davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capital Services ( XXXX XXXX ) placed a collection account on my credit report in the amount of {$700.00} in XX/XX/XXXX. On XX/XX/XXXX I sent XXXX XXXX aka Resurgent Capital Services a Debt Validation letter under Texas Finance Code 392 requesting they validate the debt. XXXX XXXX aka Resurgent received the letter on XX/XX/XXXX and sent me a letter on XX/XX/XXXX stating they have " initiated a review of the inquiry they recently received ''. As of today XX/XX/XXXX I have not received any further correspondence from XXXX aka Resurgent validating the debt in question. In the letter I sent on XX/XX/XXXX I requested Validation under Texas Finance Code and requested that if they could not validate that they were to delete the trade line from all 3 credit bureaus which they have failed to do at this time. Under TFC 392 they have 30 days to validate and if they can't they must delete the trade line from all credit reporting agencies. 

They also treated my letter as a dispute under the FCRA and marked my credit report 's as " disputed by consumer '' which I clearly was not disputing under the FCRA but requesting validation under the Texas Finance Code. This is a blatant misuse of the dispute process under the FCRA and could cause issues for future consumers that request validation under TFC. Dispute comments can derail mortgage applications and cause credit denials.
Consumer complaint received 2018-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I have previously filed a complaint about an electronic transfer made by my bank, Wells Fargo, to XXXX, at my request to pay a bill. That was XX/XX/2017. Despite numerous calls with both Wells Fargo and XXXX, to date, Wells Fargo has not located my money. XXXX states they did not receive the money, while Wells Fargo claims they sent it to XXXX, but it still has not been located. This was a XXXX payment that can not be found. I have no escalation path with either Wells Fargo or XXXX XXXX  -- they both closed my claims, and I DO NOT KNOW who has my money. Please help me.
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (VA)

XX/XX/2018 The company NCC called both of my personal numbers, my fianc phone number, and work place back to back. When they called my job, the representative wouldnt give me her name, the company, just stated I need to pay a debt or its going on my credit and never going away. She just constantly just to get my to pay a random amount of {$670.00} a month for the next 4 months.
Consumer complaint received 2023-05-05
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$500.00}
Consumer complaint received 2018-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blakely-Witt and Associates, Inc. (CO)

So I been trying to find an apartment out here in XXXX  and tried to apply for one on the XX/XX/XXXX and was told I owed a property which I dont understand why I owe the property any money I didnt break my lease or anything and on top of that they took my deposit find out they put that I owe XXXX from a property called XXXX XXXX and they reported on my credit Im currently homeless living from place to place because no one will rent to me because of it I called the property almost everyday and no one answers the phone I even called the collections department they went through Blakey-Witt & assoc. its a stressful situation Im not in XXXX   anymore to go up there and talk
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (GA)

OnXX/XX/2018 this debt for XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2023-04-10
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: EQUIFAX, INC. (CA)

I went on XXXX XXXX XXXX XXXX to use their pre-approval tool which does specifically say it was not going to affect my credit. 
They said i was pre-approved with XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. 

Why do i proceed to getting multiple alerts back to back on XXXX XXXX  about hard inquiries when it specifically stated there would be no hard inquiry. I though maybe XXXX XXXX was not getting the right information so I logged into Equifax itself to check XXXX XXXX appears 5 different times from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX as well 5 different times within those dates back to back to back on every day, why? I put my information once on XXXX XXXXXXXX and it said it was not going to affect my credit
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (TX)

While shopping for a loan I spoke with many lenders to try and find the best rate and fees for my refinance. Guaranteed Rate received an application over the internet from me, but I made it clear I was not moving forward with their firm. Every day I receive an application package to sign and so does my wife. The first instance was well after I first entered our family 's information and had already chosen another lender. We now receive daily prompts to sign our application and full initial disclosure package. This was very confusing and misleading at first. Now, it is a nuisance. 
Guaranteed Rate did not receive my business because they did not have a clear fee structure. What they promised online was not was I received on an initial cost estimate and the loan officer never placed the updated fees promised in an email on paper. She only asked if I was ready to lock today. When I said no, that 's when the application links began. 
I believe this is there strategy to coerce applicants to come back to them, but badgering them with applications after they have passed in hopes they catch the XXXX of XXXX that may come back. I emailed the loan officer and the individual sending the link to stop and remove my file. This has not happened. 

It is a nuisance. It is confusing to borrowers. It is a problem that they are not solving themselves by ending the constant emails.
Consumer complaint received 2018-04-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Flagstar Bank, N.A. (FL)

Pursuant to Fla. Statute- 673.3081- A defendant may denied in specific the authenticity of any document presented as the original promissory note and any possible signatures contained in the complaint. 

On XX/XX/XXXX, we submitted a written request under section 6 of the Real Estate Settlement Procedures Act. On XX/XX/XXXX, we received a response from XXXX XXXX on behalf of Flagstar Bank, however XXXX XXXX failed to respond to the questions that was asked and instead claims that it is unclear from our correspondence what we are requesting or disputing. The written request is very clear and to the point. The note reveals an endorsement by XXXX XXXX XXXX senior vice president, flagstar Bank. XXXX XXXX provided a copy of the note reflecting the same endorsement naming XXXX XXXX XXXX therefore he knows too well what we are asking and is refusing to respond. We ask, if XXXX XXXX XXXX was ever employed by Flagstar, we also ask if XXXX XXXX XXXX holds the office of Vice Presidient of Flagstar, we ask when XXXX XXXX XXXX employment started with Flagstar and when it end. Pursuant to the Florida Statute, a debtor has ever right to question the authenticity of any signatures on the note. The record reveals that XXXX XXXX has knowledge of the questions being ask because he himself provided a copy of the note reflecting the name of XXXX XXXX XXXX. Therefore if he already provided this information it does not make any sense that he would not answer to the questions when he clearly knows too well that the question is very clear and he knows the subject matter. By providing a copy of the note reflecting the name of XXXX XXXX XXXX, XXXX XXXX has placed himself in a contradictory position claiming he knows nothing or that does not understand the question, XXXX XXXX has provided a poor excuse that not even him believes. In the Court of Appeals State of Arizona, in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee ; Flagstar. The summary judgment was reverse by the appellate court in specific due to a False recording claim surrounding the endorsement of XXXX XXXX XXXX. The appellate court agreed with the defendant that the endorsement of XXXX XXXX XXXX was false and that there was no proof she was an actual employee of Flagstar. We have enough information to be believe that the endorsement placed on the note by XXXX XXXX XXXX is false and we demand that flagtar bank respond to the written request under RESPA 6 of the Real Estate Procedures Act. The CFPB has jurisdiction over the matter and we ask that you act according to the law. Pursuant to the Fla. Statute and RESPA we have every right to demand an answer and therefore we ask the CFPB to enforce every statute mention in this complaint.
Consumer complaint received 2018-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX  XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.
Consumer complaint received 2018-04-13
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. (TX)

XXXX XXXX is showing charge off but is showing a balance. This is clearly an error and violation of the FRCA and so should be deleted. 

XXXX XXXX : I have sent letters ( see attached ) to validate this debt ( see attached letter ( s ). They have not responded or they replied with frivolous information that did not address the required information. 

XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX XXXX : I have disputed this item with the credit bureau, they have never provided proof or method of verification.
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 my debit card was stolen along with my wallet and phone. My card got fraudulently charged around {$5000.00}. I provided the company with all the documented proof showing them the charges were not of my doing. They left my account negative {$4700.00} and some change. This was all due to identity theft, someone used my cards after they had stolen everything from me! I am still negative in my checking account and its ruining the chances of my purchasing a home because of it.
Consumer complaint received 2024-11-15
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

Hello, I am contacting you about my Citibank Double Cash MasterCard. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my accounts for a very long time. My card has an ending promotion period where the interest rate was 1.99 %. To mark this event my details show my last payment before the ending of the promotion period as $ XXXX making it seem as if no payment was received and the double interest to offset the double cash is in place to XXXX my account starting XX/XX/XXXX.  Their website used to automatically update customer balances as soon as you make a payment. This is no longer the case. I have not contacted them about this theft because I do not look forward to the upcoming lies. The objective is the same as other large banks. I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. Thank you.
Consumer complaint received 2018-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

Dear CFPB Representative, On XX/XX/XXXX I initiated a transfer to my XXXX trading accountoperated and serviced by Coinbase , Inc, in the amount of {$2000.00} There was a disclaimer that the transfer could take up to 5 business days. On XX/XX/XXXX It was confirmed that my deposit was available. I tried to access my account for three weeks with an error upon login that finally turned to " You account has been temporarily suspended ''. I contacted Coinbase for the first time on XX/XX/XXXX ( Case # XXXX ) when my account still did not allow me access. I finally got a response onXX/XX/XXXXwith an email stating " Due to increased volume it may take several days to receive a response. '' I questioned the timeline of when my account would be reviewed and a decision granted and was told " these reviews are typically completed within 4-5 business days ''. 

After being ignored I contacted coinbase again of XX/XX/XXXX and was told by the rep that " Ive just checked your account and can confirm that your request has been properly escalated. '' I emailed again on XX/XX/XXXX, with the same response. I called the company directly with a 2 hour hold and the rep told me " If I told you an estimated time when your account would be reinstated then I would be lying '' I decided to wait a few more weeks. OnXX/XX/XXXX I need the funds for an emergency and contacted them that I will file a CFPB report if I my funds were not transferred back, and that I don't even want to patronize their platform any longer. I opened a new case as well ( Case # XXXX ) and revised the exact same response " Ive just checked your account and can confirm that your request has been properly escalated. ''
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP (NJ)

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. 

American Honda Finance Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX has violated my rights. 



the closed off accounts that appear on my credit report and late payments also reveal information that remain on my profile for the next 7 years. 

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 an 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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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

XXXX5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Trans Union received my documents via USPS Certified mail with signature on XXXX requesting the deletion of 2 accounts. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX It is well beyond 45 days of any such investigation. 
Trans Union is in violation of : FCRA 611 [ 15 USC ss1681i ]