davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called Diversified Consultants IN, account number XXXX and XXXX XXXX XXXX, account number XXXX. XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX but they did not. I tried to explain to XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,
Consumer complaint received 2024-10-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (PA)

This is my second complaint, and it requires prompt resolution. Incomm or XXXX had XXXX months to validate the transactions and they haven't. The law states they have to provide proof of purchase for the XXXX XXXX XXXX XXXX transactions totaling {$240.00} or credit that amount back to the card. It has been XXXX months, and there is no valid justification for this delay. Should they fail to provide the necessary proof, my account must be credited without further delay. Charging {$240.00} without substantiation is unacceptable, and unnecessary delays and inconveniences should be avoided. The Office of the Comptroller of the Currency has made little progress, so if escalation is necessary, please refer the matter to a department that can request proof of purchase and apply pressure if they can not provide it. If proof can not be provided, a credit must be issued to my account. Further time is unnecessary ; they have had ample opportunity. Proof of purchase or credit should be furnished within XXXX hours.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (MI)

To Whom It May Concern, I am writing to formally dispute the alleged late payments reported by Discover on my credit report. I demand the immediate removal of these erroneous remarks, as they violate several of my rights under federal consumer protection laws, specifically under 15 U.S.C. 1666b and related provisions.

1. Violation of 15 U.S.C. 1666b Timely Notice Requirement Under 15 U.S.C. 1666b, creditors must provide written notice to the consumer at least 21 days before reporting any alleged delinquency. In this instance, I never received any such notice from Discover prior to them reporting these alleged late payments on my credit report. This failure to provide timely notification directly violates my rights, rendering the reported late payments unlawful and unenforceable. Discovers failure to follow this statutory requirement demonstrates a disregard for federal law and consumer protections, necessitating the immediate removal of these derogatory marks.

2. Failure to Remedy Dispute FCRA Non-Compliance This is not the first time I have raised concerns about these erroneous late payments. Previously, I addressed this issue directly with Discover, and they responded by adding the remark, " Account information disputed by the consumer, meets FCRA requirements, '' to my credit report. This response is both insufficient and evasive. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i obligates Discover to conduct a thorough investigation and correct any inaccurate or incomplete information. By failing to resolve the dispute and instead relying on an insufficient generic statement, Discover remains in violation of the FCRA. This further compels the removal of these inaccurate late payment reports.

3. Verifiability of Information Under FCRA 1681e ( b ), credit reporting agencies and furnishers must ensure that all information reported is accurate and verifiable. The alleged late payments in question remain unverified and unjustified, as Discover has failed to provide any verifiable evidence to support these claims. Their inability to remedy this issue or offer legitimate proof of delinquency calls into question the reliability of this information. I demand that the CFPB enforce Discovers legal obligations to remove these unverifiable and incorrect late payments from my credit report.

4. Impact of False and Defamatory Information The false reporting of late payments has caused significant damage to my credit score, which can result in financial harm and reputational damage. These actions, especially after I have formally disputed the account, amount to potential defamation, in violation of my rights under FCRA 1681h ( e ), which provides protection against false and inaccurate reporting that could cause harm to the consumer.
Consumer complaint received 2018-11-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Real Time Group, Inc. (AZ)

The compliant is with XXXX XXXX XXXX a company that holds a second mortgage lien on our property. A chapter XXXX bankruptcy was filed in XX/XX/2009 which discharged both the first and second mortgages. We have continued to pay the first mortgage but not the second at the advice of our lawyer at the time of the bankruptcy. Neither the first or the second mortgage was reaffirmed. We have tried to work with Real Time through  XXXX XXXX and have offered Real Time a {$22000.00}. settlement to release the second lien. Real Time advised both myself and XXXX they would accept the {$22000.00}. and would send the contract to XXXX. The loan was changed from a HARP loan to a conventional loan and the home was appraised at XXXX. The current amount owed on the first is about XXXX and quicken was going to approve a loan of XXXX ( 80 % ) of the appraised value to pay off the first mortgage, pay closing costs and pay Real Time the XXXX. Real Time also stated they would be sending a contract to quicken to complete the loan. Real Time did not send the contract and now the Real Time rep states he did not agree to XXXX and now they are saying they want XXXX to release the lien. Neither XXXX or myself can do this and XXXX cancelled the loan. I discussed the matter with the XXXX Rep and she said they did tell her they were going to accept the XXXX settlement which is why XXXX proceeded with the conventional loan process. I believe a good faith offer was made to Real Time based on what I was able to do working with XXXX. Both XXXX and myself were told the offer was accepted and we have E-mails between XXXX and Myself stating they agreed to the offer. 
If the home 's value continues to appreciate and I keep making my mortgage payments so I believe it will, I believe Real Time will try and foreclose when they feel there is enough equity in the home to justify them Paying off the first. I believe they have acted in bad faith and failed to honor a verbal agreement which has caused severe stress on myself and wife and caused a loss of funds and many more work hours for XXXX XXXX  to try and complete a loan they had approved based on information they received from Real Time.
Consumer complaint received 2024-10-03
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Olympus1 LLC (CA)

I signed up with Alleviate financial solutions in XXXX, XXXX. With the understanding that they would negotiate to get settlements on my debts for less than the amount owed and that legal services were a part of the program in case of lawsuits. My understanding was that usually clients in California in particular would be qualified for a fixed rate loan after about 12 months in the program. Since enrollment I have made every payment as I agreed at the start. In the past 18 months, I have been sued twice, and had judgements against me both times for the full amount owed plus legal fees. I even ended up with my wages garnished. 
In XXXX of XXXX I was informed that my amount owed was sufficiently low enough that I could qualify for a loan. Since that time, due to Alleviate not turning in my paperwork in a timely manner, I have timed out of the ability to apply for that loan now. I was connected with another loan provider and denied a loan due to several different issues, including too high balances. I was then informed that Alleviate had no influence or ability to facilitate these loans and if I just waited another 90 days I could reapply. Since part of the denial was based on the balance of debt, I called the client satisfaction team today, XX/XX/XXXX to request that Alleviate use my funds they are holding in my account to pay off a couple of creditors. I was informed that I could not make that request that the accounts had to be negotiated. I have requested multiple times to communicate with the negotiators and to close out the accounts as soon as possible. Every time I call, I have to request that the person I am speaking with review my account and even then nothing is resolved. I am paying 25 % of the original debt as fees to Alleviate and monthly fees for the legal services and custodial services. I want to get out of this program as advertised and use the money they have to make that happen
Consumer complaint received 2024-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (WA)

This is a qualified written request under RESPA and an error resolution notice under 12 CFR 1024.35. Re : Garn=St. Germain Depository Institutions Act, 12 USC 1701 ( XXXX ) My father passed away XX/XX/XXXX. I inherited his home. I have been making payments on time every moth since XX/XX/XXXX. I reached out to XXXX XXXX aka XXXX XXXX and informed them in XX/XX/XXXX in writing that I'm assuming all of the obligations under, ad will be bound by the Note and security interest and will be occupying the property as my principle residence. XXXX XXXX confirmed the mortgage was assumable. I completed the Mortgage Assumption Application, provided copies of death certificate, copy of the will that's in the courts of XXXX XXXX, WA, a copy of the assignment of the deed of trust transferring ownership to my name. XXXX XXXX was set to send me the documents to be signed XX/XX/XXXX. I then received a notice that the loan was being transferred to Fay Servicing beginning XX/XX/XXXX. I have attempted to speak with someone in the Mortgage Assumption Department in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been given conflicting information regarding the mortgage assumption. The last employee I spoke with informed me that Fay Servicing doesn't do Mortgage Assumptions and refuses to help me in this stressful time and during the difficult loss of my XXXX. I need this to be resolved ASAP! I have attached all supporting documentation required by law.
Consumer complaint received 2017-04-13
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: BCA Financial Services, Inc. (FL)

i got a call from XXXX the man said My Name : XXXX XXXX XXXX i said whos calling please he said No i need the last XXXX digits of your Social Security Number and then ill tell you who i am! I said NO you will tell me who you are and what company your calling from sir before I 'll release any information to you! he said NO i will tell you that after you confirm the last XXXX of your Social Security numbers! i said NOT happening your NOT getting my personal information, i do not know who you are and what company your calling from so tell me that please! He said again No mame i need you to confirm the last XXXX of your Social Securtiy numbers so i can confirm i have XXXX XXXX XXXX on the phone! I said NOT HAPPENING SIR. GOODBYE IM REPORTING YOU! i got very upset knowing this could be a identity threat call so i blocked the number and told my husband cause im elderly and XXXX both. my husband unblocked the number and called it back to see if someone would answer and he could find out who these people where harassing me for my social security number. they answered B.C.A. finacial services and told my husband this number we have for your call is XXXX XXXX and give us the last XXXX of her social to confirm its her! my husband said NOT HAPPENING thats illegal to not disclose who your calling for and your name sir and he told my husband it was a financial matter meaning a collections for a dept. well my husband told the man that he was reporting them. i looked at XXXX of my collections papers that 's all i owe as of now and i did have on for BCA financial services, Inc a debt collection company for {$75.00} but the numbers to contact them on their paper is XXXX or XXXX not the one that called me and this is for a old emergency bill for XXXX. original creditor. for XXXX there address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Florida XXXX im really concerned that someone can just call and ask for your social security number. he did said it was a recorded line. I got the call on my XXXX cell phone number. My other concern is that people who go into collections from that nice hospital here can have their identify information possibly stolen. Thank you for your help and concern in this scary situation. XXXX XXXX you can reach me at XXXX or XXXXXXXXXXXX
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (IL)

On XX/XX/2024 I have sent a company a copy of the judgment from the case XXXX ( XXXX XXXX FNBO ) by both regular mail and to email that was given to me by FNBO XXXX ( XXXXXXXX XXXX XXXX ). 
To this day I received no payment as dictated by XXXX  XXXX and the company did not appeal the verdict within the legally mandated 30 day period.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (CA)

I receive d a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-11
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (SC)

On XX/XX/2017 I deposit a check drawn on XXXX {$7000.00} into my TD Bank account. A few days later the funds posted and I attempted to make a withdrawal, the Teller informs me that the funds are on hold. I disputed and she investigated. The TD Bank Teller informed me that the funds had been reversed and that XXXX was not advancing the funds. I prosecuted the check writer on yesterday for bank deposit fraud. After reviewing my statement the {$7000.00} funds did post to my account but there was an unauthorized withdrawal in the same amount without my permission. Subsequently my account was closed. I want to pursue every remedy against the Bank to recover the {$7000.00} funds XXXX
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (MI)

The holder of my mortgage refuses to eliminate the PMI from my mortgage with out an appraisal, even though my LTV is less than 78 %. I 've gone around with them on this a few times, and nothing has been resolved.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC (MA)

I am having issues trying to get a payoff letter of my Shellpoint mortgage. Customer support said they have no way of escalating, no way of communicating with other team which handles payoffs, and no way to communicate issues/problems internally for improvements/enhancements. 

On XX/XX/XXXX, I asked requested payoff amount online, to be delivered via web. 
On XX/XX/XXXX, the company I am refinancing with requested payoff amount. 
Neither of us got anything. 

Tuesday XXXX I called. Person told me they would email the payoff over to the refinance company right now, and it should take XXXX mins. Nothing was received. Never got a call back that there was any kind of issue- especially concerning that we expected within an hour. 

Wednesday XXXX - I called. Person told me that an " email might take XXXX XXXX, a fax is quicker, let me do a fax ''. When she tried to put in the system, it said it would take up to XXXX XXXX to process. I guess because I had a discharged bankruptcy. I told her that was the message I got on XX/XX/XXXX, but never received anything back then. She said she would put in the request again. But the XX/XX/XXXX request should be completed on XXXX ( today ), as that is XXXX XXXX. Never got it today. 

Today XXXX - I called. Person I spoke with said they would email me a letter now. Then he got the same message and told it would take XXXX XXXX. I told him it's already been XXXX XXXX from XX/XX/XXXX request, and way past that from the XX/XX/XXXX request. He said he didn't see a request on XX/XX/XXXX. The people from Tuesday 's and Wednesday 's call did though. he said he would submit. 
I told him we are doing the same thing over and over and expecting different results. I asked to speak with a supervisor- he said he can't do that. I asked him to escalate- he said he had no way of doing that. I asked to speak with whoever is supposed to work on this- he said he didn't know and had no contact info. 

I am trying to refinance. If this continues, I lose my lock. And rates and payment info will go up.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (NJ)

# What happened? 

On XX/XX/XXXX, I discovered an unauthorized Nordstrom credit account on my XXXX credit report. This account was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX, with a past due balance of {$6900.00}. The account number ends in XXXX. 

Key points : 1. I did not open this account and have never had a Nordstrom credit card. 

2. I contacted Nordstrom on XX/XX/XXXX. They could not find any open or closed accounts in my name and promised their fraud department would call me. As of XXXX, I have not received this call. 

3. XXXX has blocked my access to my account for years, preventing me from disputing this fraudulent account directly. 

XXXX. I only became aware of this issue after being removed from XXXX 's Path to XXXX XXXX program. I had to use a third-party app ( XXXX ) to access my XXXX report information. 

XXXX. This fraudulent account has negatively impacted my credit score and financial opportunities.

I believe this situation violates my rights under the Fair Credit Reporting Act. I'm requesting that : 1. The fraudulent Nordstrom account be immediately removed from my credit report. 
XXXX. XXXX restore my access to view and dispute items on my credit report. 
XXXX. Both Nordstrom and XXXX investigate this matter thoroughly and provide me with the results in writing. 

I've attempted to resolve this issue directly with both companies but have been unsuccessful. I'm seeking the CFPB 's assistance in addressing this matter promptly and fairly.