davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (IL)

I am filing this complaint because I have sent multiple rounds of letters to credit bureaus to reinvestigaste XXXX accounts that are reporting false information and it is costing me thousands of dollars a year. They are violating my rights and they have the nerve to not even respond to my letters! These inaccuracies are highly injurious to my credit rating. 

First account is open sky which is a closed account that was paid in full of {$100.00}. 

XXXX XXXX XXXX  acct # XXXX balance of {$620.00} XXXX XXXX XXXX  acct # XXXX Balance of {$420.00} Open sky acct # XXXX Closed paid acct Furthermore, in accordance with the fair act credit reporting act, public law XXXX, Title VI, section XXXX, subsection A-D, please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. IT IS ILLEGAL TO REPORT FALSE INFORMATION! 

They are all reporting different information all across the board! I have asked for the accounts to be deleted immediately and please forward me send me an updated credit report after you have completed your investigation and corrections!
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I noticed a collection reporting on my credit report. I have no notice or have gotten ANY notification of this debt. No actions were taken by the company after reaching out several times. Portfolio recovery has placed a collection account on my credit report with no notification it has been reporting negative on my report since XX/XX/2022.
Consumer complaint received 2023-03-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (TN)

I scheduled the XX/XX/2023 mortgage payment on Primary Residential Mortgage Inc 's website. I lost my job on XX/XX/2023. I contacted a housing counselor who told me to apply with Tennessee Housing Assistance Fund for Covid-19 assistance. I then called Primary Residential to request a payment refund due to extreme hardship and they are refusing to refund my payment. I also applied with them for their Covid 19 forbearance and they are stating that they are keeping the XXXX payment and starting the forbearance effective XXXX XXXX and XXXX. This is not helping. I explained this to them and told them that Tennessee Housing Assistance Fund can't process my application until the mortgage is 30 days past due. I am unable to buy food and pay my utilities. I have worked with other lenders who would reverse the payment and they are refusing to do this. My bank told me they could indeed refund the payment. Can you please help me to get the payment refunded?
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Modern Adjustment Bureau (CA)

By now Modern Adjustmen Bureau has been served with a small claims case XXXX. All records will be produced on court date. I have attached for the CFPB to review the documents that were served. If you wish to discuss settlement, please consider this an open invitation. 

There is also a pending civil case for vioaltions under FCRA with cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I wish to settle both right now for {$1000.00} plus trade line deletion.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc. (FL)

A THIRD PRTYCOMPANY HAS MY LOAN AND I HAVE TO GO THROGUH THEM TO MAKE MY CAR PAYMENTS. 
THEY TOLD ME TO GO THROUGH THE PROCESS IN THIS XXXX  AND MY REFERENCE NUMBER IS XXXX
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-06-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (IN)

In my affidavit i stated violations on behalf of XXXX XXXX and Global Lending Services. I believe i federally protected consumer have been violated in several way under the fdcap, fair debt collection practice act. fcra fair credit reporting act, and also tila truth in lending act. any fraud in any contract is null and avoid.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used to have a joint account with a friend back in early 2004, which eventuallywas closed by the other party without my knowledge. 
When it was closed, the account was overdrawn by about {$250.00}. Since I wasalso on the account, Bank of America took the overdrawn balance from thejoint account from my account. I had no problem with them taking the {$250.00}, asmy name was on the account. 
The issue is when I want to open an account at a different bank, I was denieddue to XXXX XXXX showing I have a bad record. 
I confronted Bank of America a few year back, and they claimed that theywould take care of it. 
I had not thought about it again since I have not tried to open an account. 
However, recently I wanted to be added into an account, but again was denieddue to XXXX XXXX.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion failed to provide a " hit '' on my credit reporting to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX., XXXX XXXX, NJ XXXX. As such, I had an adverse action and not approved for credit/bank account.
Consumer complaint received 2022-02-12
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. (TX)

I have new information regarding CFPB complaint # - XXXX and XXXX. This company have responded to my complaint that they need more time to review and thoroughly research my submission. I do not approve the extension. Pursuant 15 USC 1681i ( a ) ( 1 ) ( a ), ( b ) and ( c ) consumer reporting agencies only have 30 days and that is all the time I am allowing. If this situation is not complete and results are not mailed to me by XX/XX/2022 I demand these things be removed from my consumer report.
Consumer complaint received 2016-10-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (CA)

My account at Macy 's was closed without my knowledge, Macy 's also sent my account to an outside collection agency without providing anything to me in writing. When I contacted Macy 's to ask why I was told that because of my filing a chapter XXXX to save a property from foreclosure, Macy 's automatically closes the account, When I asked why my account which was not delinquent was sent out I was told that was the policy, I asked to be pointed to where Macy 's had these disclosures in writing? I was told that I could not speak to anyone else by XXXX XXXX and that was they way it was to call back. In reviewing the Rosenthal Act, Macy 's had a duty to notify me writing of their intentions furthermore, to send my account to a collection agency which will report to the bureaus and further damage my credit is illegal.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

Sears/CBNA is reported an adversed information on my account, saying it was 30 days delinquent XXXX XXXX XXXX XXXX when it should not have been. Sears sent out a statement to me some time in XXXX XXXX, but the mail was undelivered. I never received my statement and when I finally received a call from Sears, I made a payment right away. I have never been late and Sears have records of the mail being undelivered. I called twice to Sears to dispute this, but they say I have to dispute it with the Credit Bureaus, which I have. The Credit Bureaus did an investigation and it is still showing as an adverse account ( my ONLY XXXX with a negative mark! ). I am very distressed at the damage this is effecting my good credit standing. Because of this XXXX mistake on my credit report, I have been wrongfully denied credit recently for a refinance on my home, which was highly embarrassing.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (NJ)

Inaccurate Debt Collection by DNF Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/2024 Fair Debt Collection Practices Act ( FDCPA ) Dear CFPB, I am writing to file a complaint against DNF ASSOCIATES. 
Account Name : XXXX XXXX Account number : XXXX I. Dispute Regarding Debt : I am writing to dispute a debt collection matter with DNF Associates. I am unaware of any such debt and have not had a prior opportunity to contest it before it appeared on my credit report. 

II. Improper Notification : I did not receive proper notification regarding this alleged debt. DNF Associates has not furnished a certified mail receipt with my signature, demonstrating I received notification at least five days before the debt appeared on my credit report. 

III. Rights Under FDCPA and FCRA : I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These acts ensure proper debt collection procedures and the accuracy of information reflected in consumer reports. 

IV. Demand for Information and Removal : Therefore, I demand the following : Immediate deletion of the collection/charge-off account : Since DNF Associates can not verify proper notification, I request the immediate removal of this entry from my credit report. 

Purchase Agreement : Please provide a copy of the purchase agreement associated with this alleged debt. 

Debt Collection License and Bond : Furnish proof of your licensing and bonding as a debt collector in my state. 

V. Legal Citations : My request is supported by the following consumer protection laws : 12 CFR 1006.34 ( d ) : Requires debt collectors to provide validation information upon request.

15 USC 1681-s-2 ( 7 ) ( a ) : Prohibits furnishing inaccurate information to credit reporting agencies.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Dictates providing clear and accurate debt validation details to consumers.

12 CFR 1006.34 ( b ) ( 5 ) : Mandates debt collectors to send debt validation information within five days upon initial contact.

Please note : These actions by DNF Associates constitute a violation of my consumer rights by using false, misleading, misrepresentative, and deceptive means. I request DNF ASSOCIATES to cease all communication regarding this debt until they comply with the FDCPA and FCRA.
Consumer complaint received 2022-09-05
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Gift card for purchase in the amount of {$50.00}. One item was returned, and the other was kept. However, the merchant did not credit my account the full {$50.00} for the gift certificate. {$16.00} us still due. I'm being harassed by Bank of America to provdie the information and explanation 3 times now. If this business were conducted in the United States, they might be able to understand English more fluently.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

I find myself in a foreclosure situation with Lakeview regarding my mortgage loan. I had some very serious health issues in the last few months and have tried on many occasions to get Lakeview to work with me on a deferment or forbearance or some type of program to help me get caught up. The company has insisted that I reinstate the full past due balance to prevent foreclosure sale. Since Lakeview refused to provide any type of help I went to my 401K and drained the funds so that I could pay off the missed payments. I withdrew enough money to settle this matter but by the time I got the new reinstatement amount thousands of dollars in junk fees and legal fees had been added and although I had over $ XXXX to pay was told I needed to come up with the full amount down to the penny. This is no way to do business! I had XXXX XXXX of the money owed, why couldnt they accept this as a good faith payment and work with me instead of trying to sell my house!! Now there is a foreclosure sale date on XX/XX/XXXX. This is unethical and wrong. 

My hardship began when my wife and I separated and I continued to make XXXX XXXX of the payment. I moved out temporarily to stay with my sister and had to help with bills at her place as well as all bills at my house except utilities beginning in XX/XX/XXXX. My estranged wife XXXX was supposed to pay the utilities for the house but her hours were cut and she fell behind on all of that and it was a mess. I moved back in to the home in XX/XX/XXXX and had to pay multiple months of utility bills so they would not get shut off and missed a couple of mortgage payments. I took out a small 401K loan at that time to catch up on everything and also bought materials so I could repair some damage and remodel the home. Then I started having XXXX problems and had XXXXXXXX XXXXXXXX XXXX in spring XXXX and missed a mortgage payment again in XXXX because I was not able to work for XXXX months. I finally got back on my feet and went back to my job as a XXXX XXXX. I began calling Lakeview to see if they would work with me and offer help through forbearance or a deferment but was turned down by everyone. 

I worked extra hours to try and get enough money together to try and catch up on the loan but got hurt on the job in XX/XX/XXXX and again was out of work. When I called again to tell their agents my situation they said I could try and apply for assistance, but I was going into foreclosure. I was under tremendous stress and the paperwork was overwhelming and I decided I would fix this myself and took out the {$10000.00} 401K loan which was enough to reinstate the loan. However, by the time I got the check Lakeview had increased the reinstatement amount to close to {$13000.00}. I tried to give them the money but they refused and have scheduled a foreclosure sale date for XX/XX/XXXX.
Consumer complaint received 2020-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd ()

On XXXX of XX/XX/XXXXi open an account on the portal Transferwise. I used it to receive and make payments of my clients. Everything was allright till XXXX that i realized that the account has been closed without any notifications. Till then i have been trying to recover my money without notice. 
Send some mails and the answer is that they are doing some compliance but i think that the they are taking a lot of time to do the work. 

Thanks
Consumer complaint received 2016-08-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CO)

My husband and I a loan with Synchrony bank for furniture in either XXXX or XXXX. Since then we have been paying over XXXX a month and the balance never goes down. I feel that we were misled with deceptive sales tactics and contracts. We have XXXX children and XXXX income now. How is it that we borrowed approximately XXXX three years ago, paid over XXXX a month since then and still owe XXXX?
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

My identity verification process has been under review since 2021. I have emailed venmo back-and-forth for XXXX weeks and the only solution they can offer me is to delete my account and create a new one. I have a pending XXXX crypto claim from the bankruptcy lawsuit that I fear will be lost if I delete my account.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Mid-America Accounts Control Bureau, Inc. (OK)

XX/XX/XXXX {$1300.00} I have made several attempts to call the about debt I found on my credit report in XXXX. I reached out to the original creditor and they couldnt confirm that the debt was mine. They gave the debt collectors phone number and I made several attempts to call them but the phone number was not active. 
On XX/XX/XXXX, I found another phone number to the debt collector. When they answered they began screaming at me. Telling me I had refused their services and they had made several XXXX calls to my phone number in the past 4 years. I asked them for the phone number they had been call debt collector said XXXX. I have only had this number for a couple of weeks. Then the debt collector stated/ accused me of changing my phone number in attempt to avoid collection. I have both numbers active. I never received any mail correspondence. I tried explaining I lived in a small town and my mail often got delivered to another city hours away. The debt collector was abrasive and verbally abusive. I requested to receive documentation to verify this debt as required by FDCPA. My request were denied. I was told to call the original creditor. Which I did and they were unable to locate any documentation or accounts in my name.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Moore Law Group (CA)

The Moore Law Group was notified and documentation was provided on XX/XX/year> That a settlement had been reached with XXXX and XXXX XXXX on a disputed fraudulent account. The same day the documentation was provided to The Moore Law Group. The Moore Law Group proceeded to file at XXXX XXXX XXXX. 

We are also in the process of filing against the Moore Law Group and XXXX XXXX with the XXXX XXXX.
Consumer complaint received 2021-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NJ)

I bought a XXXX XXXX XXXX  From XXXX XXXX in XXXX Nj. On XX/XX/XXXX. After purchasing it i read about 2 Warranties that im paying for, so i call both companies to cancel the warranties, 1 company XXXX  Cancels the warranty and sends a check to my lender santander usa. The other company says they cant cancel it, and that i need to contact the dealership in order to cancel it, so i do just that, on or about XX/XX/XXXX i text my salesman XXXX XXXX And he says send him a copy of one of payment payment receipts and my drivers license, i did send it to him at XXXX and he said it would be taken care of, i waited a few weeks and they still have not sent the {$900.00} plus check to Santander Use for this bogus tire and or rim warranty, when i call them they keep saying they have no idea what to do. So i went into the Dealership ( XXXX XXXX ) and talked to XXXX  the sales manager on or about XX/XX/XXXX. He brings out a paper for me to sign and tells me the check will be sent to santander in a matter of days. And here it is almost a month later and i call Santander Usa and they say the have not received anything from XXXX  XXXX. I need help because they just keep giving me the run around.
Consumer complaint received 2016-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (TX)

THIS IS A MEDICAL EXPENSE COVERED BY MY EMPLOYER HEALTH INSURANCE - MY WIFE WAS PRESSURED INTO MAKING A PAYMENT & WAS TOLD IF SHE PAID HALF NOW THEY WOULD WRITE DOWN REMAINING MEDICAL BILL - SHE PAID HALF OF WHAT THEY WERE ASKING FOR & DID STOP THIER HARASSING CALL BUT DID NOT UPDATE CREDIT REPORT. NOW AFTER 7YRS SINCE SAID XXXX IS STILL SHOWING UP ON CREDIT REPORT