davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (FL)

This company keeps calling harassing me about XXXX XXXX aka person. 
Each time they called I explained they have called the wrong number and remove it and stop calling me at work. They have not, they continue to call. 

Called XX/XX/XXXX @ XXXXXXXX XXXX  Called again XX/XX/XXXX @ XXXXXXXX XXXX Called again XX/XX/XXXX @ XXXXXXXX XXXX
Consumer complaint received 2024-04-10
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. (IN)

After multiple attempts at a fair and accurate report I find myself here submitting yet another complaint to the CFPB regarding XXXX XXXX XXXX, XXXX and Transunions reporting of an alleged debt on my credit file. 

The account has been consistently updated as charged off every month. This perpetual updating of the payment history is highly irregular and misleading. A charged-off account should not include an active payment history, as it falsely manipulates the statute of limitations. 

XXXX XXXX XXXX and the credit bureaus failure to accurately report this account has not only damaged my credit score but has also violated my rights as a consumer. Despite my repeated efforts to resolve this matter directly with XXXX, they have chosen to neglect their responsibility to investigate and correct this error.
Consumer complaint received 2023-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

US auto sales have sent out of business. Sold my contract to a third party debt collection agency called Westlake portfolio. My loan became a debt that negatively impacted my credit score. Not only hasnt my credit score been updated but now Im paying for warranties and gap that are not honored by the transferred party.
Consumer complaint received 2024-02-21
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC (AZ)

XX/XX/2024 Subject : CFPB to take off negative score. To : Credit Union XXXX XXXX XXXX XXXX Early Warning Services Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15USC 6802. Thank you.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (SC)

Appx. XXXX months ago, I have requested a statement showing that I owe this debt. I advised XXXX ( XXXX ) representatives & Southwest Credit, that I would pay it in full, if there is in fact a balance. Both have advised me that there are no statements available.

This debt has been disputed XXXX  times with no resolve.
Consumer complaint received 2023-10-01
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)

Equifax, I was a victim of identity theft and there's an unauthorized hard credit inquiry that needs to be removed immediately- please see below and attached. 

The unauthorized hard credit inquiry is - XXXX XXXX  - XX/XX/2023 Please see attached for my drivers license, social security card, address, and FTC complaint.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and 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
Consumer complaint received 2023-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I enrolled in auto payments with my credit card in XX/XX/2023 and was approved on the app for the lender. In XX/XX/2023, the student loan company requested that I use a checking or saving account so I chose a savings account. I attempted several payments in XXXX and received an email from the student loan company stating that they received a payment. 4 days later I received an email stating that my payment was missing. As soon as student loans began in XX/XX/2023 Aidvantage removed their app for smartphones and I was informed that I would need to sign-in online going forward. 

I proceeded to contact the student loan company and was told to inform my bank to allow the third party company access. I contacted my bank and was told that there was no reversal of a payment as they never received a request from my student loan company. I confirmed my account number and bank routing number with my bank. I contacted my student loan company in XX/XX/2023 and experienced the same issues. The student loan company stated that the payment were reversed by the bank and asked if I could make another payment. I attempted to make a payment with my checking account and the payment processed while on the phone with the representative. I noticed 2 days later that there was no attempted withdrawal pending in my checking or saving account, but it was reflected on Aidvantage website. Yikes, it shouldn't be this difficult to pay off a federal loan. What is Aidvantage doing?
Consumer complaint received 2024-02-21
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

2nd time around complain. 

Original complain XXXXwa resolve according to company and XXXX statement. 

And yet its started again in XXXX. 
Promotion plan have no interest fee charged, but statement show interest fee again.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

On my XXXX account, I requested for the statement " disputed by customer " to be removed from all three credit bureaus but it's still on my credit files. This should be deleted immediately.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bull City Financial Solutions, Inc (NC)

My purse was stolen during a football game in XXXX  included in my purse was my driver 's license and social security cards. I made a police report and was advised to continuously monitor my credit report. I recently requested a copy of my credit profile and noticed accounts and inquiries that are not mine nor do I have any knowledge of. I've contacted both XXXX and XXXX requesting verification in attempt to get this resolved. Neither company have provided an updated or resolution. Furnishing this information to my profile is violating my consumer rights specifically 15 USC 1681B, furnishing any information without my permission or written consent, and 15 USC 1681 C-2, furnishing accounts due to identity fraud. These accounts and credit inquiries that I have no affilation with are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX include XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Im not sure who has been trying to gain lines of credit, but its severely impacting my credit profile.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

XX/XX/XXXX, I opened mail that looked to be a debt collector. It was from XXXX, saying I owed {$800.00} as of XX/XX/year>. I have no XXXX account open! I called the debt company which is Southwest credit Systems. They read me back all my information including my social security number and the address XXXX XXXX XXXX XXXX, il XXXX. I have never lived in XXXXXXXX XXXX! I did some research on the internet for public information. I only found a possible owner of the home, XXXX XXXX XXXX XXXX that works at XXXX XXXX  XXXX. I found other names linked to the address and strangely they are all workers of XXXXXXXX XXXX XXXXXXXX. I dont know how these people stole my information and how am I just finding out. I need answers and if I need a lawyer I can do that.
Consumer complaint received 2024-01-02
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: General Motors Financial Company, Inc. (TN)

I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

In accordance with the fair Credit Reporting Act the creditor of XXXX XXXX and Discover has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681, section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.
Consumer complaint received 2018-10-08
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

SPS will not furnish all original documents sent to them from borrower XXXX XXXX XXXX -XXXX  . Borrower used my information to secure a trial period payment option and I requested from SPS the documents that were submitted. SPS stated that they have no clue of this person, address nor the account.
Consumer complaint received 2024-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Alabama Housing Finance Authority (AL)

XXXX is taking almost a month to post my payments. They are currently damaging my credit because they are reporting that I am more than 50+ days delinquent. I am not. I owe for this current month of XXXX. I mailed them payment during the last week of XXXX. Today I received a letter from them stating foreclosure is immanent. Once again, I am not even a month behind. I have called several times and been told I can pay to do a stop payment on the check and pay them some other way or send my payment to a different location other than the one listed on the payment statement. The payment has already been sent, so I can not change it's address. I used the statement coupon that had their pre printed address. I have no reason to believe that they have not received the check as they have cashed the XXXX payment that was sent at the same time. My bank says they need appropriate time to stop payment, and I am currently dealing with financial hardship and can not afford for XXXX to process double payment. 
The representative was rude and behaved as if she thought we were " adversaries '' in the street. I had to ask her why she was speaking to me in sick a manner. 
XXXX is currently holding $ XXXX in escrow over payment because they say my mortgage is not current. Once again, payment have been submitted for every month except this one ( XX/XX/2024 ). 
I asked to speak to someone that could help, I was denied. I also informed the representative that I felt I was left with no choice but to complain to all financial regulators and was told to " do what you feel ''. Please help me and all Alabamians subject to this terrible company.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Neighborhood Autos, LLC (TX)

The account WISE CREDIT LLC XXXX  was to be removed from my credit report upon account being paid satisfactorily. This account has since been paid and closed since 2019. I am confused as to why XXXX is still furnishing this data. Lastly, the information being reported, such as the payment history, and date last active is incorrect. Please remove this account due to the original agreement and for FCRA violations. Please see the attached credit report.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (PA)

This is a formal complaint that dept of education is being non compliance as well as dealing in deceptive practices. My conclusion is the strength of following. In XXXX on I wrote dept of education a dispute regarding they sharing personal information to which was a violation of my privacy as well as the graham leaked bliley act to which their response to the complaint was In accordance with our agreements with Department of Education, we furnish your account data to the consumer reporting agencies. As a data furnisher, under the Fair Credit Reporting Act, we have an obligation to ensure the data we furnish is complete and accurate. Any information we share is in accordance with the U.S. Consumer Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal Enclosed is a copy of XXXX privacy notice, which states that for everyday business purposes such as to process your transactions, maintain your account, or report to credit bureaus, we do share your information and you may not opt out of this sharing ( plz refer to complaint number XXXX ) .However under 15 us code section 6802 obligations with respect to disclosure of personal information states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. To which department of education did not do and furthermore they stated in their response that I may not opt out to which is a clear violation of the law stated above as well as 15 usc 1681a2.
Consumer complaint received 2023-12-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc. (CA)

Last year I was asked by my doctor to visit a XXXX by name XXXX XXXX. I presented my insurance card. They said the payment would be XXXX dollars every session. I agreed. After XXXX sessions I had scheduled next week sessions. When I reach there next week they said they have canceled all the scheduled appointments as they dont take HMO anymore, they didnt know mine was a HMO. I had presented them my physical insurance card.If they had told me per session it is XXXX dollars I would never take the treatment, I was working as a XXXX, I cant afford that money, from last XXXX months I am jobless due to injury.They didnt treat me, they didnt inform me before canceling the appointments, I was not treated as a patient. Now they are torturing me to pay the money.Person there says XXXX per session but the total bill is XXXX dollars. Collection company says XXXXI have not received any papers, when I look at my credit report there it says XXXX months late already and charged interest as well
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX via Certified Mail XXXX. XXXX I submitted to Capital One, N.A i exercised my right to Privacy via 15 USC 6802.

12 CFR 1016.7 also expresses my rights to OPT OUT of any information I choose as a consumer with rights to Privacy per the Privacy act of 1974 and the listed USC codes within this complaint. 
Capital One, N.A responded and has chosen to deny my rights I've exercised per 15 USC 6802 and CFR 1016.7 as I have written a letter to do this because they have 12 CFR 1016.7 ( iii ) Unreasonable opt out means. Nonetheless my rights were exercised and negligence by Capital One, NA, XXXX, and XXXX are all apparent. 

Within another complaint made with CFPB regarding this situation regarding my right to opt out, XXXX has honored my request. Their reinvestigation concluded and have fullfilled my opt out request after they said to have reached out to the furnisher " CAPITAL ONE, NA. '' What reason is there that XXXX reached out to Capital One, NA and honored my request but XXXX and XXXX have not. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Capital One, NA has been notified of my OPT OUT. I have revoked their power to disclose my personal information.

THE CFPB has a duty to enforce per 15 U.S. Code 6805. THE CFPB is aware of the negligence CAPITAL ONE, NA, XXXX, AND XXXX are all committing. evident. 

Any and all consent to XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in regard to any/all accounts pertaining to Capital One, NA.

Consumer Protection Finance Bureau ( CFPB ) must enforce my rights to OPT OUT being exercised per 12 CFR 1016.7 ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

( i ) Duration of consumer 's opt out direction.

( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX, I tried to trade in my XXXX XXXX XXXX and was told there is still a lien showing on my title. I paid the vehicle off on XX/XX/XXXX. The loan was with BBVA/Compass Bank . On XX/XX/XXXX, I called PNC bank customer service and spoke with someone in their auto loan service department because they acquired Compass Bank in XXXX, and I was unable to reach anyone at Compass Bank to provide me with a lien release letter. I asked the PNC representative to help me get a lien release letter. He took my SSN, full name, and was unable to locate anything about me or any record of a loan in the PNC system. He told me I needed to visit a branch location and ask them to research my issue with their title team so they could look for my loan information in their archives. 

The closest branch is in XXXX, NC - about 8 miles away ( a 30 minute drive for me ), so before I went in person, I called and spoke with someone in their customer service department ( his name was XXXX XXXX. He explained to me that nobody at the branch can help me and that they get erroneous requests like this a lot. He then told me to call customer service again and ask for someone in the auto loan department. I explained I already did this, and he said that this is the only option to get help, and I should just keep calling them until they actually help me. 

In lieu of calling back and not getting help, I am filing this complaint. It seems that someone at Compass Bank failed to release my lien when my car was paid off, and since they have been acquired, it seems that PNC is unwilling to help me get this processed so I can trade in my vehicle for a new one. Can someone please help me get this lien release letter?
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Date Opened XXXX {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}