davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

Hi.My name is XXXX and i had filled a complaint against XXXX # XXXX on XX/XX/XXXX # XXXX.The complaint was about them lowering my monthly payments and lower my monthly interest as well. I was paying XXXX a month at XXXX that was all interest payed many years and seem like the was not budging. Then XXXX change the payments a month from XXXX a month to XXXX. When I made a complaint to CFPB they seem to lower the monthly payments to XXXX as of XX/XX/XXXX XXXX has transfer notice to my first mortgage company on XX/XX/XXXX to informed me that i will making payment with SPS Select Portfolio Servicing. This is my new account number my XXXX SPS account # XXXX this is my XXXX mortgage SPS account # XXXX im ok with the XXXX mortgage. i just want them to lower my monthly payments from XXXX/SPS now that i will be making payments to SpS. There address is XXXX, UT XXXX PHONE # XXXX thank you. XXXX
Consumer complaint received 2024-04-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

In XXXX I leased a brand new car. I was not 100 % speaking of the English language when the XXXX dealership took advantage of my situation. I was charged way more than the cars value. Promised gap insurance, and even regular insurance. After getting in an accident, I later found out they allowed me to DRIVE OFF THE LOT uninsured with no insurance and when I later called, I also had NO gap insurance. I have contacted XXXX several times - keep in mind we are in XXXX - ALMOST XXXX - no response and keep getting escalated to not avail. I have tried over and over contacting the dealer they hang up or say they will get back. I pay {$700.00} a month for a XXXX  inoperable ( not at fault ) vehicle. They can repo. But before hand XXXX be in touch with an attorney as its illegal driving off the lot with no insurance. The staff do not care or even bother once the car is sold. Sad case do NOT recommend
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Wednesday, XX/XX/2023, I attempted to transfer money from my mobile banking app using XXXX. I attempted to transfer {$430.00} to my uncle. I got a message stating waiting for recipient to enroll. I canceled the transfer and the cancelation was approved. However the money was deducted from my account and has not been credited back to my account. I have contacted Huntington Bank and filed a dispute claim but they have not resolved the issue. I have spoken to several people with no resolution.
Consumer complaint received 2023-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I recently obtained a copy of my credit report and discovered several errors. To rectify this issue, I exercised my rights as a consumer by mailing dispute letters to all three credit bureaus, namely XXXX XXXX, Experian, and XXXX, on XX/XX/2023. Although Experian received my letter on XX/XX/XXXX, I received an email from them on XX/XX/XXXX stating that they did not believe the letter was from me or authorized by me, despite my providing a copy of my driver 's license, Social Security card, and proof of address. I even included specific language within the letter to confirm my authorship. To my dismay, Experian proceeded to misquote the law and misled me into thinking that they would not be taking any action regarding my dispute, citing " precautionary measures. '' In reality, 15 U.S. Code 1681i clearly outlines the procedure for disputed accuracy of information in a consumer 's file at a consumer reporting agency. The law mandates that a free, reasonable reinvestigation must be conducted within 30 days of receiving the notice of dispute from the consumer or reseller. Additionally, the agency must provide prompt notice of the dispute to any person who provided the disputed information, including all relevant information regarding the dispute received from the consumer or reseller. 
Experian 's actions violate my consumer rights, specifically 15 U.S. Code 1692e, which prohibits false or misleading representations. Experian 's failure to communicate that a disputed debt is disputed is a clear violation of this statute. As such, I am entitled to {$1000.00} per violation and demand that Experian immediately delete this account. I have attached a copy of the email from Experian as evidence of their misconduct.
Consumer complaint received 2023-07-14
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: WELLS FARGO & COMPANY (GA)

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 states a consumer reporting agency cannc furnish a account without my written instructions.

46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Consumer complaint received 2023-07-14
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: HYUNDAI CAPITAL AMERICA (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it XXXX have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX, XXXX XXXX XXXX XXXX charged off my personal loan on my credit report after I spoke with their legal department a few months prior about my financial hardships and the legal department stated that I had until XX/XX/XXXX to make a payment of XXXX dollars.
Consumer complaint received 2023-07-14
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: WELLS FARGO & COMPANY (GA)

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit 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 2022-12-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Account Servicing, LLC (TX)

I had an original Auto Repair Loan paid off with XXXX XXXX that came directly out of my account that was paid off on XX/XX/2022. The original amount of the loan was {$500.00}. The company called numerous times using the telephone number ( XXXX ) XXXX. I tried on several occasions to call the number back but it said it was nonexistent. Upon further investigation, I found the website which is under XXXX XXXX but the letters sent to my address are under Universal Account Servicing , LLC XXXX XXXX XXXX XXXX, XXXX  XXXX. In previous phone call, a rep told me they bought delinquent accounts from XXXX XXXX, however I received a letter from XXXX XXXX notifying me my account was paid in full. I have sent the information to XXXX XXXX XXXX Account Services via email and their online portal. They still continue to report that I owe {$120.00} and I am 90 days past due which affects my credit. I called today and the rep informed me they had to contact XXXX XXXX and I told him that did not make sense because they purchased the so called debt from them. He placed me on hold and returned and told me they had to contact the bank to verify and I told him that did not make sense because I sent paperwork via XXXX website with confirmation my account was paid in full on XX/XX/2022. When I told the rep I was recording all correspondences, in other words documenting each call along with paperwork because I felt the company fraudulently obtain my information and decided to charge me for money not owed, the rep immediately told me because I was recording he had to immediately disconnect the call. This company is a scam!!!!
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BMO Bank, N.A. (CO)

They have called me 15 times in the last 4 days XX/XX/XXXX : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, XXXXXXXX XXXX XX/XX/XXXX ( at the time of submission, trends dictate there will be at least 1-2 more calls tonight ) : XXXXXXXX XXXX, XXXX XXXX, XXXXXXXX XXXX
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (IN)

Using XXXX  XXXX  to buy XXXX, I bought XXXX  to help someone who had a wallet get the XXXX  to help them with a financial issue that stopped them from coming back to the states. 

The total amount was {$110000.00} in XXXX  using the XXXX atm.
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (CA)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violati

on of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2024-04-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (LA)

Someone shot into my apartment while my family was there. I feared for our safety so I moved out of the complex. The front office didnt care and wasnt helpful in any way. They didnt reach out and when I called to speak to a manager I was told that they werent there. No one tried to help me out even when I called about this balance. I feel that they should have just let this go because the lease was broken for a very good reason. I have a police report of the incident if Im needed to verify proof of this or anything you guys may need. I can be reached on my cell at XXXX. Thank you
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and remove them immediately in my report XX/XX/XXXX
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: DMB Financial, LLC (NY)

In XXXX of XXXX, I was in contact with DMB financial for debt settlement. I had 2 credit cards that I needed help with. XXXX and XXXX XXXX. I was told that both accounts would reach an agreement in 3-6 months and be settled and paid within 1 year. It is now XXXX of XXXX. Only one account has reach a settlement ( 7 months later ) and I have been paying {$700.00} per month into their escrow account. They then took {$4800.00} of my saved money to pay themselves. This one account will not be fully paid now until XX/XX/XXXX. My other account is not going to be addressed at all. The company is not responding to my inquiries about when they will handle my other account. And they lied about the time frame and cost of EVERYTHING. But they also say Im bound to a contract to keep paying them and not work directly with my credit card company.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2021-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group (TN)

This is my second attempt to get this alleged debt removed from the consumer reporting bureaus. I requested verification on the alleged debt and was not sent a valid contract with my wet signed ink signature on it and also stating I have an alleged debt with Ascendium Ed XXXX. My legal requests were failed to be met and they are in clear violation of the FDCPA. This alleged debt needs to be removed from my consumer reporting immediately.
Consumer complaint received 2023-02-18
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX  XX/XX/2022. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted Transunion , LLC about removing an inaccurate chapter XXXX bankruptcy being reported on my credit file. I have requested validation of this chapter XXXX bankruptcy by the court and my original signature on this chapter XXXX bankruptcy. Transunion has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Transunion is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Account # 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 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account name XXXX XXXX XXXX  and number XXXXXXXX  Account name XXXX and number XXXXXXXX  Account name XXXX XXXX and number XXXX Account name XXXX XXXX and number 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 whiten instructions