davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC. (OH)

We was in an XXXX accident in XXXX of 2016 in XXXX, Ohio. The man who XXXX cited for the accident and we went to court. We assumed this situation was done for and everyone was pretty much chalking up the damages to our car. We get notified from the XXXX when we tried to get tags on a new car and we were notified that the license was suspended due to the accident and that we owed the man almost XXXX dollars. We NEVER got any notification of this from last year to now. If we never went to the XXXX we would have never known. Every time I attempt to call these people to get more information they give me the run around or they just hang up on me.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BARCLAYS BANK DELAWARE (NJ)

I had a credit card with Barclays and now the debt is owned by XXXX XXXX from what I am told. The original amount of the credit card was XXXX in which has been charged off by Barclays and XXXX XXXX it trying to collect over 1700 from me who is a student and do n't have alot of money. I received a lawsuit paper from XXXX and XXXX who has not been negotiable with the debt, I have tried several times to offer them half of the XXXX which I do n't understand why I would have to pay more than what I owed and they refused and want me to pay XXXX. I have agreed to making XXXX payments a month for now, but want to just get rid of this and make the original offer of XXXX which would be less now. I need for you to help me in this matter and collection agencies are relentless and now have a lawsuit pending in which is on hold for now since I made a payment arrangemtent.
Consumer complaint received 2024-07-04
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom This May Concern, MERCHANTS & MEDCAL I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not recieve proper notification. If in fact you believe that I received proper notification, please provide the certified mail with a receipt with my signature on it stating that I received it.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

Collection agency has no authority to furnish any account to a consumer agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) The collection agency is violating my consumer rights by using false misleading, misrepresentaion and deceptive means. 

I am disputing owing any and all depts. I am also revoking all rights of them ( MERCHANTS & MEDCAL ) communicating with me through email/text/calls. I would also like to request the purchase agreement between MERCHANTS & MEDCAL and the original creditor. Along with furnishing proof of license and bonded.

Also 15 USC 1692 ( c ) states that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may NOT communicate with a consumer in connection with the collection of any debt. 



Sincerely, XXXX XXXX
Consumer complaint received 2023-12-15
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 HAVE PREVIOUSLY DISPUTED ACCOUNTS THAT WERE OPENED FRAUDULENTLY DUE TO ME BEING A VICTIM OF IDENTITY THEFT. THIS COMPANY HAS IGNORED MY REQUESTS, ALTHOUGH I HAVE PROVIDED PROOF OF IDENTITY, A POLICE REPORT, A FTC REPORT, AND FILED A CFPB COMPLAINT PREVIOUSLY. I HAVE SINCE FILED AND WON A LITIGATION AGAINST TRANSUNION FOR THEIR MALICIOUS TACTICS NEGATIVELY IMPACTING MY LIFE. SINCE THEN, THEY HAVE REMOVED ONLY A SELECT FEW OF THE ACCOUNTS OPENED WITHOUT MY PERMISSION, BUT HAVE LEFT THE INQUIRES THAT FOLLOWED. I HAVE REACHED OUT TO TRANSUNION MULTIPLE TIMES AND EXPLAINED THAT THEY HAVE BROKEN THE LAW BY DOING SO ; FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. TODAY XX/XX/23 I SPOKE TO XXXX XXXX AND SHE TOLD ME THAT THEY HAVE PREVIOUSLY REACHED OUT TO THE COMPANIES IN QUESTION AND THAT TRANSUNION DOESN'T DELETE INQUIRIES WHICH IS A LIE BECAUSE THEY HAVE DONE SO IN THE PAST. THE FCRA STATES THAT NO ITEM CAN BE REPORTED ON MY CONSUMER REPORT WITHOUT VALIDATION/ MY PERMISSION. SO THAT IS ALSO A VIOLATION OF MY RIGHT TO PRIVACY. I HAVE NO CONTRACTS WITH XXXX XXXX OR XXXX XXXX XXXX. I HAVE REACHED OUT TO BOTH COMPANIES AND REQUESTED A WET SIGNATURE OR ANY PROOF COLLECTED TO VERIFY IT WAS ME WHO REQUESTED TO OPEN AN ACCOUNT WITH THEM. THEY HAVE NOT BEEN ABLE TO PROVIDE ANYTHING, SO WHAT INVESTIGATION IS BEING DONE BY TRANSUNION IF THEY COMPANIES THEMSELVES HAVE STATED THAT THEY DO NOT HAVE ANY PROOF? I SENT ANOTHER FTC, POLICE REPORT AND A LETTER TO TRANSUNION ON XX/XX/23. ON XX/XX/23 I RECEIVED A LETTER IN THE MAIL STATING THAT MY FTC REPORT WAS " NOT VALID '' BECAUSE OF MISSING INFORMATION, WHICH IT WASNT. TWO OF THE FOUR DISPUTED ITEMS WERE REMOVED FROM THAT SAME FTC REPORT SO HOW COULD IT BE " MISSING INFORMATION ''?
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Nationstar mortgage servicing company has placed a real estate tax escrow on this account and refuses to remove it even though the owner has paid the taxes herself. They are treating the account as being in arrears and holding the P & I payments in suspense account and treating those as in arrears also. There are no Taxes due and the city has stated that all payments ( 2of them ) by the mortgagee will be returned to the mortgagee. In spite of numerous tel. calls, during one of which the agent of Nationstar gave me deliberately false info. and after four letters detailing this, they still refuse to rectify this and record the payments properly and remove the escrow. This is now damaging the owner 's credit by showing up as late payments and arrearages.The letters are dated : XXXX XXXX ; XXXX XXXX ; XXXX ; and XXXX XXXX all of 2017. The phone calls were in between with the false info. coming in the phone call on XXXX XXXX.
Consumer complaint received 2023-04-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (IN)

Back in 2019 XXXX XXXX was sued due to increasing instrests and raising carpayments. My car was so in this lawsuit. By understanding after was taking by them and not doing there part they then sold my account. The lawsuit also stated for a compensation and I never got anything but billed a strange amount that isn't mine and no car! It is hurting my credit and I can't get another car because of it. Please help!
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

Documentation was sent to Experian listing a request for the deletion of multiple inquiries that were listed on my report in error. I also spoke to someone in their special handling before it was not helpful even though she had my police report that I previously sent. Proof of any signature on an application from me requesting credit. The following are the inquiries that I expect to be removed : 1.XXXX XX/XX/XXXX, 2. XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX, 4. XXXX XX/XX/XXXX, 5. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 5. XXXX XX/XX/XXXX and XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, 8. XXXX XX/XX/XXXX and XX/XX/XXXX, 9. XXXX XX/XX/XXXX, 10. XXXX XX/XX/XXXX, 11. XXXX XX/XX/XXXX and XX/XX/XXXX, 12. XXXX XX/XX/XXXX and XX/XX/XXXX, 13. XXXX XX/XX/XXXX, 14. XXXX XX/XX/XXXX, and 15. XXXX XX/XX/XXXX. I also have XXXX accounts that I asked for verification on and was refused. I understand that it 's my right to have everything report so I expect for that to happen. The accounts are follows : 1. XXXX, XXXX, XXXX, and connected account number XXXX is showing me having a late payment which is in accurate. I 've never been late on my account so please have that fixed. All I want is for Experian to follow the laws which are set up to protect us as consumers.
Consumer complaint received 2022-02-03
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. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-12-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (TX)

After a recent article came out with XXXX investigating NFCU about its denial of more than 50 % of its XXXX loan applicants and approving 75 % of its XXXX loan applicants. I beleive that all of my loan applications since 2020 have been denied based solely on my race ( XXXX ) and not based on my credit score and level of income. 

In fact most of the applications will not even let you complete it after using demographic information such as a social security number. A social security number contains all demographic information needed for a the application.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of the Student Loan close accounts on my credit report They both are charge off. Using the 15 USC 1692g validation of debts, I don't recognize how this account Is reporting on my credit report. I do not recognize the account number. I do not recognize the account Status. I do not recognize the account High balance. Nor do I recognize the late payments associate with it. Everything reported here does not meet the FCRA. I didn't receive any 1099-c from these company. Also, the balance is {$0.00}. It shouldn't be on my credit report.

In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc. (SD)

So the picture below will show that avant tried to collect on the account after they had closed the account and written it off. Also after I sent them a cease and desist letter they they sold it to the new creditor. How can they collect on a closed account that they sold isnt that fraudulent for double collecting especially an account they no longer own. So the avant account was closed XXXX of XXXX and they tried to collect payment on XX/XX/2022. They sold it XXXX XXXX years after the account was closed. After I had sent them a cease and desist letter on XX/XX/2022. Not only that but the origial loan was for XXXX dollars and I am trying to be collected for almost XXXX that is completely incorrect. The original owner of the account did not honor their warranty either on this mattress that I had purchased.
Consumer complaint received 2018-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Our mortgage is with Wells Fargo Mortgage and I had chosen to the property tax deferred program for my yearly property taxes. This is the 3rd year in a row that I have done a tax deferred program since I am XXXX years old. 
On XX/XX/2018 I received a letter from The Dallas Central Appraisal District stating that they had received and processed our Tax Deferral Affidavit and it had been approved. On XX/XX/2018 I sent a letter to Wells Fargo Mortgage along with a copy of the letter I had received stating that I had been Tax Deferred. On XX/XX/2018 I received a letter from Wells Fargo saying that they were going to pay my taxes, this is after I had sent them a copy of the letter from The Dallas Central Appraisal District. I continued to receive letters from Wells Fargo Mortgage demanding that I pay the taxes and I continued sending them letters stating that I had been approved for Tax Deferral. I also tried calling them and spoke numerous times to many different people that I kept getting referred to speak to by whomever I was speaking to originally. These people were supposed to have been resolution specialists for Wells Fargo and they were totally worthless! I noted 5 different specialists whom I spoke to, XXXX XXXX, XXXX ( don't have his last name ), XXXX XXXX, XXXX XXXX, and the fifth one was XXXX XXXX. All of them said they would look into my problem and call me back and not one of them ever returned my call. 
Their letter said that they had paid my taxes for me and wanted me to pay this back to them when I NEVER agreed to doing this nor would I have agreed to it being that I had been legally tax deferred and had a letter to prove it. Wait until you hear this!! They wanted me to put into my escrow account to pay this back the amount of {$12000.00}, and if I had paid my property taxes it would have been {$7100.00} so they were going to make off of me an additional amount of {$5100.00}. So in other words they wanted to increase my monthly mortgage payment from {$1900.00} to {$2500.00} starting XX/XX/2018, that is absolutely robbery and not legal to do! I have always paid my mortgage on time and been a good tax paying citizen all my life. I started and own XXXX XXXX XXXX and have owned it now for 50 years and I believe I am in the top 5 one owner XXXX  companies in the state of Texas and possible even the southwest. I have been a member of the XXXX  for over 16 years with an A+ rating, I do not deserve to be treated in such a disrespectful manner, I am no XXXX! In doing research online about Wells Fargo I could not believe they are already are being fined a XXXX dollars in lawsuits, what does that tell you?! I want to complain to the Federal Regulator but was told to complain to your company first.
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC (AZ)

Dear Sir/Madam, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a troubling issue related to the denial of a vehicle loan application submitted to Global Lending. This denial appears to be in violation of the Equal Credit Opportunity Act ( 15 U.S. Code 1691 ) and may involve allegations of securities fraud.

The details of my complaint are as follows : Vehicle Loan Application : On XX/XX/2023, I submitted an application for a vehicle loan to Global Lending. To my surprise, my application was immediately denied. 
In response to the denial, I sent a certified letter to Global Lending seeking additional information and clarification regarding the denial. I have attached a copy of this certified letter to this complaint for your reference.Despite sending the certified letter, I have not received any response or communication from Global Lending. This lack of response is concerning and has left me with unanswered questions and uncertainties regarding the denial of my loan application. 

Securities Fraud Concerns : I believe there may be potential securities fraud involved in this matter. Global Lending has a published 10-K annual filing and an indenture agreement with XXXXXXXX XXXX  XXXX While they denied me credit, it is possible that my loan application was still sold, which could affect my security interest. This raises serious concerns about the treatment of my personal and financial information. I realize the application says it can be transferred, but the application does not say that they can deny you access to your credit, then sell your security on the commercial paper market, earn a profit from my application because it is pooled into assets backed securities. They also violated equal consideration. The applicant was accepted when it was sent, they accept it but then denied, so credit should have been issued. 

I am filing this complaint with the CFPB to request a thorough investigation into Global Lending 's denial of my vehicle loan application, their lack of response to my certified letter, and the potential securities fraud implications of this situation. I seek clarification regarding the denial and whether it was in compliance with the Equal Credit Opportunity Act. Additionally, I want to ensure that my personal and financial information has been handled appropriately and in accordance with relevant laws and regulations.

I kindly request that the CFPB investigates this matter promptly and thoroughly. It is essential to determine whether Global Lending has violated consumer protection laws and regulations, including those related to equal credit opportunity and the handling of personal information.

Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with consumer protection laws and provides clarity regarding the denial of my loan application. 

Sincerely, XXXX XXXX XXXX