davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (MI)

Every day since XX/XX/XXXX, I have been getting calls from debt collectors. I do not have any debt that isn't actively being paid - the only thing I owe on is my car, and I have been making regular payments. I have student debt, but am not required to make payments on it until XXXX of this year. 

Phone numbers I have been called from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And more recently XXXX XXXX XXXX XXXX XXXX XXXX I was given an email on the XXXX as well, stating that they had called me repeatedly to settle this unknown debt and would be forced to take legal action if I did not pay. They claimed I had committed check fraud and " theft by deception '', which is untrue. To up the stakes and make me feel even more threatened, they listed my bank account routing number, my social security number, and all manners of other incredibly personal information in this email. Again, that was the FIRST day I had ever heard from them. Since then, I have been getting three to five calls every single day. I changed my number when I was added onto my husband 's XXXX account, and they started harassing me there, too. This needs to be resolved.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America sent me an Email saying my card ending XXXX is expiring soon & on XX/XX/2022 new card was mailed to my address. 

On XX/XX/XXXX XXXX fraudulent charges were made to my account for a total of {$3900.00} from a card that I never received. 

I immediately called the Bank of America 's fraud department to report the first charges which were {$700.00}. While I was on the phone, XXXX additional unauthorized charges were being made to my account. I was informed that the bank will review my claim & follow up with me. The aforementioned card was closed and a new one was issued with a new number. 

On XX/XX/2022 a letter was sent stating that my claim has been reviewed but unauthorized charges were not removed.
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Leaders Financial Company (NJ)

XXXX $ Date opened XX/XX/2018 I spoke to the owner ( XXXX ) of the company ( leaders financial company ) And he removed that and added it to the new loan I took that time and I paid of everything to the company Not sure why it showed late payments in my account for almost a year or more
Consumer complaint received 2021-04-30
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 ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2021, 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 Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-01-03
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (GA)

The following credit card account is listed on my credit reports as charged off. However, when requested a copy of the 1099-C so that I can report it ( write if off ) as income, no documents have been provided. The denial to provide tax documents is alert of fraudulent activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NJ)

On XX/XX/2021, I XXXX  XXXX XXXX to discuss a billing error ( not a fraudulent charge ). I dialed the number on the website which unbeknownst to me was a spoofed XXXX site. 

After explaining my billing issue, I was told an old XXXX I had traded in was never wiped clean of my banking information. I was asked to download an app called XXXX so he could unlink the old phone. He had me make two transfers from my M & T banks XXXX service - one for {$1500.00}, the other for {$990.00}. 

When I asked how I would be refunded, I was told to go to a convenience store and purchase XXXX  gift cards so he could refund the money. I had no intention of purchasing them, but I wanted a witness to what was happening. Mr. XXXX XXXX, the manager of the XXXX XXXX in XXXX, NJ agreed to be a witness to this scam. 

I went immediately to my M & T branch in XXXX to report the fraudulent activity. Because I do not have a separate XXXX account, my only recourse was to file a dispute with the bank. 

My dispute and two appeals have all been denied because I was scammed, not frauded. I have received no written or email correspondence from M & T. I only know about the denials because the branch manager verbally informed me when I kept going to the branch to check the status of my claim.

I believe my rights under the recently published CFPB compliance aid that prevents banks from exploiting loopholes in Regulation E are being violated. In XXXX, the CFPB ruled that a consumer who is fraudulently induced into providing account information has not furnished an access device under Reg E.

I have supplied the two attached articles to the bank, and they are still denying my claim.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I have been in contact with XXXX XXXX XXXX regarding a debt that is reporting to my credit report that is not owed. I have received documentation stating that I don't owe the amount and that this account is to be removed from my credit report immediately.
Consumer complaint received 2022-09-21
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. (TX)

Transunion It seems that XXXX  XXXX is reporting to you on 2 accountXXXXand XXXX but they want me to give them information, THAT TELLS me that they do not have the documentation to report anything Documents enclosed as fact
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

Re : Loan ID XXXX On XX/XX/XXXX I checked the XXXX online portal and it shows that there is currently a balance of {$1000.00} in the escrow account. 
I am not understanding this figure because on XX/XX/XXXX, NewRez disbursed {$6600.00} for Insurance Premium from the escrow account. My current insurance company refunded {$3600.00} to NewRez on XX/XX/XXXX. 
I made mortgage payments ( {$2000.00} ) for XXXX and XX/XX/XXXX, respectively. 
{$940.00} from each payment in XXXX was allotted to " escrow ''. 
How is it possible that only {$1000.00} remains in escrow? 
NewRez also indicates that I owe {$130.00} towards Mortgage Insurance. I disagree. 

It has always been very difficult trying to get to or communicate with NewRez. My calls are usually transferred between different departments. 

I am currently trying to separate myself from NewRez but there are unexplained delays. They have been tardy in sending a payoff request to my proposed refinance lender. During which time they sent me a counter offer. That looks suspicious to me.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I put in a credit request XXXX XXXX XXXX They pulled 2 reports And TransUnion is XXXX Lower score then the other two. @ XXXX With no derogatory or miss payments on my account. There should not be that much discrepancy in the different reports without something not being calculated or done right.
Consumer complaint received 2021-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY ()

Dear team I have used amex card more than three years later on want to close my card called multiple time and request to close the card after one month finally i close the american express credit card on XXXX XX/XX/2021 also i have received mail from American express your account has beed closed you can trash the card so that i follow the same. Also i check on the normal XXXX report like a XXXX  its shows account closed then after couple of month XXXX they called me they said in your XXXX there was the transaction of one lak and i explain them i closed the card on XXXX month itself how its possible and they told you are the responsible the card payment orelse you can diapute to the customer we can claim from vendor. 
I told them unneseecory with out anything i cant complaint to vendor. 
Now they hit me in cibil score paymnet pending from XXXX and XXXX month. 
My question is if when i close the card that time was no pending Payment they clear everthing. 
Now they are coming with big amount of one lak. 
Can't accept this fraudlent from american express.
Consumer complaint received 2022-06-24
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. (MT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}. According to FCRA Section 605B ( a ) the 3 CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to update the phone number on my fraud alert. I've sent TransUnion a number of documents, and a number of requests, to change this. I need to change the phone number to XXXX. TransUnion has said due to glitches they need documents mailed in. They've received those documents multiple times and have still not resolved my issue. This is causing me many issues. I am hoping through here, we can resolve this.
Consumer complaint received 2022-12-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX - XXXX  closed my account for being 60 days late on a payment. 

XX/XX/XXXX - XXXX changed companies handling their auto-payment They say they tried to contact me. However, I never received any postal mail or e-mail letting me know my auto-payment would stop. If they called, no voicemail was left. 

XX/XX/XXXX - I saw a 120-day late payment hit my credit report. I immediately contacted XXXX to find out what was happening ( I have e-mail correspondence ). I was told about the change in auto-payment companies and immediately set up auto-payment again and brought my account current. 


Here are some things to note. I have been on auto-payment since XXXX and have not charged the card since XXXX, perhaps in XXXX. For 5 years, I have been on auto-payment with this card without using it during that time, so I was not watching for the {$39.00} a-month payment. I did not see that it was no longer being paid and had no reason to believe it wasn't. This has destroyed my credit when I need it most, post-Hurricane XXXX and I can not get the credit I need due to this. I feel that I have shown to pay on this account on time for years then to have the bank change the company they use I get severely punished.
Consumer complaint received 2021-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (VA)

Repeat calls and messages to return call about a debt to bull city financial. I owe nothing to anyone, never charged anything etc. Maybe they have the wrong number and or person but they need to stop especially since I'm on the no call list. 
Number calling is XXXX XXXX XXXX
Consumer complaint received 2021-11-25
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. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the inaccurate information about my account has been diligently neglected by TransUnion. Despite sending them the last request, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the incorrect information about my account is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that are still reporting on my report : XXXX XXXX XXXX Balance {$130.00}
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to a XXXX XXXX  and asked for my XXXX XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on my report
Consumer complaint received 2024-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Form 1099-C ( Cancellation of Debt ) Dear BARCLAYS BANK DELAWARE , I am writing to request that you issue a Form 1099-C ( Cancellation of Debt ) for the debt that was canceled in my account XXXX with your institution. As required by IRS regulations, I understand that you must report any canceled debt of {$600.00} or more, and I want to ensure that this is accurately reflected for my tax reporting.

As reported in my credit reports, the canceled debt relates to the amount of {$2600.00} and was discharged on XXXX. Please send the 1099-C to my address listed above or provide instructions if there are any further steps required to receive the form.

If you need any additional information, please do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

In XX/XX/XXXX19 my automatic payment was not withdrawn from my account and I reached out to the finance company and they said it was an error on their end, because of this error I incurred a 30 day late payment which was not my fault.
Consumer complaint received 2022-06-24
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. (IL)

In the month of XXXX, I sent a letter to Experian asking them to reinvestigate 3 items on my credit report. The items were collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I asked that the company provide me with physical documentation of how they verified the debts. I requested to be provided with original contracts bearing my signature and other physical documentation to support the information displayed on my credit report. Otherwise, anyone paying for Experian 's reporting services could fax, mail, or email a fraudulent account. I also disputed multiple inquiries from Experian and they were never investigated.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I had Great Lakes as a servicer for my loan and it transferred to Nelnet. I applied for the SAVE program XX/XX/XXXX directly through through the federal government and was told it would be under XXXX dollars. I also connected my IRS account to my loan and provided my work pay stubs. It has been MONTHS and my previous payment was exactly the same as Nelnet has it now. So they illegally sat on my SAVE application and did nothing to process it. Now it says payment due of {$670.00} and it is wrong. I will not tolerate the scam and con Nelnet is doing as they are doing it to thousands of people which is all over the Internet to see. Nelnet always is problematic company and this is why I DID NOT WANT THEM SERVICING MY LOAN and as a person with a XXXX I am holding them accountable for their disgusting behavior. They never answer the phone and I am not sitting on hold for XXXX HOURS with their terrible customer service as a person with XXXX as it causes severe stress and can trigger a XXXX. I demand Nelnet process my SAVE application immediately and put the payment at what the federal government said it would be. I am not suffering damages on my credit because Nelnet wants to pull a con and has slow and terrible customer service.