davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Adjustment Service, Inc. (AZ)

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 U.N.C.I.T.R.A.L 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 2017-12-13
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. (FL)

My name is XXXX XXXX. Please make sure my name isnt an error because I noticed that and all accounts listed below in the attachment are RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the above account which i have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the account could not be verified, your company must delete & permanently remove the account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you are will faces charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate accounts that remained on my credit file. I dont have a vehicle and I dont own one so why are these accounts and inquiries appearing on my credit file as if I have a vehicle? I am unaware about any vehicle. All inquiries or accounts pertaining to vehicle must immediately be removed by law because it doesnt belong to me at all. Sincerely XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MI)

PayPal prepaid card was compromised and I was supposed to get a refund check for XXXX which I never received and PayPal has refused to re-issue the funds which they must also I have trying to reach out to them to resolve it but they haven't returned my letters or rebuttals to them have not been made I just was my money owed to me PayPal prepaid card is still responsible for my funds and all damages via agreement of service
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

My account has not balancing in lines with my bank Citibank. I can make a deposit of XXXX and the next morning the bank has my balance at XXXX. I called and tried to sort it out but I was not able to. Citibank is also changing the order of transaction to charge a nsf fund dee. Fir examples I cam have {$500.00} in my account and make a payment for {$130.00} to someone I am requesting an audit of my account. The money I have deposited does not add up to transaction processed.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

Hello. 

In the year of XXXX my condo in questions had a massive flood that was not fully covered under my condo insurance. I had to spend several additional thousands of dollars to have the property repaired to become livable. The property had mold and we could not live in the property during the repairs. We have a XXXX XXXX XXXX at the time. Due to this we fell behind and could no longer keep up with payments on the loan. XXXX mortgage was contacted to try to do sell the property to no avail. 

In XXXX, my mother suffered a XXXX XXXXXXXX that almost took her life. Since the XXXX my mother was not able to XXXX, not able to move the XXXX XXXX of her body and XXXX XXXX. In XXXX of XXXX, I moved to Texas to assist in caring for her during her rehabilitation. 

In XXXX of XXXX, XXXX XXXX started the process of a forecloser of the property. Then in XXXX of XXXX, the condominuim associate purchased the property with no objections from XXXX XXXX and the property was sold to the condomium association and certificate of sale was executed on XX/XX/XXXX. XXXX XXXX lost the property, and then filed again a filed a Notice of XXXX XXXX to foreclose on the property that was already sold and owned by someone else. XXXX XXXX sat on this for over 8 years and theConsent of XXXX XXXX of Foreclosure was finally executed on XXXX of XXXX. 

This forecloser process took XXXX years to process, hindering me to a speedy trial. This has caused me to suffer more than a 7 year penalty of a regular forecloser to be able to recover and try to purchase another home. Now, I am being penalized XXXX years, 10 years more than other forecloser clients, and will have to wait until XXXX to attempt to purchase a home. 

XXXX XXXX dragged this out to an extent that was well beyond the normal processing time. It was a lack of duty on their part to get this completed in a timely manner and I should not be penalized for the lack of effort on this foreclosure. Not only did they not object to the sale of the property in XXXX to try to recoop some of their funds, they also added 10 years of a penalty on me. Their lackluster work efforts on this should be known and I should not be subject to more than double the alloted time foreclosures affect people. In their document they advise that they will sell the property at a public auction, but not sure how they can do so if they no longer own the property. I feel there maybe some inaccurate representations and documentation in their forecloser details with the court.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-10-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MD)

XXXX XXXX  XXXX XXXX XXXX, XXXX, IN XXXX and Guaranteed Rate mortgage / XXXX XXXX  Company 1 corporate XXXX XXXX XXXX XXXX, ILL XXXX. 

The first problem is with Guaranteed Rate / XXXX  XXXX. I was never late with my XXXX payment which the center of all those follow on problems that have occur. 
Fact 1. Mail first payment to XXXX XXXX  at 1 corporate XXXX XXXX XXXX XXXX, ILL XXXX, XXXX of XXXX 2021, the mortgage payment was paid out of my checking account on XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX The first payment was on time and not late. 

Secondly, I was placed in a forebearance plan in XXXX until the disputes over mortgage payments could be resolved. 

Thirdly, the transfer team at Guaranteed Rate during the forebearance period charge me $ XXXX in XX/XX/2021 and XX/XX/2021 just before they transfer the loan to XXXX XXXX  XXXX I should not have been charged during the forebearance period. I need a customer service person from Guaranteed Rate or XXXX XXXX  to contact XXXX XXXX  with documentation stating those charges are removed and refund XXXX XXXX. XXXX Mortgage Fax : XXXX XXXX XXXX. 

Fourthly, the $ XXXX dollars should not have been charged to my account and XXXX XXXX  needs to refund me back my $ XXXX dollars immediately.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (SC)

On XXXX XXXX, I C SYSTEM added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer reliable for this account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send me a bill and say it's mine. According to the FCRA, I C SYSTEM has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2017-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

I paid my bill online with a bank and they showed that they received my payment. However, 30 days later I received notice that they never received my payment. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Consumer complaint received 2020-09-01
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: NAVY FEDERAL CREDIT UNION (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-04-26
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. (CA)

In accordance with the Fair Credit Report Act, XXXX XXXX XXXX - ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Has violated my rights. 


5 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

I opened this credit card ( The Children 's Place, XXXX XXXX ) in XXXX, and made a purchase. At the beginning of XXXX, my family contracted XXXX, I was the first. I was unable to move for several days, and became severely XXXX. I eventually had to go to the XXXX XXXX for help. We are a family of XXXX, and it took us 2  months to get through XXXX, with my husband also ending up in the XXXX XXXX. Needless to say, I was unable to pay any of my bills during this time. Thankfully, most of my other bills are on autopay, but this was a new card, and I had not had a chance to set it up. 

When I called, I have been charged 2 late fees. One of them was waived, the other I had to pay, even though this was due to a circumstance that most companies are being more lenient with. I told the representative that I wanted to just pay the full amount and be done with it. The representative took my payment and said the account had a XXXX balance. 

I sent a letter to the company, asking the late payments be removed from my credit report, as I am in the process of purchasing a house. It was denied, again, even though the cause of the late payment was XXXX related. 

I received a couple more statements in the mail, but did not open them, thinking they were just {$0.00} statements, as I had paid everything in full. When I opened yet another statement today, there were 3 more late fees added. 

I called and spoke with an incredibly rude customer service representative who then transferred me to a supervisor. The supervisor waived 2 of the late fees, and I had to pay an additional {$47.00} in order to again bring this account to XXXX  balance. I requested the account be closed immediately.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MO)

NCA has refused to validate the debt that they are reporting on my credit report. They have never sent me letters or emails telling me I even had a debt with them. We didnt find out until we started our home purchase. I tried to call and verify the debt and ask for a pay for delete just so I could get it off my report so we can move forward with our home purchase however they are refusing that as well. I have a letter that they agreed to delete an account for another person only AFTER they filed a complaint with the CFPB so this is my last resort at getting this removed from my report. Thank you for any help with this matter
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Ive requested an investigation multiple times in the year XXXX and XXXX but to no avail. My request has fell on deaf ears numerous times regarding issue. This account was charged off on the following date ( XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - XXXX In addition the following entities are claiming to both own the same debt by XXXX and XXXX XXXX who does not show up on my credit report but has made attempts to collect a balance on the debt theyve purchased. As you know, this shouldnt be possible and a violation of my rights. Because of this, the account needs to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately When the requested above deletions are made, please mail me an updated copy of my credit report
Consumer complaint received 2020-11-30
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. (OH)

On XX/XX/2020 and XX/XX/2020 I sent letters to XXXX  to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Consumer complaint received 2020-11-30
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: CORELOGIC INC (TN)

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2023-04-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

I took out a cash loan with Ace Cash express and was making payments. I fell behind and the account went I to collections with a company called XXXX XXXX XXXX. I was able to make arrangements to pay off the debt. Currently at this point in time the debt has been paid off and account is in good standing. I have received a paid in full letter from both Ace Cash Express and XXXX XXXX XXXX stating my account is paid and in good standing. However, I am now being harassed by a company that is claiming yo be a law firm with name XXXX XXXX XXXX ( XXXX XXXX ). They are claiming that they are representing Ace Cash Express and they are suing me for the debt as well as court cost. They are also claiming some sort of bank fraud as well. Stating that when I recieved my loan I withdrew the money and closed the checking account. I have told this company multiple times that I have spoken to Ace Cash Express and XXXX XXXX XXXX and both companies are stating I am in good standing and they also gave me pay off letters. XXXX XXXX does not care, and when I ask them to send me proof of debt they get aggressive and tell me its already been sent and at this point they have completed everything they need to by law. At this point I believe this to be a scam because this debt is not on my credit report and everytime they say they are serving me or that they sent me paperwork it never comes. However the harrasment is getting frustrating and they use new tactics everytime and I get caught off gaurd and it's very stressfull. This company ( XXXX XXXX XXXX ) also has my personal info, such as social and address and are OK with just handing it out.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been trying to resolve two issues with SunTrust Bank for over seven months. They are unresponsive to my inquiries, letters, e-mails, phone calls, faxes, and voicemails left. Promises of responses when they do follow up go unfulfilled. In response to a previous complaint that I filed with the CFPB, I received a message on the day that I filed it from XXXX XXXX of SunTrust Executive Services advising me that my case was assigned to a Case Manager, XXXX XXXX. Her message assured me that Mr. XXXX would be in touch with me within 15 days. I left a voicemail for Mr. XXXX who did not return my call. After 15 days elapsed with no contact from or response by Mr. XXXX, I called and left a message for Ms. XXXX. Ms. XXXX did not return my call. When leaving voicemails for both Mr. XXXX and Ms. XXXX, neither of their voicemail greetings advised that they were out of the office and/or unavailable. Anything you can do to compel SunTrust to respond to and formally address my issues would be appreciated since, it has become blatantly obvious, that SunTrust has little-to-no intention of responding to and resolving these these issues.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-04-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.