davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently sumbited an indirect-credit bureau dispute to XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX disputing the 30 day late payment history reported to TransUnion and XXXX for XXXX 2015, XXXX 2015 and XXXX 2015. In discussion with XXXX XXXX, Loan Operations/ Risk Manager and XXXX XXXX XXXX Loan Operations Manager, I was advised that while I had executed on time payments for XXXX 2015, XXXX 2015 and XXXX 2015, XXXX had intended to report past due for XXXX 2015 and XXXX 2015. However per the credit reporting agency reports XXXX did not report XXXX 2015 or XXXX 2015 as past due, XXXX instead inaccurately reports XXXX 2015, XXXX 2015 and XXXX 2015 as past due. XXXX XXXX admitted that XXXX has a practice of reporting late payments when consumers pay on time. I have enclosed a letter from XXXX confirming their errors. In the enclosed letter, XXXX confirmed I had only XXXX 30 day late payments during the disputed time of 2015 as of XXXX/XXXX/2015 ; XXXX 2015 and XXXX 2015. Even though XXXX is regulated by FCRA and has been put on notice of the errors, XXXX XXXX refuses to correrct the inaccurate late payment hisotry. XXXX XXXX is aware that XXXX XXXX has a systemic problem of reporting late payments inaccurately and knowingly refuses to make corrections. XXXX XXXX even went as far as to threaten me if I filed a regulator complaint or an XXXX stating, she would go back and change the reporting for the months XXXX did not report as past due. Sadly my wife and I are far too educted in FCRA to take her threat seriously. We know that XXXX must not supply information to a CRA that it knows ( and should know ) is inaccurate. This includes reporting late payments when I have paid timely for the reported month. The willfulness of XXXX XXXX and XXXX XXXX to refuse to udpate inaccurate information when notified and aware of errors is not only harmful to the consumer but the industry as well. I expect the FTC, CFPB and FDIC to fully investigate this systemic control problem XXXX. Perhaps had XXXX had appropriate controls in place to ensure accuracy of reporting I would not be in a position to spend hours writing to their regulators. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-07
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: SUNTRUST BANKS, INC. (FL)

I deposited to my business account an IRS refund check dated XX/XX/2018 upon which I hold Power of Attorney. The check for the amount of {$5100.00} posted to my account XXXX on XX/XX/2018 and upon its clearance has since sat in my account blocked from my use! I have called the SunTrust Bank repeatedly and was told that my funds can not be released and that SunTrust Bank has the right to hold on to my funds and have yet to explain when I will have my funds released. It has now been ( 1 ) years since I deposited the check and I do not have an explanation from there representatives as to what they intend to do with my deposit. I am asking for assistance from the CFPB to get to the bottom of this and extend direction as to my legal rights regarding the loss ; hardship and punitive damage this bank institution has caused me and my business. 
I request the SunTrust Bank request my supporting document the POA via their internal portal or email.
Consumer complaint received 2019-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Northern Trust Company, The (CO)

I have had this problem several times but most recently XXXX. Northern Trust out of XXXX, IL processes check payments for a number of banks. I work in a shared office space with a single address but multiple companies. When Northern Trust processes checks they include all checks paid the same day to the same address in the same envelope regardless of which company it goes to. In previous cases, I would have a client send payment but the check would end up in the envelope of another company that received a separate check payment from an unrelated payee that day. I would never get the check. In this case, I received a check from a client and behind that check in the same envelope was a check from a different party to a different company in my shared office space. I would expect that this is not allowable for a number of reasons but especially because banking information from the checks is getting into the hands of a different party than who they were intended for. Northern Trust told me that that is just the way they do it. They said I could contact the bank that initiated the payment to change a setting but that was not possible.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Delbert Services (AL)

Spoke with the dept of loans here in Alabama and was told this company does not have a license to do business in Alabama and that she had sent these companies I mention in this report to you all for investigation from other consumer. I took out a {$2600.00} dollar loan and paid {$290.00} for a year and my balance is still XXXX With past due of {$610.00} and then tried collecting again through XXXX for the total amount of the original loan, now reporting on XXXX with XXXX as a write off of XXXX $ with a {$1600.00} past due balance. I was told by the contact person for bureau of loans that this was given to you all before and is being investigated. Many states have taken action including voided these loans. Please get these predatory people to shut down. Western Sky is the originator of these loans and the document by Delbert services says refer to Western Sky for questions. This info needs to be verified. Western Sky is not doing loans now. I wonder why? They immediately after doing the loan say they sent info via email that they ( Delbert ) would be collecting on the loan. Please do research and figure why did they sell the customers from western sky to Delbert services and now XXXX XXXX. They are killing my credit report because I am refusing to pay after researching they are under scrutiny with other states. This has got to be illegal. They are now trying to collect with settlements for half the amt of the loan and someone has been calling my cell and not leaving a message. He 's asks for me and does not say. I owe no one to call me discretly. I think it 's XXXX trying to catch me. Please make this go away off my credit report. I have tried hard to fix it and now they have trashed it along with having been harassed for months before contacting you all before. They wrote it off XXXX for {$2600.00} and sent an email to collect again XXXX/XXXXXX/XX/2015 for the XXXX {$.00}
Consumer complaint received 2019-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I visited my XXXX XXXX XXXX 's office for XXXX XXXX and tests. Total billing was {$220.00}. In XXXX, XXXX my insurance XXXX declined the claim as " administrative services are not covered '', thus {$210.00} of the billing was not paid by insurance On XX/XX/XXXX provider transfer the bill in the amount of {$210.00} to Collection Agency " XXXX XXXX XXXX '' On XX/XX/XXXX I paid provider the full amount of {$210.00} with my own credit card On XX/XX/XXXX, When XXXX  XXXX XXXX run my credit report with XXXX, it still shows that I have " a derogatory public record or collection appearing on my consumer credit report '' On XX/XX/XXXX when XXXX XXXX XXXX run credit report via XXXX XXXX,  it shows, again " i have Derogatory public record or collection filed '' I have called XXXX XXXX XXXX many times requested documents about my account payment as well as status, I have not received any from them
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a notice from TransUnion and XXXX credit reporting companies that XXXX was reporting incorrect information to my credit file. Soon as I found out, I contacted both credit reporting companies and XXXX to provide more information about the alleged debt. I have not received a proper response from XXXX and I have not received any documents or evidence from the credit reporting companies about the alleged debt. I have been a victim of identity theft and have submitted several police reports and identity theft reports to XXXX and TransUnion as proof.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I had items in collection 3.5 years ago. They were already marked as " charged off '' or the unpaid balance set at {$0.00} as of XXXX XXXX. In XXXX of XXXX, these collection agencies started re-aging this debt to look like recent or current debt in an attempt and satisfaction to hurt my score. This is also an illegal attempt to collect a debt and is a direct violation of the Fair Credit Reporting Act. Even though these items were issued as delinquent 3.5 years ago, it 's showing as current, open balances and hurting me in every financial position in order to obtain new credit and most importantly, my dream of home ownership. I wish to have this removed and deleted immediately as misuse of the creditors ability to report on my credit report. Even after opening a dispute with Experian and the charge off date is stated as XXXX XXXX, the conclusion was still that this is active. I made no attempt to re-age this date or make any payments because I know that would restart the statue of limitations.
Consumer complaint received 2019-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX University dealt with Bank of America the lender who was the original lender who serviced all 12 loans before selling them to third party. The bank employees along with the employees at the university in the financial aid dept. under administrative XXXX XXXX, who handle all paper work and signed off on. Attached are some of the documents I was able to get. First time every taken out student loan in 2007. 

1. Refused to give me copies of all 12 loan application certification completed by the university. ( 2 ) Refused to give me copies of all 12 Bank of America Federal student loan Disbursement Notices ( received from XXXX are attached ) ( 3 ) The 4 Bank of America Federal student loan Disbursement Notices you can see how grade level changed from ( 3 ) to ( 1 ) to create ( 2 ) new loans ; funds that were part of the ( 2 ) unsub/sub loans from XXXX. ( 4 ) Funds were not sent back to the lender attached are the GL of the $ amount and XXXX XXXX deposit slip listing XXXXXXXX XXXX that the funds went to. Employees under administrative orders to charge part-time minority students full time tuitions and other fees then falsify loan certification so that loans taken out. 

All done for profits and kickbacks. Since I file a complaint against the University of all the employees misdeeds, I was informed that my college files had been destroyed. Due to the fact that I have repeatedly requested copies of my entire college records under my ( ssn ) and the two student ID numbers created by registration. XXXX and second number ( XXXX ). 

( 5 ) Changing student separation dates every 3 months just to create more unsub/sub loans with B of A. Neither the bank unable or wont give me the loan documents because they know I never even signed any loan documents nor have I approved the financial institution to be my lender or given the University permission to use them. 

XXXX & XXXX : BANK OF AMERICA, XXXX Bank of America used not just one branch to process all loans other branches listed on federal student loans were # XXXX, XXXX, XXXX XXXX All loans were reported on credit report crediting has increased and listing loans as a line of credit and not student loans before they sold loans to third party. 

XXXX XXXX resolution specialist, regulatory complaints department rep for Bank of America stated they never did federal student loans and they have know loan documentations at all nor any information even though they were the original lender of my loans and reported to all three credit reports as well.
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (CA)

I received emails from TrueAccord Corporation starting on XX/XX/2019 thru XX/XX/2019 about an alleged credit card debt owed that they wanted me to pay. My reply to these emails received were letters I sent to TrueAccord Corporation from XX/XX/19 thru XX/XX/19 asking them to please document and verify the alleged debt. Each letter sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law. TrueAccord Corporation response to my request was to send me account summary documents and more emails  requesting I pay the alleged debt. I never received verification of this alleged debt. Would you please investigate this? 

Disbuting the debt.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

This was a few years ago when I was a XXXX or so in the XXXX. I had fell for a loan scam where the scammer asked for my banking info to input funds. like a dummy I fell for it and who ever the guy was deposited fake checks in my account and my account ended up restricted or whatever. I called navy fed then to solve the issue, they did conduct a investigation and said I was at fault for depositing the checks. In which I DID not the scammer did. They never went into detail about anything. Im disappointed in how they treated the manner. Even though I didn't deposit the checks I figured I pay the amount of what it was, to see if I can get my account back. So I called the bank and talked with the charge off department, and the representative told me as long as I paid the amount I can open a new account in which I was really happy about, because I love navy federal. So I paid them the amount only for the security team to tell me I can't open a account, which made me upset. So I get  scammed from some XXXX on the phone ( which I take full blame for ). For a check that I guess went through ( my access was restricted so I couldn't see ) and I can't open a account/account restricted? What happened to protecting the MEMBER? Did y'all even verify my signature?
Consumer complaint received 2019-11-07
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. (LA)

THE CREDIT REPORTING AGENCY HAS BEEN NOTIFIED THAT I DO NOT KNOW OWE XXXX XXXX. DESPITE MY REQUEST TO INVESTIGATE AND FAILURE OF THE COMPANY TO DOCUMENT TO ME THAT I OWE THEM THE AGENCY HAS ALLOWED THIS TO STAY ON MY CREDIT REPORT.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (SC)

I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-11-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

On XX/XX/2019, Both XXXX XXXX & XXXX XXXX launched the same program for home retention called " The XXXX XXXX Loan Modification, see attached herein. I have included a copy of the XXXX Reference guide for your review. The program was intended for all conventional loans and therefore servicer 's must adhere by the program reference guide. The financial information and sample provided below proves that we qualify for the XXXX loan Modification : XXXX {$580000.00} ( appraisal Value ) = {$580000.00} {$700000.00} ( Post modification gross UPB ) - XXXX XXXX ( forbearance amount ) New Loan Amount XXXX extended to 40 years 3.64 % PMM rate on XXXX XX/XX/2019 Principal & Interest = XXXX + escrow XXXX PITI {$3300.00} PITI {$3300.00} divided by Monthly Income {$10000.00} = Debt to income Ratio is 0.32 % Less than 40 as it is required by the program. 

Rushmore claims that can not offer a loan modification because we have applied in the past and have been denied. it is irrelevant that we have applied in the past, Rushmore should have approve the loan mod the first time. We qualified then and obviously qualify now. Rushmore are ignoring all loss mitigation options in XXXX Florida and should be investigated for engaging in Florida deceptive business practices. We demand that the lender complies with the XXXX program or get rid of this loan to a third party.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

on or about XXXX XXXX XXXX, all XXXX experian, XXXX and XXXX put a collection from XXXX collections acct XXXX, in which i recieved XXXX XXXX XXXX XXXX i provided a written dispute and validation from the collection company according to the 30 day response requirement asking for written proof regarding this acct..dated XXXX XXXX XXXX which is attached ..to this complaint.. to this date they have not provided that paperwork and according to FDCA credit reporting rules on putting this on my credit reports..that is not allowed by the collection agency to do so ... .which is a violation.i have also filed a complaint against the company.. XXXX
Consumer complaint received 2019-11-08
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)

I forwarded to Experian National Consumer Assistance Center. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, XXXX, XXXX, XXXX, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT intended to be used as a commercial account ( Information ).

See Attached Documents
Consumer complaint received 2019-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America sent my debit card to the wrong address intentionally and stole my card. When I went to file a complaint they ignored the complaint even after I filed it. Then when my deposit came they credited my account XXXX. They then switched my complaint from fraud to dispute stupidly and maliciously in order to repocket my credit as a dispute investigation gone wrong. They tried to steal my rent on purpose and I want my account fixed and the negative XXXX. To be reversed and someone from management ( the President ) to contact me to fix it cause you dont switch fraud to dispute after you file it as fraud. They admitted to sending it to the wrong address and trying to keep my funds. It was never a dispute. If I never got the card it is fraud but the day before my deposit they put this negative balance in my account trying to make me homeless. I will fight back.
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

TRANSFINANCIAL was notified that this is not my debt. despite my request to prove to me that I owe them this money and their failure to proved this documentation, they have falsely reported this information to the credit reporting agencies. This needs to be removed from all bureaus immediately failure to comply will result in my seeking legal remedies.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (MN)

XXXX XXXX  attempted to contact me on XX/XX/XXXX. Alleged debt from Wells Fargo from XXXX. XXXX XXXX states they sent correspondence late XXXX, however did not receive it. Company threatened legal action unless payment was made immediately. XXXX XXXX sent an email via XXXX regarding the debt. I proceeded to fax correspondence to validate the debt and stop contacting via phone, only though US mail. Company contacted me directly and my employer on XX/XX/XXXX at XXXX CST. 
Company is in direct violation of FDCPA. When I called the main contact after I received the subsequent communication on XX/XX/XXXX ; whom I spoke with on XXXX ( XXXX XXXX ) she stated that they received the communication and would not send a debt verification as requested via fax and that she would see me in court.
Consumer complaint received 2019-11-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (TX)

I XXXX XXXX, desire to settle on my remaining collection accounts, and this is my third request for at the very least an offer of settlement. I am facing a serious financial matter where bankruptcy might be my only option. However, I am requesting a very low percentage settlement as I have excessive medical bills that are bringing me to a possible bankruptcy filing. I need a setter of settlement emailed to me as quickly as possible. I also submitted a power of attorney with my collection creditors, and this person can be of service in perhaps settling all of my creditors across the board. I request an immediate settlement offer. I request the services of not only debt buyers, but also from the original creditors as well. I demand the actual costs from each credit as to what the original debt was purchased for. XXXX XXXX.