davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (TX)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604 ( a ) ( ii ) also states a consumer reporting agency can not furnish an account without my written instructions ; under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose. 

Creditor : American Honda Finance Missed Payments : XXXX   2023, XXXX   2023 Amount ( s ) : {$210.00} ( XXXX  and XXXX  2023 ) Please note I was terminated from my employer on XXXX  2023. I did not receive any form of written or verbal communication from the above creditor regarding late payment ( s ). American Honda Finance corporation terminated my automatic payments set to the account without my consent and failed to provide any verbal or written communication regarding the termination of automatic payments. The creditor restricted my ability to make payments online and over the phone after the termination of my automatic payments. As of XXXX  2023, I was forfeited the ability to purchase my vehicle due to a recall of over 4.5 million vehicles globally ( inclusive of my current vehicle ) from the creditor which violates the contract between myself and the creditor at the end of lease term. The franchiser ( Honda ) issued a stop-sale order which prohibits the franchisee ( myself ) from selling a vehicle subject to safety recalls. The above creditor has violated numerous rights of the Fair Credit Reporting Act as well as disclosures under our existing contract.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (MO)

They froze my account to where I cant access any of my funds XXXX  direct deposited money. Also they still allowed my direct deposit to be put into the account that they have on hold/froze. They refused to explain why this is happening. They simply say to re open, close or for me to do anything with my funds I have to provide - photo id, selfie id with my photo id, prof of address. I have provided but so far they have rejected what I sent even though they are documents I was told they accept. They want complete images of these, I dont feel comfortable providing other complete account info and private information. Thats not ok to require. And an explanation of funds deposits and withdrawals. My deposits are direct deposits, some cash deposits from cash remodel work, and life insurance payment from uncle passing. Withdrawals has been at casino to gamble. Usually I withdraw money and hopefully put it back into bank later and maybe even some extra if I win some. My cash deposits has not been excessive or large amounts. Less than XXXX in over 45 or more days. And it closely matches my withdrawals located at the casino. I feel they are holding my funds and income hostage. I need to get gas to get to work, buy medicine, pay rent and buy food. I cant do that with them putting my account on hold. Is this legal? They following all rules and laws? Thank you
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (CA)

I was about to get a loan from my bank and they noticed my credit score was low. We checked why was that, I found in my credit report that I owe money to some XXXX XXXX. I called them, the transferred me to Absolute Resolutions Corporations, LLC. They told me to prove that the account was not mine, which doesn't make senses, since I don't have any documentation about, because I am not the owner of that account. They send me the statement of that account and after I read all of it, I found an address that is not mine and the phone number is not mine either. I told them that, they said I need to send proves of that (? ) They are still sending me letter saying that their compliance team found that the account is not fraudulent. ( In a phone call I talked with a representative and he told me that the only proof they have is a digital signature " from me ''. I did already the police report on XXXX Police Department and they found that the address that appears in the credit report belong to XXXX XXXX and her boyfriend, and both are in XXXXXXXX for other XXXX XXXX  ( I told all this to Absolute Resolutions and they insist the account is not fraudulent ). I did my FTC Identity Theft Report, and I sent all this documentation to XXXX XXXX, to Absolute Resolutions, to XXXX and nothing happen. Today ( XX/XX/2024 ) I received a letter from Absolute Resolutions saying that their Compliance Team, again, found that the account is not fraudulent. 
I don't know what to do at this point, my credit score is still poor.
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I disputed a Midland Credit Managment account with XXXX, XXXX and XXXX on XX/XX/2024 and on XX/XX/2024. Midland Credit Managment is falsly reporting amounts to the three Credit Bureau Agencies above. I sent to Midland Credit Managment a Debt Validation Letter via U.S. Postal Service Certified Mail on XX/XX/2024 and I have not received a response to validate this debt.
Consumer complaint received 2024-07-21
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. (IL)

I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which is pass the statue for reporting, US SM Bus Admin ODS is pass the statue for reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize these inquiries, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of these inquiries.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2024-02-22
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

I SENT A LETTER TO THEM BACK IN XXXX OF 2017 TO DISPUTE THE DECK AND REQUEST DEBT VALIDATION THEY NEVER RESPONDED BUT PUT IT ON MY CREDIT REPORT.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. (IN)

On XX/XX/XXXX my start-up account, Blockchain.com, was verified. Shortly after I deposited {$230.00} my account showed the verification process was in review. Therefore, I cant withdraw or transfer my funds to another wallet. Ive attempted numerous times to get a resolution to this issue. I only received form emails stating trouble tickets were issued and I will soon receive a response. I never received any form of communication regarding the issue.
Consumer complaint received 2023-07-11
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: Bridgecrest Acceptance Corporation (LA)

Between XXXX XXXX XXXX my XXXX XXXX was stolen from my driveway while I was away for business. I filed a police report and made a claim with my insurance company XXXX. My car was deemed a total loss after law enforcement and the insurance company investigation. The lienholder Bridgecrest was made aware of the vehicle being a total loss. On XX/XX/2023 XXXX sent a check to Bridgecrest for {$21000.00}. I spoke with Bridgecrest in XXXX about a week after the check was mailed. They confirmed they had the check but needed to speak with XXXX. I made contact with my agent from XXXX, XXXX XXXX ( XXXX ) XXXX who said she would speak with Bridgecrest. XXXX XXXX confirmed with me about ( 2 ) days later she had spoken with Bridgecrest. I then called Bridgecrest again ( towards the end of XXXX ) and they still refused to deposit the check to my account. By this time they have listed my account 60 days negative to all credit bureaus. 

I attempted to dispute this with the bureaus but they all ruled in favor of Bridgcrest and informed me to open a claim with you. I have tried working with the lienholder but every time I call I get a different lie on why they have not applied the check towards my car. My credit score has dropped over XXXX  points and now showing 90 days passed due. This has caused me denials with recent credit transitions and my current job is now reviewing my credit. 

I've attached what XXXX shared with me as proof of payment.
Consumer complaint received 2024-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NV)

Credit Collection Service XXXX XXXX XXXX XXXX. XXXX, MA XXXX Subject : Collection Agency Violating Consumer Laws Dear Sir/Madam, I am writing to dispute a collection debt that has been placed on my credit report by your Agency, Credit Collection Service , regarding an alleged debt. It has come to my attention that your agency violate my consumer protection laws, including but not limited to the following : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Despite my request for validation information pursuant to this regulation, you have failed to provide the necessary validation of the debt, yet you have proceeded to place this debt on my consumer report. This action is in direct violation of the requirement to provide validation information upon request from the consumer. 


Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : I have not been afforded the opportunity to dispute the account in question in accordance with this regulation. It is my right as a consumer to dispute any inaccuracies or discrepancies regarding the alleged debt, yet your agency has failed to provide me with this opportunity.

Violation of Consumer Rights : Your agency has engaged in false, misleading, misrepresentation, and deceptive practices in its collection efforts. These actions constitute a clear violation of consumer rights and protections.

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : Your agency lacks the authority to furnish any account to a consumer reporting agency without providing all required disclosures by law. By furnishing this account to a consumer reporting agency without adhering to the necessary disclosures, you are in clear violation of these regulations.

I demand that your agency cease all collection activity related to this alleged debt until such time as you can provide proper validation information and afford me the opportunity to dispute the account in accordance with the law. Furthermore, I request the immediate removal of any negative entries related to this debt from my consumer report, as they are inaccurate and misleading. I am also requesting the purchase agreement between your Agency and the original Creditor, and also furnish proof that you are licensed and bonded. 
Failure to comply with these requests will leave me with no choice but to pursue further action, and seek legal recourse. 

Sincerely, your
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

Company has called my workplace claiming to speak about a small business matter disguising themselves when calling. The company has called repeated times during the week to my personal cellphone. The company calls my phone not stating theyre taking a debt collection but as consultants for a small business but it is for debt collection.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

THE COMPANY REPORTED A FRAUDULENT DEBT AT ALL THE CREDIT BUREAUS WHICH IS NOT MINE.THIS COMPANY 'S FRAUDULENT ACTION RESULTED IN MY CREDIT SCORES PLUMMETING 50+ POINTS AND BECAUSE OF THIS ACTION I WAS DENIED A COUPLE OF CREDIT CARDS WHICH I HAD APPLIED FOR. THIS COMPANY 'S FRAUDULENT ACTION OF REPORTING THIS PRESUMPTIVE DEBT HAS DAMAGED ME. THIS COMPANY VIOLATED THE FAIR CREDIT REPORTING ACT BY REPORTING THIS NEGATIVE DAMAGING INFORMATION. THIS COMPANY NEVER CONTACTED ME BY PHONE AND/OR MAIL.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (KY)

My mortgage was transferred from XXXX to Mr. Cooper in XX/XX/XXXX. Prior to the transfer, my taxes and insurance were paid by XXXX through an escrow account. I received multiple delinquent tax notices from the XXXX of XXXX and attempted to resolve the issue by calling XXXX on at least four occasions. I filed a Complaint against XXXX with the CFPB on XX/XX/XXXX. XXXX responded on XX/XX/XXXX explaining their error but assuring me that the taxes and all late penalties were paid. The Complaint and XXXX 's response are attached as a PDF. I confirmed this with the XXXX of XXXX. 

Once I was granted access on or around XX/XX/XXXX, I created a Mr. Cooper account and logged on to pay my mortgage. I then discovered that my monthly payment was raised from {$1900.00} to {$2400.00} without explanation. When my mortgage was transferred to Mr. Cooper, I received a package in the mail explaining my rights and guarantees. XXXX of those guarantees was that Mr. Cooper would not raise my payments. Since purchasing my house in XXXX, my payment has always been {$1900.00}. Now, Mr. Cooper is charging me an extra {$490.00} without explanation. 

The {$2400.00} that Mr. Cooper attempts to charge me consists of {$900.00} in escrow. There is no explanation on the website for why my escrow payment would go up. I checked my account on XXXX and Mr. Cooper 's websites to try and ascertain how much either XXXX or Mr. Cooper paid in late penalties for filing my XXXX of XXXX taxes nearly 3 months late. I believe that Mr. Cooper is attempting to charge me for the escrow shortage that resulted when they ( or XXXX ) had to pay late penalties on my taxes. Those late penalties are the responsibility of the lending company ( or their predecessor ) who were obligated to have my taxes paid on time. 

Mr. Cooper does not allow for partial payments, so I am withholding my entire XXXX payment until this is situation is resolved. 

In addition to getting this increased payment issue solved, I would like for Mr. Cooper to remove my escrow account and allow me to pay my own taxes and insurance. 

Thank you for your assistance on this matter. I truly appreciate everything the CFPB does to protect consumers from these poorly run companies.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (FL)

A debt collections company named Credence Resource Management has reported some information on both my transunion and XXXX credit profiles. Earlier today i sent a dispute letter to their office via certified mail. Below i attached a copy of both the pages i sent them. I expect them to respond with the information of validation that i requested in a mannerly time or these negative accounts have to be deleted. Also if they can not validate the alleged debt they reported it must also be taken off my reports. I would like the CFPB to be alongside me down this journey and to also help with holding this collection agency accountable. Thank you.
Consumer complaint received 2023-09-16
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. (CA)

XXXX XXXX XXXX XXXX pull my credit on XX/XX/XXXX, XXXX resulting on a hard inquiry. 
I did NOT AUTHORIZE this and its now showing up on my credit. I think it maybe fraudulent activity.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (VA)

- Account with FNBO had a balance of {$4900.00} with a payment due date of XX/XX/year>. 

- Payment in whole was made on XX/XX/year>. Account now has a XXXX balance. 

- FNBO is still attempting to pull the full amount despite the account having a XXXX balance. Customer service was contacted on XX/XX/year>. Response from FNBO was that they can't stop/cancel and upcoming auto-payment, despite the account having a XXXX balance. 

- FNBO further replied that they can only reverse a payment after a full XXXX  days. FNBO essentially gets to hold on money not owed, for extra time. Meanwhile, customer 's external bank account is potentially over-drafted due to customer being responsible and making full payment ahead of time. 

- Note : " XXXX '' in escalation support management spoken to.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

I sent a payment to my doctor via XXXX XXXX with Navy Federal, some how an account I have not had access to for over a year was charged, and XXXX XXXX said I was committing fraud and wanted a credit card plus fees to correct the problem and I would no longer be able to use XXXX pay with NFCU
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (NV)

I have sent numerous emails to United Wholesale Mortgage demanding that the claim be finalized. My Attorney has also sent numerous emails requesting the same. I have been waiting for the claim to be finalized since XXXX. I have had XXXX XXXX. My credit is now damaged due to the delay of processing the claim. Now United Wholesale Mortgage has decided to not move forward with the claim. My credit score dropped from XXXX to XXXX. Now I'm not able to purchase a house.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (AZ)

i recieved a copy of my credit report and noticed 3 accounts on my credit report that i never applied for and never used these accounts are fraud all these 3 companies have been contacted and have tried to fix it with the companies
Consumer complaint received 2023-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I sent a request to XXXX, XXXX and Experian to remove inaccurate addresses and names on my credit report and I included my 2 forms of identification to verify my identity and that I was the one initiating the dispute and every time XXXX and Experian replies saying provide verification documents and I do and they just send the same automated respond. XXXX does not reply at all. It has been longer then 30 days for all 3 requests and nothing has happened.