davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (GA)

Hello I tried disputing Navy Federal off my XXXX report. This have been a fraudulent item reporting. It's been over 30 days and I have yet to receive any letter updates of proof that the debt belongs to me. Can you please remove this of my credit report.
Consumer complaint received 2023-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (CA)

I made a payment in XXXX which paid my account in full in XXXX I got a letter certified mail saying that I didn't make the payment and then I was in jeopardy. It cost me so much anxiety and stress and I thought I was going to lose my home because of this letter. How can I send this kind of stuff when I am in full rights of my homeownership and I made my payments how can I scare me and do this to me make me feel as if I didn't fulfill my financial responsibilities. From this letter I received caused me to reach out to my friends and family and acquaintances to borrow money to fulfill my financial obligation but the problem is I already fulfilled my financial obligation and now I look like an XXXX to all my friends everybody knows my financial situation just because this letter was sent to me. I want to speak to somebody who is responsible for sending this letter to me and for me to be able to have rectification. I believe this letter is cost me so much undo stress and anxiety causing me to call for counseling to keep my sanity when I knew I paid and was told I wasn't paying. My example of receiving this letter is like receiving a letter telling you that someone has passed away. I took this information as true because it was certified mail coming to me. It was false information sent to me and I want somebody responsible to reply to me and tell me why would they do this awful unlawful letter. Please someone respond and tell me why they are allowed to do this to me. I paid my mortgage then they said I didn't with a certified letter.
Consumer complaint received 2021-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc. (CA)

On XX/XX/XXXX, after a long illness, I pulled my credit reports and learned of a pending educational fee of {$3100.00} due to XXXX XXXX XXXX. I telephoned XXXX XXXX XXXX XXXX to confirm the pending amount. I was informed the account was referred to NCM Associates for collection. XXXX XXXX XXXX noted if Im paying the entire amount I could pay online using their bill pay system XXXX. XXXX further stated if Im trying to settle the amount then I must speak with NCM Associates, the debt collection agency. On XX/XX/XXXX, I paid the entire {$3100.00} directly to XXXX via XXXX. On XX/XX/XXXX, the amount cleared my XXXX XXXX XXXX XXXX XXXX Acct, and at XXXX XXXX XXXX XXXX confirmed the payment had cleared and that the debt collection agency, NCM were notified there is no outstanding debt. I immediately telephoned NCM shortly after to confirm XXXX balance. NCM confirm there is nothing to collect. However, NCM has continued to report status of the account erroneously, noting a balance is standing of {$3100.00}, and no payments have been made. XXXX or NCM will provide a statement or letter stating the debt is paid. Both points to the other. On XX/XX/XXXX, NCM noted I didnt make the payment to them, but to XXXX, so they will not send confirmation there is no balance, but continue to report the incorrect information to all three credit agencies when this issue is disputed. As of XX/XX/XXXX, XXXX, XXXX and XXXX have all reached out to NCM, who have confirmed a standing balance of {$3100.00}, no payments made. XXXX noted it may take 60 days to update, but XXXX account reflects XXXX balance. Im concerned because Im on XXXX and I need housing. The bad reporting of this debt is created a poor credit score, and is reporting incorrectly and I have tried every way possible. I uploaded confirmation documents to XXXX and was informed its not good enough to correct my credit report. Im reaching out to you as a last effort to request NCM to correctly report the status of this account. On XX/XX/XXXX, NCM provided reference number XXXX for the account. I called XXXX  directly with the reference information, but XXXX reports NCM confirmed a balance of {$3100.00} on XX/XX/XXXX
Consumer complaint received 2020-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (AR)

AS I TOLD XXXX THIS WAS OPEN USING MY ID AND NEVER ORDERED XXXX ALSO, STOP ROBO CALLING MY FAMILY WE NOW HAVE 17 CALLS TAPED AS WELL AS SCREEN SHOTS.FINALLY GET OFF MY CREDIT REPORTS OR SUED.
Consumer complaint received 2020-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (CA)

Dear Consumer Fin

ancial Protection Bureau, I have been a banking customer of XXXX  ( BBVA USA ) for almost a month now. After updating our business address to one in which we are able to directly pick up the mail, I requested a business address change earlier this week and submitted our Lease Agreement with it. The business address change was denied by XXXX. I got in touch with our virtual office front desk about which document is the correct Lease Agreeme nt, and they sent me a more recent one. I entered another request for a business address change along with the Lease Agreement, and once again XXXX denied the
address update.

As the old address is neither a business/office location, nor is it being used for business, I would like to make sure that XXXX  is legally compliant and accurate with all federal laws, including Know Your Customer ( KYC ) laws.

Our business address on file needs to be updated so that we can receive important documents such as our welcome kit and also our business debit card.

We have still yet to receive either of these documents. As a result, I would like to report and file a complaint for XXXX  to make sure they are legally compliant. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2020-10-09
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: DISCOVER BANK (NC)

I'VE BEEN IN CONTACT WITH XXXX XXXX  AND THEY HAVE ALL POLICE REPORT AND FTC REPORTS AND COURTS DOC AND THEY STILL WANT REMOVE THIS FRAUD ACCOUNT, BUT THEY REMOVED THE ADDRESS TO THIS ACCOUNT AS FRAUD BUT NOT THE ACCOUNT. I WILL BE FILING SUIT AGAINST XXXX XXXX BECAUSE THEY HAVE PROOF THIS ACCOUNT IS NOT MINE! I WAS IN ICU WHEN THIS TRUCK WAS PURCHASED SO HOW CAN I BE IN TWO DIFFERENT PLACES AT ONCE.
Consumer complaint received 2021-04-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

WARNING. Compliance of HIPAA LAW VIOLATIONS. Medical Revenue Service. Violated my medical confidentiality by mailing a copy of my medical treatments through the US postal service dated XX/XX/31. MRS also Sent my medical treatments electronically 4 times through cfpb attachments. These both are HIPAA violations. I will send a complaint to HIPAA. These accounts must be deleted from my credit reports immediately.
Consumer complaint received 2023-03-19
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. (NV)

I am a victim of XXXX data breach. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the accounts are still reporting.
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I have been in constant contact w/ my auto financing company. I am 30 days past due. I have 3 payments that'll be due tomorrow ( due every other week ). I have been trying for 3 weeks for them to set up a payment for tomorrow for {$470.00} that would leave a remaining balance of {$200.00} ( not even a full payment ). They are refusing to take my payment because I am unsure when I will have the remaining balance of {$200.00}. They have threatened to repo if i can not afford the vehicle. I have a whole email thread of where this manager refuses to take my payment nor will he give me his managers contact information. I do not have a phone right now and he advised i should go borrow someone's phone or go to a payphone. I have health issues and can't just go find a phone when I have been in constant email contact with them.
Consumer complaint received 2022-03-07
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. (AZ)

The problem is myEquifax is being too secure with how it handles its operation when consumers try to access my credit report and buy their products. I can't even access my information or keep my account with them current as I now have a different card. As a result, my account with them has been canceled and now they are trying to use my old card to keep my account current. This happened today. I understand from the XXXX  that there are hundreds of complaints about myEquifax regarding their business practices in the past couple of years. I'd go through them, we all need somebody with more juice to show myEquifax the error of their ways and straighten myEquifax if you know what I mean. Thank you for hearing me out. Have a good one!
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-10-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a {$1000.00}. CD account in 2002 at Bank of America XXXX California. I called customer service to check on my account and they cant find it. They said that maybe they sent a letter due to inactivity and considered the account abandon and transferred the money to the state. The guy XXXX gave me a website called ucpi.sco.ca.gov to check for my unclaimed property. I did check and my Bank of America CD account money didn't show up. I would like to file a complaint against Bank of America for losing my account. I trusted them and thought that this account would help me build interest.
Consumer complaint received 2020-10-09
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. (PA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2020-11-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/2019 approximately XXXX XXXX  I went into the dealership to assist a family member with co-signing for an auto loan. both myself and my relative had given them proof of income, driver license and other personal information. My relative didn't qualify to be on the loan due to credit challenges. The salesman then stated that I would be the sole owner and there was contract drafted I signed and we left the dealership with documents and the vehicle. On Monday, XX/XX/2019 the same salesman called me and stated that the deal didn't go through as expected and we would have to pay {$1000.00}. I was on the road returning home ( I live out of state ). I informed the salesman that I was no longer in town, my relative would have to return the vehicle to the dealership. I also asked why was a contract signed if we didn't have an approval? He then stated because the bank give the dealership a greenlight without a complete approval. 

More Importantly, sometime in XXXX of XX/XX/2019I receive an acceptance letter from Nissan Motor Corporation detailing the monthly amount and when the next payment would be due. I called the dealership to find out what was going on and no one returned my call. XXXX I then drove back out of state to talk to speak with the general manager and explained that somehow the salesman/dealership allowed my relative to sign another contract without my presence/knowledge. XX/XX/2019 The GM informed me that he will correct the situation and have the vehicle taken out of my name and into my relatives name. I never heard back from him, issue was never resolved and I called several times. I also called Nissan customer service number for them to mail a copy of the contract. The monthly amount is {$500.00} for 72 months. 

I have many dates/times of outgoing calls to both XXXX dealership/Nissan finance. 
I have also driven back and forth since XXXX until now ... I don't know what to do at this point, I'm exhausted. 
I called both the dealership and Nissan motor/finance numerous times spoken with several different representatives letting them know of the situation concerning this unauthorized sell, they gave me Nissan Motor Corporation Consumer number. I sent the consumer dept. a letter. No one has contacted me as of yet. this has been so stressful. May someone please give me some advice?
Consumer complaint received 2021-05-20
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. (LA)

Equifax and XXXX  is still continuing to report errors and inaccurate information on my credit report from the collection agency XXXX XXXX. 
Federal law requires that lenders report the original delinquency date of the account, and that collection agencies carry over that date so that any collection account can be deleted at the same time. A collection account is considered a continuation of the original debt. 
It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. The information needs to be verifiable, so if its not, it should be removed from my credit report immediately.
Consumer complaint received 2023-03-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Central Holdings, LLC (AL)

My name is XXXX XXXX. 

On XX/XX/23, I received a notification from my employer, XXXX XXXX, stating that my bank account was garnished for a debt owed to Credit Central in the amount of {$560.00}. 

My employer provided phone number XXXX Credit Central. The company is located at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. 

I have never been to this location, nor have I ever opened up any loans with them. Moreover, I have never received any notifications from this company regarding a debt that is owed. To obtain a garnishment, this company would have had to bring a case before a court in Alabama. I have never received any notification regarding a lawsuit, thus, never had a chance to defend myself against this unfair garnishment of my bank account. 

I am demanding that Credit Central provide me written proof of a loan that I've obtained from them. If not, remove this garnishment or I will consult an attorney for further advice. 

I can be reached at XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AL XXXX.
Consumer complaint received 2020-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I signed up for XXXX XXXX and had them for at least a year and when my contract ended ( 12 months ). I just let it keep going and I did not commit to another year even though they say I did. I changed my service and they then billed me for {$200.00} " Contract Broken '' fee when in fact I did fulfill my contract! They may have a tiny misleading print that if I don't call them then the contract is valid even after the year I signed up for. I have tried talking to them but they just keep repeating that it is due and now have a 3rd party collection on my reports. As you  can see from the file attached I responded to them reminding them that I had completed my contract and was on a month to month. I would never switch unless I was NOT in a contract.
Consumer complaint received 2020-10-09
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)

THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-09
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. (FL)

THERE IS A DEROGATORY ACCOUNT AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN AUTHORIZED BY ME. PLEASE CHECK INTO THIS MATTER AND HAVE IT RESOLVED AS SOON AS POSSIBLE.