davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-04
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Cornerstone Mediation LLC (NC)

I was contacted by this company on XX/XX/XXXX. I was told that this is regarding a debt with XXXX XXXX XXXX ( never heard of them ) for a payday loan for the amount of {$540.00} with an origination date of XX/XX/XXXX - but then after further inquiry, it appears that this loan may not have originated that date but that was the date it was due so the origination date may have been as much as two months before that date. 

The XXXX call was transferred to a guy ( not sure who that guy was ) and I told him that this " alleged loan '' was placed into a bank account that had been closed since XX/XX/XXXX so that this potentially was a fraud account they were handling. He told me that I needed to take it up with the court and hung up on me. 

After calling back, I asked to speak with a manager. I was transferred to XXXX. I explained to him the issue and he provided me with the information I requested. I asked for a debt validation letter to be mailed because if this turns out to be fraud, I have various avenues to pursue. His demeanor completely changed after that point, accusing me of threatening him. I told him I was n't threatening him but I was just stating a fact and trying to get information in writing. 

The information they have is all confused. The initial call ( on voicemail ) said that I needed to be available from XXXX-XXXX for the currier service from XXXX County to serve me with documents. Again, this is the first contact I have every had with this company. I asked him where he was going to mail the debt validation letter to, he provided me with an old ( 3 year old ) address. I asked him where they got XXXX County from. He said that is where the address is currently at ( the address he provided was in XXXX County ). 

I asked if he had contact information from the company they got the debt from ( he said it came from a collector ). He informed me he did n't have that information but it would be provided in the letter as he did n't have that information readily available. I also asked if he had contact information for XXXX XXXX. He said he did n't and had never heard of this company ( weird, right? ). 

I told him I would call back if I did n't have a debt validation letter in my email by XXXX tomorrow ( XX/XX/XXXX ). 

I am attaching a copy of my last bank statement from the XXXX account he is speaking of to show that it was closed on XX/XX/XXXX before the alleged deposit. This account had many fraudulent activities which is what it was closed and all other issues have been resolved accordingly.
Consumer complaint received 2015-06-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (TX)

I went in to see XXXX XXXX XXXX, to have him to remove some XXXX that I had gotten XXXX. I continuously, indicated to him that, I knew it was some XXXX. He asked me if I wanted him to send it to the lab, for testing. I said no, because, I remember the day it happened, and that, I knew exactly, what was in my hand, and that there was no need to send the small piece of XXXX to the lab. He sent it any way. I do not feel as though, I owe this debt, because, he sent it against my wishes. It is not my fault, that he did not believe that it was XXXX XXXX XXXX, placed this negative information, on my credit report, with the XXXX major reporting agencies. Along with, negative information, about me going to XXXX the hospital. Which, I did not. These bills were totaling, {$140.00}, to XXXX XXXX, and a {$81.00}, bill to the hospital. All, I presume, was for the lab testing, in which, I did not instruct, XXXX XXXX, to submit!!! The and companies name and account numbers, for these illegal, transactions, are Credit Systems International XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX, ( XXXX ) XXXX, Account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX XXXX XXXXXXXX parties, needs to remove all negative information, from my credit reports ... and, cease, all harassing calls, and attempts, to collect a debt, that I do not owe.
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was in the process of viewing my credit report online. I was asked a series of security questions prior to viewing my report. There was question stating that I opened a mortgage loan in 2010 and what bank did I use. I have never owned a mortgage, it also stated that I opened a retail credit card and I have never done that either. I was unable to view my report because I did n't have the answers to those questions.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As you can over look attached Doc. XXXX collection was reporting on my Credit Report reference to XXXX XXXX Account. 
it was reported by XXXX after disputing with Agency I submitted letter to transunion .. 
Transunion refuse to remove negative account from my report
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Credit determination — 
Company: NAVY FEDERAL CREDIT UNION (DC)

My daughter is a XXXX who decided to open a credit card although the discussion had already been made not to. To my surprise after her XXXX XXXX she came home and had received mail from Navy Federal Credit Union. I inquired as to what the mail was for and she indicated she had opened a credit card. The first thing that came to my mind is she did not have a job, had already maxed out her limit not of {$500.00} but on {$5000.00}, and still was a dependent. The next day we went to an NFCU branch office as I was in disbelief that such a thing was still happening with the tightening of credit guidelines and all. The branch customer service representative indicated that there was nothing that could be done my daughter is XXXX years of age. I get it, what I do n't get is how you can give an XXXX year old or anyone for that matter a {$5000.00} credit limit and not verify they have the wherewithal to pay it back via sources of income This was allowed and now my unemployed daughter has a maxed out account that she will be obligated to pay back while she works from time to time and while continuing to be a XXXX until she lands a real job. I wonder if Navy Federal along with other financial institutions are part of the solution or are you truly a part of the problem. I do n't see anytime soon that the economy will rebound with policies and procedures such as this.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I spoke with a wells fargo agent explaining details on modification. I was told By XXXX on a recorded line that it will take about 2 weeks. I submitted all the informatyion immediately. XXXX was slow and not returning calls promptly. after 4 months and so many calls to them. My loan was modified. I made payments XXXX       , XXXX, XXXX and every month after.
I was never late before the modification. I ask them to correct my credit ratings. It has been showing for months XXXX. XXXX, XXXX , XXXX, XXXX, XXXX, XXXX and XXXX!) XXXX all 30 then 60 then 90 days past due.
They will NOT make it correct.
I was lied to and then they ruined my credit!
XXXX
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion is reporting false information about a satisfied judgement. I have asked them to investigate this, and they have and came back and said that the judegment was valid. Attached is a letter from The Honorable Judge XXXX " XXXX '' XXXX XXXX XXXX XXXX XXXX, who claims this was never even reported to any of the XXXX credit reporting agencies. Also attached is the information that is published on my report, and my additional attempt at disputing this.
Consumer complaint received 2024-10-01
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. (MI)

This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. That account is fraud and was used by the thieves. Please delete this fraud account : XXXX - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached here my FTC reports, IDs, and proof of address.
Consumer complaint received 2016-01-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NV)

XXXX/XXXX/17 I ORDERED furniture from XXXX XXXX XXXX ( XXXX ) in XXXX XXXX UT. The furniture was to be paid for with an XXXX XXXX XXXX DBA XXXX Bank. I was required to pay for the 'Taxes ' up-front. This was done with my Well Fargo Credit Card in the amount of {$100.00}. Approximately a month later upon the estimated delivery date, I learned the furniture had not been ordered. In the interim I was first told the chairs were not available, then after research on my own this was not correct. A new sofa was to be ordered with the chairs. None of this happened. The 'floor model ' sofa was retained for my order. XXXX XXXX was unable to provide the services/furniture as expected and could not provide any additional information on the order. Phone calls sent me to warehouse were there was nothing for delivery. The manager refused to talk with me. My sales rep could not provide me with any solid answers for status. The order was NOT cancelled by me, it could not be delivered by XXXX XXXX. XXXX XXXX continued to bill Synchrony Bank. I disputed the charges. Synchrony Bank ruled in my favor and returned the charges. Wells Fargo as refused to refund the 'taxes ' based on the XXXX XXXX Cancellation Policy of cancellations subject to a XXXX % restocking fee. The order was never ordered to be considered for restocking fees and the same paragraph states 'floor models ' of what was retained for my order was 'SOLD AS IT WITH NO RETURNS '. I did not order the 'floor model ' and it was never delivered to be attempted to return. I submitted a dispute with Synchrony that was ruled in my favor. I submitted a dispute with Wells Fargo of the 'Tax ' charges and was denied for reason stated about. I reopened the dispute providing Synchrony Bank 's decision and to date have not received a reply. I do not have evidence of the Wells Fargo dispute documents. The Wells Fargo system removes documents after a small window of opportunity.
Consumer complaint received 2015-09-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

While serving XXXX, I fell behind on money. I applied for a payday loan with NetCredit. After being charged over {$200.00} every two weeks and my balance not going do I did some research and found out I have a 153.01 % interest rate. When I contacted them about this being illegal for XXXX military they blew me off. Having this is ruining my credit score and I can not keep up.
Consumer complaint received 2024-10-02
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. (AZ)

I recently checked my credit and disputed this erroneous account. I am now requesting proof of the previous investigation of account XXXX-XXXX XXXX account number XXXX. As this erroneous account has been so called verified, I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this erroneous account is of my doing and accurate. 

( Whenever a consumer reporting agency prepares a consumer reports reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates to ) according to Title 15 USC 1681 ( e ) ( b ) ( XXXX XXXX XXXX XXXX ) *Information furnished need to be maximum possible accuracy* if you can not provide me with this information in 15 days remove the account from my credit file and send me a copy of my updated credit report. If failure to comply I will seek monetary compensation for violations pursuant to Title 15 1692k.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

Back in XXXX I was looking at my credit report and noticed there were some accounts that did not belong to me. XXXX of the accounts on my credit report that is n't mine is being reported by Enhanced Recovery Corporation. It is for an XXXX XXXX XXXX account. I disputed the account with the credit bureaus as not belonging to me because I currently have and have had XXXX XXXX XXXX for the last 7 years! I am a current client of theirs and do not owe them any money! Well I was shocked when the account came back as verified. 

When the account came back as verified, I called Enhanced Recovery to figure out how they were verifying the account. I spoke with a XXXX XXXX and asked for documentation on this supposed debt as well as an itemization of the supposed charges. I was told that " media '' would be requested and I would be provided with an itemization of these charges. 33 days later I still have n't been provided with any documentation and now I ca n't even get a straight answer as to what is going on as I am being transferred from XXXX office to another since they claim they have XXXX offices. 

I am no expert on the law, but I have done research on this type of thing and from the Federal Trade Commission 's own link to the Fair Debt Collection Practices Act, a collection agency has 30 days to provide validation of the debt or stop collecting the debt as it is not a legitimate debt. Enhanced Recovery has failed to validate this debt yet still refuse to remove it from my report. Furthermore, they ca n't even give me an excuse as to why they ca n't validate it or remove it. Actually, they do n't even talk to me much because they keep trying to transfer me to supposed supervisors who are always busy. They even went as far as to say they would give me the information to the president 's office and put me on hold for XXXX minutes before the line was disconnected. 

I may not have perfect credit, but I should not have to suffer illegal credit reporting for something that is not mine. I am a current customer of XXXX XXXX XXXX and have been for 7 years so how could I have a collection that XXXX XXXX XXXX themselves have not contacted me about? Enhanced Recovery is making my credit worse without proving that the debt is mine or even legitimate. Because they refuse to even talk to me, I am contacting you so you can investigate them as I am sure that I am not the only person they are doing this to. If I do not get a resolution on this I will be forced to sue them as I will not tolerate being treated like this. There are laws and just because they are collection agency does not mean they get to ignore the law.
Consumer complaint received 2024-10-02
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. (IL)

I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character XX/XX/XXXX balance {$18000.00}, XX/XX/XXXXXXXX balance {$1000.00}, BankruptcyXX/XX/XXXX Discharged reference # XXXX.
Consumer complaint received 2015-07-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties (CA)

Credit Bureau of Santa Maria is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.
Consumer complaint received 2015-07-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BBVA FINANCIAL CORPORATION (CA)

1. The bank has discriminated against me, in the handling of my account ; a XXXX veteran and minority. 
2. The bank has refused to provide account information, which they are required by law. 
3. The bank has completed illegal, unauthorized credit and/or consumer reporting investigations. 
4. The bank has refused to follow the guidelines regarding consumer card purchases and protection from unauthorized charges. 
5. The bank refuses to fulfill it 's legally required obligation of appropriately investigating and returning the funds from unauthorized card transactions. 
6. The bank has refused to provide the contact information for their legal department or compliance department for reporting account handling issues or service of legal process. 
7. The bank has taken retaliatory action against my consumer account, for accurately reporting account handling compliance complaints. 
8. The bank has refused access to my funds without explanation or reasonable notice. 
9. The bank has refused to accurately identify who is the actual banking entity ; there are seemingly three different banks, however, which bank is actually the custodian of the account is unclear. It appears as though a corporate, non-banking entity is conducting banking operations ; whether or not this subsidiary banking relationship is legally authorized is unable to be determined at this point, because the bank is refusing to provide the information necessary to actually identify the responsible banking authority. 
10. Overall, the bank has shown a pattern of unresponsiveness, lack of transparency, unethical business practices, and poor customer service ill-befitting an organization responsible for consumers ' deposits.
Consumer complaint received 2015-07-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Pacific Union Financial, LLC (WA)

Have you had complaints submitted on Pacific Union Financial in XXXX TX? 
I am a XXXX representing XXXX and XXXX XXXX on this FHA ShortSale that Pacific Union Financial had agreed to participate on a short sale 18 months ago. 
We had submitted XXXX offers with the best XXXX on XXXX XXXX, 2015 " All Cash '' offer. 
FHA Mtg Letter XXXX still required an appraisal by an FHA certified appraiser. 
They did order an FHA appraisal on this last offer. They kept changing Short sale negotiating specialist 's and losing documents. Two months ago XXXX XXXX supervisorrequest the borrowers financial statements to see if they qualified for a Loan Modificationwhich they offer XXXX and XXXX a $ XXXX monthly payment reductions. 
Since the borrowers did not accept this loan modification, the lender is proceeding withtheir foreclosure. The borrowers speak limited XXXX, so I had to assist them on all ofthis. Can you assist on this or will you pass this to HUD/FHA to follow up on this issue. 
I will be glad to provide all the documentation that I have if needed. 
I have attached copies of the last XXXX emails form Pacific Union, I requested the namesand contact information of the supervisors, but never received them. 
Thank you for you help on this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-01-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One is processing a mortgage application for a condominium and demanding a totally irrational level of XXXX insurance. The association master policy provides cover for unit interior to original plans and specs. The master policy excludes improvements and betterments, which the XXXX policy should cover. The unit being purchased has no improvements and betterments ; it is the unit as conveyed to the original purchaser by the developer. Capital One 's requirement for {$290000.00} of XXXX coverage is completely baseless because there is not property of even a fraction of that value to insure. It is more than three times the coverage I would purchase that would include the value of personal property. Appropriate coverage would cost me about {$500.00} per year, not $ XXXX {$1500.00}.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (NY)

I applied for the XXXX credit card last month for the bonus award night benefit and they announced that they are taking the benefit away right after I got approved for the card. The card is useless to me now and I wasted a credit inquiry and {$75.00} annual fee. The card member agreement specifically mentions the bonus award night after paying the {$75.00} annual fee.
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had a bank account closed with Bank of America in XX/XX/XXXX. There was an overdraft fee of {$110.00} that I was not aware of, I never received any info what so ever on it. But I called today to see why I could not open an account at another bank, that is how I found out that I owed and it was paid today on XX/XX/XXXX. I would like to get this cleared from the XXXX so I can open another account.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

hello my name is XXXX XXXX, i had a car around XXXX years at go i sold it, i never had a chance to change it under his name i was busy, he said he ill take care of it and it seems like the new owner left it for some week with out moving it and the towing truck took it and he did n't take care of it and he just let it go. 
Now it is on my record, what can i do to with this case?