davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
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. (NC)

I have disputed this closed/ charged off account with XXXX , Transunion , and  XXXX because this account needs to be removed from my credit report. They are fraudulently reporting missed payments of {$350.00} every month on this account ( XXXX ) .There should be no monthly payments on a closed charged off account. The account was closed and charged off in XX/XX/2017.I have asked for proof of verification and received nothing and it's still listed. They are in  violation! 

I was only able to include one document as proof because this document was the only one I have saved
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (FL)

Dear CFPB, Hello sir or ma'am, I am asking for your help to investigate Prestige Financial Services, located in XXXX Utah for violating the Servicemember Civil Relief Act ( SCRA ) after illegally repossessing my vehicle without a court order. 
In addition to that, they were supposed to lower interest to 1 % ( Exhibit A ). The only reason this account was in default is that they never updated the loan to reflect 1 % or the new banking information I provided them. A few weeks later I had to transfer from XXXX XXXX  to XXXX XXXX, stopping in between to attend a military training course for several months in XXXX XXXX. During that entire time, nobody reached out to notify me by phone or mail that the vehicle was at risk of being repossessed. The only notification that was sent to me was an email the month prior, which I didn't receive due to being in NY visiting family for XXXX. Even in that overlooked email, it did not say anything specific about repossessing the vehicle. ( Exhibit B ) It wasn't until a month later when Prestige Financial Services committed the most unethical and indecent act imaginable on the evening of XX/XX/2016. They intentionally violated my entire family by coming on private property in a double gated community without any warning and illegally repossessed our minivan without the decency of allowing me to get my belongings or all my kids XXXX gifts my wife had hidden inside, completely ruining XXXX for my XXXX young children who did nothing wrong! That is when I discovered the email sent the month prior and responded immediately notifying them that they were in violation of the SCRA. ( Exhibit C ) It wasn't until several days later when they finally contacted me back. I was told that I would have to pay {$500.00} to get my belongings back, which at the time we couldn't afford after having to re-purchase all the gifts for my children after XXXX when the stores opened up again. We never got our belongings back. After everything they did to violate us they are still damaging me by reporting inaccurate negative information on my credit report. I have sent them proof multiple times that the repossession was done illegally and it violated federal law under the SCRA but they still refuse to fix their mistake and won't remove this account off my credit report. I was advised by the XXXX Legal office on base to contact you after they saw what was done to me and agree that this company should be investigated to the fullest extent for their business improprieties.
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CT)

Had a credit card, paid the credit card in full. for some reason it was sent to collections ( XXXX XXXX  ) the original creditor ( the credit card company ) has since admitted it was paid and removed it from my credit reports, however their creditor refuses. 

I feel XXXX  is also to blame here, they allow XXXX funding to simple " say '' its Valid with no actual proof ( because there NONE ) while I show proof of the payment in the form of a bank statement and somehow the win the dispute every time. 

and when someone files a complaint against XXXX themselves ( with the CFPB ) they simply PROMISE to go a full investigation, but the just do the same thing and believe the creditor, its all a big scam.
Consumer complaint received 2020-09-18
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

This card was a replacement card for a compromised card ( clearly had tampered with, damaged magnetic stripe, a thick glue covering numbers on front etc ). I received a replacement card but I was told it would not be activated until I sent a submission via fax proving my identity and possession of replacement card, which I did on XX/XX/XXXX. The card was supposed to be activated within 2-3 business days, but it STILL has not been activated. This is unacceptable.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Express Recovery Services, Inc. (UT)

Express Recovery is reporting an erroneous debt on my credit file. I have been disputing an account with Express Recovery for a hospital visit with the University of XXXX. When I noticed this debt, I called and settled it immediately. I was told that this account would be removed from credit but they have not removed it. It's been months of me trying to get them to remove a PAID collection! Not only has this been settled, I never signed a HIPPA patient release form allowing Express Recovery to report this debt on credit. This is a HIPPA violation and needs to be removed.
Consumer complaint received 2019-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NC)

This company blatantly fooled me with this car. The interest rate was higher than I had agreed to. I was told that once I made my payments on time that I would be able to trade in my vehicle for something else. I tried, however that was incorrect.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I purchased two pair of XXXX sandals online from web supplier. Did not know from website that supplier was based in XXXX. I received cheap vinyl sandals very different from what I ordered. I repeatedly corresponded with web supplier who refused to send correct order unless I re-ordered again ( for 30 % discount ) Then I reached out to Bank of America, my XXXX company for help. BOA did not help. Instead they asked that I send proof that merchandise was not authentic. I contacted XXXX Consumer Care by email, sent them photos of my cheap sandals, to which they emailed me back. They agreed this was not their merchandise. 
BOA is now stating they want a second opinion letter from another qualified merchant who must physically inspect the merchandise, state that he has expert knowledge and explain how he is able to determine the merchandise is not authentic- all on corporate letterhead.
Consumer complaint received 2022-03-01
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. (NY)

I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX  & XXXX XXXX. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX
Consumer complaint received 2020-11-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2023-02-14
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (CA)

I am writing to you, CFPB to inform you of the improprieties conducted on behalf of Great Lakes Educational Loans. Great Lakes has no written consent, court order or Power of Authority with me. The FDCPA Fair Debt Collection Practices Act appears to be in violation due to the aforementioned things. Great Lakes is definitely violating my right to privacy as pursuant to the Constitution. The company has already utilized my personal information without my knowledge with other companies. Defaming my name to the public is also a violation of the Constitution as well as the law. These are discriminatory transactions that are being reported are impacting my ability to attain my rights to acquire the basic necessities of life ; for example a quality home, decent car and educational aspirations for my children. I feel like I am being denied my access to the American Dream by the conduct of Great Lakes Educational Loans with this treatment.
Consumer complaint received 2021-11-10
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. (GA)

I have sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX  Account Number XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC (PA)

XXXXOpploans is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to Uniform Commercial Code Article 9-210 which states that the recipient must respond to the request within 14 days. It has been over 30 days and I have not received a response. I have requested that the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss, a copy of the 1099-c that was filed for the account, the truth in lending disclosures, and the right to opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. This is a huge violation of my right to financial privacy of my nonpublic information. Please see attached.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (WI)

State collection services in the amount of {$420.00} dollars under dispute since it was first reported to credit agencies in XXXX  2016. Company has repeatedly failed to provide information substantiating debt claim. No account statement or report of any kind has been received despite requests.
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a Bank of America Cash Rewards card. On XX/XX/2017 I used the Bank of America website to redeem enough award points to pay my bill in full. My next bill showed a late fee of {$25.00} even though my balance on the card was {$0.00} before the late fee. When I talked to Bank of America they stated the terms of the card are that you can not pay the full amount with reward points. In doing so you would occur a late fee even though the balance was {$0.00}. While this information may be in the small print I was able to pay the complete bill with rewards points on the Bank of America website without once receiving a warning that I would be charged a late fee.

After over 2 hours on the phone with Bank of America, where they initially denied my request to refund the late fee, they agreed to refund the fee but they said they could do nothing about the impact on my Credit Rating.
Consumer complaint received 2018-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC (MT)

Working with Global Lending services to get my account back on track has been a nightmare. I have worked with one agent named XXXX to file an extension and to get my loan payments caught up after a layoff from my job. I was told that my account was at 51 days behind and that making a payment of XXXX would make my account current and I could ask for an extension to be added on the end of the loan to help me get back in the black. I have spoken to this agent 8 times since the end of XXXX. On XX/XX/18 she confirmed the extension and the information we had agreed upon. She told me that I could make a payment on XX/XX/18 - after I get paid from my new job - and everything would be fine with the account. Then on XX/XX/18 she called and told me that I misunderstood and that my payment of {$390.00} was now {$840.00} and they could repossess my car. That isnt what we spoke about!!! I told her that. She said that she would look into it. On XX/XX/18 she called and left me a voice message that you can not hear - and I called back the extension number she left according to my vm text - apparently it doesnt not exist. I then called back and asked to speak to a supervisor so that I could get this resolved. He yelled at me that I didnt know what I was talking about. No one by the name of XXXX works there. WHAT? 
She called me tonight XX/XX/18 and told me that one I make the payment of {$390.00} I can then ask for an extension. This is unacceptable. I realize Im late in my car payment. Im catching up as fast as I can. I just started a new job. Im making back payments. Im asking for your help. Not to be treated like a 6 year old eating ice cream before dinner.
Consumer complaint received 2017-12-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (KY)

Staring in XXXX 2017, I disputed multiple fraudulent charges on my account. PNC bank refused to return my calls or respond to emails for 2 months. After many follow up calls and visits to my local branch, the disputes were found to be valid and the merchants refunded those transactions however PNC bank closed my account and refused an explanation. I have banked with PNC for many years. This has caused undue stress and work for me during the holidays. Having to open a new account, set up new bill auto payments and have my funds on a hold where I could not access them for many days has been stressful.
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation of America (AR)

I asked for them to verify @ RMC of America which they could not provide 100 % accurate information or validate that the debt was mine. In return I was informed that she could not validate that the debt was mine because the original creditor was no longer in business.
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Hi, Our mortgage foXXXX XXXX XXXX XXXX XXXX were transferred to a different service provider. First we were with XXXX and then moved to SPS. 
We got notified from XXXX of the transfer, account was supposed to move to SPS from XX/XX/XXXX. But on XX/XX/XXXX we received a letter for " Notice of Default - Right to Cure ''. This letter to send to both the home address and tenants were confused and worried about it. I had to reassure them that we are paying mortgage on time and house will not be taken over by bank. 
I have had multiple homes over last 15 years and had numerous refinances done. Always when service provider is changed and loan moves to new bank, they give you 60 days to setup payment and send statement and call if we had not setup payment before anything like this is done. We have never received anything like this before. Also, its been just a month exactly from XX/XX/XXXX to XX/XX/XXXX, from the time the loan was transferred to when the notice was sent. 
When I received the statement in XXXX last week, I setup the account online and I sent the payment for XXXX on XX/XX/XXXX and also setup auto payment on XX/XX/XXXX. 
I am worried about what was the reason to send this notice to take over the house within a month on loan transfer? They didn't even give us time to make first payment and setup auto pay. I have never missed a mortgage payment in all these years with any loans. 
I am filing this complaint so you can check on them and let them know what they did is wrong. I want to make sure, they don't do anything like this going forward and try to take over the property illegally. Please address this issue, I really appreciate CFPB being there to protect common man. 
Thanks.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Porania, LLC (AL)

in accordance with the Fair Credit Reporting Act XXXX Account Bankruptcy XXXX XXXXXXXX reference # 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 an account without my written instructions.