davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
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: Experian Information Solutions Inc. (FL)

Essentially, the company has entered an unverifiable account on my credit report that I did not open. I made this fact clear to the company and provided evidence confirming identity theft and evidence from US authorities  confirming that my personal information, including my social security number, but not limited to, have been compromised. Despite this the company continues to report this derogatory account. This is my last attempt to have this matter rectified amicably without the need for litigation ; thus I have engaged the CFPB.
Consumer complaint received 2018-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (AR)

BB & T Loan number XXXX. Mortgage was against XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. House was sold and closed on XX/XX/2018. Closing was handled by XXXX XXXX XXXX XXXX XXXX branch here in XXXX . XXXX did the research for payoff as of that date XX/XX/18. The quote from BB & T was {$110000.00}. The last monthly payment was made XX/XX/XXXX for {$950.00}. The payoff came XXXX-18. I was confident that BB & T or their contractor might try and ACH another draw of {$850.00} after the closing dollars were paid. I knew the payoff was to happen 3-4 days before XX/XX/XXXX and they would try to draw that payment so I instructed my XXXX XXXX  to not allow them to draw the monies.. So on XXXX-18 they show that stop payment and then proceed to take away from the escrow due to us in the amount of {$1200.00}. Their records show that they would only be sending {$360.00}. We have contacted them via phone calls and two different emails to a supervisor. He has not even responded to those emails. I attached in those emails per his request our bank statement in XX/XX/XXXX which showed the payment made through ACH. I also talked with XXXX XXXX Monday the XX/XX/XXXX and obtained from them the wire service documentation on the payoff. This is SOP for Title companies on a house closing. I am attaching supporting documents that backs what I'm saying as well as BB & Ts ledger that does the same.
Consumer complaint received 2023-03-22
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: Amsher Collection Services, Inc. (TX)

Amsher CoBalance details 0 % paid off Balance {$1000.00} Balance updated XX/XX/XXXX Original balance {$1000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name AMSHERCOLLECTIONSERVICES Address XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number ( XXXX ) XXXX I HAVE NO KNOWLEGE OF THIS ACCOUNT THIS IS FRAUD AND IT HAS BEEN REMOVED WITH XXXX. I ALSO HAVE FRAUD ALERTS AND A VICTIM OF IDENTITY THEFT AND WOULD LIKE THIS REMOVED ASAP
Consumer complaint received 2018-08-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WINN LAW GROUP, APC (CA)

I received a letter from Winn Law Group on XX/XX/XXXX regarding a debt and account from XXXX??? I never received a summons, later found the paperwork submitted to the court was false!!! I was never served and after not receiving the needed paperwork from Winn, I obtained paperwork from the court myself, where I discovered false paperwork had been submitted by Plaintiff to the court, and I also found the Plaintiff has a court lean against my property too since I failed to appear for the hearing???

I have sent a total of three letters to Winn and in my last letter dated XX/XX/XXXX in which I offered to pay in-full a cash settlement of {$1800.00} and I also requested if the settlement was accepted by Plaintiff they remove the leans against my home. 

As of today I have NOT received a reply from Winn Law Group, as is why I have filed the cfpb complaint.
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Resolution Corporation (TX)

I had an account from XXXX XXXX ( KS ) XXXX placed for collection with Account Resolution Corporation ( ARC ) out of XXXX, MO. I have gone back and forth with both entities about the delinquency date on my credit report. The date should be on or around XX/XX/XXXX, however it has been reported on my credit report as XX/XX/XXXX. The big problem with this is the house no longer existed as of XX/XX/XXXX as it was lost to a fire. The creditor ( XXXX XXXX XXXX ) acknowledges that the last payment was made in XX/XX/XXXX and can not explain why the delinquency is being reported as XX/XX/XXXX. When I contacted ARC about the discrepancy they said they would look into it and contact me, after a week I called them back to ask about the status and they stated that they had closed the account as a refusal to pay and would then report that to the credit bureau. I did not refuse to pay I simply asked them to report the correct date as that is older than seven years. Their only answer to this is simply that the account has been closed by them. I believe they have willfully re-aged my debt thus violating the FDCPA and I have reason to believe they have done this to many others as well as the President of the company, XXXX XXXX, who stated he is the 100 % owner of the company, told me they simply report the date of delinquency as the date they receive the file from the creditor. When asked what date the creditor had as the date of delinquency he stated XX/XX/XXXX. I said while that is incorrect, why did you then report it as XX/XX/XXXX? His answer was we date delinquencies as the date that we receive them from the creditor. So they are reporting that I am refusing to pay and they have reported the incorrect delinquency date for nearly 5 years on my credit report. They refuse to fix this. I am certain I am not alone in my story.
Consumer complaint received 2018-08-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (CA)

XXXX XXXX XXXX leased XXXX VIN XXXX, a lemon,  towed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and towed once more on its turn in date of XX/XX/XXXX. XXXX XXXX, GM of XXXX XXXX XXXX, stated on he would not take the car back due to its history when I sought leasing a new XXXX & therefore, a termination fee of {$350.00} for not obtaining a new XXXX with his dealership should not be charged to me as Mr. XXXX denied me the opportunity to seek a new lease with his dealership. Additionally, out of pocket costs to have this car towed to the dealer via XXXX exceed {$350.00} ( I have the XXXX paperwork confirming 3 tows on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the {$350.00} tire cost fee assessed by XXXX XXXX XXXX is not warranted and is disputable as the vehicle was inspected by a 3rd party, XXXX XXXX XXXX XXXX in XXXX XXXX ( which is where it was towed from on XX/XX/XXXX ) and no tire replacement was found necessary. XXXX XXXX sold this debt incorrectly and unfairly to XXXX and XXXX XXXX unfairly created these inaccurate debts for a car that is a lemon.
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (FL)

We just received a loan denial. The reason : since per XXXX guidelines the waiting period for the XXXX XXXX XXXX XXXX 2nd foreclosure has not yet been satisfied XX/XX/XXXX The foreclosure by the condominium association on property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX was executed on XX/XX/XXXX. 

XX/XX/XXXX My wife received a discharge of debtor chapter XXXX on XX/XX/XXXX, which included the debt from property located at XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX FL XXXX, ( please, see Discharge of Debtor, attached ). 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX filed a 2nd foreclosure on the same property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The current owner which purchased the property from the condominium association, cited a case in their defense that the mortgagors Us had to actually sell the property without the Banks consent in order for there to be a violation or default of this term due on sale of the mortgage agreement. 

XX/XX/XXXX The judge ruled that the Banks claim of violation because of the condominium foreclosure action and subsequent sale of the property to the current owner was not a valid default and accordingly their basis the foreclosure claim was denied. This final judgment closed the foreclosure case with the bank not being able to have the property sold at a foreclosure sale.
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Debt collection agency is trying to collect on a debt that does not belong to me. I sent the debt collector a letter to validate the debt on XX/XX/2018 and the debt collector has not responded to the debt validation request. 

This company is illegally trying to collect on a debt that does not belong to me. This company is trying to collect on a recycled debt.
Consumer complaint received 2018-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

I was informed that my transaction was successful but the recepient did not receive the money. 

Upon further investigation on my end it was confirmed that the money was returned to World Remit. 

The transaction completion date was XXXX XX/XX/2018. I followed up with World Remit to inquire about the status of the missing funds on 2 separate occasions. 

I was assured the first time that the transaction would go through, the second time I had confirmed the funds had been returned. World Remit assured me that they would refund my money but seem to still not know where the money is.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, and XXXX XXXX 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 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 An 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. 

Govern Yourself Accordingly.
Consumer complaint received 2022-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

My name is XXXX XXXX I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Consumer complaint received 2018-08-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (MA)

XXXX XXXX keeps calling my cell phone for another party, no idea how they rec 'd my phone number but its not even me they are calling for. I answered one time and told them to never call again but they keep calling. they just called me at XXXX on XX/XX/18 and left a voicemail making threats that if there isn't a return phone call there will be further action. I have an outgoing voicemail with my name so you think they would realize its not the person they are calling but they don't.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2018-08-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

The reason why I would like to file a complaint with your office is due to its relationship to my time in service. I had a direct deposit account that was established after being assigned to XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX XXXX XXXX, which was located in XXXX, MD. Today, there are no records of having such an account neither in XXXX archives nor in my 201 personnel files. As well, I no longer have standard information in my civilian records. Unfortunately, this incidence would go unaddressed until XXXX. However, this letter represents my first official efforts to readdress it as a separate concern. 

Apparently, my personal bank account was deleted from the archives of XXXX XXXX XXXX XXXX now XXXX XXXX XXXX. XXXX XXXX XXXX XXXX investigated my concerns and found that no such account existed on record, neither on file nor in their archives. Later, as the new XXXX XXXX XXXX, the administration claims to have no records of my account, and refused to investigate my concerns further. I was told by the administration that, at times, such information often gets lost, particularly, when bank accounts are dated and abandoned. 

However, I contacted the XXXX XXXX and XXXX XXXX ( XXXX ) on the matter. I then requested a copy of my LES records. I was given an online account. Weeks later, my LES records were posted to my online account by XXXX. Records showed that I had an account at XXXX XXXX XXXX XXXX, at least, since XXXX. However, an administrator at the XXXX XXXX XXXX refused to address my concerns. I was then told to retain the legal aid of a lawyer. And, such efforts have been met to no avail. 

I believe the lost of my account is attributed to an alleged incident that occurred between XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX  and myself. This incidence occurred during the latter half of my last tour of duty ( XXXX ). 

Dates for lost account starts at XXXX through XXXX, but needs to be addressed starting from XXXX through XXXX, totaling approximately 47 thousand. I also deposited funds into my account from civilian employment, college rebate checks, et cetera. 

The problem was addressed via The Inspector General Office, XXXX XXXX XXXX XXXX, and directly with the credit union. 


PS : I do have a copy of my Master Payroll Account Records available through snail mail for your review. Or, it can be attained directly from XXXX.
Consumer complaint received 2024-03-01
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. (NC)

THIS WILL BE MY 3RD ATTEMPT TO CORRECT THIS ISSUE. THIS COMPANY IS REPORTING INACCURATE INFORMATION TO MY CONSUMER PROFILE.

I HAVE NEVER HAD AN ACCOUNT WITH THIS CREDITOR. I REQUESTED VERIFICATION AND THIS ACCOUNT IS UNVERIFIABLE.

ALSO AFTER FURTHER INVESTIGATION BULLCITY FINANCIAL DOES NOT HAVE THE PROPER CREDENTIALS TO ATTEMPT TO COLLECT ON ANY DEBTS IN THE STATE OF NC I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED ON MY CONSUMER PROFILE. THIS IS NOW IN VIOLATION OF 15 USC 1681B.

FURTHERMORE FURNISHING AN ACCOUNT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS BEEN REPORTED TO MY CONSUMER PROFILE IS AFFECTING MY ABILITY TO OBTAIN HOUSING.
Consumer complaint received 2018-08-22
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. (CA)

I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark
Consumer complaint received 2018-08-22
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. (CA)

I paid my XXXX XXXX Credit card in full on XX/XX/XXXX for {$100.00} including a {$2.00} Interest charge per statement due date of XX/XX/XXXX. Then XXXXXXXX XXXX assessed a {$2.00} interest charge on XX/XX/XXXX that I had no knowledge of. They then reported to the credit bureau that I was 60 days late on a {$2.00} interest charge. I have been a long time customer since XXXX and have only made 1 late payment of about 7 days late. When I called the Customer service department they waived the {$2.00} interest charge and late charge associated with the interest charge but refused to remove the derogatory remark from my credit score. The customer service rep was extremely rude and was laughing at me. I have never had interest show up after I have paid in full. This is completely ridiculous and unfair to ruin some ones credit for {$2.00}. This should have never taken place. XXXXXXXX XXXX   should remove the Derogatory remark immediately. My score dropped 110 points for this one Derogatory remark
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I filed bankruptcy chapter XXXX XX/XX/2013 & it has been discharged. It appears on both XXXX & XXXX  but doesn't appear at all on my XXXX credit report. Many of the discharged accounts still appear as delinquent on all three credit reporting agency credit reports.
Consumer complaint received 2018-08-23
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: EQUIFAX, INC. (GA)

I placed a dispute in to the major credit reporting agency on XX/XX/2017, yet I have yet to hear of any resolution to my issue. I am a victim of identity theft and provided proof of the crime and me being a victim.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

***** Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( XXXX, XXXX  and Experian ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from XXXX, XXXX  or Experian, the credit update would not have occurred as we do not report to third party credit agencies.

***** XXXX XXXX  # XXXX**** shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. When you move toXX/XX/XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and my HUD contract shows this. However, the loan in question shows delinquent in XX/XX/XXXX. Please remove the negative information from my credit report and that of my wife.

*****
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I filed the declaration of unauthorized endorsement or altered item, amount of {$2000.00} to the bank of chase.

Someone stole my check, altered the name and cashed it out. 

The chase bank is saying that they are still investigating and no money has been refunded. 
It has been over 6 months.