davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (FL)

my car was repossed by a third party whom I never gave written or verbal consent sent a demand for validation under 15 usc 1692g no response I never recieved a letter of reposseion I never got information on when and where they car was being sold and how much the car was sold for also under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (OR)

Last year around XX/XX/2020 Bank of the West closed my account closed my account without notifying me. There were some bank fees that were accrued and the sent that to collections, causing a negative mark on my credit report. They should have done notified me of the account getting closed.
Consumer complaint received 2022-12-03
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 filed XXXX XXXX XXXX XXXX of XXXX  and have worked with a law firm to repair my credit. XXXX is showing a collection status from XXXX  XXXX XXXX XXXX. Due to this item being on my report it is causing me to lose out on career opportunities as well as being denied future credit. Per the U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2. It also states that you can not furnish an account without my written instructions.
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TX)

Hello BBVA, I called the wire dept today for some assistance on an ACH I initiated via BBVA online, dispute dept stated they work wires and ach. While getting assistance from a woman in wires today, they cold transferred me to frontline customer service, that was not nice. 

The ach was to a linked external account, ending in XXXX for XXXX XXXX The transfer was made on XX/XX/21 iao {$250.00}, my external bank have yet to receive those funds. BBVA have advised that the ach has not bounced back and that there is nothing they can do. I beg to differ, where are my funds, has a trace been done, coaching needs to be given to the wire specialist for transferring me.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (FL)

I'm lodging a formal complaint against both Caine & Weiner and XXXX  XXXX, as it is my conviction, they disregarded my privileges under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didn't notice this error right away, that this was an already reported collection. Initially, this was a Debt by XXXX XXXX given as collection to Caine & Wiener. I questioned this record for the subsequent chance to have it eliminated and they changed the comments to wrong and never eliminated the data. They never sent me any letters, calls, or messages with respect to this. Kindly check and eliminate.
Consumer complaint received 2021-06-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I called Toyota Financial Services and paid a principal only payment with a representative and the money was applied to my regular account. When I call back I was told that they could not apply moneys to principal only for a week. I then called back still no transfer of the funds. I was told two day and asked for a supervisor and was told that the supervisor told them to tell me my funds would be allocated in a week. I have been trying to have fund applied correctly for three days XXXX. Toyota has refused to transfer funds and final a supervisor returned my call and still not transfer of funds. Please look into this and see if I can have this corrected sooner than a week so that I can make a regular payment.
Consumer complaint received 2019-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Mr.Cooper my current mortgage company paid the wrong homeowners insurance company without my consent. 
Our current homeowners policy is with XXXX XXXX and I have no idea why Mr.Cooper paid some company named The Hearth group.I never gave any permission to Mr.Cooper to pay any premium to The Hearth group.

I contacted Mr Cooper numerous occasions to let them know that the payment should go to XXXX  XXXX and no one else.Now I ma facing the prospect of having XXXX XXXX cancel our policy for non payment. 
Mr Cooper had no legal obligation to pay The Hearth group fraudulent bill.I repeat I have no idea who they are and why would they bill for a NON existing policy.Please help.This is FRAUD!!!!!!
Consumer complaint received 2022-10-07
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. (GA)

Please see attached documentation sent to both Trans Union XXXX XXXX XXXX. 

Per FCRA accounts must be reporting to all bureaus with the exact same information. I notified both companies in XXXX that the account was reporting to all bureaus. 

Lastly, the account is listed as a charge off meaning THERE IN VIOLATION OF 15 USC 1681 E ( B ) since theyve yet to supply a 1099-C form that has been requested previously
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX Account # XXXX was opened on XXXX, XXXX. The account was disconnected on XX/XX/XXXX. The account balance was paid in full. The customer service representative promised that the security deposit will be refunded after receipt of Box-Set Top Box and Router. The Box-Set Top Box and Router were packed and dropped off on XX/XX/XXXX and the XXXX office issued a drop-off receipt. XXXX never refunded the security ; however, I received another bill for {$60.00} for unexplained reason. In response to repeated calls to the different departments, an adjustment to the account was finally made on XX/XX/XXXX and {$59.00} credit was issued but the account was reported as delinquent to the credit agencies ( TransUnion, XXXX, and XXXX  ) in  XX/XX/XXXX. I made multiple attempts to reach XXXX offices in XXXX, TX ( XXXX XXXX ) and at XXXX XXXX, MO ( XXXX XXXX ) but no one attended to the calls. I have excellent credit history but need assistance from your agency to avoid exploitation and unnecessary harassment of consumers like me.
Consumer complaint received 2022-10-07
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. (CT)

XXXX XXXX credit card company in XXXX admitted sending a card renewal notice to my landline telephone, which can not accept ANY test messages- this resulted in XXXX XXXX charging me for a missed payment, a late fee and finance charges- TWICE. Since I had not used this card for ANY purchases over the prior 12 months I did not monitor this card status.- however, when I did check, on-line in XXXX, I then became aware of this situation and immediately called XXXX XXXX and asked to have this corrected - but the representative informed me that there was nothing he could do - at which point I asked to have ALL accounts CLOSED - which was done. HOWEVER, XXXX XXXX did not remover correct the " 30 days past due '' reporting, which was entirely of their making. I contacted XXXX, Equifax and XXXX, both on-line and by certified letter in XXXX informing of the facts and requesting the the " 30 days past due '' be removed from their reporting. XXXX- changed the posting to " account closed '' at customers request. Equifax, supposedly investigated, but refused to change the posting, while clearly being given self-serving information from XXXX XXXX- who refused to recognize that THEY created the negative situation they were reporting. I am still waiting for the response from XXXX.
Consumer complaint received 2022-02-21
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: Experian Information Solutions Inc. (TX)

I am requesting that my credit report dispute be reviewed. This is the XXXX attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendmark Financial Services (CA)

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report. 


Account Name : LENDMARK FINANCIAL SER Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove this from my credit report.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase bank closed my checking account with $ XXXX available as a balance. A check had cleared my account written by XXXX XXXX XXXX as a claim settlement from a total loss automobile accident for XXXX XXXX XXXX XXXX  with just XXXX miles purchased less than three months suffering as a result XXXX XXXX XXXX due to XXXX XXXX XXXX insured drivers 100 percent at fault. I represented myself as pro se with all attorney terminated. Was told that my money was been send and would received it in ten days according Chase. Chase had misplaced my first check in XXXX with mal intend. A second check was reissued after chase lost the first $ XXXX by dishonest employees engaging in fraud, manipulation, and illegal banking collusion trying to steal my $ XXXX. I called XXXX XXXX XXXX and was confirmed the the $ XXXX had written cleared my account with all correctly submitted supporting documentation presented in goodfaith as 100 percent entitled to my money. After the check have properly cleared my account through Federal Reserve or bank check clearing process, they want me to have XXXX XXXXXXXX XXXX reissued a third check that have already been cashed out of XXXX XXXX escrow account. That is collusion and fraud. And, it is illegal with reckless neglect for banking law and legally acceptable documentation provided by me providing ownership of funds 100 %.
Consumer complaint received 2022-02-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (GA)

On XX/XX/2022, I consumer, XXXX XXXX, went into XXXX BMW, to enter into a consumer credit transaction. The business manager, XXXX XXXX, stated he did not know what a consumer credit transaction was. I explained to him what it was and he then asked me how would he get paid for the vehicle. I explained to him he would get the money for the vehicle. He acted like he still didn't know, so I asked for a buyers order to take to a bank to enter into a consumer credit transaction. I went to XXXX XXXX, in which they stated they only do auto loans, which is a violation of 12 CFR 1431, because banks can not issue loans nor extend credit. The following day, I was attempting to extend credit through BMW Financial Services, and was denied the extension of my own credit. XXXX XXXX, stated BMW XXXX XXXX required the consumer to have a minimum score of XXXX, although there is not a law that states a consumer must have a minimum credit score.
Consumer complaint received 2018-12-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CURO Intermediate Holdings (TN)

XXXX XXXX XXXX XXXX continue to call my cell phone while I was at work. I answer the phone and ask for them to not call during my work hours. The agent rudely stated she will call as many times as she likes, I hung up the phone because I was at work and she called back 7 more times repeatly. That was very stressful because I had to turn off my phone so she would stop calling.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC (PA)

I tried to attend an online education program back in XXXX by XXXX XXXX. After like 3 weeks I felt the program was a waste & advised them to close my account. Well the account ended up in collections in XXXX. I don't know if this even is the same company that tried collectiing before or a different one. This collection company that this debt was sold to is reporting it as a new debt opened up in XX/XX/XXXX. This is not the case. Maybe that's the day they acquired the debt but the debt is approxiatemately going on 3 years old. I've disputed the accuracy of these dates on my credit report multiple times to no avail. I have not received any proof as to when this account was closed and/or opened by Ability. Both XXXX XXXX & Ability have multiple complaints against them on the XXXX  website about their collection antics! I want the correct dates on my credit report as to when this acct went into collections not when it was bought & sold to a collection agency! XXXX XXXX will be my next complaint.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

I got a call a while back from someone at the executive offices asking for my permission to record the call. After I told them they don't have permission to record me, they said they would have someone else call me back. I received a voice mail with instructions telling me what to do and how to get in contact with someone : I need to call them back or else they're going to consider whatever matter they needed to bother me for closed. I called the number they left me and left a voice mail. 

Almost a week later, I still have not received another call back and I think they falsely marked the complaint as closed because in such time they made no efforts whatsoever to call me back at the number that I provided.
Consumer complaint received 2023-08-22
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: Resurgent Capital Services L.P. (NC)

Pursuant to 18USC 8, i owes no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681 ( b ) 2. Company has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2021-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (GA)

( Credit control LLC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) has been sending me collection notices in the amount of ( XXXX ) and ( XXXX ). The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX {$2100.00} XXXX XXXX {$3500.00} XXXX XXXX {$4500.00} XXXX XXXX {$2400.00} XXXX XXXX {$990.00} XXXX acquired my student loans from XXXX  XXXX XXXX on XXXX XXXX, and reported XXXX late payment for each loan in XXXX. XXXX  XXXX XXXX never reported any late payments nor was I ever late on any payment.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Experian Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX Account Number : XXXX Please remove it from my credit report. 

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO XXXX XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (HI)

I am writing to formally dispute and request the removal of unauthorized credit inquiries from my Experian credit report. Upon thoroughly reviewing my latest credit report, I observed eight credit inquiries that I did not authorize nor recognize. Therefore, I am disputing these inquiries and am requesting their immediate removal from my credit report. 

The unauthorized inquiries are detailed as follows : 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 I kindly request a comprehensive investigation into these inquiries and urge you to take prompt action to have them expunged from my credit report. The presence of these unauthorized inquiries is adversely affecting my creditworthiness and hampering my ability to obtain new credit opportunities. Furthermore, I would like to receive a detailed report of your findings within 30 days. 

Additionally, I would appreciate it if you could furnish me with a copy of my credit report once this issue has been satisfactorily resolved. 

Thank you for your attention to this matter and prompt action to rectify it. I eagerly await your response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX.