davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (NY)

I disputed this account with the collection agency and requested a validation of debt. The Validation that they sent over for this alleged debt not only did not meet the requirements of the FDCPA, but also had the incorrect information on it. How can this debt be validated with all of these inaccuracies? I demand that this account be removed immediately or Experian will also be held accountable for this negligence and inaccurate reporting. I've attached the letter that I sent and the documents that were returned for proof of this inaccurate reporting and violation of my rights.
Consumer complaint received 2022-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Firstsource Business Process Services, LLC (CA)

XX/XX/2022, I received a letter from a Debt collector company that goes by the name of Firstsource Advantage LLC. In the letter I they are telling me they are trying to collect a alleged debt on behalf of XXXX XXXX. I am a consumer and i am well informed of my rights and the federal laws that protect me from unfair debt collection practices and according to the Fair Debt Collection Practices Act, Firstsource Advantage LLC has violated these rules and regulations. I never gave this debt collector permission or consent to contact me, and i have sent them a letter of cease and desist pursuant to 15 USC 1692 C. Also In the letter Firstsource Advantage LLC said " As of the date of this letter, you owe {$2600.00} '' This is a violation because a debt collector can't say i owe anything pursuant to 15 USC 1692 b and also in the letter was said " Firstsource Advantage , LLC is a debt collector. We are trying to collect a debt that you owe XXXX XXXX. We will use any information you give us to help collect the debt '' This is also a violation because a debt collector can not use or obtain information on a consumer to collect a debt and i have proof of this pursuant to 15 USC 1692e ( 10 ). I have been receiving multiple phone calls that have interrupted me at work and caused me a great deal of stress, I have proof of these unwanted phone calls i never gave consent to receive, this is a violation pursuant to 15 USC 1692c. Firstsource Advantage , LLC is responsible for all damages that cost {$1000.00} per violation pursuant to 15 USC 1692k
Consumer complaint received 2022-05-14
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. (MD)

In accordance to the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance to the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (AR)

I have been trying to refinance my home from BSI. Previously, we had to settle out of court because of their lost their summary judgment in court back in XX/XX/XXXX. In the agreement, I was to be able to refinance the home anytime without any prepayment penalty. The first time I tried to refinance, BSI told the XXXX XXXX XXXX XXXX that I was XXXX. This was a lie. BSI never corrected this with the XXXX. Fat forward almost XXXXhree years later, I am trying to refinance through my local bank, XXXX XXXX XXXX XXXX. I was able to go online to acquire my payoff through the online services. As of XXXX BSI has stop allowing me to get my payoff through the online system. Their attorney contacted my attorney and told my attorney that I would have to go through him to get a payoff. On XX/XX/XXXX,, my attorney contacted their attorney in writing requesting a payoff. This was the first time requesting it. BSI has failed to provide my payoff still. The mortgage company and title company requested the payoff as well. BSI lied and told the title company they faxed it. The title company stated they have not received it and have never seen a mortgage company conduct business like this. I have tried calling BSI and now they say its a desist and cease on the account and I can not get a payoff until legal gets involved. My attorney had requested another payoff on XX/XX/XXXX. BSI still elects not to send me a payoff. BSI like the first time are trying to keep me in this bad loan. Additionally, BSI has reported at the end of this month that I owe over {$500000.00} on my home. This is incorrect. This is another tactic they used in my opinion to lower my score whereas I can not refinance my loan. By increasing the amount owed to what the purchase price is hurts your credit. I am quite aware BSI knows this as well. Because of their actions, my credit score dropped XXXX points on all major bureaus. I went online to look at the balance and it is showing {$250000.00} as the principal balance. This was the same amount that was being reported to the credit bureaus the month prior. From XX/XX/XXXX to XX/XX/XXXX my balance owed increased almost over {$250000.00} on all major issued. BSI Financial are using " predatory '' tactics to keep me in a bad loan. They are refusing me to refinance by not giving me the payoff. This is a payoff that has been requested twice. Once in XX/XX/XXXX and secondly, XX/XX/XXXX. My attorney contacted their attorney and still nothing has been produced. BSI is aware that I am trying to close but, refuses to assist as they are obligated to as a mortgage provider
Consumer complaint received 2019-07-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Independent Dealers' Advantage, LLC (TN)

I got a car from a company in XXXX of XXXX In XXXX of XXXX that company transferred my contract to another company. Ever since the transfer I have had phone calls telling me that I am late on my payments. And every time I call in to make my payments I am harassed about being late. The truth of the matter is that I have been paying a week ahead since I got the vehicle. I called the company and spoke with one of the managers and went through my original contract along with my bank statements showing the dates on which I have made payments. My first payment was due on XX/XX/XXXX I made my first payment on XX/XX/XXXX other then a week period when I have no idea that my contract had been transferred to a new company because the old one did not answer the phone I have paid every week. Once I found out who the new company was I made a two week payment to catch myself back up. The two week payment was made on XX/XX/XXXX My final payment to the old car company was made on XX/XX/XXXX. The payment on XX/XX/XXXX would have been for the Friday the following week XX/XX/XXXX. I did not make a payment the week of the XX/XX/XXXX because I did not know my contract had been transferred. When I did find out I made the payment for two weeks on XX/XX/XXXX. The new car company IDA refuses to change this in their system. They are also charging me XXXX fee to pay my bill that I can not avoid. The old car company ( XXXX ) charged no fee and was located fifteen miles from my residence. IDA is located over four hours from my residence and refuses to drop that credit processing fee. The processing fee is listed no where in my original contract. My over all experience with IDA has been lees then positive and their business practices are very underhanded. I plan on suing this company for breach of contract. As well as not informing me within the legally aloud time frame of ten days of the transfer i had to investigate myself to figure out who had my contract.
Consumer complaint received 2022-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (OH)

I had a credit card with Avant ( last four numbers of the card were XXXX ). 

I always made monthly payments, electronically, through XXXX XXXX XXXX. 

For some mysterious reasons, even when I scheduled payments BEFORE the due date, Avant always marked them as late payments, and charged me a fee. 

I contacted Avant numerous times. They had no explanation. 

They would then take 2-3 weeks to credit the account. 

I contacted them several times about this. They had no explanation as to why this was. 

I got frustrated, and closed the account after 90 days. They still charged me an annual fee. 

On Saturday XX/XX/2022 at XXXX XXXX I spoke with an Avant rep named XXXX XXXX about refunding the annual fee - since I'd only had the card such a short time, and since their customer service was so poor ( and perhaps dishonest ). 

She said that it was impossible to refund the annual fee or the amount of the annual fee. She was trying to tell me, a bank can't refund a fee. She offered NO explanation as to why Avant could not do that. T The simple fact is, she was lying to me. Avant engages in dishonest practices, overcharges customers for fees, then lies about it.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, the accounts listed below indicate my federally protected consumer right to privacy and confidentiality under 15 USC 1681 have been violated. 

XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$340.00} XXXX Opened XX/XX/XXXX {$710.00} 15 U.S.C. 1681 Section 602 A - This states I have the right to privacy 15 U.S.C. 1681 Section 602 A Subsection 2 - Also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681 Section C Subsection A5 - States no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 Section S Subsection A1 - States 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 2022-05-14
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. (NC)

In accordance with the Fair Credit Reporting Act, the accounts listed below indicate my federally protected consumer right to privacy and confidentiality under 15 USC 1681 have been violated. 

XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX {$340.00} XXXX Opened XX/XX/XXXX {$710.00} 15 U.S.C. 1681 Section 602 A - This states I have the right to privacy 15 U.S.C. 1681 Section 602 A Subsection 2 - Also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C. 1681 Section C Subsection A5 - States no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 Section S Subsection A1 - States 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 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392. I request the following : Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

This company also violated UDAP and FCRA when reporting a recent delinquency due to obstacles when attempted to resolve this debt and overcharging on this debt.

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Consumer complaint received 2022-05-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bepensa Capital, Inc. (FL)

My Vehicle was repossessed in XXXX of 2021. I never receive the notice of sale as required by Florida law. I have requested a copy of the notice of sale, and all documents related to the auction ( dates, sales price, sales type, location, etc ... ), as well as why the vehicle was transferred in Illinois according to VIN records on XX/XX/XXXX ( did a private sale occur? ). I have not received those documents, which I am entitled to receive by law. I hereby request that they send the documents via the CFPB portal and/or via email at XXXX. 

I have serious concerns as to why there is a deficiency on the loan. I need records of the accounting related to this loan, specifically how they calculated the deficiency of {$5200.00} ( reported to credit bureau ). The vehicle was allegedly sold in XXXX of 2021. The auto market was already red hot by XXXX of 2021, and I believe the vehicle was worth substantially more than what they sold the vehicle for at auction. They had offered to sell the car back to me for substantially less than what they received at auction, as full satisfaction of the loan. They received a higher sales price at auction, so why are they pursuing a deficiency?
Consumer complaint received 2022-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (DC)

XX/XX/2022, I spoke to a Mr. Cooper representative ( XXXX ) to discuss my loan modification. I received my loan mod in the mail, scheduled a notary through Mr. Cooper. From XX/XX/XXXX to XX/XX/2022, I have had at least 8 notary public to notarize my documents. Two times I got my own. Mr. Cooper would send another mod package without personally informing me that my prior documents were rejected. After dealing with this several times I figured out if I receive another package, it's because something was not completed correctly. I called Mr. Cooper and ask questions. When I did the reps would seem clueless. Some have put me on hold to ask another rep a question about my account. There were some who read the wrong info and I would direct them to what to look at. Mr. Cooper communication skills with the customers and employees needs improvement. Attempting to get my documents notarize has been confusing and frustrating. when I feel confident my documents will get " approved '' they're " denied. '' XXXX XXXX XXXX sent me an email and said to call anytime I encounter a problem. I did. Out of all the representatives since I began my loan modification, he is the only one who gave me some new info to include. That moment was mind boggling. Still, they got denied. I could go on and on, but it would be a repeat of the lack of assistance I receive. The reps were not knowledgeable but had me to trust what they were saying.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX  has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MT)

A previous complaint was lodged against Specialized Loan Servicing, and now another problem has come up. 

About 2 weeks ago I received a letter from the servicing company stating they were increasing my escrow payments by more that {$200.00} a month, and their own figures on the document did not show a need to increase the escrow payments Since I am required by my home insurer to pay the annual insurance in XXXX myself and that they will not accept the servicing company 's payment.

I phoned and spoke to a customer service person with the servicing company and they said I could not speak to the escrow department and they would send them a message that I have to pay the home insurance myself in XXXX, and to figure that into new monthly escrow payments ; last week I received a letter from them stating I could not eliminate my escrow account, which I did not ask to do! 

I called and spoke to another customer service person and was told that is their final answer, and that even if the home insurer requires me to personally pay the annual policy, that they would require me to make the increased payments into my escrow account, adding more than and excess of {$2400.00} in my escrow balance that they would just leave in my account and not refund to me for the foreseeable future, which is against the law. 

Please help me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX 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 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX Bankruptcy Reference Number # XXXX In XXXX of XXXX, I filed for bankruptcy. Since then the bankruptcy has been XXXX and is reporting on my credit reports. 

I sent a letter to the USBK Court XXXX Illinois asking them to verify the information that was reporting to the credit bureaus, XXXX, Transunion and XXXX and the Clerk of the Court responded saying that they do not work with any credit bureaus.

I have previously disputed with Each bureau Transunion, XXXX, and Transunion an in response they reported the information as accurate, stating that the information was verified with each bureau. That has been found not to be true since the courts veriifed that they dont work with credit bureaus. 

I am requesting that this bankruptcy be removed from my credit reports since the courts stated that they do not work with any credit Bureaus.
Consumer complaint received 2022-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX Company Sold Open account XX/XX/XXXX XXXX XXXX {$240.00} XXXX XXXX, XXXX {$240.00}
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (OH)

Iam trying to connect my pnc bank with my XXXX XXXX & XXXX but its saying it wont connect due to changes with pnc prevents you from linking accounts .. my Name Is XXXX XXXX please help me