davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Paragon Subrogation Services, Inc (IL)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt. 

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports. 

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties. 

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a credit card with the capital one bank. that ends in XXXX and two days ago my card was canceled due to fraud. the three credit bureaus notified capital one this account was active and I was using it normally and I want to recover it
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

TRUIST bank ( formally Suntrust account ) allowed someone to cash a check made out to me and cashed it against my checking account and the check was returned to them by the maker of the check and therefore they took {$2800.00} from my account. When I received the notice dated XX/XX/2022 on XX/XX/2022 I immediately called the FRAUD department that evening and told them that I have no idea who the company is and that I did not cash any such check against my account, have never seen the check before nor had it ever been in my possession. They advised me to go to my local branch and fill out the proper paperwork. On XX/XX/2022 I went over to where I do my banking and dealt with XXXX XXXX, the Branch Leader and we proceeded to complete the documents, including an Affidavit of Fraud, signed and notarized, that she said was needed to get an investigation started. The Case # given was XXXX and said that they would contact me in 2 days. On XX/XX/2022 I went into the bank again and advised XXXX XXXX that I had not heard anything, and she called the fraud department again, and again they said that Supervisor would be in touch by XX/XX/2022. No one ever called but I received a letter that stated my claim was denied and that if applicable, evidence would be provided. Since that letter, we have continued to try to reach someone at the fraud department and request this so-called evidence that they have that is causing my case to be closed. I did not, have not and never did receive any funds from this check nor did anyone I know receive any funds from this fraudulent activity against me. It is now XX/XX/2022, and XXXX XXXX has not been able to assist me to get my money back and no one has contacted me. I called today XX/XX/2022 and spoke to XXXX in the fraud department again to get the evidence that determined their findings as well as XXXX XXXX filing a complaint and she stated that she would, once again, get a supervisor to call me by XX/XX/2022.
Consumer complaint received 2022-09-01
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. (CA)

XXXX XXXX has removed anything negativity affecting our credit report and account but Equifax refuses to remove the negative historical payment history from report. We cant dispute it because their site says we have an error disputed this account already. Account was showing 180 days late in error and Equifax refuses to remove it. We have tried and failed several times to get Equifax to correct error all other reporting agencies have removed the error
Consumer complaint received 2022-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX  account # XXXX has violated my rights 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 account without my written instructions.

15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

Per the attached balance transfer letter from XXXX XXXX  dated XX/XX/2022, Apple Card-Goldman Sachs Bank received payment of {$250.00} against card ending in XXXX. Of course, 9 days later, the Bank has been intentionally negligent in posting this payment. Obviously, this is intentional so that the Bank can earn additional interest. The CFPB should investigate the payment processing practices of this Bank, led by a " so called '' individual who thinks he is an aspiring XXXX.
Consumer complaint received 2022-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/22 I received written notification that my account with XXXX XXXX  is now own by Midland Credit Management , IncXXXX for the amount of {$710.00}. I received an email from Midland Credit Management on XXXX/XXXX/22. I am sending them a letter. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. XXXX XXXX and Midland Credit Management has violated my privacy. All three credit bureaus are already violated my privacy by reporting XXXX XXXX on my consumer reporting file. I need some help with matter.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/2019. I have previous credit reports from both agencies pulled on today XX/XX/2019, and neither one of these reports show me late in XX/XX/2019. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX  direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. She promised to send me a payment history of my account. I never received such documentation. The results of my XXXX dispute and my XXXX  dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for  reporting inaccurately.
Consumer complaint received 2022-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

4 calls today, they hung up on me all 4 times, but promised me to call back if the call dropped, they are crooks, never called, and couldnt answer simply question, Crooks that I gave my social security number too! Do something please!
Consumer complaint received 2019-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Hello I attended XXXX college inXX/XX/2018- XX/XX/2018 as you all know XXXX  closed down. I have been trying to get a discharge on my loan for as I did not use any of my loan money also I have a federal student aid loan of XXXX and only XXXX  was used and I'm unsure where the rest is. I have been trying to get information through navient on how to discharge my loans and the forms I need to send to dept ofeducation. I have called and called and no one picks up. I have talked.about how I could get the money from the loan if I have to repay it back at least I'll have the money and bbe able to take my education else where. I'm confused a single mom of XXXX  and work.hard to pay my Bill 's I'm already struggling and this is making it harder on me and my family not only did my education get ripped from me, everything else will too when I have to pay money back that I didnt even use.
Consumer complaint received 2019-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (CA)

I was XXXX from the military in XX/XX/2015, I have had medical insurance through the Department of Veteran Affairs since the day I was XXXX in XX/XX/2015. I gave XXXX XXXX XXXX XXXX copies and proof of insurance, proving that I should not have been billed directly for the visits. 


1. Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$1300.00} 2. Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$440.00} 3.  Original Creditor Name - XXXX XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$130.00} 4.Original Creditor Name - XXXX  XXXX XXXX XXXX, Creditor Information - KINGS CREDIT SERVICES amount = {$79.00}
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

My name is XXXX XXXX  The purpose of this compliant is to resolve a dispute with XXXX XXXX XXXX XXXX and Credence Collection Agency. After three long years with XXXX XXXX XXXX, I decided to part ways with the company due to several issues including my monthly bill. XXXX XXXX XXXX continued to bill me for two lines after the second line was transferred to another phone server by my brother. After the second line was transferred XXXX XXXX XXXX continued to bill me for two lines months after the second line was transferred. I took on the initiative to contact XXXX XXXX XXXX XXXX to discuss this billing error on my bill. I was informed by the billing department that the correction will be made, and it will reflect on my next bill however, I was informed that I will not be credited for the few months that I had paid for two lines instead of a single line. Unfortunately, XXXX XXXX XXXX continued to bill me for two lines after I communicated to them of the error. The agent did apologize for the error and informed me that they will credit my account. The funds were debited from my bank account and was never credited as promised. Considering these unfortunate situations, I decided to part ways with XXXX XXXX XXXX XXXX and transferred to another cell phone carrier. I executed a call to XXXX XXXX XXXX XXXX, to resolve any billing and or charges that may impact me in the future. The agent request that my bill was zero dollars and request that I stay with them as they are trying to make all effort in correcting my bill. The agent also offered me discounts which I refuse to accept and request my account closed. The very day, I transferred my cell phone service to another carrier to start afresh. On XX/XX/XXXX; 2020, I received a bill via XXXX Mail from a bill collector representing XXXX XXXX XXXX XXXX for the sum of {$160.00}. I then initiate a call to the bill collector to amicably resolve the billing error. I informed the bill collector that I do not owe XXXX XXXX XXXX any money and this must have been an error. They insist that I pay one half of the bill and they will in turn clear the account. I request they contact XXXX XXXX XXXX  Cellular to rectify the bill and that if anything XXXX XXXX XXXX  owes me funds that I paid to them for several months when I was charged for two lines instead of a single line. In any case, the bill collector threatened me that they will report these charges to the credit bureau and wreck my credit worthiness. I kindly request you please investigate and resolve this matter promptly to avoid these charges to negatively impact my credit worthiness. I have attached the collection document to this complaint to assist with the resolution of my complaint Sincerely XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IN XXXX. 
Telephone : XXXX Account number : XXXX Credence Credit Collection Reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX www.credenqerm.com
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. 


Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2022-09-01
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: Merchants' Credit Guide Company (IL)

A company by the name of Merchant 's Credit Guide reported a delinquency in the amount of {$220.00} to my credit report. I've never had a working relationship with this company 's creditor and I've never used their services. I have attempted to dispute this erroneous information directly with the credit reporting agency as well as XXXX XXXX in XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, 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 shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Please aid in the removal of this erroneous information or I will be forced to proceed in the court of law.
Consumer complaint received 2019-11-15
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. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Possible Financial Inc (UT)

Dear Federal Trade Commission OR Consumer Federal Protection Bureau I am writing to file a formal complaint against Possible Finance, regarding their predatory billing practices and utter disregard for customer requests. Despite numerous attempts to rectify the situation, the company has persistently failed to remove my checking account from their system, resulting in unauthorized charges. 

I am currently undergoing a divorce and will no longer be a joint account holder on the checking account linked to Possible finance. I have explicitly communicated this to them over XXXX weeks ago, pleading over XXXX times for them to remove my account to prevent unauthorized charges. Despite their assurances via email and within their app that my account has been removed and there is no bank connection, they have continued to charge the account linked to my soon-to-be ex-spouse. I am currently going through a divorce and did the right thing in letting them know I will need to get them paid another way as I will no longer be a joint owner on the linked bank account number. 

On XX/XX/XXXX, I received yet another email indicating that my account would be charged, despite assurances that it had been removed. When I reached out to inquire about the bank they were charging, they ceased communication altogether. This is not the first instance of such behavior ; they have previously charged the account after confirming its removal. 

This refusal to remove my account, coupled with their repeated unauthorized charges, is not only infuriating but also financially burdensome. Their suggestion of paying via money order is impractical, and their failure to accommodate alternative payment methods is unacceptable. 

As of XX/XX/XXXX, I will no longer be associated with the account in question. Therefore, their insistence on retaining my account information beyond this date is not only nonsensical but also predatory. I demand immediate action to rectify this situation, including the cessation of unauthorized charges and the return of funds wrongly taken from the account. 

I implore the Consumer Federal Protection Bureau to investigate this matter promptly and hold Possible Finance accountable for their egregious actions. Consumers deserve to be treated with respect and integrity, not subjected to such appalling behavior. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

Hello! I would like to complain about Pennymac company. I have tried to resolve my issue over the phone and via messages a few times without any success. I have a mortgage with them for about 10 years, they are not my original mortgage originator. I have attached the screenshot from my " Loan Activity '' page and the answer they provided about interest part calculation. My interest 3.5 %, my monthly payment is {$2200.00}, escrow is {$560.00} and usually, I do an additional principal reduction payment on the 13th day of every month. So basically, for the previous 10 years, they computed the interest part of the monthly payment using the last available principal balance. In the " Loan Activity '' attached document you can verify that : XXXX. Line XX/XX/2022 - interest {$470.00} = ( previous balance ) $ XXXX XXXX. Line XX/XX/2022 - interest {$460.00} = ( previous balance ) $ XXXX But starting XXXX 2022 ( Line XXXX/XXXX/2022 in " Loan Activity '' ) they changed the interest part calculation, they provided the answer in the attached document " Answer 2 ''. Instead of charging {$440.00} = ( previous balance ) $ XXXX, they charged interest part {$440.00}, dividing the month into two parts : before receiving a principal reduction and after. The same issue happened for the XXXX payment. My argument is that even if I have a fixed payment every month, my interest part now is more and the principal part is less. Also, they did not provide any notice before implementing the changes. Their arguments are- they should not provide any written notification because they enhanced interest calculations in order to save the customers ' money. I think it is not true and deceptive, without any difficult calculations it is obvious that they do not save my money. My calculations are in the " fair resolution '' box and for the two monthly payments my principal balance off {$4.00}. And it is only one account, doing it for every account brings them thousands every month. Please contact me if you have additional questions or need more evidence, phone # XXXX. Regards, XXXX XXXX
Consumer complaint received 2022-04-30
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. (TX)

15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions The Account NO. XXXX ( Bankruptcy ) I have attempted twice to remove this item with all XXXX credit bureaus. 
The account is inaccurate as well as violating my rights as a consumer.
Consumer complaint received 2022-09-01
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. (IL)

I am a victim of Identity theft and I provided everything the ask of more than once. The only thing they did was close the accounts that they still have opened. I have provided my statement, My police report, my report from the FTC and my Identity theft affidavit. I also submitted proof of my identity twice. I feel like im being victimize all over again this has been a nightmare for me. this started in XXXX  when someone use my bank information to purchase some phones in a store in Arizona while I was in XXXX and my debit card was still in my purse a week before my sons birthday. All I want is these fraudulent accounts and address off my credit report. I was turned down for jobs all kind of stuff because of this nightmare. Its not ok for them to treat people like this. I will attach the copies of the letters I sent to them along with all my reports and proof of Identity. 
also here are my tracking numbers from the letters I have sent XXXX  : XXXX and XXXX XXXX  : XXXX and XXXX equifax : XXXX and XXXX Please help me get this resolved. this is ruining my life and I requested a fraud alert and freeze because of this and equifax asked for my Identity information again after I already sent it twice.