davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NJ)

Looking to repair credit and saw this dept collector on my report. I'm not sure as to what it is for or if it is even mine. I would like to receive a copy of the original contract, signatures, proof that you have the right to collect in my state.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: TRUIST FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX2022 the amount was XXXX Truist Bank XXXX XXXX XXXX nc my tax refund was sent to this bank which was confirmed by the irs .I dont bank with them but my tax Preparer does.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (FL)

This is my 2nd complaint to CFPB. Wrote to XXXX about reporting alleged debt to my account. They offered to validate debt but unfortunately was unable to validate debt and still no remedy. Details will be provided below. 
While disputing items since XX/XX/XXXX, as of date, 3 late payments were added to my account from XXXX which is also a violation. While validating debt, no late payments can be reported during an open validation.
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (NJ)

Looking to repair my credit and looked on my credit report and saw this collection agency. I'm unaware of any dept owed, what it's for. Haven't received any notices, copies of original contracts, validation of dept or signatures.
Consumer complaint received 2022-04-01
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Account : 1. XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiry : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This account is 7 years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX XXXX XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming XXXX/XXXX/XXXX.
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (OH)

Hello- We filed for forbearance through the CARES Act in XX/XX/XXXX due to our finances being impacted from COVID-19. We came out of forbearance on XX/XX/XXXX. We signed an agreement acknowledging that the payments missed including interest. The document also stated the payment deferral will not change any other of our mortgage terms. Instead of the lender deferring those payments to the end of the loan they increase our loan amount by {$26000.00}. Our loan went from {$300000.00} owed in the beginning to {$330000.00}. I don't understand why the payment amount due during that time went from {$26000.00} deferred to an additional {$26000.00} on top of it. Our home isn't even worth {$330000.00}. If we would have made those payment instead of entering forbearance the amount owed would be {$270000.00} I feel like they are double dipping so to speak. And penalizing us an additional {$26000.00}. 
We tried to talk with them and they even seemed confused on how they got to the figures. Now they will not answer any questions and told us to get an attorney if we needed further info. We have received 3 different amounts from various statement and feel they are calculating the forbearance wrong from the cares act.
Consumer complaint received 2023-05-27
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. (KS)

I am writing to file a formal complaint against Transunion, a consumer reporting agency, for violating my rights under the Fair Credit Reporting Act ( FCRA ). I believe Transunion has failed to comply with the provisions outlined in 15 U.S.C 1681 section 602 ( A ) and 15 U.S.C 1681 section 604 ( A ) ( 2 ) of the FCRA. The account # XXXX XXXX XXXX XXXX. Violation of 15 U.S.C 1681 section 602 ( A ) : States I have the right to privacy. Section 602 ( A ) of the FCRA explicitly explains that I have the right to privacy regarding my consumer information. However, Transunion 's actions have compromised my privacy. This violation undermines the core principles of the FCRA, which aim to protect consumers ' sensitive personal information. They are in violation to the highest degree and this should be addressed. Also addressing the violation of 15 U.S.C 1681 section 604 ( A ) ( 2 ) : States a consumer reporting agency can not fornish an account without my written instruction. This has been addressed to them multiple times. According to section 604 ( A ) ( 2 ) of the FCRA, a consumer reporting agency such as Transunion is prohibited from furnishing information about a consumer 's account without the consumer 's written instructions, unless certain exceptions apply. However, Transunion has furnished information regarding my XXXX Account ( stated above ) without obtaining my written instructions to do so. This unauthorized disclosure of my account information is also a clear violation of the FCRA.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I have been in contact with XXXX XXXX to satisfy the payment of my loan that has been charged off. I know it was my responsibility to pay on time, but life happens and I wasn't able to. I contacted the corporate office on a few occasions to satisfy my debt. I went into the local office and paid cash based upon the amount that a representative from the corporate office and I agreed on which was {$370.00} which was paid on XX/XX/2018 ( see email ). Upon paying the guy stated that it left me with a {$14.00} balance and at that point I made him aware that I spoke with XXXX XXXX at the corporate office and she sent me documentation via email on the company letterhead stating that I would not be responsible for that {$14.00} ( please see attachment ). Once I left the office, I immediately went and scanned a copy of my receipt and sent it to XXXX XXXX via email. I never heard anything. I then sent a fax, no response, I called and mailed a letter and til this day I have not heard a response from XXXX XXXX or XXXX XXXX. All I want is for this to be corrected and have my credit report reflect that this balance has been paid to {$0.00}. I did everything that I was supposed to do on my end and what was agreed upon, but the company is not following through on their end. This has taken almost two months which is unacceptable. Attached you will find my letters and responses from all contact with XXXX XXXX, XXXX.
Consumer complaint received 2021-11-10
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 (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX  XX/XX/XXXX {$2300.00} Hard Inquiries Credco XX/XX/XXXX N/A
Consumer complaint received 2018-07-25
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: AMERICAN EXPRESS COMPANY (NY)

XXXX charged my credit card {$2600.00} on XX/XX/18 for something I DID NOT purchase. When I contacted American Express to dispute the matter they said they would contact XXXX to dispute the charge. American Express is now saying they contacted the merchant who CAN NOT provide ANY proof that it's a legitimate charge and they are going to go ahead and re-post the charge on my account despite it NOT being legitimate.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I disputed derogatory reporting on my credit reports by XXXX XXXX XXXX on XX/XX/XXXX. My dispute shows proof that I was never 90, 120 or 180 days late on my student loans from XXXX. During that time, I was XXXX XXXX XXXX at University XXXX XXXX. I also had a XXXX Hardship Agreement starting on XX/XX/XXXX because I was taking care of my father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have asked for proof of the original loan documents to help prove that I was charged interest during these times and that XXXX XXXX XXXX continued to show me late. In each loan, XXXX XXXX XXXX shows that I am " current '' and then the next month they show I am 90 days late, then 120 days late and they have a comment that I was 180 days late. This is not true and is hurting my credit report and ability to build credit and move forward in my life. I have no resolution in this matter, no documents from XXXX XXXX XXXX and no change on my credit reports which are now " updated '' with exactly the same information. I would like these loans deleted from my credit report until there is a resolution of the correct amounts and no derogatory reporting. Thank you for your help!
Consumer complaint received 2021-05-03
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: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

- I applied for a mortgage at TD Bank. 
- I participated in a preliminary prequalification phone call and was approved for over {$500000.00} for a loan. 
- I entered a contract for a property that required a loan for {$280000.00}, and started the next step with TD Bank which was to sign documentation and they stated at the beginning of this step in an email my rate for a loan would be 4.875 % interest rate. 
- I was told I did not qualify unless I paid off {$1500.00} of my credit card debt and {$59000.00} of my student loan. 
- I stated I did not have the funds to pay off these debts. They told me verbally over the phone I was not approved and I asked for documentation stating that so I could get my deposit on the property back. 
- A week later they told me I was actually now approved and at rate of 4.5 % and again they put that interest rate in an email that asked for us to sign the same documents previously which we did. 
- We inquired about next steps and then they told us our loan rate was now 5 % interest rate. 
- I believe this is a classic case of bait and switch.
Consumer complaint received 2021-11-10
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: JPMORGAN CHASE & CO. (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} JPMCB XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Consumer complaint received 2021-11-10
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: TD BANK US HOLDING COMPANY (VA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} Nordstorm/TD Bank USA XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Consumer complaint received 2019-06-10
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (GA)

On XX/XX/XXXX pioneer credit recovery sent me a wage garnishment notice on behalf of the department of education. I sent a request letter on XX/XX/XXXX requesting an oral hearing. I never received a date or response to present myself in person at a location before a hearing officer. On XX/XX/XXXX I received another letter stating I needed supporting evidence with no time given to gather my supporting evidence with one loan discharge application and needed help filling it out. I requested the lenders information on XX/XX/XXXX and never received the information and that i had requested an extension to gather my supporting documents and i was never granted the requested or received a response. Now on XX/XX/XXXX they took upon themselves to make a final decision without granting me a fair hearing. the company garnished XXXX XXXX of my wages. I am forced by this company into hardship facing an eviction and utility bills disconnections and no transportation or food.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION (GA)

I closed my bank account at Regions Bank on XX/XX/XXXX. They have now reported me to collections for a {$25.00} overdraft fee. I went to the branch location on XXXX XXXX XXXX, XXXX, GA XXXX and had a banker close the account in person.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have a Platinum Capital One Card. I have no activity on this card since XX/XX/2022 and my last cash advance was in XX/XX/2022. My balance stay just over XXXX because Capital One keeps charging me cash advance fee and a purchase fee. When I pay above the minimum due my balance never goes down. When the fees are charged each month it takes away from my available balance and my balance is back over XXXX. The only activity on this card now is the fees they are charging me each month. I have asked the card be canceled. I assume that has happened. I called and they give me this spiel about how the payments are posted and that is it. 

I was told that I am still paying off the cash advance that was done nine months ago??? 
and that I will have to pay the card in full if I want to stop getting charged cash advance fees. 

All I know is if I pay above the minimum and have made no other charges my balance should go down.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Accounts & Advisers, Inc. (MN)

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

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

AMERICAN ACCOUNTS AD XXXX Balance {$880.00}
Consumer complaint received 2022-11-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. If your company, fails to comply with federal regulations by credit reporting agencies you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and CFPB the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( XXXX XXXXXXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

i have already disputed the items below on XX/XX/XXXX, XXXX, XXXX XXXX, and XX/XX/XXXX, but the bureaus did not remove them. 
Under Sec. 602 States i have a right to privacy. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (VA)

SunTrust Bank set up multiple accounts for me under the same login name. When I tried to close the accounts, the IT department of SunTrust bank explained the deficiencies in their banking platform that resulted in the difficulty of closing the accounts. First, the system should not have allowed the creation of more than one account with the same login. Secondly, because of the first oversight, when trying to close the account, certain fields in the database schema were unable to be extinguished fully, resulting in the accounts not being closed. To simplify, because of the bank 's oversights and antiquated IT infrastructure, my accounts were not closed when requested. This resulted in overdrafts and fees to the account. 

The manager of the branch assured me that they would take care of the fees since this was not my error. Unfortunately, SunTrust closed that branch ( XXXX XXXX in XXXX, VA ), and this manager was disappeared before fully fixing the problem. 

The account reached a negative balance by accruing fees of approximately {$290.00}, which fortunately did trigger closure of all the offending accounts. Then SunTrust referred that amount to their collection agency, for which they continue to hound me despite my multiple attempts to explain their error.
Consumer complaint received 2018-04-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AD ASTRA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Consumer complaint received 2021-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC (CA)

dear sir a company called " voss and klein '' collection agency has jeopadized my credit report unjustly. a company called " XXXX '' holds me responsible for my brother 's debt. this matter was sent to a debt collection agency name " Voss and klein ''. XXXX did some advertisement for XXXX XXXX XXXX XXXX XXXX '' owned 100 % by my brother ie. XXXX XXXX. I was employed by my brother as a manager at the time of signing of a contract with XXXX. I just signed the contract as a manager would by insistance by my brother and XXXX but the contract clearly shows that the client is XXXX XXXX ie my brother on the contract signed. neither XXXX nor the collection agency ie voss and klein would listen to reason and they keep calling me and fouling up my credit score. Attached is a copy of the contract that clearly says XXXX XXXX is the client. I have complained to consumer affairs, ftc, XXXX, and complained to small claims court. my complaint in the court was dismissed. all other places that I have complained have been fruit less.I understand you are the actual agency to complain against a collection agency at fault. all the information is in the contract. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX my email address is " XXXX '' my phone is XXXX.