davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX XX/XX/2023 I was in XXXX in XXXX Georgia and my debit card with Branch Bank was ran three times and it was {$55.00} over what they should have ran it for I immediately brought that to their attention before I even left the store and they said oh well if you look at the receipt truly they only had two transactions that came out not the XXXX and that it would take 24 hours for them to clear their system anyways and I would have to get with my bank. Did that and they're telling me it could it's going to be 90 days I don't see how that is even fair I mean this is not my error that one of them messed up I mean I gave them the contact information pick up the phone and call I mean y'all have technology and why why do I have to suffer I'm unemployed my power got cut off because of this I mean I have gone through just trying to get answers from these people and I'm getting the runaround they can't even tell me how they're trying to contact the merchant All they're saying is they're trying to contact the bank well it doesn't take that long to contact the bank I mean shouldn't be like this I shouldn't have to suffer they need to give me a temporary credit like everybody else in America gets I feel
Consumer complaint received 2019-04-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization on XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

Attention dispute department ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-17
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: CURO Intermediate Holdings (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXXXXXX Original creditor XXXX Opened Account status XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open Type Responsibility Remarks Individual Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX 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
Consumer complaint received 2019-04-15
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. (GA)

I have 2 accounts on my credit report that I am trying to get deleted. I have sent letters to the collection agency asking for written validation and verification that this debt is mine. They have not responded. I have also sent letters to Experian and XXXX  asking them to remove these unverified accounts from my report. They have not deleted them. Section 609 and Section 611 of the FCRA states that I have the right to request that all information that can not be verified be promptly deleted. The collection agency and the two Credit reporting agencies are in violation of my civil rights and Federal Law. I am now filing complaints with the CFPB to resolve this matter.
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (FL)

Attention dispute department WAYPOINT RESOURCE GROU XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious WAYPOINT RESOURCE GROU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1981 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Once again Ocwen Loan Servicing is failing to apply my payments to my account correctly. In XX/XX/XXXX I filled a complaint to your department against Ocwen, and they sent you 're a copy of my Deed of Trust, and other that did not pertain to the nature of my complaint. In late XX/XX/XXXX your department fined Ocwen for a lot of servicing violations, but I am here to file another complaint because Ocwen is up to their old tricks again. 
On XX/XX/XXXX, I received a notice from my Chapter XXXX trustee because I was near the end of my Chapter XXXX. The letter from Ocwen 's attorney stated that I was contractually due for my XX/XX/XXXX and XX/XX/XXXX payments in the amount of {$3600.00}. They also showed a suspense balance of {$470.00} which reduced the amount that I allegedly owed to {$3100.00}. 
I immediately paid the amount of {$3100.00} to Ocwen, and Ocwen accepted the payment. Afew weeks later I called Ocwen to follow up to see if I was contractually caught up as the attorney letter stated, and I was informed that I was past due for {$470.00}. I contacted their Officer of the Consumer Ombudsman, and asked them to look into the matter. 
I was contacted back by XXXX XXXX who informed me that Ocwen had no record of a letter sent to me by their attorney, and that I was still past due for the {$470.00} to bring me contractually current. I am attaching a copy of the letter from the attorney. Once again Ocwen is up to their old tricks. I have the document why do n't they have it.
Consumer complaint received 2021-02-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Hello, I have a business loan with Wells Fargo Bank which I have had since 2015. The loan has been through automatic draft pay through my commercial checking account with Wells Fargo. When I visited two local branches in XXXX, Florida. I was informed I can not view the account on-line or receive monthly statements. I spoke with both branch managers and had the situation escalated. After waiting 3 days I received a call from both managers and was informed they could not provide access to my account or a printout of the monthly payments I had made over the previous five years. I was told only a screenshot would be mailed to within 7-10 days. I am concerned of fraud and/or not receiving credit for the 5yrs of payments I've made to Wells Fargo. Further more, I need to calculate interest paid for tax purposes.
Consumer complaint received 2019-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit reports list monies owed to XXXX. I have written to the collection agency, XXXX XXXX XXXX requesting proof that I owe monies on this account, but none was ever sent. I notified the credit agencies that this creditor never sent me the required proof, yet they continue to list this account on my credit report. 

My credit reports list XXXX XXXX XXXX and XXXX for monies owed to XXXX. I submitted documentation that showed that the original creditor was paid However, the credit reporting agencies continue to list XXXX XXXX on my credit report. Furthermore, two separate collection agencies can not be listed on my creditreport over the same account. 

My credit reports list a bankruptcy that should have been deleted since the 7 years of reporting it has expired.
Consumer complaint received 2022-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (HI)

I dont own money to this company I C System please send me evidence to my address that I owe This company with evidence that i XXXX XXXX signed this contract. Again I dont own {$380.00} to this company. 
Thanks
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 my account was XXXX  XXXX I did a cash deposit of XXXX XXXX two XXXX dollar bills and one XXXX dollar bill which left my account a XXXX  XXXX I wake up the next morning the bank is saying I am a negative XXXX buck I called they took off the XXXX over draft fee but my account still XXXX  XXXX bucks and some change!! Here is the thing this has happened numerous times which I did t have prof but I have this prof where the banks just do what they please now I want all my money from where they have done wrong or Ill file a class action lawsuit against BANK OF AMERICA
Consumer complaint received 2020-12-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Recovery Services, LLC (FL)

I am being threatened to be taken legal action outside office, but wont give information, I got a call from " XXXX XXXX '' stating I needed to call them because after XX/XX/XXXX the matters will be taken care of outside of the office etc, I called the number provided in the recording which is XXXX and someone answered so I asked where I was calling and they stated direct recovery service, so they said How can I help you, when I stated I was returning a phone call but wanted to know where and who was calling THEY SAID " i JUST TOLD YOU '' and rudely hung up the phone.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sum Investments, Inc. (CA)

On Time Financial is reporting incorrect information on my credit report. I noticed the error and have disputed the account a couple of times with no results. This car loan was paid in full XX/XX/2016. On my Experience it shows that the car was repossessed XX/XX/2016 and XX/XX/2016. Also, report shows that NO Data was reported from XXXX XXXX XX/XX/2016 where is shows the two months of repossession. I have the title for this car as well as a letter from the company that the loan was paid in full and the car no belonged to me. 

I apologize for being so upset, however, your mistakes are causing me a world of trouble.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my Equifax and XXXX report updated to a back to late payments on accountThis was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated report
Consumer complaint received 2019-04-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/2018, I applied for a mortgage with XXXX XXXX XXXX. At that time, I was informed that I had a collection account of an amount over {$30000.00}. I was working with my mortgage officer to see what we could figure out about this debt. We had contacted the company via the number listed on the credit report that was pulled by my mortgage company. I have been out of school for over 10 years and have never personally made any payments on this alleged debt. Upon further investigation, my concerns grew greater as I found that there were charged brought upon this company attempting to collect this debt along with the company they are representing as a third party collector. 

When we contacted this number, it took quite a few attempts to actually get someone on the phone. Once we were in contact with someone, I was informed that it was for an alleged private debt that I acquired when I was only XXXX years old. We asked to send validation and/or proof of what this debt was, including but not limited to ; a promissory note, any documentation to prove that this debt was mine, any payment history made along with what accounts they were withdrawn from. As of the date of this complaint and two calls with this company asking them to furnish me with any and all proof that they have that I own this debt ; I have yet to receive anything. 

This is unfair because it is prohibiting me to be able to purchase a new home. The is abusive because I have now suffered from a damaged collection account on my credit report. 

I feel that I've been patient enough in waiting for documentation that was requested months ago on multiple attempts. Yet alone being that the requested documents are from several companies listed in in a CFPB filing and ruling against them for what appear to be the same practices taking place against me.
Consumer complaint received 2020-12-23
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)

Dear madam or Sir ; I have been out the XXXX for time now. I decided to come back home to Florida to Purchase Property for me and my Family. I check my credit. I notice these accounts that I did not authorize. This is Fraud. I never had any Business with these Companies. Someone use my identity without my authorization This is Wrong ; Now I'm here dealing with the stress of being a victim of identity theft. something needs to done about the fraud in Florida with people Stealing identities and Companies are letting them get away with it
Consumer complaint received 2019-02-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

OnXX/XX/XXXX,Iwasinvolvedinacaraccident(atnofaultofmyown)andmyvehiclewasdeterminedtobeatotallossbytheotherparty'sinsurancecompany.Iwasinstructedbytheinsurancecompanytosurrenderthekeys,vehicle,registration,etc.Isignedlegaldocumentsthatwerenotarizedgivingtheotherparty'sinsurancecompanypowerofattorneytocompletetherestofthepaperwork.
IcontactedSantandertoinformthemoftheaccidentandtheotherparty'sinsurancecompanyalsocontactedSantandernumeroustimes.OnetimethattheycontactedSantander,Irequestedtobeonholdtoensurethatcontactwasmade.TherepresentativeverifiedthattheymadecontactwithSantander.
OnXX/XX/XXXX,IreceivedaTotalLossLetterfromtheotherparty'sinsurancecompanyshowing,infact,thatthecarwasatotallossandtheyarepayingout{$21000.00}toSantanderConsumer.
Sincethen,SantanderConsumerhasinaccuratelyreportedonmycreditreportthatIhavebeenlate,chargedoffmyaccountstating,"chargedoffasbaddebt/profitandlosswriteoff'',closedmyaccountonXX/XX/XXXXandsaysthatIhaveabalanceof{$26000.00}.SantanderevensentarepossessioncompanytomyhomeinXX/XX/XXXXataverylatehour,ringingmydoorbellanddisturbingmyfamily.Iprovidedtherepossessioncompanyacopyoftheaccidentpolicereport,totallossstatementandeventheaddresstothewreckingcompanywhotookthevehicleonthedayoftheaccidenttoprovethatthevehicleisnotinmypossessionandwastotaled.
OnXX/XX/XXXX,Santanderreceivedpaymentfromtheotherparty'sinsurancecompanyintheamountof{$21000.00}andthepaymentwasconfirmed/verifiedbytheotherparty'sinsurancecompanytohavecleared.
Theotherparty'sinsurancecompanyprovidedmewithacopyofthecheckthatwassenttoSantanderandthatcleared.
ThishascausedsuchofabigissuethatIcannotevenfilemyGAPinsurancetocovertheremainingbalanceofthetotallossbecauseoftheinaccuraciesandhasseriouslydroppedmycreditrating.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (CA)

On XX/XX/2019 the company wrote that the debt would be settled in full if we paid {$11000.00} by XX/XX/2019. They received the funds on XX/XX/2019. On XX/XX/2019 the wrote acknowledging the payment and demanding the original balance. The settlement offer clearly states hat the {$11000.00} would clear the debt and that we would be receiving a letter to that effect. I have called them twice and been told that the letter had been mailed. They are obviously lying. 

The company Id : Stoneleigh Recovery Associates XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-05
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Immediate Credit Recovery (IL)

I received a notification of a possible offset last year around XXXX from the United States Department of Education. I immediately contacted Immediate Credit Recovery to setup the payment plan. I called the United States Department of Education again to confirm there would NOT be an offset on my taxes. The representative indeed confirmed since there was a payment plan setup that I would be just fine and there would not be an offset. I made my first payment of {$25.00} on XX/XX/XXXX via checking account and it has been coming out consistently and on time every 2 weeks. I happen to call the Treasury Offset line on XX/XX/XXXX to see if anyone requested my refund and guess what! The United States Department of Education requested my refund. I called them and waited over 2 hours and spoke with XXXX. He agreed that Immediate Credit Recovery indeed messed up with the payment plan by starting, stopping and restarting again. A while back they also submitted a wage garnishment for me when I NEVER received the notification because they had the incorrect address. 

I called Immediate Credit Recovery today and spoke with XXXX XXXX who agreed they made a mistake, but she did not seem knowledgeable enough to assist with my issue. I requested a manager by the name of XXXX XXXX ( garnishment manager ) and she assured me she would send " up '' a complaint to the compliance division and then they would forward it to the Department of Education. She stated there is no exact time frame they could give. I am frustrated!
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I started this dispute process in XX/XX/2018. NCS, said this information belong to me, but it is inaccurate. I have set multiple statements and verification in and the collection agency still say its valid. This issues is hindering on my credit.