davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

1. In legal filings the company, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has denied it is legally responsible for the acts or inactions as successor to XXXX XXXX XXXX 
2. In previous complaints the company responded for us to contact Bank of America as master servicer. When we did we were advised by XXXX XXXX Resolution Specialist, Regulatory Complaints, that the prior authorizations we provided XXXX  were sufficient for them to have provided a payoff letter and to submit one to him signed by borrower XXXX XXXX and Bank of America would release a payoff letter. It in fact never did. Now we are told to please contact XXXX XXXX XXXX who since XXXX  has refused to provide a payoff letter. The lawyer they now referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom we are in litigation with is XXXX and has lied to the courts and concealed her and her firm have received third party signed authorizations including the one sent to XXXX XXXX Resolution Specialist, Regulatory Complaints, but neither that firm nor the collection firm employed by Bank of AmericaXXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Illinois XXXX provided a payoff letter XXXX
Consumer complaint received 2022-07-26
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. (LA)

XXXX received call at my work wanting to verify someones employment information. I asked who and she said my name, I said what, I have not applied for any loans. The lady name was XXXX and she sent me to fraud department. I immediately called credit agengys to put fraud alert on. Saturday XXXX still had inquires so I set up accounts with all 3 credit agencies and froze my credit. The thief has since tried to access my Experian account online and it is no locked and no one there will help me. I have called everyday. These are companies that pulled my report and I have contacted each one and let them know it is fraud XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga XXXX ACCT # XXXX XXXX
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AUTO CREDIT USA (OH)

Upon further investigation I noticed the notary has become in breach of its oath in connection with my consumer credit transaction with Auto Credit USA and XXXX XXXX XXXX XXXX. Specifically I was not present for XXXX XXXX XXXX to verify my signature. I have the original contract as proof of claim. I gave them more than 21 days to cure with no response. I have the registered mail numbers and copies as proof of claim.
Consumer complaint received 2022-07-26
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. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc. (AZ)

This is regarding a bill from XXXX XXXX XXXX for XX/XX/21 service. 

When I got a bill from XXXX for {$91.00}, contacted that company. They reported that XXXX replied to their claim that information was missing. I got XXXX and XXXX on the phone, and it turned out that the Provider ID was incorrect. It took weeks for XXXX to get the correct information to XXXX, who proceeded to put the claim through their system. They agreed that this bill was theirs to pay and they would submit it through their system now that they had the correct information. 

XXXX decided to send this to XXXX for collection, anyway. When I talked with XXXX, they gave me an email address to show proof of payment. I did so at XXXX a.m. on XX/XX/XXXX. 
When I got another notice, I contacted them again, and they said they never got my email. I forwarded the first email on XX/XX/XXXX at XXXX pm and proceeded to call daily until they confirmed that they received it. 

I was told that they would have to send my documentation to XXXX for verification. That hasn't happened yet, and I received another notice from XXXX on Monday, XX/XX/XXXX. I called them and was told to disregard the notice, but they had no idea when I would hear back from them.
Consumer complaint received 2023-07-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

My account with KIA Motor account # XXXX is reflecting a late pay in XX/XX/2023. This is not accurate the full account was paid off in XX/XX/2023. I have a receipt from XXXX showing Kia received the full payment and the check clearing on XX/XX/2023. I am in the midst of a mortgage and this is harming me.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (TX)

*THIS IS NOT A DUPLICATE COMPLAINT, THIS COMPLAINT IS IN RESPONSE TO COMPLAINT # : XXXX I am writing this letter to formally lodge a complaint against Cavalry Portfolio Services , LLC regarding your abusive , deceptive, and unfair collection practices in the collection of extensions of credit. As a federally protected consumer, I am deeply concerned about the conduct of your company, and I believe it is essential to address the issue promptly.

I refute any alleged agreement or contract, whether implied or explicit, between myself and the original creditor. Moreover, I have never provided any consent for your company to possess my nonpublic personal information. This account is, in fact, a billing error, and I expect you to provide me with documentary evidence of the obligor 's indebtedness.

Additionally, I have reason to believe that Cavalry Portfolio Services , LLC is conspiring with consumer reporting agencies to cause a restraint of trade and commerce, which amounts to racketeering activity. Such actions are in violation of the False Claims Act and are seriously jeopardizing my consumer credit reputation with other financial institutions. By fraudulently furnishing this alleged debt to coerce payment, your company has resorted to threats, duress, and coercion, thereby exercising undue influence.

I want to make it clear that I am legally refusing to pay this debt under the provisions of 15 U.S. Code 1692c ( c ). Therefore, I demand an immediate cease and desist of all illegal activity, communication, and collection efforts related to this and any alleged debts until Cavalry Portfolio Services , LLC provides sufficient documentary evidence of my legal obligation to pay.

Failure to comply with this cease and desist notice will leave me with no choice but to pursue legal action for actual damages caused. In such a scenario, Cavalry Portfolio Service
s , LLC will be held accountable for violations of various acts, including but not limited to TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act.

I hereby request that you promptly provide me with the necessary documents supporting your claims. The receipt of this notice invokes my rights under UCC 1-202f, and I expect a timely response from your company.

Your immediate attention to this matter is both requested and required. I anticipate a resolution within [ state a reasonable timeframe, e.g., 30 days ] from the receipt of this letter.

Please consider this as an opportunity to rectify the situation and resolve the matter without resorting to legal proceedings. I trust that you will treat this matter with the seriousness it deserves and act in accordance with the applicable laws and regulations. 

( ACCOUNT NUMBER : XXXX ) Sincerely, XXXX XXXX
Consumer complaint received 2023-04-06
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. (FL)

Dispute items on my credit report as accurate when in fact is not. According to 15 usc1681b They don't have my written consent to report any item on my credit report to continue to do so is consider identity theft by law.
Consumer complaint received 2023-03-21
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: EQUIFAX, INC. (MN)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-11
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. (TX)

I recently discovered errors on my credit report. On XX/XX/XXXX, I wrote letters to the credit bureaus, and requested that they investigate these errors. They were supposed to conduct their investigations and respond within 30 days. XXXX XXXX did, but I never heard back from XXXX and Experian. I even wrote follow-up letters to XXXX and Experian in late XX/XX/XXXX, but those letters have also gone ignored.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-05
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. (OH)

I have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ARS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ARS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried making a credit card payment from Bank of America utilizing my XXXX checking account. Bank of America is saying the charge was rejected and after calling Bank of America they rejected to remove the {$25.00} return charge fee from the transaction. I then called Bank of America and they said I would need to confirm with XXXX  the transaction and why it was rejected.

I contacted XXXX and was given the following by them : " Thank you for clarifying ; I do not see any declined requests or charges that did not process. If we did not authorize a charge, it would be documented - I do not show any request. '' Bank of America has no right to charge me a fee when my XXXX  checking account has sufficient funds and the pull was not even initiated or recognized by BOA. BOA will not provide a resolution in this matter.
Consumer complaint received 2018-11-22
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. (FL)

Over the last couple of years I fell upon a tremendous financial hardship in that my XXXX advanced causing me to lose my job and file for XXXX ( which still has not been approved ). I advised XXXX on my conditions and a forbearance agreement was animated on my account sometime in early XX/XX/2017. Ultimately I was forced into bankruptcy. XXXX was aware of my bankruptcy proceedings. shortly after my bankruptcy was XXXX I AGAIN explained to Navient that my financial condition was no better than before my bankruptcy began and that I would need a more realistic solution to my hardship without it affecting my credit. They never offered me any type of a ZERO payment solution. What I can't understand is how our government allows for all this poppycock. 1st the XXXX of a private school loan not being XXXX in a bankruptcy with my hardship conditions is flat out extortion supported by our lawmakers. Our Government needs to publicly advertise that if you take out a private school loan you are better off owing the mob because at least the mob will forget your loan when they realize you can't pay. 2nd how does XXXX get away with not offering a more " realistic '' solution like " NO MONEY PAYMENTS '' until ones financial situation changes? anyway enough with my rhetoric. One good thing that came into my life was my fianc. Last month he saw the torment I was going through and he made arrangements to pay off my school loan, stating " our government is designed to XXXX  it's people by design always was and always will be ''. HE IS 100 % CORRECT I '' VE LIVE THROUGH IT. In closing I asked XXXX on numerous occasions to correct my credit reporting on the 120 days late payments to no avail. REAL RUTHLESS ORGANIZATION! So here is what brings this correspondence. Now my credit report reflects that I have paid my loan to XXXX and the account is now closed. BUT MY CREDIT SCORE WENT DOWN AS A RESULT OF PAYING IT OFF AND THE ACCOUNT NOW BEING CLOSED. How is possible that I couldn't pay {$80.00} dollars a month for 4 months and that diminished my credit worthiness to garbage status and after I payoff {$3300.00} due to XXXX that it goes down even further with the credit reporting agencies. Obviously it all must be by design, correct? XXXX has received ALL the monies they were do inclusive of any late payments. I had ONE simple request that they provide a correction to my credit reports on the late payments as a result of the ongoing hardship. WHAT'S THE PROBLEM? REMOVE THE LATE PAYMENTS OR IS IT TRULY BY DESGN THAT OUR GOVERNMENT GIVES YOU SO MUCH POWER TO XXXX ITS CITIZENS?
Consumer complaint received 2021-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JAN (LendUSA) Holdings, Inc. (GA)

Hello, I recently closed on a home using American Eagle as my lender. Throughout the process, I encountered many headaches and what I believe to be clear TRID violations. Before making my final decision on what lender to go with I asked American Eagle to confirm what my interest rate and APR would be if I locked the loan at that time. After delayed responses from them, we agreed to lock the loan with an interest rate of 3.125 % and APR of 3.2 % with XXXX points on XX/XX/XXXX ( this is documented through email ). Despite my negative experience with them up to that point I decided to proceed with American Eagle as my lender because I believed with these loan terms and the builder 's incentive to go with them that they were a good deal. 

Unfortunately, when they sent the CD to me before closing they had reneged on our agreed APR of 3.2 %. The CD had an APR of 3.49 %, which is obviously not what we agreed to. When I asked them about this, they refused to honor the APR of 3.2 %. This was shortly before the closing and at that time it was too late to change lenders and close on time. Changing lenders and missing the scheduled closing date would have forced me to incur major extension charges. As I previously mentioned, I agreed to proceed with American Eagle on XX/XX/XXXX due to the APR of 3.2 % we agreed to lock at. Needless to say, Im very upset that they decided to not honor the terms they clearly agreed to. 

In the interest of closing on time and avoiding expensive extension charges, I decided to proceed with American Eagle despite their shameful behavior. Before closing, I informed them that I viewed them not honoring the 3.2 % APR as a breach of a legally binding agreement and that I planned to consult with an attorney and file a complaint with the CFPB after closing.

I happen to work in the mortgage industry and noticed a few other things that I believe to be violations as well. Early in the process of applying with them one of American Eagles representatives ( XXXX XXXX ) discussed and negotiated interest rates with me via phone and email despite telling me earlier that she was not licensed to do so. Also, I believe they ordered the appraisal before I ever signed the intent to proceed. Although, I can not confirm this for sure since I do not recall for certain when or if I signed the intent to proceed and their system doesn't show this information to me. Also, we agreed to lock the loan on Saturday XX/XX/XXXX and they didn't actually lock it until XX/XX/XXXX. Its my understanding that this delay is a violation as well. Also, as previously mentioned, they reneged on the APR we agreed to.
Consumer complaint received 2022-07-13
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. (TX)

FCRA violations : inquires not mine 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 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 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 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 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 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 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