davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
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: General Motors Financial Company, Inc. (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-13
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: SANTANDER HOLDINGS USA, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Consumer complaint received 2024-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

We have had a mortgage with Penny Mac loan services since 2013. We had a few partial payments between the months of XXXX XXXX and Ive spoken with them repeatedly throughout it the process to receive their services and followed the instructions applied. I again spoke with Penny Mac Supervisior. We have not received a document in the mail We had change of emplyoment and lost family members which we didn't work a few months. We were trying to get a program where it wouldn't reflect late payments. They still reported late payments. We are rectifying the situation to get removed the late payment history. We are now resulting and having a 60 day past due or more to our credit affected when We are disputing this because we have been ahead regardless and this was unexpected situation. The point is that Penny Mac bank is supposed to report factual accurate information which they are in this case of the partial payments & not having funds approved in full, yet they are leaving out the facts that we made partial payments to avoid them reporting against us. So as they state that we are behind on a payment due to a small life crises. I request that they state the full facts in regards to this situation & remove credit hit completely. Its unfair & cruel to only give partial facts to plead their case & refuse to help or provide documents & additional services to plead the case in its Full Content.
Consumer complaint received 2024-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DRB-40, LLC (MD)

I was called by Diversified Recovery Bureau, LLC about a debt of {$1600.00}. Reference # : XXXX I told Diversified Recovery Bureau , LLC I didn't know what debt they were talking about and to send me a statement of the debt information so I can analyze it. 

Upon receipt of the debt information in the mail, I realized I did not receive any services from XXXX XXXX XXXX and this debt was not mine. 

I called the number provided by the Debt collection notice from Diversified Recovery Bureau , LLC : XXXX XXXX on Monday, XXXX at XXXX XXXX. Upon request of verification of debt of services from XXXX XXXX XXXX, XXXX XXXX, " I think this conversation is over ''.
Consumer complaint received 2023-08-29
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MI)

Made purchase from merchant XXXX. Item was not as described. I reached out to seller and the sellers communication wasnt coming through. I filed chargeback. Paypal requested I send the item back XX/XX/XXXX. Item was delivered to seller XX/XX/XXXX. Email stated I would get a refund upon receipt. I was then asked again to upload tracking info XX/XX/XXXX. I have not received a refund, no longer have the item, and tomorrow marks 90 day mark. Paypal can not reach a decision or do anything until the bank does.
Consumer complaint received 2024-06-13
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: PENNYMAC LOAN SERVICES, LLC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NC)

Today I called a collection agency called Jefferson Capital Systems. This agency has posted a debt purchase from XXXX, which dates back into XXXX. However, in XXXX the account was posted with another collection agency called XXXX XXXX, XXXX. I did make arrangements with that company, the account weas paid and then removed from all of my credit reports. Now comes Jefferson Capital Systems, claiming on my XXXX report that they are a debt buyer, and that the account comes off of my credit report in XX/XX/XXXX. This is totally fraudulent. When I called XXXX, the agent claimed that the debt is too old to collect on. I never received anything in the mail pertaining that they had my personal information. This company needs to be closed by the CFPB for totally fraudulent collection practices and identity theft. No such debt was ever purchased, and my credit report was ruined by this destructive collection process. The account needs to come off of all credit reports immediately, and I should be compensated for damaged caused by Jefferson Capital Systems. XXXX XXXX
Consumer complaint received 2024-06-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NY)

I had filed a complaint with the CFPB against Sequium Asset Solutions as they were attempting to collect a debt I did not owe ( XXXX XXXX XXXX  ) and failed to provide information as required under FDCPA, but they did address incorrect credit reporting. However, it appears Sequium Asset Solutions has since sold the debt to yet another debt buyer, to XXXX XXXX XXXX ( this is how their name appears on my credit report ). This new debt buyer is trying to collect on the same debt that I do not owe, and the previous debt buyer likely violated FDCPA and other credit reporting and collection rules by selling/transferring this debt. This has risen to the level of harassment, possibly rule violations related to these debt buyers ' collection tactics. I have advised this is not my debt, I even called the alleged original creditor ( XXXX XXXX XXXX  ) as I was worried about identity theft, but they could not find me in their system as ever having an account. In fact, as I have explained to the previous debt buyer, I have never had an XXXX XXXX XXXX account of any kind, I have never owned an XXXX, and I have never lived at the alleged address associated with the debt.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WA)

XXXX and XXXX payments were made from my bank for {$390.00} @ which was a double or overpayment to XXXX credit card. Not sure if glitch their system or my mistake? Contacted them XX/XX/XXXX about it and rep said they would send refund check but takes up to 14 days so I said Id rather leave credit on my balance and just use card instead but she said she had already processed refund check so asked her to cancel it and she said she did but next day my account said a refund check was being sent so spoke again with a rep who said would cancel, but next day refund check posted to my account. I called again spoke to a XXXX this time who swore it was now being cancelled and check had not been mailed out. She said would take XXXX days to post my credit card account. Called a few days later and spoke to another XXXX who said it was cancelled and would be on my credit card by XX/XX/XXXX and call back if not by then. I had already received the mailed refund check but was told now it was cancelled so I couldn't deposit it. Called on XX/XX/XXXX and now was told it could take 30 days XX/XX/XXXX for them to put My money back into credit card balance. New bill due XX/XX/XXXX bal due is {$390.00} so if they dont credit me in time they will charge me interest on money XXXX XXXX XXXX. This is Fraudulant.
Consumer complaint received 2023-09-20
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. (NE)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc. (FL)

Amsher Collection Services was placed on my credit without any prior notice or knowledge of any debt. I never signed a contract with this company or am bound by contract with this company. I contacted them and they said that XXXX XXXX an attorney was handling this alleged debt. This is not the information reported on my credit report and I believe all information to be false. When I filed a dispute, the company changed the way its name was prior. Please remove this information from my report immediately.
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Continental Finance Company, LLC (CT)

This letter was received in the mail at my home, an emailed to me at a work address. The letter states that my application for their credit card is missing information to be processed. I was taken aback, because my first thought was that I had just gotten a new store credit card, also a XXXX, so that maybe this had to do with that card. But as I really thought about that, the store would have already taken all the information to XXXX me instant credit access. 

When I saw the email at my work account, I thought maybe it had to do with a medical expense card/HSA card ; however, this particular employer is strictly now per diem, so I wouldn't have a card like that coming through to me. 

There is no contact information listed on this letter ; only a website to where I can upload the " missing '' information. When I finally was able to find a number on the internet and get a person on the phone, he politely declared to me that " this was just an advertisement. '' The letter, paraphrased, states, " Thank you for applying... we need the following information to continue processing, within the next 30 days. '' No where in the letter or in it's fine print, is it made clear that this is an advertisement or marketing attempt to enroll someone to a new account. 

This letter really bothered me, because I know I have elderly family and less critically thinking friends, who would have likely sent this information to the website, as instructed. It is not just misleading, but it blatantly lies by declaring, " Thank you for applying ... '' This is just a scam, in order to collect personal information and issue high-rate credit cards.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (WI)

I had an alert on my phone that my XXXX ID had been used to log in in a different country this morning. Shortly after I received an email stating that there was a hard inquiry on my credit report when I checked it it was from American Express. I called American Express and they told me they have no knowledge of a credit check being ran in my name. I would like to figure out how and why this happened and stop it if someone is attempting to commit fraud against me.
Consumer complaint received 2024-06-12
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: Nelnet, Inc. ()

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-28
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: Mercury Financial Intermediate LLC (LA)

Dates : XX/XX/2023, XX/XX/2023 and XX/XX/2023 Amount : {$3300.00} Action taken : I sent a dispute letter
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

First national bank never sent me my account number, but did send me my debit card. Deposited {$100.00} in my account upon sign up, now XXXX cant access it. Customer support will not help me without my account number, but they never sent me it. They tell me to use the secure message center, but I cant enroll because I was never given my account number. Upon trying to close the account, they refuse. 

Its extremely predatory and downright illegal to steal money in this manner.
Consumer complaint received 2024-07-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DSW Carolina, LLC d/b/a Resource Services (SC)

Resource Services placed a collection account on my XXXX credit report from XXXX. The information presented on the credit report is fraudulent. There is no address from the original creditor. The statement shows as an open collection account, but there is nothing verifying the dates from the original account. I feel that this a form of harassment.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: NexGen Proceed, LLC (LA)

On XX/XX/XXXX I was desperate for medical help and ended up going to XXXX XXXX 's XXXX XXXX. From the get-go they demand you take an upfront loan of ridiculous proportions without promise of an end result ( XXXX XXXX upfront ), and I fell into the trap as I was desperate for relief. They signed me up for a 5 year loan to pay off my 6 month " treatment '' where I would go into their office twice a week to sit in a dark back room where I sat on a grounding pad, put my feet in water and electric pulse devices stuck to me for XXXX minutes. They have you pay for XXXX to XXXX supplements at a time from them only and and you have to pay for your own bloodwork too ( {$400.00} extra every 3 months ). By the final month when nothing had improved, suddenly I was berated for not taking the supplements as necessary because I couldn't AFFORD buying more and more because they already had me strapped from the loan and bloodwork and transport to/from their facility! 

I felt bitter and scammed by the end in XX/XX/XXXX. 6 months and no way to take it back at any given point because it was an upfront predatory loan that I couldn't escape at an earlier point so I just grinned and bared it. I'm stuck paying {$360.00} a month on a scam that did nothing for me as someone with a chronic disability. I'm a singular person barely making ends meet and had to open a gofundme at one point so I could pay my bills. Most of the other patients I was there with also complained about the same issues I was experiencing of nothing working out for them. 
The loan itself is with Proceed Finance that they signed me up for from the XXXX XXXX.
Consumer complaint received 2024-06-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (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 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAVALRY INVESTMENTS, LLC (CA)

All of the accounts listed on my credit report were bought from original debter. Also they increased from what was the original amount owed, and some have exceeded the time to be listed on report. All three bureaus have not change/updated my credit report.