davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-27
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: National Credit Systems,Inc. (TX)

National Credit Systems Inc has reported a collection account against my social security number and I never authorized the use of my personal information to this company nor have I ever received any services from this company. This business holds no legally binding contract with me that obligates me to pay for any sort of alleged debt. I disputed the accuracy of this account and they keep sending it back as verified. National credit systems has YET to send me any type of adequate proof that shows me agreeing to pay them. I filed a complaint with the Better Business Bureau and National credit systems responded that they were acting on behalf of another creditor, but 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93 states " The right of subrogation does not exist for a stranger to the transaction. '' It 's illegal to act as a substitute to a contract that they were never apart of. National credit systems is in violation of the law, the FCRA, and the FDCPA. FDCPA Section 805 ( b ) says : COMMUNICATION WITH THIRD PARTIES. -- Except as provided in Section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 
This inaccurate information was reported to the three major reporting bureaus without my consent. 
FCRA Section. 604 says : 604. Permissible purposes of consumer report a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( F ) [ otherwise ] has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
National credit systems has not been in any connection or listed on any contract signed by me and they refuse to properly validate this inaccurate information. Until a contract ( original contract ) is produced with my signature between national credit systems inc and myself, this information must be deleted.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CT)

Dear CFPB Staff, InXX/XX/2017 I applied for, and was approved for a Citi Double Cash credit card. However, since my first contact with them after the card approval, my card has been blocked by a fraud alert, which could not be resolved due to Citibank 's inconsistent and incompetent identification methods. 

My particular grievances are as follows : 1. Citibank is unable to verify me through numbers I own, even though ( a ) I have one number for 1 year, and the other for 5 years ; ( b ) both numbers on are my XXXX credit report ; ( c ) my numbers are reflected in other longstanding Citibank accounts that do not have fraud alerts and are in good standing.

2. Citibank is inconsistent with procedures to follow after failure to identify through phone numbers. One agent asked for numbers of my non-Citi credit cards and tried to verify by calling other banks ; after completing this step, the agent escalated this to supervisors, who promised to call but never did. One other agent escalated directly to supervisors, who again promised, but did not call.

3. One supervisor, whom I reached upon calling myself, were able to prove the identity after running me through a quiz. She gave me a passcode-style reference number, with which I supposedly could bypass the verification upon the next fraud alert. Agents in later calls refused to recognize this reference number, and ran me through grievances 1 & 2. Furthermore, the supervisor made clear to me that I could not bring up the quiz myself, as doing so may trigger an alert and they would not serve the quiz as a result.

4. After the only successive verification attempt ( purely by luck ) detailed in 3., Citibank refused to note the correct numbers to reach me, which leaves me again in the quandary of grievances 1, 2 and 3.

I believe that diligent fraud detection does have merit, but imposing an intransparent, and ineffective phone verification system destroys the usefulness of any credit card. Citibank leaves no mechanism for updating phone numbers in their fraud team database, and is completely inconsistent, incompetent, and intransparent regarding further verification steps should phone verification not work.

I have very pleasant experiences with the fraud teams at XXXX and XXXX XXXX, and believe Citibank is the only institution I do business with that is utterly ineffective at addressing fraud alerts. 

It is my sincere hope that CFPB looks into this matter and bring Citibank into action in repairing their fraud resolution system. 

Best Regards, An unsatisfied Citibank customer
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MI)

I have written XXXX XXXX XXXX requesting the correct balance of a bill that I was not contacted saying that I owe before sending information to a collection agency. XXXX XXXX XXXX was asked several times for information a letter of deletion and they refused to respond. I also wrote the XXXX Credit Bureau requesting the same and no response. This is what happen regarding the questionable XXXX that they claimed I owed. As you can see that this bank do n't notify their customers of any bill allowing a customer the opportunity to pay the amount in question. This was so difficult to do any banking and when I realize this was the wrong bank for me I stopped banking there. Although I had XXXX and was unable to go inside bank because of the XXXX. This bank never sent a letter or called me requesting the questionable amount. I would have paid the money to avoid putting something on my credit. 


XXXX XXXX
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: All State Credit Bureau, Inc. (MI)

I have written XXXX XXXX XXXX requesting the correct balance of a bill that I was not contacted saying that I owe before sending information to a collection agency. XXXX XXXX XXXX was asked several times for information a letter of deletion and they refused to respond. I also wrote the XXXX Credit Bureau requesting the same and no response. This is what happen regarding the questionable XXXX that they claimed I owed. As you can see that this bank do n't notify their customers of any bill allowing a customer the opportunity to pay the amount in question. This was so difficult to do any banking and when I realize this was the wrong bank for me I stopped banking there. Although I had XXXX and was unable to go inside bank because of the XXXX. This bank never sent a letter or called me requesting the questionable amount. I would have paid the money to avoid putting something on my credit. 


XXXX XXXX
Consumer complaint received 2017-10-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

I had bank with XXXX then I started to notice transactions that where not made by me in other states never explained why and never credit back to my account then my account was link to someone phone and personal account they couldnt explain what was going on just excuses that it was my fault then open another account without my consent and unblocked overdraft protection and didnt tell why they did it many many questions not answered plus receiving scam email threatening emails and phone call XXXX claiming to the IRS police saying I have a warrent for my arrest
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

Market feel in XXXX ; rate with Caliber is and now XXXX XXXX ; payments rising so apparently I have an adjustable rate loan that I was not aware of. Caliber has done nothing to assist me at all. 
Now Caliber is pursuing me in the courts
Consumer complaint received 2017-10-27
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. (AL)

On XXXX XXXX I submitted a request to Transunion to review the new credit law information for removal of Public Records that was introduced in XXXX XXXX. Instead Transunion launches a investigation into XXXX XXXX XXXX XXXX Tax Liens being reported on my credit report. The results came back from Transunion as being verified but I received No proof of how or with whom the Tax Liens were verified. I contacted my Clerts Office here in XXXX Alabama and was informed their office DOES NOT report any information to credit bureaus ... the new credit law states The credit reporting agencies agreed to remove new or existing tax liens and judgments that dont contain at least XXXX out of the XXXX pieces of identifying information. Neither of The ( XXXX XXXX Tax Liens that are reporting on my Transunion file contain at least XXXX identifying pieces of my information..
Consumer complaint received 2017-10-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

One main was disputed by all credit bureaus in the month of XXXX. A letter of debt validation was never received in response to any of the disputes. The account was removed from XXXX report ( I have provided the screen shot displaying this information ) but came back verified on XXXX ( I am also attaching the documentation from Experian showing verified status as of XX/XX/XXXX. On XX/XX/XXXX the company One main reached out to me in the form of a letter ( attaching a copy of that as well ) not to provide documentation or any contractual agreements for this alleged debt but a letter willing to reduce the debt amount significantly up to 90 % in hopes that I would contact them and settle and I did not. The letter stated this was the 'Final Opportunity '' and that I had to respond before XX/XX/XXXX. On today XX/XX/XXXX my XXXX credit score took a 96 point  decrease which is detrimental making it very difficult almost impossible to acquire credit especially when you were looking to buy a house in the next couple of months due the account jumping from a closed status to open without my knowledge or any documentation in writing saying an account that has been closed since XX/XX/XXXXis now open and not only open but has a missed payment causing my payment history to decrease from 100 % to 96 % and my credit age history to drop because it is now factoring this account. I have attached screenshots for all this information. I need this information reviewed and corrected and removed immediately. I am beyond upset and frustrated the amount of ways and things a company go about affecting a consumer 's everyday life.
Consumer complaint received 2017-10-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc. (RI)

Multiple dates from XX/XX/XXXX2017 - present. 
I had a representative from XXXX call my job up to 5 times a day, which ended up practically harassing my employees. 
When I finally was there to speak, she was asking me personal questions and trying to get me to tell her how much I made at my job. I already explained to her that I work in a store with NO office. I 'm in the middle of a live store on the phone with her while my employees AND customers are next to me. I could not tell her any of this information. I gave her my personal cell number. 
She called multiple times afterwards just that week. She called again about a week ago and I told her the same thing. I got pretty angry with her. 
I believe her name was XXXX? Or something simliar to that. 
Calling someones job should NOT be allowed.
Consumer complaint received 2018-03-05
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. (PA)

I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my DOB is XX/XX/XXXX birth certificate attached
Consumer complaint received 2017-10-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (CA)

I opened an American Express account in XXXX, when I was XXXX XXXX XXXX. I overcharged that account and was unable to pay the amount in full at the end of the month. I explained to the bank that my parent had had XXXX XXXX XXXX and I needed time to pay off the debt. Those requests were ignored and the amount was sent into collection and the account was closed without any discussion. I also was not notified at that time that I could dispute the debt. I immediately paid off the debt using all resources available to me and the delinquency is still reported on my credit report, 5 years later, even though it was charged off, even though I was never contacted about being able to dispute the debt and even despite my many requests for assistance. 

American Express treated me unfairly and trapped me when I was XXXX into a situation that I could not get out of without help from external sources. It is still affecting my credit score and life opportunities 5 years later.
Consumer complaint received 2017-10-27
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. (GA)

Account was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after 7 years.
Consumer complaint received 2017-10-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

And yet again, Portfolio Recovery sends me ANOTHER LETTER SAYING IT IS IN REGARDS TO A DISPUTE AND I NEVER FILED A DISPUTE. These people are doing this because they really think I 'm going to pay some amount to them I DO NOT OWE!!!!!!!!!!!!!!!!!! 

Funny how their proof is some old credit card statement they dug up but they can not and will not send proof of my supposed disputes ... why is that? Because THEY ARE LYING!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

STOP.CONTACTING.ME.FOR.THE.LAST.TIME!
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

Dear CFPB : In XXXX, I thought that my personal information ( especially SSN ) may have been compromised, so I looked for a company that could monitor my personal information. I found TrustedID and signed up for a reasonable plan that covered my family for {$160.00} annually. I provided also sorts of personal information so that TrustedId could monitor against that information and warn me of any issues. It also offered {$1.00} XXXX in identity theft protection. 
For the first few years, I was happy with TrustedID 's service. I could check my on-line risk to see whether my personal information was exposed on-line in a risky way. For the first few years, TrustedID 's on-line risk assessment indicated my risk was low, and the occasional review helped me to reduce my risk. 
Then maybe 4-5 years ago, the assessment began to indicate that my risk was at the highest level. It was not clear how or why that happened. Did a better assessment method reveal places where my information had always been exposed? Was the assessment completely false? As I recall, TrustedId offered me services for a fee to have my information removed from those sites. Instead I asked the sites that exposed my information, in accordance with their procedures, to remove my information. Doing that never seemed to lower the result ( the highest risk level ) of TrustedID 's risk assessment. I grew unhappy with the service, not knowing whether TrustedID was taking my annual fee and providing nothing real in return. ( In retrospect, I think that it might have been doing exactly that. ) Only earlier this year in XXXX did I decide to cancel my TrustedID subscription. On XX/XX/XXXX, TrustedID refunded {$54.00} of my unused annual fee. If I knew that Equifax owned TrustedID, I certainly forgot that until the recent news of Equifax 's data breach. News of the breach and subsequent revelations have got me thinking that maybe TrustedID HAD BEEN taking my annual fee and providing nothing real in return. I am wondering whether the CFPB has received similar complaints or concerns about TrustedID. If so and the concerns are true, I think that I should be entitled to receive a refund from TrustedID totalling my net annual fees paid for the past five years. Any assistance that the CFPB could provide on this matter would be greatly appreciated. Thank you very much. I look forward hearing back.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Onity Group Inc. (CO)

We filed a BK back in XXXX or XXXX and did NOT have our 1st or our 2nd mortgages included in the BK. The lawyer never sent us anything to let us know that we were going to re-affirm our mortgages, stay in the house and keep our payments on time, which we have. NEITHER Ocwen Mtg Ln # XXXX or XXXX XXXX ending in XXXX have been reporting our payments as being on time since then. Our credit scores have suffered because of this and prevented us from getting the lower interest rates on car loans, credit cards, etc. We did some research on the Lawyer and found out that he got his licensed suspended at the time because of numerous complaints.
Consumer complaint received 2017-10-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is an unverified account reporting on my credit reports with TransUnion, XXXX, and XXXX. The Creditor is XXXX XXXX XXXX. I have been the victim of identity theft in the past and I reviewed a copy of my Credit Report and I noticed that this in accurate account is reporting on my Credit Reports. I have disputed the item with all 3 Credit Bureaus and I requested verification that this account belongs to me with my signature on any forms or documentation that this company may have but I received nothing. I have called the XXXX XXXX directly as well as TransUnion, XXXX and XXXX to try to have this matter resolved. I have been trying to dispute this unverified account since XXXX 2017. They have failed to validate the debt. I would like for this unverified account from XXXX XXXX XXXX to be removed from my credit reports Immediately from all 3 Credit Bureaus.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Advertised on Bank of America 's website was a promotion for opening a new savings account. I opened an account and deposited the money ( >  {$150000.00} ) on XXXX/XXXX/XXXX. 

After meeting the terms of the promotion, I noted the promo money ( {$500.00} ) was not deposited into my account. I phoned BOA on XXXX. After being on the phone for one hour with the representative, she located the promotion and told me the amount would be deposited in my account within 3 days. 

On XXXX/XXXX/XXXX BOA phoned me and advised that I would need to bring a copy of the promotion to my local branch as " proof ''. I complied. The branch manager ( XXXX ) scanned it into the database and I received a call today ( XXXX ) from XXXX that the marketing department was refusing to pay the bonus because the promotion was only for targeted customers. 

The promotion was advertised on the public website so I am unsure how the promotion can be only for targeted customers. There is no mention in the promotion that only certain humans qualify. The copy of the promotion is attached. This is yet another example of the nefarious practices of big banks.
Consumer complaint received 2017-10-26
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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have factual documentation regarding a dispute I filed with Toyota Motor Credit creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my credit score has dropped substantially Fromm XXXX to the 500 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.
Consumer complaint received 2017-10-26
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: WELLS FARGO & COMPANY (GA)

Account was opened in XXXX and is still being reported as a negative closed account on my credit report. In addition, a payment history check will show the first delinquency on this account is over XXXX XXXX XXXX. This account should be deleted in totality. I asked for it to be removed entirely. according to the credit reporting laws accounts not paid as agreed or delinquent can not be reported after XXXX years.