davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

Someone rented an apartment in XXXX, Florida in my name. They did not pay for the apartment and they ended up owing the leasing company {$7500.00}. This showed up on my XXXX credit report and is making it hard for me to rent an apartment. The only time I ever lived in Florida was when I was about XXXX XXXX XXXX, so there is no way this could have been me. 

Later on, someone rented an apartment in XXXX, GA, in my name. Again, they did not pay their rent and ended up owing the leasing company {$21000.00}. According to my credit report, the date of first delinquency was XX/XX/2019. At that time, I was living in XXXX, GA, where I attended the University of Georgia for XXXX years to earn a XXXX XXXX. So again, I was not living where this apartment was rented and this could not have been me. 

I am trying to rent a new apartment now and this history of identity theft is making it impossible for me.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IL)

I recently tried to rent an apartment in XXXX ( I am a resident of XXXX ) and was notified that there was a negative report on my credit report from a debt collection agency. This agency, National Credit Systems, showed me owing money to XXXX XXXX ( in XXXX, XXXX ) for my tenancy which ended about XX/XX/XXXX ( Shown on my credit report as Account Number : XXXX. ) After I vacated from XXXX XXXX, I moved home to take care of my ailing father. From that point until the denial of my lease for the apartment I was attempting to begin in Florida, I never received any notification about any of the details of monies alleged that I owed. 

On XXXX XXXX, XXXX, I sent a Certified Letter to National Credit Systems asking for verification of the debt shown on my credit report ; tracking shows that said letter was received on XX/XX/XXXX. In the letter, I gave them 30 days to respond to my proof of debt validation before I requested certain remedy to my credit report. Today is XX/XX/XXXX and I have received no response from National Credit System. ( Please see the attached Debt Validation Letter, the Certified Mail Receipt as well as the Certified Mail Tracking showing that my letter was received on XX/XX/XXXX. ) In speaking with the CFPB Representative today, she indicated that National Credit Systems will now have 15 - 60 days to respond from the date of this complaint? I feel this goes far beyond a reasonable amount of time to prove a debt that was placed on my credit report in XX/XX/XXXX, especially since I was never even notified of the details before it was reported to any credit bureaus?
Consumer complaint received 2022-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (WI)

I called BMO Harris Bank customer service at the beginning of this month. No matter which option I dialed the hold que was supposed to be one and half hours. However I was on hold for around two hours until finally someone took my call. It was a very simple request to stop a pending payment for a bill.
Consumer complaint received 2022-12-25
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. (SC)

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. 

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 XXXXXXXX has violated my rights.

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 an 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 or 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 2022-10-23
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: JPMORGAN CHASE & CO. (FL)

I recently checked my credit report and I seen some inquiries that I do not recognize from JPMCB on the dates of XX/XX/21, XX/XX/21, XX/XX/21 I do not recognize these. Please investigate and provide me with the original copy with my original signature for all the dates to provide proof I do not recall these inquiries please remove them.
Consumer complaint received 2022-10-06
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. (TN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. 

According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX. XXXX XXXX XXXX XXXX XXXXXXXX not my accounts, ssn was associated with another individuals account information XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX not my accounts, ssn was associated with another individuals account information XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-06
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. (MN)

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

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
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (GA)

My house just came out of forbearance the first of XX/XX/2022. My mortgage company is Freedom Mortgage. The plan was to put the delinquent amount on the back end of my loan. The company sent me the paperwork, however there is a clause in the agreement that states I will lose my homestead tax exemption. I tried talking with several people in the company. The answer that I got was " oh its always been there, we can not change the verbiage and .... we've never heard of anyone losing their exemption. It's safe to sign. 
In my experience a legal document can be executed regardless of any of the reasons they gave me. I want to know what's going on with this company. 

concerned homeowner, XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$47.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$3600.00}
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

Got a XXXX pre paid card for my birthday that I used once and now is completely inaccessible as every time I try to use it the pin is wrong and the card is declined. The other cards I got did not have this issue and the customer service line was nothing but prerecorded non-sense with no pertinence to my situation. Im aware of the stipulation that the first pin entered for the card acts as the cards pin but I didnt put an employee ran the card and I dont know what happened from there for this to happen.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

XX/XX/2022 Confirmed order for XXXX  in he amount t of {$6700.00} from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX also promised the XXXX would be installed within 10 to 11 weeks ... no exceptions XX/XX/2022 XXXX called for my debit card number to pay the deposit of {$3300.00} XX/XX/2022 XXXX notified me that no windows were received as of that date XX/XX/2022 I asked for an update on the XXXX, XXXX stated they should be shipped shortly XX/XX/2022 I stated that was not an answer, XXXX emailed the manufacturer, said if no no definite date I could cancel. 
XX/XX/2022 XXXX stated he would get back to me by XXXX, he didn't XX/XX/2022 I asked to cancel the order, no answer XX/XX/2022 I asked to cancel again XX/XX/2022 XXXX sent me a screenshot of text from the manufacturer stating the XXXX were in manufacturing pre load which means they were not even made at this point. I have the screen shot. He also thought it was funny joking around about he order. Again, I have the entire communication in text format. 
XX/XX/2022 I asked for a refund again. 
XX/XX/2022 XXXX stated the lead time was 8-10 weeks which had already passed. He still wanted to do the job. I said no. I asked for a refund twice more XX/XX/2022 I advised XXXX that XXXX filed a dispute with Bank of America XX/XX/2022 XXXX replied that he could not refund me because he already spent the money on the XXXX and it was too late in the process. 

I was under the impression that Bank of America would process my claim as expeditiously as possible. I understood that the merchant has the opportunity to refute the claim within 45 days, which they did by sending a photo of a box with XXXX in it. As far as I know, they weren't the windows I ordered and I cancelled before they were made anyway. 

I called Bank of America many, many times speaking to agents and supervisors only to hear very different excuses. The merchant ( XXXX XXXX ) stopped responding. They kept saying they are researching the claim and there is no time limit on the process! They also said at one point that the Bank of America XXXX is who is researching the claim and makes the decision whether I would be refunded or not. Well, this organization doesn't exist as far as I can tell.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My husband and I opened multiple bank accounts through Bank of America in XXXX, XXXX  on XX/XX/XXXX. We opened checking accounts for an operating account, a payroll account, and a ATM account for our business XXXX XXXX XXXX XXXX, XXXX. We opened a personal checking account for our family. As well as a checking account for our food truck business XXXX XXXX & XXXX XXXX. Starting our accounts out were challenging because our previous bank did not transfer all our companies money into our new accounts until greater than 10 days. This was challenging for our business in the beginning. Once all money was transferred there were no issues. We received a letter in the mail from Bank of America stating they were closing our accounts around end of XXXX early XXXX. I reached out to Bank of America in XXXX, MD via phone call and spoke to XXXX the branch XXXX. I told her about document that I received in the mail and she stated that I received that by mistake and there was no issues with my account and to throw the document in the trash. I threw the document in the trash and did not think anything else of the matter. We continued to make daily deposits, ordering checks etc. Yesterday, XX/XX/XXXX we attempted to deposit money into our account and were denied. Bank of America in XXXX, XXXX  stated they did not understand the issue and told me they would give me a call on XX/XX/XXXX as soon as they got more information. I did not hear from Bank of America by mid afternoon so I attempted to call multiple times throughout opening hours. I finally sent an email to XXXX on XX/XX/XXXX at XXXX stating my concern about my accounts being closed. I informed them that I have a business to run and I need to ensure my business is ran smoothly and safely so no checks are bounced or any issues. I received a call back around XXXX on XX/XX/XXXX from Bank of America at the XXXX XXXX XXXX  branch stating they do not have any information for me to explain why my accounts have been stopped. They provided me with a phone number of XXXX, which I called directly. I spoke to a representative which stated she is unable to provide me with the reason our accounts were being closed. She informed me that my accounts are closed and that I will receive a cashiers check of our money in the mail in XXXX business days. I informed her that I have a business that I need our money for our business to succeed everyday. I informed her that I was just made aware that my bank account is closed today. I informed her this all takes time to make sure my accounts are set up appropriately so checks dont bounce, my payroll goes through etc. She stated this is bank of americas policy and they can close your bank account at any time. Please help me get this terrible situation solved. You can contact me directly at XXXX or my email is XXXX.
Consumer complaint received 2024-12-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP (FL)

My wife and I took out a residential construction loan from US Bank with a 14 month XXXX period, which then converts to XXXX XXXX XXXX thereafter. During the XXXX period, interest is paid on the amount drawn by the builder ; total credit line is {$2.00} XXXX. When the XXXX period expired, we only had drawn roughly $ XXXX, however US bank said we now need to pay full principal and interest on {$2.00} XXXX. My wife and I have both been in the mortgage industry for 15+ years, and had never heard of a product where interest is charged on the full credit limit, regardless of how much has actually been utilized. These loan terms were never explained to us by our loan officers and we do not believe we ever signed anything ( including the note and all other closing documents ) that clearly explained this either. We conveyed this to US Bank ( however, our loan officers are no longer there ) and they gave us a free 3 month extension on the XXXX period. That is now going to expire prior to the home being built, and they are saying in order to extend the XXXX period again, we need to pay a {$5500.00} processing fee, otherwise will have to pay P & I on the full {$2.00} XXXX ; however we still have not come close to drawing that amount, and don't ever intend to use the full amount, as this was simply based on an estimated cost to build. I don't believe we should ever be charged interest on funds we haven't borrowed, and shouldn't have to pay a {$5500.00} processing fee to avoid doing this.
Consumer complaint received 2023-03-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (CA)

I received a debt collection notice by mail XX/XX/XXXX. On the same day, I disputed and requested verification of debt via online XX/XX/XXXX. I didn't hear anything back from Phoenix Financial Service. I reviewed my credit report today XX/XX/XXXX and Phoenix Financial Service Reported to XXXX and my credit report now show this alleged debt. I called and provided them the exact date when I requested to verify debt and dispute. I was told they allegedly sent verification XXXX. I never received any verification of debt. Collector I spoke to was hostile and was not letting me finish speaking. I told them they never provided verification of debt. Collector said it is for a medical bill from XXXX year XXXX. This alleged debt should be verified as requested, they never provided this. The collector 's threat is that they will just continue to repeatedly report to Credit Bureau if I dispute and before I could say anything she hang up on me. I double-checked the information provided to XXXX and found inaccurate information. 
In summary : - Phoenix financial Service never provided verification of debt. 
- Phoenix Financial Service states the alleged debt is for an unpaid medical bill year XXXX. 
- Phoenix Financial Service reported alleged medical debt to Credit Bureau, a debt that is not verified.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2022-09-28
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. (CA)

On XX/XX/2022 I filed a dispute in the Transunion website about my credit report. In their report they were duplicating my student loan balances that have been transferred from XXXX XXXX to XXXX XXXX and subsequently transferred to XXXX. My credit report with Transunion showed as I had double the amount of student loans : the original balances with XXXX XXXX before the transfer appeared as open with the original balances instead of {$0.00} balance and that they had been closed and transferred. Transunion never contacted me with the results of my dispute. On XX/XX/2022 I checked again my Credit Report with Transunion and the errors were still there. 

I tried to upload the letter or statement from XXXX XXXX showing that all my student loans had been transferred and the balances was {$0.00} and thus the accounts closed. When I completed the dispute and uploaded the letter/account from XXXX, the website of Transunion states Dispute Temporarily Unavailable. When I double checked I did not see any record of my original dispute of XX/XX/2022 or the follow up dispute of today XX/XX/2022.
Consumer complaint received 2022-09-24
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DC)

This is a follow up to Complaint : XXXX. In that complaint Venmo asserts that the reason I can not add my bank account is due to not being in a place that Venmo is familiar with and thus it is being blocked. That is patently false. I am in my apartment, my primary and only residence, when trying to add my XXXX XXXX Account. I have tried adding my account on my laptop, my XXXX, and my tablet, all of which have resulted in " errors. '' These errors give no information other than " an error has occurred, please try again. '' This is a system error on Venmo 's end and has been an error for well over a year at this point. Their previous " solution '' and " response '' is a fabrication with no basis in reality and continues to show why they are the subject of several federal investigations and lawsuits by Attorney Generals throughout the United States. It's even more egregious as their is no area within Venmo to check to ensure the address they believe you're located in is the correct one. 

As it stands every time I try and set up my bank account for deposit/withdrawal it says that it succeeded only to come back and error out with a " form submission error. '' I receive an email from XXXX XXXX stating that my information is now being shared with XXXX/Venmo but nothing happens. This is a problem on Venmo 's end and needs to be corrected. It does not matte if I try and add my bank account manually or through XXXX