davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

The company iims trying to tell me I owe the XXXX bucks i never opened a card never had a credit card they won't take it off collections this is a total scam I never used a card. Why can they do anything they want and ruin my life this is not the America I fought for this is pure dictatorship.
Consumer complaint received 2022-06-20
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: STERLING JEWELERS, INC. (MD)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL ()

sams club credit card payment was made on XX/XX/XXXX and my billing cycles end on XX/XX/XXXX. They do not award the payment for the month of XXXX and they bill me high charges. call customer service and they tell me that they can not reverse it that I must pay the invoice. the minimum payment is XXXX and they are billing me XXXX dollars. when the payment was made on XX/XX/XXXX.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (CA)

There is numerous interference with my money. Cashing checks, I was told that it is going to take a week. BMO does not allow me to set up XXXX and claiming that my cell phone number is not good for XXXX. My email is used with a different bank that they saw. BMO does not allow me to use my debit card. No explanation arrived to me email. It looks like conspiracy. The staff at the branch is not friendly and cover up each other. Do not care about the customer. BMO imprisoned thousands of my money and I was not able even to pay my rent. 

To CFPB My phone number is XXXX. Do not assist criminals, please. The phone number ending with XXXX, does not exist for XXXX  months. I already asked to delete it and change.
Consumer complaint received 2023-05-21
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 (WI)

I called my lender when I was 60 days behind earlier this month. cap one and I made a payment plan arrangement as I am a XXXX new mother and called to make a payment arrangement. They agreed to a 3 month agreement at XXXX a month by the XXXX of each month. They subsequently closed my card and said I violated the customer agreement by missing a payment, resulting in a hard inquiry and defaulted to payments I can not make. I discovered this when I opened a letter sent by them on the XXXX and received by me a day before my payment. My credit score has been compromised and my public assistance and doctor 's sign off that I'm permanently and totally XXXX were documents I offered and they said they didn't need them and they wouldn't help negotiate a better agreement. I told them I'd still work with them and they have seriously damaged my credit and didn't indicate what I supposedly did to violate the customer agreement resulting in damage to my credit score and a payment plan cancelation and I'm told I'm going to be taken to court now. Can you help?
Consumer complaint received 2022-09-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have tried on numerous occasions to get inaccurate information corrected on my credit report, but I can not get Experian to conduct an investigation. They have sent me on the runaround back and forth to the creditor who tells me to dispute it with the credit bureau. My most recent attempt was a letter on XX/XX/XXXX. Experian violated the FCRA by failing to conduct a proper investigation, failing to provide their procedures and continuing to report inaccurate information after being notified.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

I opened a new checking account at the XXXX XXXX XXXX of Chase in XXXX, KY on XXXX XXXX for {$12000.00}. As of XX/XX/2021, none of my funds are available and the Chase representative said I didn't have any deposits pending. As of XX/XX/2021, it has been 11 business days since I deposited the check for {$12000.00}. I have a receipt for the deposit. I spoke with a representative of the bank over the phone ad she said I had {$0.00} available and if I was unhappy with being a Chase customer, I was free to clo se my account at any time, but I would't receive any funds because I had an account balance of XXXX. I want to close my account but not if it means the loss of my {$12000.00}.
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (IL)

I am asking for you to INVESTIGATE these items. The Fair Credit Reporting Act where it said by law, I have rights to challenge anything I am not sure is accurate.15 U.S.C . Sec. 1681i ( a ) states if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted and I have proof they are not 100 percent right and correct. 

Also, In accordance with the Fair Credit Reporting Act 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 consent.

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.- ( PROOF ATTACHED ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

PROOF ATTACHED OF ALL INACCURATE ITEMS. 

XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. U.S. DEPT OF EDXXXX Acct XXXX XXXX XXXX. XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Ordered a PC from XXXX XXXX XXXX Order # XXXX. 

They applied with XXXX with partial of the cost to their " payment system '' to pay off over time. While I put some upfront, the rest I applied for credit for. 

Upon having issues with XXXX filing several complaints and dealing with fraud on their side since I didn't receive the item I purchased. Rather I receive a fraudulent computer with removed serial numbers. Which is against the law. I called up XXXX to let them know that the item was counterfeit. They couldn't find any account information, only that it was attached to my social security number. 

EVERY XXXX attempt I made to get it changed for my personal information, I would have to talk to some XXXX who can't speak english and then deal with their nonsense of NOT UNDERSTANDING ANYTHING. I am saying. Then told me they couldn't access or " Prove '' who I was. When I was literally sending them multiple ID 's. 

I finally reached a manager at one point and sent over the information of the missing parts and PC with the FTC complaint and the PC being junk. The XXXX company also claimed that they wouldn't give me the serial numbers and " didn't have them ''. 

I was told that they would handle it with their fraud team. I was called from their fraud team a few weeks later. We settled the issue, as I thought. Because I dictated to them the penal codes and illegal XXXX that was going on. They claimed the issues was resolved. Here I am several months later seeing that it wasn't. AGAIN, calling their XXXX office up to deal with the same XXXX. Only to get the same runaround. They can't prove who I am. 

SO OBVIOUSLY. It's not my debt, if they have no idea who I am and someone used my Social Security number to make the account. If I can't pay the XXXX bill or am allowed to discuss it. THEN ITS FRAUD. The company supported the fraud and is continuously supporting it by not allowing me to do anything with it. Catch 22 fraud.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX  XXXX {$63.00} XXXX   XXXX {$980.00}
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I applied for a business loan today XX/XX/2020 but I did not get approved because of an account from a company called XXXX XXXX XXXX reflecting badly on my credit report. I had no idea that this account was on my credit because it's not mine ; I never opened this account nor do I have any written or verbal contract with this company and I never gained anything from that account being open in my name such as money, goods, services or any other benefit. I don't know who could have opened this account on my behalf with my personal information but I have never given anyone permission to do so therefor I have already filed a police report. I also never contributed to any payments that might have been made towards that account balance. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I sent the letter regarding inaccurate information on my credit report. It's been over 50 days and I have not received a response. At this point, I feel my dispute is being ignored. Section 611C states that a failure to investigate these items within 30days results with immediately removing these items from my credit report. This items have been in dispute for over 50days and should be deleted from my credit report. I am tend to file a FTC complaint and sue.
Consumer complaint received 2020-07-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (IL)

Loan Number : XXXX Amerihome Mortgage I am writing to complain on Amerihome Mortgage. This is my second complaint. I was told to make 3 Trial payments on time in order to receive a loan modification agreement. I have complied and I was told I would receive a loan modification agreement packet in the mail once I had successfully completed the trial payment arrangement. I was to sign, have documents notarized. I have yet to receive this packet and have been told to continue and make now a 5th TRIAL PAYMENT for the month of XX/XX/2020. I am asking for your help due to the fact my condition financially has gotten more critical due to Covid 19. I can not continue to pay high trial payments and I am asking for your help with the Amerihome mortgage people.
Consumer complaint received 2022-10-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Evergreen Financial Services Inc. (WA)

XX/XX/2022 received a phone call from XXXX XXXX XXXX XXXX. A person stating they are attempting to collect a debt owed to a medical center. The agent on the phone asked if i was ready to make a payment, I informed them that i was not comfortable giving out my financial information over the phone to people who call me. I requested that they send me paper work for the owed amount and where the bill was from and accurate information on payment types available to me. I received no paperwork in the mail. XX/XX/2022 phone call from XXXX another agent contacted me requesting i pay over the phone to them for a debt owed to them for a medical bill. I again stated that i would like to receive a letter stating the company 's name what debt they where trying to collect and options of payment, as i am not comfortable making payments over the phone to strangers who call me. I received no paper work or mail the following months. I received another phone call from the collecting agency this time from a number that is different that I do not remember or can find on my call logs. I stated I am not disputing whether I owe a debt or not that I am uncomfortable making a payment over the phone to a company that has not sent me any paper-work stating what debt I owe or giving me a option to mail in a payment or make a secure payment at a legitimate website. That i would like to receive a proper letter. Then the agent said they would send me something in the mail and that there was XXXX debts this company was now trying to collect. Today XX/XX/2022 I received notice of a " complaint '' that was filed on XX/XX/2022 in XXXX XXXX of residence. Although in the complaint it states the filing date is XX/XX/2022 it was not filed until XX/XX/2022 which is past the XXXX statute of limitations on one of the debts filed in the complaint.
Consumer complaint received 2020-07-06
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: Experian Information Solutions Inc. (CA)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$63.00} XXXX   XXXX {$980.00}
Consumer complaint received 2020-12-05
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: CITIBANK, N.A. (OH)

On XX/XX/2020 to XX/XX/2020 I was traveling from XXXX AZ. to XXXX OH. 
On XX/XX/2020 I checked into a XXXX XXXX XXXX in New Mexico and was informed there was a problem with my XXXX XXXX XXXX credit card which was never out of my possession. 
I called XXXX XXXX XXXX and told them to cancel the card. 
I tried to resolve the problem over the phone to no avail. They gave me a case number for their investigation # XXXX. I called several times over the next few months and was told the investigation was ongoing. I had paid the bill so I would not be charged interest on the bad charges. I was told I did not have to pay disputed charges while they were under investigation but they would still add on the interest charges. 
The charges they never resolved are : XX/XX/2020 XXXX  XXXX XXXX  XXXX SC {$100.00} I was in XXXX AZ XXXX/XXXX/2020 XXXX XXXX CA {$110.00} I was in XXXX AZ XXXX/XXXX/2020 XXXX XXXX XXXX SC {$97.00} As I explained above I was in New Mexico on my way to XXXX Ohio. Based on my credit card statement there is no way I was in any of those locations. 
Based on this information I do not believe CITI acted in good faith.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX XXXXXXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION (GA)

My grievance submission is in process with Cfpb XXXX. XXXX XXXX of Bb & t accessed a debt collection which is exempt through Internal Revenue Service mandate. XX/XX/XXXX {$45.00} expense paid XX/XX/XXXX. Knowing now that 10year debt collection is prohibited I ask to be refunded. And I ask that teller XXXX an personal banker XXXX XXXX be reprimanded due to my arguing dispute. XXXX XXXX is too be holding company for {$45.00} garnishment. Merit is for new expense account to be opened.
Consumer complaint received 2021-08-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (KY)

From XXXX of XXXX to XXXX of XXXX ally auto financing got ahold of me to inform me that I was XXXX dollars behind. I offered in XXXX to pay the entire amount they insisted that if I did it had to be by cashier check from my bank when I explained that my bank close branch office was 5 hours away and I couldn't get on from them but I was willing to get a money order from one of the local bank. I was informed that that just wouldn't work and if I was going to be difficult there was nothing else to discuss and they hung up. This repeated itself in XXXX with the agent calling me a few not so nice names. In XXXX when they called again I informed them that I was more than willing to pay in full what I owed and again the agent demanded I get a cashier check from my bank. I finally got the woman to agree to a money order from a local bank since I had to explain to her that it was almost the same because the money would be paid to the bank when I got it and then to them when they cashed it. She then said that was fine and I needed to have it overnighted I explained that I would have to wait till the first because I am on XXXX from the VA. She informed me that there was no possible way that they would wait the 6 or 7 days till the first and I was just XXXX living of of everyone else. I informed her to get ahold of there legal department before she said anything else she made a few unpleasant comments about not telling her how to do her job and hung up on me. I heard nothing else from them and they continued to take my monthly payments. Then I found out after they repossessed my vehicle this week that I hadn't been making my payment so I did some checking and discovered that they had decided to stop taking the payments on there own decisions. When I inquired as to the reason for the repossession I was informed it was because I stopped paying on it. When I checked I found emails from them that they had decided not to take the payment this i discovered had XXXX going on since the middle of XXXX without my knowledge. I explained to the gentleman I talked to and he assured me that that couldn't be possible but I insisted that he check when he did he got very quiet and just told me the name of the company that did the repossession. I asked him how they could do that and he wouldn't answer. I then informed him that I wanted all the paperwork and records that they had on my lone I gave him till Friday XX/XX/XXXX to have it to me. I have not received it nor will anyone there talk to me
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (MD)

My Name, Social Security Number and Date of Birth was fraudulently obtained and used to open a XXXX account with 3 telephone numbers XXXX, XXXX and XXXX on XX/XX/XXXX with a Washington DC Address where I have never lived, and it was used fraudulently to incur a debt of {$4100.00}. 

The account was delinquent, closed by XXXX in XX/XX/XXXX and I wasn't aware of it until it was sent by XXXX to a collection agency which tagged it to my credit on XX/XX/XXXX. 

I had no clue of all these happening until got a notification from my credit monitoring agency. I have since reached out to the collecting agency and XXXX to report this as Fraud.