davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2017-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I 've been disputing Portfolio Recovery Associates ( PRA ) directly about a {$590.00} debt that does n't belong to me, and it is marked on my credit reports. I started disputing PRA with a certified letter mailed onXX/XX/XXXX. I requested validation of the debt that bears my signature. I received two letters back from them, both dated XX/XX/XXXX. They had only sent records from the original creditor. PRA failed to send me any validation that I owe them the debt of {$XXXX} I sent them another letter datedXX/XX/XXXX.XX/XX/XXXX Included in the letter, I specially stated the following in bold lettering, " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' Yet again, they sent me another set of two letters, which were near identical to the ones they sent back before. The letters were dated XX/XX/XXXX. PRA stated in on of those letters, " because your dispute alleges no new facts and includes no new information in which to form the basis for a new investigation, we will not be conducting another investigation of the dispute, ''. These new set of letters included no documentation I had asked for. PRA is still reporting this invalid debt on my credit reports. I contacted them for validation of this debt and they failed to send the proper documents. This proves that the debt does n't belong to me, and Portfolio Recovery Associates are trying to dismiss this dispute when, in fact, it 's not resolved. They continue to fail to send documentation bearing my signature, which proves that they do n't have it.
Consumer complaint received 2017-08-20
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. (WA)

XXXX XXXX credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments
Consumer complaint received 2017-06-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

XX/XX/XXXX Complaint Against SunTrust Bank, Commercial Division : XXXX XXXX XXXX  number ( not included ) SunTrust account number ( not included ) I have a rental property that now has an encumbered title from an entity that the settlement statement shows was paid off by XXXX XXXX XXXX, later bought out by SunTrust. This was discovered when selling the property in XX/XX/XXXX. The loan from XXXX ( SunTrust ) was later paid off. But apparently two legal entities that the bank was supposed to have paid off were not. The title insurance company asserts that I do not have legal standing in this case because only the bank is insured by the title insurance. Suntrust has acknowledged culpability, but is no longer pursuing resolution. They have not returned communication for two months. Meanwhile, I have an encumbered title and can not move forward with the properties sale. This matter has dragged on since before the first of this year. Further, the attorney used at closing and approved by the title insurance company later was convicted of embezzlement and was sentenced to prison. Suntrust has acknowledged the problem and filed an internal complaint and I was given a customer advocate. Then it was sent to legal according to the customer advocate where it has disappeared. Now no one returns my phone calls. The loan administrator for SunTrust for the loan is XXXX XXXX. She can be reached at ( XXXX ) XXXX. She reports that the case is now out of her hands. But she has all relevant documentation to this case. I also have documentation that supports my assertions, which I am happy to share with you beyond the 2 files I have attached. Will you act on this? <P/>XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-08-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (DE)

I received a solicitation to open a new account at Discoverbank. The solicitation was offered as a result of my family 's ties to the XXXX XXXX XXXX XXXX XXXX ) It 's my recollection that I received the offer in early/mid XXXX to open an account. I submitted the application in mid/late XXXX. In return for opening the account and meeting three criteria, Discoverbank promised to deposit a {$50.00} " bonus ''. The three criteria were : ( 1 ) insert offer code = XXXX on the initial application, ( 2 ) make a deposit of {$500.00} or more and ( 3 ) keep account open and in good standing for 60 days. I confirmed with Discoverbank representatives on several calls that the conditions were met, including a call that occurred on X/X/17 ( date > 60 days since initial application completed ).
The representatives were professional. However, over a series of calls, representatives tried to appease me by saying the {$50.00} bonus would likely be received at any time - but they didnt know. It was just a guess on their part. On XX/XX/XXXX, the representative submitted a " dispute '' on my behalf, which I assumed initiatied a series of processes which would cause some " backoffice '' personnel to research the reason my {$50.00} wasnt deposited. Despite 3-4 calls over the next 3 weeks, including a final call on XX/XX/XXXX, no bonus has been deposited. I selected the final call to be XX/XX/XXXX since Discover committed to completing their research within three weeks of the initial dispute n XX/XX/XXXX. In summary, I 've come to realize that the promise to deposit {$50.00} may not actually happen. The representatives promise to call me back but their failure to do so indicates to me that they dont have answers and dont want to ( or ca n't explain ) why the {$50.00} has not been deposited. I have deceived. The offer succeeded in getting me to open an account but did not deliver on its promises to submit the bonus payment. I do not feel like I have any recourse to get my money since I 've invested several attempts to resolve the situation ... ... and I failed to do so.
Consumer complaint received 2016-10-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (IL)

Navy Federal Credit Union ( NFCU ) implemented improper debt collection practices in order to obtain payments for my NFCU VISA Platinum card from XX/XX/XXXX through XX/XX/XXXX. 
NFCU conducted the following practices during the timeframe listed : 1. Falsely threatened me with legal action and wage garnishment through verbal telephone communication and written correspondences. 
2. Falsely threatened to my contact commanding officer to pressure me to make payment to my delinquent account. 
3. Contacted my commanding officer on numerous occasions to ensure I made payment to my delinquent account. 
4. Illegally froze access to my accounts : disabling my debit card, ATM card, credit card, and online access to my checking account until payments were made
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-01-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sessoms & Rogers, P.A. (NC)

Requested validation of this bill, received statements and contract between XXXX and XXXX funding. Received a letter from attorney stating that They did not have to give me a signature on anything and turned around and filed with my local court a Civil Summons. I am trying to get the validation on this account. I have tried to dispute online with DMV funding also by now I dont believe that the attorneys are correct in telling me they do not have to produce my signature on a contract I need for the consumer financial protection bureau to intercede for me, and correct this matter.
Consumer complaint received 2017-08-18
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. (WA)

I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I had fraudulent charges made against a XXXX credit card I had years ago. The debt first showed up in XX/XX/XXXX or XX/XX/XXXX. I signed an affidavit with citicard disputing the charges in XX/XX/XXXX-XX/XX/XXXX. The debt was gone. Two years ago it shows back up and this Midland Funding LLC out of XXXX XXXX California starts trying to collect. I have disputed this several times with the various credit bureaus and they even acknowledge on XXXX that it was wrong on their part. Now they are threatening to sue me and sending me papers from alleged law offices here in Michigan. Today I got a letter from a bankruptcy attorney saying he wanted to help me because he sees i 've had papers sent against me in the local district court. This debt is not mine and Midland is not the original debt collector, which went away after I signed the affidavit stating the charges were fraudulent. Midland Funding LLC fraudulently bought this fake debt from some other abusive debt collector. This is all wrong and I am the victim of abusive and immoral debt collection agencies seeking no more than to profit off of innocent people.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TN)

RoundPoint Mortgage bought our loan from XXXX XXXX between XXXX and XXXX XXXX. I have not recieved our escrow anaylsis from RoundPoint Mortgage. A check was mailed to us for {$1100.00} and only said escrow overage. Like any american family, that money was used for other bills. All along our monthly payment amount has remained the same {$1500.00}. I have not reiceved any notices saying my taxes have increased or that my homeowners insurance was dropped from my escrow account. Today I am called by my homewowners insurance saying I owe them {$870.00}. I called RoundPoint, they admitted to boarding my loan incorrectly from when they purchased it from XXXX XXXX, but said the money is being used to go other expenses. How did my taxes just happen to go up the exact amount of what I was being sent to XXXX insurance previously? I was on the phone for two hours with different stories and representatives talking in circles. Some admit it was their fault. I was told my loan amount will increase to make up for the difference of them sending payment today out of my escrow account to my XXXX insurance in the amount of {$870.00}. Why was that amount sent to me? Where is my money really going? No one can give me straight answers. I would have had to have paid points at closing to drop escrows. Or if my taxes increase I should have recieved notification from RoundPoint saying my monthly payment amount was going to change. Also, no one at RoundPoint could tell me what my new tax amounts were. Breakdown of previous payment : {$1500.00} total monthly payment {$65.00} XXXX XXXX {$90.00} Mortgage insurance $ XXXX XXXX taxes {$51.00} city taxes {$1100.00} P & I Breakdown of new payment : {$1500.00} total monthly payment {$0.00} XXXX XXXX {$90.00} mortgage insurance $ XXXX XXXX taxes {$31.00} city taxes {$1100.00} P & I If my payment amounts changed, i should have been notified. Also if my taxes went up then why did they refund me for " an overage in escrow account. '' They are not in compliance with customer notifications.
Consumer complaint received 2017-08-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

On XX/XX/XXXX I enrolled in paperless and automatic billing for my XXXX XXXX lease through XXXX ( their own portal, not my bank 's ). I have email confirmation that I 've done so. Fast forward to XX/XX/XXXX XXXX - my car is being towed out of my driveway by a repo company. I received no emails, no phone calls, nothing in the mail, not even a message on nissanfinance.com 's  message portal. Apparently they NEVER billed my bank for the monthly payments that I set up and never contacted me to tell me that I was delinquent. Normally when a bill is late you receive some correspondence from the company because they want their money, but apparently Nissan would rather steal your car and make you pay exorbitant repo fees. I tried calling Nissan and the representative refused to A ) admit that there could 've been an error in their system, B ) transfer me to a supervisor, C ) work with me on paying the repo fees that were unjust. I was n't delinquent on my account - always paid on time - and have the money in my account to pay in full. When I was paying through my bank my payments always arrived, but I was encouraged to enroll in their paperless billing, then all XXXX broke loose. Again, I have email confirmation that I enrolled in their paperless billing on their website, but it was never actualized. Horrible customer service.
Consumer complaint received 2022-01-11
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 — Was not notified of investigation status or results
Company: U.S. BANCORP (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Debt Mediation, Inc. (PA)

I 've received calls for months now in attempts to collect a debt for a payday loan I never received. The company calls themselves Debt Mediation Services out of XXXX FL In college, back in XXXX, I inquired about these types of loans but never actually took one out. The calls stopped for a while, after doing research I found it was a scam and so I just blocked their call any time I they called Today XXXX/XXXX/XXXX. I received a voicemail from XXXX XXXX at XXXX. I promptly blocked this number on my phone : XXXX I then get a call from my sister that she received a voicemail from Debt Mediation services from the same person attempting to reach me. Her number is my former phone number of XXXX I called him back after he called my sister. He said the same speech as the previous person that I owe {$990.00} but they will avoid wage garnishment and a lawsuit if I pay now in the amount of {$280.00}. I asked him if this conversation was recorded. He said yes. I told him that my family is not to be contacted in this matter. He told me he has the authority to contact anyone he needs to collect a debt. I asked him about where this money was deposited and what bank account it was. He said he did n't have the account but that it was for XXXX XXXX XXXX XXXX back in XXXX. I asked him if he was aware that I have n't had a bank account with XXXX since XXXX when XXXX XXXX XXXX bought it. He said it was irrelevant. I told him I was not interested in settling. He threatened me with " we 'll keep calling '' and I asked if he just threatened me and he attempted to backpedal. I terminated the call. And told my sister to block them.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (NC)

I sent letters two letters which were both returned saying inaccurate address. Upon checking my credit report there was an XXXX TN address listed. Even the post office worker found it to be quite odd. Zip code does n't match to the rest of the address. One letter was mailed in XX/XX/XXXX and the second in XX/XX/XXXX.  Both were sent within 30 days of each other.
Consumer complaint received 2023-04-17
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (CA)

Date of event : XX/XX/2017 ; Event Summary : Aggressive phone tactic to intimidate and frustrate me so that I will pay up rather than exercising my rights.
Event Details : Collector sent me a note asking to pay an seemingly unpaid amount. I called back, gave the account #, and requested that I wanted to dispute it and that I did not want them to contact me any further. But collector 's agent insisted in getting all my information including my full name spelled and telephone number. Upon my polite refusal to provide this information, collector 's agent got agitated and repeatedly kept me on hold multiple times, taking my time away from work thereby impacting my job. I politely requested to give me the address to which I can send a letter. But the lady kept me on hold and would not provide this simple information, for 20 minuted. Her voice was antagonistic, and after 20 minutes, she gave me the address, which is the same as that in the paper. Rather than saying that the address to which I should I write is on the letter, she wasted my productive time at work for 20 minutes. This is an aggressive tactic by the collector, for a consumer to give up and pay. She was also angry on phone started blaming me for the issue.
Consumer complaint received 2017-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called in and I open up account with capital one 360 and I was told that I violated the terms and conditions and I have n't done anything wrong at all and they also told me that someone open a account in my name last year around 2016 of XXXX and I did n't open it up and at the end I was told I ca n't have a capital one 360 checking account ever again