davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Commercial Collection Corporation of New York, Inc. (NY)

Received a " Final Notice '' dated XX/XX/2024 from the CCC of New York ( The Commercial Collection Corp of NY ) and we never received any other communications from them. So why is this a final notice if no other previous notices were received. If so, please have them send copies. 

We do not recognize the creditor - XXXX XXXX XXXX XXXX of Ohio. We have no invoices from this organization or any business done in Ohio for the last 10 years.
Consumer complaint received 2023-04-05
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

This is regarding a reverse mortgage taken by my parents in XXXX. They are both now deceased and their home is in pre-foreclosure status. It appears that PHH Mortgage is the current lienholder under loan # XXXX On XX/XX/XXXX I was served with an Amended Complaint in an action filed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under a Foreclosure Case # XXXX in the action entitled Nationstar Mortgage LLC v. " Unknown Heirs ... Marie Bambino et al. The pleadings filed with the court and verified by XXXX XXXX XXXX XXXX for the Mortgage Corporation state that {$220000.00} is due and owing on principal on the Note and Mortgage plus interest, etc. 

Subsequently I received a payoff statement in excess of {$370000.00}. This figure is in excess of {$140000.00} as stated in the pleadings filed with the Court.

To protect my rights as a beneficiary of my parents ' property I was forced to hire an attorney to defend this action. My attorneys have sought a breakdown of this sum claimed due and the mortgage company and their attorneys have failed to provide this information. 

I have written to the mortgage company directly requesting this itemization and my correspondence hasn't even been acknowledged by the mortgage company although I did receive a read receipt timestamped from the country of XXXX. 

I would like to preserve the estate and sell this property but absent the requested information, we can not proceed. Forcing me and the mortgage company to continue to incur attorneys fees for a failure to provide information needed is unfair and unjust. I am filing this complaint hoping that the CFPB will force the mortgage company to disclose the breakdown on the payoff and explain a discrepancy in excess of {$140000.00}
Consumer complaint received 2024-03-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

About three years ago, I lived on XXXX on XXXX when I moved out, I provided the proper notice to the office, and I return my keys on the last day that I moved out. However, the property charge me for an additional month even though I moved out, I have tried to dispute this over and over again, and it looks like they sold my debt to this new company called Genesiscredit management I do not owe this company any money and now this is affecting my credit score in my credit report. I need this removed off of my credit because I do not owe it and I have proof that I moved out.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WASHINGTON FEDERAL BANK (CA)

Wafd Bank took over my XXXX local bank ( XXXX XXXX XXXX ) on XX/XX/24. Consumers were instructed to enroll online on XX/XX/24. I was able to create an online account which I can access. 

However, the external transfer feature - that I rely on for daily expenses- is not functional. i have called customer service 5 times and done what they have asked me to do. I have been assured that they will fix this problem and that they have additional documentation i sent them ( a voided check ) but they have repeatedly told me they will fix the problem and it goes unresolved still. 

Secondarily, I tried to enroll for a checking account on Wafd website and that has been held up also. Similarly, their Customer Service is unable to resolve the problem. 

My only option seems to be to drive XXXX min each way to the closest branch.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (FL)

I was told that I owed XXXX  security system 3 months of service e.i. {$90.00} .I tried to explain to them that I never had service with that company .they told me someone from that address did. Therefore I disputed it.now they sent it to a debt collector name " zion debt holdings LL '' with an outstanding balance of almost {$600.00} .I have been trying to contact those ppl vainly.so far Noone has returned my calls nor picked up the phone.
Consumer complaint received 2019-05-20
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. (IL)

XXXX XXXX XXXX XXXX has improperly maintaining my account information and reporting this information to different credit bureaus for the less 12 years. In so doing, my credit score was greatly affected.1 ). They had additional credit cards, etc billed to my account. 2 ) .The failed to maintain good banking records as required by law. 3 ) .I  believe this was done due to my race
Consumer complaint received 2017-10-09
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. (NC)

IVE NEVER AUTHORIZED INQUIRY OF CREDIT THROUGH TRANSUNION. IVE CALLED TO DISPUTE AND THEY HAVE REFUSED TO INVESTIGATE. I REQUESTED TO SPEAK WITH XXXX DEPARTMENT AND THEY HAVE REFUSED TO PLACE ME IN TOUCH WITH FRAUD. 
ALL XXXX INQUIRIES ARE INVALID AND WERE NOT INITIATED BY ME
Consumer complaint received 2022-08-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I have contacted all bureaus asking for validation on the accounts listed in the document provided below. I contacted the bureaus on XX/XX/2022. The bureaus have yet to provide me with any documentation, and it is over the 30 day mark. The incorrect information is rapidly lowering my credit score. Please help me fix this problem!
Consumer complaint received 2024-03-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

GENESIS CRDT Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. Either remove this account from my credit or I will be force to sue for non-compliance and identity theft by charging and attempting to collect a debt I do not owe
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.
Consumer complaint received 2024-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

The two companies of the collection are LVNV Funding LLC and XXXX XXXX XXXX. I explained that the debt didn't belong to me and that I may be a potential victim of an identity crisis. I am still being harassed, called repeatedly, and forced to give them information that I don't feel comfortable doing/do n't have. I asked them to stop repeatedly via phone calls and they still call from different numbers and inappropriate times.
Consumer complaint received 2021-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Vermont Student Assistance Corporation (MA)

I have been really struggling with Vermont Student Assistance Corporation on having my payments be accurately applied across my series of loans. Between the second half of XXXX and early XXXX, I made several payments to try to bring my balances down. Even though the previous month " statement dates '' had already passed by, they applied these payments towards a previous month, and towards just one loan - they did not count towards my XX/XX/XXXX due date. Effectively they just went towards principal and interest without effecting my monthly payment amount. I was able to have them re-apply the loans for that month luckily. 

Now, it is XXXX. I made a {$200.00} payment on XX/XX/XXXX. My typical amount due per month is {$470.00} and it is typically due on the XXXX of every month. The payment was deducted from my bank account on XX/XX/XXXX. When i log in to VSAC 's web portal, i am told that i still have {$470.00} due. The {$200.00} payment shows as having been made in a seperate section - but to what? How do i know which loan series it was applied to, and how do i know what VSAC expects as the remainder of my monthly payment now? Short answer : I don't. 

I have emailed and called them and have received two different amounts that will be due on XX/XX/XXXX. One representative told me i have credits this month of {$390.00}, meaning i have just about {$80.00} left to pay by XX/XX/XXXX ( i have this in writing ). That's extremely confusing to me because i know only {$200.00} has been paid. I do not know where the other balance paid is coming from. A different representative told me on the phone that I have {$270.00} left to pay ( which is what i would expect, as XXXX XXXX. 

All of this while their website still says i have to pay {$470.00} by the 14th. 

Every other time i make a payment towards a debt from another institution, if it's not the full amount for the month it will reflect in the online account how much i need to pay to satisfy the monthly payment requirement. I am so utterly confused as to how VSAC applies my payments. I have no idea what i need to pay to avoid being late or entering default now. VSAC representatives are utterly unhelpful and appear to not know what is going on, either.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MD)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ LVNV funding LLC ] [ XXXX ] XXXX : [ LVNV funding LLC ] [ XXXX ] XXXX : [ LVNV funding LLC ] [ XXXX
Consumer complaint received 2021-04-07
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

This is a secondary complaint to # XXXX that was somehow closed before the problem was actually resolved. ( Freedom Mortgage failed to show up for the scheduled closing on XX/XX/XXXX. ) Freedom Mortgage again failed to show up for the rescheduled closing on XX/XX/2021, at XXXX XXXX EDT. Now we will have make yet another payment on the current loan while we await Freedom Mortgage 's response. This is absolutely no way to treat a military family.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One is cancelling my spark card which pays 2 % rebate on all purchases everyday as advertised by them. They are forcing me to replace it with another card that does not fit my needs. They have told me that I am a high volume user of the card and that they are losing money by paying me the 2 %. They have doubled my credit limit but will not pay the 2 % on the new card. I am being singled out as many of my friends and customers use this card and they are not being affected.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2022-08-09
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX BANK XXXX is completely inaccurate. 
The date of last activity is different across all three consumer reporting agencies. 
The high credit amount is reporting on Trans Union but not XXXX or XXXX. 
Attached you'll find a screenshot of the XXXX displaying the inaccurate reporting.
Consumer complaint received 2024-02-13
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. (CO)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights . Several of these account were deleted and fraudulently added back to back account after being deleted.

15 U.S.C 1681 Section 602 A. States I have a 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 with out my written instructions
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

CALLING BANK OF AMERICAS XXXX At a Bank of America branch, I begged the clerk in charge of business accounts XXXX and the manager XXXX XXXX to help me order checks. The complexity ( and I had learned from the credit card fiasco that can doom the transaction ) was this : On the check should be printed my new address, as of XX/XX/XXXX, in OH. ( The relocation is business-driven. ) The checks should be shipped to my current in XXXX since I have only a few checks left and relocation involves writing checks right now. 
Both XXXX and XXXX XXXX told me to do what I told them I had done last night and it didn't give me access to anything : That is, call the customer service number provided by Bank of America XXXX. They did not listen. That links into credit card services. Not to the bank per se or to checking. 

I had no choice but to start at that point again. They " allowed '' me to sit in their lobby and go about this journey of extreme frustration. 

Yes, it was the credit card number. For 16 minutes XXXX kept informing me he would help me, taking in copious details. He never informed me that he was not authorized to help, though. He was in credit cards. However, after 16 minutes he told me that he would pass me on to someone who could. He indicated he would brief someone with the details. 

That didn't happen. It was a cold transfer. From there was another cold transfer to business checking at XXXX. In business checking there was XXXX. Why didn't XXXX or XXXX XXXX give me that direct number to business checking? 

Was XXXX successful in accomplishing that mundane task of getting checks from me? I will know that in 10 business days. For express shipping the fee is over {$70.00}. Plus the almost {$30.00} for the checks per se.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX I went in to a pnc branch to apply for a business credit card for my business. I have excellent business credit and my personal credit score is XXXX on XXXX. I meet the criteria for a business credit card and I also have others with other institutions. 

However I got a call today from a banker saying I was declined due to 4 reasons 1. Too high balances on existing accounts 2. No recent loans 3. Not long enough credit history/ profile 4. Dont remember 4th reason But all of the reasons are invalid or incorrect I just paid off a bank loan in full a couple months prior. Which my credit report shows that account was closed and paid as agreed, I have a long credit history XXXX  years. I have XXXX auto loans on my credit profile thats paid in full. 
Majority of all my credit cards balances are paid down to {$0.00} balances, and or I only owe a few XXXX dollars on credit cards with very high credit limits. 

I feel Im being targeted being a minority woman and business owner. I meet the qualifications for these financial products yet Im being denied. And I cant seem to think of no other logical reason, being that I have excellent credit rating on my personal and my business
Consumer complaint received 2021-04-07
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. (NC)

I was submit a complaint with XX/XX/XXXX about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XX/XX/XXXX XXXX Credit Card, Opened XXXX XXXX, XXXX XXXX 17 yrs, 10 mos ) ) and Closed on XX/XX/XXXXXXXX, XXXX 2. XX/XX/XXXX Credit Card, Opened XXXX XXXX, XXXX XXXX 17 yrs, 10 mos ) ) and Closed on XXXX XXXX, XXXX
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

They have contacted me over the phone a few times trying to get me to settle and I disputed the {$400.00} XX/XX/XXXX. Back in XXXX one representative said the whole account was in correct and tried to fix it but never did.