davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Medical Administrators, Inc (KY)

Modified excerpt of that sent to additional parties XXXX XXXX : Received a letter : Listed numbers : XXXX, XXXX, Fax : XXXX Described an invalid charge for XXXX Internal account number that company assigned as XXXX Representatives of that as company identified that company as : National Medical Administrators I did not make commitment for any additional purchase Someone fraudulently stated that I did not cancel some recurrence of charge for products not received and that company intends to attempt collections : for products not received nor necessarily purposeful Do flag and reject that attempt if it appears and contact me with any questions prior to and immediately upon any attempt The letter requests contact within 30 days of XXXX XXXX. 

Where here XXXX  website format was not effective and link referral resulted ; Original statement : Hello, I received a letter from something called " National Medical Administrators , Inc '' ; Listed number XXXX, XXXX ; Fax XXXX, describing an invalid charge for XXXX and the internal account number that company has assigned as # XXXX. It is likely that company purchased my contact information from a source I did not consent to the sale of to, nor transfer of that information to, nor did I make commitment for any additional purchase beyond a single order ; ( That purchase was atypical because it was some commercial XXXX XXXX  and XXXX  with no effect I did not much use and am not required to return to that company, as payment for that single order was made. ) I did not immediately purchase the item ( s ) after seeing the questionable product and marketing scheme/method/ presentation ; No charge has been made to my card. Either way, when someone called, that person fraudulently stated that I did not cancel some recurrence of charge ( for products not received ) and that company intends to attempt collections. Do flag and reject that attempt if it appears and contact me with any questions prior to and immediately upon any attempt ; The letter requests contact within 30 days of XXXX XXXX. I may send that company this except and am certainly notifying other parties ... '' In regard to below described CFPB publication consent : Upon submission, consent is granted for the intended published use by the CFPB, only as containing content necessary for the average consumer to make a prudent decision ; And that excerpted content only be made available for public view with removal of all what may be described as personally identifiable information.
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Apelles, LLC (MN)

I am receiving phone calls of harassment, abusive and profane language, and threats of jail, prison and death from Apelles Debt Collection Representatives for the following Apelles Account : XXXX from XXXX XXXX. The account is a fraudulent account and not my account, and is the result of identity theft. I never applied for or opened up an account with XXXX XXXX. Apelles is violating the Fair Debt Collection Practices Act ( FDCPA ) under federal law by constantly harassing and threatening me with death and jail for a fraudulent account thats not my account, and is the result of identity theft.
Consumer complaint received 2020-08-23
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: Experian Information Solutions Inc. (GA)

I submitted method of verification letters dated XX/XX/2020 to each credit reporting agency ( XXXX, Experian, and XXXX  ) regarding XXXX/XXXX  after they stated it was verified/accurate, but I never got a response from any of the CRAs. I have disputed this inaccurately reported item several times and I dont think they are investigating this issue at all. They are only sending an auto response just to satisfy an investigation.
Consumer complaint received 2020-11-17
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. (CA)

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XX/XX/XXXX and XX/XX/XXXX did their jobs in no time. Equifax on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Equifax continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Equifax is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Consumer complaint received 2024-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (FL)

On or around XXXX XXXX, my mortgage loan was transferred to NewRez LLC. At some point, on the back of a NewRez statement, I noticed that NewRez was charging me a single late fee in the amount of {$1900.00} and a Non Sufficient Fund ( NSF ) fee in the amount of {$35.00} dollars. I contacted NewREZ and inquired about both fees and requested that both fees be removed. Please see my attached certified letter to NewRez dated XX/XX/XXXX. NewRez responded to this letter on XX/XX/XXXX and stated that NewRez has never imposed any late fees or insufficient fund fees on my account. NewRez specifically stated : " Please note, the late charge in the amount of {$1900.00} and NSF fee of {$35.00} was assessed by the loan 's prior servicer. Therefore, the amount of {$2000.00} of fee balance will not be removed. '' Although requested, NewRez provided no proof that any of these fees were legitimate. In their response letter of XX/XX/XXXX, NewRez states : " we have been unable to determine that an error has occurred '' but conversely they have been unable to provide proof that these fees are in fact accurate and/or legitimate. Please see attached correspondence.
Consumer complaint received 2022-01-07
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: DISCOVER BANK (CA)

I filed dispute with Discover on XX/XX/2021. The final resolution was due 90 days after the dispute. Discover reverse the credit for dispute without any explanation or giving me a chance to respond. Discover mishandled the dispute and reported me to Credit Bureau unfairly and damaged my credit score.
Consumer complaint received 2022-09-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MD)

National Credit Systems , Inc. based in XXXX, GA, Tel : ( ( XXXX ) XXXX fraudulently misrepresented and collected money for a non collectable debt. They also did not apply the full amount of funds I paid for a legitimate, collectible debt to my account with them, which was posted on Wednesday, XX/XX/2022. I contacted the Supervisor, XXXX XXXX, on Wednesday, XX/XX/2022, regarding the discrepancy with the actual payment that was made vs payment posted, and account closed letter, he said it would take 10 days after receiving my payment for them to apply the Correct payment amount to my account and generate an closure letter. However, XXXX XXXX XXXX, my account manager, stated in a previous phone conversation on Tuesday, XX/XX/2022, that once my payment was posted to my account, I would receive account closure letter immediately. They have been playing this Intentional, back and forth game with me for over a week putting me in a precarious position financially.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting is incorrect for this account ( XXXX XXXX XXXX ). Because of the following information by your company and XXXX, Equifax, and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 
1. Incorrect credit limit 2. Last Verified incorrect 3. Date of Last Activity are all different 4. Closed Date missing 5. Charge off account showing currently showing past due 6. Last Payment are all different 7. Term Length missing
Consumer complaint received 2020-05-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I called National Credit Systems because the credit reported to all 3 credit reporting agency back on XXXX20.They are trying to collect on an invalid debt. They do not have the last payment date on XXXX XXXX XXXX XXXX. By them not having the last payment date the statue of limitation can not be properly Calcuted. They wrongfully credit reported on my report with a invalid debt. I informed them that without the last payment date they can not properly Calcute the statue of limitation for this debt. Which makes this an invalid debt. The also unlawfully credit reported this to all 3 credit reporting agencies. They refused to fix it. They said dont know what I'm talking about and that they're not lawyers so there's nothing they can do for me but notate my account in their office.
Consumer complaint received 2020-08-23
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-23
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

On Saturday, XX/XX/XXXX, I logged onto my online Chase bank account to check my accounts ' statuses. I then went to browse through available credit cards, and found that I qualified for the Sapphire Reserve card with my new income. I called that same day to request my card be shipped to my new address. 

On Sunday, XX/XX/XXXX, I was unable to log onto my online Chase account, which has my checking account and two credit cards ( one of which is the new Sapphire Reserve card ), due to " suspicious activity ''. I also noticed that my older credit card was declining. Today ( Monday, XX/XX/XXXX ) I tried calling the phone number that I was given when trying to log into my account, but after 2 hours on hold, the agent needed to transfer me to a different department that was, at that point, closed for the day. 

I don't really have any idea why my account is locked and my credit card is declining. Besides an increase in my income, I have not had any major life changes that would affect my financials negatively, nor have I had any recent late payments, large transactions, etc.
Consumer complaint received 2020-11-17
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. (AL)

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XXXXXX/XX/XXXX# XXXX -- XXXX XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- -- XX/XX/XXXXXXXX XXXX # XXXX -- XXXX XXXX XX/XX/XXXX-- XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 5 unverified accounts as of today. Thank you
Consumer complaint received 2020-08-23
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. (OH)

I demand the following accounts be verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Thank You,
Consumer complaint received 2020-08-23
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. (OH)

I demand the following accounts be verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Thank You,
Consumer complaint received 2020-08-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Notified XXXX XXXX XXXX approximately 30 days ago to dispute a fraudulent credit card on my credit reports and they still have not validated the debt with me which is against the fair credit reporting act. There is no evidence of this debt being mine which in result needs to be deleted. XXXX XXXX XXXX  has provided me no details in the investigation or evidence so I want deleted
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Law Offices of Marvin S. C. Dang, LLC (HI)

I have sent a letter to XXXX XXXX who is the attorney for XXXX XXXX in an effort to completely payoff a loan and they will not respond to me. THIS IS NOT A DUPLICATE COMPLAINT. 

Also, the amount is STILL incorrect that is being reported to the credit bureaus. The amount is, by their own admission in the documentation on this website, lower than the reported amount. 

I need two things done. An accurate amount of balance due and owing a response from XXXX XXXX ATTORNEY. Letter sent to them was " return receipt requested '' and it was uploaded to this website as well so I know that they have it. 

Both the attorneys and the company keep ignoring me saying this is a duplicate when they fail to see that this is a NEW COMPLAINT.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TN)

I opened my Citi Credit account on XX/XX/XXXX. I qualified for a special balance transfer APR and tried to submit a balance transfer from XXXX XXXX. Upon hitting the submit button, the website told me that my request could not be completed. Since I did not have the card yet, it would not let me create an online account to try to re-submit the balance transfer. 

On XX/XX/XXXX, I received my card. At the time, there was no balance transfer completed on my account or pending. I went ahead and submitted a second balance transfer since the first one did not go through. 

I woke up to a notification on XX/XX/XXXX that BOTH balance transfers were now pending on my card. I was charged TWO balance transfer fees. I immediately contacted Citi Customer Service and was told to contact XXXX XXXX since the balance transfer was pending to stop the transfer. Citi advised if both posted to my account that they would credit back one of the fees to my account. I contacted XXXX XXXX and was told that there was no way to stop the balance transfer at this point. 

I contacted Citi again and was told to contact them once I made a payment on my account and once the fees posted. I went ahead and dropped a large sum to cover most of the balance transfer. I contacted them again and was told that the fees were still pending. I contacted them after confirming the fees have posted and today XX/XX/XXXX, I was told that all 3 previous reps have given me false information as there is no way to credit me back a balance transfer fee and that it is my fault that I submitted two balance transfers. I asked Citi to please check all the messages on my account because they have clearly communicated to me that they would credit the fees back once posted on 3 separate times. Today, Citi Bank still fails to credit back one of these fees.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a capital one card, I have never paid my bill late and my credit score is very good, despite all of this CapitalOne recently lowered my credit limit for " not using my card enough '' I do use the card and pay the bill in full every month, when I tried to email them they do not have an email address for customer 's to contact them, I ended up calling and waiting 1 hour on hold for someone to assist, when I spoke to someone they told me my credit limit was lowered for lack of use, are they not making enough money on me because I pay my balance in full every month? This is disheartening on many levels and It seems like they shouldn't be allowed to get away with this as this has a negative impact on my credit score because I now have less credit limit
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

On XX/XX/XXXX I received a new XXXX XXXX card because of fear of compromise. On XX/XX/XXXX I checked my PayPal Account to ensure all cards had been deleted from the wallet section. To my surprise my new  XXXX XXXX card has been placed in the PayPal Account without my consent or knowledge. 

PayPal tells me that someone has access to my card. This is not true. No one has access to my card. Problem is : PayPal for some reason will not remove an old email and mobile that were hacked back in XX/XX/XXXX. One of their customer service reps and I recently changed the primary email and phone number on my account. But their automated system is still asking for an email to be sent to my old email address for verification of my identity and to reset the password. There customer service people do not have a clue as to how to fix this issue. Their actions are robotic. They do not have a clue of an issue of this magnitude and complexity. I have sent numerous emails to no avail. The executive offices will not respond. 

This lack of customer care is unacceptable for a company like PayPal. Needless to say, If I ever get this rectified, I will have nothing to do with PayPal. Companies do not understand the enormity of these issues until It is felt in the bottom line. 

In the final analysis : the hackers still have access to my initial email account and they are having a hay day on penetrating my accounts and all because PayPal is unwilling to do their diligence to protect my account information. The old information needs to be removed from their system. 

Each time they try to verify me via their automated system and I know the answers to the questions are correct, I can not be verified according to their system. They need to update their automated system with the correct information. I am at a cross roads. I need help in fixing this