davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (OH)

UCB = United Collections Bureau I received a letter in XX/XX/XXXX that the debt collector United Collections Bureau, that has bought a debt from XXXX XXXXXXXX XXXX, closed my debt account after they did not adhere to the FCRA debt validation process. {$290.00} was taken out of bank account by XXXX XXXXXXXX XXXX without any written notification or phone calls. I previously verified the debt was owned by United Collections Bureau by mail. I did not receive any documentation by XXXX XXXX about the debt. 

My local XXXX XXXX branch banker sent me to someone else who I spoke to at XXXX today at the XXXX XXXX location in XXXX, OH. She said that I was scammed and didnt know what I was talking about. She refused to talk to the collections department she called about my concerns specifically reviewing the paperwork I brought from UCB verifying the account was closed. She would not look at it and advised me to just pay the money today. She gave me a non-working number for the collections department. She also said there was no one I could dispute the debt with. I attempted to called her office number and it was as for someone else. Im attaching all the paperwork. 

I need the money back because I have already settled the debt with UCB. Based on the FCRA laws and how I only received documentation about this debt. XXXX XXXX XXXX sold the debt to UCB without notifying me. When UCB notified me of my account with their debt collection being closed, I was informed in writing that they were no longer pursuing the debt. Documentation is attached. 

XXXX XXXXXXXX XXXX  would have had to repurchase the debt. XXXX XXXX banker merely stated that the debt was charged of to collections in XX/XX/XXXX. She did not provide any paperwork. I received the documentation from UCB in XX/XX/XXXX. I need for XXXX XXXXXXXX XXXX to explain when the debt for {$450.00} to their bank was repurchased by their bank. UCB needs to provide the original validated documentation. I have done my part and yet Im still be held responsible for a debt I am not obligated to pay.
Consumer complaint received 2021-06-29
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: Experian Information Solutions Inc. (MI)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-06-29
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: LEXISNEXIS (MN)

The following public record and credit inquiries listed on my XXXX XXXX and Lexis Nexis credit report, is inaccurate, incorrect, and not my public record or credit inquiries : Bankruptcy Chapter XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I received and email that my PayPal account was charged XXXX Euros which is approximately equivalent to {$3000.00} XXXX on Saturday XX/XX/2021. I Contacted PayPal customer service immediately and disputed the charges, which at that point they said they will investigate and let me know. Few days later I got a notice that the case is closed in favor of the seller. I've reopped the case several times and spoke with several supervisor, PayPal keep saying this is a legit charge and there is nothing that can be done.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a mortgage with Suntrust. It originated with BB & T, but is now serviced by Suntrust ( Truist ). Originally, my wife and I were co-borrowers. Several years ago, my wife and I divorced. She relinquished all ownership rights to me in the divorce and now the title/deed is in my name exclusively. Earlier this year, my former wife filed bankruptcy and included this mortgage. I continued to pay the mortgage just as I always had. I called Suntrust 's bankruptcy department on three occasions as the bankruptcy was in process. On all three occasions, the representatives told me to simply continue making the payments and once my ex-wife 's bankruptcy was discharged, Suntrust would remove her name from the account if I would call and request it. The bankruptcy was discharged in XXXX. In late XXXX, I called to make this request. The bankruptcy department told me that a different department would have to make that change. They transferred me to the " appropriate '' department. The representative in that department first told me that it was impossible to remove her name from the account. After arguing with me about it for 10 minutes, he finally told me that I must refinance or assume the loan. He transferred me to someone else that could explain the assumption process to me. This third person went on to tell me yet again that the only way Suntrust would remove my ex-wife 's name from the account is through a refinance or an assumption. She recommended that I do an assumption, but I would have to pay closing costs. At that point I stopped her and reminded her that with my ex-wife 's bankruptcy being discharged, it is now impossible for Suntrust to attempt to collect from her. So in essence, I had already assumed the loan and I was not going to pay to have the name of a " collection-proof '' individual removed from the account. And moreover, there is no " closing '' to be done since the title/deed is 100 % in my name now. The representative went on to say that Suntrust would not proceed without me paying these closing costs. 

This is in direct contradiction to what all three of the representatives working in the bankruptcy department told me, and in direct conflict with logic and reason. 

Also, the way they are reporting this debt on my credit report recently has lowered my credit score materially in spite of the fact that the bankruptcy has nothing to do with me and absolutely no payments have been late. 

I want Suntrust to do what I was told they would do and remove my ex-wife 's name from this account. I also want Suntrust to change the way they are reporting this account to the credit bureau ( s ) to return my score to what it was prior to Suntrust taking over this loan from BB & T.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (AZ)

I opened an account with the bank of the west and had a bill payment scheduled for XX/XX/XXXX to be paid to XXXX. It was not sent/received by XXXX  till XX/XX/XXXX causing a {$40.00} late charge that was waived by XXXX as a courtesy. I was also charged a $ XXXX  monthly maintenance fee that has been credited every month with the exception of XXXX. I tried to call the bank to discuss the missing bill payment and was on hold 2 hours. I finally hung up. I'm closing this account and requesting a {$25.00} check reimbursed for the non disclosure of the {$25.00} maintenance fee. Also a written response sent to my home address.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, there were two inquiries on my account. One was from XXXX and the other XXXX XXXX XXXX. Someone tried to open two credit cards in my name. XXXX denied the card and sent me a letter and upon calling them immediately removed the information from my credit report. XXXX XXXX XXXX - did not have my correct address ( I've lived here XXXX years ) and opened an account in my name anyway. Upon calling them they froze the account. I filed a police report. XXXX reported to Experian that the information is accurate. This is the information on the Experian website. The information is not accurate as two addresses were provided - XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX. both in XXXX, Illinois. Again, I have NEVER lived at either of these addresses so the information is NOT accurate. Someone opened a card in my name. I want it removed. Additionally, when I called and spoke to XXXX XXXX, an investigator at XXXX XXXX XXXX, she sent me a letter overnight saying my " loan ''. There was no loan opened only a credit card. This company does not seem legitimate and she refuses to call me back anymore. Her direct number is XXXX. This is a shady company. They lied to Experian. I opened a new dispute with Experian. I mailed copies of both the police report and the XXXX letter because for some reason the Experian website would not let me upload the documents so I mailed them via USPS mail. I need this removed. This was issued under false pretenses. I will call these people every day and hound them until the day they remove this. 

XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Consumer complaint received 2021-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (OR)

I applied for an unsecured personal loan on XX/XX/XXXX. I was pre-approved for a {$1500.00} unsecured loan or a {$6000.00} secured loan if I used my car as collateral. I chose the unsecured loan personal loan for {$1500.00} and I submitted my financial information. I spoke to XXXX at the XXXX, OR branch on XX/XX/XXXX and she stated that they needed my vehicle registration or at the very least they needed the VIN to proceed with an unsecured personal loan since I have an auto loan listed on my credit report. I asked for documentation and why this was necessary for an unsecured personal loan and her was response was, " well I told you that you needed to provide your cars registration proceed in the first conversation. '' So there is no real explanation to why this lender wants a customers vehicle registration for an unsecured personal loan that doesn't require collateral except for there to making up there own rules. I'm filing a dispute to have the hard inquiry removed and filing a complaint with CFPB.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (DE)

I have been charged with owing money because someone used a credit card issued at Best Buy through Citibank in the amount of more than {$3400.00}. This was from XXXX. I have not had an account with Citibank since the XXXX and have never had an account with Best Buy. I have contacted Citibank and Best Buy, and both have no information about me, but the debt remains on my record. Neither Best Buy nor Citibank is able to do anything else to resolve this issue since they are not able to find me in their system. My ID protection adviser through Costco has asked me to file this report.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (OH)

I received a letter stating that a checking account had been opened in my name, the letter provided an account number and routing number. A letter followed immediately stating that the bank identified this as potential fraud and access had been blocked. I tried to call bank and it wants me to input a ssn, which I did not do. I tried to get through to an operator and when I did, I got hung up on. 
The Banks info is : PENFED Credit Union. 
Address of bank : XXXX XXXX XXXXXXXX, XXXX NE XXXX. 
Bank phone number XXXX Bank web page : PenFed.org
Consumer complaint received 2021-06-29
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: Experian Information Solutions Inc. (FL)

The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, Experian, XXXX and XXXX
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

SYNCB/XXXX XXXX XXXX LOCATED AT : XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$2400.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Debt Mediation, Inc. (GA)

The apartments in which we lived is saying we owe a balance. They refuse to furnish me with the online portal transactions which will show we paid the final bill. They sent the balance to Professional Debt Mediation. I disputed the balance and the account was rendered closed with the apartments saying they had made a mistake. PDM sent a letter stating the account was closed. A few mo the later, they sent another letter on the same account trying to collect the balance after closure. I tried to reach out and both PDM will not furnish the portal transactions. I hired a lawyer and all communications with PDM were to go through my lawyer. I received an email from XXXX XXXX where PDM reported the balance on my credit. I need help please.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank Of America is illegally attempting to foreclose on my XXXX  primary homestead residence outside the legal statute of limitations for the state of XXXX. The initial foreclosure date was in XXXX of XXXX. The case was dismissed in XXXX of XXXX with no foreclosure sale. The appellate foreclosure case was filed outside the statute of limitations for the state of XXXX  in XXXX of XXXX. The appellate foreclosure case was terminated in XXXX of XXXX with no foreclosure sale. 


Bank Of America has illegally foreclosed on my XXXX  property outside the legal statute of limitations for the state of XXXX. My XXXX  property was released from my bankruptcy in XXXX of XXXX. Bank of America illegally foreclosed on my XXXX  property in XXXX of XXXX.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

On XXXX reports were filed for identity theft with FTC. On XXXX I sent the identity theft reports along with affidavit and letter regarding the inaccurate and unknown things on my credit report. I have received certified mail return receipts that confirm the agency received the identity theft reports. To this day over 30 days later the inaccuracies have not been corrected as of yet on my credit report. I feel like I am being taken advantage of and being ignored of my disputes. These agencies are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the accounts and inquiries stated must be deleted from my report. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data Breach and may have landed into the hands of the wrong person.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To Whom It May Concern, This letter is a formal complaint that you are reporting " INACCURATE '', " INCOMPLETE '' and " UNFAIR '' credit information. 

According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I am distressed that the Credit Bureaus have included inaccurate, unfair, and incomplete information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely " ACCURATE '' and " FAIR ''. The following information therefore needs to be blocked and removed! 


1. Please block and remove this INACCURATE and UNFAIR data on my credit report. Chapter XXXX Bankruptcy Case Number : XXXX 2. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 3. Please block and remove this INACCURATE and UNFAIR data on my credit reportXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX XXXX. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account Number : XXXX Please see the following exhibits in my one single attachment. 

Exhibit A : XX/XX/2021 See below evidence that the US Bankruptcy Court of XXXX District of New York does not report to any of the agencies. 

Exhibit B : XX/XX/2021 I have opted out of XXXX XXXX, which houses bankruptcy data. 

Exhibit C : XX/XX/2021 I received a letter from XXXX XXXX that this information was removed from my file. 

As you can see from the above exhibits, this evidence supports that the proper procedures and fairness have not been maintained.
Consumer complaint received 2021-06-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My Wells Fargo interest only HELOC of {$85000.00} matured on XX/XX/XXXX. YES XXXX! 
I had timely paid all 180 monthly payments.. My mortgage payments beginning in XX/XX/XXXX were all timely paid. My credit cards were all current. I had a FICO score of XXXX. 
I began the renewal process in XX/XX/XXXX by submitting documents to support my wages, Social Security and rental income. Wages was {$40000.00} Social Security of {$20000.00} and rental Income of $ XXXXThe Wells Fargo position was payment in full and refused to accept any monthly payments. Of note, I was given credit for the XXXXXX/XX/XXXX payment. As this negotiating process continued after the maturity date, I was marked late for the months of XXXX, XXXX and XX/XX/XXXX. 
Other mortgage companies gave the three late payments as the reason for refusing any financing. If a refi was negotiated, the monthly payment would have been less than the current XXXX XXXX % mortgage payment alone. This account was bounced from renewal of the HELOC to Refinancing then back to HELOC and then to Home Preservation then to Forebearance. Each time the process required submission of the supporting documents. 
BTY per Wells Fargo my current FICO score is XXXX.!!! 
I am now XXXX years old. Is this age discrimination or merely incompetence??. 
I have been injured financially as I am locked into the XXXX XXXX % mortgage and in that in seeking employment, when a company checks my bank reference all negotiating is ended..
Consumer complaint received 2021-06-28
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: JPMORGAN CHASE & CO. (CA)

I am a Fraud victim and I have multiple Discrepancies on my credit profile.I have been disputing XXXXXXXX XXXX for years Now. I have no knowledge of this {$3300.00} account. I offered to pay it off for removal of my credit but they wont agree to it. This fraudulent item in my account is hurting me from becoming a officer of the law. I have a fraudulent freeze on my credit because my social security number has been compromised. Is there anyway I can please have my credit file revised. I also have a late payment recorded from chase bank that was a mistake on their end. I have reached out to them multiple times to correct this but they will not grant a goodwill adjustment. If my file was looked at in 5 years I have never missed one payment except the one Chase has mistaking lot recorded.