davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, tx XXXX is falsifying amounts owed after move out to sell to national credit systems for personal profit. they still attempted to collect payment even after the account was sold. i provided documentation i gave my XXXX  days and vacated the unit and the offices response was to add an additional XXXX XXXX to my outstanding balance. they are acting outside the terms of the lease agreement and are doing so with intent. this falsified debt has already hit my credit report and the XXXX  company is not attempting to remedy the inaccurate information.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Unauthorized purchases totaling { {$30000.00} } we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XX/XX/XXXX of XXXX. On XX/XX/XXXX, Bank of America denied my request for provisional credit.stating the card will simply be reissued seen on my Cfpb account On XXXX of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any edd payment or provisional credit. On XX/XX/XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted as I dont think actually happened as Bank of America made a decision within 10 days of me filing a dispute.There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their XXXX benefits. They tried to tell me I have to confirm my identity after I just got the new card because I wrote the company my phone died talking to escalations they made it very hard to place the claim a XXXX XXXX finally came in the mail today and I dont want to activate it online due to not getting it last time and last time somehow it was activated and used its been mail theft and internet theft in my area and Im pretty sure this is what happened, I have the new card and still cant get help, this is due to me telling them I contacted the Cfpb about true matter l they asked me to verify myself due to not having a card this is pretty crazy I got the card now still attached in the envelope. I been going through XXXX for the last 3 years trying to figure out why I cant get help please help
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My mortgage was sold to XXXX on XXXX/XXXX/2015. It started out they did not pay my town taxes and insurance. The escrow balance grew to XXXX. I was getting delinquent notices from the town hall. I would try and contact the company via customer service and they were rude and would not call me back. They stated that it was paid and nothing was wrong. I contacted the CFPB and the OCC opened a case. I received letters from XXXX stating it would be corrected and that my request to waive the escrow account would be granted. I also received a letter from OCC stating the issue should be fixed and if any problems to write again. 
There was an issue when I paid my mortgage on time and received a letter stating I was past due. XXXX had put my entire mortgage payment into the escrow account and said I was delinquent. This was finally fixed after my second letter to OCC. I have at least XXXX pages of documentation regarding this entire ordeal. 
I applied for a credit card two weeks ago and disputed the rate they gave me due to the fact that my XXXX credit scores were in the XXXX 's when I closed on my mortgage. I looked at my credit scores and they all have fallen significantly. All due to a late payment that was incurred due to XXXX error by putting my payment into escrow and not paying the mortgage with it. This company has been absolutely negligent when it comes to customer service and now my credit report has been damaged. 
I am unable to upload all the correspondence, I can copy and mail any paper work needed.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have ( XXXX ) Derogatory - CLOSED accounts with XXXX. Each account represents a small student loan that was taken out several years ago. These accounts were purchased last year by XXXX, who I am currently in good standing with. TransUnion is reported an XXXX-point deduction from my credit score for each one of these ( XXXX ) accounts that were with XXXX. I have been working over the last year to repair my credit as I am trying to purchase a home for my family. XXXX points is life changing. This amount of points being deducted from my credit score for loans with a single lender that have since been satisfied does not seem like a " fair '' credit reporting practice. I have contacted XXXX and TransUnion to discuss this matter and work toward resolution. Both institutions told me there is nothing that I or they can do to remove or even adjust this massive point deduction. The CFPB is my last hope. Is this something that you can help with?
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Date Opened : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX/CELLULAR Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Payment Received : {$0.00} Last Payment Made : XXXX/XXXX/XXXX High Balance : {$170.00} Account should be removed from my report, original date of account was XXXX. 


Pay Status : XXXX ; Account Paid in Full ; was a Collection XXXX ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR ; XXXX SETTLED-LESS THAN FULL XXXX & XXXX ; PAID COLLECTION XXXX;
Consumer complaint received 2015-08-03
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focused Recovery Solutions, Inc. (VA)

I disputed a medical bill on my credit report. i disputed it with the credit bureaus and with the collection agency who reported the bill to the credit bureaus. in attempting to verify the debt, thr collection agency sent me an itemized list of medications with a total that was well below the total they claimed that I owed and haphazardly used and shared sensitive and private medical information in the process. I sent the collection agency another letter of dispute, and also disputed the information with the credit bureaus again. HOWEVER, the credit bureaus have marked the bill as verified and are no longer allowing me to dispute the bill with them, due to the fact that they have already " investigated and verified the debt '' but can not disclose the sensitive information that proves the debt has been verified.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been 3 months since I accessed my credit at XXXX and discovered that Transunion has placed XXXX accounts on my credit that are not mine. I have contacted them 6 times to date and I have been ignored and the XXXX accounts still remain. 
Please assist me in reaching out to them and have the errors deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

I am having an ongoing issue with ditech, just checked my bank statements from 2015 ditech never sent a check in the amount of XXXX, it was actually XXXX. I am tired of the run around from this company. I will now be sending a complaint to HUD. Even from their own statements you can tell they are ripping us off with the escrow. This is not a new loan. I will be attending a forum Wednesday hosted by the nonprofit business alliance for a sound economy. In attendance will be Senator XXXX XXXX, Rep. XXXX XXXX, Rep. XXXX XXXX and Rep. XXXX XXXX. At that time I will be showing all taxes statements from ditech along with the emails they have sent me.As you can probably tell they will be discussing homeowners issues. If I was ditech I would have a representative there.I will not stop until they give me my money that is owed that they stole from us through escrow.In North Carolina it is against the law to fudge tax statements.And XXXX XXXX the paralegal from ditech needs to go back to school and learn how to do an escrow. As does most of the people that I talked to from ditech.
Consumer complaint received 2015-10-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLA Collection Company, Inc. (FL)

I recently checked my credit report and discovered that this company reported that I owe them but I have never received prior notice that I owed them. My right to validation was not afforded to me under the FDCPA before they reported it to the CRA
Consumer complaint received 2022-09-05
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: Neighborhood Capital Funding, Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX Account 1. Affiliate Mortgage Services {$1400.00} XXXX XXXX. Dept Of ED/XXXX/XXXX  {$1900.00} {$2000.00} {$2300.00} XXXX 3. XXXX  {$100.00} XXXX 4. XXXX {$500.00} XXXX 5.XXXX  XXXX {$1200.00} XXXX 6.XXXX  XXXX XXXX {$6500.00} XXXX has violated my right. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AR)

My husband and I refinanced our home in XXXX, 2015. The former mortgage company was Green Tree. Since then we 've gotten several letters and phones calls from them regarding different things from insurance nonpayments to today 's call saying that we owe the XXXX payment plus other charges that were n't named. On their own website it shows that we have a balance of XXXX but they state that 's inconsequential and incorrect. The conversations have become increasingly rude. I 've had my mortgage broker call on my behalf but they tell him one thing me something then my husband something different again. 
Previously, they failed to accept the cancellation of my homeowners policy so they paid XXXX policies for a year and a half leaving my escrow several thousand in the negative. I had to deal with that myself with no help from them. Next, they are hounding me for XXXX 's payment that I do not owe and are being rude. Why would they tell us an incorrect amount for payout? Now they are threatening to make the escrow balance even less and therefore me owe them more by paying the taxes that are due even though we have paid off the account. UGH! The woman on the phone seemed to think she was being tough or threatening by stating that the account was still open and we still owed money. Please help! THESE PEOPLE ARE HORRIBLE! THE ONLY GOOD NEWS HERE IS THAT WE HAVE MOVED ON TO ANOTHER COMPANY!!!!!
Consumer complaint received 2023-03-28
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. (IA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX and Equifax.
Consumer complaint received 2021-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I as of late sent a question letter to TransUnion, XXXX, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one of the other Department. The explanation I'm documenting this grievance against them is that Government Law expects them to react within 30 days yet they have neglected to react.
Consumer complaint received 2022-08-06
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. (SC)

I went to the XXXX dealership XXXX and XXXX of XXXX look at a car. After that tons of inquiries started showing up left and right. I don't know what's going on. I filed complaint on XXXX XXXX. website. 


The report reference number is XXXX. Thank you for taking the time out for me. Have a blessed day
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the Trans Union Credit Bureau because I pulled my credit report and found that there are blatant misspellings of my name, and incorrect names, and addresses, and places of employment on my credit report. I sent in DL, SS card, and a utility bill. I have made multiple calls to the CB and they refused to update my credit report, they say that they are checking into it and would receive a letter back as it should close on XX/XX/XXXX but all I received was a letter stating more information is needed and to send the same documents that I have faxed 3 x. Along with faxing the letters and proof of identity, and address multiple times I am getting now where with them.
Consumer complaint received 2015-05-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (IN)

I am getting nasty calls and voicemails about someone I used to know years ago and their debt. They are telling me this person owes them a debt and asking me to pay it. They wo n't stop calling me and said that they wo n't remove my number from their calling list unless I track down the old college I used to work with.
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: STERLING JEWELERS, INC. (CO)

This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her XXXX at upsetting peoples day. I was at work and have a family to provide for. This is complete XXXX, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.
Consumer complaint received 2015-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (IL)

I have been a victim of Identity theft as a result several accounts were opened in my name .  I have sent a letter to the collection agencies letting them know the debt is not mine but they still report me negatively to the credit bureaus and claim I did not provide sufficient information to investigate.  I do not understand this I have sent them a letter letting them know I am unaware and have no knowledge of this account and it is fraud, in addition I sent the account information that is reporting on my credit report from MCM.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

XX/XX/XXXX - Purchase on PayPal Credit to XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX refunded PayPal Credit {$1000.00} XX/XX/XXXX XXXX XXXX  showed a double refund on my account XX/XX/XXXX - PayPal credit charged me back the extra refund as a PayPal purchase {$1000.00} XXXX XXXX XXXX PayPal ( non credit account ) put a negative {$1000.00} against my account. 
XX/XX/XXXX I spoke numerous time on the phone and by chat to both PayPal Credit ( who blamed XXXX for the oversight ) and PayPal non credit account who kept referring me back to PayPal Credit. 
XX/XX/XXXX I filed a complaint with CFPB against PayPal who responded on XX/XX/XXXX advising the negative balance they put on my account is because PayPal Credit didn't return their refund on behalf of my account. I have nothing to do with your internal funding and refunding of your account holders. Please fix your error
Consumer complaint received 2022-02-11
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: Experian Information Solutions Inc. (NY)

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MA)

I signed up for a Basic Firearm class on XX/XX/XXXX at XXXX with XXXX XXXX however, I was not able to get off work on time and called them to reschedule the class. When I called their number, it went to voicemail and they said to text the number they provided. I went ahead and texted the number and told them that I was not able to make the class on time and that I was wanting to reschedule for another time. They texted back and said I needed to pay the remaining balance before I could reschedule. I went ahead and paid the remaining balance and asked them how could I reschedule. After I paid the remaining balance, they stopped communicating back to me even after three days. At that time I called Navy Federal Credit Union to dispute the amount since the merchant ( XXXX XXXX ) failed to render services, was not communicating back to me, or confirmed a new date. NFCU issued a temporary credit for the {$140.00} until they investigated the issue. I provided them text messages proving that I had done all I could to remain in contact with XXXX XXXX but they were simply not getting back to me once they received their money. After their investigation, NFCU sided with XXXX XXXX claiming that they were willing to render services. I requested a copy of the document that XXXX XXXX provided to NFCU and found that they said I failed to show up to the rescheduled class. They never confirmed a new class date, sent me a link, or communicated any of that to me so I had no knowledge that they rescheduled me. XXXX XXXX is about a 40 min drive from me and with Covid restrictions, I was not in any position to make the drive and risk being turned away. XXXX XXXX also stated in the document they provided to NFCU that they sent me a link to a video however, I did not receive any link and partial service was not rendered. They provided fraudulent paperwork to NFCU and even though I tried explaining this to NFCU they still removed the credit from my account claiming that XXXX XXXX was willing to render services. These were all lies and NFCU should have done a better job at investigating. Not only was this fraudulent but also unethical from NFCU. I request that they be investigated and that the evidence regarding my claim be re-evaluated by another party. 

Should you need additional information please feel free to contact me via email at XXXX or via phone at XXXX.