davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-07
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. (TX)

Complaint to the CFPB regarding personal data exposure and negative credit records Summary of the Situation : Dear CFPB Representatives : I am submitting this complaint to request an investigation following a security breach in which XXXX XXXX XXXX XXXX XXXX ( XXXX ) failed to adequately protect my personal information. According to XXXX, on XX/XX/year>, a third party gained unauthorized access through the XXXX software, affecting thousands of customers and exposing sensitive data, including my name, address, date of birth, Social Security number, and bank account number. This failure to protect my information has caused significant vulnerability in my credit history and increases the risk that negative information on my report may be inaccurate or impacted by unauthorized activity. 

Legal Argumentation : Violation of the Gramm-Leach-Bliley Act ( GLBA ) : Safeguards Rule : Under this law, financial institutions must implement strict security measures to protect customers ' personal data. XXXX did not meet this obligation, exposing me to risks and compromising the accuracy of the information reported on my credit report. 
Privacy Rule : XXXX  was obligated to promptly notify me about how it protected my information, and its failure to do so directly affects the validity of the negative records reported. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Section 1681i ( a ) - Right to Accurate Information : Due to this data breach, the negative information reported by XXXX  may be inaccurate. This section requires that all information be accurate and verifiable. 
Section 1681s-2 ( b ) - Obligation of Information Furnishers : The law requires creditors to verify the accuracy of information before reporting it. Given that XXXX acknowledged the exposure of my data, they may not have met this requirement. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Section 1692e - Prohibition of False or Misleading Representation : Any negative representation reported without adequate protection of my data could be considered misleading and may not accurately reflect my actual credit situation. 
Request for Investigation and Correction : I request that the CFPB investigate this case and determine the accuracy of the negative information reported by XXXX  on my credit. I also ask that these negative records be removed due to the failure to protect my personal data and the vulnerabilities created by its exposure. I trust that the CFPB can ensure my credit report is fair and accurately reflects my history without errors caused by negligence beyond my control. 

Thank you for your attention, and I look forward to a prompt response that protects my rights as a consumer. 

This complaint emphasizes XXXX 's failure to fulfill its legal responsibilities and requests an investigation to ensure that your credit report reflects fair and accurate information.
Consumer complaint received 2018-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (CA)

I got a loan from a company called prosper. I got approved on line for the amount of { {$20000.00} } they charged me a { {$1000.00} } fee for the application fee transfer of the cash when they sent the money Directly into my checking account. 
I was already stuck with the fee but I had the loan and was ready to go, but then they made me set up my first payment back to them before moving forward. This is when I realized that their statements I was told and presented to online, in very colorful low numbers Get Low Rates Pay at your Own Pace Save Money with no Hidden Fees the Highest Risk Rating said it was only 11.68 % was all a smoke screen, after it was too late. 

I now had already paid a { {$1000.00} } Hidden feel, I now have to make monthly payments of { {$570.00} } for the next 60 months ( But I thought I got to pay at my own pace? ) and then the worst things happens and they hide this really well in your account, I notice they are charging me over 26.57 % in interest ( not the Highest Rating interest of 11.68 % as advertised ) - so here I am and now I start reading every little detail and theres no way out of it, theres no changes allowed, theres no negotiations allowed, they literally screwed me. I was under the impression they were helping me with a debt consolidation/personal loan and now Im paying more than I was before. 

I still had hope they would understand the miscommunication and we can negotiate on my behalf to get this fixed but prosper refused to bring my rate down and they said they dont work with other debt consolidation companies either and I have no choice but to pay the 26.57 % rate. 

Im sure now they will find a way to ruin my credit score too and put on a delinquent payment account because I wont agree to auto pay. 

They still have never sent a contract or a monthly statement, like I said I didnt know how much interest they were charging because they make it hard to find. 

Now after working with this amazing company that was going to make my life easier, Im spending every spare moment trying to find a way to be relieved of this contract, even if I have to get a real loan with 1/2 the  interest rate and pay it off in full or XXXX up the bad credit and file bankruptcy
Consumer complaint received 2018-04-20
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. (GA)

XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$5700.00} with XXXX, XXXX  and Transunion credit reporting agencies. I requested verification of the debt and account however XXXX XXXX   failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I declared bankruptcy in 2010. among the accounts discharged was a credit card account issued by XXXX XXXX XXXX XXXX , for $ XXXX and a loan consolidation for $ XXXX, prior to which had no late payments or negativity associated with the debts. Shortly after I disputed with Experian, to remove the false late payment information reported by the credit union, and they removed them. Still the credit union, now named XXXX XXXX XXXX, reports an open credit card account for {$7500.00}. that is raising my credit to debt ratio, nice for my score, but makes obtaining new credit more difficult, as my income remains the same and there is a threshold to how much credit lenders can offer. This caused me to lose a huge opportunity when my state issued me a permit and I couldn't fund the final requirements for start-up. I have disputed many times and it is always verified by the creditor as a correct reporting. 
When contacting the credit union, I am met with a direct connection to a certain manager, whom had also transitioned to XXXX XXXX XXXX. In our brief conversations I am met with accusations of thievery and inconsolable latent hostility. They added {$2500.00} to my credit limit after my bankruptcy and wont let me close the account. I even want as far as contacting the credit card fraud department and they could not help me because the account does not exist
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX our deposit ( {$2500.00} ) was accepted without a hold and our online account reflected the full funds in the balance XX/XX/XXXX. The payroll check was drawn on XXXX XXXX XXXX from a business account we have owned for over 25+ years and not one payroll check has been returned in that time frame. We have had a personal Bank of America account for over 30 years so there is a consistent pattern of deposits of these payroll checks being accepted without issue. The next day ( XX/XX/XXXX ) we confirmed the deposit and processed some bill payments. The following day, which was three business days after deposit or XX/XX/XXXX our balance reflected a reversal of the deposit, putting our account into overdraft. BofA explained the reversal based on suspected fraud claiming the XXXX XXXX XXXX check was possibly fraudulant. Since we owned the XXXX XXXX XXXX payroll account we had proof it was not fraudulant having hard copies of the XXXX XXXX XXXX payroll account showing the funds CLEARING the account and confirmation of BofA receiving the funds before BofA withdrew our deposit. We had proof the funds left XXXX XXXX XXXX but BofA still took our funds out of our account. We personally spoke to a branch representative who said they would look into it as well as speaking with a phone representative. Each time we asked they contact XXXX XXXX XXXX since we had hard copies of the account activity but they said that was not the process. The outcome was the funds were returned immediately ( day three ) to cover the bills. The scary part? None of the transactions are reflected on the statement. The negative balances disappeared, the day one deposit  disappeared and instead, the deposit is now showing a back-dated date of XX/XX/XXXX. Absolutely no paper-trail of the actual activity. Does the Congressional Committee for Finance find this acceptable behavior? If the bank claimed " Suspected Fraud '' on just 10 % of all consumer deposits in a {$2.00} trillion company they could change their balance sheet and people like me can't do a thing about it. We can't float checks anymore but BofA can float deposits at will? I will be closing my account, and there is no acceptable resolution since the issue is integrity and trustworthyness.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

I made a purchase in XXXX store on XX/XX/2018 for XXXX XXXX Then 2 months after i have noticed that my account was charged twice for that : once for XXXX on XX/XX/2018 on my XXXX statement and second time on XX/XX/2018 on my XXXX statement. I have filed a dispute to the company but they sent me some XXXX letter ( please find attached as well as screenshot of my credit card activity where it is shown that i have 2 charges for the same date for exact same amount and screenshots of my XXXX and XXXX statements where those amounts are shown ). This story is continuing for more then a month. I'm sick and tired to continue calling them and endlessly talking to either robot or people who are not listening carefully to what I'm saying to them!
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc. (MD)

Please know that the complaint with MCCARTHY, BURGESS & WOLFF , INC. complaint XXXX has not been not resolved. They have not cancelled my account and the phone calls continue. MB & W have contacted me twice since the case was closed on XX/XX/XXXX. 

On XX/XX/XXXX, MB & W called me at home and left a message to contact them. 

On XX/XX/, @ XXXX I received a call from XXXX XXXX XXXX XXXX XXXX XXXX from McCarthy , Burgess & Wolf , harassing me and stating that XXXX  XXXX XXXX has declined both payments for {$30.00} and {$110.00} which is not true. She said that MB & W must now focus on the whole amount for {$690.00} and is requesting full payment. I tried to explain to her that per my claim with FTC Consumer Financial Bureau the account with MB & W was cancelled. But she rudely and abrutely stated that she " will make a note on the account of my refusal to pay and then she abruptly hung-up the phone. 

Afterwhich, I once again contacted XXXX and spoke with Representative XXXX from Pennsylvania who stated that no attempts were made under my account for either amount. She said that if the information that the company put in is incorrect such as the routing number or the payment amount is different then the payment will be declined. 

Therefore, I humble request that you please look into this issue again? Thank you in advance for your attention to this matter.
Consumer complaint received 2018-06-05
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I wrote a letter to the credit bureaus regarding the reporting of XXXX XXXX XXXX and XXXX XXXX on my credit report. I requested that the debts be validated and both companies sent me a notification of debt and also previous monthly statements. According to air Credit Reporting Act, a debt must be validated by creditor by proving a signed contract or loan agreement along with proof of payments. XXXX XXXX XXXX and XXXX XXXX have failed to provide valid proof of debt. XXXX XXXX stated in the letter that they no longer even have the debt and that it has been sold to XXXX XXXX XXXX I demand investigation and to have these accounts removed from my credit reports with all three bureaus immediately.
Consumer complaint received 2018-06-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Couch Conville & Blitt LLC (MS)

XX/XX/XXXX I received from the human resource office of XXXX XXXX XXXX a copy to Writ of Garnishment of something sent from the Circuit Court XXXX District of XXXX County against me for the amount of {$3100.00} which occurred on XX/XX/XXXX. 
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX ( Couch, Conville, & Blitt, LLC ) to the XXXX XXXX, LA address that was provided on the document. It was supposed to arrived on XX/XX/XXXX but did not due to the wrong address on the document. When I called to get a corrected address and told them what had happened, the clerk didn't want to talk to me until she got the last four digits of my social and she can find out who I was so she could start the recording. She said her line that this was attempt to collect a debt and I was being recorded. She looked up the account and said that the debt was back in XX/XX/XXXX and could I make a payment in full. I hung up since I did not want to be recorded or her alter her statement to be my statement. I resent the letter on XX/XX/XXXX via certified mail as of XX/XX/XXXX it should be there. The new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$670.00} XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$890.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (AL)

Contact by the debt collector XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX was made via USPS on or around XX/XX/XXXX ( letter dated XX/XX/XXXX ). Limited information was provided. It came to my attention that collector had called my mother asking to speak with me. When asked what it was in reference to she was hung up on. I contacted the collector by phone and was asked to verify name, address, and date of birth. I refused to provide date of birth since to my knowledge that was not information that the collector had. Collector told me that without that information she would not speak to me and hung up. My mother was contacted at least 2 other times each time collector was told that I was not a resident at that number. 
On XX/XX/XXXX I wrote a letter asking for many details to verify the debt. This letter was mailed certified on XX/XX/XXXX. I received notice 10 days later that the letter had been received. 
On XX/XX/XXXX I received a response to my letter detailing the debt as lab work ordered by my dr on XX/XX/XXXX and completed by XXXX XXXX XXXX. I knew this to be my very first prenatal visit and that prenatal visits were covered 100 % by my insurance. I contacted my insurance co who informed me that the lab used was out of network at the time ( lab is now closed and filed for bankruptcy and being investigated by feds ) Insurance paid in network costs at the time. I contacted my dr who was in network at the time of service. I was told immediately to file a dispute that many patients had contacted them regarding this lab and debt collector. That it was possible that the lab had conducted tests that were not ordered by the dr . 
I then called the collector to verify filing a dispute. I was told by the collector that since I had contacted them via letter and they had replied that my debt would soon fall out of dispute and that I would be responsible for paying the debt. I mentioned no correspondence with the lab regarding the debt and receiving no correspondence other than a letter from the collector. I mentioned the phone call to my mother to which they denied even having her number. When I insisted again that she had been called more than once, I was told that her number had been removed. I asked why I was never called if they supposedly had my phone number and they told me they had on record that they had called 6 times and are not allowed to leave messages. In my line of work it is not considered contact unless you actually spoken with someone ... 
I feel that this is all very fishy. I do not feel that I legitimately owe the money and feel that further investigation should be completed before being pressed for payment. I also feel that all of the information that I requested was not provided and that communication was not properly handled.
Consumer complaint received 2018-04-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: First Colony Mortgage Corp. (UNITED STATES MINOR OUTLYING ISLANDS)

I built my home with XXXX XXXX. In Utah, the owners policy is paid for by the seller. When doing a new build, standard practice is that as long as you use the same title company as the builder, they will pay for the owners policy. 

In my contract I signed, it stated that if I don't use their title company AND their lender, than they will make me pay for the owners policy ( which is a seller 's closing costs in Utah ). I understand having builder incentives for using their lender, but in this case they are actually charging me more to be able to select my own lender. This doesn't make me feel free to choose who I want to work with for my financing. Essentially they are charging me {$970.00} more in closing costs if I don't use who they want me to use. How is the fair lending? 

My loan officer, XXXX XXXX with XXXX XXXX, called and spoke to the owner of XXXX XXXX ( XXXX XXXX ) on  XX/XX/2018, to see if he could waive this in the contract and he disclosed to her that his preferred lender ( XXXX XXXX - First colony Mortgage ) pays him for the owners policy if he sends his customers to him. This really frustrates me because I am told that the lender can't give anything of monetary value for referrals and yet this is what they are doing and I am paying the price for this.
Consumer complaint received 2018-04-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (RI)

I had an automatic payment of {$50.00} scheduled for payment to my XXXX XXXX Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my XXXX XXXX Credit Card, which them increased my minimum due for the month of XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by XXXX XXXX which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both XXXX XXXX and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2 (CA)

In XXXX, XXXX XXXX filed a claim or judgement against me for a debt that was very old. In XXXX I found out about the debt. During that year they also started garnishing my wages without notifying me. The amount I owed was a little over {$6800.00}. I've tried on multiple occasions to reach out to the debt collector to resolve the case but no one ever gets back in touch with me, they never follow up with a letter or email. They completely ghost me. This past Friday, XX/XX/XXXX, they levied my bank account and took over $ XXXX dollars. Since the beginning of this process, they've added on fees and I don't even really know how much money they've actually received because I can't get anyone to follow up with me. I feel like I've been taken advantage of and I don't know what to do.