davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/year> I informed my banks branch manager about a check error on a check that I deposited previously that day in the amount of {$15000.00}, I also informed them about a non authorized check that I hadn't endorsed & I would like them to canceled it. ( My bank polices states that errors or discrepancies are to be reported as soon as possible ) *After notifying my bank branch manager it was stated that my account would not be affected, that my bank would just charge a returned check fee in the amount of {$29.00}. However my account was frozen and I was accused of check fraud by my bank. ( My bank policy states a disclaimer of warranties. stating that Navy Federal 's representations, warranties, obligations, and liabilities, and my rights and remedies, set forth in their agreement, are exclusive. ) * Meaning I have the exclusive right to action by my bank and myself when informed of any membership service delay 's, errors, failure of procedure, and material use of product services offered. * My bank was supposed to prevent the error from being processed and make a note of the situation, to prevent any further delays and or at fault misconduct that may have arisen due to police warranties and disclaimers, My bank instead blocked me from my account and accused me of check fraud. I do believe I'm a victim of breach of XXXX  that my bank failed to meet expected standards and violated contractual obligations as well as deceptive practices due to possible finical gain of the bank on behalf my account access to a money market account by way of check writing thru an acquired trust fund in the amount of {>= $1,000,000}. ( Warranties and disclaimer policy XXXX XXXXXXXX all information provided to Navy Federal is accurate and true. Also policy title Error or Discrepancies - report all errors as soon as possible. ) I also believe that the banks actions and omission may potentially be the direct cause of harm and does pose a financial loss.
Consumer complaint received 2016-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (NY)

I 'm a victim of identity theft someone opened up a lot of account in my name and now I 'm getting ready to buy a house I 'm seeing all these things on my report this is killing me it 's not fair to me.
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XXXX 2017 and XXXX XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and inaccurate.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Transunion is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my XXXX credit score. Also when I sent Transunion personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well-beingat risk.
Consumer complaint received 2015-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern : This is to let you know that TransUnion has re-inserted a previously DELETED record into my credit report. I have a daily credit monitoring service and I discovered this illegal re-insertion in XX/XX/XXXX. The record is by " XXXX '' - a debt collection company trying to illegally collect on a {$6400.00} debt ( that is beyond the statute of limitations in XXXX ). I have never acknowledged this debt. The original creditor is XXXX XXXX. The first date of delinquency on the XXXX account is XXXX to XXXX. The XXXX XXXX. account appeared on my credit report for 7+ years after the date of first delinquency and was deleted as mandated by FCRA regulations on all my credit reports ( TransUnion , XXXX & XXXX ). However, XXXX XXXX XXXX XXXX XXXX acquired this debt and has posted it on my credit report with an open date ( status date ) of XX/XX/XXXX. They are attempting to re-age the debt, and such make a case to have it in my credit report. This is ILLEGAL. 
TransUnion should IMMEDIATELY delete this item as it violates Fair Credit Reporting act. 
Furthermore, TransUnion is required to notify me within FIVE days when a previously deleted record is reinserted in my credit report. TransUnion has failed to do so. TransUnion has also failed to validate or verify this record ( and associated XXXX XXXX. record ). As a result, TransUnion should immediately delete this record. I have notified the State Attorney General of Pennsylvania, and if this is not handled immediately, I will initiate a lawsuit against TransUnion for FCRA violation and character defamation ( all of which have materially damaged my life including increased insurance charges and inability to secure a job ). 
I have attached a document that includes commentary directly from XXXX XXXX XXXX XXXX XXXX confirming that they have misrepresented the first date of delinquency.
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by Convergent Outsourcing XXXX Convergent Outsourcing XXXX XXXX n't have the rights to collect debt in the State of XXXX ? They are not abiding by the XXXX accordingly to the XXXX of XXXX and they was suppose to remove themselves from my credit report by sending a letter stating to the XXXX XXXX XXXX that they need to be removed. 
" XXXX XXXX XXXX section XXXX which prohibits a third-part or credit bureau from engaging in debt collection in XXXX unless the third party debt collector has obtain a surety bond and file a copy of the bond with the XXXX of the XXXX of XXXX. Also, you can not operate in the state of XXXX with a P.O. XXXX '' I am in need of another XXXX to remove them from my credit report please.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I HAVE CALLED TRANSUNION JUST ABOUT EVERY MONTH FOR TWO YEARS, AN ACCOUNT FROM XXXX XXXX IN WHICH I AM THE AUTHORIZED USER HAS BEEN DELETED/BLOCKED OFF OF MY CREDIT REPORT FRAUDULENTLY, TRANSUNION STATES CREDITOR REQUESTED REMOVAL, XXXX XXXX HAS CONFIRMED THEY HAVE NOT DONE THIS. TRANSUNION STATED THE ONLY WAY THAT THIS ACCOUNT CAN BE RE-ADDED TO REPORT IS IF CREDITOR BEING XXXX XXXX CALLS A MARKETING NUMBER ALLEDGEDLY XXXX XXXX IS SUPPOSED TO KNOW AND HAVE. TRANSUNION WILL NOT PROVIDE ME WITH THIS NUMBER TO GIVE TO XXXX XXXX, ALL OF XXXX XXXX CORPORATE REPRESENTATIVES HAVE STATED THAT THERE IS NO SUCH NUMBER THAT THEY EVER CALL. IT IS APPARENT TRANSUNION HAS BEEN PROVIDING ME WITH FALSE AND MISLEADING INFORMATION FOR OVER TWO YEARS. THIS HIS HINDERED MY ABILITY TO FAIRLY OBTAIN CREDIT FOR WELL OVER TWO YEARS BY NOT REPORTING THIS POSITIVE ACCOUNT. TRANSUNION HAS ALSO STATED THAT THIS ACCOUNT IS BLOCKED, MEANING THEY CAN SEE XXXX XXXX MONTHLY UPDATES, BUT CAN NOT AND REFUSES TO INSERT THE ACCOUNT BACK ON REPORT. IT IS A FACT THAT IF THIS ACCOUNT SLIPPED INTO A NEGATIVE STANDING NEGATIVELY AFFECTING MY SCORE THE ACCOUNT WOULD BE RE-ADDED BACK TO MY REPORT WITHOUT ANY QUESTION WHICH IS AN UNFAIR PRACTICE AND BIASED. XXXX XXXX HAS PROVIDED AMPLE CONFIRMATION TO HAVE THIS ACCOUNT RE-ADDED TO MY REPORT WITHIN THEIR POWER, TRANSUNION HAS NOT BEEN TRUTHFUL WITH THE MEANS OF PROCESSING. IT IS MY UNDERSTANDING TRANSUNION IS COMPENSATED FOR REPORTING NEGATIVE INFORMATION AND WOULD BE TO THEIR ADVANTAGE TO DO SO. THE ACCOUNT IN QUESTION ENDS IN XXXX. IF TRANSUNION CAN NOT VERIFY XXXX XXXX HAS REQUESTED FOR REMOVAL OF ACCOUNT THEY ARE PRACTICING ILLEGAL METHODS. I CAN OBTAIN CONFIRMATION ON THE PART OF XXXX XXXX PLEASE ADVISE. IT SHOULD BE NOTED THAT I HAVE XXXX OTHER XXXX XXXX ACCOUNTS REFLECTING MY REPORT, IT MAKES NO SENSE FOR XXXX XXXX TO REQUEST REMOVAL WITH A BALANCE ON THIS ACCOUNT. THE ACCOUNT IN QUESTION HAS A HIGHER AVAILABLE CREDIT RATIO WHICH GREATLY IMPROVES MY PERSONAL CREDIT. OTHER CREDIT BUREAUS REPORT THIS ACCOUNT, THEREFORE TRANSUNION HAS NOT BEEN HONEST IN THIS MATTER
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Associates, Inc. (MO) (MT)

The bill that the XXXX is trying to collect is for services that I did not authorize. The animal shelter in XXXX MT took an injured cat to the XXXX. The XXXX chose to due major XXXX on their own accord and at their own expense on this cat they assumed to be a stray. Well after the XXXX was done it was discovered that it was my cat and they want me to pay this bill and have turned this into Credit Associates for collection. I did not authorize these services, especially XXXX for {$980.00} I was not even aware of the services until after the fact. The collection law firm that represents Credit Associates, XXXX, refused to take the account as it is not a valid collectible debt. However Credit Associates still reports this collection on my credit report. I have disputed this account previously however they refuse to remove the reporting.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WV)

This late payment is distressing because Ive consistently paid on time. I urge you to fix this error by removing it from my account. 
XXXX XXXX XXXXXXXX, US DEPT ED, US DEPT ED, XXXX XXXX, US DEPT ED, US DEPT ED, DPEDXXXX
Consumer complaint received 2016-02-25
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

I currently have a lawsuit pending with Midland Funding/ XXXX XXXX in which they are trying to collect almost double the amount that would have been due to the original creditor. Additionally, they have submitted documentation such as general bills of sale, computer generated account information, robo signed affidavits, etc. These are violations that they were just recently cited for in the CFPB consent order. They have provided no actual business records and the information that they have provided is generally incorrect.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/year>
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: DCN Holdings Inc. (FL)

I received a phone call at work that followed with an email, stating that, " I was to pay {$500.00} for what they called a protection from litigation payment by absolutely no later than today at XXXX ''. Today was the first and only contact made by this collection agency requesting payment from a lawyer I used over a year ago. I paid the lawyer a retainer but never approved him for work beyond that amount and he is asking I pay him another {$1000.00}.
Consumer complaint received 2016-06-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pressler & Pressler, LLP (NJ)

XXXX XXXX ( represented by Pressler & Pressler ) sued me at an old address in the wrong XXXX and was ultimately successful in obtaining a default judgment against me in 2011. 

Fast forward to the present, I finally learned of the XXXX this year when I received notice of wage execution. I requested copies of the original court record and found the service was effectuated at the wrong address and there was no account level documentation in the file. There were multiple balances listed so I ca n't be sure what they are alleging I owe. 

XXXX and Pressler 's " Source of Address '' was the address on file. I had changed my address with Motor Vehicle, my bank, my children 's school and my cell phone carrier. They did not do their due diligence to locate me because it was in their best interest if I did not respond. 

In addition, there was an " Affidavit '' included in the case file which bears a strong resemblance to the the described fraudulent robo-signed documents that XXXX XXXX and Pressler were reprimanded for in their respective CFPB Consent Orders. There is no record of XXXX ever having attempted to contact me prior to filing the complaint, I am not sure if a Dispute Affidavit exists or if my account was affected, since everything was sent to an incorrect address. 

XXXX XXXX has been ordered by the CFPB Consent Order to " Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits '' ; and to " Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable ''. 

XXXX is in violation of the CFPB Consent Order and FDCPA Federal law. Serving me at the wrong address in the wrong XXXX is sewer service and should not be tolerated. Is there a standard of due diligence that must be enforced? 

I have filed a Motion to Vacate the Default Judgement and to compel Discovery. At that time, if XXXX chooses to continue to pursue the case using these fraudulent tactics I will counter-sue with the full weight of any consumer rights attorney I can find.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (LA)

Experian is refusing to investigate some inaccurate items that is on my Credit Report. I have sent in numerous disputes to have these items removed. Ive even sent in a copy of my driver license and social security cards to have the inaccurate items removed. I have asked them to sent me verification that these accounts are mine. They just continue to send letters saying they verified the acounts. The accounts are XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. # XXXX. These accounts are inaccurate and they failed to response within 30 days to validate the debt.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

I filed the below complaint with the CFPB on XX/XX/XXXX. My mortgage servicer, Ditech Financial LLC, responded that I will need to reaffirm my debt following discharge of a CHAPTER XXXX bankruptcy in order to rectify my credit report, which does not show any mortgage nor payments to the same, and to reinstate detailed monthly statements versus informational ones. 

Unfortunately Ditech 's response seems to have been given without reading my complaint - I can think of no other explanation for why it was so totally off base. The key point, which was somehow completely missed by the responder, is this : I FILED CHAPTER XXXX BANKRUPTCY, NOT CHAPTER XXXX. This and all other needed details are provided below in the original complaint, which I am hopeful will be rectified this time : I filed for Chapter XXXX bankruptcy approximately XXXX and the bankruptcy was successfully discharged XX/XX/XXXX. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than one year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech FOUR TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (MA)

Found this debt on my credit report, but have never received any communication regarding it Sent a letter on XXXX requesting validation stating I would also be willing to settle the matter if they could provide proof They received the letter on XXXX, and as of this time they have not provided any documentation at all
Consumer complaint received 2016-11-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I respectfully request full investigation and based on the information I have provided I request the Enhanced Recovery Company, LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Enhanced Recovery Company, LLC needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
Consumer complaint received 2016-05-16
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CA)

My Citi prepaid card expired ( XXXX XXXX ) as I did not check the date and was saving the same for special day gift. ( balance {$96.00} ) I called the customer service and was told that It its expired and nothing can be done and money is lost too. Feel so bad how Citi can do like this.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I did not receive service as promised by the cell phone provider that ERC is collecting for. I turned in cell phones, and do not owe this balance. I was told my account was going to be cleared to a zero balance.
Consumer complaint received 2023-07-06
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. (LA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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