davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (AR)

On XX/XX/XXXX, I received a collection letter from Sunrise Credit Services that XXXX placed my account in collections. After contacting XXXX, it was confirmed to be an error and should have never been placed in collections. 
MULTIPLE times I contacted Sunrise and spoke with XXXX XXXX. She said she was a supervisor and I needed to file a dispute. She said they would not contact XXXX to confirm the account was sent to collections as an error. XXXX gave me the email address to send my dispute and I did on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX stating they have tried to contact me numerous times and failed so XXXX had asked them to report my debt to my credit report ( both lies ). Today, XX/XX/XXXX, I contacted XXXX with sunrise again and she still refused to contact XXXX and stated they still did not receive my dispute and gave me the address to mail her a dispute. After hanging up with XXXX I contacted XXXX again and spoke with a supervisor who stated I did not owe anything and sunrise had been notified of that. Since sunrise refuses to help me, I was advised to make a complaint.
Consumer complaint received 2023-04-05
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: I.C. System, Inc. (PA)

XXXX Published Information on my credit report from I.C. SYSTEM, INC. WHICH IS NOT MY Account. Its fraudulent, and its a privacy issue and its causing harm to my physical state of being, my character my livelihood and costing me to be discriminated against my will to extend my credit. I am already suffering from Identity fraud and now this...
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

This letter is regarding account # XXXX which you claim I owe you money. Please REMOVE this account to from all Credit Reporting Bureaus. 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 any of my credit reports from your company or any company that you represent, for a debt that I don'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. - Very Respectfully, XXXX XXXX
Consumer complaint received 2021-05-03
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. (GA)

According to USC 15 1681a ( 4 ) consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. Please remove this account from my credit report. I will exercise 15 U.S. Code 1681o - Civil liability for negligent noncompliance. Please remove Chapter XXXX BK XXXX.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

As a federally protected consumer and natural person BANK OF AMERICA has violated my rights.BANK OF AMERICA is in violation of the ELECTRONIC FUNDS TRANSFER ACT ( REGULATION E ) .Pursuant to 12 CFR 1005.2 ( I ) & 15 U.S. Code 1693a ( 9 ) Financial institution means a bank that directly or indirectly holds an account belonging to a consumer.The account BANK OF AMERICA holds for me belongs to me only not them.BANK OF AMERICA is also in violation of the TRUTH IN LENDING ACT ( REGULATION Z ). Pursuant to 12 CFR 226.2 ( 20 ) they have violated the terms of our open end credit plan. TAKE NOTICE PURSUANT TO 15 U.S. CODE 1666 ( E ) THE CREDITOR LEGALLY AGREES TO FORFEITS ANY RIGHTS TO COLLECT FROM THE OBLIGOR THE AMOUNT INDICATED IN THIS DISPUTE, WITH RESOLVING THESE BILLING ERRORS.AS THE CREDITOR, YOU BANK OF AMERICA MAY NOT COLLECT ANY DISPUTED AMOUNT, I THE CONSUMER DOES NOT NEED TO PAY, A CREDITOR SHALL NOT ACCELERATE ANY PART OF THE CONSUMER 'S INDEBTEDNESS OR RESTRICT OR CLOSE A CONSUMER 'S ACCOUNT SOLELY BECAUSE THE CONSUMER HAS EXERCISED IN GOOD FAITH RIGHTS PROVIDED BY THIS SECTION.SUCH ACTIONS BY BANK OF AMERICA WILL FORFEIT ITS RIGHTS TO COLLECT THE DISPUTED AMOUNT AS DESCRIBED IN 15 U.S. CODE 1666 ( E ) AND PURSUANT TO 12 CFR 1026.13 ( D ) ( 3 ) ; AND HOLD THE CREDITOR BANK OF AMERICA LIABLE PURSUANT TO 15 U.S. CODE 1693M FOR THE ACTUAL DAMAGE CAUSED TO I.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/21 approx XXXX I received a phone call on my cell phone from XXXX A recorded message stated that there was a questionable charge for an XXXX on my XXXX credit card and that they had put a hold on the transaction. I was to press 2 for assistance. I did and was connected to a person. I felt uncomfortable immediately so stated I had a bad connection and would call in. 
I call into the servicer of my XXXX XXXX ( XXXX ) and was told my account was fine. - no flagged activity. They suggested I contact you.
Consumer complaint received 2019-03-13
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: Experian Information Solutions Inc. (FL)

While checking my most recent credit report, I noticed a credit inquiry that I did not authorize, made by the following company : Inquiry : XXXX XX/XX/2019 This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-04-28
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. (MS)

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 Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my right 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 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (TX)

On XX/XX/XXXX, I refinanced my loan with XXXX with monthly payment as follows : Principal : {$340.00} Interest : {$410.00} Total : {$760.00} Paid {$800.00}. {$36.00} towards principal I was informed that The Money Source Inc. ( TMS ) would be XXXXhe servicing company. 

The Money Source Inc. ( TMS ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX XXXX : XXXX Emai : XXXX XXXX gave me two loan numbers as follows : Second TMS Loan No. : XXXX XXXX XXXX First/Original TMS Loan No. XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX I was informed that the payment would start from XX/XX/XXXX. Since I could not set up an online payment ( due to technical problem of TMS website ), I sent a check for {$800.00} to TMS which received it. 

In the meantime, I received to notifications that my servicing account was transferred to XXXX. 

According to the notification which I received from XXXX XXXX ( dated XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ), my loan was transferred to XXXX effective XX/XX/XXXX, XXXX and XX/XX/XXXX respectively ( please see the attached ). 

But according to an email which I received from TMS said that " effective XX/XX/XXXX, the servicing of your loan will be transferred to XXXX XXXX d/b/a XXXX XXXX ( copy attached herewith ). 

I called TMS a total of three times. At all those occasions, I was told that the {$800.00} which remitted to it would be transferred to XXXX. 

On XX/XX/XXXX, I called TMS and talked with one XXXX XXXX. She told me that according to the law, TMS can hold the money for 90 days and within 30 days, {$800.00} will be transferred to XXXX. 

On XX/XX/XXXX, I called TMS and spoke with XXXX XXXX. She said TMS did not transfer {$800.00}. 

On XX/XX/XXXX, I also spoke with Spoke with XXXX XXXX of TMS. He said TMS received {$800.00} on XX/XX/XXXX. He said that {$800.00} was not transferred, it would take up to 60 days. I told him that period was over. 

He said that XXXX XXXX provided an account number of XXXX XXXX XXXX. In fact, MrCooper.com account number is : XXXX XXXX XXXX. 

XXXX XXXX, after checking with someone else, said that {$800.00} is for TMS for the month of XX/XX/XXXX, and payments to XXXX should start from XX/XX/XXXX. 

Then he said that the TMS is entitled to {$800.00} as the account was transferred to XXXX only on XX/XX/XXXX I told him that Fannie Mae and XXXX informed me that my mortgage servicing was transferred to XXXX on XX/XX/XXXX, and XXXX respectively, and emailed a copy of those letters. 

He said he would further make a research on this. 

On XX/XX/XXXX, XXXX XXXX called me back and said that {$800.00} was wire-transferred to XXXX on XX/XX/XXXX. Ref. No : XXXX XXXX XXXX XXXX XXXX XXXX. 

I spoke with the Customer Service of XXXX which said that it did not received {$800.00} from TMS.

I would appreciate very much if you could ask TMS to refund me {$800.00}.
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/XXXX, payment was sent to Santander and payment was not acknowledged or credited to account. On XX/XX/XXXX, another payment in full was sent to Santander and no credit to account. On XXXX XXXX, vehicle was repossessed and had to pay {$2500.00} to get it returned. Payment was sent again in XXXX for partial amount and also not credited to my account. In XX/XX/XXXX, attempted to make a payment via customer service representative and again, they continued to send me through their automated system qhen I was making a payment per agent. In XX/XX/XXXX, attempted to send a full payment via XXXX and received a letter that they received the XXXX and they did not want to give up the security interest in the vehicle. I need assistance, please.
Consumer complaint received 2022-10-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (AP)

As XXXX XXXX for over 22 years to current, I have managed to maintain good to excellent credit as my XXXX XXXX  requires it. In XXXX  my personal information was exposed in the XXXX breach, following that, within XXXX I have had 4 credit cards maxed out with charges I did not make, all charges were said to have been made online to a gaming company. I disputed the charges explaining, ( logic  ) who in there right mind would spend over {$40.00} in 6 months playing online games, further more I was on XXXX XXXX XXXX in an austere location disconnected from the XXXX XXXX XXXX. None the less the card companies said they investigated and the charges are valid. I refused to pay for charges i did not make and as a result the cards were charged off and sent to collection. These charge off are adversly affecting my credit report and i would like some assistance correcting what is clearly not my doing.
Consumer complaint received 2022-04-28
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. (MS)

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 Account # XXXX PXXXX  XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, has violated my right 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 2019-03-13
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)

I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by XXXX XXXX XXXX XXXX, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote XXXX XXXX XXXX XXXX directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote Experian and XXXX directly, return receipt mail, to notify them that since XXXX XXXX was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address XXXX XXXX 's data furnishing negligence and willful misconduct. I am hoping that directly disputing XXXX XXXX 's data furnishing practices will be sufficient to resolve this matter.
Consumer complaint received 2022-01-10
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. (AZ)

Well according to 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer I never gave no credit bureau any written consent! 

No consent is Identity Theft.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, XXXX XXXX, Consumer, dated on XX/XX/2022, am demanding Capital One Bank XXXX XXXX, to send I, XXXX XXXX, a Payoff Quote of the current balance on my Capital OnXXXX account. Please send this information via Consumer Financial Protection Bureau, and as well a copy via Postal Mail. Pursuant to 15USC 1681n ( a ) ( A ) ( B ) for any noncompliance whatsoever fines will be applied to Capital One Bank XXXX XXXX. Thank you. Best regards!
Consumer complaint received 2020-01-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BSI Financial Holdings, Inc. (OH)

The debt was paid in full as stated in amended notice of dismissal filed by BSI Financial Services attorney in case XXXX enclosed as an exhibit in this complaint. 

The debt was agreed on a balance not to be less than {$25000.00} to BSI in a agreement to settle the debt which was the amount of the reaffirmed bankruptcy agreement signed by the investor and creditor in case number XXXX in the United States Bankruptcy Court XXXX XXXX of Ohio. 

BSI agreed to the amount of no less than {$25000.00} in the contract and there were no other numbers or figures listed in the agreement of money still owed of any amount or forgiveness of debt. BSI has now sent the IRS a XX/XX/XXXX 1099-C in the amount of {$13000.00} debt discharged also showing {$2500.00} in interest payments made by me on the loan. This amount is not a true FACT as per the courts finale amended notice of dismissal in case XXXX the loan was paid in full by BSI own lawyer XXXX balance owed. As per the contract signed and agreed on with BSI I paid them {$25000.00} which was the original reaffirmed amount from XX/XX/XXXX four years prior. The FACTS show that per the court dismissal the loan was paid in full. This 1099-C is just an attempt of BSI or the investor of that loan to try to defraud the IRS by submitting a 1099-C for what could only be discharged bankruptcy debt from the loan cram down which would be illegal and I will have no part of it.

I have also included as an exhibit the case at which BSI lawyer petitioned the courts for the amount of only {$22000.00} which was not the amount of {$25000.00} that I paid if you were to take the interest showing in the 1099-c in the amount of {$2500.00} plus the {$22000.00} it would be {$460.00} more than BSI stated was the less amount that they would take.
Consumer complaint received 2019-03-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MI)

At the end of XXXX, I sent a request to the credit bureaus to address inaccuracies on my credit file. On XX/XX//2019, I  received a letter from XXXX XXXX XXXX XXXX deceitfully presenting me with paperwork to resemble a " validation of debt ''. Nowhere in this information did the company provide a contract that they legally obtained the debt and was authorized to collect on it. They also failed to provide me with validation of the debt according to FDCPA. This company has willingly, deceitfully, and illegally attempted to collect a debt without honoring my rights as a consumer to validate the legitimacy and ownership of the debt. Upon research of this particular firm, I found several court documents to substantiate that XXXX often engages in these illegal and unethical business practices. They utilize misrepresentation such as seen on page 2 of their letter. They have created a word document and deceitfully represented that as a " validation of debt '' when in fact IT IS NOT in accordance to the FDPCA laws, which they are aware of based upon the numerous lawsuits that this office has had dismissed for this very practice over the last ten years. Yet, then continue to violate the laws they are to adhere to. 

They have harmed me irrevocably caused harm in their continued reporting of a debt to my name that they have failed to validate and provide documentation that they legally obtained this debt. This harm has affected my financial well-being and ability to obtain credit in the past as well as the future.