davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (CA)

I submitted a complaint of the balance that was currently on my account. I was told that it was correct it when I open my credit report on today, I see that XXXX XXXX has went back on their word and changed the reporting on my credit report back to negative remarks and not the information they stated that would be changed to.
Consumer complaint received 2016-11-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

Nationstar Mortgage , LLC is attempting an illegal foreclosure on our home! Nationstar mortgage willfully and intentionally misappropriated funds that were actually WITHDRAWN FROM OUR BANK and processed via Nationstar 's merchant processing, XXXX XXXX then assimilated into Nationstar XXXX account, held for months, then reprocessed into a Nationstar generated check and mailed back to borrower with no prior warning, threat of detrimental action NOTHING! XXXX {$2200.00} SUBMITTED BY BORROWER, PROCESSED BY SERVICER NATIONSTAR, MONEY HELD IN LIMBO AND NOT APPLIED TO XXXX!!! ) Money held by Nationstar for XXXX months causing not only a delinquency but withholding said FUNDS PAID from XXXX is a criminal offense for a mortgage servicer who takes on the responsibility of an FDCPA regulated collection agency, mirandizing borrowers while scantly servicing mortgage needs. 
Nationstar has proven that it is in their financial interest to force defaults on borrowers, which in turn fuels their fraudulent collection practices, accruement of late charges and fees, immediate property inspections as well as new XXXX XXXX policy requirements to fit their profit structure. All alluding and subversive with regard to nationstar Investors knowledge of unfair business practices Your intermingling of HUD guidelines via mortgage servicing with FDCPA collection guidelines under the same umbrella should be seen as a conflict of interest and is an issue for the Consumer Financial Protection Bureau, FTC to examine as well as the XXXX Treasury Department. Being that Nationstar 's collection and mortgage servicing are based in the state of Texas this constitutes XXXX commerce efforts into the state of Nevada. 
Nationstar Mortgages ' attempt ( via FRAUDULENT debt validation letter from CLEAR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Ph : XXXX ) to VALIDATE and accelerate debt in the amount of $ XXXX foreclose on this property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX ) IS AN ILLEGAL ATTEMPT TO FORECLOSE WHERE THEY HAVE NO STANDING! This debt was challenged by way of debt validation demand immediately following Nationstar 's acquisition of servicing responsibilities from XXXX XXXX XXXX by XXXX XXXX dated XXXX XXXX 2013 sent certified mail to Nationstar Mortgage. NATIONSTAR FAILED TO RESPOND WITHIN 30 DAYS! To this day 34 MONTHS LATER Nationstar has n't so much as responded to DEBT VALIDATION submitted by borrower PERIOD! Proof of receipt can be proven in several ways. 
Should Nationstar be truly interested in keeping the homeowner 's in their home We have included multiple guidelines established by XXXX that Nationstar still has the option to exercise that can save this home from a XXXX drawn out foreclosure and legal battle
Consumer complaint received 2015-08-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Internal Check Systems, LLC (NV)

I have recieved XXXX calls XXXX on XX/XX/XXXX and XX/XX/XXXX ) from a XXXX XXXX with Internal Check Systems ( ICS ) saying that she is coming to my home or place of employment to serve me legal documents for a debt unless i contact them. I called them back on XX/XX/XXXX to get more information and was told that I owe {$520.00} from XXXX XXXX XXXX for a loan that I took out XX/XX/XXXX. They said that I took out a loan and failed to pay the loan back. Therefore, they said that I wrote a bad check. 
They also have called family and friends telling them that I am in debt and they are filing a lawsuit against me and that they are coming to my house to file papers on me. This information is none of my family and friends concern. They should not be contacting them, telling them my person business. 

This loan was taken out over 4 years and i honestly do not remember the circumstances involving the loan, but I do know for a fact that at the time I took the loan out, my intention was to pay it back. 

I have the voicemail messages left by " XXXX XXXX ''.
Consumer complaint received 2023-05-23
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. (TX)

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 : XXXX, XXXX XXXXXXXX : XXXX, 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 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (TX)

NationStar had completed all the refinancing paperwork, then abruptly cancelled my loan application because of a supposed tax lien that goes back to 2006. There is NO current tax liens. I told the NationStar representative, XXXX, to call the supposed beneficiary. 
NationStar refinanced my house in XX/XX/2011- well after these tax loans had been paid off. There were NO Title problems then and there are none now. 
I am contending that NationStar chose to cancel my loan because interest rates had risen. NationStar is just as greedy as every other company in your business.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX 2020 was notified by Bank of America there was a charge on my CC I didn't recognize, I called the bank then was told to call XXXX XXXX XXXX XXXX XXXX said they didn't see any charge of {$58.00} so I was told to call BOA. I then called BOA to dispute the {$58.00} but instead of putting a dispute on the {$58.00} they also put a dispute on a charge I had made for {$16000.00}. Unaware that BOA ended up double charging me for the {$16000.00}, I cancelled my order with XXXX XXXX not realizing what BOA had done. Well, not sure exactly what happened but it took a hole year for BOA to reverse the double charge, plus some of interest and late fees after I wrote a letter to the bank. I have proof I have spoken to over 40 boa reps and supervisor to settle this matter. But, what does boa do, they sent my account to a collection agency without giving me notice. I tried to work with the agencies that were handling the problem but I just got the run around. BOA, is stating I owe {$6500.00}, but I have proof the amount they owe me {$7500.00}. When I have written a certified letter to both collection agency to show me proof that several chargebacks were returned to my account, I got 6 years of statements. The odd thing is the statements had two different balances on 7 months. Now, BOA served me with civil court papers and I had to pay {$220.00} to answer the compliant. I have over 100 pieces of evidence to show how bad I have been treated. I just printed out my credit statement and all of my accounts state Never late exceptional payment history except the BOA.
Consumer complaint received 2015-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: First Collections Inc (MN)

I received a letter about an unpaid debt ( which is not real - I have no unpaid debts ). The letter threatened wage garnishment unless I paid them, or I could give them all my dependents ' names and Social Security numbers to have the amount reduced. This is an incredibly obvious scam, but I can see people still falling for it.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-11
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Commercial Recovery Systems (AZ)

CRS contacted my elderly parents home in Illinois threatening them that they are going to sue thier son if he does not handle the debt. The person we spoke with was XXXX at XXXX. This company continues to harass my parents and threaten them rather than me which I would prefer. However this company is know for these tactics and has been brought to suit by the FTC for the same behaviors. I can not upset my elderly parents with this ridiculous behavior and threats. They do no need to worry about me. This tactic is scaring them and causing XXXX for them and it is despicable. I myself suffered my XXXX on XXXX XXXX, 2016 due to XXXX and I dont need this happening to my parents. They also discussed my debt with my parents. Telling them if I dont call they will sue me? Unacceptable
Consumer complaint received 2017-05-10
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 am filing this compliant against    XXXX   XXXX   XXXX     XXXX  and  XXXX  because I have no knowledge of this account information that 's reporting on my credit reports ... I have sent several request for debt validation to   XXXX   XXXX   and disputed with the all  XXXX  credit bureaus still have not been provided with proof that this debt belongs to me,  XXXX  &  XXXX  continue to reported this account as verified, without proof. However  XXXX  has removed this account from my credit report.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2018-03-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd. (GA)

I contacted this company and by phone explaining this information was false. I requested that they stop attempting to collect and asked them to close and completely remove this account from all 3 credit bureaus, deleted. They havent done it.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, Transunion still reporting Released Tax lien, I 've sent 3 notarized certified letter and they are still report after XX/XX/XXXX Released date XX/XX/XXXX Reference number XXXX Name : XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX and Account name : XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2018-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (MO)

This company ( Choice Recovery ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$390.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I address the consumer reporting agencies regarding multiple unverified accounts causing undue financial and emotional strain. I demand all disputed accounts to provide the original contracts within 30 days. Failure to comply will result in legal action against the involved companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (AZ)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Bankruptcy Case Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (PA)

I just filed Complaint XXXX for the exact same reason when I got a call From Wells Fargo stating they are also voiding my new card the number I will enclose for the exact same reason.
Consumer complaint received 2023-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

My credit scores on XXXX and XXXX went down 29 points each because it was reported I missed a car payment and my car loan balance went up. I have never missed a payment, I contacted Santander and the rep advised there was no notations of my total going up or late fees due to no payment.
Consumer complaint received 2023-05-20
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: PNC Bank N.A. (OK)

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately PNC BANK XX/XX/ Balance : {$47000.00}
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: T.S. Holdings (MO)

I DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE. 

XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXX XXXX  XXXX XXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX  XXXX FOR {$450.00} ACCOUNT NUMBER XXXX
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (MD)

Last XXXX i went through a hardship and i brought my account positive and i did not used my accounts any more after. As of XX/XX/2023 i have hundreds of dollars overdrawn. I have a member with Navy federal for 12 years and did not have a problem with paying and utilizing my account in a positive way. I lost XXXX family members last year and went through alot of XXXX because of this loss and also losing employment. I have reached out to the company and was not even considered for the longevity and loyalty that i put into business with Navy Federal. This is also a loss for me. Please assist with getting my accounts reactivated. 
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! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

1 ) Transunion 2 ) Experian Several months ago, I signed up for a free trial with both these firms which if cancelled in allotted time, billing would not occur going forward. In both situations I cancelled within 1 day, however both of these firs are debiting my account on a monthly basis, each for around {$25.00}. I have contacted them 4 times, telling them this was authorized and revoking any so called agreement that my account would be charged. Neither of them ever replied and the monthly deductions keep occurring. I have considered closing my debit card so that they would no longer have access. This would be a significant disruption, so Im reaching out to you for help.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. ()

Good day dear Madam/Sir I am a citizen and a resident of the state of XXXX, in the XXXX XXXX. 
My complaint is of Citi Bank employees failure to provide me with accurate and true data from XX/XX/2021 - the day I called to close my checking account. 
One of them also waved away my request for XXXX $ US reimbursement of my XX/XX/XXXX, and XX/XX/2021 telephone talks with Citi Bank Customer Service - International call rate. 
In my attached letter is my present demand from Citi Bank.