davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX  Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due  process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed a bankruptcy on my credit report for a few months now. I disputed with the 3 main credit bureaus and with XXXX. I have attached paperwork received from XXXX after I wrote them and the paperwork states they were unable to verify the bankruptcy as mine and removed it from my credit report. TransUnion still is reporting it and has yet to explain how they are verifying this as mine. This should be deleted from my file.
Consumer complaint received 2020-11-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IL)

On XX/XX/XXXX2020 I received several alerts about a new collection account that was added to my credit report from I.C System from a cable bill/company XXXX. At the time I was not familiar with the debt because I had never received anything in the mail from them. When I called them on XX/XX/XXXX2020 they told me that they did not have to send me anything because XXXX sent me a bill in XXXX. 

I told them it is my understanding that I should have received something from them via mail or a phone call even. I confirmed my name and contact info and requested that they send me something in the mail. I received my first letter from them on XX/XX/XXXX2020 which was 13 days after it posted to my account and 11 days from the original/first letter that they sent to me ( dated XXXX/XXXX/2020 ). 

After I received the letter I called on XX/XX/XXXX2020 and spoke to XXXX employer ID XXXX and he told me that they attempted to send letters to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX but all of them were cancelled and never mailed out because of COVID. I then asked them how were they not able to mail me any to validate the debt but was able to send me to collections and he said because it was a different department. 

We that being said, per the FDCPA I didn't ; receive my letter until XX/XX/XXXX2020 which was 13 days after it posted to my credit report. That is a violation
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX Upon reviewing my prior CFPB disputes and reviewing my updated consumer reports. 
I noticed that there are still some items reporting on my consumer reporting inaccuracies Wiith my student loans Please see the following accounts below : US. Dept of Education account # XXXX - Balance - {$8.00} - Status- ( Paid ) U.S. Dept of Education account # XXXX - Balance - {$2.00} - Status - ( Paid ) US . Dept of Education account # XXXX - Balance - {$12.00} - Status - ( Paid ) U.S. Dept of Education account # XXXX -Balance - {$2.00} - status ( Paid ) There are three other XXXX  loans where are reporting inaccuracies as well. 

Please see supporting documents
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Account Resolution Corporation (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX XXXX XXXX XXXX XXXX., XXXX U.S. XXXX, XXXX. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. XXXX, XXXX XXXX XXXX XXXX Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2021-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I deposited 3 checks totaling {$33000.00} at XXXX XXXX  on XXXX XX/XX/2021 at a Navy Federal branch location with a Member Service Reperentative. The bank teller informed me there would be a 2 business day hold on {$33000.00} of the deposited funds. The deposit receipt clearly indicates the same, and says " {$33000.00} will be held from your total deposit and will be made available for withdrawal after 2 business days (XX/XX/XXXX ) ''. 

I called Navy Federal on XXXX XXXX and asked them why my funds were still not available. They informed me they extended the hold time to 5 business days, and my funds would not be available until XXXX XX/XX/2021. 

This is contrary to their posted " Funds Availability Schedule '' which clearly states " If your check deposit is made with one of our MSRs and we decide at that time to delay your ability to withdraw funds, we will tell you then. If we decide to delay availability of your funds after you complete your deposit, we will mail you a deposit hold notice by the first Business Day after we decide to take that action. '' I deposited my checks with one of Navy Federal 's MSRs, and was told they were going to delay the funds by 2 business days, not 5. There is no provision in Navy Federal Credit Union 's Funds Availability Schedule that allows them to change the hold time for an additional 3 business days. Additionally, I have yet to be mailed a " deposit hold notice '' as their own policy clearly states.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Today, XX/XX/XXXX, I attempted to use my Citibank credit card that I have had since XXXX and it was declined. I spent 3 hours+ on the phone with three different people at Citibank , trying to get an explanation. My account was suddenly closed today, with no warning, and all they would tell me is that I would be receiving a letter to explain why. That's it. 
I verified that they had received my most recent payments of {$500.00} each on XXXX and XX/XX/XXXX, so it was not due to nonpayment on the account. I went online to their site and found returned check fees of {$35.00} each on XXXX, twice on XXXX, XXXX, twice on XXXX, and again on XX/XX/XXXX. I had maintained autopay for years for this account but by my records, I had called and cancelled autopay on XXXX. I had been a victim of identity theft on XX/XX/XXXX and the account the autopay was deducted from was frozen at that time. Therefore, I cancelled the autopay and used the Bill Pay feature at my bank to make the payments. Citibank says the autopay was never cancelled. While I was on the phone, and was looking at my account online, it said it was cancelled, however, the last representative I spoke to said he was " cancelling it now/it was scheduled for XXXX ''. I feel like Citibank is defrauding consumers and I want these charges removed from my account. I'll accept the account being closed, because even though I have been a loyal customer since XX/XX/XXXX, I am done with them after how they have mishandled my account. 
Thank you.
Consumer complaint received 2020-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2020-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a mortgage with Citizen 's Bank for a vacation home in XXXX XXXX New Jersey. Taxes are paid there quarterly. Citizen 's is escrowing for taxes and not paying them. I called the XXXX XXXX tax office XXXX on XX/XX/2020 and was told Citizen 's Bank needed to submit a bank code. I spoke with XXXX at Citizen 's Bank tax office XXXX and was told it was under review. I called XXXX XXXX at XXXX tax office on XX/XX/2020. He said they had not received a bank code from Citizen 's Bank still. Called CB again on XX/XX/XXXX and was told they still hadn't paid taxes. I ended up paying the third quarter tax bill myself. Now my fourth quarter tax bill is due XX/XX/XXXX and CB still has not paid the bill and said they have an extension which is untrue. They have 10 day grace period but they don't even acknowledge receiving the tax bill which I uploaded to them on XX/XX/XXXX.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to formally file a complaint against Experian, one of the leading credit reporting agencies, for multiple willful violations related to the reporting of my XXXX XXXX XXXX XXXX  account on my credit report. I believe Experian 's actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act. 

Incorrect Reporting of XXXX XXXX Credit Card : Experian is inaccurately reporting my XXXX XXXX credit card with a charged-off status and a past due balance of {$580.00}. Furthermore, the payment history section of the report indicates monthly charge-offs, providing incorrect and misleading information about the timing of the charge-off. This practice violates FCRA regulations, specifically 15 USC 1681, which stipulates the accurate reporting of credit information. 
Unauthorized and Misleading Reporting of Payment History : Experian is displaying {$0.00} paid each month after the charge-off, along with a continuous representation of the charged-off balance. This not only breaches the FCRA but also infringes upon my privacy rights as per the Privacy Act ( 5 USC 552a ). All payment history is private information, and I did not provide authorization for such sensitive data to be disclosed in this manner. 
I am deeply concerned about the impact these inaccuracies may have on my creditworthiness and financial standing. I request the Consumer Financial Protection Bureau to conduct a thorough investigation into these matters and take appropriate actions to rectify the inaccuracies promptly.

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies and relevant legal provisions. I trust that the Consumer Financial Protection Bureau will address this complaint with the seriousness it deserves and ensure the accuracy and fairness of my credit report.

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2018-07-23
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. (MI)

I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX {$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} balance
Consumer complaint received 2018-04-03
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Dates : XX/XX/2017 XX/XX/2017 XX/XX/2017
Consumer complaint received 2018-04-03
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: SYNCHRONY FINANCIAL (TX)

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Dates : XX/XX/2017 XX/XX/2017 XX/XX/2017
Consumer complaint received 2022-08-12
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. (IL)

I have reached out to XXXX 7 plus times into getting information on how my account XXXX came to reflect such information XXXX is reporting first day of delinquent XX/XX/XXXX on XXXX and first day of delinquent on XXXX XX/XX/XXXX which are both wrong this account went delinquent on XX/XX/XXXX when I ( COMSUMER ) closed the account without payment and never contact XXXX again to make any payment or any payment arrangements or gave my consent to update any payment info on said account. 

I am not asking for clarification on who owns the debt ( XXXX  ) I am asking XXXX  how did my account change from XX/XX/XXXX closed by consumer with no payment made all of sudden current from XX/XX/XXXX all the way up to XX/XX/XXXX or XX/XX/XXXX with on time PAYMENTS being report to Credit bureaus with out me requsting such change how is this possible? 

I also asked XXXX  who made these payments being reported and what method of payment used to make payments? 

even after XXXX admitted to making mistake on reporting information that they certified to credit beaures was accurate and was not still refused to removed account after countless flip flop of infomation! 


these is my last attempt to get information from XXXX  on how my account came to this satus... I will wait for XXXX  to respond before I file my case in court maybe if the XXXX ask XXXX  and clear it up.because XXXX has not been able tell me how these changes came about on my account.
Consumer complaint received 2018-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have attempted to payoff my mortgage with Shellpoint Mortgage Servicing. On XX/XX/XXXX. My bank, XXXX XXXX, will not send an epayment of over {$50000.00}. On XX/XX/XXXX and XX/XX/XXXX, I sent five payments totaling {$240000.00} which was the payoff amount as of XX/XX/XXXX. 

On XX/XX/XXXX, I reviewed my loan on XXXX 's website, and determined that payments were not properly applied. I called XXXX 's customer service, and that the customer service representative told me that the issue should be resolved by XX/XX/XXXX. In addition, I had also sent an email to XXXX through their website. 

Per review of XXXX 's website on XX/XX/XXXX, XXXX only applied {$140000.00} to my mortgage and that I had a balance remaining of {$95000.00}. I called customer service again, and they said they had no records of the payments, and I asked that I send bank statements supporting the payments. I faxed over XXXX XXXX bank activity, and confirmation from XXXX XXXX that the 5 payments of {$240000.00} had been sent. XXXX 's representative told me that the issue should be resolved quickly. 

I reviewed my loan on XXXX 's website on XX/XX/XXXX, and the issue still had not been resolved. I again called customer service, and they again said they had no record of the payments. I elevated the issue to the supervisor and was directed to a voicemail. I left a voicemail, and have not been contacted.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America continues to take people 's money by letting it go into limbo between the customer and the banking systems. This is a common issue is what I was told by the customer service rep on XX/XX/2018. This isn't right. This bank is stealing money. I'm just one person but I hope this comment can start some type of investigation into this. This bank isn't being fair to the public. Yes, my issue was resolved but I had to spend days and hours doing investigation work myself with watching transactions and taking screen shots to get my issue resolved. This isn't right. No one should have to go through this.
Consumer complaint received 2020-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (IL)

midland funding. i kept disputing this because the information and the date that was open and i never had no midland funding never applied and never heard of it. i was not even around when it got open.