davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
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. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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? XXXX. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2023-03-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On or about XX/XX/2021 Portfolio Recovery Associates LLC apparently purchased my debt from XXXX  XXXX. This company has attained my personal information without my written consent which is a violation of 15 USC 1692g.
Consumer complaint received 2022-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NJ)

Destiny mastercard all of a sudden now holds your payment for 14 days when they never did this ever to me & i paid off my account in full. I spoke with 2 reps both were clearly rude 1 hung up on me when i was waiting for a supervisor & the 2nd rep says oh we hold the money now, meanwhile i have XXXX babies who are in need of things & these people are being so stupid with holding my funds that i paid on XX/XX/XXXX they told me i can use my credit on XX/XX/XXXX which is complete XXXX. meanwhile my other credit card accounts were over the limit i paid them off & was able to use my available credit in XXXX
Consumer complaint received 2020-05-05
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: 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 {$3600.00}, {$7400.00}, {$7700.00}. 
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. 

-- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TN)

I have multiple accounts with Regions Bank, and have to transfer money regularly to maintain a positive balance. However every time I manually transfer money to avoid overdraft fees, they make the transfer appear as if they did it as a courtesy, and charge a {$15.00} fee. I am constantly on the phone with a representative about these fees, and they are often refunded. 

Most recently I made a manual transfer in order to manor an ATM withdrawal in the amount of {$100.00} on XX/XX/XXXX. After the banking activity cleared, the transfer was changed to an overdraft protection transfer, and a {$15.00} fee was attached. 

I made another manual transfer on XX/XX/XXXX for a {$54.00} purchase that cleared on XX/XX/XXXX. On XX/XX/XXXX the transfer again was changed to an overdraft protection transfer, and a {$15.00} fee was assessed. 

On XX/XX/XXXX I was charged another {$15.00} overdraft protection transfer fee. I was also charged a {$36.00} NSF fee. 

The transfer activity that took place on XX/XX/XXXX would not have been necessary, if the bank did not improperly charge me on XX/XX/XXXX and XX/XX/XXXX. 

The addition of the charge on XX/XX/XXXX caused me account to go into a negative balance, and a {$36.00} fee was assessed.
Consumer complaint received 2019-05-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (GA)

The company Certegy is restricting XXXX from cashing my check, and they will not change their decision or explain in detail why. 

On XX/XX/XXXX, I tried to cash a check that was a little under {$200.00} at XXXX. The cashier told me that it was declined, and that I needed to contact Certegy. That same day I contacted Certegy and I spoke to a representative named XXXX and then to her supervisor named XXXX. They both told me that my check was declined for a combination of three reasons : amount ; check series numbers ; and/or check history. The amount was under {$200.00} dollars, so that can't be it. The check series numbers are just numbers for routing and account numbers from a very reputable company, so that can't be it. Lastly, I have cashed my payroll check from the company I work for at other check cashing places many times within the last 4 years, so that can't be it either. Both of the representatives at Certegy also mentioned that they would not be changing the decision, and that the decision was final. 

Below is additional information : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XX/XX/XXXX XXXX XXXX : XXXX, Check XXXX, Bank # XXXX XXXX, Account # : XXXX, Check Date : XX/XX/XXXX, Check # : XXXX, Reference # : XXXX XXXX Representative : XXXX, XXXX Supervisor XXXX XXXX It should be quite obvious at this point looking at the history of complaints for Certegy and the FTC successfully suing Certegy for {$3.00} XXXX dollars in XXXX that this company is corrupt from the top down, and that they do not plan on changing. They clearly do not have good intentions, and most importantly, they are picking on the poor. It is very simple ; revoke their financial license permanently and get rid of them permanently. They are not a national bank, so you do not have to keep them around or allow them to continue to operate. GET RID OF THEM!!!
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (WI)

I received a call on XX/XX/XXXX, from an unknown number. After not answering the call I proceeded to receive a voice mail recording. The recording stated " XXXX XXXX here and skip tracing a pre-legal department at XXXX XXXX '' The voice recording then gave a website to pay off the debt. I then went to the website : XXXX and there is no address listed on the site to send any debt validation letters, or cease and desist letters. After entering in some of my information I was presented with XXXX options for payment, but no information about the debt that I could verify. Shortly after and without asking I started receiving text messages to my phone number. However every time I request an address to send a debt validation letter the communication stops. I believe this to be in violation of the Fair Credit Reporting Act, as I am allowed to send a debt validation by mail and they are refusing to send an address to do so. It also appears upon further investigation that the website registers to XXXX and not the United States. I believe this to be a fraudulent collection activity, on a debt I do not know and am not able to verify.
Consumer complaint received 2020-05-05
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: HYUNDAI CAPITAL AMERICA (CA)

We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am actively in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.
Consumer complaint received 2020-05-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN HONDA FINANCE CORP (SC)

This complaint is the result of multiple violations to my rights as a consumer, and to the Fair Credit Reporting Act that American Honda Finance is committing.

I want to report that American Honda Fiance is doing the following : - Reporting different information across bureaus.

- Failing to investigate the account.

- Damages : legal spent, emotional stress.

I am demanding this company to remove the following item from my reports : AMERICAN HONDA FINANCE. Account Number XXXX Opened XX/XX/2018. 

I have a strong case. I am sure that any attorney would be willing to take this to court. I am willing to do it if Honda does not get the late payments ot the item removed from my reports.

Please send the attached documents to American Honda Finance.
Consumer complaint received 2020-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment for XXXX/XXXX for 30 days late. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-02-08
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. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NJ)

Comenity Bank/ Victoria Secret began reporting a credit card account on my consumer report in XX/XX/XXXX without my consent. They then claim that I owe them a debt of {$510.00} from this credit card account when I never agreed to a loan with them. I entered into a consumer credit transaction with Victoria secret and this transaction has already been paid for thru my open end credit plan. I sent Comenity Bank a debt validation letter on XX/XX/XXXX and they sent me a letter on XX/XX/XXXX saying that they sold my information to a third party collection company XXXX XXXX.. This is in fact identity theft and fraud. Comenity Bank violated many laws including 15 USC 1692 ( a ), 15 USC 1692c ( b ). On XX/XX/XXXX I sent them a cease and desist demand which they received on XX/XX/XXXX and on XX/XX/XXXX Victoria secret sent me an email stating that they sent me a secure message through their online portal. This is a violation of 15 USC 1692c ( c ). The reporting of this account to the consumer reporting agencies XXXX XXXX an XXXX  is a medium of communication and Comenity Bank/Victoria Secret continues to report negative damaging information to my report.
Consumer complaint received 2017-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

After many years of avoiding this debt collector, I gave in and called Portfolio Recovery Associates LLC with the intention of attempting to settle my debt THAT day ( XXXX/XXXX/2017 ). My original debt was through XXXX for a total of {$420.00}, and after speaking with several different representatives, we agreed on a settlement {$270.00}, which was paid for during the time of the call. I asked three times, for the sole purpose of confirmation, if this was actually going to close the account and I was told each time that it would. I finished off the call with a manager who gave me a Plan ID, but also told me that if I didnt want the number, Id never need it anyway, which was suspicious. I was also told that Id receive a letter stating that the debt was paid and full within a 10 days. I didnt.
The call struck me as being odd because for their recording purposes, they kept making me repeat the same answers that I very clearly already stated. In hindsight, Im now pretty positive that the recording was being manipulated.
Now I am alerted that they did not close my account and that I still owe {$150.00}. I went to Portfolio Recoverys website so I could confirm this alert and when I looked at my account, it, too, stated that I still owed XXXX.
I know they will continue to lie to me and manipulate any statement I make because thats what debt collectors do, so I refuse to trust them again and I will not attempt to handle this matter on my own again.
Its sad to know that I was better off just ignoring them. So much for trying to be responsible.
Consumer complaint received 2019-05-30
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. (GA)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX   XXXX
Consumer complaint received 2021-03-29
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: Bread Financial Holdings, Inc. (NY)

I am submitting a complaint in regards to my wayfair account that is held by commenity bank. Back in XXXX of 2020 my account was closed by the creditor due to XXXX taking them over. I never had a physical card with wayfair and no account number. I had to pay this card via wayfair 's website. Well in XXXX when they closed down the website went down as well. I contacted wayfair back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of 2020 wayfair called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor ( my request ) what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from wayfair be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.
Consumer complaint received 2020-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage sent a pay-off statement to the Escrow ( refi ). The pay-off included a late fee charge of {$150.00}. I disputed the amount and Escrow mentioned that companies " usually '' add this and reimburse at the close. The Pay off was sent to Freedom on XX/XX/XXXX. When we received our full statement from Freedom XXXX XX/XX/20 XXXX, the document did not indicate any line item to reimburse the late fee. I called Freedom twice and agents just told me that they " do not '' see any charge for the unpaid fee. I have tried asking Escrow to reach Freedom for an explanation. My ask was to receive a full line by line accounting of what was charged and reimbursed. Since we were not late in the payment- where did the {$150.00} charge end up?