davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PALM BEACH CREDIT AD Opened XXXX {$150.00} ________________________________________ PALM BEACH CREDIT AD Opened XXXX {$500.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PALM BEACH CREDIT AD Opened XXXX {$150.00} ________________________________________ PALM BEACH CREDIT AD Opened XXXX {$500.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-01-05
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. (NJ)

A XXXX card was opened in my name in XXXX without my permission.The card was eventually closed and charged off due to my identity theft affidavit. 4 years later they are still showing inaccurate information. According to Transunion, the account was charged off in XXXX of XXXX. XXXX shows that that card was charged off in XXXX of XXXX. Upon receiving requested statements, I noticed that they still have the account open after an alleged charge off. After the charge-off, XXXX is now showing that I have been allegedly making payment after the charge off and the account was re-opened. I have attached a copy of the statements from XXXX starting from XXXX showing that a payment was made in XXXX of XXXX when on Transunion it says the account was charged off XXXX of that same year. Each of the XXXX Credit reporting agencies listed are reporting completely different information which are both inaccurate. This has hindered me in many ways moving forward in my life due to this irresponsible reporting. I am looking to move forward without this hinderance.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (CT)

Hi, I applied for a Jet Blue credit card with Barclay and was declined because my federal student loans currently have no monthly payment on my credit report since the Federal government paused payments during COVID. Since my federal student loans are reporting on my credit report with a $ 0 monthly payment, Barclay is making up a number based on my federal student loan balance which is an incorrect monthly payment. I've asked Barclay if I could send them the paper work from my federal student loan servicer so they can see my actual monthly payment with be {$810.00} a month because I'm on IBR. Barclay will not allow me to send any paper work and will only work off my credit report with the $ 0 monthly payment and they then make up the monthly payment based on a calculation. My only option at this point is to now wait until the federal payment pause is lifted and my federal student loan servicer starts reporting my real monthly payment again of {$810.00}. So in short, Barclay 's policy is discriminatory towards borrowers with federal student loans on a payment pause. Which goes against the purpose of the payment pause. Basically, because of the payment pause I'm being declined. As soon as the payment pause stops, I will be approved because Barclay will then use my real monthly payment based on the credit report. This is extremely unfair treatment. I can't understand why Barclay won't allow someone to prove their real payment and only make up a payment based on loan balance. I've worked in lending for almost 20 years and if the payment on the credit report is reporting as {$0.00}, the lender should allow the applicant a chance to prove the real payment. Even more so now because an applicant shouldn't be penalized because of the federal payment freeze on student loans. Who know how many other applicants with student loans have been harmed by Barclays policy. 
Thanks!
Consumer complaint received 2022-01-14
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: MicroBilt / PRBC (formerly CL Verify) (LA)

I've sent documents requesting my report and a security freeze. I have yet to get what I've requested. I look forward to receiving the proper documents I've requested as a consumer.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

welcome I contacted you for the second time about Paypal. My account has been permanently closed, although I have all the documents that prove my ownership of the account and the invoices of buyers, and the money will not be sent to me because of the final closure in this account. You are the only one who can defend our rights now I only want my money to pay my suppliers. 
I was informed today by a message that my account has been partially recovered and I just need some additional information in my account but when I contact them the answer is that my account has been permanently suspended. I sent you a picture to prove it below. 
thanks
Consumer complaint received 2021-08-20
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: Experian Information Solutions Inc. (FL)

XXXX XXXX continues to brush off my complaint saying they responded and there is no new information. The key is I did not reply to their first responses due to being locked out on here. I even complaint to XXXX XXXX XXXX and that is their defense. My credit reports are wrong. They have me reported in 2 different months for yr over 30 days 2020 claim which is appearing to look like 60 days. And late 2020 the 60 days late is incorrect on all they reported it from XXXX to XXXX which looks to creditors that Im over 150 days. 

XXXX admit that I tried to call to make my payment on the XXXX day 6 times but their system kept timing me out! That is what happened to me. Transferring me to a rep but they were closed. I made a complaint on XXXX road side assistance now who caused the delay of me paying it on time due to them not covering my tow expenses and taking over 2 months to refund me. Both companies are avoiding the responsibility to fix it. I have provided my credit report and after 2 complaints here they ignore to change it and its reported wrong on all months on different reports. I dont understand why they wont take it off and they fight against me. Im buying a new bmw my lease is up and I am not going to use their financing. Fix my report this is NEW information and stop avoiding my claims, I will not stop Im going to speak to an attorney next. Have someone else look at my claim a supervisor You feel you can just put whatever you feel knowing its wrong. I was not 30 days late. I called the XXXX day your phone system you confirmed this and know I called to pay. This is new information stop avoiding my claim. I did not get to respond to your reply! This is my reply to your XX/XX/XXXX response.
Consumer complaint received 2021-09-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (GA)

Problem started First week of XX/XX/XXXX, after 100 % XXXX sought escrow to be reduced because of property tax reduction that would decrease our monthly payment over {$130.00} or more and as I contacted the mortgage company and asked what they needed and sent in the awards letter and the new tax estimate directly from the property tax commissioners office with his name and telephone number on the paper ( I submitted 4 times to an XXXX that identified herself as in the escrow DepXXXX of the mortgage company.. The Company on several occasions even spoke to a 3rd party including me on the call From a XXXX XXXX  company verifying if I had a mortgage with this company and they said on several occasions our loan number was not with them ; however, we have never missed a payment or had a late payment in any mortgage history. We have been canceled by 2 reputable mortgage companies because this company placed us unknowingly on a forbearanceXXXX XXXX XXXXXXXX situation that was explained to us by another mortgage company that we were blocked from securing refinancing because of this major decision made by the mortgage lender without our knowledge and consent the lady XXXX called me on XX/XX/XXXX and said everything had been corrected and our records were clean and I requested a letter stating this because we need PROOF that we never asked to be put on forbearanceXXXX XXXX as this s has caused us major intentional delay and excess spending because of this company not honest and willing to correct and release accurate information on our account.. they have been collecting our money including the call on XX/XX/XXXX and paid on the phone with a confirmation given to be called again by XXXX on XX/XX/XXXX saying payment didnt go through and I told her this is out of order and I will not be penalized for her mistake and checked with my bank from another line and they said that amount was not taken she promised that since it was their fault about the transaction there would be no late charge.mind you as I had received the XXXX statement prior to call and checked my email XX/XX/XXXX and the Company has issued another statement with a {$30.00} late fee! PLEASE HELP US RESOLVE THIS AS WE FEEL THAT THE MORTGAGE COMPANY SHOULD REIMBURSE US ALL THE EXTRA MONIES WE PAID ON OUR MORTGAGE AT THE HIGHER INTEREST BECAUSE THEY INTENTIONALLY DID THIS TO US BECAUSE THEY KNOW WE HAVE NEVER MISSED A PAYMENT AND WANTED TO REFINANCE WITH ANOTHER COMPANYTHE MONTHLY REFUND SHOULD BE GIVEN FROM XX/XX/XXXX THROUGH PRESENT
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mortgage Research Center, LLC (CA)

Hello, I did not authorize veterans United to check my credit report. I was inputting my information to fill in the blanks online to create a account and my credit score along with my wifes credit score were checked without us signing or authorizing for our credit to be checked. Please remove this inquiry from my credit report. Todays date that it occurred was on XX/XX/2021
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was a victim of a scammer in a dating site. This person pretended to be a Navy Officer is stress to come home without funds. I did my research and found the person to have the same bank account as I did. I found the original scammer phone number, XXXX, and address. I had reported the scammer to my bank asking for help and to find a way to get my money back, but my bank basically laughed at me and told me it was a lesson learned.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$160.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-09-17
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)

This is a complaint against timeshare XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I requested a wire transfer from my account at XXXX to a recipient at Bank of America. The recipient is an investment fund to which I've wired money numerous times previously. 

I requested the wire transfer on XX/XX/2021 from XXXX. On XX/XX/XXXX, Bank of America made some sort of XXXX related request from XXXX. XXXX complied on XX/XX/XXXX. On XX/XX/XXXX, I received an email from the recipient saying that they hadn't received the money. So, in the two weeks between requesting the wire ( which cost me {$25.00} ) no one from either institution contacted me to tell me that normally-almost-instant wire transfer was delayed. 

On XX/XX/XXXX, I confirmed with XXXX that the money had been transferred to Bank of America two weeks earlier. On the same day, I called Bank of America to follow-up on where my money was. Never mind that there's no easy to contact anyone to follow up ( after all, I don't have a bank of america account and their customer service lines require that you enter a bank account number, which obviously, I didn't have ). Eventually, I called someone through their investor relations line, who routed me to someone who could assist. That person said that the money had been released. 

I believe that Bank of America only released the funds once I contacted them to complain and not before. Holding funds for a wire transfer for two weeks is unacceptable. And it is unacceptable when there is zero communication about what happened. 

Given the claims of this being an XXXX issue and Bank of America 's prior discriminatory treatment of XXXX  ( including closing down bank accounts ), I believe that I was targeted on the basis of religion and ethnic background ( having an XXXX  name ). Bank of America, of course, will claim that they do not discriminate based on religion or ethnicity. Of course, when XXXX names are used for the XXXX screening, then those names serve as a proxy for religious and ethnic discrimination that has a direct and disparate impact on XXXX.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

There is an extra {$40000.00} on my payoff. I have provided them with documentation that this was to be forgiven if I made 12 on time payments. I have disputed this for a month and it is holding up my the sell of my house.
Consumer complaint received 2024-11-14
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: TRUIST FINANCIAL CORPORATION (MD)

I disputed the accuracy of the account and around XX/XX/year> you certified to XXXX the information was accurate. I believe you failed to conduct a reasonable investigation and for that reason i am requesting the following information. 
Retail Installment Sales Contract/ Lease Agreement/ Auto Loan Contract Include any Arbitration Provisions Complete Accounting and Payment History Notice of Sale/ Notice of Default w/ proof of mailing Explanation of Calculation of Surplus or Deficiency w/ proof of mailing Notice to redeem personal property w/ proof of mailing Details regarding whether the sale was public or private Please provide proof {$8500.00} was written off. Please provide charge off disclosure and date it was charged off, provide documentary evidence of how the account is now {$9200.00} past due. 
Although i was only a co signer at the time i am requesting all accounting records and documentary evidence. I believe the account is reported inaccurately because the account by commercial standards was a credit sale and no money was loaned to me or on my behalf. Please also provide all assignments and transfers. To my knowledge it is unlawful to use the property as collateral for a receivable. To my knowledge the security interest secured all that was owed. I believe you are engaging in unfair and deceptive trade practices. I didnt apply for a loan from you and you gave me and the buyer cash for the car. This was a consumer credit transaction derived from a CREDIT SALE. Please be aware that you have a fiduciary duty to perform and your failure to perform constitutes negligence and a restraint on trade. I entrust that you will conduct a reasonable investigation into the inaccurate, incomplete, and unveried information.
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NIC, Inc. (TX)

I received a copy of my credit reports and it reflected a collection account from Nemo 's Collections. I sent them a certified letter # XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 and it was returned to me with the following yellow tag - " Return to Sender - refused, unable to forward ''. I mailed the letter to the address that was notated on the credit report, I also confirmed this address on their website as well. I have attached supporting documentation for your review. 

I am requesting validation that this debt belongs to me. If they can not provide documentation to support that this is in fact a debt that I owe, I am requesting that this collection account be deleted ASAP.