davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion 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 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ Comenity Capital Bank associated with XXXX for the month of XX/XX/year>, XX/XX/year> & XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ Comenity Capital Bank associated with Ulta for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Consumer complaint received 2016-04-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (VA)

The XXXX XXXX union cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit, the credit union is during nothing to correct the issue other than emailing every day and not the affected company 's XXXX fit the problem
Consumer complaint received 2024-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/XXXX, in a letter dated XX/XX/XXXX I received via US mail notice that our mortgage with XXXX XXXX  had been sold and transferred to Select Portfolio Servicing Inc effective XX/XX/XXXX. This means that we were not given the requisite 15 days notice of this transfer. Given our payment is already being transferred via autopay, we are unable to cancel payment tXXXX XXXX XXXX. I'm concerned that the company is already not respecting our rights with this blatant late notice of service transfer. I would like to ask for CFPB to evaluate if this transfer is legal.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Late Payments on CREDIT ACCEPTANCE Account - Demand for Reversal To Whom It May Concern, I am writing to dispute late payments that have been inaccurately reported on my XXXX credit report for my CREDIT ACCEPTANCE account. These late payments are erroneous and have a detrimental impact on my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. Any reporting of information with actual knowledge of errors is prohibited under 15 USC 1681a 2 ( A ) ( i ). As such, I demand the immediate reversal of the late payments erroneously reported on my XXXX credit report for my CREDIT ACCEPTANCE account. 

Furthermore, I assert my rights under the FCRA to dispute inaccurate information on my credit report. Late payments that are erroneously reported can have severe consequences on my ability to obtain credit and may result in financial harm. 

Please conduct a thorough investigation into the accuracy of the reported late payments and provide me with written confirmation of their reversal or changed to paid as agreed on my XXXX credit report. 

Failure to comply with my request will result in further action to protect my rights under consumer protection laws. I expect a written response within 30 days confirming the reversal of the late payments on my XXXX credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (IN)

I have never received written notification of a collection account which appeared on my XXXX credit report. I disputed the item with XXXX, and the item was deleted from their credit file on XX/XX/2018 as a result of their re-investigation due to inability to verify the debt. The same account has now been reported on my XXXX and XXXX credit files as of XX/XX/2018, and I have initiated disputes with the credit bureaus to have the account removed.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (CA)

PNC closed my account without any letter or warning. XXXX XXXX and receive a deposit every month. I need XXXX, XXXX and to pay my bills. Plus automatic payments come out of my account each month. This is causing a XXXX to me and I will be getting late payments due to my account being closed.
Consumer complaint received 2024-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (FL)

The Collection Agency Linebarger Has Been Given An Alleged Debt In Attempts To Collect It.

This Is BREAKING THE LAW!! A License Is In Fact A " Credit Card '' According To 15 usc 1602 ( i ) Defined As " any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''.

15 usc 1602 ( f ) " Credit '' Is Defined As " The Right Granted By A Creditor to a Debtor to Defer Payment or to Incur Debt and Defer Its Payment ''.

Since I Am The Creditor and I Have The Right to Extend My Credit To Whomever With My Authorization, and You The Debt Collector Did Not Receive Permissible Permission 15 usc 1681 ( b ) To Attempt to Collect Debt. 

I Am Ceasing All Communications With You.
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (TN)

I am filing this complaint in regard to a recent notice of dispute I had written and mailed to SANTANDER CONSUMER USA about inaccurate account information regarding late payments which was mailed on XX/XX/XXXX and delivered on XX/XX/XXXX. It has been approximately 51 days since the notice of dispute has been delivered to SANTANDER CONSUMER USA. The inaccuracies that are reflecting from the account in question are showing up in the payment history section for XXXX as XXXX XXXX late payments in a row, XXXX XXXX late payments in a row, and XXXX more XXXX late payments in a row for the year XXXX. This information is all showing in the " Payment Summary '' section. As seen on XXXXXXXX XXXX direct site. The are XXXXour 60-day late payments in a row reflecting from the year XXXX, XXXX more reflecting from the year XXXX, and XXXX more late payments reflecting from the year XXXX. These issues are in fact ruining my reputation and my creditworthiness to obtain new credit. According to the Fair Credit Reporting Act, the law emphasizes the importance of accuracy and fairness of credit reporting. The Fair Credit Reporting Act states per 15 USC 1681s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Also, 15 USC 1681s-2 ( 2 ) Duty to correct and update information A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. SANTANDER CONSUMER USA has had more than enough time to investigate. I have reason to believe that my dispute was ignored. Wouldn't that be considered as willful noncompliance? Please remove this account for failure to investigate inaccurate account information within 30 days.
Consumer complaint received 2024-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

XX/XX/XXXX Deposited {$8000.00} to be placed in escrow for expected XXXX and XXXX insurance payments. XXXX demolished and replaced new home expected to be finalized within weeks. Mortgage company deposited and refunded monies as XXXX failed to note XXXX  explanation that the home will revert from vacant land to a finished home within 60 days and monies should remain in escrow to pay expected insurance. New policies set to begin in XXXX. Check never received, XXXX claims XXXX  sent to property which is still in final inspection no mail going to home. Next XXXX said check was mailed to address on file in ohio. Never received. On XX/XX/XXXX supervisor said replacement check approved on XX/XX/XXXX. To me mailed to me at address on file. XXXX today still no check and {$8000.00} in premiums due. Money is lost. I have record of bank transactions. Made payment to princioal and future adavanced monthly payments at same time in XXXX Need assistance to get the funds returned in the form if payment ACH direct deposited back into bank.

Thank you
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

We always use the promo feature when using our Care Credit card and I am diligent to make sure it pays in full before the promo expiration date. I paid {$420.00} extra ( on XX/XX/year> ) on the top promo, knowing that the final {$150.00} would come out on the regular due date ( on XX/XX/year> ) to finish paying if in full before the expiration date ( on XX/XX/year> ). When I checked the account, Care Credit had misappropriated the {$420.00} and put {$53.00} on the next promo, potentially causing the 1st promo to have missed the expiration date. They could then assess the accrued interest of almost {$260.00}, except that I caught it in time and called them. They gave the excuse that there must have been a glitch in their system. That is not acceptable, since they could have stuck us with another {$260.00} in accrued interest. I believe this is fraudulent.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Noticed {$25.00} fee on my XX/XX/XXXX Mortgage Statement from BofA. When I called to inquire, they said, they had done an audit on my account. That fee is from an occurrence XX/XX/XXXX ( over 10 years ago! ) which had never been charged by my prior lender, Countryside Home Loans. Refused to eliminate the fee. Maybe BofA is in desperate need of money?
Consumer complaint received 2024-06-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (SC)

On XXXX XXXX XXXX I called the Transworld Systems Inc. to ask them to send me a statement that shows that I pay them XXXX XXXX a month. So when I called to check to see if they had mailed it, they told me that they mailed it out on the XXXX XXXX XXXX. So I waited a few days and called back, then they told me that they mailed it out on the XXXX and it would take 15 days for me to get it. I asked why does it take 15 days, they gave me a poor reason. They said that the department that takes cares takes a little time. I asked why they couldn't just email it to me, they said they couldn't do that because of personal information. I told them that I really needed the information for business reason, even let them talk with the company that I need the information for. It is now XX/XX/XXXX, and I don't have that letter yet. It is well over 15 days. This company for years have told me that they won't send me anything that shows I am paying them. They keep telling me to use my bank statements as proof. I think every company should be able to provide paper statements or email about where my money is going.
Consumer complaint received 2024-02-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MO)

There was a charge on my Ulta Rewards Credit Card of {$70.00} that is fraudulent and that has been sitting as pending on my account since XX/XX/XXXX. 

I messaged them and this is the message I received : I am with Comenity Capital Bank, which handles your credit card account. I'm here to help with your account needs. 
We apologize for any inconvenience you may have experienced.

We understand your concern, we can verify your account is posted with the retail sale charge of {$54.00} on XX/XX/year>. 

A review of your account shows there are unposted pending transactions of {$70.00} from the merchant with account restriction status. 

The pending transactions place a hold on the available credit limit for the amount of the transaction due to this your account card usage is been stopped working for your payments. 

The pending transactions are set to expire from your account on XX/XX/year>. Until this time, the charges will not be added into your available credit. 

We are also unable to issue a stop payment on pending transactions. If the charges are not valid charges and all of the transactions do post to the account, a dispute will need to be initiated once posted. 
Please be advised that pending transactions are not reflected on the account or current balance and can not be viewed until they post to the account.

For us to best assist you with this concern, you may contact the merchants to see if they are able to remove the pending charges. 

For us to best assist you with this unauthorized charge concern, we ask that you please speak with a live representative. Please call our Account XXXX XXXX at your earliest convenience. 

Thank you for taking the time to reach out. 

Please let us know you if you have any other questions. We're always happy to help. 

I called the number to ask about this and they told me pretty much the same thing the message told me. 

It is now the date they said the charges would be taken off of my account and they have yet to do so.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by IC System, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by IC System , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand IC System, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXXXXXX It has come to my attention that IC System, lacks authorization to pursue debt collections in XXXX XXXX XXXX my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-06-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (AL)

This company is reporting a debt balance of {$690.00} which is negatively impacting my credit score. I never received a letter to dispute the validity of this debt, therefore the debt collector broke the law of the FCRA. I do not have any knowledge of this account that this debt collector claim I opened in the year of XXXX I will like them to provide a copy of my wet signature and proof of my IDENTIFICATION showing that I opened this account, otherwise I will like them to remove this negative tradeline immediately.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I paid XXXX XXXX out of my checking account. Next, I paid XXXX again on XX/XX/XXXX in the amount XXXX from my debit card. I filed a dispute with WellsFargo to get my overpayment. Wells Fargo honored the request. They say the transaction and refunded me XXXX. It should have been over at that point. I was made hole. 
XX/XX/XXXX check XXXX Paid in full XX/XX/XXXX Debit XXXX XX/XX/XXXX debit XXXX XX/XX/XXXX debit XXXX XX/XX/XXXX credit XXXX XX/XX/XXXX credit XXXX XX/XX/XXXX debit XXXX XX/XX/XXXX credit XXXX XXXX debit XXXX ref # XXXX and XXXX - They want to open another claim. I refuse because they don't really understand their own procedure. The first claim XXXX was closed in error by the agent. Prompting her to open the second claim XXXX. 

I have called several time to clear up this simple transaction. It is a mess. As you can see I have been debited 5 times and only credit XXXX. Plus the check has been paid in full. XXXX has removed the XXXX from the account. Monday XX/XX/XXXX when I called the representative stated it was over 120 days and I will receive my funds back. As of today XX/XX/XXXX this has not happen. So I called, only to be told they have an additional day to think about this transaction. I was also told that the XXXX was debited my account accurately by one agent. Another said he did not understand because it should have been a credit and they debited it instead of credit. I have been told by the Executive Team that this was clear ( XX/XX/XXXX ). I would not be charged anymore, hence you not seeing a transaction for XX/XX/XXXX. 

I want my XXXX refunded. I want to close this account. Wells Fargo is no longer competent to handle banking transaction. They made this mess and they can not seem to understand their own mess. More qualified personnel need to be hired. Not degree individual but qualified. They should be able to read debit and credits. Please assist me in getting my money back and closing this account. I have lost confidence in WellsFargo. Their banking practice 's should be audited for accuracy.