davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (AL)

I previously submitted a debt validation letter to LVNV Funding and requested that they validated a debt that they claim I owe. Once the letter was sent I also spoke to a customer service representative with their company who insured me that the account was resolved and that the validation of debt was being sent. Since the letter was sent I have not received anything validation of the debt from the company and they still are inaccurately reporting the account on my credit report. They are in violation of my Fair Debt Collection Practices Act and also my Fair Credit Reporting Act. I am asking that they please remove the account from my credit report cease and desist all communication with me in regards to this debt collection. I have also attached the letter that I sent for reference. Due to non response from the collection agency I am prepared to file a complaint with my State 's Attorney General Office and request damages for up to {$1000.00}.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

XXXX. XX/XX/2022 - Checking account opened with Bank of America XXXX. XX/XX/2022 - {$10000.00} transferred to Bank of America account from my account in XXXX XXXX XXXX XXXX. XX/XX/2022 - {$30000.00} transferred to Bank of America account from my account in XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 - {$10000.00} transferred to Bank of America account from my account in XXXX XXXX XXXX XXXX. XX/XX/2022 - Bank of America closed my account and specified that the account balance will be sent by check to me XXXX. XX/XX/2022 - Bank of America said that they have frozen the funds, and refused to release them XXXX. XX/XX/2022 - I visited Bank of America XXXX XXXX IL branch and showed all the documents to the branch manager XXXX. XX/XX/2022 - I submitted a complaint to CFPB in order to recover my funds XXXX. XX/XX/2022 - Bank of America submitted a response to my CFPB complaint - however, my issues remain unresolved XXXX. XX/XX/2022 - I talked to XXXX XXXX XXXX and informed them about Bank of America 's instruction to recall funds. They are unable to recall funds. 
XXXX. XX/XX/2022 - I visited XXXXXXXX XXXX XXXXXXXX branch and showed them Bank of America 's instructions. Despite 90 minutes of discussion with Bank of America XXXX and managers, they were unable to initiate the recall process. 
XXXX. XX/XX/2022 - I tried to contact Bank of America Regulatory Complaints manager in the morning as well as afternoon but was unable to reach her XXXX. XX/XX/2022 - I still have not received my money ( {$50000.00} ), and have to file a new complaint
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

I tried to get a credit increase on both of my Chase credit cards. Not only they do a hard pull on your credit report, they will also need to pull two separate reports for two credit cards which is not logical. They can use one hard pull and utilize that " one hard pull '' to establish multiple increases. I have been a Chase credit card client for many years and my credit is above 800 via the XXXX rating platform.
Consumer complaint received 2020-08-05
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. (AL)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report US DEP ED XXXX {$4000.00} US DEPT ED XXXX {$6200.00} US DEP ED XXXX {$2700.00} US DEP ED XXXX {$1000.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$230.00} XXXX   XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1600.00} USDOE/XXXX XXXX {$52000.00} US DEP ED XXXX XXXX US DEPT ED XXXX {$3700.00}
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (OR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (IN)

Two fraudulent charge was added to my account. One in the amount of {$80.00} dollars at XXXX XXXXXXXX XXXX  in XXXX, Illinois. And another amount of {$190.00} dollars at XXXX XXXX XXXX in XXXX, Illinois. Both of these charges were not made by me. They are fraudulent. I reported the fraudulent charges and cancelled that stolen credit card. My report was ignored and the charges stayed on my account. I have received a new credit card from AVANT but, the fraudulent charges are still on my account.
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (NY)

There is an account called " XXXX XXXX XXXX '' that shows a collection account for {$850.00}. I have tried to dispute this item several times but only get a response that it meets FCRA requirements. I have no knowledge of this account and believe it was open fraudulently. I would like to have this removed from my credit report.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Car loan was paid in full, however it is still reporting a balance and a past due amount. This is affecting my ability to get a mortgage and other loans. I have tried to resolve the issue with the car loan company ; however, the this issue still remains.
Consumer complaint received 2022-11-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANCO POPULAR DE PUERTO RICO (NY)

On or about XX/XX/2022, I requested a money transfer from my personal checking account to my XXXX account. The funds was sent to the wrong person/email by Popular Bank . After submitting my complaint and waiting 90 days for my refund, they denied my claim
Consumer complaint received 2020-08-05
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. (NY)

There is an account called " XXXX XXXX XXXX '' that shows a collection account for {$850.00}. I have tried to dispute this item several times but only get a response that it meets FCRA requirements. I have no knowledge of this account and believe it was open fraudulently. I would like to have this removed from my credit report.
Consumer complaint received 2020-09-27
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I was in a disaster forbearance due to covid-19. I requested another disaster forbearance due to being unable to pay. I am still looking for work. I reached out to my lender, AES, on XXXX XXXX a few days prior to a reported delinquency would occur. The representative that I spoke with processed my request, but didn't tell me I would receive a negative credit reporting while I wait. She did not advise me this over the recorded line. This is a devastating mark to my credit. I am requesting that this be reversed. I have attached proof of when I requested it and when I received notification back from the lender of a denial which was after my due date. I am requesting that the call be pulled to prove the representative did not advise me of what I needed to do in the interim while I waited to hear back. The representative was not pleasant either. Thank you.
Consumer complaint received 2022-12-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (TN)

Medical bill ( s ) for services in XXXX of 2021, which were likely to be covered by insurance. 

Instead, the bill ( s ) were immediately sent to collections without sending an invoice detailing the charge ( s ) to me. 

There are XXXX complaints about similar practices from XXXX, XXXX, which seem to imply an unethical business practice/pattern. 

When I was contacted by collections, I asked them to supply an invoice detailing the charges, but they refused and sent the information to the credit reporting agencies. 

I am still waiting for the original bill detailing the charges. 

The name of the collection agency is Fox Collection Center : XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
Consumer complaint received 2020-08-05
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. (TX)

XXXX XXXX, XXXX XXXXXXXX XXXX  has reported incorrect account on my credit report. XXXX XXXX Account was removed but XXXX   unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX   refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2020-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paul Michael Marketing Service (NY)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX TODAYS XXXX PAUL MICHAEL MARKETING XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PAUL MICHAEL MARKETING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2021-07-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (AZ)

My wife work position was eliminated due to covid XX/XX/XXXX. We requested and were granted mortgage forbearance under VA disaster relief fund. My wife was re-employed XX/XX/XXXX. We notified ServiceMac that we could continue our mortgage payments. 

XX/XX/XXXX we were notified by ServiceMac that they wanted to work with us to modify our mortgage and help make payments more affordable. XX/XX/XXXX we accepted their offer. A requirement of their offer was that we make three ( 3 ) trial payments over the following 90 days, that requirement was met. 

XX/XX/XXXX we submitted notarized application for loan modification while continuing to make first of month payments over the phone. We were told at that time it should take about 30-45 days to complete this process and would remove forbearance. 

XX/XX/XXXX we were informed that our paperwork was misplaced internally. On XX/XX/XXXX we received notice of Fully Executed Loan Modification Agreement. 

As of this writing, XX/XX/XXXX, our Fully Executed Loan Modification is not recorded. Our account at ServiceMac still indicates " Loan in Forbearance '' When we applied to refinance we were told that our account is still in Forbearance " no update of status ''. We continue to make phone payments at the first of each month per instruction. After repeated inquiries we have been given no information as to expected time for recording of our Loan Modification Agreement. 

This process has gone on for over a year now I can not express the amount of frustration and anxiety this has caused us. We have been prompt in suppling information or paperwork and met every requirement requested of us and continue to be put on hold with no end in sight. Due to this delay we can not sell or refinance our home and have no ability to secure any type of financial transaction.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (NJ)

I am a XXXX XXXX XXXX in XXXX for 30 years. I am a XXXX XXXX XXXX, so I don't need to pay overhead for materials, etc. I am purchasing a home in which to eventually retire, and began the application process with US Bank on XX/XX/2020. As of XX/XX/XXXX, I am now nearing the end of my 60-day purchase contract window. However, US Bank is still saying it can't close because I can't produce a CPA " comfort letter '' stating that it will not be detrimental to my business to purchase this house. My CPA, a very well-respected professional, produced policy statements from the XXXX XXXX XXXX XXXX ( XXXX ) and other professional organizations of CPAs clearly stating that accountants should not provide these letters and that it places them at potential legal liability. It is his unwavering decision to follow this guidance. However, US Bank 's response is, " The bank has a whole drawer full of these letters because a lot of accountants are willing to write them anyway. '' This pits me, the consumer, in between two organizations : the mortgage lending industry and the accounting industry. Both have distinctly opposing policies. This seems unproductive, unfair, and possibly even unlawful. The bank has my profit/loss statements, my tax returns, bank account statements going back many months, and every other document they have asked me to produce. I have demonstrated evidence of more than enough funds to complete the closing. On Friday XX/XX/XXXX the loan officer finally told me that an exception was made ( about requiring the letter ) and said I was clear to close. However, on Wednesday XX/XX/XXXX, I am now told the exception is still pending because the bank is still deciding. My accountant 's advice is, " find a less-upstanding accountant ( his word a bit stronger ) to write you a letter. '' The bank says, no, it has to be the accountant who has handled my tax returns and finances. When I entered into this process I had no idea this was an issue, but it seems wholly unfair. It is too late for me to re-start the process with another lender. One of these industries should establish a policy that is not oppositional, instead of requiring consumers to be penalized by an arbitrary and contentious issue between two behemoths.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX, XXXX XXXX XXXX has reported incorrect account on my credit report. XXXX XXXX Account was removed but XXXX   unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX   refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed  below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

We have submitted payments for our mortgage through bill pay using XXXX bank for years. Our XXXX payment was sent to Shellpoint Mortgage on XX/XX/XXXX in the amount of {$3000.00}. The payment went through and money was removed from our account. 
I was notified via email that the payment was not received by Shellpoint in XXXX. I submitted documentation of the bill pay and our bank statement to Shellpoint using their web portal on XX/XX/XXXX. 
I have called Shellpoint 4 times in the past 10 days. They are telling me they can not locate the payment as the address for their billing/collections changed. We were not notified of this ahead of time. We have since changed our bill pay to the correct address. 
Shellpoint has told me they can not locate my payment and my only option is to submit another payment for XXXX XXXX has said there is no way to get this money back to our account without Shellpoint issuing a refund. It seems wrong that I have to pay twice for my mortgage for XXXX because Shellpoint lost my initial payment.