davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX  will not allow a statue to be used as a cloak for fraud.

Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account.

garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to XXXX  balance. 

I do not ingress in florida where the fake order was established.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (TX)

My mortgagor has re-evaluated my escrow and has recalculated my loan payments to include my homeowners insurance. My loan documents only include principal, interest, and flood. My loan is not set up for escrow or impounds. I pay for my homeowner 's and property tax outside my mortgage and always have. 

I called the company on XX/XX/22 or XX/XX/22 and talked to XXXX who said he would submit my concerns to the company. I did not hear back and called on XX/XX/22 and talked to XXXX. She was extremely rude and offered no feedback or support. 

I logged in to my account today on XX/XX/22 and see that my payment has been increased. This is in breach of my mortgage contract with the company. 

This is the second issue I have had with this mortgage company not doing the right thing until I submit a claim to CFPB.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: HireRight Solutions, Inc. (FL)

This company maintains a database of consumer information, mainly for the purposes of hiring in the trucking industry. I have disputed the information countless times over the years but they will not correct it. I have been party to XXXX class action lawsuits because of their refusal to remove incorrect and fraudulent information report by the subscribers of their database services, trucking companies. Also the last time I made a complaint was when the last class-action was supposed to pay out. To be paid a person was supposed to have disputed information during a specific time period and mail in an affidavit to something called the XXXX. I mailed in the document and a few weeks later received a letter saying I would not be paid because I sent no documentation. This company is infinitely corrupt that is why they are operating under bankruptcy protection. 
Also they employ a tactic of dual reports which means the individuals get a report with one set of information and the potential employer gets a report with all of the incorrect and fraudulent information the companies have reported.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I mailed off a letter to the credit reporting company with a tracking number and my mail has been sitting at the XXXX also mailed to the XXXX in XXXX Texas and the reporting company still have n't picked up my documents. How am I to adequately dispute the inaccuracies on my credit report if Experian will not pick up there mail that has been sent through the usps using certified letters. Also the mail is being delivered at the XXXX that has designated to sending consumers disputes.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : WELLS FARGO CARD SERVICE Requested Cor

rection : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It was revealed to me through my credit report that this charge is inaccurate. I did not authorize this account. I would like this account immediately removed from my XXXX report. 

Account Number XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the of the consumer. 

I would like this account to be removed from my credit profile.
Consumer complaint received 2017-06-10
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)

i have been seeing on my credit report and account i have with  XXXX   XXXX   XXXX  has been showing negative. i did make a late payment for the first time since i had the card in  XXXX     2016  but never missed any payments since and have aleady paid  XXXX  bill and not due until the  XXXX .  XXXX   XXXX    XXXX   is blaming the credit transunion and transunion is blaming  XXXX   XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (MI)

I recently filed a dispute with CFPB regarding NCC business Services reporting incorrect amounts on my credit report as well as re-aging the dates on my credit report. I also stated how NCC business service refused to respond to my validation request that was sent to them by certified mail. NCC responded stating that they reached out to the landlord and stated incorrect dates that were supposedly given to them by the landlord and that they did respond to my validation request which is also untrue. In my dispute I provided a copy of a civil judgement that was discharged listing a date and amount that is different from what NCC is reporting. According to the FDCPA a collection agency CAN NOT verify a debt only a creditor can. Im requesting that CFPB submit proof that original creditor verified the  accuracy of their reporting amounts and dates. NCC also claimed that I broke my lease in XXXX of 2013 but on my credit report it has an expiration date of XXXX of 2013. NCC stated that they in fact responded to my VALIDATION letter in which I attached a certified mail receipt proving that my letter was sent and received. Its only fair that NCC attach proof that they in fact sent me a response letter as well as a copy of the validation letter that was supposedly sent to my address. Im also requesting that NCC also submit proof that I gave them permission to even contact me regarding this alleged debt. Im also requesting proof that I gave NCC business services permission to use my PII to establish an account on my behalf-which can be a form of identity theft. i did send a copy of my drivers license and social to NCC which was after they placed this negative information on my credit report and created an account in my name without my consent. Im also requesting proof that NCC provided me with a 30 day notice before placing the alleged amounts on my credit report. NCC is not only violating my rights and the laws within the FDCPA but have caused me tremendous amount of stress but had also caused my credit to be damaged. I also request that instead of NCC sending me the proofs that Im requesting I would rather they attach with their response to this complaint.
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP (TN)

My payments are being made as they wised. I only owe a little over 1000k $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.
Consumer complaint received 2018-03-22
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. (CA)

Dear XXXX  XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Consumer complaint received 2015-08-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Arcadia Holdings, LLC (PA)

Caller ( Ph # XXXX ) claimed to be with Arcadia Recovery Bureau, asked for me by name, then asked for my birthdate as a verification. Caller refused to disclose the nature of the call unless I furnished her w/ my birthdate. I terminated the call. I have no knowledge of the agency named, but it 's evidently a collection agency. I 've no knowledge of any debts that would have been given to such an agency.
Consumer complaint received 2016-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX broke there contact at that point in time never gave me notice of the change It went from {$89.00} each month to $ XXXX each month + they would add channels or remove channel and I never asked for there for I canceled.. I 've had several collection offers from $ XXXX there fore I elect none they ca n't get it right i owe nothing and want it off my credit score thanks XXXX XXXX
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (LA)

On XXXX XXXX 2017, I signed up for ongoing credit monitoring services with Experian.coms XXXX XXXX product offering. <P/>On XXXX XXXX 2017, when I still had only basic user access, I sent in correspondence notifying Experian.com of a legal name change. This was separate/in addition to following the standard credit bureau disputes process given that the XXXX XXXX product is maintained independently. It is now 30 days later and after multiple calls with their customer service team and assurances that the change was previously processed, no change has yet been made to my customer account. I have now spoken with multiple customer service representatives going back to mid-XX/XX/XXXX, including two representatives on XXXX XXXX 2017 and two representatives today. Today also marks my third time sending faxed correspondence to Experian in regards to this matter, in addition to sending hard copies to their XXXX XXXX. <P/>Experian.com has made me jump through hoops to resolve what should be a simple update ; surely I am not the first customer they have had that has had their name changed. They cancelled my membership, made me sign up for a new account, and work with them over the phone to re-do the identity verification process, all to no avail. As of today, they are no longer able to access any data tied to my Social Security No., since by the representatives own confession, we must have XXXX something up. <P/>I have spent at least eight hours with them to update this information. I would have given up already if I didnt see so much value in their product. Experian.coms customer service representatives have consistently been easy to interact with and completely willing to help, but it seems they are misguided and being held back by the back office teams disorganization or lack of follow-up.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX  XXXX Balance : {$34.00}.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BMO Bank, N.A. (IN)

The bank charge me an NSF fee then returned the transaction after saying they paid it. when I contacted the bank they told me that it wasn't their problem and returned a portion of the fee telling me that I should try to be more cautious of how I Bank.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I stated that numerous inquires and accounts that were on the report were not mine and I had no knowledge of these accounts and inquires, I was told that there was nothing that could be done and I would have to wait two years for the inquires to be taken off, or to call one by one and have them removed, I stated that i cant have an account removed when i did n't have one to begin with was told that there was still nothing to be done.
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I have a problem with ; CHASE My mortgage account with them is XXXX XXXX My XXXX 2017 mortgage payment was due XXXX 2017. The terms of the note allow 15 days from the due date to make a payment without penalty. 
On XXXX, 2017 at XXXX local time from Hawaii, I went online to my account with Chase and made the required mortgage payment. The payment was made within the allotted grace period time. 

They charged a late charge anyhow. 

I asked them to remove the late charge. 

1 ) They sent a letter to me refusing to remove the late charge 2 ) They sent a letter to me that assigned a dedicated relationship manager to the account with a " direct contact '' phone number. The letter is a lie. No direct contact number is provided. Only a general phone number in which I am forced to listen to a voice menu of five minutes in length. Despite repeated attempts to reach the " dedicated '' relationship manager I have remained unsuccessful. 

I want ; 1 ) A written apology 2 ) A reversal of the late charge 3 ) Reimbursement for the loss of my time 4 ) An investigation into the practice of assigning nonexistent relationship managers and the deliberate lying practice of assigning a " direct phone number '' when no such number is provided.
Consumer complaint received 2017-06-10
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. (MS)

I have submitted documents on many occasions as well as submitted many disputes with supporting documents, and they will not remove the items or correct my credit report. There are duplicate entries and I will show these accounts as they are same account, as well as others they are ignoring I have submitted based on FTC affidavits.
Consumer complaint received 2019-02-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

1. Portfolio Recovery Services ; re : XXXX  XXXX XXXX  calls me on average 3-5 times daily 7 days a week beginning at about XXXX XXXX up until about XXXX XXXX  at night. 

I've been able to use a call blocker on my cell phone to minimize those calls. 

2. Today XX/XX/2019 @ XXXX XXXX after trying to reach me, they called my wife on her cell phone. They asked for me, and told her they were a debt collector, though they did not say for whom, nor did they identify who they were. 

I have requested verbally to them that they stop calling me. They still call, except now they are calling my wife as well. 

I owe XXXX XXXX some amount of money, though we disagree on the exact amount. I don't deny that. But when I had the card I was running a viable, profitable business. That business died on the vine, and my wife and me are left with only {$1600.00} per month social security to live on. I am XXXX XXXX XXXX, and not a lot of companies are interested in hiring me to go to work, so, I frankly do not have the extra money to pay this debt right now. But at some point I will, and when I do, I will pay them.
Consumer complaint received 2015-12-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TX)

My mortgage was sold to Vanderilt Martgage and Finance. The new service company has raised the escrow requirements twice in less than 30 days. I called them to discuss it and their answer is " there is nothing we can do about it ''. I asked to have an analysis completed and allow me to talk to the analysis manager. I could not get past customer service. They are increasing the escrow for an extra month.
Consumer complaint received 2022-03-29
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: WELLS FARGO & COMPANY (OH)

XXXX XXXX XXXX has failed to assure me 100 percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. XXXX is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( a ).