davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (GA)

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath that are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX BankruptcyDate Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$1200.00}.
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (CO)

I never received any letter from the company in regards to this debt. I never receive any documentations, contract, or my signature on anything showing that I owe this debt. I have only receive emails and phone calls about this account or statements showing what the company say I owe in email attachment. Also with the phone calls and emails no one at National Credit Management disclosed I did not have to do business with them. Only that I need to pay the account in full or set up payment plans. I have asked multiple times for them to send documentation about this loan and was told I didnt need anything else other than I owe XXXX XXXX  University money! 

I was never informed that I am NOT required to do business with the company under the ( Contract Law ). Which is illegal. I feel like the company extorted/extorting me to make payments without any proof of this debt. 
Not only that, but the company has been reporting negatively on my credit report. Despite the fact that I made payments on this account They have not indicated that I have ever made any payments on this loan they claim I owe. 

I tried multiple times to solve this issue and was ignored or giving false information. They refuse to remove the remarks off my credit report. 

XXXX XXXX.
Consumer complaint received 2019-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (ID)

I thought ALL of my student loans had been consolidated but one had not. I contacted Navient and was informed that the loan was in default and had been sent to collections through XXXX XXXX XXXX. I called and tried for weeks to get someone that could help me take care of the debt. After NUMEROUS calls and leaving my phone #, I was finally able to speak to a representative. She informed me of my options, one being paying {$9100.00} to payoff the debt, and I told her I would get back to her within the next 2 weeks. I have tried now for over 3 weeks to contact XXXX, I have left a contact # everytime to receive a call back, and STILL have not received a response or call back. Not even a missed attempt!!! I would like to get this paid off at the {$9000.00} I was originally quoted but no seems to be able or willing to help. INFURIATING!!
Consumer complaint received 2019-04-23
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: F.H. Cann & Associates, Inc. (NH)

They have not stopped. First on XX/XX/2019 they repeatedly kept calling me. I would answer their call and hit mute and listen to her speaking, asking for me. " Hello, hello hello. '' I refuse to speak through them through the phone, so the next day, XX/XX/XXXX, I mailed a notice to ask them to please quit calling me and to either snail mail or email. 
They didn't listen. Friday, XX/XX/XXXX they called my partner ( I never gave them his information ) and then also my mother. They told my mother that if she didn't get a hold of me next they would call my work. Well, today, XX/XX/2019, they called my work. This is after I told them not to contact me in any other method than in writing. Especially NOT to call me at work. 

XXXX, who is employed at XXXX. XXXX XXXX XXXX, a debt collector, has repeatedly called me and harassed me when I have given specific instructions. Next it'll be a call to my attorney and lucky for me I work at a law firm. It'll cost me nothing to pursue them for damages. 

XXXX XXXX should be fined. THEY are not above the law. I CAN NOT PAY THIS DEBT AT THIS TIME and I have told them repeatedly. 

They have harassed family members and now my place of employment.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
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: LEXISNEXIS (GA)

Lexis Nexis is in violation of my consumer rights. Lexis Nexis has taken information from the PACER system and sold that information to other reporting agencies.

Lexis Nexis is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter.

Lexis Nexis is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character.

I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law.

Lexis Nexis is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave Lexis Nexis any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. 

Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. 

US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws.

Lastly, Lexis Nexis has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 years.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I am having multiple issues with an USAA account that was over drafted by unauthorized usage on an account where I am an authorized user and not an authorized cosigner. The account was used without my knowledge or my fathers knowledge and is being reported as a defaulted collection. I have taken a police report and included it to company reporting data. I have asked for an investigation into the matter and an affidavit as well a complete listing of charges made on the account. No investigation or documentation was received. I have asked multiple times to have the matter reviewed.
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (TX)

I opened my account in XXXX, 2019 at XXXX XXXX branch and had XXXX direct deposits after that. All of a sudden the bank closed my account in XX/XX/XXXX without even notifying me in advance. I got an email from them that my balance is zero and account has been closed. First I got scared that its a fraud and I called them to find out what happened, but they couldnt provide any information or reason and they also said that I should pick up the clearance check in the branch where I opened it. I am visiting my fianc in XXXX right now and will be traveling for the rest of summer. So I cant go back to XXXX to pick my check and they dont provide me with any other solution. I think its should be illegal to close account without notifying me and doing whatever they want with my money. Im a XXXX candidate and Im not working in summer. This money is very important for me right now. Also I opened my account during promotion period, which said that I will receive XXXX $ after having XXXX $ direct deposit in a month which they will put in my account after XXXX days of receiving the deposit. Of course, I didnt receive any promotion too.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC. (CA)

I'm trying to transfer my funds out of robinhood because I have documentation of them consistently defrauding me as part of their ongoing business operations. They are now lying to me about ACAT limitations and lying to the receiving bank about the number of shares in my account. When I connect with XXXX only my spending account is shown, but I can not connect my brokerage account. 

Robinhood is holding my funds hostage and continuing to charge me fees, even though they have defrauded me and are in violation of their terms of service.
Consumer complaint received 2020-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (TX)

Diversified Adjustments located on XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX, is trying to collect a wrongful debt for XXXX XXXX. 
I transitioned my business lines from XXXX to XXXX XXXX XXXX during a promotion in which XXXX XXXX XXXX will pay {$160.00} per line for transferring the service to them. 
It was required by XXXX XXXX XXXX a detailed breakdown of the remaining balance per line with XXXX. I did submitted my request for the information to XXXX on several occasions but they never complied denying my consumers rights. 
As a result the debt was left pending and now they are using several Collectors to collect a debt that was created purposely by their non compliance.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (CO)

Notified by credit monitoring company that I had a collection item negatively affecting my score. The collection record was placed by Helvey and Assoc for XXXX XXXX of Ohio. The debt was for the final gas bill as the house was sold XX/XX/2020. I had notified XXXX of my forwarding address via phone call, also filed a change of address with the post office. Additionally, XXXX sent their billing confirmations to my email address. 
And yet, I received no notification of an outstanding balance. 
Helvey refuses to remove the collection record even though I paid the debt the day it was reported to XXXX.
Consumer complaint received 2018-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

Back in XXXX I received a collection call from my mortgage company that my payment was short. I was told my escrow account was short and I needed to make it up with an immediate payment of {$1700.00} and my payments were going to go up around {$900.00} a month. I asked them to explain the shortage and they claim to have sent an explanation back in XXXX of last year. I told them I received nothing but there must be an issue with the transfer when they bought my loan out from the previous company last XXXX. I also told them I made a payment myself of more than {$7000.00} to the XXXX County tax assessor to pay my HERO loan and to get the deduction for 2017. They also were trying to collect a missed payment they didn't receive from my last mortgage company ( Plaza Mortgage ) which has since been resolved. I was not happy and told them I would make the payments to keep my credit in good standing and they needed to send a statement proving I still owed this amount in unpaid escrow. I also have asked multiple times to stop my escrow account and they have refused claiming their policy does not allow it under certain conditions I haven't reached. I reminded them their conditions don '' t apply since I signed a contract with XXXXXXXX XXXX not them. XXXX 's contract did not forbid me from their conditions of 2 years and 80 % equity or better. I also sent them the receipt for the credit card payment I made and they told me a check for more than {$3000.00} and a statement has been mailed. I have yet to receive either even though I've been told multiple times on the phone and by email the proverbial check is in the mail! And they still refuse to cancel my impound account and I was briefly given poor credit rating on TransUnion credit bureau for their mistakes and poor accounting.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

XX/XX/XXXX of 2020 care credit ( through synchrony bank ) closed my credit card which had a XXXX  balance, a card that through out the years I have held balances on and always paid my minimum payments and paid it off entirely because the purpose of this card is to be kept and used for medical emergencies ( we got and kept it active for our XXXX  year old dog and if needed our cat, but our dog had XXXX issues and was aging ). At the beginning of this year I was the first affected by the pandemic I had to use my savings the first 3 months before I got through to unemployment and have been on unemployment and at home with my XXXX children through out the pandemic. I Had to rack up all of my credit cards this year during the pandemic while caring for my mom who is XXXX  e compromised with severe XXXX also affected by the pandemic. Upon racking my my credit cards this year my credit score has fallen SIGNIFICANTLY I have to wait for my taxes to pay them off. 

XX/XX/2020 care credit snd synchrony bank who I also have 2 other credit cards with CLOSED MY XXXX BALANCE ACCOUNT. Not my XXXX card, not my XXXX XXXX card both holding a balance both of which I've had for 10+ years. Synchrony closed my XXXX  balance medical credit card that is used for emergency purpises. 

Last month our dog died we had to use our rent money. That same week our cat got attacked by an animal and is still sick and we again had to use our rent money. 

I am living solely on unemployment still and going back to work soon and have racked up all my credit cards including ones through synchrony I have faithfully paid on including interest, and this company was allowed to do this during a pandemic? 


Creditors can't charge us late fees on our accounts during a pandemic but they can close our XXXX balance accounts that are in good standing especially those for emergencies? 


Please tell me you guys have thought of this. 

Synchrony bank told me that have had ZERO COMPLAINTS ABOUT THIS ISSUE. I highly doubt I am the only person they did this to during the pandemic. 


This is something you guys should look into. 

I would love my medical emergency card back but its fine, I will make it one way or another like I always have. But this doesn't seem right, at all. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (DC)

I had a bank account with Simple Bank which was under the parent company of BBVA USA. I had good luck with Simple for years but it was recently closed by BBVA prior to XXXX acquiring BBVA. This acquisition has been a total disaster for those with Simple accounts. During the transition from Simple to BBVA Simple account holders were unable to access their accounts for multiple days. After that was fixed, Simple account owners ( now BBVA account holders ) were unable to transfer money out of their accounts to external banks and that continues to be the issue. The acquisition of BBVA to XXXX has been completed, but BBVA account holders are in a weird limbo where the only way they will allow us to close our accounts is if we get a notarized letter and fax it to some random fax number with all of our personal and banking information ( unclear if there's any sort of security around this, they said there was but could not elaborate ) and wait 2-3 weeks for a cashiers check. I have also been told that I can transfer {$5000.00} per MONTH out of the bank, but that there will be a fee anywhere between $ XXXX {$50.00} dollars. This bank is a scam.
Consumer complaint received 2019-06-24
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. (NJ)

I have contacted Experian on inaccurate information on my credit report. Experian has failed to verify two accounts that i never owned. I asked for official contracts and have not been provided anything besides a generic " verified '' letter. Experian is supposed to have consumer contracts on file under FCRA. I have mailed them four letters requesting verification for 4 months in a row and always get the same generic " verified '' letter sent back to me. Experian is not investigating my complaint and have put me in a hardship as these two accounts are effecting my true credit worthiness. I am trying to get my first home for my family and I to make our lives better. 

My First letter was Mailed on XX/XX/2019 asking for verification and received a letter stating the account was verified from Experian on XX/XX/2019. 

My Second letter was mailed on XX/XX/2019 asking for verification and received the same account verified response from Experian on XX/XX/2019. 

My Third letter requesting verification and consumer contracts was mailed on XX/XX/2019 and received the same account verified response from Experian on XX/XX/2019. 

My Fourth and final request asking for consumer contracts and verification was mailed out on XX/XX/2019 and received the same account verified response from Experian on XX/XX/2019. Experian is being negligent and keeps on sending me the same generic response. 

I have tried working this out with the company directly but have not been taken seriously. I would love CFPB to step in and try to resolve this issue.