davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (OR)

I received bill from the debt collector, National Credit Systems, in XX/XX/XXXX. Immediately I called them to find out what the bill was and was told it was from my previous apartment. Upon reviewing the bill, I found that the bill included rent from AFTER I left the apartment and cleaning, damages, etc. I immediately disputed the debt by letter sent on XX/XX/XXXX. I kept receiving calls demanding full payment and was told that I " did not dispute '' correctly. I then sent another letter to request written explanation of how to dispute, and I sent additional proof of my contested amounts. That letter was written XX/XX/XXXX. I have not received any letter explaining the dispute process but I was reported to the credit bureaus. I called the debt collection agency on XX/XX/XXXX to ask about the status. I was told they are waiting for the original property management ( their " client '' ) to respond to my debt dispute. I asked if they had notified the credit bureaus of my dispute or just my debt. They said they had notified them of the dispute as required by law. I called XXXX  and they had the original amount of the debt reported as outstanding but NO notification of my dispute. I am also questioning whether or not the original property management actually determines the validity of my dispute - from reading online it sounds like the debt collectors actually buy the debt and then deal directly with the person owing. I don't think they are being honest about the process and certainly not honest in their dealings with me. In addition, they have reached out to my ex boyfriend about this debt and discussed it with him though he had left the apartment over a year prior to my vacating so I am unclear why that is happening. Though I am finding that the apartment did not process his removal from the lease nor the addition to the lease of my then new roommate when that happened in XX/XX/XXXX. This has lead to much of the confusion with this entire bill - unfortunately the bill was never presented to me until it ended up across the county with the debt collector. The property management company refuses to return my calls and has only communicated with me through the XXXX  XXXX  XXXX   in our state. I am at a loss on how to clear my record so that I am able to rent again when I relocate in XX/XX/XXXX.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX contacted Santander Consumer USA on my credit report reading ( 30 days late ) vehicle has been paid off since XX/XX/2014. And that in the system it's showing a lien or something on the vehicle because I can't get the titles to the vehicle. I'm in the process of trying to buy a new house and this is holding up my process of what needs to be taken care of. I need to resolved the problem
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CT)

On XX/XX/XXXX, I started receiving phone calls from various numbers on an almost daily basis. I screen my phone calls so I only answer calls from numbers I know but when I saw a flood of strange numbers, I started using XXXX to identify the numbers. I noticed a pattern of the calls were from Midland Funding, calling under different numbers maybe six or seven different numbers. They never left a message. 
I know of Midland Funding, what they do, their reputation, etc. I know theyre a company I have no interest in dealing with. Since they never left a message, I have no idea if theyre even calling for me, they could be calling for a prior owner of the phone number. If they are calling for me, I have no interest in doing business with them, no idea of any accounts they could be harassing me over. Furthermore they are in violation of the Fair Debt Collection Practices Act, 1692g, as many more than five days have passed since their initial XXXX XXXX call and they have not sent me a validation letter, or any letter. I have no idea of an account number attached to this account, if there is one. 
If they are calling for someone else on my phone number, I expect them to delete this number from their system. The phone number is ( XXXX ) XXXX for them to investigate. If their purpose in calling does involve me, I expect them to close the account in exchange for their violation of the law.
Consumer complaint received 2023-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under anon end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-08
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: CITIBANK, N.A. (TX)

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 A 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 ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 2023-03-07
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXXXXXX XXXX XXXX XXXX DPT EDXXXX XXXXXXXX DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-22
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021, I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Telephone number is ( XXXX ) XXXX. I tried to obtain financing through their 3rd party company, XXXX XXXX. While I was completing the application on the agent 's tablet, she had me complete an application through Synchrony Bank. I did NOT authorize them to run my credit for Synchrony Bank as I knew that I would not qualify, but also Synchrony Bank runs a hard inquiry. I received notification that Synchrony Bank ran a hard inquiry from XXXX. I tried to contact XXXX XXXX and they told me to call Synchrony Bank. Either way, I did NOT give authorization for this credit check inquiry to happen.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (FL)

I issued a standard billpay to be sent from XXXX to an M & T RV Loan due to arrive XX/XX/2021 as I have done before. Then as XX/XX/XXXX approached, the billpay had not cleared. 

XXXX confirmed the check was cut and sent on time. I called M & T and they stated there was a XXXX delay and lots of billpay checks were late. They were aware, they waived the late fee ( as shown in the attachment ) and assured me it would NOT affect my credit. 

On XX/XX/2021, I put a stop pay on the XXXX billpay check ( PER M & T 's REQUEST ) and paid the amount directly to M & T. 

Once again they assured me it was not my fault and it would not affect my credit. 
Well it DID affect my credit resulting in a 150 point drop and the reduction of at least 3 credit lines. I called M & T and they told me sorry nothing they could do, take it up with the credit bureaus. Thus far, the credit bureau disputes I have submitted have not fixed the issue. My credit and credit lines were massively hit and no one will correct this. I was not late and M & T ASSURED me this was not my fault and there would be no penalty for me.
Consumer complaint received 2023-03-08
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: AMERICAN EXPRESS COMPANY (CA)

I recently placed an order online at XXXX, using my American Express credit card, the item was successfully delivered to me albeit the item was damaged. I reached out to XXXX to try to return the item and explain to them that item was damaged and they told me that the damage had occurred during shipment, and that they were not at fault, I reached out to XXXX, a couple of more times, and they proceeded to close my account for violating their terms with too many returns, from from there, I initiated a dispute with my credit card via American Express for the dispute for this purchase the dispute was denied in favor of the merchant, stating that XXXX had done no wrong, I informed American Express that I had received the damaged item and that XXXX had close my account and without an open account there is virtually no way to get in touch with XXXX so now I am stuck with an item that is damaged, and no physical way to reach out to XXXX to further try to return the item anymore, I dispute a charge with American Express, and was denied so I proceeded to resubmit the dispute again, and it was the night again with the same results so I was told by a friend to reach out to you guys, attached are the emails from XXXX stating they closed my account and theres no way for me to go to my account to return the item
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

On XX/XX/23 I made 3 hotels reservations, ( 2 in Utah, & 1 in Nevada ) using my Mountain America Credit Union, ( MACU ) Visa credit card. On Monday XX/XX/23 when checking my visa account on line I noticed there were 2 separate fees 1 for {$3.00}, the other for {$.00} with the description of, " card fee visa international service assessment date card '' .These fees were above and beyond the charges for the hotels I had made. I went to MACU XXXX UT branch and inquired as to what these charges were for. Spoke to a teller XXXX who informed me that this was a charge applied by hotels.com for making an international transaction of some sort. This was not an international charge, it was made in the U.S. for hotels located in the U.S. He ( XXXX ) went and got his supervisor who refused to remove the fees and told me I'd have to contact hotels.com. I finially got a hold of a customer service representative from XXXX and they informed me that they did not apply the charge that I would have to contact the bank. I being given a run around by these jerks who have charged me fees for some sort of international service that is absolutely out of line and rediculous.
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Yamaha Motor Finance Corporation USA (FL)

Sirs : Please refer to my prior complaint # XXXX dated XX/XX/XXXX, also against Yamaha Finance . Yamaha continues to stonewall my complaint, and has not provided CFPB with any response. 

Please be reminded that the only possible legitimate late payment occurred on Monday, XX/XX/XXXX, when they processed my regular monthly payment. Because Yamaha does not work over the weekend, they did not process my payment when my banks envelope actually arrived at their Texas XXXX XXXX XXXX I was charged {$39.00} late fee. I disputed the payment in a business letter dated XX/XX/XXXX, to which they never responded. 

Yamaha Finance then began to compound the late fee by alleging that I did not make a full payment by the due date. Thus, to mitigate the dispute, on XX/XX/XXXX, I mailed Yamaha Finance a separate check in the amount of {$39.00}, which was negotiated per my bank on XX/XX/XXXX. XXXX XXXX verification that they negotiated my check is an attachment to this complaint. My check contained the following endorsement on the front : Full and final settlement of all claims for late fees and associated penalties. 
Additionally, on the reverse, I wrote, Negotiation of this check is full settlement of the items on the front. 

Yamaha Finance accepted my conditions when they processed my check. There is ample case law on this point. Despite this fact, however, I just received a Payment Reminder Notice from them that states I have a past due amount of {$120.00}, copy attached to this complaint. Also, I receive almost daily harassing telephone calls from Yamahas bill collectors, who refuse to listen to reason. Note that I had adjusted the date my bank mails their check to Yamaha, so all payments after XXXX have been received on time. 

Respectfully submitted, XXXX XXXX XXXX
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

Apple Card/GS BANK USA Account XXXX. XXXX, XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}.
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC (CO)

I previously filed complaint XXXX with CFPB XX/XX/XXXX regarding GoodLeap LLC XXXX The company response was that they would respond to me directly by mail, but they did not send a response to the complaint. 

I also filed a complaint with the Department of Financial Protection and Innovation on XX/XX/XXXX - complaint # XXXX. GoodLeap responded to the complaint on XX/XX/XXXX stating in short there were errors and confusion, and they mishandled the assumption process and would have all negative credit reporting removed from my name. Signed by XXXX XXXX - Fraud Analyst of XXXX As of the date of this complaint, GoodLeap still has not removed the negative reporting. I have contacted them to request removal and they have not responded or removed the negative information from my credit report. 

I have disputed this with the credit bureaus as well - GoodLeap continues to respond to the credit bureaus the information is valid - even after admitting their mishandling and the information needing to be removed. 

GoodLeap is claiming I opened an account with them in the amount of $ XXXX on XX/XX/XXXX. I never signed an agreement to assume $ XXXX in debt with GoodLeap or LoanPal. They do not have a signed contract to support this account. 

When I request support for the account, they forward an agreement with LoanPal in a lesser amount - that was subsequently voided. They left this important information out of their response to the Department of Financial Protection and Innovation - complaint # XXXX. 

GoodLeap admits they made errors and was confused as noted in the attached excerpts. They are also aware they do not have a valid agreement to support this debt. They are maliciously reporting negative information on my credit to intimidate and bully me into assuming someone else 's full debt, due to them ( admittedly ) mishandling the process. 

GoodLeap 's malicious behavior is not allowing me to continue my business affairs and making me loose income.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NM)

Marriott XXXX Visa Card with Chase Bank : Paid {$830.00} on XX/XX/XXXX in advance of the XX/XX/XXXX Due Date. 

Payment was reflected in reduced balance on that date but available credit still reflected as {$0.00}. 

Money was taken out of checking account on XX/XX/XXXX. Available credit still reflected as {$0.00} on XX/XX/XXXX. 

Contacted Chase and was told that it wouldn't be until XXXX  XX/XX/XXXX that credit would be available. 

No explanation was given as to why they had my money - it was in their pocket - and I could not utilize those dollars for a week 's time. Chase was earning interest on my {$830.00} and I couldn't use my own money!
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I write to share a bad experience I had with Bank of America several days ago. 
On Sunday XXXX XXXX at around XXXX I called Bank of America to make a payment on my credit card as I do every month. A payment of {$500.00} was made on an account with a remaining balance of {$5400.00} and a credit line of {$31000.00}. Several hours later I checked my email and saw that my transaction confirmation was received, and was incorrect. BoA 's automated system had mistakenly charged my account the entire balance of {$5400.00}, not the {$500.00} payment I had requested. Immediately I called BOA to apprise the bank of its error. It took nearly 30 minutes to be connected to someone, a real person, to explain the situation and ask to have it corrected. That person was a supervisor, XXXX # XXXX. Despite my protest and request that the tape be played to ascertain if I was correct about the amount to be paid, I was repeatedly told nothing could be done for 48 hours. That was the system and it could not be altered, I was told quite emphatically.

Yesterday, 48 hours later, I called the bank 's credit card division to get the error corrected. After 20 minutes of trying to follow-up and find a person to deal with, I connected with XXXX. I explained the situation. The tape of the original call from 2 days earlier must have confirmed the bank 's error. I was told that {$5400.00} would be returned to my ( checking ) account within 10 business days. Again I protested : why not wire the funds into my account immediately. No it can't be done that way I was told, and no apology for the error was received. ( Had the situation be reversed, I would have been charged a large penalty for my error. ) Fortunately, I had adequate funds to cover the withdrawal. Had that not been the case, a troubling series of events would have occurred. Although I've paid my account this way -- through the automated XXXX XXXX XXXX for decades, it was the first time an error was ever made involving my account. Nonetheless, I still wonder how often this exact situation occurs with other BOA customers. I suggest the CFPB check around to ascertain how widespread a problem it is, if it's a problem at all, as any snowball effects could damage someone's credit. Further, I ask that you checkout BOA 's automated phone system and try to connect with someone. Good luck, it's a challenge. 
PS. I intend to sent this same email to BOA CEO XXXX XXXX.