davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are TransUnion, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX is in clear violation of this law. XXXX XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX XXXX has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP (NY)

Last night I received a report from a credit monitoring service that I maintain, that said I had a hard inquiry made to my credit report and it cuased my credit score to take a dip. I am alerted when this happens as I like to maintain excellent credit and want to be on watch for fraud, identity theft and other issues. 

An organization by the name of " US Bank Consolidated '' made an inquiry on XXXX XXXX 2023. I did not apply for credit with this bank. Its lists an address of XXXX XXXX XXXX XXXX XXXX, ND XXXX. I have disputed this on my XXXX account but it is concerning. 

That was followed up by an email to my email account this morning claiming that I opened a credit card. It said : " Congratulations, XXXX, on your new credit card! You have been approved. To get the most out of your card, enroll in online banking or download the U.S. Bank Mobile App. The app lets you move money around effortlessly, lock and unlock cards, pay all your bills with one secure password, and so much more. You can even bank by voice or text with the U.S. Bank Smart Assistant. Download our app today. 
Download on the App Store, Get it on XXXXXXXX XXXX About your new card : Your card will arrive by mail in about 7 days. Be sure to activate it that will boost your cards credit line to {$2000.00}. If you requested a balance transfer, youll receive a letter with information about your request. Thank you for choosing U.S. Bank. '' When I tried to call the number for US Bank, it asked me for the last four digits of my social security number so I hung up. 

When I looked at my credit file it appears that yesterday someone also tried to open a credit account with Bank of America, also on XXXX XXXX 2023. That was another hard credit inquiry. That address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I am disputing this one as well on XXXX. 

I XXXX " US Bank '' as I had never heard about them and found out that after a five year investigation your organization ( which is how I learned of the existence of this organization ) fined them millions of dollars for making unsolicitaed/unapproved hard credit inquiries and opening credit facilities on unsuspecting consumers. I guess they are at it again.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

From XX/XX/year> to XX/XX/year> Clarity allowed fraudulent inquiries to obtain credit under my name and social. 
XXXX XXXX  and net credit are the other ones that I did not authorize. I am trying to build my credit and once I got it to around XXXX someone without my permission started trying to open accounts daily, weekly, and monthly. I am trying to get them removed and the company will not help me.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (MD)

My husband XXXX XXXX had a Care Credit account in his name, I was never listed on the bill or had a card in my name I was an authorized user. My husband passed away in XXXX of this year with no assets there is no estate or probate. I sent a letter to the company with a copy of the death certificate and notified the there are no funds to pay this bill and ask them to close the account. Instead they put the account in my name without my permission and are now holding me responsible for the bill over {$8000.00}. Bill collectors calling day and night. I spoke to someone in customer service today and explained the situation again and was told that it was a joint account - I asked for proof - it will take 40 days to mail me a copy of something showing that i am responsible for the bill. They wo n't put a hold on the account until I get that info and the late fees keep adding up and they told me I would be reported to the credit reporting agencies. I can not pay this bill and Care Credit. In XXXX Care Credit became associated with Synchrony bank and sent new cards - this time there was XXXX for me that I have never requested and have n't This compnay will not work with me any way - they want their money and that 's it. I need help. I consulted an attorney through my legal services plan and he advised me that I am not responsible for debt that was in my husbands name or any debt that has me listed as an authorized user or secondary name.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL (OH)

Since XX/XX/1996 I have had a XXXX Credit Card through Chase. I want to keep my card with Chase. Chase has been great with fraud detection and the site is easy to use. Customer Service has been outstanding. I have built up a XXXX year great credit history. 
I received a letter last week that Syncrony Bank is taking over the XXXX rewards card. I do not want to switch. I called Chase and requested to switch my account to another chase card. Chase said that I can not do this anymore because the accounts are going to XXXX Bank. My only option is to open a new account. I do not want a new account. XXXX Bank and XXXX gave no notice about this. I would have switched my account when I could but I had no idea that anything was changing. We should have been given at least a 60 day notice period to stay with chase with a different credit card and keep the credit history in tact. I have no loyalty to XXXX. I want to switch my Visa Siganture card to another Chase Reward card and keep my credit card history and stay a Chase Customer.
Consumer complaint received 2015-07-18
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (WA)

Banana Republic Credit Card Services intentionally obfuscates the process for changing your automatic billing. Whenever you try to change your autopay ( no matter how far in advance of the payment due date ), it cancels your your previously scheduled autopay but does not put in place your newly requested payment amount until the next scheduled payment. Banana republic does not clearly inform you that no payment will be taken out on the next payment due date until XXXX day after the payment is due. This has resulted in fees. Secondly, Banana Republic took out XXXX payments this last month : XXXX was the payment I authorized for the full amount due. The other was a separate billing for {$750.00}, which I did not authorize. When I called customer service, they could not inform me why this second payment was taken out. The second billing caused my bank account balance to go negative and caused me to incur an overdraft charge from my bank. Banana Republic refused to refund my money unless I went down to the bank and got them to fax over a form confirming that they had accepted both charges, despite the fact that Banana Republic was crediting my account with both charges. I finally ended up cancelling my card. Banana Republic would not refund the overdraft fee the bank charged me.
Consumer complaint received 2015-07-18
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (TN)

I had a credit limit of {$3000.00} on a Barclay Visa card. I co-signed on an auto rental with a temp subcontractor for a one-week term. After 2 weeks I received a call from the auto rental reminding me the auto was due in. The person that had the auto assured me that after the first week, he would return. I could not make contact and when I received call from rental agency at end of week three, I suggested that it should be reported as stolen as I could make no contact. That was in XXXX 2015. With no charges from the auto rental until XXXX XXXX, there were XXXX charges added to my card which put me over the credit limit, imposed by the issuer, a XXXX dollars. I called Barclay 's help line and was told the credit limit was not enforceable. Then I requested that a hold be put on my account, thinking that would prevent any more charges. Then on XXXX XXXX, there were XXXX other charges from the auto rental for some {$3200.00} which then exceeded the credit limit by some $ 4,000+. I was more than shocked and called their help line and was told that a hold would only stop the card working if it was swiped, but would not stop other charges coming thru their system. I then cancelled the card. I sent a fax and XXXX letter to Barclaycard to file a dispute on XXXX XXXX. On XXXX XXXX I was sent a letter in response that indicated they could not further pursue because they tried to call me twice on XXXX XXXX. There is no record on my cell phone of any call attempts from them. The letter was generic with NO NAME or contact number or email other than their Service Center # that could do nothing to assist me.
Consumer complaint received 2015-07-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NE)

The name of the company is XXXX. They have a bill for collection in my name for the amount of {$530.00}. There is absolutely no way that this bill should be this high. That is a huge lie. They are taking advantage of whomever they may. I would settle with them for {$200.00}, plus have them removing the information out of my credit report. These big corporations are like wolves.
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: EMBRACE HOME LOANS (DE)

Embrace Home Loans Mortgage Company and XXXX XXXX XXXX XXXX fail to address my request for PMI removal. Attached is my XXXX XXXX, 2016 letter which outlines the correspondence I had as well as documentation that had been provided to Embrace. 
In response to my XXXX XXXX, 2016 letter I received a call from Embrace on XXXX XXXX, 2016 which I returned the following day. During the call I was informed that my PMI removal request was again denied. During that call, I was told I needed to provide information related to significant improvements and that I needed to authorize an appraisal. This request for information is consistent with the mortgage insurance removal request form Embrace provided with their letter dated XXXX XXXX, 2016 in which I provided in my XXXX XXXX, 2016 letter. I informed the Embrace representative that information on the improvements as well as authorization to proceed with an appraisal had previously been provided to Embrace in my XXXX XXXX, 2016 letter. When I pointed out to the representative that I had already provided the requested information and authorized an appraisal the response was that the representative merely received notice that my request had been denied. 
I requested a written response from Embrace during the XXXX XXXX, 2016 call and was told I would receive a written response from Embrace within one week. I have not received a response.
Consumer complaint received 2017-01-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (GA)

Received a letter from Convergent Outsourcing , Inc and XXXX regarding an account they purchased. The amount they are attempting to collect is not what the charged off amount reporting to the credit bureaus is. They have raised the amount to try and collect more money in which the amount of debt is not for.
Consumer complaint received 2015-10-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (FL)

XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX/XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.
Consumer complaint received 2016-08-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Nelson and Kennard (CA)

Dear cfpb, after the real estate market crashed in XXXX XXXX California in XXXX, my husband and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were brooke.. Our new jobs could not cover our credit card payments and eventually, we were default on all credit cards and mortgage payments. I had also used my XXXX card to pay my XXXX. So after I became default with my credit cards by XXXX and XXXX. XXXX sold one of my credit card debts to Nelson and Kennard Attorney at law / XXXX XXXX XXXX XXXX. And XXXX XXXX file a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from my bank accounts various times leaves me without money to pay my modification mortgage or utility bills or groceries. They have continuously caused me tremendous pain and sufferings. It appears that XXXX have had some agreements with CFPB and state attorneys general. But because XXXX sold this account to the collection before coming to an agreement with CFPB or the attorneys general, this collector continue to drain my account. Previously, they have taken over XXXX and now on XX/XX/XXXX, they have taken {$2200.00} from my account ( this is my mortgage payment ). Now I am devastated. Please help me
Consumer complaint received 2016-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DCN Holdings Inc. (FL)

Accounts Receivable XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The above debt collector has called my countless times and is not sending letters to my home regarding a debt they claim is owed to a gym. I explained to this company this debt is not owed as I had a month-to-month membership which I cancelled in 2012. This debt collector is also unable to produce any evidence this debt is owed.
Consumer complaint received 2016-12-23
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (NC)

My Mortgage discharged in bankruptcy in NY and after that was discharged BSI Financial obtained the mortgage from XXXX and then began attempting to collect on the mortgage from me. I went through a Deed in Lieu with BSI so it they could register the deed in XXXX NY, which they did in XX/XX/2016. BSI is falsely reporting the mortgage as defaulted with a balance due in my name to the credit agencies. I have contacted them numerous times to have this reporting corrected, however they still have not done so.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I was going to write this in a written letter but seeing as how I am getting multiple first notices, I will respond through the CFPB. The reason why XXXX never received their payment for the selected dates were that I blocked XXXX from taking out of my account. All domain names were paid for the year and all other services were canceled except for XXXX website that was being paid out of my personal account until I switch everything to a new hosting service. XXXX attempted to charge my company, XXXX XXXX XXXX for over XXXX dollars and my bank will testify to this if they need to. There is no one is n't the world that could have a XXXX dollar bill with XXXX, if anything is reported on my company negatively reguarding this issue, I will sue Complete Payment Recovery Services and XXXX for illegally trying to steal money out of my account and from my company. This is the only warning, cease and desist or I will see you in court.
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

The debt in question was paid in XXXX 2014 and is still being reported to the XXXX gathering agencies as an open collection account. Proof of payment has been provided to the agency and they have failed to respond or correct the reporting. The accounts being reported as a balance owed to XXXX XXXX XXXX XXXX but the balance was paid to ChexSystems XXXX, who XXXX XXXX XXXX XXXX referred the matter to as well, meaning the same account was referred to XXXX ( XXXX ) separate agencies for collections, which I believe is defined as overshadowing.
Consumer complaint received 2015-07-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CDI Affiliated Services, Inc. (ID)

CDI is trying to collect debt which is not mine. I am not liable for this debt. I did not sign, oral, or implied to be responsible for a work related accident. I was ordered to have the ambulance my former employer called, when toxic chemicals were released in the workplace. I did not call the ambulance for service. I since recovered and all medical bills have been paid for this work related accident by the insurance, however, this creditor " XXXX XXXX XXXX " did not file a lien against the workers compensation case to get paid. I gave them all the information and yet they did not file a lien and said they have no one in the office that knows workers compensation procedures. I even sent them the forms to file a lien and told them when the case is closed the insurance must pay them before the case can be closed. They did nothing and now they are coming after me for their incompetence. They insist that I must pay and threaten me with legal action, and ruining my credit. I asked them to remove them adverse erroneous information from my credit report but they do not.
Consumer complaint received 2015-12-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credence Resource Management, LLC (IN)

Have been called nearly 15 times by Credence Resource Management ( phone : XXXX ) with no attempt to leave a voicemail. I returned call and asked who they were, and they said they were not allowed to tell me without me giving me them my name and information first. I said that was not true and they were required to tell me if this was a chance to collect a debt or even simply what their business did before I gave them personal information. He kept saying " I will not. I will not. '' I said my stepfather works for a debt collection agency and I interned there so I know the rules and ethics. He said, " good for you, but I 'm not saying anything until you give me your name and address. '' Completely rude, unethical, illegal, and harassing as they have called nonstop without voicemail ( even a simple voicemail just disclosing a number and to call back )
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: The CMI Group, Inc. (IL)

I JUST RECIEVED THIS NOTICE TODAY ABOUT THAT STUPID {$420.00} XXXX BILL, EXCEPT IT 'S WITH ANOTHER DEBT COLLECTION COMPANY!!!! XXXX!!!!! I CALLED THE COMPANY AND THE REPRESENTATIVE THAT I TALKED TO TOLD ME THAT THEY WERE GON NA HANG UP IF I DID N'T QUIT BEING FRUSTRATED!!!!!!!!! I STRAIGHT UP TOLD HIM THAT THE POLICE DO NOT DO ANYTHING ABOUT ID THEFT, AND THE GUY TOLD ME THAT THEY DID ... .NO THEY DO N'T!!!!!!! UNLESS YOU 'RE FAMOUS AND YOU HAVE MONEY!!!!!!!!!!!!!!! THEY ALSO THREATENED TO PUT A DEROGATORY ACCOUNT ON MY CREDIT BUREAUS AS WELL!!!!!!! I HAVE ALREADY TALKED TO THE XXXX POLICE AND THEY DID NOT DO ANYTHING!!!!!!! SO I DO NOT WAN NA HEAR ABOUT FILING A REPORT!!!!!
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Linebarger Goggan Blair & Sampson LLP (TX)

The City of XXXX, Texas is attempting to collect " outstanding balances '' owed on traffic tickets. The city indicates that because this is not a " consumer debt '', e.g., a credit card, it may use the threatening collection tactics and communication ( issuance of an arrest warrant, towing or booting vehicles ) as a lawful means to collect. 

The City also threatens forwarding the unpaid account to a collection agency and increasing the balance owed by a usurious interest amount of 30 %. 

The City of XXXX is also attempting to collect debts older than 4 years old, but does not disclose to the individual i the notice letter that the debt may be " uncollectable '' as a result of the expiration of a statute of limitations. 

However, the City is attempting to collect using other threatening means. The City of XXXX argues that this debt is not covered by FDCPA because it is not a consumer debt and has cited federal court authority ( see attached ). However, the vast majority of these individuals face the lose or suspension of their driving privileges, a right and necessity many MUST have in order to work and support their families. Therefore, this action raises constitutional concerns regarding the loss, suspension or deprivation of a necessary right without due process of law..
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credence Resource Management, LLC (IN)

I disputed a collection company by the name of diversified and they removed it over a month ago cause they could not validate the debt. Last night I checked my report and there is another debt collector by the name of credence resource manage on there saying I owe them. Which they did not notify me that they were going to put back on the debt.
Consumer complaint received 2016-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC (PA)

Shellpoint has denied my request to modify my mortgage claiming non receipt of requested documents, and also responded to a previous complaint to cfpb that I did not supply docs. Not true, all faxed and mailed multiple times. I refaxed and mailed XXXX pages yesterday again!. Included were multiple letters from them acknowledging receip of requested docs