davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc. (GA)

I am writing to remove two fraudulent tradelines on my credit file by DIVERSIFIED ADJ SVC. Furthermore, I am begging this consumer agency to enforce this by helping me remove a fraudulent and blemished collection account from my credit file. I have disputed the following data on my credit file more than a few times, which is fraudulent. I spoke to someone at, DIVERSIFIED ADJ SVC and the young lady said you people never pay your bills. You people? This is beyond XXXX. I have disputed these illegal debts several times and once I dispute the debt, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. DIVERSIFIED ADJ SVC, must provide me with that proof and never bother me again. Under the FDCPA, I have the right to dispute the debt and it has three separate components : 1-Right to notice of the debt 2- Right to contest the debt 3-Right to verify the debt Within 5 DAYS of first contacting the Consumer Financial Protection Bureau. DIVERSIFIED ADJ SVC, must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake, and proof. I can prove it is identity theft. The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original identity theft affidavit. The recurring patterns of complaints against DIVERSIFIED ADJ SVC, as reflected in the XXXX XXXX XXXX complaints, are as follows : Denial of Debt : The denial of liability for the debt assigned to DIVERSIFIED ADJ SVC, continues to be a consistent complaint across all customers. I do not owe this debt and have no contractual relationship with DIVERSIFIED ADJ SVC. Lack of Original Contract : Customers consistently complain that DIVERSIFIED ADJ SVC did not provide me with the original contract that I requested. This contract would confirm the claimed debt. Unfamiliarity with the Company : I am not familiar with XXXX XXXX XXXX or the original debtor. I have never been contacted. Inappropriate Reporting : A complaint suggests that DIVERSIFIED ADJ SVC, reporting of the debt to credit bureaus might be violating the Fair Credit Reporting Act. This indicates potential issues with their reporting practices. Claims of Identity Theft : This is identity theft. It points to potential issues with verifying my identity. Unsatisfactory Product/Service : These complaints fall under the complaint type " Problems with Product/Service '', which indicates a more general issue with the way DIVERSIFIED ADJ managed its debt collection process or communicated with its customers.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (TX)

Twice on XX/XX/year> I tried to open a high yield savings account with XXXX XXXX. Both times I was denied without explanation and not provided with any meaningful way to follow up with them. I have no history of banking problems.
Consumer complaint received 2024-03-17
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)

I obtained a charge card through Mattress Firm for the purchase of a bed in XXXX. The total balance was about {$5000.00}. It came with a " promotional savings '' that if i paid in full by the time that the promotion ended I would not pay any interest. XX/XX/XXXX that end. I made my final payment in thee same month about 12 days later the total of {$790.00} to which I was told by the customer service representative that if I paid the above balance in full they i would not have to pay {$2300.00} in interest. I have never made no other purchase on this card. I only used it to buy my bed, and paid consistent payment on it until the final day. 

About 7 days later, I received a letter in the mail stating that Synchrony Bank would not be able to accommodate my adjustment because the payment was received after the scheduled date of when the offer ended XX/XX/XXXX, I made the payment on XX/XX/XXXX. 

It is my understanding as a consumer that the any bank has to wait until the closing of cycle to make such things, I was not late on the payment as the due date for the payment was XX/XX/XXXX, and paid the entire balance on XX/XX/XXXX. 

However, they have now put a fraud notice on my account where they are questioning if I am the person who opened the account, to deter me from disputing the interest charge on the card, that they are now making me pay. I have not received any letter letting me know in writing what is going on, I received the paperwork via Docusign, asking me for my social security and full name, I am not able to speak with anyone about this email or even my account, and resolve the issue. I paid my debt in full, I would agree in paying interest on the remaining balance of {$790.00}, but the amount they are trying to charge me in interest is excessive, I can buy a whole new mattress with this interest charge that they now say I owe, they are also compounding interest on top of the interest charge, which for me looks and feels predatory. 

I am attaching a copy of all my statements and letters received. I am also filing a formal complaint against this bank with Department Financial Services for predatory lending practice. Because I don't other consumers to go through what I am going through with this bank.
Consumer complaint received 2022-10-28
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. (GA)

Report Number XXXX Date Generated XXXX XXXX, XXXX Before After Account info Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$6000.00} Highest balance {$7800.00} Terms NA On record until XX/XX/XXXX Report Number XXXX Date Generated XXXX XXXX, XXXX XXXX XXXX Account XXXX Deleted This item was removed from my credit report. Please review your report for the details. This Item was removed and deleted then replaced on my credit file this is inaccuracy information I'm request they TAKE this Account off and update my credit file Account name XXXX XXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$7.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$7800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$7800.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Report Number XXXX
Consumer complaint received 2017-11-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Sovereign Lending Group, Incorporated (TX)

I started at XXXX at 30 years 4.25 I am now at XXXX at 30 years 2.75 % XXXX dollar increase over a 2 months. 
Did I just XXXX myself? I thought it was something fishy about it. I really did not want to do it. Did i win or loose? 
We like we have been XXXX and humiliated? 
Lets be clear I DID it because I wanted to lower my house note. 
Please advise!!!!!!!!!!!!!!!!!!! 

XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have recently sent letters to all three bureaus, and it has been over 60 days. There has been no response from any of them, and I feel that they have disregarding my consumer disputes. There has been letters sent out beyond this 60 day mark, to no avail.

Personally, this is incredibly stressful, it has hindered the homebuying process for me. Please advise me on what to do next.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NJ)

The company called me in regards to my bill I paid it with two different accounts and they processed the payment slower than normal which then put a delinquent notice on my account which was incorrect, my credit score has dropped dramatically because I have never been late with any of my bills and yet now Im having a difficult time trying to rebuild my credit because of their mistake
Consumer complaint received 2020-09-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 


Item # 1 : I dispute Enhanced Recovery CO L Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-30
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: EQUIFAX, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

R

equest for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1968 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-09-30
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Item # 2 : I dispute XXXX XXXX XXXX XXXX Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (VA)

I have had an account with XXXX for nearly a month. Over that time, I've performed over {$98000.00} in online deposits and over {$8000.00} in online withdrawals. All was fine until yesterday when a simple {$1100.00} deposit ( external transfer XXXX XXXX ) was denied. Strangely, the funds were supposed to come from the same bank where I had just sent {$8000.00} two days earlier. That outgoing transfer was accomplished successfully, but somehow a small incoming transfer from the same bank is blocked? That makes no logical sense. They also blocked my online access without notifying me or providing a reason. When I called, they asked me a series of questions about my SSN, mailing address, email address, account numbers, and even my drivers license number. They also texted me a code to prove my identity. Of course, I passed all their tests. But, still, they refuse to tell me why my access to my account is blocked and they refuse to restore my online access until I send them scans of my drivers license, front and back, and a copy of my bank statement from the other bank. I've done nothing wrong, so why am I being treated like a criminal? 

When I asked them to just cancel the transfer, they said I would have to do that myself. Brilliant!! How am I supposed to accomplish that when my online access is blocked? You can't make this stuff up. 

I will not jump through any more hoops for this bank. If they don't restore my online access, I will withdraw all my funds and go to a bank with policies that make sense to a reasonable person. There are plenty of banks out there that don't treat their depositors this way.
Consumer complaint received 2023-04-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Consumer Portfolio Services, Inc. (MD)

This company gave me a car loan then contacted the car dealership and said the second company I worked for was fake/ gave fake check stubs because it was on XXXX software- they never called my second job which I have been at four years - its a small business and doesnt use a XXXX or XXXX system- my employer called them and they told her they didnt say this! They made me return the car after 25 days and didnt try to work my deal or eve call to verify my legit job!!!! They ran my credit so many times but didnt verify my jobs and refused to help me
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

Problem is with TransUnion. They won't/ca n't UNFREEZE my credit report. 
I called TransUnion numerous times in the past two months, had two case numbers assigned. I also wrote a letter with all pertinent data asking to UNfreeze account until XX/XX/XXXX. But, the Reply I received XX/XX/XXXX was " non responsive '' to my problem. Got simply a credit report XXXX letter defining a credit freeze. 
They claim for months they have updated my account to unfreeze as I request but when I go to my account online I can't access my account. TransUnion keeps saying they have a technical issue XXXX to just wait. How long??? 
When I requested an XXXX credit card, XXXX responds that TransUnion shows a credit freeze and to contact TransUnion to resolve. I've tried over and over. 

I may be because my address is XXXX XXXX XXXX??? zip code XXXX? 
The other XXXX credit companies unfroze my account with no hitches.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (MI)

On XX/XX/year>, Discover Bank froze my account when I tried to transfer {$3000.00} to pay on my mortgage. I got notices that the transfer could not take place and dismissed it as the system was down. I then got emails and texts from Discover that the account was frozen and to contact them so I did by their standard phone number. I was told that our account had been flagged for fraud investigation. They would not tell me what activity led to our account being flagged. Our banking is payroll deposits, bill pays to the same 5 companies, and transfers between the same bank accounts. Available balance in the account at the time of the transfer request was $ XXXX. 

To unfreeze the account I was required to verify account information and activity on our account with XXXX XXXX XXXX XXXX while on a joint call between Discover Bank and XXXX. If Discover Bank has flagged my account to verify a transaction, this has nothing to do with any other account that I have at any other business. That I am required to verify what deposits into an XXXX account, how much the last transfer from XXXX to Discover was on XX/XX/year>, and where my husband might have last withdrawn money from an XXXX ATM while on the phone with Discover Bank is completely outside the scope of information that Discover Bank needs to resolve issues with my account. The transfer I requested on XX/XX/year> was neither to nor from XXXX and Discover could not or would not tell my why our personal banking information with XXXX was required to unlock the account.
Consumer complaint received 2022-10-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Last night XX/XX/27 @ XXXX, I received text message from Bank of America that my credit card ending in # XXXX was used at : XXXX, {$2000.00} and was declined. I was asked if I authorize the said activity and I replied " NO ''. I called # XXXX right away to prevent further unauthorized activity. I also mentioned that I did not authorize all transactions below, so the bank of America representative cancelled my credit card. 

XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX -- -- -- XXXX -- -- -- -- {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- - {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- - {$6200.00} XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$89.00} XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- {$5500.00} XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- -- {$1000.00} XXXX XXXX XXXX XXXX  XXXX -- -- -- -- -- -- -- -- {$400.00} -XXXX XXXX XXXX  {$10.00}
Consumer complaint received 2022-10-27
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. (NY)

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 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer-reporting agency may make any consumer report containing any of the following items of information. 

Any other adverse 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 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

I have tried calling and emailing to ask Mohela questions regarding my PSLF waiver and applying qualifying payments to my account. I can not get ahold of anyone nor have they responded to my emails even though they have been marked as read. Additionally, my approved application reflects 7 years of employment and that I am currently employed, again my qualifying payment count does not reflect this.