davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

hi PRA COLLECTION/ XXXX/XXXX  ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-11-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Steel River Systems, LLC (CA)

My former partner convinced my to assist him in purchasing a steel shed, loan was going to be on his property for his use, he said he would make the payments. I was hit with a huge credit score drop as a result of unpaid loan. This affected my credit once under XXXX. I have worked very hard to improve my credit score and it turns out this loan was sold to a collect agency, Steel River, that has not mailed me anything in regards to this loan and I find out today that they have affected my score again. I am in the process of rebuilding my life as a single mother. What can I do? If no payment or agreement for payment has been made, why is this still allowed to haunt me years later?! Please help!
Consumer complaint received 2021-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

Freedom Mortgage employees XXXX XXXX, XXXX XXXX deliberately delayed processing of my refinance loan. XXXX XXXX 's supervisor was copied on some of the e-mails but failed to intervene. XXXX XXXX and XXXX XXXX would not return my calls, or answer questions. They failed to put information I sent them in my file. They said they were my primary point of contact. My file was shifted to about three other processors who requested same information I had already sent XXXX and XXXX. Application process started on XX/XX/2021, and did not close and fund until XX/XX/XXXX, XXXX was locked into this transaction and not allowed to take advantage of historically low interest rates on other financial matters. I could not use credit cards or engage in other financial matters. Took about 90 days to close. No home appraisal or inspection was needed. I was already and existing XXXX/Freedom Mortgage customer. I only wanted to refinance my existing principal balance. I sent documents to them promptly when requested. Closing date changed 3 times, my payoff letter expired, substantial incresases in closing costs, my rate lock expired and had to be extended.
Consumer complaint received 2021-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The main focus of the complaint is that Bank of America supposedly put a flood policy on my HELOC account on XX/XX/XXXX, AFTER they sold my original mortgage to XXXX on XX/XX/XXXX. The only VESTED interest Bank of America had in my property AT THAT TIME was {$18000.00}, with a max loan value up to around {$24000.00} total. 

They had a copy of the Elevation Certificate for which I had to pay out of pocket, but failed to use it when they supposedly obtained coverage. They allegedly obtained coverage for {$250000.00}, which they had absolutely no right to do since their vested interest was at a MAX {$24000.00}. 

The policy shows to have been in effect from XX/XX/XXXX, through XX/XX/XXXX, and yet they are wanting me to pay for a portion of the premium from XX/XX/XXXX, through XX/XX/XXXX. There was NO FLOOD POLICY on my property at that time. 

I also have documentation from XXXX showing that Bank of America told them the policy lapsed on XX/XX/XXXX. If that is truly the case, why am I expected to pay premium though XX/XX/XXXX??? 

Bank of America has been sued and has had to pay retribution for requiring everyone with a mortgage to have a flood policy. They were provided with documentation showing my property was not even in a flood plain, but they failed to drop the requirement. 

Bank of America also submitted varying amounts to me for their alleged coverage. I have tried to get them to provide proof of payment, and they refuse to do so. It is their standard practice to stop returning calls so the consumer will fade away. 

I am roughly {$760.00} away from paying off my HELOC account and need to have this money removed from the escrow account so my lien can be released free and clear. I have REPEATEDLY asked Bank of America to do the right thing since XXXX and still can not find anyone competent enough there to realize all of the fraud they have committed. 

I can provide any letters/documents you may need to pursue this complaint.
Consumer complaint received 2021-07-24
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: Navient Solutions, LLC. (PA)

The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Consumer complaint received 2021-07-23
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: Global Lending Services LLC (MD)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  MD XXXX ( manager XXXX ) processed my credit report in a way that I did not consent to, authorize nor benefit from the following inquires and I am filling a FTC report and complaint with the CFPB. I informed the manager ( and sales manager ) I had a prequalified loan from XXXX XXXX and I wanted to utilize XXXX XXXX or XXXX XXXX and that I did not want my credit run multiple times or beyond the XXXX XXXX or XXXX XXXX. I was not told until after multiple inquiries that the dealership does not work directly with XXXX XXXX XXXX navigator which was fraud. the below inquires I did not consent to and I am requesting they be removed - XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Global Lending Servi - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have confirmed with sales manager XXXX on XX/XX/XXXX that he was trying to help but this was not authorized and misleading and should not have been done without my permission
Consumer complaint received 2021-07-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (CA)

My Name is XXXX XXXX I am a new immigrant to the united states, I have been settling for about 6 months, during the period of the spread of the covid 19 pandemic, the majority of proposals to work have been online, and this is how I had a proposition through the face book, attached all the discussion since the beginning. 
I had a proposition to work with XXXXXXXX XXXX XXXXXXXX company for a position XXXX XXXX remotely, the job request some devise and software so they send me a check with XXXX to purchase the necessary materials .I have receive a check next day with an amount of {$3800.00}, I have try many time to deposit the check online with my banking App of XXXX XXXX  XXXX XXXX but it was rejected, after 30min My supervisor told me to deposit directly inside the branch of the Bank XXXX Next day the check was returned. I was surprise how a big company like XXXXXXXX XXXX XXXXXXXX doesnt have money for this amount .... 
The most big surprise is when XXXX XXXX XXXXXXXX close my two account checking and saving account, I cant understand what is my mistake. 
My Proof The XXXX letter with the tracking number that I receive the check inside A copy of check and The receipt that I deposit the check inside the bank All the discussion in the messenger and the email from this company All the claim that I have do it with my calling of XXXX XXXX XXXXXXXX and my appointment to discuss and trying to resolve this issue no not succeed yet. 
I want to be remove all this information from the XXXX XXXX and Early Warning Service and be clear off. ( Credit Reporting Agency )
Consumer complaint received 2021-07-23
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)

I called XXXX  XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 in regards to using covid debt relief payment option for my card. They agreed and allowed me to skip the payments during those months and not report this to the credit agencies. XXXX failed to follow through with the latter and have been reporting those late or missed payments to the credit bureaus even after calling and talking to them multiple times.
Consumer complaint received 2023-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (NC)

Upon validation, Netcredit updated it's information with XXXX, proving the data in their computer system has been unreliable, inaccurate, and incomplete for years. The very fact, they had to update with XXXX proves their data unreliable, incomplete and inaccurate. According to the Fair Debt Collections act, items either incomplete or inaccurate may not remain on a credit report.
Consumer complaint received 2021-07-25
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: EQUIFAX, INC. (FL)

on XX/XX/2021 XXXX, XXXX XXXX mailed a letter about things on my credit report that is inaccurate and not mine. as of today, it has been over 60 days and I have not got a update. It seems I am being taken advantage of and my consumer rights are being violated ; several violations are taking place. The law states that if a investigation is not complete in 30 days, thats a reason for the items to be taken off of my credit report. Delete these items from my credit report immediately because section 611 ( a ). If these items are not deleted immediately I will file litigation due to the damages and stress inflicted on me. These items are inaccurate and do not belong to me. I have been denied credit and jobs because items that are not accurate are being reported. This has crippled my ability to care for my family and no one seems to care. My rights have been violated and still are being violated bureaus who have to power or authority to report anything about me unless I give them permission. I have not given my consent to furnish anything about me on my credit report.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was told that I can reach out to you all regarding accounts on my credit that Is not mine. I even saw some student loans on there and I dldnt even graduate from high school. I really need to get a larger home for my family. I'm doing this alone and need your help.These are the accounts I saw XXXX XXXX XXXX US DEP ED, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCC, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2021-07-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, my credit card was used around XXXX XXXX and I reported to Bank of America about the fraud. The amount was {$42.00}. Bank of America refunded the amount at first, then the bank charged me 2 times for taking back the amount, which is {$84.00}. I have called the bank several times to request for help to clear the charges as I did not use my credit card for XXXX  *XXXX XXXX onXX/XX/XXXX. My issues have not resolved.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My identity was stolen in XXXX. I contacted the 3 credit beaureus to place a fraud alert for accounts being opened in my name. I was told any time an application for anything was filled ' that the companies would be required to contact me before opening the account requested. 
On XX/XX/XXXX, XXXX LA ( a self financial company ) opened an account using my information without contacting me to verify my identity. They are refusing to take my call to close the account saying that the request can only be done by email and with a report from the FTC. I completed a report with the FTC, but because their was a typo on my email, I couldnt get access to the report until I waited a certain time and refilled another complaint with them. Equifax is also refusing to remove this account from my credit reporting because I havent been able to get it closed through XXXX LA ( who is still refusing to close the account ).
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (MS)

first horizon bank is not keeping proper records of transactions and a deposit hold that they have placed on my account. the 2 monthly statements i have do not reflect the actual ongoing situation which is that my available balance has not matched my actual balance for 39 days now. they are unresponsive to my requests to close my account. they are cancelling scheduled payments and transfers without recording their actions in the permanent bank account statements or transaction record. this lack of the usual level of banking recordkeeping practice makes me concerned that their actions are more extra judicial than merely holding a deposit beyond the legally established time limits. they also tell me that there is no internal bank oversight that i can appeal to. they have other courses of action that they can take other than to avoid permanently recording evidence of an improperly extended deposit hold. if they corrected the error in my available balance by updating it to match the current balance today, there would be no evidence of a 39 day inability to use the funds in my account in the official account statements. and thats not right. they are doing this to perhaps thousands of customers who they say received business payments into personal accounts. i was told that some of these situations have duration of over a year. perhaps that was meant to discourage me. or to encourage my submission of this complaint. please help.
Consumer complaint received 2021-07-24
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)

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate attention and should be delete asap.

XXXX/XXXX  IN THE AMOUNT OF {$4400.00}
Consumer complaint received 2021-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (TX)

Did not receive notice of a medical bill. Because they failed to send a debt validation notice, I did not even know about this bill. 

Details - Collection Agency AMERICOLLECT INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$70.00} Amount {$70.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact AMERICOLLECT XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2021-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: 3rd Generation, Inc. (NV)

California Auto Finance continues to call me and threaten and harass me with the repossession of my vehicle XXXX times a day.The company is also contacting my friends and family members even after I speak with them. I am suffering from the backlash of the pandemic but I have never been 30 days late with my payment. I requested assistance due to these circumstances and was told that nobody is affected by the pandemic any longer and there is nothing that can be done if I am currently affected. California Auto Finance has also called and left messages about picking up my vehicle. They just won't stop.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

USAA Bank has notified members they will be 'retiring ' their remote deposit service known as Deposit @ home that allows members to scan a check and submit it for deposit via a computer. They now say we must use a mobile phone or USPS mail neither of which is as secure as the current method. They also say we can use an ATM, but there are few that accept deposits and those are not convenient. 

The Deposit @ Home program must NOT be dropped.
Consumer complaint received 2021-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

XX/XX/2021 I sent a debt validation to Experian via XXXX. I waited 45 days and did not receive a response. I began to get worried because this situation was putting a strain on my finances. XX/XX/2021 I sent a follow up letter via XXXX stating that under Federal Law, they are required to complete and notify me of their investigation results within 30 days, which I have given them an additional 15 days due to COVID. Now XX/XX/2021 and they have failed to provide me with a response.
Consumer complaint received 2021-07-25
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: Self Financial Inc. (IL)

I contacted this company to start a credit card credit line to help establish and build my credit after a very many problems I close the credit line and when I accept it to close a credit card the company refused to initially close the credit card and now they are still actively charging you interest on a credit card that is closed down but they refused to open back up so that I can gain access to successfully restore the card and it's a good active standing having to pay interest on a car that I have no way of tracking or activating is absolutely absurd especially being at this was a credit card that was supposed to help build my credit yet at this point it is purposely tearing down my credit. I would add they are adding late fees and interests without providing me any direct statements of such as well. I dont know how they can charge fees that are more than what the principle balance is.