davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, 2017, and  XXXX XXXX, 2017. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
Consumer complaint received 2018-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC (TX)

The original creditor is XXXX and the collector is Cavalry portfolio services. 

This account has been closed in collection since XXXX. I just recently checked XXXX XXXX  and it says it has been reopened XXXX XXXX. I never authorized my account to be reopened, never got a validation letter nor a notice of my account being reopened.
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

In XXXX 2014 my husband and I bought a mini van from XXXX XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.
Consumer complaint received 2018-01-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

Recently, I have applied for the program deed in lieu of foreclosure. HSBC has sent me the forms for the process. Again they are requiring forms that have not been sent to me.I wish they would send me all the necessary forms to complete this process. This is an ongoing problem with them. I need the following forms sent to me : 1. Authorization to disclose information form 2. Permission for entry into the Property form.

Can you please have HSBC send the forms to you and in turn to me.

thank you
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018, Chase charged me {$34.00} for each for two insufficient fund fees. The funds were available and they reimbursed me. I asked for statements from past accounts so I can see if this happened in the past and they are charging me to get those statements.
Consumer complaint received 2023-12-30
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. (WI)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (MI)

In late XXXX XXXX I took out a home equity loan with Flagstar Bank. Among the papers I filled out was a request to have my payments automatically taken out of my bank account, and I provided a voided check. My first payment was due in XXXX and I made that manually. 

On XXXX XXXX I received a message from Flagstar saying it was urgent that I call them. Wondering if it was my loan, I looked online and saw that I had missed the XXXX and XXXX payments. I had no idea, I thought they were being auto-paid. I also had 2 late fees for {$35.00} each. 

I called Flagstar and they said that the auto-payment can take up to TWO MONTHS to go into effect. I was told that the loan officer should have warned me about that but " they do n't get trained right sometimes. '' At any rate, they said mine had NEVER gone into effect. I paid up my account and requested a reversal of the late fees. 

Today my credit monitoring alerted me that my credit score dropped 58 points! Flagstar has reported one missed payment. They 'll probably report the other one and my score will go down even lower! 

I have put in a request at Flagstar for them to REVERSE the reports of missed payments with the credit bureaus. I had great credit, I pride myself in not being late! 

1. My loan officer should have told me to continue making manual payments and monitoring my account until I 'm sure auto-pay has been implemented. 

2. Flagstar should have alerted me long before XXXX XXXX that I had missed two payments.
Consumer complaint received 2018-01-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc (FL)

We were misled by XXXX XXXX XXXX XXXX in that we came to an agreement on balance owed to XXXX XXXX XXXX. We paid as agreed with XXXX balance. Now XXXX shows a balance of {$3400.00} We feel that this wrong, had we have known we would have settled differently.
Consumer complaint received 2018-01-10
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: Early Warning Services, LLC (TX)

I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. Several accounts were opened in my name. 

I did not open, use, benefit or access the accounts opened at XXXX  XXXX XXXX or XXXX. 

I called Early Warning Services today and the agent confirmed that Early Warning marked my account as identity theft but did not delete it and until today had not sent me their identity theft kit. I did receive the identity theft kit on XX/XX/2018 My Early Warning Services consumer ID is XXXX I have attached a copy of the police report
Consumer complaint received 2023-12-30
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. (GA)

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

Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-26
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. (CA)

Equifax is not doing an investigation that has anything to do with my complaint and they are denying me access to my credit report to the point where I can not even see my old dispute results. I answer everything correctly over and over again and then my access is blocked regardless! I reported the transaction that went unnoticed by me with XXXX as fraudulent and I initiated a fraud alert because the incriminating charges were not made by me and subsequently went unnoticed and when XXXX # XXXX reversed it all they forgot to reverse the revolving interest which threw my account to 30 day late from XX/XX/2014, which is fraud. it is NOT 30 days ; ate because it was A FRAUDULENT TRANSACTION! The same goes for the XXXX XXXX account # XXXX, it does not belong to me and was fraud! they can verify information until the world ends but these were FRAUDULENT and reported as such, so that makes it inaccurate and it makes EQUIFAX incompetent in their investigations and also incomplete! I have had no issues placing the fraud alerts and having these accounts removed with XXXX and XXXX, so why is Equifax giving me such problems!
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX account # XXXXXXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX These accounts have been resolved and closed but theyre still reporting it on my credit report. Yes, I have asked them to remove these accounts because they are old and are closed.
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (TN)

On XXXX XXXX, I transferred {$4900.00} in BTC ( bitcoin ) from my secure wallet to my Coinbase Account. This transaction is still pending 9 days later and Coin Base will not reply to any support tickets I create concerning this problem. Additionally, when I click view transaction on Coin Base 's website, there is a message saying that the transaction hash can not be found. 

I would like a member of the Coin Base support staff to either correct this issue or contact me in order to have it corrected. 

Thanks
Consumer complaint received 2018-01-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (KS)

The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to XXXX XXXX XXXX , XXXX. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.
Consumer complaint received 2018-01-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

On XX/XX/2017, the State of Florida was declared a disaster zone, FEMA-4337-DR ( please see attachment ). After Hurricane Irma hit Florida, I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and asked for aid concerning the car payments. I was informed that aid was available but that the guidelines were not yet clear from corporate. I was instructed not to make payments and that the they will waive the fees and that my credit will not be affected. In XX/XX/XXXX I informed them that I would make one months payment and during the months of XX/XX/XXXX and XX/XX/XXXX I would pay all that was due. They agreed and this is exactly what I did, ( please see attached credit report ). During the month of XX/XX/XXXX while reviewing my credit report ( please see attachment ), I noticed that they reported late payments so I called customer service. After a long back and forth, they stated that they will not remove the negative information. I explained that I have never been late as the record proves and that the reason for all this was because of a natural disaster that 's out of my control. Even this reasoning would not help and they stated that they will not remove any negative information. My biggest problem is that this company supposedly extend aid during a drastic time but then hurts you by damaging your credit score.  This ill action by World Omni has even affected my employment since its credit score sensitive.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the XXXX validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided XXXX within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
Consumer complaint received 2018-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation (MS)

I received a letter from XXXX XXXX XXXX XXXX XXXX. saying that I owe {$420.00} for a bank overdraft fee at XXXX XXXX XXXX XXXX. I was sending XXXX XXXX XXXX payment of {$30.00} once a month from XX/XX/XXXX-XX/XX/XXXX. I send them a total of {$150.00}. I try calling this company several times and I was n't able to talk to a real person. I then send in a inquiry form to XXXX XXXX XXXX about my account. They send me a letter saying my account was closed on XX/XX/XXXX and they are going to refund me {$55.00}. I received two check totaling {$55.00} in the mail. I had to filed a complaint online on XX/XX/XXXX with CFPB complaint # XXXX because they still owe me {$94.00}. XXXX responded by sending me a check in the mail for {$64.00}. XXXX XXXX XXXX still owe me {$30.00}.
Consumer complaint received 2018-01-11
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company (CA)

Date XX/XX/XXXXRE: Providing debtor with false information and theft of debtors money.Freedom Mortgage CorporationXXXX XXXX XXXXXXXX, IN XXXXAccount Number Dear Sir or Ma'am:On XX/XX/XXXX, I sent you a letter disputing the debt and requested that you validate the amount owed in accord with the Fair Debt Collections Practices Act and the Rosenthal Fair Debt Collections Act.Your response letter dated XX/XX/XXXX (attached) failed to validate the debt. You claim I owe XXXX, yet your own records fail to prove that.  Reporting a false amount is a violation of  15 USC 1692e(807)(2)(A), The false representation of, the character, amount or legal status of any debt.For a detailed report go to XXXXOn XX/XX/XXXX, you received another money order from me in the amount of $XXXX, yet you listed it in my account as $XXXX dollars. Another clear and unmistakable violation of 15 USC 1692e et seq. You are stealing my money.For a detailed report go to XXXXI herein continue my dispute of the reported amount I allegedly owe and request you properly validate the debt by furnishing me with all relevant and required documentation. Based on your owe records I owe $XXXX less any minor fees, which will be mailed out to you by priority mail. All monies received from me by Freedom Mortgage has been in the form of certified funds;Specifically; United States Postal Money OrdersBased on your own records (attached), you are attempting to collect additional monies that are not authorized by the agreement that created the debt.Specifically; $XXXXPer your own records;1. XX/XX/XXXX, was paid in full on XX/XX/XXXX.2. On XX/XX/XXXX, you show a disbursement of $XXXX and XXXX respectively, That was the $XXXX you received from the creditor, XXXX XXXX wherein I had mistakenly sent it to them. The $XXXX listed on the account was also forwarded by XXXX XXXX to you. I have emails from XXXX XXXX confirming this.On XX/XX/XXXX you received a payment from me in the amount of $XXXX and another payment from me in the amount of $XXXX on XX/XX/XXXX, despite your attempt to show it as only $XXXX dollars.$XXXX+$XXXX+$XXXX+$XXXX = $XXXXAs my XX/XX/XXXX payment was for $XXXX the XX/XX/XXXX payment was paid leaving a balance of $XXXX to be applied toward XX/XX/XXXX payment.That leaves $XXXX owed for XX/XX/XXXX. Which means, to clear out XX/XX/XXXX and XX/XX/XXXX payments, I need to send you $XXXX less any minor fees.The above referenced amount due (XXXX) less any minor fees was mail to you via priority mail on Friday XX/XX/XXXX. You should get it by Monday XX/XX/XXXX, so no penalty can be attached to XXXX payment.
Consumer complaint received 2018-10-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (DC)

On XX/XX/XXXX, I opened a new savings account with Citizen 's Bank. I requested that XXXX be transferred to this account from another account I have at XXXXXXXX XXXX. Citizen 's Bank ran this transfer through twice, causing {$24000.00} to be transferred out of my XXXX account. I did not have the funds in the XXXX account to cover this, and was charged a {$100.00} overdraft fee as a result. Citizen 's has acknowledged that the double transfer was their mistake, but refuses to reimburse me for the overdraft fee caused by their mistake. XXXX will not refund the fee either, though I do not believe it is their responsibility to do so since Citizen 's caused the issue.