davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NV)

I use to have a XXXX Credit card that was opened in XX/XX/XXXX. The Credit card was Paid off in full before I closed that account, yet EXPERIAN is reporting it as placed on collection XX/XX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 

Why is the credit card that a consumer paid in full and closed being reported being forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practicesThis information should never have been reported to or forwarded to a collection Agency XXXX XXXX XXXX for a credit card that a consumer paid infull before closing. This should not even be listed on my credit report as being in collections. since when was a full paid credit card been forwarded to collections?
Consumer complaint received 2015-06-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SQUARETWO FINANCIAL CORPORATION (GA)

I never received anything from CACH , LLC about a debt I owe them until the Sheriff Department served me with a Summons ( XXXX/XXXX/2014 ). I got legal representation righ after this. My attorney requested that CACH , LLC send them validation of debt. Neither XXXX of us ( my attorney & myself ) never received any validation stating the debt is mine. In XXXX of 2014 I pulled all three of my credit reports and the collections was on my credit report. I was denied credit with XXXX because of this negative impact on my credit report. Since CACH , LLC could not verify the debt and I answered the summons they dismissed my case. But they are still reporting this debt on my credit report as belonging to me without verification of the debt.
Consumer complaint received 2015-06-27
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (VA)

After refinancing my XXXX bedroom condo with US Bank, they sent me a request for proof of adequate insurance coverage. After sending my insurance documents ( via fax ), US Bank informed me my insurance coverage was inadequate and they were authorized to provide insurance for me. I told them I would contact my insurance carrier ( XXXX ) and increase my coverage to satisfy their demands. A XXXX way conversation was initiated and XXXX increased my coverage to satisfy their demands. Once all parties were satisfied with the increased coverage amount, I continued to make my monthly condo insurance payments to XXXX, however I recently recieved an itemized escrow statement from US Bank witch included an insurance payment for the exact amount I am presently paying XXXX bi-annually. I tried to explain to US Bank representatives that it was unnecessary for them to charge me for home-owners insurance since I pay for said insurance through XXXX and please refund my escrow payment. I was then told I signed specific documents during closing that allows them ( US Bank ) to provide me with adequate coverage and it was within their rights to do so. I tried to explain to them I satisfied the coverage through a third party insurer ( XXXX ). After being transferred to several different representative, I finally gave up my fight. Now I feel ; though I 'm not sure, I 'm paying twice for home-owners insurance. Once through my carrier ( XXXX ) and twice through ( US Bank ) escrow. Can you see my dilemma?
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

The information was previously updated to a XXXX balance XX/XX/XXXX XXXX as Equifax responded through the portal this was update to a XXXX balance. 

Filed a complaint on XX/XX/XXXX XXXX asking Equiifax to update my balance status to a correct amount or remove in its entirety. =Please find the attached Wage and Income Transcript from 2013 where the highlighted portion advises that my debt with XXXX XXXX XXXX XXXX has been cancelled and forgiven since XX/XX/XXXX. I respectfully request that this debt be removed immediately from my credit profile. XXXX which is now XXXX XXXX has forgiven this debt in full and is currently reporting inaccurate information unlawfully. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed or updated to a XXXX balance ASAP. 

Sincerely, XXXX XXXXXXXX, GA XXXXAttachment includedEquifax Responded on XX/XX/XXXX XXXX : Equifax Credit Report said : Explanation of closurePlease be advised per the documents you provided the balance and the past due amount on GMFNANCIAL XXXX was updated to {$0.00}. Adverse accounts remain on the credit file for XXXX years from the date of last activity. Written confirmation was mailed to the address on file. 
ReliefEquifax updated the disputed account. 


This issue was resolved XX/XX/XXXX and no movement on this account since. However, this update is not reflected on my current credit report
Consumer complaint received 2015-06-28
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: GEORGE MASON MORTGAGE, LLC (TX)

I am XXXX XXXX and receive both social security and long-term XXXX payments. I, along with my wife as co-borrower, applied for a VA loan from George Mason Mortgage in XXXX, VA ( branch office inXXXX, VA. ) I am virtually debt-free and have a credit score of XXXX. 
I have over {$30000.00} in savings, very little consumer debt, and a home that is paid for ( which I am selling ). My wife and I had to contact theCEO of George Mason Mortgage, XXXX XXXX XXXX, and file a complaintagainst its loan officer, XXXX XXXX, because he was not processing my VA loan, my VA loan and kept drilling me on my public assistance and LTDpayments ( " income '' ) even though I provided him a lot of supportingdocumentation regarding my income ( which is sufficient for the loan I am seeking ). XXXX XXXX started drilling me about my specific XXXX and even said he even wanted to contact XXXX, the XXXX insurance company, becauseI " could '' lose this XXXX payments ( which is highly unlikely ). XXXX XXXX insisted thatI have bank statements from XXXX XXXX XXXX -- where I have $ XXXX in savings -- stamped and signed off by a bank official. It appears that XXXX XXXX has lost or misplaced some of my supporting documentbecause he kept asking for the same documents over and over. Then, his senior VP ( branch manager ) took over my loan app and was thepoint-of-contact. I still have trouble getting answers to my questions. 
It appears to me that I am being overcharged by this lender beyond the closing costs and 1 % of loan amount that the VA allows. The lendersent me a commitment letter that contradicts other documentsXXXX.XXXX sent me to which locks in my VA loan rate of 3 % APR15-year fixed. I have complained to the realtor, who says she wo n't use George Mason Mortgage again for any of her clients. ( She hadrecommended this lender to me and is now sorry that she did so. ) I have complained to the CEO again and have kept him in the email distribution as I try to get answers and get this loan completed. I am certain that I have beendiscriminated because of my XXXX and receiving XXXX income. 
With my credit score, credit history, current income, no bad debts, etc., Ishould not be hassled and questioned so heavily -- and repeatedly -- regarding my XXXX and eligibility for this loan. If legal assistance isavailable, please let me know.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (VA)

I began with a {$1200.00} credit limit through Amazon.com courtesy of GE Capital Bank. That company then became Syncrony Bank. My credit limit was lowered to {$830.00} in less than one year. I had had no difficulties with payment and in fact had paid it off. Recently, my credit limit was lowered to {$650.00}. I had no difficulties with payment yet again. Syncrony states that their company does a periodic credit review and adjusts according to their findings. This always has an immediate impact on my credit score because it changes the ratio due to me holding a balance. I believe this practice should be illegal.
Consumer complaint received 2015-06-28
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Guardian Angel Mortgage (PA)

my morgage broker told me she knew the rules ... ... ... .she waited until two wks to closure to order the XXXX appraisal which she told me later would me min of XXXX wks ... ... this caused me to extend me lock rate and cose me an a dittional XXXX on ever extention ... ... .she neglectected to pay attention to the fact that the curren owner owned the property less than a year and increased the value more than double of which they purchased ... ... .she owns the company she handles ... ..she should have known it would take XXXX appraisls to close ... ... .she continued to try to extend the mortgage every day ... ... I should not be responsibile for extensions she caused either due to her lack of knowlege or due to her act of of god as she purposed to me ... ... ... .I paid XXXX % at closing due to her negligence ... ... ..is this what he government is standing by? 

XXXX XXXX
Consumer complaint received 2015-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted a dispute to Transunion in XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.
Consumer complaint received 2015-06-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XXXX XXXX, 2015 I try using my Navy Federal Credit at XXXX and because insuffient fund it was decline the XXXX Tech had swipe back Card several times. When I realized that I did not have enough money in my account I transfer funds from my saving account into my Checking Account and having to return items I wish purchase. By returning the items bring the purchase total down to a reasonable amount for the bank can approved the purchase. The Navy Federal Credit Denied my purchases XXXX more and customer and XXXX did not help process the purchase the I left went XXXX and it happen again so today I call Navy Federal Credit Union at less XXXX today.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX which appears on my credit report. Upon reviewing the reports from TransUnion, XXXX, and XXXX, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues : Inconsistent Reporting Across Credit Bureaus : Key details of this account, including the Date of Last Activity, Date Opened, and Account Status, vary across the credit bureaus. These inconsistencies violate the FCRAs requirement for accurate and consistent reporting. 
Failure to Accurately Reflect Transfer to Another Lender : XXXX lists the account as " Transferred to another lender, '' while TransUnion and XXXX do not include this information. If the account has been transferred, all credit bureaus must accurately reflect this status. 
Misrepresentation of Account Status : The account is reported as " Indeterminate '' for its status, which is vague and misleading. FCRA requires clear and accurate reporting of account statuses, such as " Closed, '' " Settled, '' or " Transferred. '' Misrepresentation of Payment and Balance Information : While the balance is reported as {$0.00} on all three reports, TransUnion describes the account as " Charged off as bad debt, '' while XXXX lists it as " Charge-off, Transferred to another lender. '' This inconsistency suggests inaccuracies in how the account 's resolution is being reported. 

Requested Action : I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, status, and remarks, across all credit bureaus. 

Update the account to clearly reflect its status as " Transferred, '' " Closed, '' or another definitive status. 

Ensure the reporting aligns with FCRA standards for accuracy and clarity, particularly regarding the transfer of the account to another lender.
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (PA)

I asked them repeatedly to stop calling me. To send me a signature of signing up for this service. They did not so I refused to pay.

Also I never gave anyone permission to contact me or harass me from any collection agency.

15 USC 1692c specifies that a debt collector may not communicate with any person other than the consumer, his attorney, a consumer reporting agency, the creditor, or the attorney of the creditor, in connection with the collection of any debt, without the prior consent of the consumer or express permission of a courtXXXX.
Consumer complaint received 2024-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (CA)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (AL)

I received a debt collection notice from XXXX XXXX XXXX. The debt is supposedly for XXXX XXXX XXXX. never had an account there. this is identity theft. Please see the official government identity theft document and all parties listed on the debt collection letter was included in this report. 

Please note for the record that i sent in the form and checked the box stated this is NOT my debt.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Leafy Financial, LLC (WA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX  score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On Friday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I contacted Huntington Bank to handle a bill of sale from an automotive dealership in XXXX. I contacted the customer service department so they could handle processing a 1099a acquisition form to settle the bill of sale via my trust. They could not handle my situation because they were in another country and unfamiliar with the process. I was transferred to an agent/supervisor, XXXX, who is located in XXXX XXXX XXXX XXXX She told me on a recorded line, which can be retrieved for verification, that she could not handle my situation, even after I asked to speak to a manager in the Wealth Management Department. She told me she did not have their contact info but sent them an email to contact me.

Huntington is failing to honor their fiduciary obligation as my trustee of my trust, XXXX XXXX XXXX XXXX XXXX XXXX  managed at their bank since XX/XX/XXXX. Today 's request was to submit the bill of sale to the U.S. Treasury via the 1099a, 1096, and 1099OID. 

I want Huntington to honor their obligation as my fiduciary agent, knowing they already submit documentation to the Treasury on my behalf. 

Please let me know how this matter will be handled. 

Thanks. 

XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

This is regarding my Experian credit report. I was recently denied for a refinance loan on XX/XX/XXXX ( a have a private mortgage ) from XXXX XXXX based my credit history report from Experian. ( slow loan payments, bankruptcy, liens, judgments ) I don't have any of this. Also I'm trying to dispute one collection account on my credit report XXXX account was opened on XX/XX/XXXX. I have proof from my bank statements. Account was transferred to XXXX XXXX is being reported as opened XX/XX/XXXX Experian website is not allowing me to dispute because of article XXXX. my XXXX XXXX reported by Experian was XXXX .I have a recent copy of my credit report it shows XXXX? I tried contacting Experian to discuss the issue but I'm unable to connect to a live agent. I tried XXXX different tel numbers .The website experian.com/ help. Doesn't allow me to file a dispute .I also have another account that was dismissed in court by a judge on XX/XX/XXXX. ( XXXX XXXX XXXX account was transferred to XXXX XXXX XXXX ) I mailed the court stipulation to Experian via certified mail.and filed a dispute but still is showing as a charged off account on my credit report.with a balance of {$10000.00} also Experian is reporting XXXX of my accounts that where opened in XXXX as recent negative accounts.this is causing me a hardship because I live with a XXXXXXXX XXXX and I need this loan to secure housing.this are the tel # 's. I tried for Experian. ( I couldn't connect to a live representative ) XXXX. / XXXX there is no way to communicate my issues with Experian.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

Dispute of Debt and Demand for Contractual Proof I am writing to dispute the validity of the debt you are claiming I owe. I have never entered into a contract with your company or the original creditor. 

I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank closed a total of XXXX accounts. None of these accounts have ever been over 30 days past due. In addition, I previously filed a CFPB complaint regarding Synchrony closing my Lowes Account that I had over 18 years. 

For the Lowes Account ending in XXXX, Synchrony Bank sent me an electronic letter stating that they made a decision to close my Lowes account due to various reasons. I have been a Lowes customer for over 18 years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and XXXX acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with Lowes. I am asking that Synchrony either reopen my account or agree to a 30 % Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the 4 authorized users as well. Remove them from this account. I can be reached at XXXX. 

In addition to my Lowes Account, Synchrony also closed the following accounts : Sams Club - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : No reason provided. No letter received XXXX - Account Ending XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Care Credit - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay Ashley Furniture - Account Ending in XXXX Closed XX/XX/year> by Synchrony - Reason : Activity on account ( XXXX ) with Synchrony Banks indicative of high risk or failure to pay