davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On or around XX/XX/23 I submitted a dispute on a collection debt of {$1200.00} furnished by XXXX XXXX XXXX. I requested information to get a better understanding of this debt and to verify it is, in fact, mine. Instead, I got a message that the debt was validated and a threatening letter from XXXX demanding I pay {$1200.00} to stop something they call " the pre-legal process ''. This is in blatant violation of the FDCPA and should not be considered an acceptable response to debt validation/verification by the consumer. I have a right to an accurate credit report.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

The Company National Credits Systems has been trying to collect {$4000.00} from me. A debt they purchased from XXXX XXXX XXXX, which was a Civil judgement In the amount of {$970.00} that I actually owe due to unpaid rent. They havent given me any information on how they came to the amount when I have actual copies of the judgment against me. I just want the correct amount reported before I settle with any and all parties.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Various threatening calls to send authorities to serve legal documents. Nonstop phone calls from various numbers from different states. Worst debt collector for many years, unstoppable. 

Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX XXXX
Consumer complaint received 2023-05-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I will not accept Flagstar charging me 0.25 % of the outstanding principle for me to manage my own Insurance and Property taxes when they are delinquent with paying my Insurance. Therefore I will be filing an official complaint with both the CFPB & XXXX ( Mortgage Lender Servicer The mortgage lender servicing license is required for any mortgage lender licensee who services a mortgage loan. " Servicing a mortgage loan '' means to receive, cause to be received, or transferred for another, installment payments of principal, interest, or other payments pursuant to a mortgage loan. ) My goal is to manage my own payments and not be charged for doing so when they can not manage my payments as evidenced by my homeowners not being paid AS OF XX/XX/year>, WITH A LAPSE IN COVERAGE ON XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Loan # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX sued me and found out I have no taxable income. They voluntarily withdrew. Since they have done several different credit reporting tactics to ruin my credit and impact my ability to an accurate credit report. Short of obtaining my own legal representation I don't know what they are doing is above board. They are reporting a charge off as an open account on the only credit reporting agency that most lenders use ( see attached ) FICO. They are reporting the charge off as new every month so it unfairly impacts my score. This account charged off in XXXX but as of XX/XX/XXXX the charge off is posting as new and open ( see attached ) yet reporting closed in the description of the account. I had only one other account, XXXX, and they posted the one charge off in XXXX and haven't posted it since, which is the way it's suppose to be reported. You can only charge an account off once yet XXXX XXXX has reported a new and open charge off every month since the original charge off in XXXX on my FICO account. This is unfair and damaging to my ability to recover from a financial hardship and a low point in my life. When I became XXXX and could no longer work.
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (FL)

My new auto purchase of a XXXX XXXX was financed through Truist by XXXX XXXX. I've dealt with XXXX before, so had no concerns. I was told it was a simple interest loan with no pre-payment penalty ( partial or in full ). I've been make more than the regular monthly payment since the loan began and each time the due date is being advanced, as in future interest collected, and principal not being reduced accordingly. Customer Service attempts to correct was met with " I don't know how it's done, but this is the way it is .... ''. I finally reached an executive level complaint person after complaining through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sadly, she understood my confusion but was not any better at explaining how interest is calculated. She advised that the ONLY way to make a true principal reduction was to go to branch rather than paying online. This seems incredible stupid, but I did that on XX/XX/XXXX. I went to a local branch after paying the amount that was due on the statement early in the month and made a {$1000.00} principal reduction. I stressed to the tell that this was NOT a payment, but a PRINCIPAL REDUCTION. I got a receipt for {$1000.00} as principal reduction. On my last statement that payment was applied as : 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  CLEARLY NOT PRINCIPAL REDUCTION. THIS IS A SCAM AND I WANT IT CHECKED INTO. It is IMPOSSIBLE to speak to a Truist person with any authority or knowledge. 

I am mad!
Consumer complaint received 2022-11-28
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  Date of inquiry : XX/XX/2020 XXXX/XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The current ability to freeze and temporarily unfreeze a credit report is very cumbersome. It's hard to know which agency ( ies ) a particular lender might use, and precisely when they'll need access. Unlocking all three for arbitrary periods increases risk of abuse.
Consumer complaint received 2024-06-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AZ)

I have an American Express Gift Card that I got from my employer for {$1000.00}. I've tried to use it various places and everywhere I go the card is declined. I have tried different stores, different amounts, ensured that what I am purchasing is not over the balance, even left a 20 % cushion and it is denied every time.
Consumer complaint received 2022-11-28
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. (MI)

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-19
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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.
Consumer complaint received 2023-03-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm writing you myself. This demand has no third party. 
I've informed you of unfair practices before. YOU VERIFIED THESE ACCOUNTS WITHOUT ME. The banking system relies on fair and reliable customer reports. I'm getting erroneous information without notice. Your organization did not inform me that these inconsistencies will be reported during your initial examination. 

I'm letting you know that I've been wronged and lost trust in your company 's practices. I'm notifying you that I won't extend my credit and won't let you record my information in your company 's database if this information isn't erased. 

Your company 's mistake wrecked my credit and reputation. 

Your company thought that was accurate without consent from me, the consumer, or a competent court. You also failed to investigate this information initially. You assumed this role and trusted this information. Another infraction. You can not assume for me or assume this information is valid. 

You did not verify this information or act fairly. You only heard one side and never asked if I made this transaction. This infringed my privacy, which is another offense. 


Before adding this to my report, you never offered me a chance to deny it. 

I will demand reimbursement for the harm your company caused me by disclosing incorrect information and that efforts are taken to prevent future Fair Credit Reporting Act ( 15 USC 1681 ) violations. Please confirm your compliance in writing. 

Again, I'm addressing these demands on my own behalf. NO THIRD PARTY. This is my second chance to meet my demands. Certified mail sent my first attempt. This attempt will be sent certified. 

I am invoking specified remedy as the original creditor and demanding the following : XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX I will allow you ( 15 ) days to process these deletions, otherwise this will lead to much more damage.
Consumer complaint received 2019-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo removed and withheld at least 11 months of what was originally intended and agreed to be prepaid monthly interest and principle taken by automatic payment from my bank account. The monies were applied toward advance monthly payments contrary to the intention to pay down the mortgage principle and interest. 
The monies applied to advance payment were based on a bimonthly increase above the regular XXXX. This bi-weekly payment was an increase of XXXX each bi-weekly payment. 

Due to the calendar variation, there were some months three bi-weekly payments were made in one month. 

I discovered this on XXXX when I received a letter from WF advising that my automatic payments can only pay your account ahead by one payment. I was confused and telephoned that day and was on the phone for about three hours. In that time three times the telephone call dropped and I thought it was my telephone service. Three agents advised me that my account was prepaid 11 months but also all three assured me that the principle had been paid. Each time I insisted that it was not possible that my money could show in both ledgers. Each time I advised that I never authorized advance payment of my mortgage. Each time I was told to hold on. As I listened to music, each time, the phone call dropped, hence three agents before reaching a supervisor, XXXX and finally, XXXX from the executive office. XXXX informed me that advance payments of three months could be applied and that anything in excess of that is returned to Wells Fargo investors. Both identified 11 months advance payments. XXXX agreed to open a dispute. She advised that I would receive a call on XXXX and provided number XXXX as a reference dispute number. 

I have not yet heard from their office.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson Cruz & Associates LLC (GA)

I am writing to dispute the following information in my file. Nelson Cruz by way of XXXX XXXX has applied a falsified account to my credit file. This account was fraudulently created in my name and I am unaware of its existence. I am requesting that Nelson Cruz by way of XXXX XXXX have the item removed from my credit report.
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meade Recovery Services, LLC (UT)

A little over a year ago discovered that I owed money to XXXX XXXX XXXX XXXX which I've never visited. The debt is now being collected by XXXX XXXX XXXX. I called the dental office and they said that I can resolve the problem with the Debt collection agency, but after calling they were no help. I also submitted a couple disputes through XXXX credit report agencies, but the dispute was dismissed as " Accurate Information. ''
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

This letter is to inform Equifax that they are breaking the law by reporting this bankruptcy on my credit report. 1. I never gave you or any other agency permission to put this bankruptcy on my credit report. You need a " permissible purpose '' or my written permission to report items to my credit report. 2. you have infringed on my right to privacy by reporting this illegal and inaccurate information. I recently wrote the U.S Bankruptcy courts and they informed me that they do not report to anyone. I went ahead and contacted XXXX. They said they do not report to anyone also. I then contacted XXXX XXXX and they too let me know that they do not validate anything from the courts. The 3rd thing that is wrong with this Bankruptcy being reported to my consumer reports is that you aren't even reporting the balance that is owed. Under the law, I have the right to fair and accurate credit reporting. So please help me understand how you are reporting this Bankruptcy on my credit reports when no one can validate it. If you can not provide me the information on who validated this account. 1. Name of the person you contacted, business address, and telephone numbers so that I may follow up. 2. How did you contact the furnisher and verify my information? 3. What paperwork you used to verify my information? I would also like to know if the person you contacted gave my name, social security number and birthdate, and address. Since this information was obtained illegally and since it infringes on my right to privacy I want this Bankruptcy removed from my credit report immediately and provide me with an updated credit report. I appreciate you investigating this matter and giving it the attention it needs. Thanks in advance.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

Filed an Affidavit of Unauthorized Paper Debt with USBank on XXXX in the amount of {$2400.00} for a stolen and forged check. USBank allowed a forged check funds to be taken out of my account and given to the forger. Additionally, US Bank refused my claim on XX/XX/year> citing a 30 day policy for stolen check discovery. I was not aware my check was stolen and forged until I received a notice from the XXXX XXXX XXXX XXXX Collector for unpaid property taxes. I promptly notified USBank shortly thereafter. I also filed a police report with the City of XXXX, CA Police department, Report for Incident XXXX XX/XX/year>, Detective XXXX. He advised that USBank was NOT willing to assist him in this matter and that the bank would not release any information regarding this matter. This was totally UNACCEPTABLE to me. US Bank is negligent in their fudiciary responsibility to guard my funds that they are the custodian for.
Consumer complaint received 2023-03-03
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts #, XXXX dated XXXX dated XXXX dated XX/XX/2018, has violated my rights.

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 states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates 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.
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

Ocwen has been over charging me escrow fees since XX/XX/XXXX. My property taxes were {$6500.00} in XXXX, but Ocwen charged me nearly {$9000.00} in property taxes. My home owners insurance was {$200.00} per month in XXXX, but Ocwen charged me {$280.00} per month. In XXXX my taxes went down to {$2500.00} per year because I reached age XXXX, but 0cwen continues to charge me {$780.00} per month. I have complained in multiple occasions and to date  nothing has been done. I need relief and a lower monthly payment.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (FL)

Back in XXXX i filed a complaint with Discover Card over a series of charges from XXXX XXXX on my credit card. I don't use XXXX XXXX. I don't have XXXX XXXX charges, it kept happening and kept asking for details and please make it stop. They kept investigating and said they would get back to me but never got me an answer for what the charges were for and placed the charges back on my account. I went through this with them a few times in XXXX again and again. 

Discover card claims on multiple different methods but even the chat representative : " You are never responsible for unauthorized purchases on your Discover card. '' But they cant tell me what those unauthorized charges were and just charge me. 

I got this message today from their service representative : Hello! I'm XXXX, a live agent in our Illinois location. I'd be more than happy to help you today! Thank you for being such a loyal Card member with Discover, we surely appreciate you! I understand you are frustrated as you mentioned you have been getting charges that your don't recognize. You are never responsible for unauthorized purchases on your Discover card. Have you been able to speak with our security team so we can flag these transactions?
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am submitting this CFPB complaint because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} You are flagrantly infringing the Fair Credit Reporting Act by continuing to display this account as past due despite the fact that it has been fully paid and has no outstanding balance. The payments on this account have never been late. My records show that I never missed a payment on this account, and it was settled in accordance with the terms. Please take care of the late payments or completely remove the disputed account from this account 's payment history. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1.00}, XXXX Despite my numerous requests to dispute this account and correct the payment history, you have done nothing. The late payments that are reflected in the account 's payment history are misleading because I never made late payments for this account. Please remove the reported late payments from the payment history as soon as you can. 

XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} Neither was nor will this declaration be late. Given that you are adding fraudulent and incorrect information about me to my credit report, I've tried to request that you change the payment history. Please discontinue noting late payments on this account moving future, and just provide accurate information. True credit reporting is required by the FCRA.