davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

To Whom it may concern, I received copies of what appear to be front pages of a XXXX  XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX KS XXXX statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX since XXXX. I Moved to XXXX  in late XXXX of XXXX staying with a friend in XXXX XXXX  and moving to my own place in XXXX XXXX in which I lived until I moved to XXXXXXXX XXXX  XX/XX/XXXX for work and presently live here in XXXXXXXX XXXX  as of today. My 1st time visiting XXXX since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Designed Receivable Solutions, Inc. (CA)

Original Debtor was medical, with XXXX XXXX of XXXX XXXX. Two different collection agencies are listing the debt on my report, resulting in a double posting for the same debt. All XXXX XXXX debts were forgiven me in writing.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Collection Agency Name : XXXX XXXX XXXX XXXXXX/XX/2023 Account Number : XXXX Collection Agency : XXXX XXXX, Account Number : XXXX, In accordance with 15 USC 1692g , I, XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2019-10-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (CA)

I signed a loan/contract for home repairs with a contractor that subsequently caused damages to my property and did poor quality work in some areas.

When I filed a complaint with the finance company they were provided all the necessary details, ex. contracts, pictures of the damages etc. and a complete write-up of events.

However, they have since closed the complaint without providing me the investigation results/report or any recommendations to recoup my losses from the contractor.
Consumer complaint received 2020-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? This effort from your agency seems biased and concerted since many in our credit group have used this avenue successfully and suddenly you claim an issue. Your agency has a well-known reputation so I sought professional advice in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX  XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.
Consumer complaint received 2019-12-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

I rented vehicle from XXXX in XXXX, GA, with return to XXXX, FL ; and that was about 3 months ago, and upon returning it to XXXX offices, we went through the gasoline and in and out of the vehicle, and all was satisfactory. 
Only to find out that they claimed to have contacted me and that there was some damage in the vehicle, and sent my name to the collection agency. 
That is UNACCEPTABLE practice as they have my email address and my secondary number, which they have never used, and also why are they contacting after I returned the vehicle in good condition? when does the contract end? what if the person who damaged is their employee and happened to do that after I left? 
This is VERY UNACCEPTABLE practice, by both, XXXX XXXX XXXX and their collection agency ( Transworld Systems Inc, whom already have some scandals as per info on CFPB website ). 
Please check these companies further as this is not the way customers should be treated. Never.
Consumer complaint received 2019-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

These are the dates from Navient webpage of the hospital XXXX in XXXX XXXX CO making payments to the loan company and then you can see in XX/XX/2019 it looks paid off, they never called or left a voice mail or contacted me to let me know they sent me to collections, meanwhile online it appeared that payments were made and accepted by the loan company. I believe this to be fraud and inappropriate. If I need I have the receipts from the checks showing they were cashed as well. Earlier this month I called navient to see who paid off the loans and they said they could not help anymore because I was sent to collections. 

XX/XX/2019 PAYMENT ( {$1400.00} ) ( {$18.00} ) {$0.00} ( {$1500.00} ) XX/XX/2019 CLAIM PAYMENT ( {$65000.00} ) ( {$4000.00} ) {$0.00} ( {$69000.00} ) XX/XX/2019 PAYMENT ( {$1400.00} ) ( {$30.00} ) {$0.00} ( {$1500.00} ) XX/XX/2019 PAYMENT {$0.00} ( {$1500.00} ) {$0.00} ( {$1500.00} )
Consumer complaint received 2020-06-23
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. (MO)

I have disputed several accounts on my personal credit report with XXXX, XXXX, and TransUnion and yet Transunion, XXXX  and XXXX  are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by Transunion, XXXX, and XXXX.
Consumer complaint received 2020-06-22
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. (IL)

To Experian Escalation Department : I ( not a credit repair company ) have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I ( not a credit repair company ) am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX not mine XXXX  XXXX XXXX  XXXX never late XXXX  XXXX XXXX  XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine How is Experian able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file, please notice your internal Report Number. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CO)

XX/XX/2021, I received notice from US Bank, they would be raising my rate from 8.99 % to 13 % only on any new purchases. I called them as allways pay early more than the mininmum, often in full. They said my credit score dropped. I had sold my home to buy property and build a new home & business, currently renting, and was a ex XXXX customer, just received notice of possible id theft. I advised this is not correct, but will not charge another thing on that card remove monthly autopays ect. which I did except 1 annual auto pay. I have not charged one thing on that card since only paying off the balance. over the last 2 months US bank has been raising the interest rate on the old existing charges last bill they charged was 11.24 % this month 12.74 %. I called them spoke with the credit department adised this is theft. a small amount perdium, per numerous customers is XXXX  of XXXX. a Superviosor XXXX came on I demanded to know why a customer with a XXXX XXXX XXXX never late is being treated like a credit XXXX  per their actions was telling her about the notice last XXXX, XXXX said do you want to know why or just keep carrying on. I said why she said It's the law when the fed goes up we have to increase our interest rates. I asked then why has XXXX XXXX XXXX never done that to me if that is the law. XXXX advised I don't know, I don't work for XXXX  XXXX XXXX. This company has been nothing but a problem, when I moved and called gave them the address change, the sent one bill then nothing. I used my old statement to pay 1 week in advance. Called about my statement some how the name of XXXX XXXX was changed in their system, I had to go back over and correct that with them.
Consumer complaint received 2020-06-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (OK)

XXXX XXXX VS. RMS XXXX, TX XXXX # XXXX ON XXXX XXXX XXXX XXXX. XXXX, OK XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ON XX/XX/20 RSM RECEIVED A PACKET OF INFORMATION CONCERNING OUR LOAN. WE HAD NOTICE A ERROR ON THE SIZE OF REAL ESTATE XXXX ACRES VS, XXXX ACRES. I CONTACTED THEM ABOUT THE ERROR AND SENT TO THEIR ATTENTION A SURVEY SHOWING THE TRUE SIZE OF THE RESIDENCE. THEY SAID IN A RETURN EMAIL THAT THEY NEVER GOT THE MAILING DESPITE THE FACT THAT IT WAS SIGNED BY THERE MAIL ROOM PERSONEL. SEVERAL PHONE CALLS WERE MADE TO THEM WHICH THEY THEN REQUESTED THE " LEGAL DESCRIPTION '' ( WHICH WAS ON THE SURVEY ). THEY SEEM QUIET SHORT WITH ME & RUDE WHEN QUESTIONED AS I HAVE A BUYER FOR THE PROPERTY AND ALSO WANTED TO PAY THEM TO CLOSE THE LOAN. I WAS TOLD IN AN EMAIL IN ORDER TO GET A " PARTIAL REAL ESTATE RELEASE '' I NEEDED TO SHOW PROOF THRU A SURVEY THE SPLIT OF RESIDENCE VS. PASTURE. I SENT 2 MORE XXXX DELIVERYS TOTHEIR ATTENTION. I WAS INFORMED THAT A " XXXX '' SUPERVISOR WOULD BE CALLING BUT DID NOT.
Consumer complaint received 2020-06-23
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. (VA)

I DON`T RECOGNIZE THESE INQUIRIES, I HAVE NEVER APPLIED FOR THIS, I`M NOT RESPONSIBLE FOR THIS DEBT, WITH THESE COMPANIES, I HAVE NO AGREEMENTS OR CONTRACTS WITH MY SIGNATURE.
Consumer complaint received 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a mortgage with Bank of America that I thought I had paid on XX/XX/2020 for a payment due on XX/XX/2020. 

After further investigation, it seems that the payment did not process. Therefore, I was notified the evening of XX/XX/2020 that I had a late fee and if I did not pay my mortgage immediately I would be reported to the credit bureaus. 

Not once did I receive any communication prior to XX/XX/2020 that I had missed the mortgage payment on XX/XX/2020, nor did I receive a notice on the day that a late fee would be charged ( XX/XX/2020 ). I did, however, receive an email on XX/XX/2020 that mentioned there was a statement available. In that statement it listed the overdue fee and late charge, HOWEVER in the email there was no statement or understanding that funds were outstanding or a late fee was already being charged. 

This is misleading communication and clearly violates XXXX in that it is deceptive.
Consumer complaint received 2020-06-22
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

XX/XX/2020, XX/XX/2020, XX/XX/XXXX, XX/XX/2020, XX/XX/2020 Lakeview Loan Servicing llc Contacted me By Leaving XXXX XXXX At My Front Door, After My Repeated Request to Stop Sending  Packages to me. I am unsure if it is a Marketing Strategy or an  attempt to colllect a debt that I do Not owe. I want the XXXX Packages to STOP!!!
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX I sent Portfolio Recovery a letter asking for verification of the debt that they say I owe. No reply was ever received back from Portfolio. where is the signed contract that shows I ever had a contract with the original creditor of XXXX. It is well pass 30 days, I ask that this negative fraudulent account be deleted from my credit report ( s ). They are in violation of FDCPA
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

On XX/XX/XXXX my Bank of America card was charged {$64.00} for a XXXX XXXX XXXX controller that I did not order from XXXX. I found out about it because I received an email stating my order was on it's way. I called Bank of America and when I called, they also asked me if I had placed another order for a larger order of ( 4 ) controllers. I said no and they stopped that order. I filed a fraud charge and removed my credit card from my XXXX profile and also changed my password. 

Bank of America did give me a refund, but on XX/XX/XXXX reversed that refund. I still have the package unopened and I do not want it, did not order it and want XXXX  to pick it up. 

I have tried to call both XXXX and Bank of America several times and just get pushed around to different departments and put on hold to never get to the right person. Just today I was on hold with both companies for 1 1/2hrs.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Today, XX/XX/XXXX I called Capitalone at XXXX XXXX ( In North Carolina Eastern time ) to not only make a payment, but determine why a purchase I made last week didn't post yet and the system wasn't allowing me to pay the entire amount. I wanted to make the entire payment of XXXX which includes XXXX ( the payment that was still pending ) in addition to the account balance of {$270.00}. I was told by the customer service rep that on her end it wasn't pending but processed, approved, and posted therefore I asked why doesn't it show that on my end instead its still in pending status I guess she couldn't explain so she transferred me without my knowledge to a gentleman in which he stated the same thing she stated, but that I wouldn't see the posted status until XX/XX/XXXX and that I basically couldn't pay the pending amount since it wasn't posted on my end just their end. Still doesn't make sense to me. 

Because my lunch was over I decided that later I'll call or log online after work to make my payment. I went to pay online at XXXX XXXX and I was given a message that b/c it was after XXXX XXXX I couldn't pay for the XXXX I had to choose the date of the XXXX therefore I called Capitalone to explain to them what's going on & I was told that there's nothing that can be done by XXXX the rep as well as XXXX the Supervisor and that I will receive a late fee because it was after XXXX XXXX. I explained that I've been a long time customer, since XXXX and because I've been on time with my payments that my payment should be accepted for XX/XX/XXXX because technically the day wasn't over until XXXX XXXX and it was only 2 minutes after the XXXX XXXX  deadline based on what XXXX informed me of when I called in. They weren't open or willing to work with me at all or consider the facts or valid points just very cold nonchalant no empathy especially considering these stressful times and the fact that I called in earlier today on XX/XX/XXXX to pay my balance in full. I believe they decided not to post the {$170.00} today because they want my account to accure interest b/c why else would it post and is approved on their end but not mine??? 

Also, I added screen shots as attachments to show the system graying out the XXXX only giving me the option of the XXXX, when I called Capitalone, and an email that shows my email timestamp of XX/XX/XXXX verses the date in Capitalone 's email stating the payment will be considered for XX/XX/XXXX instead.
Consumer complaint received 2020-06-22
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. (MO)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX  {$0.00}