davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (NY)

The monthly payment was made, and the bank argued that was not paid and they charged late fees It was automatic payment from my bank and is schedule for the last or first day of the month XXXX payment was made on XX/XX/XXXX, XXXX payment was made on XX/XX/2020, and XXXX payment was made on XX/XX/XXXX, They argue that the payment for XXXX was not done. 
They have charged late fees for 4 months The payments has been done with out delay
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report.
Consumer complaint received 2018-06-13
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: CORELOGIC INC (FL)

After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX on XX/XX/XXXX and XX/XX/2017. I attempted to reach creditor and was unable to.
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called to combine 2 cards. I was told because one card was in my company name and the other in my personal name they couldn't be combined. I was also told because one card had a credit balance they couldn't be combined. I requested to receive the credit on one card via check which was sent and it now shows a {$0.00} balance. The other card was switched to be in my company name so now both cards match. I then attempted to combine the cards again and it still wouldn't online. I asked if someone could manually combine and I was told they couldn't. No company should be allowed to offer a product that they can't enforce. I'm being told after making at least 4 calls requesting for someone to assist that they are not able to help with the problem. The combining can only be done online and they have no idea why it isn't allowing me to combine my cards. I believe that is unacceptable and the company should not be allowed to false advertise a product they either can't or simply won't follow through with.
Consumer complaint received 2020-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this matter.
Consumer complaint received 2020-07-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc. (MD)

This complaint is regarding the title on a car purchased from Carmax in  XX/XX/XXXX. The vehicle Vin # XXXX. I now no longer have this vehicle due to another dispute ( Lemon Law ). I filed a complaint through Carmax several times for different things such as in their possession all of my things were stolen out of the car. This time I just paid two tickets in the amount of {$290.00} due to Carmax system taking the title out of my name 3 times during XXXX and XXXX that resulted in a moving violation because my title was not registered to me the first incident happened in XX/XX/XXXX and the second XX/XX/XXXX. It was awful I almost was arrested because of the known scam of unregistered tags but this was actual my car and I was driving it when I was pulled over by police. Carmax stated they would reimburse me and never did. The vehicle was also impounded by the police during the XXXX incident I had to pay the impound fee and tow yard fee. I would like to be reimbursed for everything. Please see receipts attached.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX, XXXX CFPB : Bank of America/LaSalle Bank claims that my XXXX ARM Loan XXXX on XXXX XXXX XXXX, XXXX, IL XXXX, was Securitized into RMBS, including, but not limited to, AFC Mortgage Loan Asset Backed Certificates Series XXXX ( XXXX, XXXX XXXX and XXXX XXXX Series XXXX ( XXXX, XXXX XXXX, that it, BofA/LaSalle, is the Trustee for all such RMBS, but refuses to supply me details. 
Please have e-mailed to me, for my ARM Loan, the Names and Start and Termination Dates of all the RMBS into which my ARM Note was securitized, along with the names, contact information, number of shares, percentage of shares, and periods of time of ownership of such shares, of all the Certificateholders of said RMBS. 
Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: STERLING JEWELERS, INC. (VA)

On XX/XX/XXXX I sent in a dispute of late payments on my credit reports to Kay jewelers. Since then, I have gotten 3 letters from Sterling Jewelers with different ticket numbers saying they need my full security Social Security number, my date of birth, and my previous address if I have recently moved. Although all that information was on my original letter, I did respond with the information they asked for on XX/XX/XXXX. I am still getting letters from them most recently on XX/XX/XXXX. I am quite confused about these 3 responses asking for the same information which has been given to them and wonder if they can even find my account. In addition, they have also sent me records of another persons credit history with them accidentally sent to me. This is a violation of all aspects I can imagine. 
My original dispute was of late payments not correct. My account was paid off and I did not agree with late payments on certain dates. At this point I have not been furnihsed any information for the account I am disputing and it has been well over 90 days.
Consumer complaint received 2020-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

In XX/XX/2020 I ordered my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXcredit reports and identified a collection account in the amount of {$360.00} is being reported by a collection agency doing business as Credit Collection Services located at XXXX XXXX XXXX XXXX, MA XXXX. I initially disputed the account with the credit reporting agencies as not belonging to me due to the fact that I have not ever signed any legal contracts or had any credit accounts established with this company. The investigation into the matter with the credit reporting agency resulted in the account being listed as " verified ''. However, I never received any formal explanation detailing the nature of the investigation or a billing statement explaining the charges for the amount reported. On XX/XX/2020, I mailed a debt validation letter to Credit Collection Services requesting the company validate the debt and verify the account information reported to the credit reporting agencies. To date, I still have not received any response or proof from Credit Collection Services validating this debt as mine. Upon further investigation into the collection agencies right to perform debt collections practices in Alabama, I have found that the company is not licensed or registered with the Alabama Secretary of State and is not legally permitted to do business within the state, Ala. Code 40-12-80, which includes any attempts to collect debt. The company is in violation of the Alabama law and my rights under FCRA.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Balance transfer — 
Company: Paypal Holdings, Inc (CA)

I sell some personal property on XXXX from time to time. Recently, I sold a used phone. A customer paid in full for the phone and I shipped the goods. The transaction is completed. For reasons unknown, however, XXXX is keeping 60 % of the transaction value on hold for 30 days. Why is this legal?
Consumer complaint received 2020-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (SC)

On XX/XX/XXXX I send Collection Bureau of Fort Walton Beach Inc. XXXX XXXX XXXX XXXX XXXX, FL XXXX a letter asking for validation of a debt they claim I owe I asked for competent evidence bearing my signature showing that I have or ever had some contractual Obligation to pay them. 
I have also send other letters on XX/XX/XXXX and on XX/XX/XXXX asking for documentation bearing my signature they have yet to send me any documentation bearing my signature and continue to report this on my credit report without Evidence
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates (GA)

Hello, this is information pertaining to Original Account # XXXX Hillcrest Davidson Account : XXXX To whom it may concern, My father, XXXX XXXX XXXX, received a letter saying that {$740.00} was owed for a security system from Alder in 2015. 

XXXX manipulated my father and it veered onto the path of outright exploitation. 

My father is almost XXXX years old, extremely hard of hearing and is legally XXXX. 

My father was sitting on " his '' porch, when approached by XXXX young men from XXXX. XXXX was my father 's previous security company. When approached by XXXX, he thought it was XXXX and was not corrected and unknowingly and needlessly spent money with this new security company. 

When I returned to his home and saw what had happened, I got in touch with Vivint immediately. They came over and I saw that these young men had my father sign a contract. I was infuriated. He was not in the right state to sign a contract alone! The XXXX employee had the contract my father signed rescinded and within 3 days, a Vivint employee took the equipment to the post office and sent it back to XXXX. This was XX/XX/2015. 

I was so disturbed that I contacted the Florida Department of Consumer Affairs for Elder Abuse. I filed a complaint and now XXXX XXXX years later you are accusing my father of THEFT after he was manipulated into signing a contract by XXXX employees. Again, he is legally XXXX, hard of hearing and in his XXXX. Why would this ever be okay to have him sign a contract? It is SHAMEFUL! 

I trust and hope you will handle this issue. Not only was the contract rescinded within 3 days of signing but also the equipment was sent back by an ALDER employee. My father, who is currently in the hospital, should not be getting correspondence from you all accusing him of any crime due to the exploitation of XXXX employees of an elderly man. The onus is on the company. Please fix this issue and leave us alone in peace. 

Thank you
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (NC)

I had a debt for 12 months no interest with a company called Regency Financial a part of XXXX XXXX in XXXX, OH. I made every single payment on time not realizing I was only paying the minimum balance as I was told it would clear the debt. I spoke with them and they explained the terms of my loan. I then went in an agreement to make double payments because they required me to call or come into the office every month. Coming toward the end of the loan they tell me I owe much more than I expected because they charged a late fee every month, even though they told me I could double up payments. They never mentioned a late fee. They end up selling the debt to Mariner Finance. At this point I feel scammed so I decide I am done with the deal all together. On XX/XX/2020 I receive a settlement offer while I am Furloughed from my job. 1 month after I start back working I call and speak to XXXX who says that has expired and in 2 months my balance has went up another {$600.00}. I ask to speak with the supervisor and she is rude saying that was only a COVID deal. The next morning I get a call from XXXX who then says he will take XXXX XXXX  off and he will pursue legal action as he can see now I need them so he will not offer a deal. He then laughs and says never mind you live in NC have a good day. I then called back to ask for an email of the new balance that they were requesting and was told that he could not send it to me even though they sent me an original settlement offer.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 
Very Respectfully, XXXX XXXX
Consumer complaint received 2016-12-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America wrongfully took {$45.00} from me. 
Money was wired in to Bank of America on XX/XX/2016. 
Bank of America returned the wired money, but wrongfully returned {$45.00} less than it received. 
Wire in and out tracking numbers : XXXX, XXXX.
Consumer complaint received 2021-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Summit Horizon Financial Services (CA)

I received a phone call on XX/XX/2021 at XXXX am from Summit Horizon Financial Service regarding a Student Loan Forgiveness program. Upon talking to them and trying to tell them that I was interested and I wanted more information before I agreed to anything they forced me to give them my credit card number and sign a contract which I did not agree upon. They told me they will charge my card {$150.00} for 6 months and did not explain to me what will happen after. 

On XXXX, XXXX, 2021, I found out they charged my credit card and created a new XXXX account. I did not agree to them creating a new XXXX account. Upon finding out this, I attempted to contact Summit Horizon Financial company to cancel the contract but only got the answering machine then I contacted XXXX directly and told them the situation. A consumer representative from XXXX promptly closed the account that Summit Horizon Financial created then told me to report this to ftc and consumerfinance.gov. I will be a dispute the charge on my credit card. 

The website information of Summit Horizon Financial Services is http : XXXX The phone number they had contacted me through is XXXX XXXX XXXX XXXX although on the website it is XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

The 2nd position loan company ( Specialized Loan Servicing ) ( SLS ) doesn't seem to want to negotiate with me on my property. I did a loan modification on the First position loan and immediately the 2nd position asked me to make sure that I don't let my loan go into default. ( see XX/XX/2018 letter from SLS ). Because the equity position is not there I was hoping to either do a loan modification on payments with my 2nd position loan, or have them write it off and send me a XXXX, or if it is a small amount they would want that maybe I could pay it off and settle with them. I have tried with numerous communication attempts including filling out the paperwork for hardship cases. Because of my medical condition with XXXX  XXXX XXXX I was hoping to work something out on the property so I could continue to live in it. It took me much longer than I anticipated to receive my social security XXXX but I would like to remain in the property. I have sent the paperwork and will attach along with the copies of them receiving the registered mail. I have enough stress with my XXXX to be treated this way from the mortgage company. I want something in " Writing '' from them, but I have given them my email, phone number ( sometimes difficult in the mountains of AZ ), and of course they have my mailing address. Because I travel from my home to XXXX AZ for medical treatment I am usually unavailable to get my mail for sometimes from 4-6 days. Please have them respond to me so I can work something out.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2022-12-14
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. (TX)

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 2021-04-23
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: Experian Information Solutions Inc. (MN)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Verato/Dept of Justice on XX/XX/XXXX 2. Experian Business Cred on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. Jpmcb Card on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX XXXX on XX/XX/XXXX 8. XXXX on XX/XX/XXXX 9. XXXX XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.