davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Over the past year, I have been arguing with Select Portfolio Servicing, Inc. ( SPS ) about an unauthorized transfer from my account and the missing remaining balance in my account. 
Despite the difficulty of the pandemic, I allowed SPS the time and provided all the information they need to investigate the issue. An affidavit of Unauthorized Endorsement or Altered Item was submitted on XXXX XXXX, XXXX and a police report was submitted on XXXX XXXX, XXXX. 

Recently on XX/XX/XXXX, SPS had called me saying that they have finished processing the unauthorized transaction, and recovered my balance. So there is a credit in my account of {$4500.00}, which matches with my overpaid amount to the account. I'm expecting my credit in the closed account to be sent back to me ASAP. 
However, on XXXX XXXX, XXXX, they refused to wire the remaining balance to my bank account, and tole me they will still use the method of mailing a check back to my address. I urged them to use signature required mail service or tracked mail service, and the representative from SPS Ombudsman department, named XXXX, promised that they will send out the check and give me the tracking information within 2 business days. 

On XXXX XXXX, XXXX, I called SPS Ombudsman department again, the representative named XXXX offered no updates or help, and refused to confirm my account information, quote " I can not confirm anything, sir, we are researching here and waiting for response. '' As a financial servicing company, the representative can not confirm whether my money is in my account, nor can they confirm whether a transaction of a check has been issued or not. This is NOT ACCEPTABLE. 

I worry that they will illegally hold on to my balance in the mortgage account for indefinite amount of time because now I can not access my account with my credentials, as they mentioned the account has been paid in full and closed a year ago. And the response from the customer representative is not professional at all about the next steps on how to transfer my mortgage account credit back to my account.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-03-16
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. (NY)

NOTICE TO CEASE AND DESIST XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated XX/XX/ ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

To Whom It XXXX Concern, I am writing to you in regards to fraudulent accounts that have been unlawfully reported on my consumer credit report, which have arisen from identity theft. It has come to my attention that these accounts were reported without proper verification, as required by law. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I demand immediate action to rectify this situation and ensure the accuracy of my credit report. 

I hereby request the deletion of all personally identifiable information from my consumer credit report, with the exception of the following : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX I request the removal of all other addresses as I neither receive mail nor have access to any of them. Please update my address to the one provided above for all future correspondence. 

Furthermore, I request the deletion of any phone numbers associated with my credit report, except for XXXX XXXX XXXX XXXX, which is my sole contact number. 

For privacy reasons, I demand the removal of my Social Security number and date of birth from being displayed on my credit file. 

Additionally, I request the deletion of all information in the employer section. 

As a federally protected consumer, I am entitled to privacy under the Fair Credit Reporting Act 15 USC 1681 and its subsections. Failure to grant me my rights constitutes a direct violation of this law. 

Please acknowledge receipt of this request promptly and provide confirmation once the requested actions have been taken. I expect a timely resolution to this matter within [ insert time frame according to relevant laws or regulations ]. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Unfortunately i was hit by XXXX, i wanted to ask for my only one late payment this hit my account. I was never late and there was XXXX unauthorized inquiry i did not do. please delete the late report on the account and the inquiry i did not authorized
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BMW Financial Services NA, LLC (NC)

On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX  with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX  
The XXXX XXXX XXXX XXXX XXXX   XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX  serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX

I cancelled the additional warranties, annotated in the Lease Contract, the BMW Tire & Wheel Protection ( {$1500.00} ), and XXXXXXXX XXXX Paint Protection ( {$600.00} ).

I requested my refund for the additional warranties, I was instructed I have to receive the refund from BMW Financial Services and the BMW Selling Center. XXXX XXXX XXXX stated I have to receive the refund for the BMW Tire & Wheel Protection from BMW Financial Services. I received email notifications from XXXX XXXX Director, XXXX XXXX. that I had to receive the refund for the XXXX XXXX from BMW Financial Services or XXXX XXXX XXXX XXXX XXXX., Finance Manager, XXXX XXXX.

On XX/XX/XXXX I confirmed and verified with XXXX XXXX  County Tax Collectors Office Tedra Reid, and XXXX XXXX ( Asst. Manager Tag & Title Dept. ) the XXXX XXXX XXXX XXXX / XXXX  was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}.

I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX XXXX XXXX  

Therefore, I am requesting a refund of {$4200.00}.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SD)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 8 late payment and 3 charge offs on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been Wait on payments of an attached copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX, charge off XX/XX/XXXX XXXX requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand Those payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-06-01
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. (PA)

My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that there are no references to you making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. See, 15 U.S.C. 6802 ( b ) In reference to the account with XXXX XXXX XXXX, I have never had any knowledge of, or signed any agreement with the aforementioned company. I was never provided with the option to opt out of the furnishing of my private information to Credit Bureaus and I did not under any circumstance, subscribe or agree to the sharing of my information & I have incurred damages due to the tarnishing of my Financial Reputation without my permission. On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
Consumer complaint received 2023-01-02
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. (FL)

In accordance with the fair credit reporting act ( XXXX XXXX XXXX ) Has violated my rights. 

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 state a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS LENDING CORPORATION (NC)

I am requesting that I can choose a local appraiser or local real estate agent to complete a new appraisal or estimate on my property value, as I am trying to get the PMI on my mortgage removed. XXXX is not allowing me to speak with anyone associated with the PMI department at my lender, Nations Lending. 

I want to remove a deduction on my mortgage of Private Mortgage Insurance ( PMI ). My home has increased in value from {$150000.00} to {$200000.00}. This is information I have gotten from local real estate agents. I was told by a realtor that there is some law enacted by President Obama that allows a bank to choose an out of area appraiser to appraise my home for value by using comparisons on MLS. I have to pay for a new appraisal to get PMI removed. The bank will not allow me to talk to the PMI department so I can ask some questions before I invest in a new appraisel for {$350.00}. An " out of area '' appraisal will not know that locally, a home at this price is sought after and has actually risen to {$200000.00} and higher, qualifying my home to stop PMI. I am XXXX XXXX XXXX, living on social security, and the extra {$45.00} is hard on our budget. 1. I want to know : Is this a Federal law governing home loans? 2. I want to know if I can legally request that a local appraiser or real estate agent to get home value 3. I want to know why I can not talk to PMI department at my lender. 

Here is my information : Loan # XXXX, Phone : XXXX.
Consumer complaint received 2017-05-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

XXXX    XXXX   rides equalling {$180.00}  XXXX  atm withdrawals= {$90.00} {$50.00} withdrawl fee {$13.00} withdrawl fee Checks I paid for but never used {$20.00} Original balance in the account {$12000.00} {$1500.00}
Consumer complaint received 2023-07-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I received several calls from a number that was impersonating a Chase bank branch. It turned out it was someone who was stealing my information, and added my card to their digital wallet. They 18 different withdrawals of varies amounts, totaling to $ XXXXI called chase immediately to terminate my card, and made a claim over the phone. I have opened a claim with chase, which was denied on XX/XX/XXXX, and closed due to saying that it was " authorized ''. I reopened the claim and sent my proof it was NOT my husband or I making these withdrawals, and it was again denied on XX/XX/XXXX. 

The withdrawals were made in XXXX, IL, however my husband and I who are the only ones that have access to the account where both on a trip in California at the time, so neither of us would have been able to make these withdrawals from XXXX, IL. I have documentation of the call log, the withdrawals, the fraud alert text message I got, the text asking to add card to new device, and proof we were out of town at the time of the withdrawals. I need assistance getting this fraud claim to be approved and the funds returned to our account as it was not us who authorized this purchase, and that the chase bank was being scammed and impersonated.
Consumer complaint received 2022-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

This company is trying to collect a debt not owed due to identity theft. I have provided the company with FTC report as well as police report. This company reports a false address. I have lived at the same address the last 31 years.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I called 3 credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. XXXX XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called 3 credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was an erroneous Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that this account will be corrected. XXXX XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I opened an account with XXXX and I tried logging on to make a payment but I was locked out, they said they opened a case and they would look into it as I wanted to recover my account so I can pay it as I have excellent credit. I called a few times and they said they were still working on my case that they would expedite it. I called again and they said the same thing. A month went by and they sent me an email that needed to verify my identity and I needed to upload a picture of my ID, I did as what I was told and never heart back. I went to try and log in a few weeks later and it let me log-in and pay my balances off in full. After I paid it I received a ding on my credit for 60 day and it dropped my credit score XXXX points. I have no other late payments besides this. I would like this removed from my credit as this was not my fault. I may have to sue them because I can't have this on my credit report.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One took over all XXXX XXXX XXXX XXXX cards, due to postal issues ( which were communicated to me by XXXX at Capital One ) I was never informed of this change and never received a Statement nor change agreement. However, I received the new card in XXXX, which is how I knew of the change. In XXXX of XXXX, I used the card for XXXX. From that point, the same postal issue that Capital One already knows about and communicated to me prevented me from receiving any mailed statement. In conjunction with this Capital One sends an email communication to advise you that your payment is late. The problem here is if you already have a capital one profile they do not link the new XXXX  Accounts, so when you use the link nothing shows up but your old Cards with Capital One, so it's essentially a dead link. When I tried to communicate this to first XXXX, then XXXX, and finally XXXX, all they could do was refund me the {$29.00} fee but not the {$40.00} fee. Informing me that that there is nothing they can do, XXXX even advised me that they were aware that there were postal issues preventing me from receiving statements but as she stated " It wasn't Capital One 's Problem '' This quite frankly is a deceptive and unfair practice and I just wanted to report it so others who may not know of any proper recourse don't experience this unfair practice by Capital One. Not to mention I'm sure I can use my {$40.00} far more than Capital One.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

On XXXX XXXX XXXX I contacted Equifax and informed them that my {$10000.00} personal loan with XXXXXXXX XXXX  was paid in full and the account was closed. Equifax sent me mail indicating ( received XXXX XXXX XXXX  ) that the information they have in their file was " Verified As Accurate ''. The information is NOT accurate because I do not have a balance on this account and my credit report still shows a balance!!!
Consumer complaint received 2022-09-10
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.