davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
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. (OH)

I, XXXX XXXX, am submitting this CFPB Complaint to follow up on the recent Complaint I submitted. The latter is disputing the fraudulent items that were listed on my credit report. Upon receiving a copy of my credit report, I was appalled to discover several accounts that I did not open and have no knowledge of 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 Unpaid Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XX/XX/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 XXXXXXXXI wish to assert that I did not authorize anyone to open these accounts on my behalf. Given the circumstances, I believe this is an identity theft case, and I have already taken necessary measures to report this issue to the authorities. Thus, I implore you to conduct an immediate investigation into these fraudulent accounts and remove them from my credit report as soon as possible. I am well aware of the Fair Credit Reporting Act 's requirement to conduct a reasonable investigation into any disputes. Therefore, I am confident that upon investigation, you will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION (CA)

Hello hi it's me XXXX XXXX again okay the reason why I'm making another complaint is because all the money that was withdrawn from my account was done with the ATM card and I have in front of me all the withdrawals my sister made with that credit card that she activated fraudulently activated so when Banner Bank told you I came into that bank I did go into the bank that's when they told me child support had a hold on it IRS had a levy on it every time I went in there they told me that that account had a hold on it mean while with the XXXX XXXX XXXX you could see because they gave me a copy of the withdrawals from from my account which I never received it I never received their debit cards right here in front of me quick stop has my sister on the security camera withdrawing the money right there at the ATM so whatever lie Banner Bank is telling you it's stuffing but a lie so you need to ask them do they have the withdrawal slips do they have do they have that no they do not have that and what about how they said child support had taken XXXX out of my account that never happened IRS never had on my account they lied about that and now they're lying about this I've got the withdrawals right here in front of it at my sister made fraudulently with activating my debit card so please if you have any questions please call me area code XXXX and that's the truth I'm not going to let up on this because that is the truth Banner Bank is lying to you thank you XXXX the only money that exchanged hands between me and Banner Bank that was when they rode me that cashier 's check for {$5700.00} and I think {$14.00} that was the only transaction cash I mean check transaction that I made with him there was no other transactions my sister took all the money off of my debit card so I'm trying to explain to you guys so I don't know why better because lying I do not know because they're the one that made the mistake that's why and they need to refund my money every single time of it I forward you the papers at the Banner Bank gave me all the withdrawals from my from my account with the ATM card I forwarded to you so take a look at them
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Like millions of other Americans, my credit information continues to be exposed by multiple security breaches. Experian.com refused to freeze my credit online, despite having updated, accurate information on my credit and addresses. Both XXXX   and XXXX enacted credit freezes for me online without a problem. 

Experian demands that I mail my confidential credit information and a copy of my ID to them to freeze my credit. Sending them these hard copy documents is a security risk. It provides all the information needed to steal my identity. Using a firewall-protected, encrypted website with a XXXX is an easier and safer way to submit confidential information. 

How can I get Experian to freeze my credit online as requested?
Consumer complaint received 2019-09-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dispute with TransUnion to follow suit with XXXX in regards to two accounts that was deleted off my credit report XXXX XXXX
Consumer complaint received 2018-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I disputed derogatory accounts with all three credit bureaus on XX/XX/2018 XXXX  deleted and corrected the situation with the derogatory collection accounts, ( Accounts : XXXX # XXXX, XXXX # XXXX ) with Experian and XXXX  the two derogatory collection accounts have not been deleted, Experian or XXXX investigation method does not equally reflect XXXX  investigations or results.
Consumer complaint received 2018-04-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc. (NC)

XXXX XXXX XXXX has violated the North Carolina Collection Agency Act section 58 70 100. Harassment. ( 3 ) Causing a telephone to ring or engaging any person in telephone conversation with such frequency as to be unreasonable or to constitute a harassment to the person. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act section 805 Communication in connection with debt collection [ 15 USC 1692c ] If a consumer notifies a debt collector in writing that the  consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further with the consumer with respect to such debt. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act section 806 Harassment or abuse [ 15 USC 1692d ] A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

XXXX XXXX XXXX has violated the Telephone Consumer Protection Act ( 47 U.S.C. 227 ) by its actions of calling consumers cellular base telephone number using automatic telephone dialing system and artificial or prerecorded voice ; 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ).
Consumer complaint received 2019-09-29
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)

Late Payment remark associated with XXXX XXXX is inaccurate and incorrect. Numerous attempts with each credit bureau have been made to address this issue to no avail.
Consumer complaint received 2019-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (TX)

On XX/XX/XXXX I called Great Lakes and I asked them for a " Master Promissory Note '' ( with my signature ) Pertaining to all Loans that they had in there office. I was sent the document named ( XXXX XXXX ), and it is attached to this complaint. I have also included a screenshot of the email it was attached to. 

There are three Promissory Notes attached to this document. On page one, the " Master Promissory Note '' does NOT bare MY signature! Also, the document was also typed and could have been replicated at anytime.

The Second " Master Promissory Note '' on page 10, also does NOT bare MY signature! The document was also typed and could have been replicated at anytime.

The Third Promissory Note on page 13, is the SAME " Master Promissory Note '' that XXXX  attached to a complaint response, that I made to the Consumer Financial Protection Bureau. 

Response date was on XX/XX/2019 with attachment. 

How is it, that The SAME " Master Promissory Note '' is used for an entirely different loan? Please explain I recently found out that Great Lakes, XXXX and XXXX are all in the same. 

I fear that these documents that Great Lakes, XXXX and XXXX are submitting to the Credit Bureau 's and the Consumer Financial Protection Bureau as proof of loans, are being fabricated! Any document sent from any of these companies should be questioned in GREAT details and should not be trusted at first sight. 

I have expressed my concerns to Great Lakes, XXXX and XXXX and ALL they keep saying is PAY, PAY, PAY!! AND how wrong I am
Consumer complaint received 2019-09-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NIC, Inc. (AZ)

I had paid over the phone with them in XXXX, given my banking info. I noticed there were multiple debts on my record from being XXXX. After paying my debts in late XXXX and XXXX this account I noticed had never been labeled as settled I had called them inquiring about why there wasn't a settled claim like on my other debts and why they chose to just remove it. Nemo 's collections assured me the debt was handled properly and as I see it they has repeatedly been adjusting the amount I owe and deleting the evidence I would've had by not filing the debt as settled, I have tried to talk about my debt and the evidence I paid should've been in my XXXX  XXXX   report along with my other debts with a settled claim. I assume there are records I can't access that would show them removing and adding to my debt repeatedly.
Consumer complaint received 2019-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OR)

I have 80 calls from them in less then a week. Sometimes they call 3 or 4 times in a row if you dont answer. Especially during work hours. This is a clear intention to harass me to get their money. I had to block their number because it is a huge interruption at work, they constantly harass me, my phone is always ringing. It has to end. Calling 1 hour apart does not mean i got the money that much faster.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

The vehicle was at the creditor dealership getting maintenance. The mechanic left the oil cap off, causing the motor to seize. It was under their responsibility and will not claim it. They originally said they would take care of the loan. However after returning the car, they still reported it as a repossession and this is incorrect information as they assumed full responsibility. They will not return phone calls nor will they return emails.
Consumer complaint received 2019-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IA)

This is a follow up to complaint number XXXX with Bayview Loan Servicing, loan number XXXX. I have filed a appeal of theri decision not to extend me a loan mondification. Explaining in this appeal the reason I had financial issues with the first modification that was out of my control due to employment. I submitted documentation of the changes of employment, and the differences in income ( from a loss of income of almost 8k a year, to rebounding back to the income levels that I had before the modification was in effect. I have been denied by BayView, with conflicting reasoning, on letter stating that they did not have the documentation needed to make a determination by the date stating in the denial letter. And a second letter stating that I was denied for being late on the last payment ( which I did call and attempted to make, and was told by the representative on the XX/XX/XXXX that I could not make the payment, and they would not except a payment. Even though I made the first two payments on time, and one of them 2 weeks early. 

I am submitting the two details letters that was sent within a week of each other giving different reasons for denial. All documentation was givin showing the change in work, and my health issues that cause all of this to take place.
Consumer complaint received 2019-09-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company keeps harassing my credit report. I payed some of the debt but was disputing it because of some previous issues. They sent me back the check and then added the amount to my credit report saying I was late and dropped my score XXXX points. I not am going to pay for a car I didnt drive for a XXXX when I even told XXXX that the car was defective. XXXX said I gave up the car in XXXX and that was incorrect. It was within XXXX weeks of purchase date. I keep telling you guys that I didnt get a buyers guide from the dealership and a lot of info was omitted. Yet, you all purchased the debt and keep harassing my credit report. Can you guys stop harassing my credit report? Do I really have to search for a XXXX lawyer for you guys to stop harassing me?
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (NJ)

I recently discovered outdated and inaccurate personal information in my file maintained by LexisNexis. This outdated information includes old addresses and names that no longer reflect my current situation. Despite my attempts to address this issue directly with LexisNexis, the outdated information remains unchanged. I am concerned about the potential impact on my financial and personal well-being due to this inaccurate reporting.
Consumer complaint received 2023-04-07
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. (NC)

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX - OPENED ON XXXX  - XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX
Consumer complaint received 2019-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

XXXX XXXX XXXX called me XXXX XXXX to say I owed {$1000.00} To USAA -- They offered to settle the debt in payments for 6 months that would amount to {$1800.00}. I told them I could pay {$1000.00} on the first to clear debt. Name of company if you dial it is XXXX. But I was not sure what I owed USAA since before I had a care giver XXXX XXXX to help with my finances and keep track of payments. Since I have had several XXXX XXXX and six XXXX. Also on line is proof I was recently XXXX in the XXXX with a XXXX guage by my dog that XXXX  my XXXX   and XXXX my right XXXX and cracked XXXX XXXX  leaving an ounce of XXXX XXXXXXXX in my XXXX. Needless to say this has been hard without a care giver. You know I was not thinking so I called that number back and I explained that I am not sure if I am being scammed and I want to call USAA to be sure this company is legit. I also want to know for sure I owe this amount because I am not sure in my mind if I owe money or the amount if I do. 

I called USAA several times, some problem here with memory and did not answer their security question right but finally got through and then they needed me to send an ID photo which I did. Yet they will not give me the amount I owe and even after getting through and sending the ID. Maybe USAA can justify the record of 5 different phone conversations I have had trying to get my information and their getting me to verify by sending them a copy of my valid ID but for a senior I would not advise you to be a customer with them. The hours I have spent are frustrating just only to get information to verify if XXXX is their debt collecting company and if {$1000.00} one time payment or {$1800.00} in six payments is justified to pay off what I owe and if {$1000.00} is really the amount I owe. USAA has up to now refused to tell me anything even with all the proof I have given. USAA phone number is XXXX.
Consumer complaint received 2019-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear Sir/Madam, I recently opened an Adv Plus Banking checking account in XX/XX/2019, with a promotion bonus opportunity of {$100.00} at the moment of signing-up. Then I made multiple $ XXXX direct deposits into this account in XXXX. However, I still didn't receive the {$100.00} bonus as described in the letter I received for the bonus. So could you please investigate this issue and send me the {$100.00} bonus? 

Thank you very much, XXXX XXXX
Consumer complaint received 2019-05-05
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. (FL)

I sent a certified letter to Experian dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. 

I waited 34 days to verify Experian violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent another certified letter to Experian stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to Experian, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. 

Experian has disregarded my proof of the violation of law and refuses to remove this trade-line.
Consumer complaint received 2018-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

This company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Is listed on my credit report as a debt I owe and have not paid. I do nnot owe this debt and want it removed immediately. They refuse to provide written proof of the debt which proved my point, that I do not owe this debt.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

Hi, Ive be found to be a victim of identity theft/ fraud however I obtained a police report for the following issues. 
However I have a pending mortgage and Im unable to move forward with this issue on my report, I need this remover immediately Ive been in contact with jefferson capital on several occasions only to reach dead ends every time, it has been over a month and still Im just waiting. Please help me get this issue resolved. Thanks
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

Around XX/XX/2017 Midland Funding, LLC bought a debt account from XXXX XXXX XXXX and without proof, they decided to insert this same account on my credit report with the same account number as XXXX XXXX XXXX Without any real proof of verification or validation of this debt, XXXX, XXXX XXXX XXXX allowed Midland Funding, LLC to add this account to my consumer report. All XXXX Credit bureaus such as XXXX, XXXX XXXX XXXX keeps claiming they verified this account accurate, but never provided me with any documentation. I never had a contract with Midland Funding, LLC, so how can you insert this account on my credit report ( Sound like identity theft ).

I also requested a 1099- C misc and never received that from any party at all.