davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank, 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 602 A. Section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX 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 instructions
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My Merrill Lynch Rewards+ Visa Signature credit card was closed without any notification on XX/XX/2020. 

When I called a customer service rep on XXXX XX/XX/2020 to ask what happened to my account and why i could not see it online, the representative told me that they had closed my account due to inactivity ; that they have recently instituted a policy where they no longer give customers any notification that their account has been closed ; and that the representative disagrees with the policy and thinks it is bad for customers, but can't do anything about it. 

I believe my card had about XXXX " rewards points '' worth about {$500.00} in cash or {$1000.00} in air travel bookings and these points were reportedly destroyed when my account was closed, without warning.
Consumer complaint received 2021-02-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (KY)

Dear Stillman Law Office XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as with Immediadent allegedly owing {$1200.00}. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 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. If you can not validate the debt, stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau XXXX or have already done so ), also report that the debt is disputed. Please be aware that any negative mark found on 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 Credit Reporting Act & Fair Debt Collection Practices Act. 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. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Consumer complaint received 2021-02-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (KY)

I DO NOT HAVE A CONTRACT WITH XXXX XXXX NOR DO I HAVE ANY CONTRACTS WITH GM FINANCIAL. Show me a contract bearing my signature as validation and competent evidence that I have some contractual obligation to pay you!
Consumer complaint received 2021-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

late payments was placed on credit report which they shouldn't have i already try to fix the issue. my problem with these companies was not resolved 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

( Pub. L. 90321, title I, 163, as adde
Consumer complaint received 2022-04-02
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: Avant Holding Company, Inc. (CA)

My credit card company says that I am {$60.00} over my credit limit and it shows a its not even a purchase it just says payment adjustment of {$100.00} when Ive called them they said oh we were where of the problem check back into 2 to 3 weeks nothing is happening at night I just dont understand according to them they say that the transaction was in XX/XX/XXXX but when I look at their website its as XX/XX/XXXX and theyre just very rude they wont explain to me what this is what it means how it became Ive been rebuilding my credit and Im very dillgent and make sure that I do not that my limit and whatever this is just popped up and theyre not seeing the same information that I see on the Internet on their system so I dont know if its fraud on there and what is going on but Id really like to see if theres a way to investigate it. My apologies for the run-on Im using talk to text
Consumer complaint received 2020-07-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've sent out multiple dispute letters to the credit bureaus to which I am not receiving any responses for. I sent one on XX/XX/XXXX and I've sent another one on XX/XX/XXXX. I guess technically they have a few days left to respond to the ones on the XXXX, but considering they didn't give me any notices from the XX/XX/XXXX ones, I don't trust them. What can we do to have them do their jobs? This stuff on my report is not accurate and I need it removed immediately.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

some one hacked my IP address and made a quickpay account under my bank account and sent someone I don't know money. I did not authorize this nor did I create this account. Chase admits that they don't track IP address that were hacked and denied my claim without doing thorough investigation. I DID NOT CREATE THIS ACCOUNT NOR DID I SEND SOMEONE I DONT KNOW MONEY. They also admitted that they did not contact the other persons bank or them to resolve it.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I solely contracted with XXXX to provide alarm monitoring service. My credit wasnt great so I had to pay a monthly fee to get the alarm monitoring service ( I have proof that this was my account and that I wasnt given a line of credit ). XXXX a dealer for XXXX accepted my monthly payments initially then XXXX took over. I fell on hard times and could no longer pay for the alarm monitoring service. I was given a letter stating that my monitoring service would be disconnected if I did not pay the monthly fee. I did not pay the monthly fee and my services was disconnected. XXXX, the company I contracted with, sent me a collection letter, but was not authorized to collect in my state for which I timely disputed. 

Last month, XX/XX/2021, Transunion informed me that XXXX reported to them that I had a charge account with them, the account was joint and that it was a utility charge-off. I was never issued any credit nor was I given any terms, apr rate etc ... Further, all of my monthly service statements list me as the responsible customer. Even the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX never listed XXXX alarm company as a utility provider. 

However, XXXX has reported to Transunion that they had issued me credit, and that they were a utility company, a creditor, entitled to report negative information about me without coming to me first so I can dispute any errors.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST NATIONAL BANK OF OMAHA (IL)

On XX/XX/2021 I was made aware of a derogatory mark on my credit report ( XXXX, XXXX, and XXXX  ) per XXXX. Upon further observation, this account was paid in full and the account was closed ( account # XXXX ) with FNB Omaha. FNB Omaha has violated my rights as a consumer and I am requesting legal action to remove this derogatory account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to FNB Omaha in reference to the incident but havent received any feedback.
Consumer complaint received 2021-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NY)

I recently found this account on my consumer reports on XX/XX/2021. I am not liable to this alleged debt with Credit Collection Services. I never entered into a contract or credit transaction with Credit Collection Services. Credit Collection Services is in violation of 15 USC 1692 b, this company is infringing on my right of privacy. Credit Collection Services is also in violation of 15 USC 1692 d and 15 USC 1681, accuracy and fairness of credit reporting. This is an inaccurate collection that has been furnished to my consumer reports which has resulted in my credit worthiness and reputation being ruined. It seems as though this company is a collection agency, however I never received any correspondence from this company notifying me of who they are, what debt they are attempting to collect. This company, Credit Collection Services, also is not licensed as a debt collection agency in NY. The two collections on my in the amounts of {$220.00} and account {$160.00}.
Consumer complaint received 2020-07-06
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 (NY)

I have filed paperwork for these companies showing fraudulent late pays on my credit. Even after it was fixed they added another negative during a PANDEMIC! This is outrageous and totally not fair. these companies need to be investigated and removed from my report.
Consumer complaint received 2020-06-02
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: Experian Information Solutions Inc. (MO)

On XX/XX/2020, I sent Experian a letter specifying in detail several errors on my credit report. The most urgent of these are two reports of defaulted student loans, when in fact I have never had a student loan On XX/XX/2020, I sent them another letter once again requesting that these errors be corrected. They have not done anything at all about the problems. 

These errors are preventing me from buying a house! 

More info : Only Experian is reporting these student loans, none of the other bureaus. I sent letters to both of the dept of education addresses shown on the report, and both addresses were not valid addresses and the letters were returned - how can the information be correct when the addresses are phoney? I called the numbers and one of them was not in service and the other one, after a very long phone call, told me categorically that I was not in their system and so there was absolutely nothing they could do about the erroneous reports since I was not in their system!
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I submitted to CFPB complaint XX/XX/2020 ( XXXX ) and CFPB closed the complaint upon the receipt of PHH Mortgage response ; I responded to the PHH Mortgage with entire year XXXX paystubs as well as a Hardship letter ; XXXX c/o PHH Mortgage affiliated with OCWEN responded with resending same Unaffordable Trial Period Plan XXXX with extended the period ; forbearance is still in effect ; however, I receive mortgage statements that includes missed payments and late fees and other charges related to missed payments. 
XXXX c/o PHH Mortgage failure to is acknowledge true income amount from XXXX paystubs ; failure to acknowledge XXXX PHH Mortgage XXXX miscalculating errors and continue using incorrect income information in processing creating enormous calculation error is not honesty in fact and it is UNFAIR XXXX c/o PHH Mortgage has not observed reasonable considerations imminent default is due to enormous increased mortgage {$1400.00} to {$2800.00} XXXX XX/XX/2020 ) during a Worldwide COVID Pandemic- ( personally affected ) not considering XXXX. 
Loan Modification can reduce your monthly payment to a more affordable amount ; Loan modification can lower interest rate extend the loan term. It is evident that loan modification is extremely beneficial. 
XXXX c/o PHH Mortgage/OCWEN have not exhibited good faith, fair dealing, ordinary care, honesty in fact, and observed reasonable standard of Loan Modification. 
This whole situation is incredibly distressing to the world and I would be able to make payments if fairly affordable.
Consumer complaint received 2019-11-15
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: Coastal Credit, LLC (VA)

Paid off my loan in XXXX of XXXX and still do not have a title. Called repeatedly to Coastal Credit LLC and was told the title had been sent to the wrong address. After 10 months of waiting for a duplicate title I spoke with the title clerk who informed me it was going to be sent out again. I asked if I go and pay for the title who is going to reimburse me, as I paid for the title when the car was acquired, I was told no. As of today XX/XX/XXXX I still do not have a title. I was given a tracking number and when I attempted to acquire the title DMV states there is no title available.
Consumer complaint received 2021-02-02
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. (OH)

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cstone Mortgage Inc (CA)

I was referred to Cornerstone Mortgage Group for a refinance. I was told XXXX XXXX NMLS # XXXX could handle my file and would help me get into a lower rate mortgage. He found a mortgage product that fit my needs and so decided to proceed. I clearly instructed him to order the valuation report only after all other underwriting items were 'green lighted ' ... .I am a XXXX   XXXX  XXXX  and have been doing this for years. I also am a XXXX. 

Since my property had less than 40 % leverage ( 60 % equity ) I knew even with a conservative valuation this item would not hinder the refinance process. Well Mr. XXXX took it upon himself to order a valuation report before all other items were 'cleared ' against my instructions and then he and his underwriting team could not deliver on the refinancing siting other issues. Why did he spend funds on a valuation report that was not needed as the mortgage could not be issued is truly a lack of professionalism and demonstrates the lack of experience in dealing with such matters ( which is fine as we all need to start learning somewhere - but he should have had the appropriate coaching and guidance which clearly he did not ). I do not recommend Cornerstone Mortgage Group ( NMLS   XXXX ) for your refinancing needs as they have a difficult time listening to basic instructions and not delivering as promised.
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I submitted a complaint about this collection company on XX/XX/XXXX. The company responded through the CFPB relating to complaint XXXX. Since that time, they responded to the complaint and said they would tell the credit reporting agencies that the outstanding " debt '' was under dispute, but on XX/XX/XXXX, I received via mail notice of of a lawsuit filed in my County by Portfolio Recovery Associates. I received correspondence from what what appeared to be two Law Firms that offered to represent me in the lawsuit.
Consumer complaint received 2019-08-13
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (NC)

Problem : Offending company : Bridgecrest my mother Missed two car payments consecutively, instead of her just letting make up the payments, Bridgecrest ( https : //www.bridgecrest.com/ ) wouldnt let her pay the payments, then said she had to pay up the whole loan of {$19000.00} or they would come and take the car, and they wouldnt let her pay the overdue payments. Then they took the car and sold it off at auction. This was a cruel and unusual action that was not justifiable with only two missing payments, she had paid off a fifth of the loan already which is proof she was capable of paying the full loan, she makes over $ XXXX a year and we were left stranded without a car. 

The reason i think this is illegal and immoral is because of ( 1 ) the fact 1/5 of the loan had already been paid off, which makes it highly suspiscious for a company to jump the gun on reposession so quickly. And ( 2 ) because they would not allow her to pay the missing payments, forcing her to pay the full amount which is outrageous. 

My mother now has another car that she purchased at a more reputable dealership. 

You can also see similar complaints online here : https : XXXX How many payments she had made : 16 How much the payment was per month : {$350.00} The full loan : roughly {$25000.00}