davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I applied to XXXX XXXX HomeBuyers Choice on XX/XX/2019 and started the process of this loan, I received an email asking me to submit lots of paperwork to get the loan started which I summited everything almost immediately ( W-2,  Paycheck Stubs, Signed federal tax returns for the last two years in which I submit that same day than a few days later I received an email response from XXXX who was my loan officer she replied on XX/XX/2019, in which she told me the document I sent was received and that the loan was on track, I received a mortgage loan conditionally approval on XX/XX/2019 in the amount of {$600000.00} since I had already picked the home and stared the escrow process since before that I had already received a Pre-approval letter for the amount of {$810000.00}. I schedule an appraisal for the property and paid Navy Federal {$490.00} to get that going I received an approved appraisal on XX/XX/2019 the loan was moving perfectly fine I had even a set closing date for XX/XX/2019, then I received the final closing disclosure on the XX/XX/2019 and the loan was unable to close due to the loan processor XXXX in which I tried numerous time to communicate with her and she never responded via email or phone calls she ignored me and my loan officer, I got reassigned out of nowhere a new loan processor named XXXX who was very helpful with the process but I did ask him that if everything was fine and why we had not closed on the according to date we had agreed to which was the 17th he told me that the file had reached closing and it was not supposed to reach that department yet. He told me not to worry that everything was fine and that we just needed a few things from underwriting, then I received a call from my sales agent that he had spoken to XXXX and that the whole loan had been denied. I felt mislead throughout the whole loan process in which I was preapproved for over {$800000.00} then I went and only asked for {$600000.00}, I was allowed to open escrow with Navy Federal knowing that the loan still had not been the final approval. this is terrible business practices as I have no lost half of my deposit which was {$6000.00} due to the sales having to move for the closing and unable to move for also having them fix items from the home, of course, they had reason to be upset for the loan not closing on time also XXXX Have lost my appraisal money as they are not willing to refund me that amount and made me take this unnecessary step to close a loan they had not yet to underwrite. making me lose time and money with a misleading company with no ethics.
Consumer complaint received 2024-03-04
Product: Credit reporting 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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

After sending in the dispute, saying that the debt reported was not mine and did not belong to me and asking for proof to verify it, or delete it. To my knowledge, I discovered that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed since as they can't prove debt validation of a contractual agreement with AFNI. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (NC)

I was notified via phone of an outstanding debt from XXXX XXXX XXXX. The collect agency said they had mailed and called about the debt, however never recieved in communication until about XX/XX/2018. The debt was posted to the company web portal on the account. This charge was done after the lease had completed and all rental agreements had been met. 

I had no reason to log back in the portal after the end of lease and vacating the property. Once was made aware the {$100.00} was paid to XXXX XXXX XXXX. It has been removed by XXXX, however not by XXXX  or XXXX. Currently my credit scores are XXXX XXXX, XXXX XXXX and XXXX XXXX. There is a difference on 66 points on my  credit scores.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
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 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 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 Balance {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I received a letter from a collections agency, Transworld Systems Inc, claiming that I have an outstanding XXXX charge that had been turned over to collections. I almost always pay for shipping when I am at the XXXX Store so this didn't make sense. I have a basic XXXX account that I rarely use, so I logged into my XXXX account and there are no invoices or charges there. I have also never received an email or mailed invoice from XXXX for this charge. I'm concerned that this is some kind of scam where someone has billed something to my XXXX account. I did an internet search and it seems there are others in my same situation with XXXX and Transworld Systems.
Consumer complaint received 2019-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CT)

The below complaint was marked as a duplicate when it in fact is not, CCS ( XXXX XXXX XXXX ), requested more time to respond to this complaint in XXXX, on or around the XXXX, marked it as a duplicate today, XX/XX/XXXX. This complaint pertains to XXXX XXXX adding on additional amounts to my auto policy from prior policies which I believe CCS bought from them.. XXXX XXXX is still attempting to collect on these debts despite being invalid and sold off.. 

XXXX XXXX claims I owe them for past policies which were supposed to be canceled as per my request before additional coverage, resulting in a balance owed. It appears my request was not honored at the time and or canceled later for whatever reason, non-payment, etc.. A balance was generated as a result of this and XXXX XXXX sold the items, four in total, to CCS . I was contact by CCS for payment on each policy, the above info was explained each time and CCS stopped collection efforts. XXXX XXXX has added on the amounts in question to my current policy, please see info below ... XX/XX/XXXX Cash Transferred To/From Policy {$1000.00} XX/XX/XXXX Cash Transferred To/From Policy {$2800.00} XX/XX/XXXX Transferred Balance from Prior Period {$2200.00} XX/XX/XXXX Transferred Balance from Prior Period {$380.00} I do not have the policy numbers available to me. It appears XXXX XXXX is attempting to collect on old, invalid, charged off debts. In a prior complaint, I requested CCS to confirm this information, if they in fact purchased these debts from XXXX XXXX or not. My request was ignored, they addressed another issue in that complaint but did not confirm or deny if they had purchased these debts from XXXX XXXX. I need this information to forward on to an attorney for an investigation, XXXX XXXX is attempting to collect on old, invalid, charged off debts. Secondly, they claim CCS is their in house collections Dept when CCS is not located at the same address and does not have the same number as XXXX XXXX. I believe they claimed this so as to hide the fact they sold the above mentioned policies to CCS.. I need CCS to confirm whether or not they are in house collections for Liberty Mutual, I do not believe they are as CCS handles accounts for other insurance companies such as Progressive as well
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report.. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX  ( Original Creditor : 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 2019-06-21
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alliance Recovery Group (NV)

I keep getting phone calls from a company that never identifies themselves in the message. They call from a local number but give a XXXX number to call with a reference number. I believe they called and left same number last year saying something about my ssn being used in some type of fraud. Sure its bogus. I often access my credit report nothing different than what I expected. In recent weeks they have left many phones messages for me again never identifying themselves or who they are calling for. Then earlier this week they called my place of employment and asked for. They gave one of my co workers a message with phone number and a reference number only. Now this made me angry because I dont know who they are, Ive never received any bills or documentation, and now they are calling my job. I finally called the number to try and find out who they are. I had to ask the person a few times before they said the name which is Alliance Recovery. Ive never heard of them or received any bills or documentation from them. The messages that they have left lately say something like we have attempted to call and may attempt to serve you at home or work. Im not communicating with someone who is purposely concealing their identity. Its on the news ever day about people being scammed into paying people who use these exact tactics. They should be held accountable for them whether they are legitimate or not.
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (GA)

Despite four written requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the unverified item still remain on my credit report in violation of Federal Law. This company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a )  ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore this company have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
# XXXX {$310.00}. I am attaching the paper trail with Certified mail receipt.
Consumer complaint received 2019-06-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bonneville Billing and Collections (ID)

Hello, on or about XX/XX/2019 I was contacted by bonneville collections of Utah. They had called and asked for me at work. It was roughly XXXX. During our conversation the collection agent repeatedly told me that quote I was not being a man, that I wasnt a good father, take care of this or else. That I was being a deadbeat dad. In a few different ways. I take this verbage as abusive language. My bosses secretary was standing right next to me as she was the one who handed me the work phone and couldnt believe that she had spoke to me that way. Again I believe most of not all people would consider this to fall under harassment.
Consumer complaint received 2021-10-15
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: Bread Financial Holdings, Inc. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account COMENITYBANK/ XXXX is reporting late ( XXXX and XX/XX/2020 ) as reported in my 3 Credit Bureaus XXXX Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (OK)

In process of closing on home. Contacted XXXX because they are the only credit bureau that is reporting my student loan that has been paid off back on my credit file after was already removed and reflecting never late paid in full balance is now XXXX. they directed me to their website which doesn't allow you to open new investigation. Please help time is of essence. I am currently in process of closing on a property and my score dropped and now my debt to income ratio is 10 times higher.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I applied for a Care Credit card to help pay for my XXXX procedure but I was denied. I noticed that when I received my denial letter it stated that I had a XXXX credit score which is false and I also noticed that it pulled a hard credit inquiry.
Consumer complaint received 2019-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Braviant Holdings, LLC (TX)

RE : Revocation of authorization for debits Company : Balance Credit To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company.. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to this company, XXXX XXXX, and XXXX XXXX  and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. It has been well over 30 days on more than one occasion, and neither XXXX XXXX or this bureau has done anything to address the creditors disregard for the federal laws. I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened all I know is I never had XXXX XXXX account. I found out that the bureaus collect money from creditors when it comes to credit reporting consumers. Read that the agencies make more off bad reporting than good which makes me think this is being kept on my credit report so this company can profit off my misfortune.
Consumer complaint received 2016-01-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX I was approved on an individual basis for an American Eagle credit card through GE. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX student only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX student is n't stressful enough, I have been stressing about his debt that is hurting my credit score!
Consumer complaint received 2019-06-21
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: Fidelity National Information Services, Inc. (FNIS) (GA)

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.