davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-25
Product: Debt collection — Payday loan debt
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: Big Picture Loans, LLC (FL)

I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. 

I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. )
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

since XXXX bank of america has charged my credit card account to XXXX.I do not owe B of A XXXX.they say they revoked my previous fraud award monioes this year XXXX.for some other younger males transactions and want me to foot the bill because they grabbed him for a purchase of 3 days on-line XXXXhe originally tried to purchase the 3 days of XXXX with XXXX which did not go thru.while he was prompted to the pop up ad to that web site he was provided an ad for XXXX XXXX XXXX XXXX which he began to purchase but did not enter his account numbers for the purchase .but, since on the mobile app.the numbers were already entered allthopugh the bank blocked the purchase the account has been hacked i think and the b of a is saying that my previous fraud claims are not valid and the b of a needs to cover thier XXXX maybe and are fraudently stating i owe revoked fraud claim award money totaling XXXX. i dissagree with me owing them any money.my availabel credit XXXX was XXXX and i want my XXXX availabel credit restored or my claim resolved arbitrillary and my account closed with me owing the bank of america any money, because the card has been duplicated.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

PLEASE DO NOT CLOSE THIS AS DUPLICATE before reading completely I just received a response from XXXX ( attached ) that Flagstar is still lying to them and tryin to keep the inquiries on my report. 

Flagstar bank 's process for handling XXXX dispute is a total sham, it is just a dog and pony show to fool the customers and regulators. I opened XXXX disputes with XXXX and XXXX CFPB complaint and they were all closed by XXXX simple lie saying " the information is accurate and complete '' whatever that means. Even after XXXX has admitted they didnt ask for my consent for pulling these reports, whoever is handling tthe XXXX dispute is still lying to XXXX. This is the response I got from XXXX today on XXXX. And the lies are pretty obvious, you can read for yourself " Our records indicate that XXXX has previously received disputes directly from the consumer that was of the same nature as the complaint. As is our standard practice, XXXX sent a letter to notify the consumer of our intent to initiate a reinvestigation. XXXX notified Flagstar Bank of the consumers dispute and requested that they reinvestigate the accuracy and completeness of the information submitted. Flagstar Bank has verified the information to be accurate and complete. As a result, it will remain on file at XXXX. '' I am at a loss here on how to even file a complaint against Flagstar as it is evident now that they dont even know the basics of banking, they pull reports without asking for consent and when caught in the act, they start lying. XXXX response doesnt address any of my concerns. I have to waste countless hours and had to listen to multiple lies from Flagstar employees and she thinks everything XXXX out of the XXXX inquires ( and that too hasnt been done yet and they are still lying to XXXX as stated above ) makes everything right. She is asking me to wait another 30 days and I am sure that is another delaying tactics as you can see from the attached document that Flagstar is still lying to XXXX and claiming these inquires are " accurate and complete '' whatever that means They kept these XXXX fraudulent inquires on my report or almost XXXX months adversely impacting my ability to do business with other banks and kept repeatedly lying to XXXX about their fraudulent actions and she thinks all that is ok. That says a lot about the ethics of the employees of this bank
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Though I have flawless payment history, and have stayed under my credit limits at all times, the issuer has reduced my credit limits and negatively impacted my FICO scores due to credit usage. This is unfair, in that Ive stayed reasonably under the limits to avoid this problem, but when the company arbitrarily reduced my limits, the net impact on me was that my usage went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by virtue of the company reducing my limit. Ive complied with the companys policies, paid on time, never paid less than minimums, and not exceeed the limit, yet Ive been negatively impacted by the companys actions.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Phoenix Financial Services LLC (MO)

A few months ago I recieved a collection call from someone who said they were with Phoenix Financial Services. I asked who is the creditor and what are they saying I owe. They told me I had a hospital visit back in XX/XX/2015 to a hospital in XXXX, TN. She still did not give me any specifics behind that. I told the representative, that I had not visited a hospital in XXXX, in XX/XX/2015. I had a visit earlier in the year but my bill was only {$60.00}. I asked the representative what was the dispute process and she told me I would have to talk to the original creditor. When I asked again who the creditor was, she told me she could not divulge that information. So immediately I thought this was a scam because I had not received anything in the mail from this company. The next thing I know, I get an alert saying a collection was added to my credit report. So i logged into my monitoring service and there was the Phoenix company again with a collection for {$760.00}. Still no communications in the mail had been received, i had not received any more phone calls from the company or nothing. Now I have a blemish on my credit with no information and no communication or opportunity to dispute.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have provided my photo ID along with the other required documents.
Consumer complaint received 2017-10-25
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. (TX)

I have notified the credit agencies several times and nothing seems to be done about this. There are unknown accounts which have no validation and names listed I have never used. 

XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX Names XXXX XXXX and XXXX XXXX I have never used these names nor have ever been called these names. Remove and any accounts associated with
Consumer complaint received 2017-10-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Today XXXX XXXX7 I tried to get help to refinance my home through XXXX I tried with bank of America but do n't want to help me the always have an excuse missing paper 'or that I did a bankruptcy ' last excuse was that I have a lawyer and for tha reason they can help me my complaint it 's about fraudulent issues my bank of America never want to help me but because their loan modifications is supposed to be through harp program but it 's was n't they force me to sign through the court system I did n't agree but I had no choice today XXXX  told me they can help me to refinance my loan because my loan is full of fraudulent issues the person told me he does harp loan modifications alot of them nu never seen anything like this one and tha is the reason why the ca n't help me bank of america is used to do this type of fraudulent he told me they got sue for this same issue no long ago as I state here I do n't have a lawyer for this matter but im willing to get o e if the keep. Playing with my mental health
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Hello on XXXX/17 a fraudulent company advertising magazine ads that were supposed to be in our local grocery store set us up on a payment plan with them. We paid {$190.00} in cash, {$190.00} on credit, and the balance was another {$480.00} on credit. We found that the company was fraudulent after speaking with the local grocery stores. Citibank refunded our {$190.00} but refuses to refund the {$480.00} amount because the merchant provided fake XXXX shipping labels showing they shipped something to our area. I have provided not only documentation from the grocery store stating that this was fraud but also information from XXXX  with other customers who have been defrauded by this company. I have attached all communication with Citi Credit Card and all the documentation that shows no good or services were received.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IN)

I saw an XXXX University XXXX commercial and made 1 call to inquire. Every since that day I dreaded ever contacting them. They called, emailed, left messages everyday ... numerous times a day. I ended up attending XXXX University XXXX, FL from XXXX til XXXX for an XXXX XXXX in XXXX. Initially, tuition was under XXXX a semester, but every semester it increased until it was just about XXXX per semester. As a result I 'm now XXXX dollars in debt due to a 2 year degree attending XXXX University XXXX. As well all know now my degree that I put blood, sweat, and tears into is not even usable due to XXXX closing and the school being non accredited. I was initially told the school was accredited an that they do job placement after graduation. NONE of that was true! It was a all a hoax to me ... like a bad dream that left me in debt. I feel my loan along with thousands of others should be forgiven, cancelled, completely abolished due to the circulating news of their closing and being sued, no accreditation, lies of future employment placement, and let us not forget their lying to millions.
Consumer complaint received 2017-08-27
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: EQUIFAX, INC. (LA)

This has been going on since XXXX. I had to file bankruptcy and my credit has been hacked multiple times by XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX.
Consumer complaint received 2017-10-25
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. (PA)

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED  STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States XXXX XXXX XXXX
Consumer complaint received 2017-10-25
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)

Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. Date : XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-09-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: PNC Bank N.A. (PA)

On this past Sunday XX/XX/XXXX  I went to the ATM XXXX  the PNC Branch XXXX XXXX XXXX XXXX XXXX Pa XXXX. As I attempted to deposit a check for some odd reason this particular ATM didnt allow me to do this. And it appears that whenever the PNC Bank as a whole is reported for misconduct. They comes back at me with retaliation tactics such as this
Consumer complaint received 2017-10-25
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. (PA)

Affid
avit of Demand by XXXX XXXX XXXX XXXX  OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the XXXX of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.
2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.
3. Date : XX/XX/XXXX/2017 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (MD)

Since XXXX XXXX I have been making monthly payments thru Central Credit Services LLC to XXXX but they have yet to report my monthly payments to the Credit Bureau. The payment is electrically taken out of my account each month. My checks are made payable to XXXX but Central Credit Services LLC collects the deposit. I 've tried calling several times but I get the voicemail and no one has called me back.
Consumer complaint received 2017-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Since XXXX, we have been getting mail from different debt collection companies who say that we owe money for a XXXX account that we did not open. The account was first under my wife 's name and we did pay the full amount once out of confusion, then later realized we did n't use that account with XXXX. Later, after contacting the most recent debt collection company, XXXX XXXX XXXX XX/XX/XXXX to dispute another debt collection mail received, they told us to just pay half the amount and then the problem would be solved. As ofXX/XX/XXXX, XXXX XXXX XXXX said the account has been resolved. Yet after we did that, I have received another mail in XX/XX/XXXX stating a debt of {$80.00} from Credence Resource Management , LLC. This time, the account is under my name and not my wife 's, but we did not open this account.XX/XX/XXXX I called XXXX and they also confirmed that they do not work with this debt collection company.