davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-15
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. (TN)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I contacted XXXX XXXX account number XXXX to change my payment due date and they agree to do so but then reported my account 30days late to the credit bureas.Ive never paid late please remove this remark from my credit
Consumer complaint received 2021-01-15
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

This is unacceptable! Please remove!
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST NATIONAL BANK OF OMAHA (TX)

As of XX/XX/2020 I got a notice from XXXX XXXX concerning my account which to my surprise had been closed! I received NO notice, in fact the only notice I received was when XXXX XXXX sent the notice otherwise I got nothing from First National bank Omaha. I cherished that account. 
According to the Cares Act 2020 We were supposed to be protected through XX/XX/XXXX from adverse actions, I guess First National Bank Omaha seems to think they are immune from Federal Law, We'll see. They said they sent a notice, I never got a notice otherwise this action would not be happening. Make no mistake, there will be consequences for this, even if it was only XXXX dollars. This is not just a threat, I will see you in court and First National Bank Omaha will pay my travel, hotel, car rental, fuel for the car, and food, plus whatever legal fees may come to. Its not the money but rather, the principle.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

I checked my credit report today, XX/XX/XXXX, and noticed there was a recent derogatory account listed as of XX/XX/XXXX. The account was listed as being from XXXX XXXX XXXX XXXX I called Consumer Adjustment Company Inc ( CACI ) today, XX/XX/XXXX to inquire as this is an invalid debt that I disputed in the past. It was deleted in the past due to inaccuracies. When I spoke to the first representative he told me that the dates of service were : XX/XX/XXXX and XX/XX/XXXX. I called the hospital in question, XXXX XXXX XXXX XXXX in Texas and I also contacted XXXX XXXX XXXX XXXX XXXX, both of whom advised they do not have any debts for the dates provided and furthermore they do not work with CACI. I called CACI again and this time spoke to XXXX ( They do not provide last names ). I advised him that the debts are not legitimate and I want to dispute them. He refused to give me information until I asked repeatedly. He then gave me the address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX to mail a dispute. He at first told me I would receive a letter. This was put on my credit report without cause and is hurting my ability to secure a mortgage. I am currently in the process of purchasing a home and this phantom account is hurting us tremendously.
Consumer complaint received 2021-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (UNITED STATES MINOR OUTLYING ISLANDS)

They are charging me {$170.00} for an account that was opened. XXXX Knows when. This look fraudulent. it seems someone else bough something from the company they represent. 
I have no knowledge of how this happened and when this happened. My credit bureau was already informed about this mistake. The company says that it is mine and that I need to pay. I told them repetitively times it is not and that is fraudulent, They do not want to fix it.
Consumer complaint received 2021-01-15
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: Experian Information Solutions Inc. (TX)

I have a medical collection reporting from XXXX XXXX XXXX  with the original creditor of XXXX XXXX XXXX XXXX XXXX XXXX  for {$1300.00}. I had never heard of this doctor before seeing this on my credit, and never went there. I disputed it with the bureaus and never heard anything back on it, or received any verification, and it's still showing on my report.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (MI)

The AAFES Military Star Card took advantage of me while I was overseas. The company fraudulently took money from me and never posted to my account. I came back state side and found out the account had been charged up over 2,000 and no posted payments have been made. I reported this to the company and I was asked for receipts- there was no way I could get those as I was XXXX and didnt keep any cash exchange receipts. I wanted the exchange to open up an investigation into this in 2014 to which I was told that the only way to prevent this from affecting me is to pay off the whole balance, which I did. Almost 6 years later, they have reported my account as delinquent even when I was told that this would be handled if I just paid off the balance, even though I had already made monthly payments that were not posted to my account, as someone was stealing them from the exchange overseas. Furthermore, they have filed a tax write off when there was NOTHING TO WRITE OFF! They fraudulently steal money, failed to flag my account for missed payments, never sent correspondence and told me that this account is my responsibility. They refused to help their customer when fraud was evident and have ignored every chance I have tried to resolve this. I dont owe them a cent and I paid off an amount twice over, only to be treated this way.
Consumer complaint received 2018-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (OH)

I received a telephone call from XXXX XXXX for a debt owed to Continental Finance Company ( XXXX at XXXX ) in the amount of {$630.00}. The first call I received was from a Service Processor stating that I would be served a complaint and that someone would need to be at my resident with two pieces of ID to sign for this Complaint and if I wanted to stop the process - I would have to call their office. I did call -- they wanted the following arrangements in order to stop the Service Processor : {$190.00} on XX/XX/2018 ( which I paid - and it was a struggle ). They also wanted me to pay {$440.00} on XX/XX/2018 to close out the account. I was unable to come up with the finances - so I called and they asked what could I pay - I told them that I would try to get at least {$100.00} - which I did and paid - but set up arrangements to pay the final {$330.00} by XX/XX/XXXX - which I am still unable to do. I pressure and stress to met their expectation is overwhelming. They stated that if I did not keep these arrangements that I would have to come to court and let them settle the matter. Help!
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (VA)

I sent a letter of dispute on XX/XX/2018 asking for them to validate the account they were attempting to collect by sending a signed contract. They did not send the information I requested, but instead reported to the credit bureau 's that it had been verified as accurate. They have not responded at all to my request. I have informed them that they are are required by federal law to validate - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see Validated Proof ( an original Consumer Contract with my Signature on it ) XXXX XXXX XXXX XXXX has on file of the account they claim I owe since I have never had an account with the company they represent and believe it to be a case of identity theft.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (MD)

I got a personal loan from Mariner Finance. I fell behind on the loan for over 120 days, so Mariner Finance initiated a legal process to collect the overdue amount and the balance of the loan. Because of this, and legal fee of {$86.00} was assessed. I was able to pay the overdue amount before this issue got to court, got the account back in good standing, and have made on-time payments ever since. Contrarily, my account has been reported as late from XX/XX/XXXX even though payments have been made on time. I called the bank and spoke with the manager ( XXXX XXXX ) and she was unaware as to why my account was being reported as late when there was a {$0.00} past due balance. I then wrote a letter asking them to rectify this matter and accurately report my account to the credit bureaus as this was now negatively affecting my credit. Come to find out, the reason they were reporting my loan balance as late is because of the {$86.00} legal fee which the Branch manager nor the other employees that I previously spoke to knew about. Moreover, the {$86.00} was not reflected on my statements nor bank summary until I brought the delinquent reporting to the bank 's attention. I then asked if I could pay the legal fee, but I was told that I could not and the only way the get rid of it is to pay the total loan balance which at the time ( XX/XX/XXXX ) was {$8000.00}. So the bank has been reporting my account as late for a {$86.00} legal fee that I could not pay and that is not a part of the actual loan amount that was borrowed. Nonetheless, it is being reported as though I have not made any payments for over a year when this is in fact not true. I've called the bank and formally written them several times only to get the run around and contradictory information. Finally, in XXXX I was told that " Senior Management '' has decided to allow me to now pay the legal fee, which I did. I sent the {$86.00} payment in on XX/XX/XXXX. However, it is still being reflected on my credit report that the account is past due for {$86.00}. Additionally, they've incorrectly reported my account to the credit bureaus. The account has not been delinquent since XX/XX/XXXX. It was being reported as delinquent for {$86.00} that was not a part of the loan amount and I was not even allowed the opportunity to pay that fee until a XX/XX/XXXX. When I asked if they would correct the erroneous reporting, they said no although they admitted to incorrectly reporting this information. Still to this day the {$86.00} is still being reported as past due. Additionally, they have not correctly credited the {$86.00} for the fee to my account. Dealing with this bank has been an absolute nightmare and it should not be this hard to get things done correctly or information reported right as this is their profession. The worse part is that it's clear that the people at this bank has no care or concern for how they're negatively impacting my life.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (VA)

I've been charged overdraft fees on XX/XX/XXXX, XX/XX/XXXX, and yesterday on XX/XX/XXXX.These were {$36.00} each totalling {$100.00}. I have repeatedly tried to pursue a refund but they state they only allow one refund every two years. I haven't been given any notification for fees until the next day, so I am unable to put money in. This handling of my money is very heinous and dishonest. All I am trying to do is get my money back to that was wrongfully taken. I haven't been able to get anywhere with BB & t, even emailing the CEO. I am seeking a just solution and just want my money back. I have been a BB & T customer for a long time but your history or experience with the company doesn't matter, only whether or not they've given you a refund in 24 months.
Consumer complaint received 2018-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

I signed a modification agreement ( HFA Modification ) with the federal government that supersedes any other agreement. It was for the entire loan balance at that time. My original mortgage note was fixed, I never had an adjustable rate loan. The agreement I signed states that the interest rate is 2.375 and it may be adjusted only if my original note was an adjustable loan. That is not the case Every year Mr. Cooper FKA XXXX XXXX tries to increase my payment. I made a complaint previously about them and they apologized and fixed it. Now they are doing it again. Please help me.
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (OH)

I received a letter from a debt collection company by the name of XXXX XXXX XXXX XXXX dated XX/XX/XXXX - which states that the current creditor is XXXX XXXX who is in affiliation with Resurgent Captial. The letter they sent me clearly violates the FDCPA 807 ( 10 ) " False or misleading representations '' in which the preclude to the letter states " Assigned as a Pre-Legal Account ''.  The letter continues on with multiple misleading and confusing statements cited as : If we can not resolve this account, our client will place the account with a law firm and in the same paragraph goes on to state We do not make any decision whether to place any account with a law firm as that decision rests solely with our client. No decision will be made regarding whether to place any account with a law firm until after the end of time frame described below. This is clearly misleading as in one sentence they tell me it WILL be placed with a law firm and a few sentences later it is inferred that it may or may not be sent to a law firm by the beginning sentence of No decision will be made regarding whether to place. This is an illegal practice under FDCPA in which the debt collector is threatening legal action that has no proven intent and is also violation committed by XXXX XXXX XXXX under FDCPA 807 ( G ) ( 5 ). Any letter from a debt collector or creditor has to be clear and concise and be able to be understood by the least sophisticated consumer. The materiality element of the Least Sophisticated Debtor Standard does not hinge on what an ordinary individual might reasonably interpret from a debtors communication, but rather, a material statement is one that  has a natural tendency to influence or has the capability of influencing the decision of the decisionmaking body to which it was addressed. Id. Here, the relevant decisionmaking body is the least sophisticated debtor. Id. ( citing XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Furthermore, XXXX XXXX XXXX states that the " current creditor '' is XXXX XXXX. Under the FDCPA the term " creditor '' is defined as anyone who extends or offers credit. XXXX XXXX XXXX nor XXXX XXXX ( Resurgent Capital ) has ever extended or offered any credit to me.
Consumer complaint received 2018-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GVA Holdings, LLC (GA)

Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money Multiple loans provided to me by XXXX, funded XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amounts of {$450.00}, {$650.00}, {$750.00} and {$800.00} respectively were made at a significantly higher interest rate. I have also discovered that XXXX is not licensed to make loans in the state of Georgia.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

XX/XX/2022 PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dauphin To : The XXXX XXXX XXXX XXXX for PENN CREDIT CORPORATION From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX  XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX  is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXXXXXX XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 





By : XXXX XXXX XXXX
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MD)

My Citi credit card has a feature that I can return a purchase to them if I cant return it to the retailer. I used this feature on XX/XX/18 for a messenger bag I had bought and could not return. 

Citi gave me a XXXX shipping label to send it to them. I dropped the bag off at a XXXX location. After a month and no update from Citi, I called them and they told me they had not received the bag. They told me to contact XXXX. I went to the XXXX store and was told they would have to open a trace because tracking showed it was never processed. The trace was closed without XXXX finding the bag. I contacted Citi and they said it was my responsibility to send them the bag, and that they wouldnt do anything further for me. 

I don't normally use XXXX because it is inconvenient for me to get to a location. I only used them because Citi instructed me to do so. Citi didn't give me an address to send the bag, they just sent me a shipping label. I could not send the bag to them any other way. Now they are saying they take the word of XXXX over mine, and they will do nothing further to assist. My bag is lost because I used the shipping label Citi gave me ; had Citi just told me where to send the bag, I would have used a different, and in this case more secure, method of shipping. 

Now I am out {$270.00} and a bag