davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-05
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 (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : BANK OF AMERICA, ACCOUNT NAME : XXXX, DATE : XX/XX/2014, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX
Consumer complaint received 2021-11-18
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. (CA)

I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Mercedes Benz Financial Services (NY)

On XXXX, XXXX 2021 I entered a Consumer Credit Transaction at XXXX the dealership located at : XXXX XXXX XXXX XXXX XXXX, NJ XXXX. I entered the credit transaction for a finance of a XXXX XXXX XXXX XXXX XXXX  XXXX number : XXXX. 

During the transaction XXXX XXXX XXXX and XXXX coerced me into making a cash downpayment of {$10000.00} which is a clear violation of 15 USC 1605 as there should be no cash involved in a consumer credit transaction. After that they unlawfully with no consent from me placed a lien on my property by lying to me.

After that I went home and realized I was violated as a federally protected consumer under the Truth In Lending Act, I decided to exercise my right to rescind pursuant to 15 USC 1635. I sent out my written notice to the dealership and XXXX XXXX because they were included in the transaction through XXXX without my consent . 

Once I Exercised my right to Rescind the necessary action to reflect the termination of the security interest created under this Consumer Credit transaction should have been made, but was not. 

The written notice was delivered to both corporations on XX/XX/2021 with tracking numbers : 1. XXXX 2. XXXX These two corporations have failed to stay in honor and compliance with the Truth In Lending Act by lying and creating a fraudulent loan when this was a Consumer credit transaction not a loan.
Consumer complaint received 2021-11-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (CA)

I called Santander to settle a closed account that was closed in 2015 due to repossession. I called from a recorded line and have verification that the account was settled for {$1500.00} - I told them this was all the savings I have as my family is homeless and they took the payment and swore 7 times that this would be taken off my credit report - I disputed the information with XXXX - providing receipts and the dispute came back as accurate and it was dismissed despite my verification. I still cant get a home for my children and I because of this appearing on my credit report - despite me paying this company and having them swear on a recorded line it was settled and would be removed from my credit report I have audio documentation and receipts. Im writing this from the car we sleep in. I cant sleep from anxiety this is causing. I have XXXX young children Please help
Consumer complaint received 2019-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (SC)

I have paid off the collection CONNS XXXX, but it is still showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (ME)

I applied for and got a credit card to repair my credit after I made the first payment I requested a payment date for which would work for me and I wouldn't have the problem I have now on my first request they said they would change the date of payment to be received because my ssa check wouldn't be available till then nothing happened and they started raising my interest and late charges so I called them again and and again it took about four month to finally get the date changed by now evary payment I have been paying all went to interest and late charges.i just could not get down to my regular payment now instead of helping my credit I lost almost 100 points because of this I just can't seem to get caught up with them because of their lack of costumer support .and now I am thinking about bankruptcy .this might be my only option.my credit score is so low now I can't see it getting back up there. this was a bad choise getting this card but I did it to raise my credit score not lower it .Thank you
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Neon Newco Corporation (IA)

I received ereceipts regularly from companies " thanking me for my paypal payments '' and the only money accounts I have a either NetSpend or pay pal which are originally funded by the IRS stimulus. I will get these fraud alerts to call them but then when I call theu know nothing cant see it on their end. Netspend and paypal are connected and neither one will do anything about it.They never said they would charge every time the card was used and there is at least one XXXX stimulus, possible 2 or more the IRS money the say got deposited to my account is different than the monthly statements and they wont do anything.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

COLUMBIA DEBT RECOVERY IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND COLUMBIA DEBT RECOVERY IS STILL TRYING TO COLLECT. I even submitted a cease and desist. I attach the letter too and they could not provide the promissory note of this alleged debt. COLUMBIA DEBT RECOVERY is in violation of 12 CFR 1022.41 ( d ) integrity. I need this account DELETED now!
Consumer complaint received 2021-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc. (CA)

Sometime early this year I began to receive emails harassing me and threatening to slang my social security and other private information saying I owe for a loan back in 2020 amount which they say I borrowed from the company was {$500.00}. When I ask for the company they cant provide it or any info proven its me. Also I received text messages reading XXXX from XXXX ( XXXX ) XXXX XXXX transactions, for {$1000.00} cIeared on, XX/XX/XXXX. lf this wasn't you, go here XXXX XXXX XXXX but address ends with my phone number when I tap on address it follows by saying ( XXXX XXXX has been beached )
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following phone numbers, employers and addresses do not belong to me remove them immediately : Numbers : XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX La XXXX XXXX XXXX XXXX, XXXX la, XXXX XXXX XXXX XXXX, XXXX, LA XXXX
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

1.5 years have gone by ... ... ... ..... 

No response yet as to my querie I received XX/XX/XXXX letter It bascially says still researching If you see my info Following : This dispute has been in progress since XX/XX/XXXX My records show : XX/XX/XXXX ( {$60.00} credit ) XX/XX/XXXX rebill {$60.00} XX/XX/XXXX I made payment {$60.00} and not a credit XX/XX/XXXX ( XXXX ) credit Thus I did not get credit for dispute as there two credits, one rebill ( XX/XX/XXXX ) and my payment {$60.00} on XX/XX/XXXX statement In summary XXXX {$60.00} billing ( including my {$60.00} payment ) and two credits ( XX/XX/XXXX, XX/XX/XXXX ) so I fail to see where is credit XX/XX/XXXX Chase agent response said following : XX/XX/XXXX posting {$60.00} XX/XX/XXXX {$60.00} credit XX/XX/XXXX rebill {$60.00} XX/XX/XXXX ( {$60.00} credit ) I do NOT see these entries on my back statements Please lets not drag this out more than a year now See entries and you will see I did not get credit as I paid {$60.00} payment on XX/XX/XXXX A 1.5 year gone by now and still no resolution
Consumer complaint received 2021-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

I notice this company via mail. I was never noticed my mail from PORTFOLIO RECOVERY who will be responsible parties to this complaint. According to violation of The Privacy Act of 1974 ( 5 U.S.C. 552a ) requires that the following notice be provided to you : The authorities for collecting the requested information from and about you are 421 et seq. Privacy act laws require authorization or no action can be taken. Show all pages of the assignment document that sold the account, providing what day it was purchased, how much it purchased for authenticated copies of information that was sold this alleged debt?. I deny any and all affiliation between XXXX XXXX and PORTFOLIO RECOVERYCopy of any communication sent to XXXX XXXX before reporting to the credit reporting agency ( ies ) Front and back copy of an authenticated application bearing XXXX XXXX autograph? Any documentation given by PORTFOLIO RECOVERYauthority to report on XXXX XXXX 's consumer credit reports. I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I ( name of complainant ) legally requested a description of the details of verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply to these regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

{$520.00} unauthorized charge from XXXX XXXX ( for the 3rd time ) appeared on cc XX/XX/XXXX, and was immediately disputed. Original charge ( {$500.00} ) disputed on XX/XX/XXXX and a 2nd one ( {$510.00} ) on XX/XX/XXXX. Both first and second charges finally resolved and a credit given. The third charge was disputed immediately, and I have worked over 50 hours to resolve with Citi Bank. I have mailed letters, spoken on the phone and worked tirelessly since XX/XX/XXXXtrying to get a permanent credit on this issue. No charge was authorized, no mdse received. I have had 56 separate touch-points with merchant and cc company to resolve ongoing issue.
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sa-Vit Enterprises, Inc. (CA)

This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Consumer complaint received 2022-12-16
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: MOHELA (NY)

Upon my review of my consumer reports it has come to my attention that Mohela is reporting accounts to my Consumer reports that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft.

18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial instituti
on may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( XXXXXXXX XXXX XXXX XXXX ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX XXXXXXXX servicer have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the 11 accounts that need to be deleted off my credit report immediately 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
Consumer complaint received 2021-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (CA)

We try to submit a modification packet every month but the bank continues to decline by asking for a 6 months profit an loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to decline.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I have never lived at any of the addresses that are reporting onto my consumer reports please remove them immediately : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA
Consumer complaint received 2021-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. I am aware that according to Fair Credit Reporting Act Section 611 ( a ), a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has been over 60 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the XXXX  data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2022-12-03
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: Radius Global Solutions LLC (SC)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan ad late for purpose.
Consumer complaint received 2021-11-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The electronic file provided by Portfolio Recovery Associates as validation of debt for account # XXXX has a balance at the time of sale of {$2.00}, XXXX is erroneous because it includes a {$38.00} late fee overcharged. Because the balance at the time of sale is incorrect it automatically INVALIDATES the electronic file mention above. With this been said Portfolio Recovery Associates is in violation of section 809 ( b ) of the FDCPA because they had failed to provide proper validation of debt. Attach to this dispute I am providing you with 1 ) The electronic file provided by PRA as proof of validation which shows the erroneous balance at the time of sale read above 2 ) Copy of Last Statement which shows the right amount of {$2600.00}
Consumer complaint received 2018-03-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: J Northland Group (OR)

I received a phone call today from a blocked number. They left a voicemail stating " Hello. This message is intended for a ( my name ). This is XXXX ( last name XXXX  ) contacting you about a scheduled delivery of legal documents that requires your signature. This is a courtesy call prior to legal documents being issued out to your home, residence, or place of employment. If you have any questions or concerns or need to reschedule a time of delivery you can contact the complaining party directly at XXXX Again, the number is XXXX. The case number is refer to case ID number ( then gave the number ). Thank you, you've officially been notified. '' I called the number they gave me and spoke to someone named XXXX. They said that I owe XXXX  for a payday loan from 2005 in the amount of {$570.00}. They had my maiden last name, the old address I lived at, and where I worked then. She told me that I had signed a contract saying that they had up to 15 years to come after the debt. She said I was being sued for the amount owed and for intentionally defrauding a financial institution. XXXX  sent me an email that just had the amount owed and the name of the lender. I called back and asked for a copy of the documents I had signed and proof from the company. She told me that it was evidence that XXXX  is using against me in a lawsuit so they can not send it to me. She transferred me to a supervisor who repeated what she said, adding that I would have to attend a hearing in order to receive the documentation. I asked if I was supposed to just pay a 13 year old debt with no proof that I owe it, and she said yes.
Consumer complaint received 2022-12-03
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. there is some inaccurate information reporting. 
XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX