davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I represent myself. I sent a cease and desist and validation of debt, Synchrony received it on XX/XX/2021. Synchrony sent a letter XX/XX/2021 and did not answer any of the questions on my audit request. It has cause so much XXXX and XXXX because I exercised my rights as a consumer. Under Title 15, Synchrony has committed misleading, deceptive acts. XXXX XXXX. I sent them my billing error notice because they were not truthful as to how to make payments for my alleged debt. I demand an answer, full documentary evidence and for opening new accounts with the correct methods of payments issued on my account pursuant to 12 CFR 1023.13. Thank you
Consumer complaint received 2021-01-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (IN)

Spoke with the Midland credit agency about the collection in regards to my account XXXX XXXX Social Security number is XXXX the actions claim by this agency or fraudulent and behavior spoke to multiple representatives who claim that the incorrect information is on the account and collection is due for a third-party vendor for a medical agency and try to resolve this information and resolve this issue via the credit bureaus also called directly to associate and attorney with the case Midland credit XXXXid refuse as well I need to contact the attorney generals office for a conditional removal immediately from the credit report and all agency.
Consumer complaint received 2019-08-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (SC)

For the past two weeks, all hours of the day.. HRRG, has called me multiple times a day. Theyve called my husband multiple times while he is at his job. If we had the money to pay, we would.. but we have been struggling since I had my XXXX and are on one income currently.
Consumer complaint received 2022-04-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: United Shore Financial Services, LLC (AZ)

On XX/XX/2021 - UWM ( United Wholesale Mortgage ) accessed my two checking accounts for 14 unauthorized transactions. My XXXX XXXX XXXX account they took out {$300.00} seven times, and put back {$300.00} seven times causing overdraft fees. On the same day to my XXXX XXXX XXXX account they took out {$1000.00} seven times and put back {$1000.00} seven times. Both of these cause my banking accounts to be flagged as a risk. All unauthorized transactions. 
On XX/XX/2021 illegally accessed my XXXX XXXX account again pulling out my rent of {$1100.00} and then pulled out my rent again on XX/XX/2021 for the exact same amount of {$1100.00} duplicating my rent payment. 
UWM website states that they were having payment issues for many customers and it would be resolved by Monday XX/XX/2021. Funds were not returned. I called and they have not resolved the issue stating they needed my banks verification to reverse the charge. Multiple overdraft fees have been incurred. My bank has referred me to the banks collections department despite a three way call that was meant to verify the funds had been debited that would have fixed this issue.
Consumer complaint received 2022-04-27
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. (MD)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$600.00}
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

Commenity Bank ( Victoria Secret Card ). Limit was {$250.00}. Card went into default and now the balance is {$700.00}. I asked for an explanation of the increased balance and was told I had over {$400.00} in late charges and $ XXXX in interest charges. I tried researching allowed late fees after the account went into default and I couldn't fine anything. Are there any limits on the amount of late charges that can be charged after default?
Consumer complaint received 2017-12-18
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: Early Warning Services, LLC (MI)

ACH transactions from an account at XXXX XXXX ( {$900.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to XXXX   account number ending in XXXX listed on the EWS report. 

XXXX 's records do not indicate that I have ever had a relationship with XXXX per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by Early Warning summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Consumer complaint received 2022-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

I have an existing complaint under ID XXXX. I took another look at my TD Bank Statements & deposit receipts & discovered my account is short {$380.00}. I couldnt see how to submit additional information supporting my complaint from your portal. So Im submitting another complaint to get the additional information to you that way.
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (OH)

On XX/XX/2022 I received a deposit in my navy federal checking account via a XXXX transfer in the amount of {$300.00}. The following day XX/XX/2022 navy federal violated the Electronic Funds Transfer Act, by conducting an unauthorized charge to my checking account, in the amount of - {$250.00} for a checking line of credit, and another charge, - {$50.00} for a charged off credit card which is currently in dispute. 

The checking line of credit is currently a {$0.00} balance, as proven by the data navy federal has furnished to my XXXX and XXXX credit report. Furthermore it is notated as closed, paid, and current. On my credit report. Navy federal MUST have furnished this info to the Credit reporting agencies, Im sure XXXX XXXX XXXX didnt randomly come up with this info. 

Be advised Navy Federal Credit Union, legal action very well may arise from the actions you have chosen to proceed with.
Consumer complaint received 2020-09-04
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (AR)

In XXXX of XXXX, after the Cares Act was passed, I call Navient to inquire how this impacted my student loans. Their representative informed me that nothing was required on my end, that the Cares Act automatically put my student loans into forbearance ( I could be wrong about the term ), and that no further action was required. In XXXX, I logged into my Navient account and, to my surprise, my loans were showing past due. I called Navient to find out why this is and was told that my type of student loans weren't covered under the Cares Act. Now, first of all, I had no idea there were different types of student loans. Secondly, why was I not told this in XXXX. Now, not only do I have an account that is extremely past due, but they've reported me to the credit bureau and my credit score has dropped dramatically. I tried to speak to Navient about this and they were far less than helpful, so I filed a dispute with the 3 credit agencies ( XXXX, XXXX, and XXXX  ). They asked Navient and, apparently, Navient refused to change it. One thing to note, I immediately paid the balance once I learned the accounts were overdue. 

To summarize 1. I had no idea that my student loan was any different than any other student loan 2. The Navient rep had informed me that no further action was required I'll also add, I would think that some form of communication would be called for when an account was this late. Yet, I never had one call from Navient.
Consumer complaint received 2022-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I had XXXX late charges on XXXX XXXXXXXX accountthis was a mistake and was also under the cares act stated must be rmoved during this time, ive contacted XXXX XXXX twice with letter, and i always get a computer generated letter with the exact wording sent backive always on beentime before this and after, ineed this off.been about a year 1/2now
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX 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 2021-01-29
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. (CA)

These 2 accounts, I do NOT owe! I don't even know why it's even on my credit. Please remove them immediately. Thank you. It could be from my ex-wife 's account.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

There is a collection showing on my credit from XXXX XXXX XXXX XXXX. The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place and never got a conclusive answer except that the information was " verified. '' I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. I want the account removed from my reports since it's proven unduly burdensome to contact the collector.
Consumer complaint received 2020-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a  complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Contacted all 3 major Credit Bureaus with regards to an account that is showing up on my report from XXXX/XXXX and asked that it be removed from my credit report. This account was from supposedly from XXXX XXXX. I contacted XXXX XXXX and they confirmed on XX/XX/2021 at XXXX XXXX Central Time that this account could not be found in their system and that they had no knowledge of the account. I spent over an hour on the phone with a XXXX XXXX representative named XXXX. 

I asked that this account be removed from my reports as it could obviously not be verified. I have submitted disputes multiple times with each credit bureau and they all respond that the information is correct in less than 7 days. This is an impossibility!!!! 

This account needs to be removed from my account according to the FCRA Section 604, 609 and 611. They can not positively verify this account. I attempted to cofirm this account with XXXX XXXX and could not so there is no way that they could possible have followed the correct protocol and followed the FEDERAL LAW with regards to this account.
Consumer complaint received 2021-02-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed a complaint last year. When I go online to check status the database has " several '' of my previous complaints intertwined with several of my previous and current complaints. The complaint I am trying to file a complaint today has to do with Bank of America. Bank of America has been practicing Predator Lending Tactics with my late daughter who was an XXXX Veteran. My late daughter ( XXXX XXXX XXXX ), AKA XXXX XXXX, suffered great XXXX among many other ailments until she committed XXXX. My late daughter was harassed by Bank of America tremendously and now they pick up where they left off with ME! On my previous complaint ( s ) I stated that Bank of America 's latest Predatory Lending Tactic was/IS to REFUSE my mortgage payments. Bank of America " knows '' that there's a current Bankruptcy case. Bank of America know that if they REFUSE my mortgage payments they can 1 ) ruin my bankruptcy case 2 ) raise my mortgage payment ( s ) 3 ) OBTAIN OUR FAMILY HOME THAT MY DAUGHTER PAID THE ULTIMATE PRICE FOR!!! Please help our family maintain our family home that my daughter fought so hard for. I have too many documents to fax, email etc., for this reason I would like to meet with someone personally so that they can make hard copies? XXXX XXXX for The Estate of XXXX XXXX XXXX ( XXXX XXXX ).
Consumer complaint received 2022-09-18
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: ERC (NY)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Account Enhanced Recovery Company XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (FL)

I am submitting this CFPB Complaint to you once more to formally dispute the fraudulent inquiries listed on my credit report. Despite my repeated attempts to have them removed over the past three months, inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : 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 . I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these unauthorized inquiries, I expect immediate action to be taken.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (FL)

As a lawful consumer Ive been violated of my rights due to the fact the consumer reporting agency and/or data furnisher of the company attached to this complaint is not reporting 100 % accuracy across my credit file. I have attached photo proof of the inaccuracies I mus add in detail that on this photo I've circled in yellow months that this company hasn't reported no data to bureaus and payments was made on-time and paid as agreed. Thats a perfect example of how unaccurate the data-furnished could be! I've also mark with a red X the late payments this company is also reporting that are also unaccurate and I am aware the creditor must report 100 % maximum accuracy or information shall be modified.