davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
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. (NC)

The credit bureaus are allowing the below actions from XXXX XXXX XXXX to take place illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. 

The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then XXXX XXXX XXXX continued collection activities on my accounts in violation of section 809 ( b ) FDCPA.

Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.. 

XXXX XXXX XXXX Last reported XX/XX/XXXX {$80.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY (CA)

Company XXXX XXXX XXXX law firm had me sign a stipulated agreement and through the process of paying my debt they would only accept check, money order or checking account number, no debit transactions. I tried with checking account number which in the beginning was ok but then I fell back on payments and they said it was in their policy to have to receive two checks before they can reinstate accepting payment through a checking account number electronically. I then asked why I couldn't just have them run it as debit, they said that's how their business is set up. I was told by their debt collectors at XXXX XXXX  XXXX that I may call the original lender to pay my balance through the lender since XXXX XXXX XXXX is the third party. I called the lender and they said the account is closed and XXXX XXXX XXXX is handling the account now, but why if XXXX XXXX  XXXX is defending td bank USA ( lender ), wouldn't the account still be open and it is my debt, and why need a third party? I've tried paying with money order after the problems I stated above and after four or six money orders sent, the last money order got lost in the mail. I had to cancel the money order and the money order charged a fee to process the lost money order and returned partial of what I sent to XXXX XXXX XXXX, this also made the payment late. XXXX XXXX XXXX also lied about me having more time to pay before the agreement ended which I never got in writing, and then they said I didn't have enough time the next call around. I can't trust XXXX XXXX  XXXX and I want to have the lender open the account again so I can easily pay my debt electronically with debit and not a third party.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Adjusters, LLC (TN)

The company sent me an email from a dummy email address claiming I would be sued and jailed if I do not pay thousands of dollars. I received the email with identifying information about myself which led me to call the debt collector to see what the company was emailing me for. Upon speaking with a rep ; that demanded I verify my info ; I spoke about the email and the thousands of dollars and jail time the email spoke about. The rep said the email was not from them but using my info ; she was able to search and find 2 old accounts for me. Weeks later, I have an alert on my credit with the information of a supposed debt I owe and it was updated as being 1 year old and I have not had any loans for for over 10 years. The company used the email to get me to contact them because of the outrageous claims in the email ; demanded I verify my info ; blamed scammers or another company when I filed my initial complaint with CFPB then added the old outdated debt to my credit and re-aged it to being 1 year old. This is a FCRA violation. I did not call about a 10 year old account ; the agent mysteriously found in the system. I did not discuss the account. I discussed the email I received.
Consumer complaint received 2021-04-05
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: Exeter Finance, LLC. (TX)

This account is fraudulent. I was told multiple times by collection managers that this account would be deleted after me sending in the police report and FTC identity theft report. My name was used in a fraudulent identity theft crime. This account needs to be permanently deleted and I need to be deleted off of this database, I have been lied to multiple times and told this would be deleted and never reported again. The company deleted this account multiple times and keeps adding back to my credit. This is defamation and negligence
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

I'm locked out of my account, the App behaves poorly, doesn't do face ID regularly, invalid Pin ( even though I haven't changed it in 10+ years ). Worst banking account I have. All other bank accounts work perfectly no issues. 

I've complained multiple times so this needs to be documented. 

Automated system on phone doesn't let you talk to a representative anymore. Was easier to file this complaint took 10 minutes to get someone. 

Please have the IT department learn to code or do something productive. They are terrible at their jobs. All my banking accounts work fine except USAA. It's embarassing to be associated with this company at this point due to recent quality Issues.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (MA)

I have +an 800+ plus credit score, income close to the top 1 % and impeccable credit - I've never been late paying a bill and have a large bank account. I was invited to apply for a City XXXX with 0 % for 18 months offer which I did. I was accepted and given a {$1000.00} limit. Most credit cards offer me XXXX XXXX, XXXX XXXX they offered me XXXX XXXX  limit. When I complained they had me apply for a credit card limit increase which was denied. I cancelled the card never having used it. I strongly suspect that when they saw that I would use the account and pay the balance each month they offered me much less than other customers with poor credit histories who I strongly suspect would get much larger credit balances. I never would have a applied if I knew the limit would be {$1000.00} and now I have two inquires on my credit profile. 

They said they'd send me a letter explaining why I was denied an increase. All the letter said was " We're unable to approve your request ''.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NV)

I was using the square Cash app for P2P money transfers. I had a birthday gift of {$300.00} that was transferred to the wrong bank. 

Basically, When I did not see the money in my account I check my default bank information in the Cash app only to see a XXXX ban account I did not recognize. I only saw the last 4 digits of the account but deleted right away because I did not want them to take more money from me. 

When I called XXXX, they said they could not help without more information. Cash app said they couldn't help and that I needed to contact XXXX XXXX. So, pretty much ignored by both entities and was told by each to contact the other. 

When I told my friend about this recently, he checked his default bank with cash app and it was a mysterious wrong bank! 
I suspect that Cash app is able to be hacked, where the hacker can input their own bani information into the app, so money is transferred to it.
Consumer complaint received 2021-04-05
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: SYNCHRONY FINANCIAL (TX)

This is a formal complaint against Synchrony Bank Network located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank Network has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-04-05
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: OneMain Finance Corporation (TX)

This is a formal complaint against One Main located in XXXX, IN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, One Main has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-04-05
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. (OH)

Pulled up my credit report and seen there are some accounts that are fradulent and do not belong to me. I'm in the middle of purchasing a home and this is holding up the process and need the fraudulent accounts removed from all credit bureaus. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, -XXXX XXXX # XXXX, -POSSIBLE FINANCIAL # XXXX
Consumer complaint received 2021-04-05
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. (LA)

The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.
Consumer complaint received 2021-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

I received notice that a law suit by Ohio Att General was filed. After I did my research I show the filing amount for the document is {$1600.00}. I reached out to and was advised I was being sued for the total amount of {$6400.00}. This was confusing to me as the court website appeared different. I advised it was impossible to pay the full amount and wanted to look into my options to avoid court as my state taxes have been taken since 2018 to be applied to this debt. I inquired about options and informed I will have wages garnished due to another judgement against me and I was not sure how this would effect me. Each time I mentioned wanting to know options to resolve in avoid court I was asked what I could afford. I explained my yearly tax returns are my extra money and being that they were already being applied I thought that would be okay. I inquired about a possible settlement and was informed that they wouldnt even know what would be acceptable settlement. I was informed to wait until Im served with the court notice and call back in a week or so. I felt that the attempt of collecting more than what appears on the court website as filed is misleading and unfair. I feel that since payments are being taken from my taxes over 4 years the act of still suing is unfair practice. I feel that telling me options are available but not providing those options and insisting on waiting until Im served is unfair and misleading. I was informed total debt owed to original provider was close to {$5500.00}, I was informed since 2018 {$600.00} plus interest has been billed and since 2018 a over {$1000.00} has been taken still owing {$6400.00}.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/XXXX charged {$29.00} for purchased software on disk to be seny XX/XX/XXXX credited XXXX for non acceptance of merchandise due to late delivery XX/XX/XXXX XXXX rebilled {$29.00} WHY? 

I called merchant and chatted with third party supplier and they assured me creidt has been given for item not bought Please issue credit again to cancel XX/XX/XXXX rebill I asked this action in # XXXX XXXX but ignored by Capital One to date
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

I attempted to pay Wayfair account before services mailed my first statement. The day I received the statement I paid the Bill in full. The next month I received a late payment fee. I called to request it to be waived. I was told due to Wayfair and XXXX  dissolving their partnership they would not waive. I called more than once, and no resolution. Mail in my area was delayed due to COVid-19, with the post office being shut down. Every month I got an additional late fee and report to my credit bureau. I filed a previous a complaint with CFPB. In the mean time I continued to resolve the problem until one person at XXXX  threatened me. Stating that it was mot his fault I didnt pay my bills, and that I could pay {$75.00} today and no other offers would be given to me. ( I had explained I was waiting for CFPB, and he continued to talk threaten me. ) this person also stated he knew when I received my bill, but clearly did not ... and continued to say I failed to pay my Bill or listen to me. This account has now ruined my credit score that I have spent the last 3 years repairing. As a consumer, I was at their mercy to do the right thing, they did not. I thought the CFPB was to protect consumers like me? Last week I was able to speak with an XXXX rep and he cleared up my account balance. Now, Im left with a suffering credit score. What recourse do I have? How can XXXX be responsible for the actions and comments of its staff. I tried to resolve this situation as soon as it happened. And I feel it should be illegal they way I am being treated. How can XXXX be forced to revise my credit reporting?
Consumer complaint received 2021-04-05
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: KEYCORP (OK)

I am writing to dispute a late payment reported on my account from key bank for the month of XXXX through XX/XX/XXXX. 
The reported account I had opened with XXXX bank with my mortgage account in XXXX. Then XXXX Sold their branch to XXXX XXXX bank in XXXX and transferred my mortgage and bank account to XXXX XXXX Bank XXXX XXXX XXXX XXXX NY XXXX. In XXXX, XXXX XXXX XXXX converted to Key Bank and my account was transferred to Key Bank ( XXXX XXXX XXXX, NY ). 
Then after some time Key Bank branch at XXXX XXXX NY closed and they transfer my mortgage account to XXXX XXXX XXXX bank in XXXX XXXX, NY ). My checking account transferred as showing recorded to XXXX branch. 
In XX/XX/XXXX, I received a call from KEY BANK that I have dues that is : XXXX USD and I noticed when I pulled out credit history, that they have reported a 4-month XXXX through XX/XX/XXXX late payment. 
I paid that amount to avoid any late payment then I called key bank to ask what kind of dues they had reported. I had no activity with this account for many years and my balance was XXXX. 
Then the representative explained to me over the phone that they charged me for returned undelivered mail fees. 
How can they charge me for undelivered mail when Key bank had NEVER made any agreement with me and I also have no agreement with XXXX or XXXX XXXX WHERE THEY STATED that they would charge me for undelivered mail? That is why the XXXX XXXX bank never charged me fees while I was living out of country from XX/XX/XXXX to XXXX. 
Please kindly remove any late payment reported from my credit history. I dont have any fault. I never made late payment with any one in my credit history in the past 17 Years. 

Please kindly review my case and remove late payment report. 
I will be very thankful to you. 


SUMMERY : CAN BANK CHARGE ANY FEES WITHOUT ANY AGREEMENT WITH CONSUMER? 
THIS ACCOUNT NEVER OPEN WITH KEY BANK IT WAS TRANSFERRED FROMY OTHER BANK THAT NEVER CHARGED ME ANY FEES FOR RETURNED MAIL WHILE I WAS OUT OF COUNTRY.WHY KEY BANK CHARGED ME RETURNED MAIL FEES WITHOUT INFORMED AND AGREEMENT?
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ASTA FUNDING INC. (NY)

A judgment and a summons QUESTION NEAR WAS SENT TO ME UNDER A NAME XXXX XXXX THE COMPANY IS PALISADES COLLECTION LLC FILED NUMBER IS XXXX the judgment is not mine and they unlawfully filed it under my name XXXX XXXX I also wrote a letter to them and a copy of a police report showing that I been a victim of identity fraud and that this debt belongs to XXXX XXXX. Unknown persons or person
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (HI)

COVID 19 happened, and just prior to Covid the Mortgage company appears to have switched hands 4-5 times in less than a year going from XXXX XXXX to XXXX  to XXXX XXXX and then to Shell Point. Its impossible to have confidence when these companies dont know if payment was made and me not knowing who to make the payment too when they say I paid my original servicer and not them. Also to top it odd Hawaii experienced a Hurricane and Flooding both declared presidential declared emergencys. All of which impacted my XXXX. 

XX/XX/XXXX non essential businesses were forbid to conduct business in my county. That ban was lifted on XX/XX/XXXX which is tomorrow. Therefore and despite there not being more than 5 cases in my county I have had to close the doora on my company for over a year.

i requested forebarance during the CARES act but that is when the mortagage company switched hands again to Shellpoint. They are impossible to reach and will not assist as they have no data or what they have is not accurate. i asked for forbarance and they continue to destroy my credit and do nothing.
Consumer complaint received 2021-04-05
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. (CA)

So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call XXXX XXXX  and Experian and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The purpose of the letter attached is to dispute the Bank of America credit card suspension, the negative effect i has had on my credit report, and denial of a recent application. Please, see the letter an d credit report attached.