davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Account Systems of Omaha, LLC (TX)

XX/XX/2022 - {$440.00} Collection for XXXX XXXX XXXX XXXX showed up on XXXX credit report, I disputed it with no resolve. Told to contact agency directly. 

XX/XX/2022 - I called National Account Systems ( XXXX ) Omaha - XXXX XXXX XXXX- I provided proof via email to XXXX XXXX that this debt was not correct and not owed by me. 

XX/XX/2022 Called XXXX XXXX back as I have had no further communication from them on this. XXXX stated that the debt has been cleared and my file was closed and I owed nothing. Stated he will email and mail me official notification of this and have the collection removed from my credit reports. 

XX/XX/2022 I have received no communication from XXXX regarding my case and collection is still showing on my credit reports. I called XXXX and XXXX answered the phone, said he could not help and only XXXX can help me. I asked why and he said that is their policy. He said I could leave a voicemail. I asked for his last name and he paused, then made up a name of XXXX. I told him that was not acceptable and he hung up on me. I called back and a XXXX XXXX answered the phone ( it sounded just like XXXX XXXX and he transferred me to XXXX where I left a voicemail. 

Sill not resolved.
Consumer complaint received 2017-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (SC)

On XXXX XXXX XXXX I received a Seriously Past Due notice from Transworld Systems Inc, address in XXXX DE, for an alleged debt I supposedly owe to XXXX in the amount of {$110.00}. I wrote to Transworld, explaining that I did not owe this amount to XXXX ; and that another collection agency, XXXX XXXX XXXX, recently tried to collect the same amount for the same " invoice. '' I do not do business with XXXX at all. XXXX XXXX XXXX dismissed the debt in its entirety.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I had applied for a home loan in beginning of XXXX. I was assured that I was going to get a Mortage Rate of 3.625 % on the phone with XXXX XXXX from WellsFargo XXXXXXXX XXXX XXXXXXXX. He assured me no matter what the rate goes up to, I would be getting this rate as long as I complete the application with him today. I completed the application with him on XX/XX/2022 on the phone. Everything was submitted that day. I even submitted the comparator Loan estimate from another company to match the rate. I was assured as long as I submit the comparator loan estimate, I would get that rate with no questions asked. Then the first loan estimate I received from Wells Fargo had a larger mortgage rate than what I was told and considerable more in Loan points to buy down the rate. There was also a mention of Lender credit of {$3500.00} that was entered incorrectly as a Seller credit to confuse me to think that I am getting a credit. 
I asked Wells Fargo to switch the mortgage consultant from XXXX to another person because I was not getting a timely response to my questions. The second mortgage consultant was XXXX XXXX XXXX. XXXX XXXX XXXXXXXX. 

When I inquired further, Wells Fargo told me the credit was no longer available even though I was promised by XXXX they would match the comparator loan estimate including the lender credit of {$3500.00}. At this time I needed to speak with the Manager of Both XXXX and XXXX who is XXXX XXXX XXXX ID XXXX. I was not able to resolve the issue which is the false information I was given to sign up for a loan when I could have spent my time with other mortgage lenders. This has resulted in lost time and unnecessary credit checks done on my account. I want Wells Fargo to honor what they had said in the beginning on XX/XX/XXXX about giving me a loan at 3.625 % with no points and a lender credit of {$3500.00}.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AR)

I disputed a fraudulent charge on my credit card. They closed the account as a result and wont tell me why. They said I will be receiving a letter in the mail. Ive done nothing to deserve this.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CO)

I made payment in full on XX/XX/2022 in the same manner as I have for over two years. Payment was not credit timely until XX/XX/2022. Goldman Sachs held payment for over three business days before posting and sent threatening emails demanding payment.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (WA)

I accidentally paid the XXXX XXXX Tax to XXXXhe County when my mortgage company ; Cornerstone Home Lending , Inc. was supposed to : XX/XX/18 {$1100.00} and {$26.00} fee. When I talked to another lender, XXXX XXXX, about refinancing, they told me that the mortgage company pays the tax. I contacted the assessor twice and he said that the mortgage company has to refund. I called my original broker ; who said I had to call XXXX. XXXX at XXXX said that I have to go to the assessor and get a hand written receipt. I told him that I paid with credit card. He said he can't help. I said that they will be reported.
Consumer complaint received 2022-09-01
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. (TX)

This complaint is to inform the CFPB that I am in receipt of the correspondence from Transunion in regards to the former complaint I submitted on XX/XX/2022. 
The companys reply is unresponsive to my request. 
I specifically requested proof of my consent in relations to the following accounts on my credit report ; XXXX XXXX XXXX Partial account number XXXX XXXX  XXXX XXXX  Partial account number XXXX XXXX Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial account number XXXX 15 U.S. Code section 6802 - Obligations with respect to disclosures of personal information A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party, any non-public personal information, unless such Financial institution provides or has provided to the Consumer. 

B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the Consumer is given an explanation of how the Consumer can exercise that nondisclosure option. 
Transunion has failed its legal responsibility to protect the my privacy by continually stalling to adhere to my request. 

The GLBA privacy rules, as enforced by the various regulators, generally require : Clear and conspicuous notice of the financial institutions information-sharing policies and practices, including what information it collects and with whom it shares the information. Covered institutions may use a model privacy form published by regulators as a safe harbor. The privacy notice must be provided when a customer relationship is established, and annually thereafter unless the financial institution does not engage in any sharing for which customers have the opportunity to opt out and there have been no changes in policy or practice since the previous privacy notice.4 Providing customers the right to opt out of having their nonpublic personal information shared with nonaffiliated third parties, subject to a number of significant exceptions, including for joint marketing, processing consumer transactions, and service providers. Financial institutions must process opt-outs within 30 days.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Neon Newco Corporation (FL)

On XX/XX/22 a charge was made to my netspend card without my authorization. It was a case of credit card fraud. Tha amount was {$77.00}. I explained to the card provider that I did not authorize this charge. They have since said that they have investigated, and the charge is valid. It is not. They have sent me a letter stating that they can provide me with documentation proving the validity of the charge. I have requested this information XXXX  weeks ago and they have not mailed me any such proof. As a matter of fact, no such proof can exist. Again, the charge is fraudulent. I would like Netspent to refund my money plus the cost of my time and energy chasing them for XXXX months about something that is their responsibility.
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-09-04
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. (MO)

I recently disputed an collection account with Experian they are currently reporting an unverified, unproven, non compliant collection account from XXXX XXXX. I send my dispute certified # XXXX. In which they have failed to comply. Due to the fact that NO ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH ACCURACY, COMPLETENESS, AND COMPLIANCE To XXXX XXXX and they have failed to prove otherwise and refused to delete this account.
Consumer complaint received 2015-08-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (OR)

This was a 0 interest loan for 36 months. If not paid off 29 % interest was charged retroactively. The payoff date expired in XXXX and the payoff balance went from {$1300.00} to {$5900.00}, which was more than the purchase price of the product I bought and I 'd paid on it for 3 years. The problem is the emails I received from Synchrony Bank do not give me the expiration date of the " 0 interest '' offer. I received XXXX email on XXXX XXXX saying " Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details ''. When I clicked on the link to the statement it took me to a marketing screen without a log in to my account. At the bottom of the screen is a tiny " contact us '' which I eventually clicked on. It took me to a log in screen. When I logged in with my SSN and DOB it said it could n't find any records of my account. Companies like Synchrony Bank prey on consumers by not providing adequate notification of these promotional programs, and then making it extremely difficult to get to that information. Then they charge outrageous interest rates, which should not be allowed. I called them, explained the situation and they basically said, too bad, you owe us {$5900.00}. Each email statement should have included the expiration of the promotional period and notification that the interest rate was retroactively being raised to 30 %. The paper bills they used to send had this information. The emails did not and made it difficult/impossible for the average consumer to find the info. Since the account was on auto payments from my checking account, I did n't realize they expiration date had expired until 3 months later. I have paid over {$800.00} in new monthly payments. I talked to a supervisor today and offered to pay off the original balance of {$1300.00} on top of the {$800.00} and was told I had to pay off the entire balance. Retroactive interest charges like this should not be allowed. If they are, there needs to be requirements for notification that make it CLEAR and EASY for the consumer to understand when the payoff date is.
Consumer complaint received 2022-10-24
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. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Resolution Corporation (MO)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2017-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AZ)

I paid a debt in full in XXXX/XXXX/XXXX to XXXX. I debt that I had to pay because I lost my home and where I was moving did not over XXXX service. XXXX although I had proof would not allow me out of the business contract I had. I paid the debt through a company called XXXX XXXX XXXX All payments were made payable to XXXX and sent to XXXX XXXX XXXX XXXX I have email letter from XXXX that states paid in full XXXX/XXXX/XXXX. 

Now a collection agency IC System is trying to collect XXXX from me, which was part of the balance I had already paid back in XXXX on the same account. I filed a complaint with the BBB and called XXXX. IC System is refusing to remove the debt from my credit report stating the have the right to do so because they have validity of the debt. They refuse to speak to me when I called them because I reported them to the BBB. The reason I went to the BBB is because they never sent me validity of the debt until I made the request through the BBB. I thought it was a scam because I had paid the bill in full XXXX/XXXX/XXXX. When I called XXXX they no longer have a ledger of payments made and want me to fill out a complaint form. XXXX ca n't even tell me if they turned my information over to IC System. They stated they deal with several companies. 

In the meantime I have to deal with information on my credit report. Why when this bill was from XXXX, paid in XXXX as agreed can a collection agency come up with something like this? I use checks to make payments and sometimes money orders. I will have to now try and locate both from years ago. I would have to pay for XXXX to XX/XX/XXXXstatements in order to do this and feel I should not have to do so when I have confirmation from the XXXX XXXX that I was paid in full. I have 26 communications over the 7 months of me paying XXXX payable again to XXXX. I am unable to reach the XXXX XXXX listed below and get no answer. 

Please Help!! 

IC System XXXX. XXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX DE. XXXX XXXX XXXX XXXX XXXX Fax XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (VA)

I complained to CFPB and suffered retaliation for doing so. Specialize Loan Servicing SLS claimed to help me but instead caused more grief. When I call them and enter my loan number it would just hang up on me. The clocks ticking and it appears I have no case manager. SLS was purchased by an XXXX parent company -- I guess they are outside of XXXX regulators.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge