davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A debit is withdrawn from my Bank of America XXXX XXXX  Checking every three months ( quarterly ) of {$81.00} payment made to life insurance policy that also recognizes me presently as an attending college student. I believe the XXXX and / or XXXX XXXX XXXX XXXX XXXX and Bank of America has been uninformed or unaware of my presence in attending this new college campus, as a welcomed XXXX XXXX to XXXX XXXX and tuition cost I presently am undertaking as owed and am unable to afford and pay with regards to their XXXX XXXX Financial Aid Office of {$5600.00}, as of XX/XX/2022. My complaint is in reference to allowing and letting Bank of America, as my financial bank institution know that as a consumer of a PLUS Account I have been admitted as a XXXX XXXX to XXXX XXXX at XXXX and any assistance they might be in assisting me pay back a student loan to the XXXX XXXX Financial Aid Office, XXXX XXXX.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I previously reported to the CFPB numerous calls from Portfolio Recovery, using numerous phone numbers for a debt that does not belong to me. The calls have continued since my prior complaint. Typically there is nobody on the other line when I answer- and today I actually got a real person. The call came from XXXX, was made at XXXX EST, asking for a XXXX XXXX XXXX I informed the person that I am not the individual they are seeking. She said she would remove my name from their call list but I am doubtful that these harassing calls will stop.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

My name is XXXX XXXX and I am submitting this complaint myself. 

After reviewing my consumer report, I noticed many inaccuracies in personal identifiable information. No permissible purpose was given directly to ANY consumer reporting agency on ANY occasion to report ANY information about me as it relates to ANY names, numbers, addresses, etc listed on my consumer reports and file. 

Please be advised that without permissible purpose, the consumer agencies have committed a violation against my consumer rights and this type of behavior is very inappropriate.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (WI)

I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with Diversified Consultants which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with Diversified Consultants since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX also informing them that reinserting negative information on credit files is illegal and asked to have the negative files removed since they failed to provide proof of my signature with Diversified Consultants. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-03-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Below is information that I have been able to gather from PennyMac my mortgage servicer. I have been in a continual battle with them trying to get reliable customer service from them. This has been a difficult task, my tax exemption was approved back in XXXX XX/XX/XXXX, but it has taking three going on four months to get my full refund back from PennyMac my mortgage company. So far I have only received a partial refund of taxes collected about {$650.00} in XX/XX/XXXX. The remaining balance appears to be on loan to PennyMac. Additional there is the matter of my Homeowners Insurance, paid in full by me on XX/XX/XXXX but PennyMac is collecting escrow from me for this same policy. Again, this policy is paid in full so why is PennyMac insist on setting asides funds from my Mortgage payment for insurance which I already have. Its been three months and I still have not received the remaining balance {$540.00}. 

PennyMac claims to be accountable, reliable, and Ethical, they claim Customers First, care and win together, and do whats right. Its never wrong. So why is it that none of my customers request are being handled timely, why is PennyMac holding onto my money? Whats so ethical about this way of doing business. 
I am not sure if any of these actions fall under the predatory lending practice or some other regulatory ruling, but I just want to be treated fairly and I want my money returned to me. 
{$110.00} + {$540.00} = {$660.00} is what I am owed since you have my bank account wiring the funds back to me should be easy.
Consumer complaint received 2022-03-09
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. (FL)

It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Source : XXXX File Date : Amount : Status Date : XXXX XXXX XXXX XXXX : Action Type : Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
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. (AL)

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. 


XXXX XXXX  XXXX XXXX XXXX DEPT OF EDXXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDUXXXX XXXX DEPT OF EDU/XXXX XXXX DEPT OF EDUXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX 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 2022-07-25
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. (CA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

AXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX. 

According to FCRA Section 605B ( a ) the 3 credit bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I submitted supporting documentation for a dispute on my credit report. The document had my name spelled wrong but was for the right account. Experian went in and changed my name to match the incorrect letter and is now demanding I provide a ton of documentation to have it corrected despite having done it with only 1 incorrect document. I have called several times, emailed, and filed a dispute and they keep telling me it is not their error, and they are justified in having done so without several forms of documentation or permission in the first place.
Consumer complaint received 2022-03-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERIS BANCORP (TX)

In XXXX of XXXX my divorce was finalized and my ex-wife was awarded a vehicle in the agreement that she later in XXXX didn't want, stopped making payments on it and voluntary surrendered it even though both of our names were on the loan. There was over {$16000.00} still owed on the loan and now I'm being sued for the balance plus court fees and filing fees which is now around $ XXXX even though the vehicle was awarded to her in the divorce decree signed by the XXXX XXXX XXXX XXXX XXXX I had to seek legal council to represent me since the Ameris Bank, who is suing me, stated she could not be located or served, even though I gave them her home address, work address, phone number and new maiden name. Before I acquired representation in XXXX of XXXX I was getting calls every other day to rectify the debt saying they were going to sue, maybe even liquidate assets or contact my company and put a garnish on my wages even though the automobile that had the debt on it was awarded to her which includes all debt involved with the vehicle, its in the divorce decree. I am now in a holding pattern with my lawyers and the lawyers representing Ameris bank. This has negatively impacted my credit enormously and caused me significant stress.
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (IN)

XX/XX/2018 XXXX XXXX XXXX and ERC either company, s have not tried to contact me over this bill if i owe. i checked my cell.I had this problem months ago with focus should be on file. They continue to do this.i will call erc today and let them know i have already file a complaint with XXXX and cfpb about this. That they wrongfully put this on my report and they should have XXXX XXXX call me on this matter
Consumer complaint received 2022-03-09
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. (NV)

TRANSUNION STARTED REPORTING AN ACCOUNT THAT I DONT RECOGNIZE, XXXX XXXX FOR THE AMOUNT OF XXXX DOLLARS FROM XXXX  XXXX. I REQUESTING A VALIDATION OF THIS ACCOUNT WHICH IM ENTITLE TO ACCORDING TO THE FCRA. THIS ACCOUNT IS NOT MINE, AND WANT IT CORRECTED. PLEASE SHOW ME WHEN THIS ACCOUNT WAS FIRST DEFAULTED ON. I AM ON SSDI SO MY INCOME IS FEDERALLY PROTECTED FROM SCAMS.
Consumer complaint received 2020-07-31
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. (GA)

i check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the XXXX XXXX AND EXPERIAN.
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

1 ) On XX/XX/2019 I bought a car from : Carite of XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX ( XXXX ) XXXX XXXX ) XXXX secured my loan for a total of {$21000.00} ( including GAP coverage and warranty ) from : Capitol One Auto Finance XXXX XXXX XXXX Pk. 
XXXX, TX XXXX XXXX ) At the time of purchase of the vehicle, I was offered an extended warranty ( service contract for {$1600.00} ) and GAP insurance ( {$890.00} ). I signed up for both. The GAP coverage was provided by : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Claim # : XXXX fax : ( XXXX ) XXXX XXXX XXXX ) On XX/XX/2019 I was involved in an MVA. My car was totaled. My insurance company, XXXX - as I was conducting my part time business as an XXXX driver en-route, paid for {$19000.00} minus {$1000.00} deductible or {$18000.00}. The remaining balance was provided for with the refund of my warranty and the GAP insurance I paid for. AHiS insurance was made aware of my use of the car with XXXX upon filing my claim. 

5 ) I was in contact with Capitol One, XXXX, and AHiS throughout the claims process. Eventually I became aware through contact with XXXX that everything of my entire loan balance was paid for. However, when I contacted Capitol One they told me they had not received payment in full from the GAP insurance and possibly the refund of the warranty. I called XXXX again, and I was told that checks in the amount to cover all expenses were paid to Carite, for what reason I do not understand. XXXX gave me the runaround for months until I stopped calling. I stopped making car payments when I was told the covered everything. 

My credit report indicated that I owed Capitol One. I filed a fraud complaint with the credit reporting agency, and the charge with Capitol One was removed from my credit report. This was more than a year ago. I thought everything was finished. 

I recently got emails from Capitol One, and a private investigator from a recovery company left a calling card on my vehicle 2 days ago. This has gone on for too long, and now Capitol One is going too far. They know what happened with their loan manager, or broker, and the dealer. One of them, or both of them, or all three of them if you count AHiS, is committing fraud by knowingly being involved in the issuing of and, or, cashing of an insurance check that does not belong to them. There may be fraud involved just by being aware of the situation and being in a position of authority to resolve the problem but choosing not to. I tried the best I could to resolve the issues. My best bet is the manager of XXXX kept the money, and Capitol One is aware and possibly an enabler. AHiS never gave me a reason why the check was mailed to XXXX, but according to the person I spoke to - it was, and there was enough insurance to pay for more GAP coverage if necessary.
Consumer complaint received 2020-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NJ)

My fourth quarter taxes that were supposed to be paid by BSI Financial Services, XXXX PA., to my township were not paid on time. In turn, the town will be auctioning my tax lien on XX/XX/XXXX. I have not been able to get an answer as to why it was not paid from my escrow acct. There is enough money in the account. I was given numerous different stories about it being sent by electronic transfer, first class mail and express mail, all wrong information because it was never sent. Customer care supervisor has not returned numerous messages left. I have not been given an exact reason why the payment wasn't made.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I previously sent my complaint Equifax about blocking or removing all the information that is erroneous and fraudulent. They failed to organize a proper investigation to confirm and validate the items and unauthorized inquiries since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$9900.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$620.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FXXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2020-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc. (TX)

On XX/XX/2020 I sent a certified letter to RS Clark and Associates for  debt validation. I did receive a response today which is XXXX XXXX. However, I mention to please reply within 30 days with proper documentation. I sent a debt Validation letter packet for the company to complete and to return with the proper documentation. The company responded within the time frame but they sent a copy of a collections write off report saying this is their validation and they are sure the information is accurate, therefore they deny any inaccuracy. I am very disappointed with what the company provided to me not only was the company not compliant to what i requested but they sent a copy of a report which proved nothing to me so I dont see how this was verified the report had little detailed information. i state in the validation letter packet that the company must return the completed form along with copies of all requested information, which establish their right to collect the alleged debt within 30 days from the date of the receipt of the letter. If not their claim can not and will not be considered if any portion of the form is not completed and returned. unfortunately RS Clark and Associates didn't provide anything but a copy of a collection write off report.
Consumer complaint received 2020-07-31
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. (FL)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF VETERANS XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX