davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (TX)

I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. Please take a look at the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I opened a XXXX XXXX XXXX in XXXX of 2019. XXXX XXXX has been charging the agreed upon amount of {$52.00} for equipment since that time. Meanwhile XXXX is taking XXXX XXXX monthly on another credit card because I agreed to pay them {$1200.00} in monthly payments in fear that they would ruin my otherwise very good credit. 
I have called them twice the last time being today XXXX trying to get this resolved asking for a statement of all of the payments that I have made. I see that there are multiple legal claims that have been filed against XXXX. I am ready to take that next step.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the fair credit reporting act XXXX, account 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 2018-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C. (OK)

Love, Beal & Nixon were notified that the debt they are collecting for XXXX XXXX XXXX XXXX XXXX was the result of identity theft. They have been called and the identity theft report has been submitted. LBN is currently garnishing my pay and has made no effort to cease collecting or stopping the garnishment.
Consumer complaint received 2018-11-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Loan Number XXXX Bank of America Home Loans XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concerned, Over the past 14 months, I have tried to receive assistance from Bank of America to help me keep my home or help me with some assistance to find a subitle place to stay. This has been one of the hardest things I have tried to do.I have email, faxed and mailed documents to Bank of America Home Loans. I spoke with a customer relationship manager from Bank of America on XX/XX/2018, and she specified to me that I can be approve for a short-sale or Cash-for keys assistance. I have made numerous attempts to find out what are the issues on my loan to keep me from getting some type of assistance. The home is in very good shape, I would hate to leave it and someone will destroy it. I am also working with XXXX to help me with this process. No-one from the Bank is telling me anything. Bank of America has a sale date on my home for XX/XX/2018. The Bank specified, I have issues on my account, but wont tell me what the issues are!! What is really going on here?? Why wont Bank of America help me? I have even went the local office of XXXX XXXX representatives in XXXX about Bank of America. If, they dont want to lower my mortgage so I can keep it, Bank of America could help with me a short-sale or cash-for Keys. What happened to the Harp program to help home owners in a time of need? For the past 14 months I have sent over, pay stubs, Utilities bills, hardship letters, bank statements, all of my income to help me get approve for some type of assistance for Bank of America to tell me, they cant help me? Why would they put me thru all of this stress and turmoil for nothing? Something is not quite right with this picture. I am having frequent XXXX XXXX, and my XXXX XXXX and XXXX XXXX is very high. My doctor back in XX/XX/2018, put me on XXXX XXXX XXXX medicine. This is not right! 

This following email is dated for XX/XX/2018 to Bank of America To the Appeals Department at Bank Of America To whom it may concern, I XXXX XXXX, am requesting any other outstanding issues with the Appeals Department. Please send me a list documents I need to submit so I complete this process. 

Thank you so much, XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

Sequoia Financial Services initially appeared on my credit report in XX/XX/XXXX with an opening balance of {$1400.00} for money they claim was owed to The City of XXXX XXXX. 

I was never provided any documentation informing me what was being charged or for what periods. I did have Utility services with XXXX but once I left the area I close my account with them in the year XXXX leaving a XXXX balance.
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

This account was removed and proven to not be mine in XX/XX/XXXX and it all of a sudden re-appeared XX/XX/XXXX. The first time the company was n't able to provide me with any type of legally accepted validation of such debt, my personal information was even incorrect. When I asked for validation AGAIN in XX/XX/XXXX, all I received was bills with an address I never lived at, no signatures or  anything that constitutes legal validation in accordance to FCRA rules. Also the company put the account back on my credit without proper notification as they were obligated to do in accordance to FCRA rules. This account does not belong to me remove it immediately or I will seek legal action.
Consumer complaint received 2018-11-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

Hello, Freedom Mortgage has made this process diffcult to say the least. I have been working on a loan modification for the last 12 months and yet to receive a decision. I have worked with my housing counselor to get all the required documents to the lender yet they still say they need more up to date documents. I submitted my bank statements that were generated by my bank for the last two months. Freedom said they could not take the bank statements because it wasn't a full month meaning showing 1st day of the month through the 30th day of the month. My statements run from the 15th through the month through the next month. We were told that it was a FHA requirement which it isn't. Any document I submit, there is always a problem. They have made my family 's life a living hell the last 12 months XXXX XXXX
Consumer complaint received 2018-11-06
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. (CA)

An account is listed on my Equifax Credit Report from a collection department has listed this account as open derogatory account with the open date of XX/XX/XXXX. I have contact Equifax multiple times and disputed this account multiple times a well stating each time that I do not owe this amount. I have also contact the company as well and they refuse to provide any contracts or signed documents stating that I owe this debt. A year before this collection company stated that the account was closed. This Open account that is being reported is keeping me from being about to obtain credit because it is listed as a open-derogatory account. Under the FCRA they to have properly verified the accuracy of an account listed on my credit report. On XX/XX/XXXX. I resubmitted again 0n XX/XX/XXXX, XX/XX/XXXX. The amount is XXXX. This account is reporting as an open account while the other bureaus have deleted.
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I asked for a rate reduction on my line of credit and received First time : We regret that we are unable to offer member-initiated interest rate reviews on our Checking Line of Credits. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However at the discretion of the Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the Checking Line Of Credit by sending written notice to the member at least 45 days prior to the date the change becomes effective. 

Second time : We regret that a more favorable reply could not be made to your rate reduction request. Your feedback regarding your experience with our members service representatives have been brought to the attention of our training staff who will review the matter and follow-up with the personnel involved. Every effort will be made in the future to provide you with the prompt and efficient service to which you are entitled as a member of Navy Federal. 
Third time : We are unable to revert your rate due to not receiving a lien recorded title for the XXXX  XXXX. Once the lien recorded title is received, the interest rate will be reverted back to the Collateral rate. If we can be of further assistance, please let us know. Thank you for your membership. 
Fourth Time : Thank you reaching out for clarification, there was not a title lien on your Checking Line of Credit ( CLOC ) as we don't have collateral CLOC products. 
Regarding changing rates on CLOCs, unfortunately, we are unable to offer member-initiated interest rate reviews on our CLOCs. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However, at the discretion of our Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the CLOC by sending written notice to the member at least 45 days prior to the date the change becomes effective. If you have further questions, please let us know.
Consumer complaint received 2018-11-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

My car payment was set up to automatically deduct from my bank account. It did this for 59 months. For the last month, it did not deduct the payment. They did not notify me of this, and if they sent me a statement, I must have tossed it as junk mail. 
Today I got a certified letter that the account was overdue and they were repossessing my car. 
I had to pay late fees & a payment by phone fee to pay the last payment that Nissan Motor Acceptance Corporation was supposed to have deducted from my checking account. And my otherwise perfect credit score now has a late payment thanks to Nissan.
Consumer complaint received 2022-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (VA)

This is a continuation of two prior complaints I have filed against XXXX XXXX XXXX XXXX. The two prior complaints are XXXX and XXXX. Both of these complaints were closed because, according to XXXX XXXX XXXX, they " could not identify who has submitted this complaint ''. XXXX XXXX XXXX - here are YOUR REFERNCE numbers of accounts in YOUR computer systems, which YOU gave to ME. These should suffice to identify me as these are literally the reference/account numbers YOU ASSIGNED TO ME - # XXXX and # XXXX. I am not going to give any personal information over this platform, especially when these accounts are for a MINOR. You can look me/the minors account with those two reference numbers as they are YOURS, as noted in the letters YOU mailed to me. XXXX XXXX XXXX ( XXXX ) is a scam company attempting to collect debt that is not owed and/or time barred. XXXX works with Pendrick Capital Partners, LLC as their unlawful " debt collectors ''. Pendrick Capital Partners purchases medical and billing information from XXXX XXXX XXXX. XXXX XXXX XXXX sells their patient's/client 's personally identifiable information without written consent from the patient/client. XXXX XXXX XXXX has been mailed, by me a dispute letter disputing these unlawful and DEBTS NOT OWED. I have also included a CEASE AND DESIST all communications from XXXX XXXX XXXX to me. I do not owe you anything. I have called XXXX XXXX XXXX and inquired about these alleged debts. They have on all occasions on a recorded line stated that they have forwarded any unpaid medical debts under my or my son to Pendrick Capital Partners and they even went so far as to deny knowing who XXXX even is. Leave me alone, XXXX XXXX XXXX. Stop your unlawful debt collection practices. I do not owe you or anyone ANYTHING. I have reached out to an attorney for help as well my state 's Attorney General. You are a scam company. Get real jobs and stop preying on innocent consumers. Thanks.
Consumer complaint received 2021-11-20
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. (CT)

Experian has received numerous letters from creditors XXXX XXXX and XXXX XXXX XXXX XXXX stating that the negative information on my credit report was false. In addition to this, I also have email correspondence from the creditors and Experian has still not removed the negative information. I am a XXXX XXXX XXXX XXXX veteran in a wheel chair that will not be able to buy a house as a result of this!!
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

In 2018 I sent an email to the XXXX credit bureaus and NCS disputing the information on my credit report. I have asked for any and all agreements with my wet signature that I agreed to or that I am obligated to pay the amount reported. The initial amount reported was about {$15000.00}. I disputed it and was able to prove that they released the apartment and were trying to charge me for rent for a unit that was occupied. The apartment did not have any damages when i moved out. They have been unable to provide me with anything proving that I owe that amount and what it is owed for. This has ruined my chances of being able to purchase a home or rent a home. My next step is a law suit.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TN)

On XX/XX/18 I found a collection from XXXX on my credit report. I ended my service on XX/XX/2018. I moved my number to XXXX XXXX XXXX. I asked for and paid my final bill. I find a collection from Diversified Consultants on my credit report a couple before I called on XX/XX/18. I called them they said it was mine. I said how could it be I paid it plus I received zero notification despite having the same phone number and email. The address they allege they sent the bill to is my grandmother 's address. I have lived at my address for over 2 years. Diversified said they did no wrong even though they had the wrong address. I called XXXX and talked in circles until I got in touch with a supervisor who couldn't tell me why they didn't have my correct address nor could say why I wasn't contacted by the other means of contact that were valid. I said I will pay this if you will agree to take the account away from Diversified because they don't care who lives were and won't delete even though the law says that should. The supervisor said yes I could pay them and they would call this account back from Diversified. So I paid an account that wasn't mine to get it off of my credit report. It cost me well over 80 credit points. I don't feel paying an account that wasn't mine and wasn't notified so I could have asked for a verification of debt is fair but would have been worth it to get my credit back. I want Diversified consultants to delete this collection from my account and I want XXXX to do what they agreed to do on XX/XX/18 and pull the account back from Diversified. I want my credit restored. This is ridiculous
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have an unverified accounts from Portfolio Recovery. I have previously disputed this account. I have never done business with Portfolio Recovery Associates. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt they purport I owe. Portfolio has reported collection on 3 credit reporting agencies. I sent registered letters to Portfolio Recovery requesting validation of debt for their accounts to the address listed, with an improper response validating this account, no competent evidence bearing my signature to properly validate this alleged account has been received. Again they failed to provide the information I requested. Instead, they sent letters outlining erroneous statement of charges from the alleged account as debt validation. I have requested that Portfolio Recovery, verify the following information : 1.  Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in an attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Portfolio Recovery is unable to provide the above identifying account information, this account must be deleted from all credit reporting agencies. This account is affecting negatively on all credit reporting agencies. I have already notified all 3 credit bureaus regarding this issue. The agency insufficiently met it's statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency, nor ( 2 ) provide me the account 's the date of last activity. I have not now, nor ever had any contractual obligation or arrangement with Portfolio Recovery.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (SD)

I received an email indicating that my credit score was negatively affected. I immediately checked my credit report and noticed that a place called Diversified Consultants was trying to collect a debt from me for XXXX to which I do not have. I called the company listed and he was very rude and demanded my social security number ( to which I did not give him ). I looked them up online and they are a very shady group with a lot of negative reviews from people that they have been taking advantage of. I need to restore my excellent credit and get this taken off my credit report please ... ... ASAP. Please help me!!
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-01-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Finance Corporation (NM)

this is actually an installment loan but payday is the closes selection you have available on your site i got a loan in summer 2018 and was keeping up on the payments but then i got behind on my payments due to financial struggle. i told them i would pay them when i got my settlement from a recent injury. i am still waiting. i am XXXX XXXX and they are fully aware of this told several times in person and had trouble communicating with me because of it, one of their staff even came to my door and i explained that the closed caption on my phone was not working and i cant talk on the phone. and that calling me is only going to upset me once you are informed. within 1 months the calls started every single day from several numbers. i even set my answering greeting on my voice mail with a custom greeting explaining that i am deaf and i cant take a phone call. they totally ignore that and continued to call 11x so far. i provided an email address and text message phone number to them when i got the loan but they still wont respect me. they continue to call and leave messages telling me ( knowing i cant hear on the phone ) to " CALL '' them. i feel very discriminated and want actions taken!