davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

THIS IS NOT THE SAME COMPLAINT!!! I have new and updated information in reference to complaint # : XXXX. On XXXX XX/XX/2022 I filed complaint # : XXXX with the CFPB disputing the alleged accounts and reported late payment, XXXX  account # : XXXX and XXXX  account # : XXXX, as well as outlining how your company violated my rights as a consumer under 15 usc 1681. Your company ( Experian ) responded XXXX XX/XX/2022 through CFPB alleging that the referenced account ( s ) were verified. This was well past the 30 days congress gives the credit agencies to respond. This is a violation of 15 usc 1681i ( a ) ( 1 ) ( A ). I am exercising my right under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. Due to the fact that this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information along with their address and telephone number, and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I am demanding the following : Which neighbor did you speak with? Which associate did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently removed from my consumer report. Your company shall immediately cease and desist any and all collections of this alleged debt because you no longer have the right to assume it is valid since I have already disputed the entire amount in my previous letter.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc. (KS)

Someone alerted me that if you go to XXXX and search for Avant Logon and hit on the response. The Avant login screen comes up with my email address in it. She had 2 reasons to reach out to me by email. First, she wanted to verify that it is a real email address. Secondly, she wanted to make me aware of what is happening. 

https : //www.avant.com login Prior to calling Avant, I had a friend try it and watched as my email address come up pre-populating on the login screen. I called Avant. The rep told me to clear my history. I asked how that would affect what is coming up for other people. I demanded a manager. I finally got one and he spoke down to me. He said that I should get someone, who knows about computers, to explain to me why that couldn't happen. I changed the email address on the account and closed it.

I am a XXXX XXXX XXXX. I started building rudimentary computers when I was a kid. I was being taught by computer engineers at XXXX XXXX. I have built every one of my computers. I am not a computer idiot. 

Last month, I started getting emails from Avant that I had tried to many passwords on my login, so they had locked the account and I should follow the instructions in the email to get my account unlocked. I called and explained to the manager that I had not trued to get into my account since my payday in the prior month, when I signed in to pay the bill. I had them change my account number and send me a new bill. I finally have the card, but I have now closed the account. 

So this problem didn't start this week, it started almost 2 months ago. 

I just got an email from someone else wanting to know if the email address was real and why is it coming up when she goes to login to Avant on her computer. She is going to call Avant.

I called Avant again. The rep told me that I have already been told to clear my history and that what I say is happening, can't be happening. She says she tried it and didn't get it to happen. Maybe because they are somewhere in XXXX and something is happening between here and there. I just do not believe that they have tried it. 

I don't know where to go from here. The first person who alerted me to the problem suggested I file a report here. I wonder if I need to get a lawyer. 

I am attaching a screen print of what comes up. 

On the next screen, you ask for a card number. I am looking through my mail for the new card so that I can give you the current card number. In searching, I just opened a letter saying that they have been trying to reach me regarding the fraud I reported. I reported that someone or more people are trying to get into my account, since I was not trying many logins causing them to lock the account. I never mentioned the word fraud.
Consumer complaint received 2021-09-30
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. (DE)

Reference # XXXX, concerned that my issue is not resolved. The company has not disclosed to me who is their data furnisher. I requested for verification, validation and certification of data source for the inaccuracies on my credit report. The company did not answer to my request but was able to respond with jumbled up words cut and pasted from their existing template. 

I demand that information referenced herein be deleted because they have not disclosed who furnished the bankruptcy information on the report.
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

Federal Student Loans are still in pandemic relief status, however Navient, my servcing company tells me I have missed a payment and charges me an {$8.00} fee. I have paid this loan throughout the pandemic, but in XXXX, I was unable to make any payment, which should be my option at this time. However when I log in I get a message that I still owe money and there is the above amount added to my account as a fee.
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported fraudulent activity from my Bank of America checking account on XX/XX/2021. After being told that the bank would investigate my claim, they closed my case citing insufficient grounds to investigate. After providing additional information to support my claim via numerous customer support calls and a written letter ( faxed XX/XX/2021 ) providing more details to support my case, my claim was once again closed without escalating or investigating the claim any further. The bank did not even contact the merchants in question. I have again submitted a letter ( faxed on XX/XX/2021 ) to reopen the claim but the bank has not provided any indication of the status of my case or the timeline for when they expect to resolve the matter.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NC)

TD Bank wants me to drive while XXXX to another state in the middle of a hurricane to sign a signature card because they failed to get one from me after having me open up an account over the phone. The money originated from an account with a signature card on file. This puts not only my health at risk but my XXXX  heath at risk. Last night we had tornado 's came through and TD Bank will not release funds for me or my family to get groceries.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CCB/XXXX and CB/XXXX. The 3 Credit Bureaus are also reporting this company to be the owner of the debt when they are not! These accounts were transferred or sold to another company and I tried contacting 3 Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the charge-off was posted. The 3 Credit Bureau can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Please REMOVE these accounts immediately.
Consumer complaint received 2021-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

We closed on a loan earlier this year and Specialized Loan Servicing is handling our loan, including the escrow. We have received letters from the city of XXXX stating our tax payment has not been sent- even though there is plenty of money sitting in the escrow account. I've called them several times and they said they would do it- in fact one of the reps was extremely rude. I called city of XXXX yesterday and it has not been paid- and was told my husband and my name would be posted in the newspaper and folks who don't pay our taxes! It's very concerning that another company can be holding our money but our reputation gets ruined because they haven't our bill. Really disappointing.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

Credit report showing Ehanced Recovery Company reporting as of XX/XX/2021 {$440.00} XXXX XXXX debt ; however, debt was sold and paid with another company, XXXX XXXX XXXX. We have contacted Enhanced Recovery Company and they ignore deletion requests. They admit they no longer own the debt and that debt was recalled by XXXX ; however, they ignore requests to delete this from my credit report
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (PA)

This is a violation of 15 U.S.C 1681 eb This is a hinderance to my credit report this is inaccurate and I would like it to be removed. 

I have attched file uploads to show the inquirees I have received from improper use of my credit report! I have uploaded pictures of the open accounts that I use to show you that the inquires that was made on my credit report was not from me!
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (FL)

Ive been trying to dispute this company for a while, Ive never ever in my life live at these apartment, I am willing to do whatever I can to proceed with an investigation, I used to live in XXXX back around XXXX I was searching for apartments and the front desk specialist that assisted said they have available units which I was excited, and filled out a application providing these people my social security number and ID was a big mistake, they never wanted me to see the apartment, and I was never giving a key but I did give them a holding payment of like 3-400 dollars I never got that back, because again I never move in and was never given a key, so while I was waiting for the process I just so happened to get off work one day to check out the apartment that the specialist said was available, come to find out the apartment had mold, infested with roach XXXX and the entire apartment smelled like roach spray and paint. So now I see why they never allowed me to look at the unit, they wanted to lock me into a deal without seeing it, I called them the following morning and said I wasnt happy with the what I seen, so it made the renter specialist upset and threatened me by saying if I dont move in hes going to sue me and take me to court. That was way back in XXXX how can I be charged for something thats pure fraudulent as this situation. Thats not right. I need help please I beg you to look into this matter I will do whatever it takes to show that I never live there, nor moved in or even had a key. 
Source : XXXX  Date Submitted : XXXX  XXXX, XXXX Report Number : XXXX Account Number : XXXX Company : 
FIDELITY CREDITOR XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX : XXXX ( XXXX ) XXXX
Consumer complaint received 2022-05-26
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: JPMORGAN CHASE & CO. (PA)

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 an 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 2021-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

THIS File is reporting twice on the reports with XXXX. called them and spoke with an XXXX speaking person, hardly understand, but he threatened me to pay immediately with a demanding voice. this should be a violation.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

TRANSWORLD SYSTEM INC/ Original creditor : XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1200.00} {$1200.00} Payment Info Original balance {$1200.00} Balance {$1200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX I have never heard of this company until today when I reached out to XXXX to settle past due balance.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (FL)

I purchased an Ebook online for {$18.00} and when I checked my bank statement, there were two charges on my card for {$18.00} and {$27.00}. The charge descriptions on the statement says that both charges are for the same order # XXXX. However, my receipt shows that there should only be one charge for {$18.00}. I explained the situation to Wells Fargo and provided the receipt as proof but my dispute was denied.
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent Identity Theft affidavits in to all 3 bureaus in regards to a XXXX  XXXX account that doesn't belong to me, I was a victim of IDENTITY THEFT ... .XXXX  XXXX XXXX XXXX XXXX XXXXXXXXXXXXX {$340.00}, the accounts were found to be fraud and were removed from all 3 bureau reports, now XXXX and TRANSUNION have put the fraudulent account back on my reports after removing it, and have reported 1 late payment on account that is not mine and that I have never made any payments on ... ... I want this account removed and deleted from my credit file permanently. It is hurting my credit worthiness and my ability to obtain legal credit in my own name.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (TX)

I received a call from someone named XXXX from Credit Management Company who advised he was calling to collect a debt. I asked him how did he get my phone number? He didn't respond. I then advised him if he was familiar with 15USC 1692 code? I also advised him that i never signed a contract with this company and he should not have my information. They are reporting inaccurate information due to I have not signed any contract with them. My rights have been violated by this company and the company who sold them the debt. They should not have any of my information. This is my formal cease and desist for them to no longer make contact with me via telephone email or any method starting today XX/XX/2024.
Consumer complaint received 2022-05-26
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. (MO)

In accordance with the Fair Credit Reporting act XXXX Account # 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I had an XXXX XXXX account that was left unpaid due to unemployment. 

I made arrangements with XXXX beginning with a payment schedule commencing XX/XX/2018. The full balance of {$4000.00} was paid in full. 

The account shows delinquent on ALL credit reporting bureaus such as XXXX, XXXX and Experian.
Consumer complaint received 2024-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (UT)

We applied for a home equity loan and were required to produce the loan deferment paperwork signed by us and XXXX XXXX during the pandemic. XXXX XXXX sold the loan to Fay Servicing and can not issue the paperwork. My first request to Fay Servicing was XX/XX/XXXX at which point they assured me I would get it by XX/XX/XXXX. XX/XX/XXXX was the final day to submit all paperwork for the HEL. On XX/XX/XXXX I called XXXX again and they advised I follow up through the messaging system in my online account. On XX/XX/XXXX they replied " Thank you for your message. Please note that our records indicate that you were assisted by a customer service representative as of XX/XX/XXXX and were advised accordingly. Please contact the customer service department on XXXX for further assistance on your inquiry. '' I called again and was told there was nothing they could do, as the company was researching the issue and I'd have to wait. We now need to re apply for the HEL but need this paperwork to proceed. We have no where to turn to get it. Please advise.
Consumer complaint received 2022-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I am filing a complaint against Wakefield & Associates. Wakefield & Associates have improperly placed a collections in the amount of {$2800.00} and they refuse to remove it even though I have provided ample proof that I am not responsible for the negligence of the original creditor XXXX XXXX XXXX XXXX. 

I was in a XXXX XXXX XXXXXXXX. I was transported to the hospital via ambulance. At that time, I provided the ambulance company all of my insurance information. In XXXX of XXXX ( 4 years later ), I saw that the paramedic company had sold the collections account to XXXX XXXX. I was surprised and I called my insurance company- they stated by law XXXX XXXX ( original creditor ) was supposed to bill for the service provided to me within a year from the date of service. XXXX XXXX did not bill until XXXX years after the date of service. They then received a denial and explanation of the bill - stating they were then supposed to write off the balance because it was not filed in a timely manner. It is not my fault that XXXX XXXX was negligent and waited over XXXX years to bill my insurance. I am not responsible for payment as I was and still am insured. Once I provided XXXX all of the necessary documentation XXXX removed the collections from my account. However, instead of resolving the matter they sold the account to Wakefield & Associates. Wakefield has now placed the collections back onto my account and refuse to remove it even though, I have provided ample proof that I am not responsible for XXXX XXXX 's billing negligence. As I mentioned above, I was fully insured and had XXXX XXXX billed within a timely manner ( the legal amount of time they have ) they would have been paid by my insurance company.
Consumer complaint received 2019-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (IA)

Account showed up on credit report. No prior communication received. Asked company to validate debt. All they provided was a balance with no invoice stating where balance came from and a copy of a lease. Did not receive anything stating company’s right to collect this unverified debt. Credit score is harmed by invalidated debt.
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 states a consumer reporting agency can not furnish a account without my written instructions