davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TN)

I recently pulled my consumer reports and I seen that CBSA Collections reported a collection account for the amount of {$3400.00}. I have reached out to the company to verify the account, but it was to no avail. I am aware of my rights as a federally protected consumer pursuant to the Fair Debt Collection Practices Act. I challenge CBSA to provide the agreement between the organization and I under penalty of perjury which gives them the right to collect. I challenge CBSA to prove that they rendered any services or compensation to me, the consumer, in order for them to collect under penalty of perjury. CBSA 's failure to produce such proof is a violation to my rights under the fdcpa. I also want to bring awareness to CBSA that it is unlawful to furnish any information that would create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I challenge CBSA to prove otherwise under penalty of perjury. Otherwise, the organization shall remove all information from my consumer reports immediately. CBSA will be held liable for any violations to the consumer pursuant to the fdcpa.
Consumer complaint received 2017-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (CA)

SPREADSHEET OF STATEMENTS I CREATED OFF THE XXXX XXXX STATEMENT THROUGH XXXX XXXX STATEMENTS RECEIVED MONTHLY FROM XXXX. AFTER PAYMENTS WERE APPLIED. AFTER XXXX XXXX PAYMENT. ALL 4 LOANS TO CHANGE TO XXXX XXXX XXXX 24 MONTHS ) PAYOFF DATE XXXX XXXX. 
ATTACHED SPREADSHEET AND AMORTIZATION SPREADSHEETS. BASED ON 24 MONTH PAYOFF PLAN ON ALL 4 STUDENT LOANS.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (AR)

This complaint is concerning 1. the inadequate payoff quote of Kia Motors Finance 2. Not refunding overpayment On XXXX, I requested a payoff from Kia Motors Finance for my XXXX XXXX. The payoff amount quoted was {$39000.00}. On the same day, XXXX XXXX requested a payoff quote and received a payoff amount of XXXX. Both quotes gave 10 days for Kia to receive the payoff. XXXX XXXX mailed the payoff amount of {$39000.00} to Kia on XXXX. XXXX XXXX provided me a confirmation letter indicating the payoff was mailed. The payoff was received by Kia on XXXX and did not post until XXXX. Consequently, I made my payment of {$950.00} on XXXX because the payoff was not showing and customer service indicating it was pending. On XXXX the payoff posted, along with my payment. Both posted incorrectly. A remaining principal of {$690.00}. My regular payment of {$950.00} was applied all to interest. I called Kia on XXXX indicating that they applied payments incorrectly. The corrected the payoff from XXXX XXXX to show the car paid off. However, my payment of {$950.00} still showed that it was applied solely to interest on XXXX. I was told to give them 3-5 days for reimbursement. On XXXX I called again. I was told to wait another 7 days for reimbursement. On XXXX I called Kia again. The customer service representative ( XXXX ) indicated that Kia was sending me a reimbursement of {$65.00}. I asked her what was that for. She indicated it was for overpayment. I told her that is the incorrect amount, as I should have received my entire {$950.00} back because the payoff from XXXX XXXX was received before the 10 day off end date.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC. (CA)

I contacted Chrysler capitol in attempt to notify of my current XXXX XXXX military movement during my XXXX. I was on restricted movement traveling and had minimal access to phones and internet. I was charged late fees and my credit report was marked with a 30 day delinquency. Ive been trying to resolve this issue and am being told that there is nothing they can although the account is current.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

Hello : Our family owns a home in XXXX, NM and our loan currently has PMI. We have paid down the principal and are now at 78 % XXXX. 

PNC services our loan. After we reached out, PNC sent us a letter saying that we are required to pay them XXXX XXXX which PNC owns jointly with XXXX )  {$590.00} for a XXXX Single Family appraisal because the loan investor requires proof that the property has not declined in value. 

What we would like to confirm is whether we actually need the appraisal. Per your efforts with XXXX XXXX, we read on your site/ comments that " Servicers must end a borrower 's requirement to pay PMI when the principal balance of the mortgage reaches 78 % of the property 's original value. '' We could be missing something but since we have it in writing that we have a XXXX of 78 % this would imply that PNC is responsible for ending our requirement to pay PMI. Again, we know our understanding of the subject is elementary. 

The process of removing PMI seems unbelievably heavy on a customer. We can not even imagine how much money is drained from our economy each year as a result. What bothers us more is that banks/ servicers turn a solid profit either way by setting up a toll booth which forces borrowers to pay them/ their subsidiaries large high-margin appraisal payments. Luckily, our family can afford this ( it will be tough to stomach and actually pay but we can if we have to thankfully ). Our fear is that for many who are arriving at this step ( hopefully they are even aware ), the appraisal price tag at 78 % could be a massive barrier to removing a large needless expense from their monthly budget. 

Again, we understand we could be missing some things but if you have any guidance for us it would be very much appreciated. Please let us know if you have any questions. Thanks in advance for your time and all you do and stand for at the CFPB.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.
Consumer complaint received 2019-03-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I sent a letter to Experian and XXXX XXXX on XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. To my understanding, they are supposed to respond within 30 days, but they have not.
Consumer complaint received 2017-10-25
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. (FL)

My name is XXXX XXXX. This is a formal complaint against Equifax for refusing to remove someone else 's collection account from my credit report. The account is with XXXX XXXX XXXX and actually belongs to a woman named " XXXX XXXX ''. The account number being reported is # XXXX and the original creditor of the debt is " XXXX XXXX XXXX ''. I have never lived at these apartments nor at the related address listed on their records. Ever since this XXXX when I discovered this was on my credit report, I have been fighting tooth and nail with this XXXX woman 's collection company trying to have them send me supporting documentation to validate this is really mine. They were really hard to deal with but at long last, they recently sent me a supporting document which clearly proves this is not my account. It is a move out statement which states this debt is for " XXXX '' XXXX. My name is XXXX XXXX, I am a man, not a woman. A couple of months ago, I also filed a Consumer Financial Protection complaint directly to XXXX XXXX XXXX and they kept referring to me as " XXXX XXXX XXXX. '' I am attaching that communication as well that shows they think they are talking to a woman named XXXX, not me. Most important of all, this move out statement I am attaching is from XXXX. I was living in New York in XXXX and did not move to XXXX Florida until XXXX. My only Florida addresses that should be showing up on my credit are my XXXX, NY address and then the XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never lived at the address listed on their document.
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (SC)

I have had a cash app account for quite a while. I lost my phone and could not access my cash app with my new phone. I have called them too many times with no resolution. They asked my to verify my indentity. They even confirmed the amount in my account. They keep saying my ID verification was not correct. Meanwhile I have a new account verified with the same information
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may Concern I check My Credit and I see That Child Support Has Me Negative on my credit I have proof that its paid in full, Attached with this form will be receipt of full Payment of XXXX I Called The Child Support Enforcement Center, They told me that they would correct the Mistake .... 
well that never Happen, so I'm making this report to help me resolve this matter I only want to do right, if I paid my full balance and have proof why this is not showing on my report that this Account is paid in ful
Consumer complaint received 2017-10-25
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. (FL)

My name is XXXX XXXX. This is a formal complaint against Experian for refusing to remove someone else 's collection account from my credit report. The account is with XXXX XXXX XXXX and actually belongs to a woman named " XXXX XXXX ''. The account number being reported is # XXXX and the original creditor of the debt is " XXXX XXXX XXXX ''. I have never lived at these apartments nor at the related address listed on their records. Ever since this XXXX when I discovered this was on my credit report, I have been fighting tooth and nail with this XXXX woman 's collection company trying to have them send me supporting documentation to validate this is really mine. They were really hard to deal with but at long last, they recently sent me a supporting document which clearly proves this is not my account. It is a move out statement which states this debt is for " XXXX '' XXXX. My name is XXXX XXXX, I am a man, not a woman. A couple of months ago, I also filed a Consumer Financial Protection complaint directly to XXXX XXXX XXXX and they kept referring to me as " XXXX XXXX XXXX. '' I am attaching that communication as well that shows they think they are talking to a woman named XXXX, not me. Most important of all, this move out statement I am attaching is from XXXX. I was living in New York in XXXX and did not move to XXXX Florida until XXXX. My only Florida addresses that should be showing up on my credit are my XXXX, NY address and then the XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never lived at the address listed on their document.
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Wilber and Associates, P.C. (OH)

On XXXX/XXXX/16 I receiveda letter from Wilber & Associates, P.C. stating they were attempting to resolve a matter in an amicable fashion and that I would need to advise them immediately of insurance information or immediately send payment for insured loss. I had no idea what this was in regards to so I called the number on the paper and A man answered and was horribly rude to me. I asked for acopy of the legal claim and he said he wasnt going to waste his time sending a copy out if I wasnt going to pay it anyways, he then stated he would mark it as a refusal to pay and mvoe forward with his law firms steps. He told meto tell the person in the back of my phone call to be quiet because they were n't helping however I am not going to send a check for XXXX to someone who I dont know without an itemized info sheet on what those funds would be for. When the man hung up on me I called back 2 times to which a woman answered and said hold while I transfer your call and it was transferred two times with no answer. I called back a fourth time and finally spoke with the man I spoke to first and he very quickly said " I already told you what you owe before you can pay that over the phone and it is due by the end of the month, have a great day. '' and then hung up.
Consumer complaint received 2022-09-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

We received a modification offer but sent appeal of the payments to BoA they never responded to our request to lower the payment they Offered FHA loan counseling said the rescue act could do a second put at end of loan. BoA never responded their lawyer said we needed full amount to reinstate. FHA said no. 
I also asked for amount BoA would accept to payoff the loan the lawyer said he would get back then he quit. 
Attaching what we received had no clue to interest charged or how BoA arrived at the payment.
Consumer complaint received 2017-10-25
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Patenaude & Felix A Professional Corporation (WA)

They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in XXXX and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.
Consumer complaint received 2022-11-17
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. (SC)

Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may Concern I check My Credit and I see That Child Support Has Me Negative on my credit I have proof that its paid in full, Attached with this form will be receipt of full Payment of XXXX I Called The Child Support Enforcement Center, They told me that they would correct the Mistake .... 
well that never Happen, so I'm making this report to help me resolve this matter I only want to do right, if I paid my full balance and have proof why this is not showing on my report that this Account is paid in ful
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

I spoke to a representative on the phone around XXXX XXXX about my loan and me still being in school. After I finished my class the quarter was over and the next quarter would start in 3 months are so, I contacted the loan department and inquired about why I received a letter stating that my loan was coming up for repayment status, I was advised to send in income information and in the meantime apply for a forbearance, by the representative. I applied for the forbearance she walked me through it online. I sent in my requested documents. and waited. I was sent and email stating my forbearance was approved and no payments were due. A couple of months went by and I received my credit report and found Navient on my report reporting that I missed payments for 90 days. I immediately called in and spoke with a representative about it. I was told by that XXXX that I must have missed the deadline and that it was nothing I could do, I explained to her that there was no deadline and that I had a forbearance that I was advised to do. She said I would have to send in another forbearance and apply for an income driven payment plan also to contact the credit bureau. I 'm confused as to what I did wrong? I was giving false information that lead me to have a negative item on my credit report by an agency that said they were working with me.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when I reviewed my credit report and found late payments on the following dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called several times to Capital One to check balance knowing a promotion of 0 % interest was on the account to check expiration date and about to pay to avoid interest. A credit of {$21.00} came in and reduced the balance. The agent told me to pay to full balance even quoted the amount to pay. I rounded up to the nearest dollar and paid {$8100.00}. I was charged interest and told because I subtracted the credit which reflected a change in the amount due Im subject to the interest. WHAT! Keep in mind the agent told me to pay the balance. The agent refused to make the adjustment because they are not allowed to credit interest charges, supervisor XXXX ID XXXX said the same then told me hes the highest level authority. This is a loan shark tactic and fraudulent business practice. I want this interest charge removed from my account
Consumer complaint received 2020-05-29
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$3500.00}
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.