davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the fair Credit report act the accounts XXXX XXXX : Account number : XXXX below has violated my rights 15 U.S 1981 section 602 A States that I have the right to privacy. 15 U.S 1981 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I am writing because you are reporting the following accounts without my permission which violates 15 USC 1681b. I am writing because you are reporting the following accounts without my permission which violates 15 USC 1681b. Until you can produce a contract between you and I, XXXX XXXX bearing my signature, showing that I gave you permission to furnish any information on my behalf, I am demanding the following accounts be deleted from my consumer report. 

Continuing to furnish this information in the absence of any such documentation bearing my signature, you are subject to criminally liable pursuant 10 15 USC 1691k.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint with Bank of America on XX/XX/2021, about a XXXX fraud. I also filed a complaint with IC3 Internet Crime Report, and FTC Federal Trade Commission report number XXXX. I also made a police report with my local authorities. I waited for Bank of America to do its own investigation with no positive outcome. I just found out about CFPB, if not I would have reached out to you sooner. 
I XXXX  XXXX  customer service on my phone, and it gave me a phone number to call, stating that it was XXXX  company. I thought I was speaking to an XXXX representative. I spoke to a gentleman about fixing my XXXX. He said he can help me repair my XXXX over the phone, so I trusted him. He was very convincing, he told me that my phone was hacked and there was someone trying to get into my account, that's why my phone was not working correctly. He gave me steps to do over the phone to protect myself from being hacked into my personal account and my Bank of America account. He asked me if I have been to Florida I said no. And that the scammer was located in Florida. He told me to go into my account right away and press numbers in, to protect myself from the scammer. He told me that the only way to go was in my XXXX account and gave me numbers to press. That I had nothing to worry about. That was the only way to block the scammer. After I realized what was happening, I had sent the fake XXXX representative {$2400.00}. He told me not to worry, that the money was going right back into my account right away. Then I realized it was a scam when I didn't see it back into my account. I cant believe I got scammed out of {$2400.00}. I don't have much money and I feel so bad that this had happened to me. I am very upset with XXXX for allowing scammers on their website. It was the first website that appeared when I XXXX  XXXX  Customer service.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MN)

On XX/XX/XXXX I submitted a compliant against Resurgent Capital Services LP CFPB case number # XXXX. Resurgent Capital LP indicated in their response to my previous complaint that they would submit for account # XXXX negative Tradeline to be removed from all three of my credit reports on XXXX of XXXX please review attachment sent, however the negative account has continued to be report onto all three of my credit reports.
Consumer complaint received 2018-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Auto Credit of Southern Ilinois (IL)

I purchase a vehicle XX/XX/XXXX also purchased the gap/repair Extended warranty : on XX/XX/XXXX ( Abs ) brakes system all wheels lock up 1st sign of of ( faulty ) engine. Check ( engine ) light comes on as well. 2nd sign faulty engine the van starts this jerkying and stalling while driving this is all going on within a years time. About XX/XX/XXXX the van does not starts or drives its just stops running. I asked if gap/repair extended warranty can be used to repair or replace the engine problem!!!! What are my rights as a consumer and customer concerning The LEMON LAW!!! They never responded back since I asked them to replace the vehicle or repair the vehicle!!! I surrendered, and gave the vechicle back. Then they said they repossessed it and reported to my creditors!!! I paid {$6100.00} they said I still owed {$7000.00} I feel I was robbed out of my money and a vehicle that doesnt work!!!! Does the LEMON LAW REALLY WORK!!!! They took advantage of me and my wife. They failed to issue me a trade value. Also failed to give me a replacement value. This was Auto Credit XXXX, Il XXXX ( XXXX or XXXX ) also mangers were involved!!!! They knew the vehicle was not working I told them their response was its not our responsibility for engine problems take it to repair shop. The extended warranty was paid since the start of contract!!!! I signed up for it in the paperwork!!!!
Consumer complaint received 2018-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

I recently was discharged from chapter XXXX bankruptcy we were in for almost six years. We filed bankruptcy because we were in over our heads and I was not working a steady job. I am now working a steady job and have just enough money to pay the bills and raise XXXX kids who are both in school .today I received a letter from navient saying they bought a loan and I owe XXXX and I have to start paying it this month I can not do that or I'm going to be in the same boat I was in before ... I was under the impression that thus was all being taken care of seeing as how our lawyer XXXX while during the bankruptcy and we couldn't afford another on to ask questions so this loan is from XX/XX/XXXX and it is now XX/XX/XXXX I quit the XXXX   because my mom XXXX and then my father I couldn't handle it I did not pursue the career or receive a degree I do not feel that this is fair I told navient I had XXXX dollars in the bank and they said would you like to make a payment today I'm going crazy I've clawed my way out and now their pulling me back in I can not pay this.
Consumer complaint received 2019-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted all three credit bureaus to have hard inquiries removed that I when I did not authorized and XXXX remove all unauthorized hard inquiries / investigation but TransUnion and XXXX did not remove the same inquiries that XXXX removed that we're all fraudulent I've been working on this for the last 5 to 6 months prior to that the last few years and all of the hard inquiries were for car lots that someone found an old state identification card that I lost try to obtain a car loan and also receives over {$6000.00} and cellular service from XXXX and XXXX. They are not removing these inquiries. I was told that I have to write a single letter for each inquiry instead of one letter with all of the inquiries on it. I have also informed all the credit reporting agencies of various addresses and various last name on my credit report that do not pertain to me I've asked them to be removed and to my knowledge the only reporting agency that removed the addresses is XXXX
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK (IL)

I recently became a XXXX XXXX leader along with another woman, and went to TCF bank XXXX XXXX XXXX # XXXX on XX/XX/2019 to have the existing XXXX XXXX XXXX  account transferred to myself and the other new leader and to have the former leaders removed from the account. We answered questions, showed ID, and filled out paperwork and were told at the branch that the retiring leaders had been removed and that myself and the other new leader were now the holders of the account. 

On XX/XX/XXXX and again on XX/XX/XXXX the former holder of the account, who is no longer an authorized user, received mail regarding the account. On XX/XX/XXXX XXXX called TCF at XXXX to advise them that they were sending mail to someone who is no longer an authorized user on the account. I spoke with " XXXX '' ( teller # XXXX ) who refused to update the address over the phone even after I stressed that by failing to do so they would be sending my financial information to an unauthorized third party. Because I work full time I will be unable to visit a branch in the near future.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MA)

I have a discover it credit card, On XX/XX/2019 they closed my account because of not enough personal information. But I faxed them three times my ssn and my driver license. They called me the last minute  saying that they cant see my driver license because of too blurry. I am going to fix it in few days, but they closed it.
Consumer complaint received 2021-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (GA)

Please see my letter to Flagstar Bank below. They are either incompetent or deliberately trying to get people on forbearance to foreclose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX -- - Flagstar Bank Loan # XXXX Today we received your letter dated XX/XX/XXXX saying my hardship mortgage modification application is STILL incomplete even though I uploaded EXACTLY what XXXX told me to send on XX/XX/XXXX. Today, XXXX in your hardship department asked me to write this letter explaining my income. 

I am a XXXX XXXX. I am paid at the end of each transaction which are few and far between due to the Covid Pandemic. This is not a regular paycheck, and it comes when a house closes. This should not be news to the home mortgage industry. 

Your application requests a monthly income amount. Due to my income being unpredictable, irregular, and varied in the amounts, I averaged my total income for XXXX and divided by 12 to get the {$1600.00} per month and I put on the application. Makes sense, right? Right? 

Today, XXXX belatedly informed me ( after you terminated my application on XX/XX/XXXX ) that you are looking for the income from the application to exactly match the last 90 days of bank statements. This is news to me even though I have been in constant contact with your Hardship Department for weeks. No problem. {$4700.00} from one transaction in XXXX and ZERO from XXXX and XXXX, divide by three and we get {$1500.00}. 

PLEASE if you do not understand this CALL ME. XXXX I know you have the number. 

I have turned in every document, check stub, bank statement, letter, P & L, I will give you my shoe size if you ask for it. 

Your many letters advising me of an incomplete application are taking over a week ( sometimes two ) to reach me and come whether I turn in the documents or not. Why dont you ask for everything at once, on one letter at the beginning of the application process instead of looking for it piecemeal at the end? You could have asked for this particular thing when I first uploaded the bank statements back on XX/XX/XXXX. Why wait 21 days and do it in excruciatingly slow snail mail? 

When a document missing or not good enough why wait until its too late to ask for it in a letter dated XX/XX/XXXX and terminate my application three days later? Do you REALLY want this house back? Now that its worth $ XXXX more than I owe on it I wouldnt be surprised. Maybe the Federal Bureau of Consumer Protection would be interested in these practices. Is it incompetence or something worse like in XXXX? 

CC : Federal Bureau of Consumer Protection, Senator XXXX XXXX, Senator XXXX XXXX Senator XXXX XXXX, Representative XXXX XXXX.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-02-07
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. (OR)

After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX   reporting this line once again when there is no way for me to satisfy.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (GA)

There was no notification from Nationwide to collect debt and they posted a derogatory medical collection remark on my credit report in XXXX. 

Additionally, I have not provided my social security number to any company since the past 4 years. 

The collection is in violation of Fair Debt Collection Practices Act.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-01-23
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. (TX)

XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY remove it this is correct : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2021-11-09
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: Onity Group Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX credit report. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (TX)

I noticed that late payments were showing on my credit reports. By law debt, collection agencies can not report late payments. Please REMOVE all inaccurate information from all 3 credit reports and stop reporting late payments. I never signed a contract with you for payment arrangements. 
Also, I noticed that my balance keeps increasing each month. Can you send me documentation that you can legally keep increasing the debt you have reporting on my credit report? I also would like a copy of the original documents with my signature and the amount the vehicle was sold for that is deducted from the amount you claim that I owe. If you can not provide me with this information please remove the inaccurate reporting from my credit reports immediately.
Consumer complaint received 2018-02-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OH)

I spoke with a representative from XXXX XXXX, XXXX and requested them not to contact me by phone. That was XX/XX/XXXX. The very next day, I received two separate calls within five minutes from XXXX XXXX, XXXX. I did not answer. On XX/XX/XXXX, I received a call from XXXX XXXX, XXXX. I again informed the rep that they are not to contact me by phone. I have already fought this company on their bogus claims in court and won based on their inability to prove that they own debt in my name. Also, it is past the statute of limitation. The rep I spoke with on XX/XX/XXXX mentioned various times that due to the age of the debt, they would not pursue the issue in court. They have also re-aged the debt with at least one credit bureau and indicate I have a " Major Delinquency First Reported '' amount dated XX/XX/XXXX. I have never conducted business with XXXX XXXX, XXXX, therefore I can not have a delinquency with them.
Consumer complaint received 2022-12-14
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 (GA)

I saw XXXX XXXX XXXX back in XXXX. He told me, that I was a candidate for the XXXX. I was very excited. I took time off and made preparations. I made my down payment as I was told to do in advance. Plus my payment plan for {$1000.00} a month until my balance is paid in full. The day of the XXXX, the doctor says that I'm too XXXX and can not to the XXXX, I need to find a hospital to do it. And someone from the office will be in touch with me. It's been XXXX months, I have called, texted and emailed. NO ONE has returned my call from my refund. They will not return my money. The doctor even said that I would get a refund. They have blocked me on social media. They will not answer my calls. They will not return my money. I
Consumer complaint received 2021-01-29
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: SYNCHRONY FINANCIAL (CA)

I am writing to notify you that I disputed this alleged debt with CareCredit and I am submitting a complaint about one of the providers that signs customers up for CareCredit cards. 
This alleged debt is associated with a dental visit on XX/XX/2029 Before my visit I made sure that the provider accepted XXXXXXXX ( XXXX XXXX  ). During this visit, employees at the dentist office signed me up for CareCredit while I was sitting in the chair, by giving me an XXXX. They did not explain to me that this was an account with deferred interest, in which I would eventually have to pay the interest. They also did not give me notice of my treatment plan before signing me up for this account and didnt notify me that part of the treatment would not be covered by my XXXX. I understand that these practices violate California law. Specifically, Business and Professions Code Section 654.3. 
This is the kind of conduct that was the subject of CareCredit'sXXXX consent order with the federal Consumer Financial Protection Bureau . CareCredit was supposed to change their practices and properly train and monitor your providers to stop misleading consumers. However, these unfair and deceptive practices are continuing. I did not receive the service I was billed for I contacted CareCredit 's dispute resolution they did a rubber stamp of the offending fraudulent dentist 's narrative. This is absolute fraud not a misunderstanding I contacted Dispute Resolution 4 or 5 times each time they asked me for no information and totally relied on their assignee. 
Furthermore, I did not receive all of the care for which the dentist billed me. This is another reason that I dispute this alleged debt.
Consumer complaint received 2020-01-24
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)

Apparently my information was used to obtain a cellphone and rent an apartment because its showing on my credit report which I have never had or lived anywhere near these places. One is for XXXX  in collections by a company by the name XXXX XXXX and the other is XXXX XXXX XXXX. I have reached out to these companies and it seemed to go in one ear and out the other because they didn't offer me any resolution other than contact credit bureaus. Please help.
Consumer complaint received 2020-01-24
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. (FL)

Apparently my information was used to obtain a cellphone and rent an apartment because its showing on my credit report which I have never had or lived anywhere near these places. One is for XXXX in collections by a company by the name XXXX XXXX and the other is XXXX XXXX XXXX. I have reached out to these companies and it seemed to go in one ear and out the other because they didn't offer me any resolution other than contact credit bureaus. Please help.