I resend all previously submitted documentation. On XX/XX/2024, I mailed my utility bill, drivers license, Identity Theft Affidavit, FTC Report, and police report again, along with a copy of XXXX XXXX XXXX 's letter. 

During this process, a representative assured me that once the documentation was received, the fraudulent account would be removed from my credit report. However, despite complying with every request and submitting the appropriate documentation, this account remains on my credit report. On XX/XX/XXXX, I contacted XXXX XXXX XXXX, and they informed me that they had contacted TransUnion to expedite the removal of the fraudulent account. However, TransUnion has yet to update my credit report. 

I have also contacted all other companies related to the fraudulent inquiries and provided them with the FTC reports. Each of these companies has stated that TransUnion must remove the accounts. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of inaccurate or incomplete information from consumer credit reports. I demand that TransUnion immediately remove the fraudulent account from my credit report and cease any further reporting of this erroneous information. 

Please investigate this matter promptly and take immediate action to ensure my credit report accurately reflects my correct information. I have attached all relevant supporting documents for your reference. 

Thank you for your attention to this serious issue. I look forward to your swift resolution.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WESTERN ALLIANCE BANCORPORATION (CA)

They will not allow me to withdraw my own money even to the linked funding account that has already been approved used to deposit into the account. When I messaged customer service about this, they told me I had to send an ID in order to withdraw my own money, which they had not said before and is not in any agreements. They are not giving me full access to my own money which is against regulations. I have sent my ID despite this actually not being needed and against the law, but even so, I still can't withdraw anything.
Consumer complaint received 2024-09-18
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. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-22
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. (SC)

I CONTACTED THE COLLECTION AND CREDIT BUREAUS ABOUT THE SITUATION AND THEY DID NOT DO PROPER INVESTIGATIONS OF ALL OF THE CREDIT BUREAUS XXXX, XXXX, TRANSUNION, AND XXXX XXXX.
Consumer complaint received 2019-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

Company name : PennyMac Loan Services LLC Problem : I closed out the loan with PennyMac in XXXX. Pennymac also pulled in the automated payment for month of XXXX. So, double interest was charged for month of XXXX. I have been trying to get a refund on the money since then to no avail. Following is the call history : XXXX XX/XX/XXXX - 28 mins - They can not find the records and need to check with people again to return the money. 
XX/XX/XXXX - 46 mins - Was told that there was a delay and the funds will clear in another week. 
XX/XX/XXXX - 22 mins - Was told the the funds will release in a week. 
XX/XX/XXXX - 24 mins - Was told that the funds will be released in 2 days XX/XX/XXXX - 46 mins - Agreed that the money was owed. 
XX/XX/XXXX - 11 mins - Said will call back as there seems to be an issue but never got a call back XX/XX/XXXX - 43 mins - Disagreed that double interest was charged XX/XX/XXXX - 18 mins - Disagreed that double interest was charged XX/XX/XXXX - 40 mins - Disagreed that double interest was charged XX/XX/XXXX - 20 mins - Disagreed that double interest was charged XX/XX/XXXX - 29 mins - Disagreed that double interest was charged XX/XX/XXXX - 22 mins Incoming : XX/XX/XXXX - 8 mins - Requested bank statement to for confirming the funds cleared from my account XX/XX/XXXX - 4 mins - Confirmed that funds will clear XX/XX/XXXX - 4 mins - Confirmed that funds will clear in another week. 
===================================================== I have tried my best in good faith to get the money back from PennyMac but to no avail. I went them to refund back my money.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (PA)

I am writing to file a formal complaint against GM Financial for an error on my account that has resulted in an incorrect late payment being reported to my credit file. 

I have always maintained an excellent payment history with GM Financial, and I have never been 30 days late on any of my payments. On XX/XX/year>, I made a payment of {$600.00} after switching to a new bank to ensure that I would not have any late payments. However, on XX/XX/year>, I received an email from GM Financial stating that the payment had been returned. 

I immediately contacted GM Financial to understand why my payment did not go through. The representative informed me that the issue was with my bank. I then contacted my bank, which confirmed that the funds were still in my account and that no issues had occurred on their end. Upon informing GM Financial of this, their representative acknowledged the issue but suggested I try to resubmit the payment. However, I was warned that a late payment might still be reported due to the system 's automatic reporting processes. 

I requested that GM Financial make a note of this error and ensure that no late payment would be reported, given that it was a system error and not due to any fault of mine. The representative, however, stated that I would need to contact XXXX directly if a late payment appeared on my report. 

Despite my efforts, a late payment has now been reported, significantly affecting my credit score. Upon contacting XXXX, I was informed that GM Financial provided me with incorrect information and that GM Financial had the ability to correct this error before it impacted my credit report. 

I am requesting that GM Financial immediately remove the incorrect late payment from my credit report, as it was a result of a system error and not due to any failure on my part to meet my payment obligations. 

This situation is having a severe and unjust impact on my credit standing, and I believe my consumer rights have been violated as a result of XXXX XXXX handling of this matter. 

I have attached my payment history as proof that I have never been 30 days late on any payment. I respectfully request the CFPB 's assistance in resolving this issue and ensuring that GM Financial corrects the error in a timely manner. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: COMMERCE BANK (MN)

I applied for and rceived a credit Card from Commerce Bank. The offer stated no interest for 15 months. No date of when the no interest period started or would end. No statement stated when the no interest period would end. I thought I would be notified as all of theother cards that I have received which provide for no interest during a specified period state on the statements when the no interest period would end. The Commerce Bank card statement never stated when the zero interest period would begin or end. According to my records, the interest free period should have ended in XXXX, XXXX. To my surprise the XX/XX/year> statement showed interest on the balance. As did the XXXX statement. I immediately paid the outstanding balance less the interest charges since I never received any notice of when the interest free period would begin or end. I contacted Commerce Bank regarding the above and their response was that the interest free period was 15 month. No documentation of when the period started or ended. All interest should be waived and my credit account cleared. This is clearly deceptive practices barred under the Federal Trade Commission rules. Thank you in advance for your assistance.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MS)

While trying to refinance my mortgage ( XXXXXX/XX/XXXX ), found out under liabilities-I have a Mohela account in the amount of : {$49000.00} and a XXXX XXXXXXXX XXXX account in the amount of : {$49000.00}, this is one in the same company reporting 2 separate accounts on my credit reports. Called Mohela, XX/XX/XXXX after seeing disclosure. They said they know some people have up to 4 incorrect reporting accounts. I should file a dispute. I told them to fix it. They are in violation of the FCRA.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I signed up for a loan on a car with XXXX  with no down payment. I received the car and when reviewing the information it showed I had to pay a down payment. I called the XXXX  and said I could not pay the down payment and they said they would have to pick up the car since they needed a down payment. About three months went by and no one picked it up, and when they finally did I was told it was a repossession. I called XXXX the loan company which they were more than happy to help, but they are unable to since it was XXXX  who put it in as a repossession. I called XXXX  and they said that since it was out side if the seven day period they could not do that. I never agreed with the terms or loan agreement, and they refuse to change it from a reposession to a backoff at least. The loan terms were not accepted and not finalize due to not providing the down payment.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC (TX)

Statement Balance {$9.00} Current Balance {$0.00} Credit Limit {$300.00} Available Credit {$0.00} Amount Due {$0.00} Payment Due Date XX/XX/year> Last Payment Amount {$9.00} Last Payment Date XX/XX/year> Payment History as of XX/XX/year> Payment Date Amount Status XX/XX/year> XXXX Processed XX/XX/year> XXXX Processed XX/XX/year> XXXX Processed XX/XX/year> XXXX Processed XX/XX/year> XXXX Processed XX/XX/year> XXXX Processed I have paid on time and early, AND a deposit for this account, which was open XX/XX/year>. All payments were done through my bank account ( the same account ). I was charged {$95.00} for " annual deposit ''. The credit card company is refusing to extend the credit as stated in the agreement ( it states my balance is paid, but I have no available balance of credit to use ). The account is open ( they did not close it ). They want a copy of my bank statement ( all payments were made from the same account ), stating that XXXX XXXX is requiring it. I requested the account to be closed and to refund the amount charged ( {$95.00} ), to which they refused. This company seems to be scamming people.
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (GA)

XXXX XXXX XXXX got my private property XXXX XXXX without my consent, which they violated two UCC Filings. File number XXXX with a fine for more than {>= $1,000,000} and File Number XXXX with a fine for more than {>= $1,000,000}. They damaged my reputation by saying that I owe a debt that is not mines. They are trying to coerce and threaten me into paying a fraudulent debt.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (OH)

I sent a letter to Citi bank to activate my account and checked repeatedly if they had done so. The reps I spoke to said they had recieved my information and the department that handles it has not taken any action. They promised to get back to me in 2 days ( 7 days, 10 days ) each time I called and and never followed up. They have acknowledged reciept of my registered letter on XX/XX/year>. I have contacted them by phone at least 4 to 6 times and have sent another letter by USPS and by email. I want to close the account and have the money sent to a different bank but they told me I have to wait until the account is activated. They have disregarded all attempts I have made to do so.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (ID)

I've told them multiple times to stop contacting me the case went to court and was Dismissed without prejudice and LVMV was ordered to never contact me or take legal.action again yet they took it back to court XXXX  years later but this time are trying to say it's a breach of contract yet they still refuse to provide information of this contract they say I legally signed. They have called 13-20 times a day on my cell phone and have also contacted friends and family harassing them to get a hold of me as well.