davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
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. (NY)

I noticed XXXX XXXX on my credit report - I do n't know what this is. I requested validation from them as soon as I saw it, ( send by USPS with proof, attached ). They failed to validate. According to federal law, if they do not provide me the validation information in a timely fashion, they can not hold me liable, especially when I have no idea what it is for. They have not provided it. 

I contacted the three credit reporting agencies. It was removed from XXXX because they failed to validate ... XXXX says they did validate, but they have not done so. 

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the agency, asking them to validate my debts, and the receipts showing that I sent these letter. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (TX)

Received an email on XX/XX/2018 and a phone call Discover wanted to verify the authorized users and I verified the information. I even used my account after we spoke and never knew there was a problem. I called Discover to ask them why I wasn't able to use my account, was informed that my account was closed and that they have the right to close my account at any time, without providing an explanation.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (VA)

I had repeatedly asked the company to send me proof that I owed the debt and they refused to send a letter stating they sent to to an old address. They also cursed me out, called me names and said I would be arrested if I didnt pay them. I asked for a certified mail to prove I owed the debt. The collectors sounded like scam artists and asked for my social security number, mothers maiden name, birth place and bank account information. They could not provide me full information of the debt and they refused multiple times to verify the debt with me and send me a letter so I could pay the debt with a money order and not my personal bank account
Consumer complaint received 2018-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I originated a home mortgage loan with XXXX XXXX XXXX in XX/XX/XXXX. The mortgage was transferred to Capital One when they took over XXXX XXXX XXXX. At that time I authorized an ACH payment to Capital One for the mortgage payment. On XX/XX/XXXX the mortgage was assigned to XXXX XXXX XXXX XXXX XXXX . I paid the mortgage off in full with a bank transfer of funds at XXXX XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX. I proceeded to Capitol One to close my checking account because XXXX XXXX XXXX XXXX. said they were going to take a payment from my Capitol One checking account. I did not authorize XXXX XXXX XXXX XXXX. to take a payment and have not given them any banking account information. Capitol One refused to close the account and said they were going to charge a non sufficient fund charge should XXXX XXXX XXXX XXXX. attempt to take a payment out.
Consumer complaint received 2018-08-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NY)

XXXX client, XXXX XXXX is a victim of identity theft. While reviewing a credit report he found a fraudulent inquiry from Nationstar bank being reported to his XXXX and XXXX credit reports. This inquiry was made XX/XX/2018 and was done without his consent. In addition, his current home mortgage with Nationstar was accessed by the fraudster who then started the process of a home equity line of credit while on the phone with an agent from Nationstar ( Mr. XXXX XXXX ). Mr. XXXX never made direct contact with Mr. XXXX to verify if this activity was authorized even though my client has a 7 year fraud alert on his credit report. My client was made aware of this activity only after the finalized documents arrived at his home for him to sign and return.
Consumer complaint received 2018-08-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: National Enterprise Systems, Inc. (SC)

On XX/XX/2018, National Enterprise Systems ( Ms. XXXX XXXX ext XXXX ) called my employer without my permission attempting to collect a debt. I never have spoken with them to give them acesss to call my employer. They are causing me distress at work. They have threatened me while at work. They continue to harasses me.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

My Balance on my XXXX XXXX Credit Card was {$1000.00}. I decreased the balance to {$200.00}. That is a Decrease from 100 % to 20 %. I got an alert from experian of this change and my score dropped 5 Pints.. I contacted Experian and spoke with XXXX and she was not able to give me a reason that this happened.. This is a Big issue.. If my Balance on my credit card increases they drop my score now if I pay my balance down on my credit card they drop my score as well.. This just is n't correct and there needs to be some type of investigation into this credit bureau. 

There is something fishy going on for this to happen.
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One has not provided requested info which includes their PHYSICAL mailing address for notice of small claim suit as well as name and number of their legal council. I've requested this information numerous times via complaints to CFPB, a XXXX XXXX replies with a web site address, does not provide PHYSICAL address or name and number of their legal council. The small claim suit is regarding a stop payment on a close out check in error on end of Capital One, reissued and intercepted by a third party, cashed fraudulently in my name. Capital One has my signature on file and is well aware the signature on check is not mine, insists the person whom cashed check lives at my address and is related, does not have proof funds were received by myself, which they were not. The total amount involved is XXXX, XXXX XXXX refuses to do anything further, thus need for small claim suit. In her last reply to CFPB, she stated she will not keep replying but refuses to provide a physical mailing address ... She provides her number in correspondences but does not return calls, a total of seven ( 7 )  messages left, none returned..The CFPB might be able to step in this matter to assist in resolution ...
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.
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 items listed below still remains 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 verifiedthat these items are being reported correctly? Who verified these items? 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 items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

I have multiple student loans that were consolidated with Navient. After struggling to make payments I chose a deferment on my account. Once the deferment was over 1 payment would come out every month automatically but apparently another wasnt set up for autopay. I did not know I had missed multiple payments until they started harassing me about my account. Because I had missed multiple payments of 400 or more dollars a month I was unable to get caught up and my loan defaulted. So now I am rehabilitating my loan to get it out of default and hopefully off of my credit report. As soon as I am done rehabilitating my loan I will be switching companies.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I have wired {$5000.00} USD to XXXX to make a deposit on XX/XX/XXXXXXXX XXXX, 2018. I have received confirmation from my bank at XXXX XXXX XXXX that the amount has left my account and sent to the recipient 's bank account at XXXX XXXX XXXX. XXXX claims the deposit should be credited to my XXXX account within 2-3 hours ... Coinbase claims it should be credited within 3-5 business days. However, I deposited to my XXXX account and regardless, it 's been over 3 business days. I have filed a support ticket with no response for 3 days, and have filed an escalation to no response as well. I have not received any reply from the parent company Coinbase or XXXX regarding this. A wire reversal has not even been issued. I just want my money back now. 

XXXX Case # XXXX
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (TN)

On XXXX-18, I opened a checking account with the promise of a {$200.00} bonus ( https : //info.regions.com/regions/18/hhg/cashoffer/campaignlp/index.html? promo=200PD18Q3 ). 

I later opened a savings account and was promised a {$100.00} bonus if I made regular transfers for six months. 

On XX/XX/2018, I received a form letter from XXXX XXXX with Regions Bank : " We are unable to verify certain information '' and requesting a copy of a Lease Agreement, Mortgage Statement, or current utility bill. I am currently living in a XXXX XXXX  home, so have none of these. Does this mean Regions no longer wants my business? Please explain why you would threaten to close my accounts if I don't provide documents I do not have. I think the answer is simple : Regions is trying to avoid paying me the {$200.00} promo they promised me when I signed up -- for shame REGIONS! 

I spoke with XXXX. She tried to help, but, alas the bureaucracy wouldn't allow it! She assures me that the letter wasn't an attempt to deprive me of my bonus. She stated that it was generated when a Regions person accidentally entered a PO Box as my physical address, and that it had been fixed. I asked for a letter verifying that it was fixed and my accounts would not be closed, but apparently that isn't " policy, '' so can not be done. 

They were quick to put their threat to close my account in writing, but can't give me any assurance that it is fixed in writiing -- how is that fair? Shouldn't everything about a business relationship be able to be put in writing -- at least as long as everyone is dealing in good faith? 

I still think they are trying to avoid paying the {$200.00}
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

On XX/XX/2018 at XXXX I received an email stating that my Bank of America ( BOA ) online banking ID was looked up. At the time I was watching a movie with friends,. At XXXX I received an email that my password was changed. At XXXX XXXX my banking ID was used to sign into XXXX ( I had no idea about XXXX prior to this event ). At XXXX XXXX was added as an option for future deposits from my checking account. At XXXX XXXX , XXXX  was added as a possible recipient. At XXXX money was sent to XXXX , XXXX . At XXXX XXXX money was sent to XXXX, XXXX. At XXXX XXXX money was sent to XXXX, XXXX. Around XXXX I received, what was apparently a fraudulent call from Bank of America , ( same number as BOA - I looked it up because they called multiple times ) and they informed me that they suspected fraudulent activity on my account. I provided them with no information over the phone, they told me my email, House address, and phone number and then informed me that they needed to do one last thing to verify that I was who I say I am. They sent me three verification codes via text message, told me I should freeze my accounts and close my card and they would transfer me. The call was disconnect and I called Bank of America back and they informed me that someone had talked to me from Bank of America today but no information was documented. It wasnt until they asked me to verify who I was through text that they realized that I had been a part of a fraudulent case. Lastly, the verification code from the real BOA was in the same text as the impersonator.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

i received a statement by mail for {$4100.00} amount owe and on the statement there are no itemized charges at all, i have called many many times asking to give me a statement of charges and they are refusing
Consumer complaint received 2017-10-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i received rejection notice on credit card request with bank i just opened checking and savings accounts with. 
the information they provided leaves some questions as to what is going on with my credit report. 

the report was done by transunion. 
my credit score has dropped almost 50 points. 
I call the number that the bank gave me for transunion. 
as usual, from previous calls to them, you can not reach anyone to discuss you credit info with. 
I was one of the people whose credit files were breech with XXXX. I need to find out if someone is trying to use my social security number to open credit accounts or other things as indicated by the info bank provided. 

I can not reach anyone at any of the credit bureaus. 
Also, all they are trying to do is sell credit protection policies. 
I was asked if i wanted to enroll in a credit protection policy at least twice during the call. 

I need help in regards to stopping fraud and stealing of my credit info, but as i said, you can not reach anyone live at any of these credit reporting agencies. 
I have tried four to five times already
Consumer complaint received 2018-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Please refer to the attachment on all payments made to the collection agencies through Navient Student Loan Company. Per speaking with a representative on XX/XX/XXXX and receiving what is known as a " Statement of Purchased Account '' I was informed that my account was charged off with XXXX ) XXXX XXXX Corporate Office Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX from XX/XX/XXXX up until XX/XX/XXXX. Then with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX from XX/XX/XXXX up until XX/XX/XXXX. I have also been informed my account is now with a company by the name of XXXX XXXX XXXX contact number XXXX ( Rep that can be spoken with is according to the representative XXXX and the rep that is handling account is XXXX XXXX ) My issue is that XXXX XXXX XXXX is they are unable to communicate to me what my interest on the account was prior to any of these accounts being charged off or what my interest rate was upon making the 1st payment to XXXX XXXX. I will need this matter investigated. My next issue is that I was on what as known as a " Reduced Interest Repayment Plan '' with the two previous collections agencies. Upon speaking to  XXXX XXXX at XXXX XXXX XXXX ( new charge off agency 3rd one now ) he stated that my balance with them if I would like to set up payment arrangements is now XXXX. How this is possible when my balance according to the " Statement of Purchased Account '' from Naviant was {$15000.00} with a 0.01 % interest back in XX/XX/XXXX. I feel as if Naviant has unfair business practices and this matter needs to be further investigated with proper documentation on how my balance is steady jumping up with a Reduced Interest Repayment plan with the 2 prior charge off agencies. In addition I would like a valid explanation to why my loan is continuously being charged off from one collection agency to the next after attempting to make payment arrangements and pay off my debt. It's not fair that it's communicated that one large sum has to be taken as XXXX did back in XX/XX/XXXX for {$270.00} then my interest rate will be close to 0 % to have me set up arrangements then upon paying it's sold off again and the entire process has to start all over. It's not fair that when the process has to start over that I'm looking at approximately 2k in addition to what my original balance was initially.
Consumer complaint received 2018-08-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (WI)

My loan reached maturity in XX/XX/2018 with a balance still remaining. There is still a little over {$7000.00} owing on the mortgage. I have attempted to contact XXXX  and have been told that I do not have any options other than to pay the entire remaining balance. I can not afford to pay over {$7000.00} at one time.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

THIS IS NOT MINE. EQUIFAXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}