davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan was transferred from XXXX XXXX ( servicer for transfer XXXX XXXX ) to XXXX ( Shellpoint payment hub for XXXX ). XXXX capital never made me aware of the transfer. XXXX XXXX said they sold the loan on XX/XX/XXXX but I was not made aware until I received XXXX XX/XX/XXXX statements, XXXX from XXXX XXXX and XXXX. Not only that, I have a statement from XXXX XXXX for XX/XX/XXXX which I paid on XX/XX/XXXX for {$1500.00}. If XXXX XXXX had sold my loan on XX/XX/XXXX why did I get a statement for XXXX and XXXX. XXXX sent me letters of delinquent payment but I was not aware that my loan had been sold, the fact that I had a statement from XXXX XXXX for XXXX and XXXX. I have been in daily contact with XXXX XXXX and XXXX since XX/XX/XXXX when I discovered the issue. The inability for these two companies to process the transfer is astounding. Now it is past the 60 day protection and things still haven't been resolved.
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

As a " valued customer '', I received a letter from Bank of America suggesting I switch to the Bank of Am. Unlimited Cash Rewards card. " Make the switch and get a {$200.00} cash rewards bonus after you spend at least {$1000.00} on purchases made by XX/XX/XXXX, XXXX.Your current account number and credit line will stay the same. '' I signed up for the switch on XX/XX/XXXX Confirmed on XX/XX/XXXX balance of {$1000.00} on card. 

Called and confirmed I'd met requirements for offer on XX/XX/XXXX Told just to wait for statement credit to show on account. 

Never showed XX/XX/XXXX sent feedback electronic form with copy of marketing piece noting directions and that I followed them, Bank of Am. associate told me on phone call that I'd done everything correctly. 
SUBSEQUEST FOLLOW UP CALLS : Assoc. told me I had to wait till XX/XX/XXXX to start making purchases?? Then another phone conversation told me I made my purchases too early??? 
Same account number, purchases made before XX/XX/XXXX. 
" Switching your card has never been easier '' - NOT!!!!
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Selip & Stylianou, LLP (NY)

I would like to file a complaint with Selip & Stylianou , LLP for Using Unfair Debt collection practices. 15 U.S. Code 1692, Consumer was never properly given 5 day notice, nor a chance to communicate if a debt was disputed or paid. 2. Selip & Stylianou, has not proved or validated if they have ever had entered or have a contract with the consumer, there is no proof of original contract agreement, nor consumers signature, no proof of full account number.

Selip & Stylianou has performed Unfair Practices 15 USC 1692f Debt collectors may not harass or annoy debtors, may not threaten legal action. Selip & Stylianou has used false and deceptive, and or misleading representation or means in connection of debt. Selip & Stylianou , LLP has Disclosed my personal information with others to falsify a bad reputation of Consumer XXXX XXXX. Selip & Stylianou , LLP has used false representation of the character and or legal status. Selip & Stylianou has never entered into any agreement with XXXX XXXX. XXXX has proof of this, further more the entire 15 USC 1692 Of Unfair Debt collection practices has been performed by Selip & Stylianou/ And XXXX XXXX XXXX XXXX XXXX XXXX XXXX may have committed tax fraud.
Consumer complaint received 2022-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AZ)

On XX/XX/2022 called the attorney XXXX XXXX XXXX XXXX from Utah, collecting for LVNV Funding LLCXXXX XXXX XXXX , that had my collection account to negotiate the debt, after negotiations we agreed to the amount {$2500.00} and the took from my account a higher amount without my authorization, {$2600.00}
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I am a XXXX 100 % Service-Connected XXXX XXXX Veteran, and California resident, that has become extremely frustrated at not being able to obtain my ( 3 ) credit reports and FICO scores since XX/XX/2023. 

Attempts to call XXXX has taken endless hours of being transferred to a XXXX call center and as of today, XX/XX/2023 I still do not have access to my files. I have been transferred around the globe when speaking with XXXX and can not even speak with an executive in the USA. 

I am met with the same frustrations with Equifax and XXXX and I am tired of the long call times, outsourcing of my credit files to other countries and not being able to review my credit reports and FICO scores. 

The runaround is clearly elder abuse.
Consumer complaint received 2022-06-16
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. (GA)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2 Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

1. XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX Account, has violated my rights. 
2. XXXX XXXX XXXX XXXX XXXX has violated my rights. 
3. XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) on behalf of XXXX XXXX  XXXX XXXX has violated my rights. 
4. XXXX XXXX XXXX XXXX has violated my rights. 
5. XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, CA XXXX ), has violated my rights. 
5. XXXX XXXX  ( XXXX XXXX XXXX, XXXX, MN, XXXX ) has violated my rights. 
6. XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX XXXX has violated my rights. 

Furthermore there is an address I have never lived in that has been reported. I have never lived in address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. 

15 USC 1681 SECTION 602 A, states I have the right to privacy.

15 USC 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furninsh account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report continaing any of the following items of information, any other adverse item of information, other than recortds of convictions of crimes which antedatates the rport by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consume rreporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.
Consumer complaint received 2023-05-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (MO)

I took out a XXXX title loan in XX/XX/XXXX. I paid XXXX a month for 3 years. I became XXXX and didn't make any more payments. I never received a default letter from the company but they sent a letter last month insisting I still owe almost XXXX. On XXXX, XX/XX/XXXX, I went the store and they drug my car out of my parking spot. I called the police to file a stolen vehicle report, not knowing it was titlemax. My purse and all my ID was in the car, cash, a disabilty check, my medical info. all in the car. I have XXXX  XXXX XXXX  XXXX XXXX and will be missing my treatments and they have my phone. They never called me or came to my house to try to tell me they were going to repo my car. I'm beyond devasted and don't know what do.They left me stranded at the store and I can't walk very far. I did get a ride. I need help because I need to go to XXXX and can't afford to buy a car. They got so much money out of me and now my life is being played with. If anyone can help me, I would greatly apperciate it. I know I never should have dealt with them in the first place but I was desperate. I am on disabilty and my life depends on my car. They said they are going to auction it off XX/XX/XXXX XXXX
Consumer complaint received 2022-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (NV)

They constantly hounding me over debt of ( {$900.00} ) thats not mine. They will not leave me alone and deleted debt I Told them they are in violation of 15 USC 1681i. They said they didnt care they was hired to do so
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXl XXXX # XXXX XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX XXXX # 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
Consumer complaint received 2022-06-16
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. (NY)

In accordance with the Fair Credit Reporting act 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 Department XXXX XXXX # XXXX XXXX Department XXXX XXXX # XXXX XXXX XXXX # 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
Consumer complaint received 2022-06-16
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX, Account # XXXX, account # 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.
Consumer complaint received 2022-06-16
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. (AL)

The credit reporting agencies are not in compliance with FCRA rules when investigating disputes. I am requesting a thorough investigation in a timely manner.
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Affirm Holdings, Inc (MD)

I never received the product that I financed and after two months of paying I stopped sending payments. Have on multiple occasions tried contacting the lender and the distributor about my problem and have received no help they have denied my claims and sent me into debt without any proof that I even had the product. I have tried disputing the debt and they then sold my debt off to a collection agency which has affected my credit score and stopped me from being able to have a clean record due to a derogatory payment being on file. I cant clean up my credit score if this is never removed as I have no plans on paying for services I never received. Would not recommend using this company for any loans!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harvard Collections, LLC (IL)

Subject : Complaint Against Unlicensed Collection Reporting Dear Sir/Madam, I am writing to file a formal complaint against Harvard Collection Services , LLC Acct XXXX XXXXnumber regarding their unauthorized collection activities and inaccurate reporting on my credit report. As per my investigation, Harvard Collection Services , LLC does not possess a valid license to conduct debt collection operations within IL, thus violating federal regulations outlined in 12 CFR 1006.34 ( b ) ( 5 ). 

Despite not having the requisite licensure and bonding to operate as a debt collection agency in IL, Harvard Collection Services , LLC has been reporting debt collection activities related to my account on my credit report. This action not only infringes upon state regulations but also violates my rights under federal law. 

Furthermore, I have not received any formal notices, either via mail or electronically, updating me on this matter. As a consumer, I am entitled to receive proper notification regarding any debt collection activities, as stipulated by the Fair Debt Collection Practices Act ( FDCPA ). 

In light of the aforementioned violations, I am requesting the following actions to be taken : Validation that proper notice was sent to me, as required by law, regarding the collection activities undertaken by Harvard Collection Services , LLC. 
Furnishing of evidence demonstrating that Harvard Collection Services , LLC holds the necessary license and bonding to engage in debt collection activities within IL. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Harvard Collection Services , LLC for their unlawful practices. Additionally, I request that you keep me informed of any developments regarding this complaint. 

Please find enclosed copies of relevant documents supporting my claim for your reference. 

Thank you for your attention to this matter. 

Sincerely, XXXX. XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (TX)

XXXX/OPPLOANS is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX/OPPLOANS ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX/OPPLOANS ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX/OPPLOANS can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX/OPPLOANS for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX/OPPLOANS is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX/OPPLOANS has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXXOPPLOANS terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of XXXX/OPPLOANS nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

During the time starting at XX/XX/2020 my name was used to open a fraud account with XXXX XXXX. On my XXXX report I saw addresses based in Texas that were supposedly linked to me as places of previous residence. I have never live in Texas nor ever had an XXXX XXXX account! The racked up charges of approx {$740.00}. 

I have had multiple activity appear on my credit report as a result of this fraud. I need help please. I have contacted XXXX XXXX and I am in the process of faxing them a fraud packet along with a Police statement. 

My residence has always resided here in NJ. I will include utility bill to showcase just that.
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (TN)

This complaint is in regards to MEDICAL DATA SYSTEMS. I am aware that this is a debt collections company I have received multiple phone calls from different numbers in regards to the collect of an alleged debt. This company has been Harassing me in violating my federal protections rights under the FDCPA. They have been causing emotional distress mental anguish as they have been calling me while I was at work constantly. I was unaware of the alleged debt they place on my consumer report. I did not have the opportunity to dispute the alleged debt, in it was furnished on my credit reports. As a result my character in reputation are being damaged per, 15 USC 1692D ( 1 ). This is a violation. I have both been harassed in my reputation has been damaged. If in fact you believe you gave me proper notice, than please send me the certificates receipt with my legal name and signature. This debt collection company is liable to me under 15 USC 1692K civil liability.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OLIPHANT FINANCIAL, LLC (FL)

An Oliphant representative called me and started requesting personal and confidential information from me but would not reveal the purpose of the call. I suggested that they contact my attorney, but he insisted on trying to get personal and confidential information from me. Because I would not give them me any information, the caller began threatening.
Consumer complaint received 2021-03-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My loan was paid off from the car dealership. I paid the balance in full. Months later I received a bill for more payments. Now they have charged this off on my credit report. I told them it was paid off and they show it paid off. Please help no one cares at this company.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I do not recognize the following accounts listed on this affidavit/letter. Please send me a copy of the documents, which should bear my wet ink signature, that were used to establish these accounts or delete them. I believe that I was a part of Equifax data breech, and XXXX XXXX 's data breech. 

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
Consumer complaint received 2022-06-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I wish to refer to a loan with that is been serviced by Community Loan servicing. Their loan # is XXXX. Property address : XXXX XXXX XXXX, XXXX, MD. XXXX. 

The property was sold on XX/XX/2022 at a foreclosure action with settlement within 60days. 
I believe that the property have now settled for more than what was outstanding on it. 
All attempt to get Community loan servicing to be transparent with the transaction and provide details of the transaction has so far failed. We know that there are credit accrued to us even after deduction all their frivolous charges. 

But Community Loan servicing refused to provide detail and will not give us the balance due to us. The further mucky the water on this transaction, it appears the loan may have been transfer to another servicing company between the time it was sold at auction and before it is finally settled. No further information is provided to us. 

Kindly prevail on Community Loan Servicing and the new servicing company to be transparent and remit the balance due to us without further delay. 

We want to thank you for your time and cooperation on this matter. 

Sincerely, XXXX & XXXX XXXX