davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a file below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MD)

After receiving notice from Td Bank ( XX/XX/2020 ) that our homeowner 's insurance had lapsed, we immediately responded with the supporting documentation to dispute that claim : escrow statement showing full payment ( 12mos. ) to our insurance company, and a declaration page stating the coverage period. In the weeks to follow we made several calls to their customer service mortgage department to rectify the situation and hasten a solution ( refund ). At one point we even enlisted the aid of one of the banking center managers assuming that he would have access to the appropriate personnel! All of our efforts have been ignored. It was not possible to request the same agent when I called and each call involved retelling my story and being given the same response : " we will expedite your inquiry ''. Our account was billed an exorbitant amount, {$4200.00}, for insurance that was purchased by TD bank and they have not provided any explanation for why they claim we had no coverage. Meanwhile we were never notified that we were ( supposedly ) at risk and it was 5 months before we got any notification, and were billed well after the fact. 
The level of disregard for our concerns and consumer rights is more offensive than the incompetence of the customer services at TDbank!
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I do not agree or accept the company response. I demand they send me the agency and employees that they verified their information with. In addition, I want my XXXX XXXX account to reflect as on time for the 30 day late because it was paid on time as agreed. They also is in violation of 15 U.S.C. 1666B.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

This is a follow up to CFPB complaint XXXX credit card account ending in XXXX fromXX/XX/2018. 
A letter from XXXX XXXX  was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that XXXX XXXX did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from XXXX XXXX dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that XXXX XXXX  is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report sinceXX/XX/2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by XXXX XXXX and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from XXXX XXXX.
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Choice Recovery, Inc. (OH)

CHOICE RECOVERY account NumXXXX I have XXXX unverified accounts from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY and I believe it is a HIPPA Act violation. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Numbers XXXX
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (MI)

Received letter from TRS Recovery Services, XXXX GA on XX/XX/23 stating I owed payment on an item purchased on XX/XX/23 from XXXX. I called XXXX and they verified my account was on good standing. I sent their form back indicating this was not my debt, and asked for the Original Creditor. They sent the second correspondence on XX/XX/23 which identified XXXX as the Original Creditor. I contacted XXXX Customer Service again on XX/XX/23, and they confirmed this is not my order, there is no order with this number or amount, or item on my account. XXXX Customer Service said to ignore this, but I researched and found this is a legitimate Credit Collector. The item on the correspondence was supposedly paid for by E-Check, and I don't know what that is. I have a payment method set up in XXXX, they always email me to confirm my orders and I also get confirmation when an item has been delivered. XXXX confirmed no emails were sent to me on XX/XX/XXXX, which was the date the item was ordered. Another concern I have is that the tracking information did in fact indicate a delivery, and to a friend of mine. How did her name get attached to anything in my account? Also, the first name ( mine ) for billing is not the same as the one I have set up in XXXX ( which was my first red flag ).
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (AL)

I've been receiving phone calls starting at XXXXXXXX XXXX back to back multiple times I believe I counted as many as six calls before XXXXXXXX XXXX., when I answer the phone no one will speak I can hear background noise and voices in the background but no one ever acknowledges that I answered the phone. I have called to complain but they say initially they have not called until I say that I am making notes of this and have the call logs and are going to submit a complaint to consumer Finance protection bureau, then suddenly they are aware of the calls and sight technical issues or some other unknown issue. The phone calls however do not slow nor do they stop not speaking when I answer the phone. I have been receiving XXXX XXXX  over the past few months, I do not believe that it is this company that is sending them, but when you receive XXXX XXXX alongside phone calls where no one will speak constantly it becomes unnerving and unsettling quickly. I have made my agreements known with the company to no avail and I'm now reaching out to my government for help. Is there anything that can be done about this? And should I contact an attorney about the harassment? I am afraid and unaware of what steps to take next about this issue, any help would be greatly appreciated. I will gladly give the call log history upon request because I think I have to pay to get a detailed list going back that far. Thank you have a nice day.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (PA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

information furnished is inaccurate. tried to resolve many times before. NEED DELETED for INACCURACIES!
Consumer complaint received 2020-03-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CA)

Credence Resource Management Numerous calls and I mean Numerous Very hard to let them know- I mailed a {$52.00} check to XXXX XXXX XXXX  @ XXXX XXXX XXXX, XXXX  NY XXXX The bill amount is for {$52.00} check is fromXX/XX/2020 I am XXXX person and can not stand the stress of this issue! 
I believe in paying my bills-However I was taken to a hospital for almost serious health problem. 
I did call XXXX to check on what is going on. I believe they sold this to them probably for a dollar or so. 
I do not believe a person credit should be suffer for {$52.00} I need help with this matter. 
Better commucation is the key!!
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

In accordance with the Fair Credit Reporting Act APPLECARD/GS BANK USA has violated my rights with Account # XXXX. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-19
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: Avant Holding Company, Inc. (NJ)

I am submitting this complaint without any influence and without any third party. On XX/XX/2023 at XXXX I faxed my letter ( see attached document labeled AVANT LETTER OPT OUT ) to Avant requesting proof that Avant followed the conditions required by the Gramm-Leach-Bliley Act to respect my privacy and protect my nonpublic personal information and notifying that I am exercising my right to opt out of credit reporting since they failed to do so. Avant responded by email ( see attached document labeled AVANT XXXX ) and did not address my concerns nor did AvanXXXX provide any proof of following the conditions required by the Gramm-Leach-Bliley Act.
Consumer complaint received 2023-01-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I contacted Wellsfargo when I started struggling to pay my mortgage. I asked for help with the {$1100.00} plus a month in a neighborhood, where houses where not worth half of that. ( truth ) They suggested that I modify or at least try. They denied modification after all that and I continued to struggle to pay payments until I could no longer afford to keep the house after 30 years when it should have been paid for. So I had to pack up my stuff and move from my home of thirty years. The sheriff was notified that I had to be off the property. Wellsfargo took thousands of dollars from me because I didn't know any better. All of this took place from XX/XX/XXXX to XX/XX/XXXX XXXX
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

My loan transferred from Great Lakes to Nelnet. I am missing tax statements from when I submitted payments to Great Lakes in the beginning of XXXX. They state the account is closed and I need to go through Nelnet however no payments transferred in the conversion. I was using another party to submit loan payments so I have documentation that Great Lakes accepted the payments and payments were taken out of my account. However Great Lakes can not provide me any tax documentation for XXXX  that payments were received.
Consumer complaint received 2020-04-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

I am concerned not only with the balance on my credit report with Prestige Financial being incorrect and as to how it is reporting on my credit report. I have sent several letters out to Prestige Financial in XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked for Certified Letter with return receipt, reinstatement letter, notice of sale, as well as how much the vehicle was sold for and any possible deficiency letter. 

The only response I got from them was changing my XXXX   report from closed to repossessed in XX/XX/XXXX and XXXX   and XXXX shows a charge-off balance of {$22000.00}. The main issue is I took a loan out for around {$18000.00} in XXXX this vehicle was repossessed in XXXX and it was also sold in an auction. Prestige appears to be charging me for the original loan amount, fees I am not aware of, but has not reduced the true amount of what this vehicle was sold for which would have reduced the amount that would have been owed on my credit report. Instead they are trying to make money twice by selling the vehicle and not giving me the requested documents I have been asking for, for over 3 years as well as trying to make me pay a higher price than the loan amount, after selling the vehicle and not providing a deficiency letter. 

Due to no responses I contacted XXXX, XXXX  and XXXX  to notify them of the discrepancies and the account remained the same. No response from them. Please assist! 

This account is not only reporting incorrectly but their are a lot of discrepancies, such as the payment history. Each report is showing different payment histories as well as, current balance is higher than the original balance on all reports. All 3 of the credit bureaus are also reporting different statuses. All 3 reports are showing different last payment dates.
Consumer complaint received 2020-03-27
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX****. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 ) day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-27
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. (FL)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

I have chime checking and I have two advertisements attached to my car insurance payments saying if I switch I get a refund so I went ahead and switched my insurance from the XXXX to XXXX  insurance today on XX/XX/year> and I called chime and the lady I spoke with said I have to contact the insurance company for that refund so I told her the insurance company is not the one who is advertising this offer its chime and I advised her there is nothing stating if I switch to contact insurance company for this its a ad on chime and I adv her there advertising false information on there application and she still insisted I had to contact the insurance company so is adv her why would my insurance company refund me anything for leaving there company and she just didnt want to hear anything I said so I told her I went ahead and joined a new company just for this ad to get a refund that chime is clearly offering on the payments made to the insurance company she didnt seem to care I think I should be refunded the insurance payment I made to the XXXX  which first showed me the advertisement
Consumer complaint received 2024-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove these Fraudulent inquiries from my credit report.
Consumer complaint received 2022-12-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION (IL)

Date : XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Per our discussion, we have locked the interest rate on your loan for the property located at XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX, IL XXXX. The rate we have locked for your loan is XXXX XXXX. Enclosed are a XXXX XXXX, XXXX and Points Form, and any other related documents. Please take a moment to review each of these documents. Should you have any questions regarding any of these documents, please contact me as soon as possible at XXXX or by email at XXXX. 
Sincerely, XXXX XXXX XXXX My Open Response Back To Whom This May Concern : We need all timely filed records and official and legal records generating my signatures on the contract. 

Everyone clearly knows what I am asking for and requesting. 

Nations Lending Corporation needs to be sending me the Department XXXX XXXX XXXX XXXX and Department of Veteran Affairs XXXX XXXX XXXX and the Department of Veteran Affairs ' Appraisal record certification on this property on the proper starting date from XX/XX/XXXX - XX/XX/2022, and after XX/XX/2022, to this date. 

I still have not received any official and legal record from Nations Lending Corporation to support their statement or claim as to why this deal was not closed on the date and time it should have been closed. 

I still don't have your official and legal records from my employer or anything from my employer showing support records to support such a statement of record. 

If this is not discrimination, then please explain to me what discrimination under the law is. 

The attached records are returned for more work. I am not going to agree to end anything until I get the PROPER RECORDS that I am asking for. 

This process is very simple people. I do business that is legal, accurate, proper, and correct, and not business just done any kind of way that is not legal, accurate, proper, and correct. Explain to me what I did wrong and what I failed to do in this process, and I will counterclaim your statement with my PROPER RECORDS. 

As soon as Nations Lending Corporation turns over those professional records they should have verified by now and if the seller still wants to terminate this agreement, then he can do so. 

Nations Lending Corporation should be talking to my legal counsel of records on file to get any legal records they may need or should have used in the parts of this process ; therefore, your records must be PROPER RECORDS and sworn and certified under a sworn affidavit under oath with proper signatures in blue OR black ink. 

All your records will be used and are needed in other legal records. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX