davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

This is a debt that I don't owe and it was reported before and resolved, now a new collection agency is trying again but is not right. 

Please help the company is XXXX  and is using a new billing company : Southwest Credit Systems , LP this was resolved before and by error, it looks they send it wrong to a new agency.. which is hurting my credit again If you see I have excellent credit that I have been working hard.
Consumer complaint received 2021-05-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Illinois Lending Corporation (IL)

Illinois Lending has been contacting me about loan payment. I have already notified them that I have sent several written checks to their offices, to which they say they can not accept because they have no correspondence with the office I sent it to due to it being closed. I have made them aware that since these came from my electronic bill pay account through my bank, the money has already been taken for submission to them and I am awaiting the time where it is re-credited to my account. After this, the company started calling me more than once within an hour and then started calling me privately and leaving voicemails. I would sometimes get calls back to back from my regular phone from their XXXX number, then private calls from them following this with left voicemails identifying themselves, and later within the day they would call my business to speak with me and after speaking with me would call right back to let me know that they need payments after we had just discussed it. I have been contacted by XXXX, XXXX, XXXX, and several others both by anonymous ( private call ) and regular call with identification over 30 times this week alone and we are only 3 days in.
Consumer complaint received 2022-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc. (PA)

Required disclosure by the collector ( credit corp solutions ) did not include information informing me ( the consumer ) that additional information regarding consumer protections in debt collection is available on the bureau 's website at www. CFPB.gov/debt-collection. Did not disclose the specific link according to 86 FED. reg. 5766 at 5812 ( XX/XX/2021 ) on validation notice. ( 1006.34 ( c ) ( 3 ) ( iv ) The validation of debt was not provided as requested by law ( 15 USC 1692g ). The debt collectors mailing address is in question. The debt collector can only include one mailing address in the validation information. Two different addresses are listed on two of the verification notice for the same reference number XXXX. 

The debt collector failed to confirm my identity according to Reg f official interpretations. The collector must produce my name, first, middle and last name as provided by the original creditor. The debt collector omitted my full name and has not satisfied the requirement to provide the consumer 's name pursuant to ( Reg f ) 1006.34 ( c ) ( 2 ) ( iii ).

The original account number/truncated version of the originating creditor ( not the debt collector ) is not correctly specified on the any of the validation notices provided by the debt collector 15 USC 1692g .
Consumer complaint received 2022-04-09
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. (NC)

Experian, XXXX, XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
XXXX. XXXX XXXX XXXXXXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
XXXXXXXX XXXX Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
XXXX. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
XXXX XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
XXXX. Collection accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
XXXX. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
XXXX. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (WA)

I have had a home mortgage with CIT Bank since XX/XX/XXXX. Recently i refinanced that loan and the loan amount with CIT bank was paid off on XX/XX/XXXX. At that time my loan had an escrow balance of {$7300.00} which I should be refunded. Since then i have been trying to call CIT bank and XXXX the servicing company used by CIT bank and have not been able to speak to a customer service representative to understand how i will get my escrow balance back.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXXXXXX and all payments were placed on Autopay. 
This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made by XXXX XXXX XXXXXXXX and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

- 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! I demand that they delete the late payments from my consumer reports.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 Use 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, have 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 an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (MO)

This is a fraudulent account and I want this account removed ASAP from my credit report. This is not mine and it is causing issues in me getting approved for my house. 

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 

The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/2021, I bought items at Victoria 's Secret for {$31.00} and offered my store credit card for payment. The sales person told me that the store credit card was declined so I gave them my Mastercard which was successfully charged. The charge showed up on my mastercard and I paid the charge. Subsequently, Victoria 's Secret has also placed the charge on my store credit card. I have called and explained to them that I paid via Mastercard on XX/XX/2021. I wrote them an email stating the same. I have given them a copy of my Mastercard statement as proof as well and have the original receipt with the authorization number. They have since added late fees and interest payments and refuse to remove the charge.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (CO)

I am trying to obtain statements from my bank to show I paid taxes. I need these documents to prove I paid taxes so I can buy a home. My closing date is XX/XX/22 and this is the only thing holding up my file. 

I have tried to contact TCF Bank multiple times and been to the branch, but they are unable to provide me with my previous statements showing I paid my taxes. I know under the FDIC, they must keep documents especially from the past few years. 

My bank was originally Huntington Bank but then TCF bought them. They have pulled up one statement but keep making excuses on why they can't generate my previous statements. They keep referring the info in some type of storage or vault. If I do not get this documentation, I will lose out on this house. I just want them to provide me with the correct statements showing my taxes have been paid.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

I sent in a letter around XXXX and gave this company 30 days to verify this debt they sent me a bill but it did not have anything about verifying the debt, 30 days later I sent them another letter to verify the debt because it had nothing to verify that the debt was actually mine ; and told they had 15 days but they never responded and its been almost three months ; the second letter was sent on XXXX/XXXXXXXX. The debt is in the amount of {$880.00}
Consumer complaint received 2022-01-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (IN)

On XX/XX/XXXX, I logged onto my Regions mobile banking app and found that Regions had removed {$3300.00} from my family 's general savings account and {$3400.00} from a savings account my wife and I opened for our son when he was born in XXXX. When I contacted Regions bank that night and then again the next day, Regions told me that someone had gone into two of their branches in Texas on XX/XX/XXXX, presented two private party checks payable to " XXXX XXXX '' ( my name ) in those amounts ( drawn on an account I don't recognize out of NY ), and been permitted to cash both of those checks because the Regions teller saw that I had enough money in savings to cover these two checks. The forger had written my SSN correctly on one check and incorrectly on the other check, and the signatures do not match my own. 

In any event, Regions accepted the checks in what I'd imagine was a hilariously clear violation of their own policies re : accepting checks considering the large amounts, non-matching signatures, incorrect SSN information, and me not having set foot in Texas in more than two decades. 

When Regions learned on XX/XX/XXXX that the obviously forged checks were in fact forged and that the bank had taken a loss of {$6700.00} as a result of not following their own policies, they removed that amount from my savings account with no prior notice to make the bank whole. In a pandemic, no less. 

I filed a police report, followed up with credit bureaus, and submitted all of the proper paperwork with Regions. Regions told me they had 10 business days to make a determination and credit my account. When I went in today ( day 10 ), the bank told me they actually had 30 days to figure out what happened and maybe give back the money they took from my account to " fix '' their mistake, at least as far as Regions ' bottom line is concerned. 

I've read the deposit agreement and can't find any provision that would allow Regions to accept a couple of ( patently suspicious ) forged checks in some lawless southern hellscape a thousand miles from here and then make themselves whole by pilfering my XXXX XXXX XXXX 's savings account. But you do you, Regions.
Consumer complaint received 2022-01-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Revolution Financial Inc. (MS)

My name is XXXX XXXX. Main Street Personal Finance ripped me off big time. They also dba XXXX XXXX. I borrowed {$12000.00} and wound up paying {$120000.00}!! Then at the time of payoff they charged me an extra {$10000.00} for attorney fee for writing me letter giving me 2 weeks to pay off the balance which {$3000.00}. When I carried the {$3000.00} they refused to take it and wanted {$13000.00}! I had to come up with {$13000.00} in 2 weeks time or lose my home!! I have all my paperwork and receipts!! They are crooks!!
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX XXXX XXXX account. Transunion reports incorrectly that this account has a credit limit of {$64000.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly that this account 's date of first delinquency is XXXX/XXXX/2009. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

This is my third complaint against Bank of America. They ( without any notice or warning ) closed my account. I had reported them to the CFPB, XXXX, FDIC, and filed police reports against them. I believe this is why they closed my account. The reason I filed complaints was because they allowed another " valued '' bank of america customer steal {$6900.00} from me. The closed my account without any warning which left me without needed medical supplies. This bank never ceases to amaze me. They are the worst, and I will continue to blast them in every social platform possible.
Consumer complaint received 2021-05-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (FL)

Mercedes Benz Financial Services ( MBFS ) deducted a payment from my checking account 3 weeks after I turned in the vehicle at the end of the lease. They indicated the dealer Mercedes Benz of XXXX did not pay off the vehicle when it was turned in. I called MBFS on XX/XX/21 and they said they would refund in 2-3 days, but after XXXXhree days I received no refund. I called Mercedes Benz Financial Services today and now they are saying they won't refund my money for at least 3 weeks.
Consumer complaint received 2022-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KY)

I needed to place a freeze and an alert on my credit as a result of suspicious activity. I went to all three credit bureaus. Had no problem with XXXX of them, but Experian was a different story. A XXXX search result took me to a legit Experian site, where I went through a sign up process. The login URL for this site is https : //usa.experian.com/login/index. This site is a membership site that offers credit monitoring by Experian for {$24.00} a month. Nowhere on the site does it mention or offer a link to placing a freeze on my credit profile or an alert, which is what I wanted to do. Both of these are free. So in short, Experian is using promoted search results to ensure that consumers get directed to their pay services instead of basic credit services, which are supposed to be free. I saw no indication that what I was creating an account for wasn't my actual credit bureau file and related services. This is deceptive and goes against the spirit of the regulations requiring that alerts and freezes be made available for free. At a minimum there needs to be a landing page that asks consumers if they're trying to place a freeze or alert and redirects them to those resources. Instead I went through the entire sign-up process just to be offered a service that I have to pay for but wasn't looking for in the first place.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OH)

BBVA has been warning for months about shutting down their Simple banking service and moving everyone to BBVA. On Saturday, this transition happened, and their system immediately broke. There is no way to fix it online, and calls to customer service involve being on hold for hours only to be hung up on. I can not access my money or my account.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) || Account number XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) || Account number : XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  Date of inquiry : XX/XX/2022
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act 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 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 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (HI)

Since XXXX of 2021 I have repeatedly disputed an inaccuracy with EARLY WARNING SYSTEMS about 5 times to this day to have a XXXX  XXXX XXXX account that isn't mine, they never provided me proof of signature when requested about this account. I've tried opening a checking account with XXXX again today to be denied due to this one account that they said supposedly " falls off '' in XXXX of this year. XXXX had the audacity to call my claims and demands for the report to be removed " FRIVOLOUS '' and implied they wouldn't move forward without " NEW PROOF '' for a continued dispute. I keep getting declined due to their negligence and want them held accountable