davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the fair credit Reporting act XXXX accounts, has violated my rights. 

15 USC 1681 Section 602 States I have the right privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account, loan or anything under any open end consumer credit plan as late for purpose.
Consumer complaint received 2024-04-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

The debt is allegedly for final months rent, or a portion of. The final months rent was paid in full, see attached receipt. 

The third party debt collector, Transworld System , Inc., has reported the collection without making an attempt to contact me. Per my understanding, this is a violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-06-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (TX)

My wife XXXX and I have a VA loan processed through Home Point with an excessive amount of property involved with securing the load as well as accumulated equity. Now, at age XXXX, I am manifesting the results of XXXX and XXXX XXXX received in XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX. ) It is our desire to sell some 10 - 15 acres of the excess property so that we may make changes to accommodations in our home and to travel a bit across the country - while we still can. 
My problems with Home Point have been going on since XX/XX/2018 when they did not honor the Disabled Veteran Tax exclusion issued in Texas. After several phone calls I spoke with an " Escrow Expert '' and reached a settlement over the phone that like several times throughout out financial relation has not been reflected on paper. 
We have three buyers of our pasture land that is a part of our loan waiting to go to closing. I was told there would be no problem in the releasing of those 15 acres but at the meeting we discovered that no action had taken place. 
The title company made phone calls while we set there in her office to see what the hold up could be, she was given phone numbers to what turned out to be irrelevant government agencies, rather that the proper department at Home Point. But the next Monday they ( XXXX XXXX XXXX notified me that Home Point had certain demands to even " consider '' the release with no guarantee that the XXXX fee would be honored, but, was only to consider the possibility and that if accepting my written request there would be other fees associated. I drafted the letter and placed it and answers to a form in XXXX 
I have not heard from Home Point as to even their receipt of the request. So, I'm asking you to ask them to get the lead out and release these few acres so that the buyers can move forward with their plans and so can we.
Consumer complaint received 2018-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FULTON FINANCIAL CORPORATION (MD)

I opened an account with XXXX XXXX online in XX/XX/XXXX in a process that took a few minutes. I never received the debit card for the account. I called a few times and they said they can't issue a new debit card without the account number. I never received a debit card or checks or anything with my account number on it. Their solution is for me to go into the branch but I moved in XX/XX/XXXX and do not live near a branch. I would have to take time off work to go. I tried to just close my account to end the headache but they said they can't do it over the phone and that I have to mail in a letter. After mailing the letter they told me it had to be notarized and that they couldn't close it. 

I just want to close this account and get my {$25.00} back. If I opened it online and confirmed the opening with a phone call I don't understand why I can't close it over the phone after providing all of my personal information. I have closed bank account over the phone before. I feel like they are just making it difficult so that I won't follow through with closing it.
Consumer complaint received 2021-06-04
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc. (FL)

This company violated my consumer rights and heavily impacted my credit score. This is considered identity theft where I gave no written consent to anyone to use my information. I am exercising my rights. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Credit Counsel not being able to verify the account numerous of times nor provide any type of proof I would like this removed. I am due for the monetary relief of XXXX  since my information has been validated. 
There has been phones and letters stating a debt that I do not owe. I requesting for help for this items be deleted from my credit report along with the stress it has caused me. 
Thank you,
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Convergent Resources, Inc. (TX)

I would gladly pay this debt, if I could send a check to an address and be done with it. They want me to do a payment over the phone ... .never. 
Have this debt collector contact me thru the MAIL and I will pay the debt, WHETHER or not I owe it.
Consumer complaint received 2015-05-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

These people continue to call me on a debt that I do n't think is mine. I do not believe that it is identity theft, I just believe that they put the wrong name on the wrong debt. They refuse to work with me on this. They say the only way it can not be mine is that if it was identity theft. I sent them a letter telling them that the information on the debt does not match up with mine except for the name. They tell me XXXX different times that they will send me a dispute packet without actually sending me a dispute packet. This last lady that called me, just like the XXXX other times before, called me like I had never disputed it until I say something. She was the rudest person that I have ever talked to about this issue. She blamed me and the post office for not receiving the dispute papers. Then I said that if I say I would pay it you would probably react a lot quicker. That is when she tried to convince me to give her my bank account information over the phone after negotiating a payment plan. When I said I am not going to give her my information over the phone she got real defensive and said " You know we will have the same information on a check, right '' like I was stupid. She then said that she was going to put down that I was no longer disputing but going to pay it and that is not what I said at all.
Consumer complaint received 2021-01-26
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2015-05-07
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I 'm an XXXX. I purchased a brand new 2014 XXXX XXXX from a dealership on XXXX 2014. I did not know I was getting tricked into signing a contract for 73 months for a monthly payment of XXXX which Equals XXXX plus a down payment of XXXX that I had upfront during the purchase of the car which adds up to XXXX. My car is in excellent condition and only has about XXXX miles on it. The blue XXXX worth is XXXX and at the dealership the sticker price was XXXX. I have paid all my payments every month. I spoke to a finicial counseler and made it clear I was taken advantage of simply because I was a XXXX. The dealership even knew how much I made as an XXXX. I will be paying over XXXX when I 'm done paying this car. I have a family of XXXX that I need to support and this unfair and unjust. I did n't knew what I was going to pay over XXXX what the vehicle is worth. They never explained none of the APR % or how much I 'd end up losing and I fell really taken advantage off. I 've been XXXX for over 5 years, executed XXXX in order for businesses to sell their product in our great crountry. When I return home I get taken advantage of with no mercy. If this has been done to me I wonder how many other service and non service members they have gotten. I wish for my payment to be lower as well as the total of the vehicle. The dealers sales men never shared the information of the deal they made with the finiacial company that gave the loan nor explained why I had to pay XXXX for 73 months. I want to dispute this. This always happens simply because I am a XXXX member, and I live near a base so all these businesses set up and sell their products advertising " we do military finiance '' they reel us in like fishes. This is an outrage. Will you be able to help?
Consumer complaint received 2017-10-09
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CIT BANK, NATIONAL ASSOCIATION (MD)

CIT Bank, a bank that acquired ONE WEST Bank, has refused to validate information it is currently reporting to XXXX XXXX XXXX XXXX, Account number XXXX. I have requested this bank under the FDRA to validate the entry on my XXXX credit report and they refuse to do so. In addition, validation is not merely proof of my mailing address, but competent evidence that the information being reported is accurate. 

I have made numerous calls asking customer services to assist me to no avail as well as received the letter attached. 

Under the Fair Reporting Act, I do have the right to request the the original creditor validate information shared with the major credit reporting bureaus.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

1. Despite confirming that I will be visiting the branch to collect the new account package, the relationship manager sent it through mail which caused significant delay in getting access to the account after it is funded. Email communication can be provided as evidence as needed2. After attempting to activate my online account through https : //www.us.hsbc.com/1/2/home/personal-banking on XXXX XXXX, no XXXX password was received as of XXXX XXXX despite the XXXX hours delivery Service Level commitment which is likely due to system fault as discussed with various HSBC staff3 . Relationship manager sent highly sensitive Personally Identifiable customer confidential info ( name, account number, address, Social Security Number ) through an unencrypted zip file attached to an email in violation of HSBC information security policy and industry best practices / regulations ( e.g. XXXX ), putting customer security and privacy at significant risk. Such information was never requested by me and Email communication can be provided as evidence as needed4. During customer support call on XXXX XXXX, customer service staff provided falsified information regarding the password delivery time by stating it will be delivered to my mobile device within XXXX minutes ( where it should be XXXX hours ) with the sole intention of ending the support call without resolution5. During the second support call on XXXX XXXX, customer service supervisor confirmed a call back from a US-based support staff with knowledge of my case and resolution at XXXX EST on XXXX XXXX. However, no attempt was made to contact me until I initiated contact with HSBC later that day. The supervisor also provided a non-existent / falsified customer service case number with the intention of ending the support call without resolution. All subsequent HSBC staff that I contacted has no knowledge of the nature of the incident / complaint demonstrating significant communication issue between onshore and offshore ( XXXX ) support teams6. As of XXXX EST XXXX XXXX ( 7 days after account creation ), the bank has not offered any means to access the account placing customer funds at risk
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (VA)

I submitted a complaint regarding this company within the past 6 months with your company, case file no. XXXX, this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with Debt Recovery XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter XXXX bankruptcy back in XXXX and that has been XXXX, all accounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under XXXX XXXX XXXX Virginia - XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very stressful having to deal with false transactions and fraudulent reporting on my credit. Thank you
Consumer complaint received 2017-02-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

XX/XX/XXXX, we submitted a complaint to the CFPB regarding our private loans from Navient ( # XXXX ). My husband is a former XXXX XXXX student and graduated XX/XX/XXXX. There is serious doubt as to whether he took these loans out. Shortly after the most recent complaint, we discovered our college advantage loans were at a XXXX balance. My husband called Navient to discover what was going on and was told they were on a forbearance, although they could not say why. On XX/XX/XXXX, we checked the balance of our private student loans to see where we stood in regards to balance. Again, that balance was XXXX. From XX/XX/XXXX-XX/XX/XXXX, we have received calls from Navient asking for payment on these loans. At this writing, Navient is being sued by your bureau for deception and fraudulent practices. Since XX/XX/XXXX, we have paid almost $ XXXX on these private loans. We still owe over {$39000.00} on them. My husband works XXXX jobs and I work alongside him to meet these obligations. We feel he has more than paid for his subpar degree and due to Navient 's deception, we are firm in not giving them anymore of our hard earned money.
Consumer complaint received 2021-06-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

The three major credit bureaus have not been providing me with results and it's been a whole year!! I have been disputing accounts with the bureaus for a year now and they have done absolutely nothing. I haven't received any letters and there is simply no way in a year they haven't received a single one of my letters. There are serious inaccurate items on my credit that need to be removed. I have received deletion letters and forwarded over to you and those accounts continue to report on my credit. You are supposed to respond within 30 days under the law!!! Remove these immediatley.
Consumer complaint received 2015-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: United Collection Bureau, Inc. (MI)

XXXX XXXX, at XXXX I received a phone call from a man who stated his name was XXXX ( no last name ) and that he was with United Collection Bureau. He was rude, abrasive and continued to cut me off in the middle of my sentences. He was calling in reference to my Husband alleged account. My Husband 's name is XXXX XXXX ( there are over XXXX in our area alone ) so I informed XXXX that I would confirm last XXXX of social or date of birth if it was the correct person as we have had some identity issues lately. XXXX than told me that he would just call my Husbands employer and terminated the call. 

This behavior is not professional in the least. I have the recording of the call and did inform XXXX at the start of the call that I would be recording.
Consumer complaint received 2024-05-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/23 I accidentally sent XXXX XXXX  dollar payments to my attorney using PayPal because I wasn't getting a confirmation number I attempted several times this is how 3 payments where sent. I called PayPal and they said they would cancel 2 of the payments. On XX/XX/XXXX the 2nd XXXX payment came out of my account causing me to over draft and have some of my reoccurring payments decline this caused fees to be assed by my creditors. I called PayPal again they advised this was going to be fixed and that it would take about 30 days I had to borrow money in the mean time to cover all the fees and to bring my account out of the negative. This morning I wake up to the same nightmare with the 3rd XXXX dollar payment which they said it had been canceled over drafting my account once again. I have numerous times called and tried to get this resolved and it hasn't worked. I am once again with XXXX dollars in my account that will cause overdraft fees and a huge impact in my credit and financial health as well as my XXXX XXXX Please help me get this resolved asap.
Consumer complaint received 2024-10-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION (LA)

XX/XX/XXXX XXXX XXXX M & T Bank ) completed homeowner assistance/hardship application with me over the phone. XXXX educated me he will be my single point of contact going forward, which I greatly appreciated. He kindly explained the options of reinstatement, partial claim, loan modification. After a lengthy discussion, we concluded reinstatement was not financially realistic. The loan modification would affect my interest rate significantly. The partial claim was the best option to apply for and XXXX advised me there is a XXXX  % allowance of the unpaid principle that can be used for a partial claim. I appear to be under that threshold. It was his professional opinion as my single point of contact that it would most likely work out, however he could not make any promises. He and I agreed to touch base later this week, XX/XX/XXXX. He advised he is in XXXX. I called this morning and asked to be connected to his direct extension, and at which time I was advised XXXX was not my single point of contact. They would not provide a reason why. This was very distressing. The lady I spoke with, XXXX XXXX, advised me that my new single point of contact would be XXXX XXXX XXXX She declined to transfer me to her either. XXXX proceeded to review options with me causing me great distress. XXXX and I had a plan in place ; he said he was submitting, and we would check for an update Friday. Now the goal posts are moving and I am just trying to save my house. I do not have confidence in my servicer. I would like to speak with XXXX again. Furthermore, XXXX XXXX was pushing me to do a reinstatement, which I already reviewed at length with XXXX. I do not understand why XXXX was assigned my SPC and said he was submitting for the partial claim and now I can not get a status update from anyone as to where XXXX 's application is for my house. Additionally, my support person interjected wanting to know why I could not find out, and XXXX XXXX postured very harshly demanding I take my phone off of speaker, criticized me for allowing my best friend to support me through this, she said I could not involve any third party despite my attempt to say I authorized her to listen and offer me support throughout this mentally anguishing situation. It is unfortunate that I have to file a complaint, however with the goal posts moving, them redefining the definition of " single '' point of contact, I am afraid I have no choice.