davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am making this complaint because despite my efforts for a resolution I have failed to receive a LAWFUL remedy for fraudulent reporting of adverse accounts on my report. On XX/XX/21 I sent letters out to the credit reporting agencies XXXX, XXXX, Transunion requesting deletions of these account but after 60 days only one account was remedied. 
They following account needs to be DELETED from my consumer report : Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Account Status and Last payment XXXX Account Number : XXXX I XXXX XXXX as the only " natural person '' and also " original creditor '' did NOT give instruction for these agencies to furnish this adverse account on my report, I do not validate this alleged debt. According to Congress law under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G )
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello my Name is XXXX XXXX XXXX. I started Edd in XX/XX/XXXX. However my payments from edd retrowed back to XX/XX/XXXX. I never received my Pre paid card so i called the bank of america they said they would sebd a new card. When i asked my balance. They said i didnt have any money on my card. I explained how can i spend it if i never got a card. XX/XX/XXXX i filed a claim for {$14000.00} XX/XX/XXXX the bank posted provisionals XXXX. I had to XXXX XXXX money to myself no card. So XXXX XXXX comes and this Bank freezes my account and takes all the money back plus what i didnt left in the account after XXXX  XXXX  and puts me negative XXXX XXXX comes and my ckaim pays i rec letter but they never posted the funds. They state that there were duplicate claims and removed {$700.00}. Mean while all my edd pymts are still comeing in and paied down tjis nrgstive balance which in truth the numbers dont add up. The finaly paid me {$14000.00} and XX/XX/XXXX it paid off a negative balance of XXXX which is wrong should have been - XXXX. I never got anything back never got XXXX of my edd payments and they still wont post my claims thst have since paid on XX/XX/XXXX {$3500.00} and {$4800.00} XX/XX/XXXX. Its been 6 months now. They have sent me letters that the funds posted but the credits they posted were credits the doubled dipped on and took out 2 times on 13 amonnts. And other credits were money they over took when they took provisionals out. What can i do. I cant get help. My govenors office has called states assembly has called still no money. My email is XXXX. my phone # is XXXX. Please help me
Consumer complaint received 2021-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (NJ)

My Bank is Through Skylight Financial or XXXX XXXX. On XX/XX/21 I tried to pay my car insurance payment in the amount of {$410.00}. I paid this to XXXX, they never received my money so I tried to cancel it and I was charged again for my payment that didnt go through so I am now out {$830.00}. My insurance still isnt paid and will be cancelled on the XXXX. I havent paid any other bills due to half of my paycheck going missing. XXXX has been nothing but helpful to me, they have sent Skylight or XXXX everything they have asked for is regards to release my money and every time it still isnt good enough, they have ridiculous security measures that cant be met.
Consumer complaint received 2021-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BUSEY BANK (IL)

On XX/XX/XXXX I transferred funds from my money market to checking. Busey bank said they do not give receipts for transfers. How can I know the money was put into my checking account? The bank said I could look online. I do not have a computer and do not want to bank online. I believe this a dangerous practice. The clerk finally gave me a handwritten receipt.
Consumer complaint received 2021-08-23
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. (CO)

Transunion is reporting illegally obtained information on my credit report. HIPAA prohibits the release of information without authorization from the patient. Attached is the document sent to me by XXXX XXXX XXXX in which they have line by line accountings of procedures & additional information in regards to my medical visit which by law should only be released to my physician. 

If these two items from XXXX XXXX  are not removed immediately I plan to pursue this matter in court to the full extent of the law. 

REMOVE IMMEDIATELY
Consumer complaint received 2021-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (FL)

Someone tried to open a ebay credit in my name. I've called the institution and they said it would be removed and it is still hitting as a hard inquiry on my report over a year now. Also there is another one regarding Amazon credit. SYNC/XXXX  and SYNC/AMAZON
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (FL)

On XX/XX/2020 I bought 2 mattresses for a total of {$990.00} at the XXXX XXXX store ; In the negotiation with XXXX XXXX ( seller of XXXX XXXX ) financing through my credit card for a total of {$1200.00} which can be evidenced in the videos of the place that day. 

They began to give me discounts for {$95.00} biweekly until reaching the sum of {$1200.00}, after this, I received a call and an email from ACIMA,  notifying me that I had a debt with them for approximately {$1200.00} more For which I present this complaint of fraudulent sale since at no time did the seller of XXXX XXXX " XXXX '' inform me of this ACIMA company and less of its financing plans. 

This company ACIMA sent me via email a document where my signature is displayed, which is false since I never had knowledge of the said company, they created an electronic signature without my knowledge.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC (IL)

Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX phone ( XXXX ) XXXX What happened? I took a look my XXXX  credit report and found out this company had flagged a account it says I owe which I don't for collection on XXXX for balance {$14000.00} I also look on my XXXX  report that has the same collection on it but in a different account number both are for the IL Department of Human Service which I do not owe any thing nor have I ever herd any thing from them on this. The same thing has happen to me with this company about three years a go and when I called them about it they did not ask for the account number all they wanted to know was my social security number and when I would give it to them they hung up I had to report them to the XXXX XXXX XXXX XXXX. to get this taken off my credit report and if any of this was true that I owe any government agency money they would have confiscate it from my income tax. when looking at the reviews and complaints the XXXX. received on this company ware they used the name of the IL Department of Human Service to put collections on numerous credit reports that had to be taken off. this company have never tried to make any contact with me by phone or mail or any other means to try to collect any thing from me.
Consumer complaint received 2021-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

Usually the mortgage company sends me statement of monthly mortgage payment every month, and I send a check in the exact amount accordingly. In XX/XX/2021, I did the same thing I used to do but I was charged late fee in the amount of {$46.00}. To be exact I sent ( actually mailed it ) check in the amount of {$1100.00} on XX/XX/2021. When I knew I was charged late fee, I called the company and explained the fact of the matter, but the company did not want to accept my explanation. 

According to the company 's policy mortgage payment made after the XXXX of the month would be assessed late fee, but the fact is that I was not late. 

In XXXX of this year, the company sent me a letter stating that my house was under foreclosure process because of none payment of mortgage. I called the company and asked what was going on Their reply was " the letter was not supposed to be sent to you, you are fine, just disregard the letter. '' I think something is wrong this time also, and I was not late in my mortgage payment to be charged late fee.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX XXXX  XXXX  XXXX  Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX shows a inquiry on my credit report Inquiry XX/XX/2020 that should have been removed XXXX
Consumer complaint received 2021-08-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

XXXX XXXX # SS XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX  XXXX  Equifax Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX-XXXX  and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from Equifax and {$400000.00} from XXXX XXXX  for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent TransUnion severs letters asking for verification of the accounts. Trans union is updating accounts without properly investigation. I am not aware of any of the accounts reporting, therefore they need to all be DELETED.
Consumer complaint received 2021-08-23
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (SC)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (MD)

Receivable management is falsely reporting a debt not owed on behalf of XXXX XXXX! In addition they are attempting to re-age the account on my credit report by increasing and decreasing the balance by {$1.00} multiple times a month. As a result, it updates the last activity and appears that this Is an open account instead of a charged off collection. This is against the law especially because theyve failed to validate the account and give me the right to dispute. Ive attached proof of their practices. 

Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. 

My rights dictate my ability to obtain this information and until it is properly and factually updated, cease reporting to all credit bureaus and delete this account from XXXX  upon receipt of this complaint. Failure to do so Will result in legal action against your company for its predatory collection processes. 


A debt collector can not charge interest or fees that weren't defined in original contract. ... That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ). So, if this contract didn't include a late fee, then a collector can't tack one on.
Consumer complaint received 2021-08-23
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX NAVY FCU XXXX  XXXX XXXX  Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from NAVY FCU for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX  and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (CA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681ae never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2020-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (PA)

On XX/XX/2020 I signed a Loan Estimate with NVR Mortgage Finance for a 15 year mortgage at 2.5 %. On XX/XX/2020 I was sent paperwork to lock in at 2.65 % with no discussion on the large interest rate change. I questioned the increase and was told that the original Loan Estimate was not correct and NVR Mortgage said it was their secondary that made the mistake. I requested that this be escalated as I didnt think I should pay for an error made by NVR Mortgage or their secondary. NVR Mortgage refused and said I would have to pay 0.625 % points ( {$1800.00} ) to get the rate to the percentage they erroneously quoted me. In the interim, NVR Settlement sent me notification that I could not change my mortgage provider. I had no choice but to either pay the higher percentage or pay the points for the lower percentage. NVR Homes had given me an incentive of {$18000.00} to use their mortgage arm. So if I walked away I would risk not meeting my closing date of XX/XX/XXXX and I would no longer get the {$18000.00} incentive. NVR Mortgage actually eluded that the {$18000.00} would defray the {$1800.00} mistake and I would still be left with {$16000.00}.
Consumer complaint received 2017-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

Creditor contact detai ls : National Credit Systems,   XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX   (   XXXX   )   XXXX . Reporting a open date to my credit on  XXXX   XXXX ,  2015. Ori ginal creditor :  XXXX   XXXX   XXXX . I do not have any knowledge of this debt. I have never received any communication notifying me of this debt and their actions to place this debt on my credit, negatively impacting the reputation of my credit worthiness and livelihood, prohibiting me from being able to secure stable housing for my family and I. I request written validation of this debt including contracts between the creditor and I and valid signatures. I request that this property remove this derogatory mark from all three reporting credit bureaus and allow the chance to secure validity of this debt.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO (FL)

I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named Banco Santander Puerto Rico. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments.

Banco Santander Puerto Rico was acquired by Firstbank Puerto Rico on XX/XX/XXXX. During and after the acquisition I still having problems that Firstbank Puerto Rico continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month FirstBank Puerto Rico reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.