davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IA)

we are back at it again. you, Ditech playing games, while this time you are in chapter XXXX bankruptcy and switching accounts around and adding monies that have already been paid, too the new account that you have created in my name! i am down to {$2500.00} before i made the XX/XX/XXXX payment of {$250.00}. then you switch accounts on me and i am suddenly back at {$8600.00}, i found this out by logging into my account. 

in reality, if your company and previous company named greentree financial since you are the same company, would have correctly serviced my loan since XXXX, i would have actually been paid off in XXXX, but it wasnt. you came back and said i owed over XXXX dollars. which is weird because you have received every dime plus interest, even when i fell behind in payment due to 2 divorces, all behind payments and interest were paid. your servicing issues were on you, not my fault that you doctored my account. since i was worried about losing my home, i had no choice but to be a pawn in your scheme and keep paying. 
also since you jumbled my account to a new account, XX/XX/XXXX, you cancelled my insurance which the cost was added to my account of $ XXXX.and you received {$340.00} back. i will be deducting this amount from on my previous account. now on to other things. 

now that you have changed my account from the account i have had for 22+ years, you send me a letter saying i am behind in my payments, i argue that point with you, because you receive my money every month, which leads me to my credit report that you have falsely been reporting on for a few years. every one of my payments have been declared over 120 days late since XXXX and there are discrepancies before that. my payment marks should reflect fairly of that month. also, you gave me 3 options in your recent letter dated XXXX XXXX, 1 ) was to modify my account, already done and had to fight through CFPB to get it done, 2 ) you tell me if i cant afford my home to either sell it or find more affordable housing. i have been paying you 22+ years and you keep trying to add more money! also, you want me to file a loss mitigation report. i know already how that works, you play the didnt receive it in time or paperwork is incomplete game. 
your own documents, that i receive monthly show my balance owed and now that you are in a chapter XXXX bankruptcy, you obviously think that you can switch stuff around to make it look better for you in front of the judge and trustee. i expect this matter to be resolved and corrected. i honestly believe, my account and probably thousands of others, should be forensically audited by a federal auditor through a federal investigation!
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

We reported our Truist ATM card being stolen and a charge placed on the card and opened a case with Truist. The money stolen was put back into our account. We were supposed to receive a form in the mail to finalize the complaint, which never came. We then received a letter from Truist indicating that our case was closed since they never received the form. I called Truist again and let them know we never received the form and they indicated we would receive this form in 10 days. Another three weeks or so have passed and still no form has arrived. This morning we spoke with Truist and they said they would be sending a form out in 10 days.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Ignorant applications of RESPA statutes to a all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to Transunion, XXXX and XXXX by XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This company reported a debt on my credit report that does not belong to me. My personal information was compromised some time ago ( my car was broken into and my tax returns, checks and other personal information was stolen ) and my guess is that it may have been used to open this account, not sure. Absolutely NO information whatsoever has been sent to me about this debt in the mail, so I never had the opportunity to even dispute this with the company. No signed papers, no proof or anything has been sent to me. But yet this company was able to put something on my credit report?? This kind of stuff is malicious and harmful to consumers and the fact that a company can do this is insane.
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

I went to check my credit score and I see that there's a medical debt owed to the American Adjustment Bureau in the amount of {$2800.00}. I was not aware of this because I do not owe this. There is no documentation with my signature proving beyond reasonable doubt that I have agreed to pay the company. I don't even know how the company obtained my medical information. They can not prove that I authorized them any type of written consent to obtain my medical history, therefore they are in direct violation of ( HIPPA ) The Health Insurance Portability and Accountability Act of 1996.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account number : XXXXXXXX XXXX XXXX XXXX XXXX ( falsified information and dates ) In accordance of the 1681 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2018-12-11
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: Experian Information Solutions Inc. (AZ)

I received notification from XXXX XXXX and XXXX XXXX in regards to the recent data breach. I was informed by XXXX XXXX that my personal information was compromised. The following account and credit inquiry listed on my Experian credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/2018, {$590.00}, fraudulent credit inquiry : XXXX XXXX, XX/XX/2018.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I purchased tickets through an ad I found on XXXX. I asked the seller to use XXXX but he insisted on XXXX. Because XXXX is backed by Wells Fargo I assumed it was safe. Also it is not clear that they do not offer fraud protection. I paid the person {$250.00} and no tickets were ever given. I have contacted XXXX as the tickets he sent me photos of were from them and also contacted my bank Wells Fargo. WF told me they would not do anything until I filed a police report. The police would not file a report and told me to file with the fbi. I have since filed a report for fraud and scam with the fbi but Wells Fargo will still not help me or back the purchase.
Consumer complaint received 2018-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX has repeatedly misrepresented that i : owe monies to it when i : don't. 
There is a form demanding disclosure of the certificate holders and a requirement that they file an affidavit stating that they are beneficiaries of the deed of trust and agreeing to which other beneficiaries, owning more than 50 % of the beneficial interest under the deed of trust may represent all of them. 
Since there is absence of an agreement then that all holders of the certificates must be disclosed. If someone claims to represent the holders of certificates that party would need to show the source of its authority to directly represent the certificate holders. Please note that certificate holders are not, contrary to popular error, beneficiaries. 

Since XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX by and through its silence has admitted that the beneficiaries are nonexistent of a non existent REMIC Trust, then why is it i : am being harassed, intimidated, stalked and threatened by XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX and its culprits? 

XXXX XXXX XXXX XXXX, AS TRUSTEE FOR XXXX XXXX  XXXX MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX must either comply with California Civil Code - CIV DIVISION 3.  OBLIGATIONS PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS TITLE 14. LIEN CHAPTER 2. Mortgage ARTICLE 1. Mortgages in General 2941.9 Universal Citation : CA Civ Code 2941.9 ( 2013 ) as stated above OR quite the title to my private property, stop harassing, intimidating, demonizing, stalking and threatening me.
Consumer complaint received 2018-12-11
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. (FL)

I contacted the credit bureau to find out information about a bankruptcy I was disputing. I was within my rights to ask who the furnisher of this information was as per the FCRA. The customer service representative did not want to disclose the information I was requesting. After going back and forth the customer service representative lied to me and said the furnisher of this information was the court house. I then called the court house and they informed me that they do not send any information to the credit bureaus and it states the same information on their website XXXX XXXX XXXX XXXX XXXX I was lied to about how my information was being reported and that is a direct violation of my rights according to the FCRA. According to the FCRA the bureaus are required to disclose this information upon request. I also disputed the information via certified mail and received a simple response of verified with no further explanation of how this was certified. I am respectfully requesting that this bankruptcy information be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018 I submitted my request for my " annual free credit report '' but instead of getting a timely copy of my credit file. I was informed by " Trans Union '' that they have lost and or misplaced my credit data ; in other words my information has been compromised by " Trans Union ''. They have either intentionally or by willful negligence purged my credit file. As you can see from the document requesting my free report my identifying information is quite lucid.
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NJ)

I, XXXX XXXX hereby request for a full disclosure on ownership on a debt stated by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that it has been sold/acquired by a third party. My argument is complicated but on point. In every state there are specific requirements on debt transfers. Even though the state of New Jersey has a licensing and bonding requirements for debt collectors and/or debt buyers, I have not been given the necessary documentation the this debt buyer is licensed or bonded in the state of New Jersey. The problem remains a national nightmare since the XXXX et al v. XXXX XXXX XXXX XXXX decision US Supreme Court No. 16-349 Decided XX/XX/XXXX. I now have no choice but to take my complaint to the Office of Attorney General state of New Jersey. The CFPB does not give legal advice, but the problem remains current in the third-party debt purchase business. The debt as a stated purchase can not be acquired as the probability is 100 % that the original debt is part of a securitized trust. Synchrony Bank has no position to sell off the debt, only the rights on assignment to collect. This collection is already a complete falsehood. I hereby attach a similar disputed process on the collection process and require a full qualified written request of the original procurement of debt. The Federal Trade Commission also has a strict mandate on ownership transfer FTC v. XXXX XXXX XXXX XXXX ( XXXX ). The main issue on that decision is quite certain, the transfer on debt purchase must be proved, not by a simple letter from the original that the debt was sold. This lack of documentation will not stand in any state court for collection enforcement purposes. Accordingly, since Synchrony Bank has erased the debt from my personal credit reports, either by deletion of the account or by updating to a XXXX  balance, they can not take the debt back into their own loss mitigation unit. The collection is a complete farce and must be purged permanently. The requirements on such a collection within the state of New Jersey have also been broken. I have attached several items to this complaint for the Consumer Financial Protection Bureau review. My argument is solid and the debt purchase arrangement is fraudulent and baseless.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NJ)

I have been dealing with payment issues with PayPal credit for almost two years. When account was opened I signed up for auto payments, as I do with all my credit cards. In the beginning it seemed to work, sometime in XXXX of XXXX payments were not made automatically, even though I still received emails every month telling me it would happen. The day after the due date, I would get an email telling me my payment was returned by the bank. This was an automatic debit, not a check, so nothing was returned. They closed my credit account. I sent a certified mail to them, which I never got a response to. They did seem to open my account again, not sure. The payment problem continued, same as above. I had been going to my account, via the internet and making payments to make up for the ones they did not take, of course these are mostly late, due to the emails saying the payment was received, then the email saying it wasn't. Also, the account information for payments is still on my account and this is the same info used for the payment, they claim they can't make. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I finally sent them another certified letter in XX/XX/XXXX, explaining again the problem. No response to the letter. When able I tried to get back into my account via the internet and my access was denied. I then attempted to use my PayPal app, access denied. I still am receiving the emails about the payment coming out, payment received and then the day after due date, payment returned. I have copies of the most recent to forward to you, as well as the certified letters I sent. Here are my issues - 1. The have charged me almost every month a {$40.00} late fee. 2. They may have charged me a returned check fee of {$27.00}, each month. 3. I have no access to my account, so I can not get past statements to know what they charged, 4. THEY HAVE DESTROYED MY CREDIT. As of this month I see that PayPal credit did not send me my usual e-mails, I did get an email from Synchrony Bank. After all this time dealing with PayPal and hearing of what they were or trying to do with companies, ( XXXX charge ) perhaps Synchrony is taking over? Not sure. I can't help to wonder if they are doing these things to people on purpose, for financial reasons.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

On XX/XX/2022 Southwest Recovery Services turned over debt that I did not owe to XXXX and XXXX. They contacted me in XXXX of 2022. I immediately disputed the debt on the same day and asked for proof of the debt. I sent several emails following up with the company to dispute the debt while continuing to ask for proof. In XXXX of 2022, I asked for the collection to be dismissed. By law they have 30 days to submit proof of debt. In XXXX, I reached back out to them to make sure the debt was dropped ; it wasn't. After all of this I was still turned over to the credit agencies and my score has been damaged.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm sending this to let you know that the listed company has an unapproved inquiry on my credit report. Below is the name of the company and the dates on which I acquired the inquiry. 
XXXX XXXXXX/XX/year>
Consumer complaint received 2018-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

Early XXXX I was looking over my credit report when I saw an unidentified inquiry of {$290.00} that came from the Diversified Consultants Inc. When I look further into it was stated that the original lendor came from XXXX ; The collection agency stating that I had never fulfilled a past due balance with XXXX. However I knew that the what they were informing me of was false because early 2018 I switched my current plan over with XXXX to a pre-paid plain with XXXX. I wouldn't be able to switch over my current plan to a pre-paid plain with XXXX if I had such an outstanding balance with XXXX. I requested that this collection agency to provide me with proof of the original contract of me being obligated to pay such a balance and they failed to provide me with proof. When I spoke with one of the representatives from the collection agency his exact words were " we do not have to provide you with proof you would have to speak with XXXX to get access to about obtaining that information ''. Shortly after I spoke with him I filed indentity theft report with the Federal Trade Commission, I filed a police report at the XXXX police department where I spoke with officer XXXX badge # XXXX police report # XXXX, and I also mailed a general affidavit for them to provide me with an original copy of the contract which they still failed to provide me with the info I requested. which if I'm not mistaking goes against the fair credit reporting, Section 609 ( a ) ( 1 ) ( A ).
Consumer complaint received 2018-12-11
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. (MS)

Company is repeatedly reporting my account past due under 30 Days further hindering my credit report or dulpicating amounts under 30 days raising my debt to income ratio. I have tried to resolve it several times and the company fixed a recall on my car and damaged in the process and refused to assume liability causing me further hardship. But the are damaging my Credit Reporting My account past die when its under 30 Days.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions