davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (IL)

To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX   XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX   account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX  XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am  requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois. 

Your immediate response will be greatly appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2016-02-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: DISCOVER BANK (CA)

Discover student loans has been consistently harassing me and my co-signer about payment on a loan that they have been unable to provide proof that they own. I have asked for the original promissory note multiple times and have never received it. I would like to discontinue paying this loan until I see proof that it is owned by Discover. They continue to harass my co-signer and I about payments.
Consumer complaint received 2022-03-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MT)

I took out a new home mortgage with XXXX out of Connecticut on a home I own In XXXX 18 months ago. I was soon thereafter sold to a second company, XXXX out of XXXX, North Carolina. 3 months ago XXXX sold the loan to Fifth Third bank out of XXXX. I attempted to refinance the loan with Fifth Third but they tell me they aren't able to do that because they are not licensed in Connecticut. For me to do that, I will have to find a different company in Connecticut. This will entail significant time and expense to me. 
My complaint is the buying or selling to an unlicensed company that is not able to fully service the loan adding to my expenses. I have tried contacting the loan department at Fifth Third but get only an apology, no resolution. Perhaps the commplaint is against all 3 companies. Advice? 
Thank you, XXXX XXXX property address XXXX XXXX XXXXXXXX, CT XXXX my residential address XXXX XXXX XXXX, XXXX, Montana
Consumer complaint received 2020-12-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. They have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX violated my rights under 15 U.S. Code 1666b which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I also never received a late payment letter from XXXX XXXX in the mail informing me ( the consumer ) that my account was late according to section 1637 ( b ). Therefore, please update the payment status on my report for XX/XX/XXXX to On Time as this account is at a XXXX balance. 

Thanks
Consumer complaint received 2022-02-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BMW Financial Services NA, LLC (MI)

Today at XXXX a tow truck guy pulled up on my property hooked the back of my vehicle up and attempted to tow my vehicle. I told him that it was illegal and that I will not allow his company to seize my property. This is a violation under 15 USC 1692e it states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Last year on XX/XX/2021 I mailed BMW FINANCIAL SERVICES a Cease & Desist letter, Invoice, Affidavit, and Letter Of Validation. Pursuant to 15 USC 1692g BMW FINANCIAL SERVICES did not follow the XXXX directions with in this federal law. Which is a failure and holds them civically liable under 15 USC 1692k to pay me in {$1000.00} in damages. Also another {$1000.00} for breaking the 15 USC 1692e law in attempt to collect an alleged debt by ceasing my property. BMW FINANCIAL SERVICES has been in violation of multiple FDCPA laws and I reached out to them to solve the damages by seeking remedy. BMW FINANCIAL SERVICES individual actions shows there persistence of noncompliance as a debt collector, and the nature of such noncompliance, and the extent to which such noncompliance is showing that there individual actions are intentional.
Consumer complaint received 2015-12-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stuart-Lippman and Associates, Inc (CA)

I told the debt collector that I do not own this debt and it is up to their client to prove I owe the debt. I never did business with XXXX XXXX and never had an accident with XXXX of their insureds.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

On XX/XX/2022, I received a telephone call from ( XXXX ) XXXX a XXXX XXXX they were law enforcement and I needed an attorney to immediately call them back or there would be a warrant issued for my arrest. She said her direct line is ( XXXX ) XXXX. They refused to give me their business name. They said it was in reference to HSBC. I have never received anything in writing from anyone about HSBC. I asked for them to send me proof of anything they had and I gave them my address. They refused to give me their address or fax number or email. They used threatening and profane language and are NOT complying with federal law pertaining to the Fair Debt Collection Practices Act. 

Within 5 minutes of hanging up my son, XXXX called me and said they had called him saying they were sending the police after me unless he paid them over the telephone. 

Within 10 minutes of that call my elderly sick mother, XXXX received a call from them demanding that she send them over {$3000.00} or I would be " XXXX XXXX XXXX  ''. The telephone number they called her from is ( XXXX ) XXXX but again said it was HSBC. 

I see online that others have been abused by this " company ''. Please call them and make this stop and please ensure that my rights, and those of others, are enforced and that this company is made to comply with Federal Law. 

I am XXXX battling XXXX and I don't need to be abused by this " company ''.
Consumer complaint received 2021-03-24
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. (OH)

I am exhausted from TransUnion blatant disregard for my cosumer rights. Violation after violation has been committed under the Fair Credit Reporting Act. The Act clearly states credit reporting companies has 30 days to complete dispute or the item in question is removed due to its unverifiable status. I will not stand for this anymore! TranUnion needs to remove the following items from my credit report. The items are submitted with this complaint. Failure to comply will result in a civil lawsuit againgst TranUnion. TranUnion clocks starts now. They have 10 days to remove the items or the whole corporation will be hearing from my lawyer The Law is clear!

I have ask for pertinent information in their dispute results which is verifired as accurate but I have not gotten any infromation. These two current dipustes have been over 30 days. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX inquiry XX/XX/2019
Consumer complaint received 2021-03-29
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 ()

Hi So this is about the US based company XXXX. I have been a XXXX customer for years and I never faced any issue with them as I work with all possible honesty. I hardly face disputes as I never take money for something l dont deserve and my clients are happy with me. 

One fine day XXXX says you no longer can use paypal and we are closing your account permanently. Money is stuck in there too. It is a pandemic time and even the slightest amount makes a difference to us. 

Money is not the problem. The problem is firsr paypal made us dependent on them and now when we have no other medium of receiving payments they have closed the account. 

The company acts like a bully as it is not ready or available to explain the reason of shutting down. There is no reason to shut it down as I have been using it with all honesty and all my customers love my work. 

I have always believed that honesty never ever put us down and honestly is rewarded across borders. My XXXX knows that I have been honest in my work and every XXXX I have earned denotes my hardwork and paypal has to understand this and not shut down on us like this. 

You have to check how they are behaving with the customers as there is no way to contact them at all. 

If there is XXXX in real and I have done good deeds in life then justice will prevail. 

XXXX account email : XXXX Regards XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I sent a Validation Of Debt letter to XXXX XXXX XXXX XXXX via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, XXXX XXXX XXXX XXXX has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report to the credit bureaus & the bureaus, having been notified of this violation, are continuing to allow this non validated information to be reported. This is a violation of my rights per FCRA & FDCPA.
Consumer complaint received 2016-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (AZ)

My daughter is still in school and does not have to make any payments on her student loan for 2 years. Since she had an awesome semester, I wanted to make a {$2000.00} principal only payment on her highest-interest loan balance. Great Lakes would not process this without first applying {$550.00} to her interest owed. This is not right at all. My daughter does not have to pay a single penny of principal or interest on this loan and Great Lakes should have a process to allow for principal-only payments just like any other type of loan. Student Loans should not have a 120 day limit on principal only pay backs. This is deceptive and misleading. I am not saying that she should n't pay the interest she owes, at the time it is due. But what I am saying is that I should be able to make occasional one-time principal only payments if I choose and that the lender should have a mechanism to processes these types of payments.
Consumer complaint received 2020-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (NJ)

I contacted both AMERICOLLECT and XXXX to verified this account. Both companies AMERICOLLECT/XXXX came back an stated that account had been VERIFIED but won't send me the information requeted by me. I asked to please provide me Name and Addresses of Medical providers, dates and type of services, to whom the service was provided, Oriiginal contract with my signature, and if information is collect i woulded off like the name of the person providing the data and the manner in which it was provided. I contacted XXXX and they said they don't provide such information. I also contacted AMERICOLLECT to please provide me with verification of the account and also i didn't get anything from them
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (IN)

This American Express credit card account erroneously shows up on my credit file as charged off for {$4300.00} in XX/XX/2015  even though I never opened this account and it is not mine.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NC)

On XX/XX/2021 I receive an item of mail from Chime Bank. In it, there was a debit card for a newly opened bank account. I am not currently a member of Chime Bank, have never had an account with Chime Bank, nor do I wish to ever have an account with Chime Bank. I have contacted Chime Bank a number of times ( still have all the emails ) reporting the account as fraudulent and asking them to close the account. They are continuing to request a picture of a photo ID and the last 4 of my SSN. I know the information they have that is accurate on the account is my name and address since the debit card was mailed to me, but am not aware of any other information 's accuracy and I do not wish to provide them any more accurate information.

I have file a police report since 2 other banks had account opened in my name that I did not open. I called them to report as fraudulent and they investigated and closed the accounts. Chime does not have a phone number for a fraud department so they want me to email those items to them. I instead emailed the police report and apparently that is not acceptable. 

Now on Tuesday XX/XX/2021 a check from Chime Bank was mailed to me for {$87.00} that I refuse to cash because that's not my money and illegal in my mind. I don't understand why it is so difficult to have this account closed.
Consumer complaint received 2016-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

I have been trying to make payments for my student loans under the XXXX program. However, every time I make any change to my account, I am given bad or incorrect information regarding how to make payments, when payments will be made, how long changes to my plan status will take to be changed, etc. Each of these delays costs me XXXX of dollars in payments and interests and delays the time in which I will be finished with my payments. FedLoan Servicing has been terrible regarding the information that they give me, which is extremely inconsistent between customer service representatives and has caused errors in my payments and processing.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-01-27
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. (IN)

I disputed several inaccurate accounts with XXXX, XXXX  and Transunion that are listed on my credit report ; XXXX/XXXX  - Account was closed and charged off, but there is a balance of {$7700.00}. Balance should be {$0.00}. Also, there are late payments reporting from XXXX-XXXX. How can late payments keep reporting to my credit report when they don't even own this account anymore? 

XXXX XXXX - Account was also closed and charged off, but there is a balance of {$5400.00}. There is a balance, past due amount and also late payments reporting to this account from XXXX! I have no made a payment to this account since XXXX. The creditor has re-aged this account and XXXX  & XXXX  repeatedly says this account is verified and accurate! 
( Transunion did delete this account ) XXXX  XXXX XXXX  XXXX  - Account was closed and charged off, but there are late payments reporting. There is also a monthly payment amount of {$620.00} on a closed/charged off account with a balance of {$0.00}. This doesn't make sense but XXXX of course says again it is accurate and " verified. '' XXXX   XXXX  - Collection account has not been properly verified. This collection was deleted and re-inserted. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? 

XXXX XXXX XXXX - Collection account has not been properly verified. Also is listing a past due amount and late payments. How can you have a past due amount and late payments on a collection account? I have disputed this account several times as well, it has never been verified or properly notated with a notice of dispute! 

I have disputed the above accounts with XXXX, Transunion & XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all sent certified mail but they have failed to do a proper investigation to delete this inaccurate information from my credit reports!
Consumer complaint received 2016-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (FL)

With this school the lies started at my first meeting with school representative. I am now XXXX and had taken early retirement I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I had been looking for work but my age presented a problem. So I thought if I could obtain some It training I would be more job worthy. I applied at XXXX. I wanted to take XXXX but they said that class was no longer available. XXXX things that were deceptive. I was told cost for class was {$9000.00} which I assumed was a year. But it was per semester. also they always filed the student loans for you all I got was confirmation that the loan was approved. When that money was not enough the school would allow you to take out a loan with them. But this loan had to be paid back immediately where as the Fed Loan gave you 6 months after graduation to begin payments. But they never told me that because I assumed all the loans would be handled the same way the school loan went into collections. I have since paid it off. I personally asked the professor in assembly if the school was accredited he said that it was. I learn now that 's not the case. I really feel bad for the Vets alot of them when there to get their " paper '' saying they have an XXXX degree. I was contacted by a representative of XXXX XXXX XXXX XXXX. stating they could have my remaining debt of {$13000.00} completely eliminated and get the {$10000.00} I have paid into my student loans returned for the small fee of {$990.00}. Is this leget? Been scammed once dont want to go through that again.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On or about XX/XX/2022, Bank of America closed my small business checking account. The bank did not provide a reason as to why it closed this account. 

On XX/XX/2022, a client of mine paid an outstanding invoice via XXXX to the account, which had been closed a few weeks earlier. Bank of America accepted these funds, but has never given them to me. The funds did not return to my client. 

Bank of America has my money and despite many hours spent on the phone, is unable to tell me what happened or where my money is.