davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-16
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DEEP SOUTH FINANCIAL SERVICES INC. (LA)

On XX/XX/XXXX I was arrested for writing worthless checks in XX/XX/XXXX, company at that time was under XXXX XXXX since then has been bought out by Deep South Financial Service which location I do not know there is three in XXXX La. one at XXXX XXXX XXXX Zip XXXX, one at XXXX XXXX XXXX XXXX Zip XXXX, one at XXXX XXXX XXXX Zip XXXX The charges were for the amount of {$75.00} After bailing out of jail, and loosing a days pay. The next morning my daughter took it upon herself to call her friend, XXXX at Deep South to get information regarding the account. And XXXX provide that there was a XXXX XXXX XXXX on the account not two much more information was showing. In the mean time I was dealing with District Attorney 's office and the charges were dismissed immediately. My daughter called me and advised me that her friend XXXX from Deep South called her and told her that the charges were dismissed. May it have been my daughter or anyone else information was released without the proper authorization to do so. This XXXX never asked to speak to me or a way to reach me to discuss anything much less get the proper authorization to release anything on me.
Consumer complaint received 2018-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (GA)

Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, Security Credit Services, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and Security Credit Services continue to report the account as belonging to me, affecting my credit report.
Consumer complaint received 2023-06-13
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 (DC)

Company : Bank of America XXXX In accordance with the fair credit reporting act XXXX XXXX, Has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with Bank of America has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. The account is showing completely different dates of last activity for each bureau which is completely inaccurate and false reporting. 

They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.
Consumer complaint received 2018-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It has been brought to my attention that an old account ( XXXX XXXX XXXX ) has been removed and put back on my credit report numerous of times.
Consumer complaint received 2018-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery has called several times a day including Sundays on a debt that has been wiped clean by XXXX due to it being almost 19 years old. However, even with that info Portfolio Recovery still calls and still harasses,
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is reporting an account for XXXX XXXX in the amount of {$590.00}. I am not familiar with this account and have sent several letters over XXXX plus months to Portfolio Recovery requesting them to validate that this is my debt. They have not responded.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Ray Skillman Westside Imports Inc (IN)

On XX/XX/18 I went to seek purchasing another vehicle. I already had a pre-approval from XXXX XXXX that I wanted to use for financing with the printed out confirmation number. I informed the salesman ( XXXX ) when he went back to his finance rep 's office ( XXXX or XXXX was his name ) that I did not want my credit ran through different banks and that was the reason for me trying to finance through XXXX XXXX. Later that night when was home I started receiving XXXX XXXX emails informing me of inquires ran on my credit through XXXX and XXXX. I did not give them permission to do this and when I informed the salesman of this they should have asked my permission first. I called them on XX/XX/18 and was told that they can't do anything about removing them now. That's unacceptable and very unprofessional. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX
Consumer complaint received 2018-09-16
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: EQUIFAX, INC. (UT)

I have a {$5000.00} line of credit from a company called XXXX XXXX. I had to pay to join this club and have been member since XX/XX/2015. In recent past the company changed owners. This account somehow was dropped from my Equifax report causing my credit score to drop over XXXX points. I contacted the company who said they would send through an update so credit bureau had accurate info. The correct information is on my XXXX and XXXX reports put has not been reinstated on my equifax report which has negatively impacted my report
Consumer complaint received 2018-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Hi-I previously submitted a complaint to CFPB ( XXXX ) in XX/XX/XXXX. Either CFBP misunderstood the complaint or XXXX XXXX   misrepresented the response. 

The issue continues to be that fedloans has not properly calculated payments for the Public Service Loan Forgiveness Program. 

I am a former XXXX XXXX and currently an XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX. Other than a few months ( approximately 3-4 ), I have been making qualifying payments since XXXX. Yet, XXXX continues to miscalculate this. 

Would like this elevated ( potentially to the senior leadership at the Dept. of Education ) as this issue has been going on now for several years. My cell is XXXX. My work email is XXXX and personal email is XXXX Thank you and sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-03-19
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. (MD)

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 : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # 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 2018-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

Today, XX/XX/2018 I, XXXX XXXX, opened a letter from Resurgent Capital Services. Their letter stated that I recently made a payment for reference ID : XXXX in the amount of {$25.00} which was credited to that reference ID. I have NEVER made a payment to Resurgent Capital Service for that reference ID. I made a payment to XXXX XXXX, XXXX in the amount of {$25.00} for account number XXXX for my debt for XXXX XXXX XXXX. At no time did I indicate that the payment be for the XXXX XXXX XXXX XXXX I believe Resurgent Capital Services is miss applying payments in order to use that against me. I am requesting full fraud investigation be opened on Resurgent Capital Service. I did send the company an email requesting more information, but I believe this is an  attempt to gain leverage by misapplying the payment an old account.
Consumer complaint received 2018-08-24
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: Experian Information Solutions Inc. (NC)

I recently tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.
Consumer complaint received 2018-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently tried to correct an issue with my personal credit report, by disputing accounts that were fraudulently obtained and reported on my personal credit report. According to the Fair Credit Reporting Act. Sec 605B these items accompanied with proof of Identity theft will be removed in 4 days. Although I submitted all the required documentation this was not the result I received.
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

Company closed my XXXX XXXX XXXX XXXX XXXX account without warning or consent due to reporting agencies. I did not change anything on my credit report, so there is no reason why they should have closed the account. I have had this account for 3+ years and this has negatively affected my credit score. Also, a representative attempted to collect payment without even notifying me that the account was closed. Informed me that I must apply all over again, which did not work and dinged my credit once again.
Consumer complaint received 2022-03-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

due to negligence and falsified information being reported from consumers, I have been struggling to obtain financial assistance during the economical impact that COVID-19 has brought for thus another year. I have many unverified accounts that present invalid information. I have attempted to reach out at the least 3 times, every 30 days with no results or answers relevant to my demand of validity. I am seeking a final step before legal actions are taken upon all three credit bureaus. they have all failed to respond within 30 days. I demand Justice. The bureaus allow this terrible work ethic and don't do a good job validating correct information. So many people have been failed by the bureaus lack of care and it is time to protect our rights. I have sent both my dispute requests and a failure to comply letter to all 3 bureaus which i will include in this report.
Consumer complaint received 2022-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received a letter from CAPITAL ONE AUTO FINANCE with the threat of repossession for the amount of XXXX, XXXX with the last day for payment of XXXX. A tender of payment according to UCC 3-603 was sent to CAPITAL ONE FINANCE on XXXX for the amount of XXXX, XXXX, XXXX. It was received at XXXX am on XX/XX/2022 picked up by a individual, at the postal facility. Speaking to XXXX XXXX ID XXXX from the office of the president on XX/XX/2022 at XXXX stated to me that CAPITAL ONE follows all USC AND UCC CODES. Today upon XXXX, XXXX  upon speaking to CAPITAL ONE AUTO FINANCE it was said to me that they had not received my tender of payment yet.
Consumer complaint received 2019-05-07
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. (AL)

I recently pulled my credit report e.nd se.w items that i didn't approve of neither do i recognize these items. I need removed from my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX/XXXX, DEPTEDXXXXT, XXXX ... XXXX XXXX XXXX, US DEPT ED. I reached out to the FTC and my local police and Im also doing this on my own behalf.
Consumer complaint received 2018-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

My account was closed without any notice, I went to use my card with a XXXX   balance and was informed it was closed. I called customer service to find out why and was told a letter is on the way to me and the account was closed based off of the information provided by XXXX. I looked at my XXXX   report and my score has increased over 70 points in the last 2 months - no collections as of XX/XX/18 and not negative marks. How is that good information reason to close my account? I am trying to purchase a house and was told not to close any accounts as that will impact my credit. Closing my XXXX XXXX account is in retaliation from Synchrony from my filling a complaint in XXXX asking for my lowered credit limits to be increased. How is it that my credit improves and then my account is closed. I paid all but 1 Synchrony account down to a XXXX balance and then they close the account based off of bad credit details provided by XXXX. My score is higher with XXXX now that it has been in the last year or so - so I do not understand. Why was my account closed and was the information valid from XXXX?
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I recently pulled my credit report e.nd se.w items that i didn't approve of neither do i recognize these items. I need removed from my credit report. XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX, XXXX ... XXXX XXXX XXXX, US DEPT ED. I reached out to the FTC and my local police and Im also doing this on my own behalf.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

I am having the worst experience with State Employee Credit Union. It all started in XX/XX/2018. I was having an issue with XXXX accessing my account. They debited on XXXX and XX/XX/XXXX. I don't know how they received my information but I disputed it. That went well but I was advised they would be blocked and of course they were not. So I called back and was advised to switch debit cards. So I did, Then XXXX charged the new account. I then closed the account per bank advise again. And yes XXXX now has charged the new acct. So then I was advised that banks give the company 's the new card numbers. Never heard of such a thing. I was advised to again get a new card and stop the process of giving the company my new information. As if all of that was not enough. On XX/XX/XXXX I started paying my XXXX XXXX payments via checking account and XXXX closed my account via checking account reporting closed when we call into credit union the account was clearly open. Now today I tried to deposit funds from my XXXX account. Now they are reporting the account I just opened and have direct deposit to is closed. I contact the bank and stated I have not used the account in 3 days so they closed it. I just cant get a break with this bank. Its so many grey lines and I have never experienced with any other bank. I am terrified of what to expect from this bank.
Consumer complaint received 2018-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

TO WHOM IT MAY CONCERN AT CHASE BANK ' I AM SENDING IN A NEW PIECE OF EVIDENCE RECORDED TODAY AT MY MOTHERS HOME, XX/XX/XXXX TO PROVE I WAS AUTHORIZED TO TAKE MONEY FROM MY MOTHERS XXXX XXXX XXXXXXXX ACCOUNT AND ANY OTHER ACCOUNTS FOR THAT MATTER WHEN SHE WAS CRITICALLY ILL DURING THE MONTH OF XX/XX/XXXX THROUGH XX/XX/XXXX. 
YOUR BANK IS STILL HOLDING XXXX CENTS OF MINE FROM ACCOUNT XXXX AND XXXX. 
THIS ATTACHED RECORDING MENTIONS THE CLAIM NUMBER, XXXX  XXXX XXXX BY NAME AND MY MOTHER SAYING IN HER OWN WORKS SHE TOLD ME TO TAKE THE MONEY FROM HER XXXX  XXXX XXXX ACCOUNT. ACCORDING TO XXXX XXXX XXXX ONLINE DISCLOSURE POLICES AND RULES, THAT MAKES ME AN AUTHORIZED USER. ALSO OF COURSE SHE GAVE ME HER USER NAME AND PIN NUMBER OTHERWISE HOW I WAS TO TAKE THE FUNDS OUT FROM HER ONLINE BANKING. 
THIS WILL CONCLUDE THE UNEQUIVOCAL EVIDENCE TAKEN TODAY, FROM MY MOTHERS OWN WORDS. SHE ALSO SAYS SHE NEVER SENT BACK THE FORMS TO XXXX XXXX XXXX, AND I SAW THAT MYSELF TODAY AS WELL. 
THEREFORE, PLEASE CONCLUDE YOUR INVESTIGATION AND RIGHTLY RETURN MY FUNDS IN FULL TO ME ASAP. HERE IS THE AFFIDAVIT I SENT TO XXXX XXXX XXXX AND THEY MUST ALSO COMPLY WITH THEIR RULES AND POLICIES AND HONOR THE EVIDENCE HERE FROM MY MOTHERS OWN VOICE. WHICH I HAVE BEEN TELL YOU AND THEM ALL ALONG AND ALSO SUBMITTED OTHER RELEVANT EVIDENCE PREVIOUSLY TO YOU AND XXXX XXXX XXXX. XXXX XXXX XXXX IS OUT OF LINE TO MAKE ANY RULING AGAINST ME. I SPOKE WITH AN ATTORNEY AND ALSO LET HIM LISTEN TO THIS RECORDING TONIGHT FROM MY MOTHER AND HE SAID THIS SEALS THE CASE IN MY BEHALF AND PROVES MY INNOCENCE FROM ANY WRONG DOING. IF I NEED TO GO TO COURT IN A CIVIL HEARING ON THIS I WILL. I HAVE DONE NO WRONG DOING AND CHASE SHOULD RESTORE THEIR RELATIONSHIP WITH ME AGAIN. 
XXXX XXXX XXXX 'S DISCLOSURE STATEMENTS REGARDING THIS ISSUE BELOW>>> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- B. Limitation of Liability for Online Banking Transactions : When you give someone your Online Banking ID and passcode, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (DC)

Dear Sir/Madam : I received a notice from New American Funding on XX/XX/XXXX. The notice stated that my required escrow payment will increase by more than 800 % beginning XX/XX/XXXX, from {$60.00} per month to $ XXXXThis will increase my monthly payment by 33 %. 

The mortgage originated in XX/XX/2021. 

In reviewing the documents, it is clear that at the origination of the loan, New American Funding made errors in estimating the closing costs, and in setting my payment, and that the loan approval and payment calculation was based on this error. 

The closing documents list property taxes of {$60.00} per month. However, the correct property taxes charged by DC are about {$400.00} per month. This error is repeated on multiple documents. 

New American Funding now is increasing my payment to cover both the correct property taxes ( about {$400.00} pr month ), and the approximately {$7000.00} shortage from last year that resulted from their error. The error was repeated in every step of the closing process.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One sold or gave a fraudulent account to XXXX XXXX to collect on a debt that i do not owe a debt that was due to fraud. Capital One sold or gave these accounts to XXXX XXXX for the purpose of harrassing me and my family. 
Capital One intentionally did this for the pupose of harrassment by XXXX XXXX. 
I have reached out to capital One several times all certified mail and verifed phone communications. Capital One has ignored and refuse to do a proper investigation. 
I have asked that they remove the account from XXXX XXXX XXXX and do a proper investigation into these accounts. 
My address is ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ) The accounts are listed under a fraud address, ( XXXX XXXX XXXX XXXX XXXX XXXX ) That is not my address. 
Please remove the Fraudulent accounts from my report and contact XXXX XXXX XXXX and remove the account from them. Capital One is the original creditor so they must comply. 
Plaese remove any and all accounts bearing my name or SS #. 

XXXX XXXX XXXX Opened XX/XX/2017 {$1200.00} Original creditor : CAPITAL ONE N A XXXX XXXX XXXX Opened XX/XX/2017 {$1700.00} Original creditor : CAPITAL ONE N A