davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (AL)

This is being sent to you in response to a notice sent to me on XX/XX/20. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2024-06-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I saw " Pro Collect Inc '' on my file. I never lived at the property in question, never received an invoice or notice about anything owed, never received notice that I can dispute debt and Pro Collect did not validate debt. They can't validate the debt because I heard the name in a debt is in a completely different name than my name. I also was informed the alleged merchant named XXXX XXXX does not even have a copy of identification for the supposed name for the debt. 
The debt is not mine and can not ever be validated or linked to my, and it need to be completely removed from my credit file, removed from my social security number, and a letter of apology issued.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Here is a copy of my Affidavit of Truth dated XX/XX/2022 which I sent a notarized copy to XXXX reporting inaccurate information on my consumer report. I Demand you follow the 2 Acts that govern and control the credit industry. FCRA and FDCPA. According to 15 USC 1681E ( b ). I am entitled to an accurate consumer report. I demand you remove all these inquiries from my consumer report.
Consumer complaint received 2023-02-13
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (GA)

I was approved online by Discover card before I left for vacation I. late XXXX, maybe theXX/XX/XXXX or so. The inquiry on my credit report says XX/XX/20. When I didn't receive my card on time I called to find out if I could get my card information over the phone.They said no and I questioned their policy. Once the customer service supervisor realized that I was a XXXX man trying to get credit card information I was already approved for it immediately raised a flag and they began treating me differently. They told me I had to go through a verification process and the card that was already sent out for use would be suspended pending verification from the IRS. I asked what verification they needed because I could provide my own information and they told me they could not tell me what information about MYSELF they were seeking. I made a complaint with customer service twice. They then told me that all customers were subject to this process but not all customers experienced this process. I was confused at how I had managed to be subject to such a process without ever using credit with Discover and I did not even have the card yet. When the card came I had arrived back home in Georgia. Shortly after I received a notice via email that my approval had been revoked for lack of information from the IRS, I then received a letter from the IRS about a request from Discover that they could not provide without my consent. As of now, I am confuse and believe my initial call to request my information and the fact that the customers guessed that I was a XXXX man and I was discriminated against.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XX/XX/XXXX [ Approximately ], I called Bank Of America [ Texas } per XXXX about questionable transaction in ordering some products. I was told to cancel that card and she would put in for another to replace that one in case someone may have used my card. When she put through the application, she applied for another type of card different from the XXXX XXXX card I had. I was told to wait for XXXX hrs. for approval to show, for the computers was acting??????, then check and I would see that the application went through. XXXX hrs. later, no approval, XXXX hrs., still no approval. I called back, told to go into an office and it will be straightened out. I went XX/XX/XXXX, was told card will come in the mail in XXXX weeks, teller refused to give little over {$7.00} I asked for from Federal Income tax check I was depositing, must hold it for several days [ not sure how long ]. XXXX days letter came in the mail, card refused unless I take freeze [ they advised I put on acct. in XXXX due card being compromised 3 times ] off at credit report companies. I refused, had this card about XXXX yrs and no late payments with BOA. I made many giant charges, but paid, IRA acct with them, checking acct., and small savings acct also. I was told they would compensate me for wrong and inconvenience caused me and I would get card back, up until XX/XX/XXXX I was not told the truth, but a Rep. [ NY ] said I would not get a card unless I took freeze off. It took a year to learn I will not be given another card, too much time has lapsed. I am and have been ill, but did all they asked, I want my card back. There is more to the complaint, but this is most important.
Consumer complaint received 2023-02-13
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. (IL)

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

My account was locked and then closed by Citibank. I received an account closing notification letter from Citibank fraud department on XX/XX/XXXX saying that Pursuant to a recent review, it has been determined that we can no longer service your account ending - xxxx and your other related Citibank accounts. I still have about {$24000.00} in my account at the time they locked my account. The letter also mentions that Citibank will issue me an official check after the closure. They closed my account 3 months later on XX/XX/XXXX. I called Citibank multiple times and to check the status of my money like when can I get my money back. They kept telling me they will issue the money back. However, today XXXX XX/XX/XXXX XXXX, when I called the Citibank again and they told me the XXXX {$24000.00} on my account doesnt belong to me and they will not send the money back. I asked the reason why but they cant provide a legit reason and told me thats the decision of the review. I cant believe that they will hold my money and not giving me back. Every single transaction in my account is legit and then I lost XXXX {$24000.00} for no reason? I need help from CFPB to get my money back.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (MD)

In regards to a XXXX XXXX XXXX phone debt I called a debt collection agency by the name of Sequium ( ref # XXXX. I spoke with a representative by the name of the pseudonym XXXX XXXX. I told her I would call back due to my work schedule at approximately XXXX on XX/XX/21. 

I called back and spoke with another representative, pseudonym XXXX XXXX at on XX/XX/21 at approximately XXXX XXXX. XXXX gave me terms to settle my debt. During this conversation XXXX explained that a settlement offer of 30 % of the full amount due. I agreed to these condition and a payment arrangement over the course of 4 months. Before the transaction could be completed this call was disconnected. 

On XX/XX/21, I received a call from XXXX  at approximately XXXX and she explained that the 30 % settlement terms were not possible. After explaining that this was not what I was told, she became rude, abrupt and clearly hung up the phone. 

On XX/XX/21 at approximately XXXX XXXX  I spoke with a representative with the pseudonym of XXXX  XXXX. During this call, I was spoken over, the tone of her voice was very disrespectful and I was also hung up on. 

I called back on XX/XX/21 at approximately XXXX XXXX  to try to straighten the situation out and spoke with a representative with the pseudonym XXXX ( can not recall her last name ). Once I explained the same situation, I was hung up on AGAIN.
Consumer complaint received 2024-06-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (GA)

I had a auto in accident in XX/XX/XXXX, the vehicle was totaled by my insurance company ( XXXX XXXX ). XXXX XXXX paid XXXX XXXX value of totaled vehicle, which left a balance of {$1800.00}. which should have been paid off through my Gap insurance that I pruchased in XX/XX/XXXX, when I initially purchase vehicle.
Consumer complaint received 2023-01-17
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. (OH)

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
Here are the accounts : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX : {$980.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America was reminded on XX/XX/XXXX of my knowledge of the inclusion of my accounts in income level and fund reserve account limit type related education projects since XXXX. On XX/XX/XXXX, I received an erroneous alert that a {$41.00} check was returned unpaid due to insufficient funds when such was not the case and the check was returned because the Department of Education had made it optional to continue to paying the loan. In the past, other similar activities, including but not limited to, omitting automatic withdrawal of full payments from bank accounts, for not completing forms as desired, or for the servicing agents ' mishandling of paperwork or strategic delay in processing such paperwork, when such terms were already allotted under the current agreement, i.e. such delays were created so that my account did not receive the 'better ' deal. Also such activities are completed to create embarrassment for anyone misusing my e-mail account or handling my mail. Such activities also increase in intensity when I start filing my correspondence or financial statements, including retaliation ( burglary to remove, replace or vandalize order of documentation ), aside from amount of surveillance, eg surveillance included emitting statement acknowledging that I was scratching my knee while I was sleeping to ensure that I knew I was being watched twenty four hours a day. Responding agent stated in response that account was flagged for fraud in XXXX and that she would transfer me to the fraud department. I declined such transfer because in the past such activities should have been clearly communicated in writing as soon as possible and not with such significant delay, as in this case the delay would be four months. Four months of not having notice that fraud was affecting my account is unacceptable. Other measures, such as deactivating the debit card to cause an immediate phone call or visit when written notice is not reaching me could have been implemented rather than such a slow response, or even certified restricted signature mail.
Consumer complaint received 2021-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America Account # XXXX. 
XXXX XXXX of XXXX persons. 
XXXX : claim # XXXX Check # : XXXX XXXX : {$85000.00} Bank names above withe connection to named none-profit organizations XXXX. Opened and fund accounts # XXXX and issue check from the bank of America Account number XXXX route # XXXX check amount of XXXX. To XXXX XXXX. And open. Tread account with XXXX XXXX and trade on behalf of my good name to get service and good without my permission or consent. Around 2001 up to date. Still no resolve of my matters. And am seeking to resolve this issue.
Consumer complaint received 2020-03-10
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. (IL)

XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2024-03-02
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX XXXX XXXX XXXX had us apply for credit through XXXX for zero per cent interest for 60 months. XXXX allows the merchant to be paid in full, in advance of a binding contract between the parties for work to be done. I was unaware that upon the approval of our loan on XX/XX/XXXX, that XXXX would be transferring the full {$50000.00} to the merchant ( {$25000.00} for an account for me and {$25000.00} for an account for my husband ) the next day. The merchant received the full amount of the loan of {$50000.00} on XX/XX/XXXX and as of today, XX/XX/XXXX, NO binding contract existed, NO work has been performed and the merchant has not returned one penny of our money. Through many failed attempts with this merchant, we had to file a civil suit in XX/XX/XXXX with the XXXX XXXX Supreme Court and the case is still open. We received a summary judgement on XX/XX/XXXX where the court determined there was no valid contract and keeping our money was unjust enrichment. However, the court did not grant the return of the full amount of {$50000.00} plus 4 years of interest, but sided with the merchant that only {$42000.00} was received based on questionable documentation submitted to the court by XXXX that is in direct conflict with Synchrony account statements and feedback from XXXX managers. I have never missed a loan payment in 4 years and still have {$7000.00} remaining balance due for the XXXX loan accounts for myself and my husband with XXXX. I had hoped for justice and truth to prevail. In the court of law, justice and truth are NOT one in the same. So today, I have placed a dispute on the 2 loan accounts with XXXX and will not continue to pay {$830.00} each month for both accounts. Someone is lying - either XXXX is defrauding the court with false documentation of receiving XXXX funds from our 2 different accounts or XXXX did not transfer the {$50000.00} as advertised during the loan application process and their documentation. CFPB has received this very same complaint for this same merchant for their loan application scheme with XXXX on XX/XX/XXXX. Regardless of the XXXX of complaints and negative reviews across XXXX XXXX XXXX  XXXX, XXXX, etc. I ask for your help to ensure XXXX does not continue to favor XXXX when disputes are filed. I hope with your assistance that XXXX will do the right thing since I have paid {$42000.00} on these loans to date. This same merchant made false claims of labor and materials purchased to try to justify the keeping of our money but I never selected any counters or flooring for the kitchen project that started this whole mess. We subpoenaed the vendors for the real documents and it is now a matter of public record that the evidence submitted to the court by XXXX is fake for XXXX XXXX  XXXX # XXXX and for XXXX flooring Invoice # XXXX
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, 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. (NY)

In XX/XX/2020, I sent a USPS certified mail to Experian Consumer reporting agency to remove an unauthorized hard credit inquries. The agency fails to proceed, failed to remove, and not responded to my concern. Before my submission, I tried fixing the problem with the financial institutions, unfortunately, is unsuccessful. The financial institutions were unable to verify the inquiries belong to me but failed to proceed. The Credit agency was received my certified mail on XX/XX/2020 ( See attached documents ). However, not proceeding with the timeframe was required by Federal and State Law. Reference to the credit agency action, my credit was hurt.
Consumer complaint received 2023-01-17
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. (OH)

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
Here are the accounts : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXXXXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Current Servicer : XXXX XXXX XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, NJ XXXX New Servicer : Nationstar Mortgage LLC DBA Mr. Cooper Loan XXXX Customer Service XXXX Nationstar Mortgage d/b/a Mr. Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX There is no online payment process for me to complete payments. Given Mr. Cooper 's recent reprimanded collection/fraudulent practices, I want to have streamline payment practices available to me. 

Thank you. 
XXXX XXXX
Consumer complaint received 2023-01-16
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. (NC)

I sent a letter out XX/XX/2022 to XXXX XXXX Transunion, however its been more than XXXX days and the credit bureaus failed to send my investigation back after many attempts to correct there inaccurate date they have been reporting. this is not making sense. 

According to the law 15 U.S Code 1681i- Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer notifies the agency directly. they are in violation and haven't complied with the consumer laws that the government has put in place.