davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MRS BPO, LLC (MD)

On XXXX XXXX I paid the agreed settlement amount to MRS , in which it would be removed from my credit. My credit is not updated and its affecting me and I would like it removed. I tried to apply for a loan and was denied due to this matter.
Consumer complaint received 2021-01-21
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: U.S. BANCORP (TX)

Elan/VISA/USBANK continues to accept bills from XXXX XXXX XXXX even after refunding several previous identical monthly charges ( of {$48.00} ). They claim they are unable to simply block further transactions from XXXX and that I must instead cancel or change my cc number which places on me the unfair burden of having to contact the many other vendors with whom I have monthly automatic payments. 

Ref : letter from XXXX XXXX XXXX XXXX XXXX, ND XXXX dated XX/XX/2021 with CaseID XXXX. Footnote : The creditor, issuer and service provider of your credit card is Elan Financial Services.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OR)

Navient Federal Student loans should be deferred due to unemployment and COVI-19. Navient continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2023-06-30
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: First National Collection Bureau, Inc. (ID)

They have stalked me and my wife multiple times and have called and harassed me and threatened my life. I would like to report them as there tactics are not ok. They need to stop harrassing me and my family.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

I use to be a resident who moved out of XXXX at XXXX XXXX XXXX, after moving out when the lease was over I was contacted two weeks later from the leasing office making reference of owing XXXX dollars for damages. When I asked what damages, I was told bedbugs, and garbage left in the apartment. I refused to believe that because for one, I never had bedbugs and second, the apartment was left clean and damage free. When I asked for evidence such as pictures I was not given an opportunity which makes me believe they made up these allegations to keep my deposit. I'm familiar with Georgia tenant laws and guidelines that must be followed and I assure you none of the guidelines were followed by XXXX at XXXX XXXX XXXX. I was never given a list signed by a employee in the leasing office, I was never allowed to enter the apartment to see if the damages was true so in the event I would honorably be able to handle the damages. To add insult to injury this debt collection company named National Credit Systems Inc. who I have no contract with concerning this alleged debt decides to trespass by taking my social security number and damaging my credit by reporting that I owe them an alleged debt they obviously paid pennies on the dollar for, in order to try extort me for funds. To keep in honor I sent them a negotiable instrument and affidavit to satisfy the debt by registered mail. To this day they still have the negotiable instrument and still damaging my credit.
Consumer complaint received 2021-01-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

On XX/XX/XXXX I received a letter from NewRez saying that they were placing Lender bought insurance against my property for lack of insurance between XX/XX/XXXX - XX/XX/XXXX. However, on XX/XX/XXXX, I had faxed over copies of flood insurance and hazard insurance. ( Fax Confirmation attached ). I again sent them copies on XX/XX/XXXX, Fax confirmation attached. On XX/XX/XXXX I called NewRez customer service and was told that they had copies of my required insurance documents and they would send the information over to the insurance department to get the lender placed insurance cancelled. On XX/XX/XXXX, my escrow account was billed for the lender placed insurance in the amount of XXXX. On XX/XX/XXXX, I contacted Newrez again and they stated that they would send the information over to the insurance department to get my escrow account refunded. THey also stated that I would receive a letter of cancellation. On XX/XX/XXXX I received a letter from NewRez Compliance department that no disbursement was made, therefor I was not entitled to a refund. They also stated in the letter that all insurance documents had been received in XX/XX/XXXX and that the lender placed insurance had been cancelled. I contacted NewRez again through their customer portal stating that my escrow account had been billed. Again I received another letter from their compliance department on XX/XX/XXXX stating that no disbursement had been made.
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (AZ)

I had a payment made through thier square app in which I sent a link to the client to make a payment for the education they are paying for. I am a XXXX XXXX instructor. I sent all paperwork they asked for as well as bank info pictures of conversations between myself and the client. Client asked me to call so he can make a payment for his daughter 's certification. I sent a credit card authorization form to show they are aware of NO CHARGE BACKS. THE AMOUNT WAS FOR {$4500.00} they are holding {$4300.00} for 90 days and deactivated my account and won't tell me why! They collected a fee in which they are apparently doing to many people. I have no access to this money. I use this money to provide my student with the supplies they need and it's how I live. They have no right to keep it held for 90 days or totske a fee if they deactivate my account without reason. I have read that thier is a class action lawsuit filed on them for these reasons. I say boycott Square and XXXX.
Consumer complaint received 2021-11-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (WA)

I had some XXXX  XXXX  and my family member also got sick with XXXX  XXXX.. I asked if we could a deferment. The mortgage company told me I could go 6 months to a year with no problem that the president signed a program to help families with XXXX  XXXX and its no problem. They called it a forbearance. I was so delighted they would work with me. Since the beginning they have harrased me. I'm XXXX XXXX XXXX veteran and my income is XXXX from the VA and XXXX. Now my home owners insurance was included in my payment. I changed insurance companies back in XXXX. Shortly after that the insurance company XXXX explained they are not being paid by my mortgage company. It was set up at closing to be paid by the mortgage companies. A manager helped me with a 3 way call. The mortgage company has been refusing to pay and put forced place insurance in my home. Even though I found out there is an overage in my escrow account the mortgage company told me they don't set up escrow to pay insurance only taxes. They told XXXX they will now pay them as of yet I have been paying my homeowner insurance as they have still lied over and over about paying it. They collected it though. I don't want to lose my house but I'm getting to the end of my rope with this mortgage company.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Comerica (TX)

I attempted to open a corporate account for a business, which I recently purchased in XX/XX/2020. 

I was met by a personal banker at the Comerica Bank branch, who took my contact information and business name, and told me I would be contacted for an appointment to bring in my business registrations and complete a formal application. 

A few hours later i was contacted by phone by the banker and was informed that my business account was declined, although I was never given an opportunity to provide the necessary documentation for my business. 

When I asked what was the reason for the denial, the banker was unable to provide a reason for the decline. At that point, I instisted on speaking with the bank manager for a better explaination. 

The bank manager contacted me by phone and i explained that I felt racially discriminated against, on account I was declined without ever completing a formal application. Bank manager then asked me " why did youi choose to open an account with Comerica bank '' and followed up with additional quetions, regarding where i live, and other invasive questions. 

I provided answers to the managers questions, and he stated " there are a lot of red flags ''. I explained it was a new business which is incorporated in Arizona and I am currently opening an office locally within the city. The manager 's response was just to " find another bank '' ... and was unwilling to help.
Consumer complaint received 2022-07-04
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, 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 a account without my written instructions
Consumer complaint received 2021-07-27
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. (OH)

I called multiple times and explained to them that my boyfriends revolving accounts were showing up on my credit score and It lowered my score by 60 points and the supervisor XXXX was extremely rude, wouldnt listen to me and kept telling me there was nothing she could do and to call fico. And then fico told me only the credit bureau could fix the problem. Then when I called back AGAIN the same supervisor said she refused to answer my questions but kept saying I already answered that. even though she didnt and everything she was saying didnt make sense. Then told me she was going to hang up the phone on me instead of explaining to me why she couldnt and would not help me. She told me I couldnt speak to anyone higher up than her. She should not be representing a credit bureau. And I feel uncomfortable with her handling my personal information. Someone who cant handle pressure should not work in this line of work.
Consumer complaint received 2021-01-20
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. (AL)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-20
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2021-01-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Consumer Finance, Inc. (CT)

On XX/XX/XXXX I began doing business with United Consumer Finance, unfortunately during now and then the vehicle was in an accident and completely totaled out. I have tried to reach out to the company numerous times on my behalf, this company is claiming that I owe them XXXX. 

On XX/XX/XXXX I sent out A 1st Debt Validation Letter which was not responded to within the 30 days. 
On XX/XX/XXXX I sent out A 2nd Debt Validation Letter which was again also not responded to. 
On XX/XX/XXXX I sent out A 3rd Letter which stated that I will be seeking further legal action on this case to help me remove this off of my credit report and once again the company failed to respond back. 

Today is XX/XX/XXXX - I still have not heard back from this company that is saying I have a balanced owed of XXXX.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Tearful despondent ..upset. I am a victim of bank fraud. Someone washed my check which I was paying my utility bill with ..applying a persons name payable to and a large sum of money of {$8500.00} was withdrawn from my checking account.. and this happens on the day that I buried my list surviving relative my uncle.. My bank is Citizens Bank. And the check was cashed by XXXX XXXX  XXXX XXXX have been fighting this ..since XX/XX/XXXX I am beside myself I am recently a widow a senior citizen turning XXXX. I need this money to live on I have bills health insurance bills ..I have a mortgage I am beside myself. I called the bank every day and of course they tell me that its still In the escalation department I am so beside myself. I need your help to get my money back this money is rightfully mine. The bank never notified me of this check being cashed. XXXX XXXX. My phone number is XXXX.
Consumer complaint received 2020-12-03
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. (FL)

THE ACCOUNT/LEASE LISTED IS FRAUDULENT SOMEONE USED MY NAME SOCIAL SECURITY AND PHOTO ID TO GET A APARTMENT LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AUTHORITIES ABOUT THIS IDENTITY THEFT REPORT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MI)

I am a Chase Privat Client, at least that is what they told me. I got notification tonight that {$26000.00} was taken out of my account. I now have no access to my own account. I have called Chase and waited on hold 2 separate times for 1 hour ( 2 hours and counting ). No one will answer. I have a large business account that I no longer have access to. I need help ASAP. They will not answer the phone.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I've had several inquiries added to my report over the last several months that I didn't approve and that I am unaware of. It shows I was a part of a dadt breach from XXXX  and XXXX XXXX. I contacted the police last year because I received a random call from somebody saying I had accounts open In Texas which wasnt true. Now I'm showing inquiries on my report like someone is trying to put something in my name I've also contacted the police again about this they have told me they can not do anything about inquiries because they can't prove anything was actually stolen from me. I've also contacted the credit beureas and transunion and XXXX says they can't do nothing without a police report, but the police said they don't make reports for situations like this. 

The inquiries are XXXX XXXX XXXXXX/XX/XXXX Informative information XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Please help me remove these inquiries and further protect my report from this information being exposed. I have not opened any accounts in my name or attempted in the last 2 years.
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

Today XX/XX/XXXX I opened a letter dated XX/XX/XXXX in the mail addressed to myself stating that I had a balance with XXXX Amount due {$670.00}. It was from ERC stating trying to collect a settlement from XXXX. I called the phone number listed # XXXX, at XXXX XX/XX/XXXX. A woman named XXXX answered and I told her I never had an account with XXXX in my life. I told her no. She went on to tell me I must pay {$200.00} and something dollars XX/XX/XXXXShe said maybe it was fraud-I asked how. I have alerts for fraud on my XXXX XXXX account. She asked if it was from XXXX. I said if I had something in XXXX I would have been contacted prior to this-it 's XXXX. She started to tell me they would take action-I told her the state of Pa has a Statue of Limitations and hung up on her.
Consumer complaint received 2021-01-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (AZ)

This item appeared on my credit report, I never received any letters from this company. Once I reviewed my credit report I immediately sent a letter for the agency to validate this account as per the Fair Deb Collection Act. I have documentation that the agency received the request for validation on XX/XX/2020. Once I did not receive a response nor any documentation to validate this account as well as their license number, I disputed the account with the credit bureaus to have them remove. The agency responded to the credit bureau stating valid. However ; they never validated this account with me.
Consumer complaint received 2022-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I had a {$300.00} credit limit with Capital one. The police took a rental car from me during a raid on a house I was at XXXX day. There was nothing illegal in the car. Me and my attorney informed the airport what happened cause they didnt return the car like they said they were going to do. Then the credit card company allowed the airport to make a large purchase more than my credit limit. I believe it was around XXXX. I didnt pay the company so they passed the info to a collection agency and they were calling me. I informed them of the incident and put a dispute in but was denied. I asked how the company allowed a purchase to be made that was more than my limit. The company still calls me ( XXXX )
Consumer complaint received 2021-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I opened an advance checking account with HSBC on XXXX XX/XX/2021. 
I followed the link in the marketing landing page for a {$200.00} welcome bonus after certain requirements were met. I made a print out of the page which I used to apply for the account ( attached ). 
Met all of the requirements and the bonus was supposed to post on XX/XX/XXXX. 
I messaged HSBC via online messaging on XX/XX/XXXX to ask why it had not posted and they say I did not follow the correct link to apply for the account. I believe they have made an error as I applied via the " Apply now '' link in the offers landing page.