davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 US. Code 1681c-2 a consumer reperting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in Violarion o this law because i am a victim of identity theft!! please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b
Consumer complaint received 2023-03-12
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: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, 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. (IL)

I noticed on consumer credit reports that theres unauthorized inquiries on my XXXX, XXXX and Equifix reports. Someone applied for something using my name and SSN. I am uploading supporting documents that the Illinois XXXX XXXX XXXX XXXX website was breach by hikers and important information was breach
Consumer complaint received 2024-04-17
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: National Credit Systems,Inc. (FL)

I did notice that each time I log into my credit report there is an account that has been being reported for the last 5 years that is putting me in financial debt an had became a financial XXXX on me me and I am unable to rent or become a home owner and due to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.This Company National Credit Systems is reporting fraudulent inaccurate information on my credit report.I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION (CT)

In XX/XX/XXXX I took out a loan with Regions Bank for the purchase of a personal vehicle. Over the course of the loan there has been a couple issues with payments not being applied correctly or in a timely manner. 

On XX/XX/XXXX I submitted vehicle loan payment to Regions Bank for the amount of {$800.00}. Approximately one week later Regions Collections dept called and advised that they have not received payment and needed payment to be submitted at once to keep the account from going to collections. At this time I contacted my bank ( XXXX ) and received a proof of payment AND a copy of the check that was sent to Regions. This copy of the check was endorsed/signed. This info was provided to the collections department ( XXXX ) on XX/XX/XXXX. XXXX advised that she was going to have to escalate this issue and have it investigated by Regions. XXXX also advised that Regions would contact me and let me know the status of this issue. On XX/XX/XXXX I contacted the collections dept again and was told that they still did not have any resolution and I should speak to a supervisor. I was given the name of XXXX and spoke to him on Monday XX/XX/XXXX. He also advised that this was going to need to be investigated by the Region team and to call back on XX/XX/XXXX. At this time XX/XX/XXXX I also submitted a copy of the proof of payment and a copy of the endorsed check to XXXX. On XX/XX/XXXX I contacted XXXX regarding the issue with this account. He stated that Regions did look into the account even after reviewing the XXXX supplied Proof of Payment and copies of the check Regions will not apply the money to my account. Regions stated that it is up to me " XXXX '' to prove to Regions that the check has been cashed. 

Regions has provided no assistance in correcting this issue other than advising me that they supposedly do not have they money and I need to prove to them that they have the money before they will apply the payment to my account.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Account : XXXX I have spoke with credit acceptance many times to remove their negative and fraudulent claims against me but they have denied my rights as a consumer, property owner, and equitable title owner. 

I ask them to produce each of these items - The original active lien on my vehicle from XX/XX/2023 to XX/XX/2023. 
- The original wet ink promissory note to verify that who endorsed it and if this company is the note holder. 
- My original copy of the 1099-C - Signatures of the original creditor, borrower, and notary Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS. 
15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
- ( 2 ) Duty to correct and update information - A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( 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. 

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Manhattan Beach Venture, LLC (NM)

I do not owe Student Loan Relief Department " SLRD '' any money as they did not apply for a loan relief or any other services for me but I applied myself and as a matter of fact they do not have my wife 's SSN which is necessary to apply as we file taxes jointly. XXXX XXXX, XXXX XXXX, and XXXX XXXX know that I do not owe any money and slrd never applied for me and I have email proofs from them. This happened many times before slrd or their collection try to collect this money from me and when I contact them they say it was a mistake and no one will contact me any more then few weeks later they come back and try to collect the money again. Please check their F rating in BBB and their failure to respond to any of the complaints filed against them. Please help thousands of students this company trying to rip off by stopping their illegal practices to collect money they are not entitled to.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (CT)

PENFED YOU ARE HEREBY PLACED ON NOTICE OF A REQUEST FOR ACCOUNTING INFORMATION UNDER G.A.A.P. WHICH ARE RECORDS DEMANDED BY FEDERAL LAW TO BE MAINTAINED AND UNDER XXXX. XXXX UNDER UNIFORM COMMERCIAL CODE 9-210. 

ALL THAT NEEDS TO BE SAID IS IN THE NOTICE I AM FILING THIS COMPLAINT TO MAKE THE CFPB AWARE OF MY NOTICE TO HOLD YOU ACCOUNTABLE THROUGH THE CFPB SO YOU SO CHOOSE TO IGNORE IT. 


I HEREBY EXERCISE MY RIGHT TO RESCISSION AND RESCIND ANY AND ALL POWER OF ATTORNEY AND SECURITY INTEREST YOU HAVE ASSUMED ON MY BEHALF BY UNKNOWING CONSENT DUE TO YOUR T.I.L.A VIOLATIONS IN PROPERLY INFORMING ME OF THE TRUE NATURE AND USE OF CREDIT. 

NOTICE THE PHYSICAL COPY OF THE DOCUMENT PROVIDED HERE WHICH WAS SENT CERTIFIED MAIL IS IN FACT NOTIRIZED AND IS NOW A LAWFUL DOCUMENT WHICH WILL BE USED AS IN EXHIBIT INCASE MATTERS SHOULD ESCALATE. 

YOU HAVE REFUSED TENDER OF PAYMENT ON MY ACCOUNT AS PER ELECTRONIC FUNDS TRANSFER ACT, BILLS OF EXCHANGE ACT AND UNIFORM COMMERCIAL CODE. PENFED HAS ALSO DISCRIMINATED AGAINST ME BY DENYING ME A GRANTED RIGHT TO CREDIT WHICH IS AN ALIENABLE RIGHT AND A VIOLATION UNDER EQUAL CREDIT OPPORTUNITY ACT BY SHUTTING DOEN MY CREDIT ACCOUNT. I DEMAND YOU PROVIDE ALL INFORMATION REQUESTED IN MY NOTICE WITHIN THE ALLOTTED TIME FRAME. FAILURE TO DO SO WILL RESULT IN WILLFULL NEGLECT AND IN PRIMA FACIE EVIDENCE OF COLLECTION BY FRAUD.
Consumer complaint received 2023-05-27
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

Carrington Mortgage Company has not been updating my balance or the status my loan correctly to all three credit bureaus. Every time I check each month the balance is thousands of dollars off and incorrect. Making my credit score low and my debt higher than it actually is. As of today my balance is {$440000.00} with a pending payment which will lower that balance. On my credit reports it says my balance is {$450000.00}.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I need your assistance in getting the following items removed from my credit file. These items are reporting as a result of identity theft. I have sent dispute letters on XX/XX/XXXX and again on XX/XX/XXXX to all 3 credit agencies with no results. The following items are reporting as a result of fraud : XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$330.00} ( EQUIFAX, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$5700.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$3800.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$320.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1500.00} ( Equifax, XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$1200.00} ( XXXX & XXXX ) XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$220.00} ( XXXX XXXX Equifax ) XXXX - Opened XX/XX/XXXX Bal : {$640.00} ( Equifax, XXXX, XXXX ) XXXX XXXX - Date Opened Bal : ( {$0.00} ) The following items are reporting inaccurate late payment for the following items : XXXX XXXX  - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late in XX/XX/XXXX ( XXXX & XXXX ) XXXX XXXX - 30 days late XX/XX/XXXX - XX/XX/XXXX & XXXX - XX/XX/XXXX XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) XXXX  - 90, 120, 150, 180 days late from XX/XX/XXXX thru XX/XX/XXXX ( Equifax, XXXX & XXXX ) The following inquiries was not authorized by me : XXXX XXXX  XXXX XXXX XXXX  - 9 Times XXXX  - 2 Times XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

Over the past 3 months, Bank of America has failed to close fraudulent checking accounts opened in my name, and has allowed the fraudulent account owner to transfer and withdraw money from this account. I have repeatedly called Bank of America customer support about this, with the lowlight being a XXXX hour phone call around XX/XX/XXXX where I was bounced around between XXXX customer service agents. After the phone call in late XXXX, I was assured that the account was closed. Several days ago, Bank of America mailed me ( to my parents ' residence, which is my old address ) an account statement for the fraudulent account. This statement shows an active account that was created fraudulently with my identity. 

Bank of America has told me repeatedly that this account ( and other fraudulent accounts that have been created ) were closed, and I am now finding that they have not delivered.
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

1. Comenity Bank violated Contract Law by closing, adversely reporting on, and then selling my TORRID consumer credit card account ( and all personal information tied to it ) to XXXX XXXX XXXX, thus bypassing the contracted Arbitration Clause. ( See attached ). 

2. Comenity Bank has caused damages to my person by falsely claiming the charged off credit card account caused damages to their company. This contradicts their companies XXXX, filed with Securities & Exchange Commission ( Commission file number XXXX ) wherein it states on page F-30 : " An asset-backed security is a security whose value and income payments are derived from and collateralized by a specified pool of underlying assets in our case, our credit card loans. The sale of the pool of underlying assets to general investors is accomplished through a securitization process. We regularly sell our credit card loans to our Trusts, which are consolidated. The liabilities of these consolidated VIEs include asset-backed securities for which creditors, or beneficial interest holders, do not have recourse to our general credit. '' 3. Comenity harmed me due to their failure to properly handle the custodial account. The account was supposed to be set-off by Comenitys trustee, with the initial promissory note that was securitized, thus funding the account. It was the trustees fiduciary duty to balance the books for the account, and pay the dividends owed to me from securitizing my receivables, monthly. 

Per the Securities Exchange Act Rule 15c3-3 and Related Interpretations : 15c3-3 Customer protection - reserves and custody of securities.

15c3-3 ( a ) ( 1 ) The term customer shall mean any person from whom or on whose behalf a broker or dealer has received or acquired or holds funds or securities for the account of that person 15c3-3 ( a ) ( 1 ) /01 Customer/Non-Customer Classification Certain accounts shown on the books of the broker-dealer shall be classified as customer or non-customer as follows : Customer - A broker-dealer to the extent it maintains an account designated as Special Custody Account for the Exclusive Benefit of Customers of ( name of broker-dealer ) which meets the criteria described in interpretation 15c3-3 ( c ) ( 7 ) /01 ;
Consumer complaint received 2024-04-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

1. Comenity Bank violated Contract Law by closing, adversely reporting on, and then selling my ULTA consumer credit card account ( and all personal information tied to it ) to XXXX XXXX XXXX, thus bypassing the contracted Arbitration Clause. ( See attached ). 

2. Comenity Bank has caused damages to my person by falsely claiming the charged off credit card account caused damages to their company. This contradicts their companies XXXX0k, filed with Securities & Exchange Commission ( Commission file number 001-15749 ) wherein it states on page F-30 : " An asset-backed security is a security whose value and income payments are derived from and collateralized by a specified pool of underlying assets in our case, our credit card loans. The sale of the pool of underlying assets to general investors is accomplished through a securitization process. We regularly sell our credit card loans to our Trusts, which are consolidated. The liabilities of these consolidated VIEs include asset-backed securities for which creditors, or beneficial interest holders, do not have recourse to our general credit. '' 3. Comenity harmed me due to their failure to properly handle the custodial account. The account was supposed to be set-off by Comenitys trustee, with the initial promissory note that was securitized, thus funding the account. It was the trustees fiduciary duty to balance the books for the account, and pay the dividends owed to me from securitizing my receivables, monthly.

Per the Securities Exchange Act Rule 15c3-3 and Related Interpretations : 15c3-3 Customer protection - reserves and custody of securities.

15c3-3 ( a ) ( 1 ) The term customer shall mean any person from whom or on whose behalf a broker or dealer has received or acquired or holds funds or securities for the account of that person 15c3-3 ( a ) ( 1 ) /01 Customer/Non-Customer Classification Certain accounts shown on the books of the broker-dealer shall be classified as customer or non-customer as follows : Customer - A broker-dealer to the extent it maintains an account designated as Special Custody Account for the Exclusive Benefit of Customers of ( name of broker-dealer ) which meets the criteria described in interpretation 15c3-3 ( c ) ( 7 ) /01 ;
Consumer complaint received 2016-12-23
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Car Cash of Lawrenceville LLC (NC)

Recently I began to be harassed via text messages by this compa ny. Car Cash of Lawrenceville.  Located in  XXXX  GA.   XXXX   XXXX   accepted my payment agreement for this months payment and because I asked to please stop texting me at work, she began to get nasty and advised that I must pay the corporate office not only this months payment that is due  XXXX   XXXX     XXXX    but also next month 's payment due on  XXXX   XXXX   XXXX  immediately. She is being spiteful and threatening a warrant for my arrest and says if I do not bring the car in immediately they will reposess it. I am not 30 days late. My due date is  XXXX   XXXX   XXXX  and I advised  XXXX  that I would pay that before the end of the month which she said was actually ok to pay by the middle of  XXXX . I have attached the text messages and her latest email to me advising that I owe more fees and money than my knowledge. She and  XXXX  who also calls herself  XXXX  on my voicemail have told me they will not accept my monthly payment without  XXXX  's included. I never signed paperwork that I must pay a payment month in advance. I am paying my responsibility to them and because I did not give her exact dates on the spot and asked her to please stop texting me during work hours, she now is angry and demanded full payment or my vehicle!! I have been paying this title loan since  XXXX    XXXX   and even if I was late with any payments   XXXX   advised me that it was ok as long as I communicated that with her and the next date that I can pay. Now I am afraid for my life and my children 's as these people are threatening my safety and saying that I have to go to court in order to keep my car,,, but for what?? I am within a week of my due date and they say they will not accept it. I also did not sign paperwork in my initial ; contract that they can reject a payment without reason whenever they choose. Please Help!!!