davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2021-06-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Complete Credit Solutions, Inc. (TX)

I was involved in class action suit against XXXX, or XXXX XXXX, the loan was made illegally and was discharged, forgiven and should have been removed fromy credit file. A third party debt collector ( COMPLETE CREDIT SOLUTION ) continues to pursue this forgiven loan and refuses to remove from credit report. Lawsuit is Turner v. ZestFinance, Inc. 
Case No. 3:19-cv-293 Complete credit solutions ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (FL)

I had student loans through student aidadvantage, and back in XXXX They were forgiven. it is still showing on my credit report as a delinquent account with a balance. The XXXX credit reporting agencies have the same thing.
Consumer complaint received 2019-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

My card was used fraudulent and Chase lied about the facts and distorted other facts. 

1. ) I sent supporting documents, the passports, with a newspaper background, showing that I was not in XXXX 2. ) There were charges in two places on the same day, in the states and in XXXX on XX/XX/XXXX, XX/XX/XXXX,. There is  not possible way I could be in those two locations at the same time 3. ) My card was in my possession, I made those charges in the States 4. ) I traveled to XXXX a year prior, as shown on my passport
Consumer complaint received 2019-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have a written agreement with Portfolio Services if I made a payment on an account t I had with XXXX XXXX they would delete it from my credit profile. On XX/XX/2019, I paid a settlement in the amount {$690.00} through my bank to Portfolio recovery services. My bank mailed the payment to the original creditor ( XXXX XXXX ) who has held my payment for over a month. I have conference called my bank, portfolio, and XXXX XXXX everyday for the past month. I have spoken to the vice president ( XXXX XXXX ) regarding the account. After XXXX XXXX confirmed that they had my payment and informed me that Portfolio Recovery Services knew what actions had to be taken to receive payment and post on my account nothing has been done. I am continually calling this agency and they have not kept up with their end of the agreement.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (AK)

This is a bill for XXXX service that I did not receive. I called to disconnect service many times due to relocation/move. I spoke with several reps who told me service would be stopped ( XX/XX/2016 ). I believe my service was not stopped. Thus, I am disputing this collection.
Consumer complaint received 2022-09-08
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. (NJ)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name XXXX XXXX XXXX  Account Number : 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX has sold my account to XXXX XXXX XXXX ( XXXX ) for collections. I have disputed this account with all credit bureaus. This account was paid in full through my XXXX XXXX  account on XX/XX/2018 before account was even sold to XXXX. I have mailed proof of bank statement certified mail to all credit reporting agencies XXXX XXXX, and XXXX  as well as XXXX. Please assist me in seeing that this issue is resolved and account is removed from my credit file.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX, I received a letter from XXXX XXXX XXXX XXXX saying that this loan has been discharged in full as of XX/XX/17 and that I do not owe any amounts on the loan. The letter also states that collection activities and credit reporting have been ceased. I received a 1099-C, cancellation of debt in the full amount of the loan of {$10000.00} in 2017. With all of this being said I am still receiving collection calls and the loan is still being reported as delinquent on my credit reports of XXXX, Experian and XXXX. I would like for the CFPB to investigate and call for the credit bureaus to remove this erroneous information from my credit. It is damaging to me and my character as I begin to use my credit now. I would like for the credit bureaus to remove this information immediately. 

Under the Fair Credit Reporting Act all information reported has to be true, accurate and verifiable. Clearly this information is false and not accurate or verifiable and I am requesting a removal.
Consumer complaint received 2019-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I was in contact with a person who was selling me XXXX tickets. I sent him a payment of {$140.00} on XX/XX/2019, and once it was sent to him, he blocked me from all sources. I immediately called PayPal to stop the payment as it had not gone through, but they refused to help me. So I called the bank to stop the payment. PayPal said they paid for me, so now I have owed them money. They never contacted me asking or even signed up for them to pay on my behalf. could you please help me. The person did not receive the Money till XX/XX/XXXX but my XXXX XXXX  stopped the payment on XX/XX/XXXX.
Consumer complaint received 2017-07-13
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: Experian Information Solutions Inc. (CA)

This account is not mine was disputed back 2016 ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to Experian and XXXX, please see attachment credit report.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (ID)

my school loans were paid and closed in XXXX because of my TPD. The loans from XXXX XXXX XXXX, XXXX and XXXX show the status of unknown - XXXX said i have to file a complaint with each servicer of these loans to have their status corrected.
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PORTFOLIO RECOVERY ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim ( Collection account of {$940.00} ). This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 



P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2017-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

A credit inquiry made on my Transunion credit report on XX/XX/XXXX by XXXX. I did not contact on this date to establish any type of service. As of XX/XX/XXXX, I placed a fraud alert on my credit file because of all the different things going on with hacking and scamming. I contacted both Transunion and XXXX without resolution.
Consumer complaint received 2022-09-08
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. (WV)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXXXXXX XXXX # XXXX 2.XXXX XXXX XXXX/ # XXXX XXXX. XXXX XXXX XXXXXXXXXXXX XXXX  # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 1681 Section 602 A states that I have the right to privacy I would also like all addresses and employment removed with the exception of XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX
Consumer complaint received 2017-04-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (MS)

I was called by ARA,  XXXX , IL reference an account I paid off in   XXXX  . They threaten to sue me for an amount I did not owe in the first place. They indicated I owed {$2500.00} when the amount owed at the time was {$750.00}. I checked my credit report and the account referenced or amount was not listed my report. Can you assist?    XXXX  phone number is  (   XXXX   )   XXXX . I am resident of the  State  of Mississippi.
Consumer complaint received 2017-04-18
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Everytime i come to  bank of america  on  XXXX  i have to wai t 30 min i nside when a particular teller is working. Someone needs to close this branch down. I have heard several people complain about this bank. None of those describe my issue ... thid teller is either accepting a money truck or its another customer  w an iss ue ...
Consumer complaint received 2023-01-28
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. (AZ)

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 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 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 2017-04-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (OH)

To Whom This  May Concern ; Re : Santander I use to speak very highly of Santander but today is a different story. At one point Santander was  a company I respected and was very thankful for. Back in  XXXX  I was in financial trouble and my car was repossessed.  Santander assisted me every way to get my car back and I was able to within 2 months. Fast forward 4 years later, Santander is causing me big problems with repairing my credit and being able to purchase a home for my expanding family. A mistake I made 4 years ago that I have paid tremendously for is still being reported to the credit bureaus inaccurate and negatively. I have made multiple attempts to dispute the inaccurate information being reported by Santander. Santander  did report the repossession back in  XXXX  but every since then they have also reported this as "  Charge Off/ Write Off Bad Debt. '' I  have possession of this vehicle, an  XXXX   XXXX   XXXX . I receive monthly statements fr om Santander and I still make monthly payments to Santander. How could this be a charge off or write off? Usually those are sold to collection agencies, right? As stated before I have disputed this inaccuracy multiples times with all  XXXX  credit bureaus asking for it to be removed but each investigation has came back verified as accurate. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date of the first missed payment that led to charge off, collection, foreclosure or repossession. Reporting a more recent date of last delinquency would be in violation of this Act. This inaccurate reporting has caused an huge negative impact on my credit report and score. Every time I have contacted Santander  about the negative reporting I get no where. It 's been all about money for them and not the fairness to their customer.     Thank you
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

XX/XX/2022 Credit card opened in my name. False application. Bank of America {$7000.00} credit limit. 

XX/XX/2022 called Bank of America ( they closed account as fraud and sending me copy of application ) XX/XX/2022 set up 1 year security alert with XXXX XX/XX/2022 called XXXX and this is reported as fraud
Consumer complaint received 2017-04-20
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Santander Consumer USA Holdings Inc. (GA)

The debt collector called me saying that I was going to be served either at work or at home for a debt that was closed on in   XXXX  . He had my social security number and my address. He had correct information on the old debt and said that I could pay it or have a judgement filed against me. He offered me a deal where I would only have to pay 30 % of the debt if I agreed to pay it over a 6 month period. He also said If I paid right then he would reduce the debt from {$4100.00} down to {$750.00}. I gave him my devit card information and he processed half of the  XXXX  right then and said he was going to process the other half on  XXXX   XXXX . I believe this was a scam and need to verify.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion eecently had two seperate glitches and I had old information reappearing in my credit score. I called the company two times this week to try to soleve the issue. The representatives will not budge into even looking into my issues I have with old inquiries on my credit report. These items were deleted then i get a notification they were back on through XXXX XXXX. Transunion never gave me a 5 day notification. The system is glitch is their problem, not mines so why I becoming a victim of their problems??
Consumer complaint received 2022-09-08
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. (NJ)

In accordance with the fair credit reporting act Account name ( XXXX XXXX ) account # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A. Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage purchased our mortgage from XXXX in XX/XX/2017. Per their paperwork all recurring payments to the previous holder of the mortgage would discontinue. Instead, XXXX has continued to withdraw funds via ACH from our bank, two of those payments were forwarded onto Freedom Mortgage and the rest of the funds are being held by XXXX. I have contacted Freedom by phone, e-mail, and now letter. They have never responded, and my mortgage continues to fall behind due to failure between XXXX and Freedom mortgage. My money is gone from my account, XXXX is the receiver of the funds, they say the do not have, and Freedom says they do not have the funds. I am working with the bank to stop the ACH withdrawal and to retrieve the funds if possible. In the mean time my mortgage is behind and our credit adversely affected.