davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

When I pulled my consumer report, I seen that Wakefield & Associates reported numerous items in the total amount of {$58000.00}. As a federally protected consumer, I am aware of the rights that the organization has violated. I have never had a contract agreement with this organization and I challenge XXXX XXXX XXXX to provide such agreement under penalty of perjury. Failure to provide such agreement is a violation of my rights a consumer.
Consumer complaint received 2021-07-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (CA)

I had a medical bill with Dr.XXXX XXXX and I was on payment plan, they closed the business and sent my balance to the collection Agency, now they want to change me with interest, I am willing to pay the balance, however they want to charge me extra.
Consumer complaint received 2018-03-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My loan is one of those XXXX loans that were upside down then they went under and my loan was sent to XXXX, where i was offered a numerous amount of loan mods but when I called none of them were valid. Then it was sold to Specialized Loan servicing which has also been a disaster. I have tried to contact them for assistance. My payments are late because I was told my payment was XXXX and thats what i was sending, then it started going up and I was never told that it was gon na happen. So now I am like XXXX behind and never been able to get help. I know I should have gotten a lawyer when all the XXXX situation happened but I wasn't very knowledgeable. Now I am reaching out to all the avenues to see if I can get some help I have reached out to XXXX, SLS, XXXX XXXX XXXX even tried getting help with a company called XXXX. We are always worried that we are gon na come home to find an eviction notice but every month we send XXXX but we don't know what to do anymore Im begging for asssitance and file a complaint on all these companies. I feel that its something wrong that has been done. I have practically been renting my home with no stability.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Advanced Resolution Services Inc. (CA)

I was advised that when applying for a XXXX XXXX credit card product, a business, " ARS, '' would produce a report that would be used in determining my qualification for an extension of credit. Using the Internet search engines XXXX and XXXX I 've been able to find suggestions that the full business name is " Advanced Resolution Services , Inc. '' operating within the state of Ohio, and I 've seen suggestions that this is a subsidiary of the XXXX card-processing company. I looked up that business name with the Ohio Secretary of State and can not find a lawful business record of incorporation with that state. I 'm unable to find any additional contact information for this business. Other individuals have suggested that the business deliberately avoids consumer contact to mitigate their regulatory burden -- that is, they make it intentionally difficult for consumers to request a copy of their credit report to avoid the costs of such creations. There is no website for this company, and I ca n't find any way of contacting them by phone to request a copy of my report or information on how to do so. As a consumer, I feel this is unethical, unfair, and possibly in violation of American consumer financial protections.
Consumer complaint received 2023-01-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

Dear Madam/Sir, CFPB : This matter is in regards to an unknown amount of money that this debt collector wants me to pay. I do not recognize where this amount comes from, and I have no knowledge of it. This Debt collector is braking Federal Laws in regards to impose to collect something that does not belongs to me. I will need legal information on this unknown matter. Trying to collect money from me, and I have no knowledge of this unknown debt. Also the name on this letter dated, XX/XX/2023, does not match my legal name. This debt collector writes a big amount of money to be paid to them. I can not pay anything to some body that is trying to collect money that I do not owe. Thank you very much for your anticipated courtesy and cooperation in this important matter. Respectfully yours XXXX XXXX
Consumer complaint received 2022-01-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Land Collections, Inc. (WA)

I am asking for proof of debt but collection agency is unable and unwilling to send proof of debt. I never received a bill from original creditor. When talking with original creditor they no longer had my information on file. I am needing proof of the actual debt and what and why Im being charged
Consumer complaint received 2022-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NV)

I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a truck. I left that day with my original contract. On XX/XX/XXXX, I received a copy of the contract via email per my request. To my surprise the copy of the contract now has 2 FORGED signatures from the dealership or Chrysler Capital with a date of XX/XX/XXXX that were not on the original contract. Once again, I was at the dealership XX/XX/XXXX NOT XX/XX/XXXX. I feel very deceived that I have been paying on a fraudulent truck for over 2 years. Also they never gave me rights to rescind pursuant to 1026.23 Right of rescission. ( a ) 1-3. No disclosures nor paperwork was provided to me either in the event this was an actual signed contract. I will be filing a formal complaint with XXXX, AG, FTC & NV DMV Compliance Enforcement as well.
Consumer complaint received 2019-12-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, my account was sold to XXXX XXXX XXXX. 
Also, the account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, this account was also sold to XXXX XXXX XXXX. 
XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). ****I am seeking the last payment made to both accounts****. They are restarting a debt clock.
Consumer complaint received 2021-07-29
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. (MI)

Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-16
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

The account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, my account was sold to XXXX XXXX XXXX. 
Also, the account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, this account was also sold to XXXX XXXX XXXX. 
XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). ****I am seeking the last payment made to both accounts****. They are restarting a debt clock.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.
Consumer complaint received 2019-12-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been unable to obtain any resolution from Experian regarding an erroneous reporting BK on my credit report. Experian conducted an initial investigation into a supposed BK reporting on my credit file back in XX/XX/2019. The result of that investigation was based on information obtained through XXXX who somehow had a BK against my name n their file in error. Since that initial investigation was complete, I have since corrected the errors with XXXX. Even though I have requested on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) for a re-investigation into the matter, Experian has refused to re-investigate. Additionally, their Online system will not allow me to submit any dispute and their call center representatives will not take a dispute from me. I even filed a CFPB complaint back in XX/XX/XXXX, to which Experian completely stonewalled and provided no substantive response whatsoever. Similarly, the CFPB accepted their lack of response and closed the case without checking with me first.
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (MD)

I have two business checking accounts, a business line of credit and business credit cards as well as a merchant account through BB & T. With my business checking account I have an overdraft protection set up to pull funds from my business credit card account and add them to my checking account to avoid any fees associated with any overdrafts. Well this has not been the case. I have been being charged overdraft fees for years on my account. I have contacted many different representatives about this issue in person as well as on the phone. Each time all I get is we will look into it. It will take a while if it has been a few years of charges. NO ONE has ever gotten back with me about these charges. I am being charged fees on my c/c as well as my checking account. There is no overdraft if they pull the funds from my credit card account. This is in their overdraft protection services policy. I am a small business owner and these fees are astronomical. No I can understand how they have all of this money to donate. Because they are illegally taking it from their customers. I can't just change banks. Not with all of the lines I have open. This needs to be fixed. I am sure it is not just me having these issues.
Consumer complaint received 2019-12-16
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I used XXXX to donate {$35.00} to XXXX XXXX XXXX. on XX/XX/2019. My credit card ( mastercard ) was by Bank of America. It was posted on my account in XX/XX/2019. I paid my bill when I received it. XXXX sent me a notice of late payment. I called Bank of America. They said they would investigate. I received another late notice from XXXX. My account with XXXX has been turned over to XXXX XXXX XXXX. XXXX says I owe them {$190.00} in late payments, fines and interest. My bank, Bank of America sent me a letter on XX/XX/2019 saying they resolved the case and credited my account {$37.00}. My credit score has gone from XXXX to XXXX because of their negligence. They owe me {$150.00} to pay back XXXX, and restore my good credit.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (NY)

XXXX incorrectly and prematurely reported a bad debt to all 3 credit agencies XXXX, XXXX and XXXX which was not accurate because the balance was paid and applied to XXXX XXXX XXXX. This had prohibited me and my mother of obtaining our first home purchase. Please have University to remove and report good and paid debt as soon as the law allows.
Consumer complaint received 2019-12-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I ask Transunion to validate debt and send me copies of contract or something that have my signature on it. They came back and said account verified with nothing to show me. I have no knowledge of this account XXXX XXXX XXXX with a bill of XXXX and XXXX, please remove this account from my reports.
Consumer complaint received 2021-07-30
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. (RI)

I saw on my Experian Credit Report back in early XX/XX/2021 that my mortgage company, XXXX XXXX, said that my mortgage was 30 days past due for the month of XX/XX/2021. I submitted a dispute to XXXX using their website complaint process on XX/XX/2021. I got an email response saying they need to further investigate the issue on XX/XX/2021. They have incorrectly reported to Experian that I was late 30 days on my mortgage payments for both the months of XXXX and XX/XX/2021. I had autopay turned on with their company on XX/XX/2021 after they became my new mortgage company so that this would not happen. When I called XXXX customer service they said they had no record of me being late and I was never charged a late fee, so I don't know why this information was relayed to Experian. My credit score has taken a drastic drop since these two errors occurred. I used to have a 780+ score and now it shows XXXX, which is very depressing to me as I have always been very careful with paying my bills and using credit responsibly. 

I have also disputed the error with Experian, who didn't change anything on my credit report to correct the errors. Worse yet, they say they are not required to look at the issue again unless I have new information because that is all the Fair Credit Reporting Act requires.
Consumer complaint received 2021-07-29
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. (MI)

After 40 days of me constantly disputing trying to get in contact or a response from the creditors, Bureaus, & third parties I ask that these inaccurate accounts be removed off my credit permanently due to the fact you guys keep going against the law disregarding me. I have rights too. 

Remove these inaccuracies off my file immediately! 

XXXX XXXX XXXX
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

This complaint is about Chase Bank. I recieved an over draft this morning for {$150.00}. According to the Chase app. I had {$40.00} in my account as of yesterday, XX/XX/2019, when i withdraw {$120.00} out at the atm. I tried to figure out how this could have happen but only thing i see is my payment to XXXX XXXX for {$200.00} that was placed on friday XX/XX/2019. Now i know for a fact that it was posted to my account which means the money was to be held or taken out. Because the {$200.00} was on the XXXX XXXX credit card the next day. I do not understand how i overdraft my account when i always check my app. I just found out My daughter who is XXXX  XXXX  is also having this problem. She has a hard time counting her money and she said this has happened to her more then once.
Consumer complaint received 2021-07-30
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: LEXISNEXIS (NY)

There are accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, clients name did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15.

Unless your consumer reporting agency is able to provide me, clients name who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for the creditors response before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are being disputed, especially since I, the consumer DID NOT request for these accounts to be disputed, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity. Failure to comply with the blocking of these fraudulent accounts makes you liable under section 1681n of title 15. 

The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX US DEPT OF ED Account # : XXXX XXXX Account # : XXXX
Consumer complaint received 2023-12-08
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. (WA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$8600.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXXXXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.