davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2024 Dear CFPB, Subject : Request for Correction of Inaccurate Late Payment Reporting on Account I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX with XXXX XXXX. Despite multiple requests for correction ( letters dated XX/XX/2024 and XX/XX/2024 ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting. 
Summary of Errors on Account 30-Day Late Payment : Incorrectly reported as XXXX days late in XXXX, despite my consistent on-time payment history. 
Account Status and Remarks : The account status is incorrectly listed as Closed, with remarks indicating the account was late, which inaccurately reflects my payment history and account standing. 
Dispute Status : Incorrectly listed as " Account not disputed, '' despite my previous attempts to rectify this issue through disputes on XX/XX/2024 and XX/XX/2024. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within 30 days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Cease and Desist Notice for Account # XXXX To Whom It May Concern, I am writing to formally demand that LVNV Funding LLC cease all communication with me regarding the alleged debt associated with the account referenced above, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that a debt collector stop contacting me, and I am exercising that right. 

Please note that any further communication regarding this matter, aside from a written confirmation of your compliance with this request or notification of any specific legal action you may choose to pursue, will be considered a violation of the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to receiving your written acknowledgment that you have ceased all communications with me regarding this account.
Consumer complaint received 2023-01-19
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Wilber and Associates, P.C. (FL)

I have never put the address of my girlfriend in ANY website or something. I have never received letters on that address. Today, my GIRLFRIEND received a letter in HER UNCLE HOUSE. Even though I have never put something there. Are they following me? I do not even know her address or put neither on my XXXX account. How they did it? The company is wilber and associates. I feel followed and harrased.
Consumer complaint received 2016-12-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Integrity Solution Services, Inc. (GA)

My private student loans have a balance of {$130.00}, XXXX. I attended school at a for profit college, XXXX ( XXXX ) in XXXX, GA. I was not aware of the paperwork I was signing as a young adult and I was lead to believe I was signing federal student loans and my loans would n't exceed a certain amount. I did not graduate with a degree in medicine or law so the amount is ridiculous for someone in my field. The lending practices of XXXX in conjunction with the private loan company are wrong and misleading to students.
Consumer complaint received 2023-01-19
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. (GA)

I sent a letter to all 3 credit agencies XXXX XXXX asking them to provide the date of delinquency for an old XXXX XXXX account. I asked them to provide this information because XXXX XXXX XXXX is showing a recent delinquency ( {$3400.00} ) for that same account in XXXX. In essence, they have re-aged the debt which is illegal. 

XXXX provided a date of first delinquency in XXXX. The account was opened in XXXX. However, they are still allowing the Collection Agency to reflect a more current date. Experian and XXXX did not provide me with the first date of delinquency, rather they are just reflecting the incorrect date from XXXX XXXX XXXX. XXXX XXXX XXXX has not responded to my inquiries. 

Essentially, re-aging an account means that a debt states differently than the original date of the first debt. If there is a different date ( meaning it has been changed ) it is an illegal practice of re-aging. Re-aging is illegal under the FCRA ( Fair Credit Reporting Act ). 
I want this re-aged debt entry removed from my credit reports.
Consumer complaint received 2016-11-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (CA)

On XXXX I received alerts from both XXXX XXXX and XXXX XXXX that new items were on my credit report. Midwest Recovery Systems reported that I have a collection account on my reports. I do not have any collections, I pay all of my bills on time. I have never received any dunning letter from this company whatsoever.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NC)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : SOUTHWEST CREDIT SYS As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

A break down of charges is not considered verification of debt, therefore if you can not provide the original contract that contains my signature then this account should be removed from my credit report within 30 days. 

Sincerely.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On Tuesday,XX/XX/XXXX, three charges processed on my personal checking account in the amount of {$290.00}, {$550.00}, and {$5.00}. I had Overdraft Protection on my Personal account and the connected credit card account paid this amount of approximately {$850.00} on XX/XX/XXXX. When I saw the Overdraft Protection ( {$850.00} ) had come from my credit card and had worked, I immediately reimbursed my credit card with funds from my Business checking account in the amount of {$850.00}. I then turned off Overdraft Protection as I had gotten over the financially difficult part of my month. 

When I turned off Overdraft Protection, Wells Fargo removed the {$850.00} credit from my Personal Checking account which forced me to go into Overdraft again. I had already used my Business Checking account to pay my credit card and no longer had available funds to bring my Personal Checking account out of negative balance. The Wells Fargo employee who instructed me to set up Overdraft did not tell me that Wells Fargo was liable to remove the credit ; it is now only through experience that I understand I can not turn off Overdraft Protection until 3-5 days after it has been used. 

I was not notified of this until the following day ( XX/XX/XXXX ) by email, which meant I had from XXXX when they emailed me until XXXX PST that same night to fix everything. I called Wells Fargo as soon as I got off work at around XXXX and explained the situation. They said they'd already waived XXXX overdraft fees in the past XXXX months and were unable to assist. I was transferred from department to department with everyone saying they could do nothing even though the mistake was on the part of Wells Fargo. 

They suggested I advance cash from my credit card to cover the {$850.00} overdraft. However, because I had turned Overdraft Protection off, they would charge me a cash advance fee for using my credit card. Every solution Wells Fargo suggested for fixing their mistake involved me paying for it. 

At XXXX, I had been hung up on by Wells Fargo twice ( despite being calm and cordial ) and the issue still was not resolved. I finally spoke to someone at around XXXX PST who said she could re-apply the credit to my checking account and that they would not charge an Overdraft Fee. The adjustment that the Wells Fargo employee made did not post until XX/XX/XXXX. On Wednesday, XX/XX/XXXX, an overdraft fee was applied to my account, despite the employee at XXXX PST saying that they wouldn't AND despite 2 employees hanging up on me prior to the XXXX PST deadline AND despite the entire issue being a Wells Fargo error.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (PA)

I applied for a credit card through XXXX, serviced by USBank. I was  approved for the credit card, but it never came in the mail. Then I got a bill for charges made with the card. I filed a fraud claim for all charges on the card, considering I could not have made any purchases with the card because it never came. The initial claim was on XX/XX/2020. I was assured the charges would be removed from my account, and I also closed the account. Starting in XXXX, I have received weekly emails about past due bills on the card. I have called USBank weekly trying to get them to remove the charges. The charges still have not been removed despite my weekly calling USBank and them assuring me it would be taken care of. The amount I am being held responsible for is {$44.00}.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (NY)

1. On XX/XX/XXXX, my employment direct deposit was deposited to US Bank checking account ending in XXXX for {$3400.00}. 
2. On XX/XX/XXXX, I scheduled my monthly XXXX XXXX mortgage payment to be withdrawn from US Bank. 
3. On XX/XX/XXXX, XXXX XXXX informed me two attempted to process my payment were denied by US Bank, one on XX/XX/XXXX and again on XX/XX/XXXX. 
4. On XX/XX/XXXX, I called US Bank to find out why my mortgage payments were declined. Customer service agent XXXX told me US Bank placed a freeze on my checking account because the account was not funded until XX/XX/XXXX. I explained to her that was incorrect and contradicted by US Bank 's own records which were reflected on my checking account showing the deposit of {$3400.00} was process by US Bank on XX/XX/XXXX. I further argued that, even if she was correct, why was XXXX XXXXXXXX XXXX attempt on XX/XX/XXXX also declined? XXXX had no explanation and said there was, " nothing US Bank could do '', in relation to my now late mortgage payment and XXXX XXXX charging me a late fee of {$50.00}. 
It is outrageous that a bank can act with such impunity. Through no fault of my own, I now have as late payment record and fee and may have issues having my PMI cancelled.
Consumer complaint received 2020-05-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TX)

I filed a dispute with XXXX  XX/XX/XXXX about a collection agency ( Commonwealth Financial ) via phone an ask that it be removed from my credit. Commonwealth is reporting a old past-due account on my credit report as if its a new again when the debt was sold. Commonwealth is reporting the account XX/XX/XXXX when the original date is XX/XX/XXXX. Im asking they remove this account.
Consumer complaint received 2023-01-18
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: CarMax, Inc. (NV)

To whom it may concern : Upon reviewing a copy of my credit report, I discovered that I was a victim of identity theft as there was an auto loan with CARMAX AUTO FINANCE that was created XXXX XXXX XXXX I did not create this auto loan nor did I authorize my name to be on this loan. I have already disputed with all 3 credit bureaus however this negative item remains on my credit report.
Consumer complaint received 2023-01-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Greetings My husband and I made a payment for our Mortgage to XXXX before the year of 2010. As it was made to our attention, the mortgage company claimed that they never received the payment, but they did receive it! Using a US POSTAL MONEY ORDER for almost & XXXX, an employee I intercepted the payment for their PERSONAL USE! It was traced and came back with a signature on the back and the date! XXXX, denied the claims and continued to charge us for the payment not being received after we repeatedly made contact with them on the incident! This in turn caused my husband and I to file for protection against foreclosure of our home, using the XXXX XXXXXXXX bankruptcy protection! We have received no compensation from XXXX but since then we have moved on from this company and we are in another home. This was the only way to get out of the terms of this condition and we have NEVER RECEIVED ANY COMPENSATION FOR THIS MATTER, AND NOT EVEN A SIMPLE APOLOGY!
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ID)

This Debt Buyer, acting as a Debt Collector, continues to ignore the CFPB 's Consent Order 2015-CFPB-002 ; 1. PRA has not shown, nor do they have access to, account level documentation and continue collections knowing their data may be inaccurate/unreliable. 
2. A letter provided by PRA, and likely provided to furnish certified information to the credit reporting agencies, which means to imply and display 's similar original creditors information ( XXXX XXXX XXXX XXXX  ) and letterhead and other official proprietary markings falsely indicating that the original creditor is a participant in such collections-when in fact they are not. 
3. I spent 3 years fighting such manufactured evidence in a local court on 2010 and here they are doing it again. I did sue and collect for FDCPA violations from their collector in the end. Can not say wh, in which case the affidavit then was robo signed-corroborating my concerns about their fake XXXX letter. 
4. PRA " parked '' a collection account with all 3 CRA 's indicating I have an open account with them when in fact they know i do not have such. This clearly is an attempt to pressure me, a consumer, into giving them monies to improve my credit score. I am in fact harmed and deterred from applying successfully for credit because of their misleading/incomplete/disputed-particularly the amount, entry that ties my hands as a consumer. 
5. PRA has not and will never have access to certified or other authentic copy of credit card bills amounting to their totals nor any such statements or contractorial signatures or terms of agreement. 
6. PRA continues to defy the order above that, in connection with the collection of debt, Respondent, Respondent 's officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation v.rith any of them, who receive actual notice of this Consent Order, whether acting directly or indirectly, are permanently restrained and prohibited from making any material misrepresentation or omission or assisting others in making any material misrepresentation or omission, expressly or by implication, including but not limited to misrepresentations : ie. using a fake XXXX Letter.
Consumer complaint received 2024-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

I noticed there was a debt I didn't recognize, from a creditor I didn't recognize on my credit report. I recently sent a certified, and notarized, verification of debt request to Credit Management Company. They responded to what amounted to be a typed out statement from another creditor, with an original creditor I know nothing about dating back over six years ago. This is fraud in my estimate, because anyone can type a letter, and they have nothing certifying the debt is mine, no signature, no contract entering into the debt. This is fraud! 

Outside of that, I'm a Texas resident, and Texas has a XXXX year statute of limitations on this type of debt. This is outside of the fact, that it isn't mine. I am submitting this complaint that will be a part of our lawsuit against this company, and it's insurance company for willful fraud. They continue to report it on my credit report, even though they have nothing certifying that it belongs to me. 

There's also a statement in the letter that states " Although your itemized balance might be {$0.00} your total balance has been forwarded to our office and is listed below ''. If the itemized balance is XXXX, the balance is XXXX. You don't get to just make up numbers. These guys are crooks.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS (TX)

I have sent LexisNexis every piece of information ( XXXX pages ) since 2013 to block and freeze my REPORTS! I was recently married as a result of the XXXX Courts historic ruling in XXXX XXXX XXXX and my last name changed. As a result they use that as a separate person despite sharing everything else! This is egregious as a victim of identity theft to have them do this type of bait and switch. Is it only against XXXX and XXXX individuals? Some animus toward us? Its the same social security number and address and there for the information should not be accessible to anyone! I repeat i have more then enough evidence that I sent them in XXXX to warrant the blocking of my information. Yet they get around because of a last name change of marital status. This is discriminatory
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

My XXXX account was purchased by Citi Bank from XXXX XXXX 
During the transfer processes Citi bank received the incorrect billing/mailing address, my automatic payments were not transferred either. 
This caused me to have XXXX late payment that affected my credit report. 

I didnt receive any information from XXXX XXXX about the transfer. 
I received an email from XXXX that my account was past due, so I called XXXX XXXX. I was told by them that they no longer had any of my information and could not help me. 
I was transferred to CITI bank and after a week, I finally got a hold of someone. 

That is how I figured out all of information was incorrectly transferred.
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/XXXX, I received a text message, and an email from Resurgent XXXX XXXXXXXX office after I have sent them over to cease communication. Pursuant to 15 USC 1692 if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. On XX/XX/XXXX, Resurgent XXXXXXXX XXXX received my request and acknowledge it by saying that they would cease all communication ( EXHIBIT A-B ). However, this has not happened, and this company has further violated my rights as a consumer.

By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation. Pursuant to 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

I have attached an invoice with this notice. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Best Regards, XXXX XXXX
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mandarich Law Group, LLP (NV)

XXXX through XXXX XXXX I and Attorney XXXX XXXX, XXXX has misrepresented the debt and has tried to intimidate and sue for an incorrect amount of debt. In fact, they have sued me for {$8100.00} while the debt previously owed to XXXX is less than {$4000.00}, they have reported and are trying to collect the wrong amount owed to XXXX. In fact, more than half of it includes junk fees as president Biden calls it. This is clearly a violation of Fair debt reporting practices and has damaged my credit and personal life