davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Recieved several calls from  XXXX   XXXX  regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including  one that w ould be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: New Century Financial Services, Inc. (MI)

NEW CENTURY FINANCIAL SERVICES, INC. tried to garnish my wages   XXXX   within this letter it referenced a Docket Number   XXXX   XXXX   I researched NJ courts website and found that there was a Civil Judgment against me   XXXX   XXXX  . I had no knowledge of this judgment, I was never served, I had left the state of NJ   XXXX   XXXX   when I relocated to MI. I contacted several lawyers in   XXXX   to appeal the Judgement, and have it vacated. No lawyer would take my case " As it was n't worth it, as the alleged debt was {$460.00} and their fees would be in excess of {$2000.00} ''.   I wrote a lette  XXXX   XXXX   XXXX   XXXX   to the  XXXX  court to the presiding  XXXX  explaining my situation, I had this letter notarized and wrote a statement at the bottom stating that all the above was true etc. I submitted my  XXXX  form for  XXXX  from my employer in  XXXX  and a copy of my lease, reflecting my MI address.   The courts scheduled A WAGE EXECUTION Hearing   XXXX   XXXX   XXXX   XXXX  n front of   XXXX   XXXX   XXXX   XXXX  . I could not attend the court hearing and phone the judges clerk who advised me to submit a fax stating the reasons. I requested if I could attend via telephone, this request was denied. I believe the ruling was that the judge denied the wage garnishment, however when I contacted the courts, I was told that I had wavered my rights to know the outcome as I did not attend. I have looked on the   XXXX   courts website and as far as I can understand it was " Disposed ''??   I recently contacted the court and requested the case files, which I am waiting on.   Is there anything that I can do? I feel helpless, this has negativley impacted my  credit score . It will continue to be reported until  XXXX . I can not understand how this can go this far without my knowledge. I was never contacted regarding this debt prior to  XXXX . I have spent time and money trying to rectify this situation, all to no avail.   Thank you in advance for your kind attention regarding this matter I would like to state that during the  XXXX  years living at my  XXXX  address, my mail was always being mis-delivered as there was a similar address in the same city.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I moved from my last apartment on  XXXX   XXXX ,   XXXX  . I paid the bill we received in  XXXX  but nothing after that. However, I see that {$110.00} has been sent to collections and is a negative mark on my credit report. I called in  XXXX    XXXX   to close my account so I do n't know why I was ever charged for months that I did n't live in the apartment. I have a lease to prove that I was not in the apartment for the charges ( {$110.00} in  XXXX    XXXX   ).     I contacted  XXXX   XXXX  but they refused to do anything about it unless I could provide written proof that I contacted them to shut off my account in  XXXX    XXXX  . I did this over the phone so I have no  paper trail.
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION (NC)

Went to a consignment sale. Spent ov er 200. Left. Thought everything was fine. Boy was I WRONG! They  used the credit card machines where everything is done manually. But I was n't too worried. Now I 've spent  XXXX  for  XXXX  worth of merchandise. Recently started banking wi th BBVA COMPASS. Th ey had been great thus far. Then I had the misfortune of getting paired with  XXXX  ... ... she worked my dispute. The first time around she did hardly anything and came back and said she found nothing wrong. I threatened to file a complaint with CFPB and so she said she would reopen the investigation. But ... ... did n't come up with ANYTHING different. And still sided with the other party. I 'm very upset. The info that I used as EVIDENCE that I did NOT make the second purchase ... ... was the info she used to find that I DID! I provided her with my receipt. Explained I only si gned ONE slip. The other one was  done an hour later. I was long gone and heading for home. I did not do the other purchase. And had this been   XXXX   XXXX   XXXX   XXXX  or  XXXX  or  XXXX   XXXX  ... .my word and the info I provided would have been PLENTY to get the charges reversed. I work online for a living. And I deal with a lot of social media and referring. I definitely will be talking about Compass ... ... but it wo n't be a recommendation. Which is sad, because there are wonderful people that work there. Like  XXXX . He was wonderful!!     Anyway, I 'm opening this complaint in the hopes that I can get my money back. I 'm a single mom raising  XXXX  girls.  XXXX  of whom is currently  XXXX   XXXX . So I ca n't afford for there to be a  XXXX  ERROR that is n't resolved. Please help : ( I 'm providing all documents that I have gotten throughout the case. To try to expedite the outcome. And I 'm hopeful that whoever sees this next ... ... .can help to right the wrong. I 'm so upset by this.
Consumer complaint received 2017-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Comerica (PA)

I receive SSI. On XXXX XXXX, I received it as usual. I paid bills that XXXX. I went to XXXX to purchase a few items in the evening and found that {$900.00} had been withdrawn from my Direct Express account in an " IVR transfer ''. No name of who took the money. I was shocked and panicky. I contacted Direct Express and they are investigating via their fraud department and issued me a new card. Also I have contacted an attorney. Mysteriously, the funds reappeared in my account the following week, XXXX XXXX to be exact under the heading " credit adjustment ''. The woman I spoke to in the fraud department stated that my funds would not be returned until after the investigation so where did the money come from? Any way you can assist me with this will be helpful as this money is crucial to my survival and I ca n't afford this to happen again. Thank you.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out to XXXX, Transunion, and XXXX Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since XXXX and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX Thank you
Consumer complaint received 2017-04-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Lend Smart Mortgage, LLC (IL)

I have been trying to get a I-Refi loan since XXXX XXXX of last year! This is over 8 months ago and I am still waiting! The Loan Officer who is handling my loan application has not responded to my text messages or phone calls since the middle of XXXX of this year! I have even reached out to the government agency that is in charge of this program ( the program allows for homeowners who are upside down on their mortgage grand money from HUD to pay down up to $ XXXX of this. The agency in Illinois is XXXX ). 

Original the program calls for the consumer to put out only an appraisal of the home at a cost of {$400.00}. XXXX certified only a handful of loan companies for this program. One of which was XXXX. 
I have been through 2 appraisals of my home and one reinstatement appraisal because of these huge delays! I have paid out {$750.00} and the loan company has paid for the other appraisal. I have produced volumes of documentation over these past 8 months, verifying and re verifying every document they have requested!!! I keep getting the runaround. They keep blaming it on the underwriters, saying they keep asking for additional documents, etc. Each time I upload the request to the system something else is in question! I am about to XXXX out over this loan! I have kept every email, text message, and document I have been requested to produce. 

These unnecessary delays has cost me thousands of dollars over these past few months. Not only has the interest rate on my loan been changed from XXXX to XXXX ( thousands over the coarse of the loan, I have both disclosures ), but I estimate that based on a 2 month loan process I am losing {$450.00} a month. {$450.00} a month for the last 6 months ( {$2700.00} ) plus the additional {$350.00} reinstatement appraisal fee and the additional increase of XXXX percent on my loan is my financial loss. 

The name of the lender is XXXX in Illinois.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Bread Financial Holdings, Inc. (NV)

On  XXXX   XXXX , I paid {$1000.00} to my  XXXX   XXXX  card with Comenity bank. The language on the site says that payment posted prior to  XXXX  EDT will be posted the same day. On  XXXX   XXXX , i checked my account online and saw the {$1700.00} in available credit (  XXXX  previously plus  XXXX  payment ). When i attemped a transaction it was rejected. I call the customer service number and again was told I had  XXXX  in available credit through the automated system. The agent on the phone also said thay, but said it was " really '' available. I spoke with the supervisor  XXXX  in Kansas, and she said I would not have any available credit until the payment processed. I asked if there was anywhere where this was disclosed and was told no. She agreed that the wording on the website could be misleading, but I would just have to wait for the payment to process.
Consumer complaint received 2017-04-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

We purchased our home  XXXX   XXXX   XXXX . HUD assumed my mortgage  XXXX   XXXX   XXXX , and sold my Loan to Ocwen in an Alonge dated  XXXX   XXXX ,  XXXX . I had payed HUD  XXXX  for two years from  XXXX  till sale to Ocwen in  XXXX  which was a slight reduction from  XXXX  due to our  XXXX  losses. Ocwen says I only paid  XXXX . I have original letter head from HUD verifying  XXXX  ... their 's is not on H UD Letter Head ... .I hav e constantly had issues of harassment, they even tried to process a payment of  XXXX  thru my checking years ago, conflicting statements, a forced foreclosure resulting in having to pay  XXXX  to get back in good graces and now my loan is up  XXXX   XXXX  and they are saying I still owe approx  XXXX  have not asked for final payoff yet. There have been multiple other issues such as back posting, unsubstantiated late payment charges, property inspection fees, I asked to pay my own taxes they sent me  XXXX  checks from escrow but say they have no record of  XXXX  of them ... I cashed none of them ... switched me back and forth from Modification without approval and forbearance statements ... .and more. Thank you
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting acollection from   XXXX   #  XXXX , shows the original creditor as  XXXX   XXXX   . I  have not has  XXXX   XXXX  in ove r 10  yrs
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : ( first_ name : XXXX ) ( last_name : XXXX ) 2. PLEASE UPDATE MY ADDRESS TO : ( XXXX XXXX XXXX, XXXX, GA XXXX ) 3. MY ONLY SOCIAL SECURITY NUMBER : ( XXXX ) 4. MY ONLY AND CORRECT DATE OF BIRTH : ( XX/XX/year>XXXX  ) I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent ( bank statement/utility bill/ID ) for verification purposes, as required by the FCRA. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report, so that I may verify its accuracy. 

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency.
Consumer complaint received 2024-11-04
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. (IN)

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C section 602 A states I have the right to privacy. 15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written consent/ instructions.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Your failure to validate disputed late payments on my credit report violates federal law. Despite my written dispute over 30 days ago, you have not responded or provided required documentation as mandated by the Fair Credit Reporting Act.
Consumer complaint received 2024-11-04
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. (FL)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.