davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

I opened a checking account and savings account with First Citizens Bank in XX/XX/2020. I funded both accounts with a credit card. I funded each account with {$1000.00} ( {$2000.00} total ). I set up a direct deposit with my employer to deposit some of my paycheck into the checking account. A direct deposit was made. Additionally, I make multiple debit card transactions with the provided debit card linked to the checking account. I have not been able to log into my account since last week. I called the bank, they said my account had been closed. I asked why, I was given a run around and then spoke to a lady that said if I wanted to know why it was closed, that I should contact XXXX XXXX. Two days ago, XX/XX/2020, I received a statement from the bank in the mail. It did not say anything about my account being closed. I have not received any other correspondence from the bank regarding the closure of my account or why it was closed. 

I checked the statement of the credit card that I used to fund the account with. First Citizens refunded the card for the amount that I opened the account with even though, i paid the card off. 

I have not received any reason why my account was closed. Furthermore, I was not told by the bank that they were going to close my account or that they actually did close my account.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (MI)

On XXXX XXXX, I mailed 4 checks, two of which went to credit card companies [ PNC and XXXX XXXX  ]. The non-credit card payments arrive and cleared. Unbeknownst to me, the credit card payments did not. When I finally realized the checks had not cleared, I called both places. I am making arrangements for payment. I am also asking for late fees and negative credit report info to be removed. 

What do I need from you? PLEASE monitor if this is happening to others. Are banks " not receiving '' payment so they can boost the bottom line with late fees and higher interest rates? One bank is understandable. Two banks is absolutely fishy. 

Please keep an ear out and maybe alert media outlets about a possible problem. 

Thank you.
Consumer complaint received 2019-11-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Financial Service LLC (Idaho) (ID)

The state of Idaho follows the federal FCRA, and with debt that did not have interest applied to it before going to collections, then it can not have interest applied in collections. 

The debt was from XXXX XXXX initially, they charged no interest or late fees. 
I have a debt from them with another collection agency and they have never charged me interest or late fees. 

The company alleges that part Idaho laws they are allowed charge 12 % interest in debt, this is incorrect. Idaho has a bad check law that can have an addition 12 % interest charged for willfully writing bad checks, this is not the situation There is no payment agreement with this collection agency, therefore no late fees or reported late payments. 

Idaho has a statue of limitations of 4 years for this type of debt, these accounts are from 2014.
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (AL)

I have noticed that I have several account that do not belong to me. I would like for them to be removed from my credit report. Please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ALSO THEIR ARE SEVERAL HARD INQUIRIES THAT ARE NOT MINE PLEASE DELETE : 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 XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2019-08-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Group, Inc. (OR)

According to asset systems ( the debt collector ) I had gone to XXXX XXXX hospital back in XXXX. I honestly dont recall going bit apperently I was served papers in XXXX of XXXX for a garnishment suit. They explained that I was served at XXXX by a 3rd party carrier though no signature from myself was required. I attested that I never received anything from them. The debt amount in question is XXXX. 
A few days ago I received a letter in the mail stating that I was being garnished starting on XX/XX/XXXX. I checked my credit report and have never seen a bill on there for said amount. When I called them to find out about the debt I was told that I had given numerous excuses why I couldn't pay my debt. One such excuse was that I couldn't talk because I was driving. I am visually impaired and can not obtain a valid driver 's license. It felt like falsified information. After the agent was no help, I asked for the supervisor. I was told that my deadline to dispute the debt ended in XXXX. If I had actually heard from them in the past decade, I would have tried to fix any problems that arose, since I did not hear from them, I had no idea I even had a debt. It's clear that they spoke with someone, but it wasnt me. Up until a few days ago I had no idea the company even existed. I was also told that they would garnish me for 90 days BEFORE they would allow me to make payment arrangements. I had asked for the managers desk phone and the supervisor said that she would not be in until Thursday of this week. ( Yesterday ( I  left a voicemail requesting the original bill and have not received any correspondence from the manager. 

I just want to get to the bottom of this, if it's a fair debt I will pay it, but too many things dont add up.
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MD)

on the XX/XX/XXXX l pull my credit report and realized Midland Funding has report an amount of {$3900.00} in collection which l have not had any notice of, and also the credit report states original Creditor : Not Available. As result filed for dispute to all three credit Bureaus on the XX/XX/XXXX to investigate it and requested for validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with the corresponding local state laws, also requested for " validation '' that is competent evidence bearing my signature, showing that l have ( or ever had ) some contractual obligation to pay them ( Midland Funding ) .l also wrote requesting Validation from Midland Fund which is dated XX/XX/XXXX since the tree Bureaus couldn't provide me with e validation with my original signature. Midland funding on the XX/XX/XXXX sent me Writ of Summons for trial dated XX/XX/XXXX. As at the time and date filing this complaint either the three bureaus or Midland Funding have provided the Validation with my signature or any contractual obligation to Pay Midland Funding and still have not deleted it from my credit report. The court has reschedule the trail date to XX/XX/XXXX at XXXX XXXX XXXX, XXXX, MD XXXX. l have received a letter from Midland Funding dated XX/XX/XXXX saying they now waiting for additional documents from the Original creditor to conclude their investigation and it may take up to 90 days from the day they received my dispute, meanwhile Midland Funding has issue me with WRIT OF SUMMONS and the trail is XX/XX/XXXX. THE CASE # XXXX Date filed:XX/XX/XXXX Issue Date:XX/XX/XXXXserved Date : XX/XX/XXXX
Consumer complaint received 2020-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

XXXX bought our XXXX mortgage on XX/XX/XXXX of 2019. We refinanced our mortgage on XX/XX/XXXX of 2019. We have tried for 6 months to get our remaining escrow balance from both companies. I have complaint # XXXX open with CFPB against XXXX that details our attempt to recover our remaining escrow balance of {$1900.00}. At this point XXXX contact information is no longer valid and XXXX says they can't access our XXXX account. XXXX also has our current mortgage so they are confused about our current loan account # XXXX from XX/XX/XXXX of 2019 and the loan they purchased in bankruptcy from XXXX account # XXXX on XX/XX/XXXX of 2019. So we are getting the runaround. XXXX appears to be reverting us to a now dismantled company ( XXXX ) with full knowledge that they are no longer operating and that XXXX owned our XXXX mortgage on XX/XX/XXXX when we refinanced.
Consumer complaint received 2020-04-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My identity was stolen and used fraudulently. I dispute the account and the debt attached to it. I have since filed a claim with the FTC and have the claim number to prove it. I want to inaccuracy removed from my credit file immediately. The report number with the FTC is XXXX.
Consumer complaint received 2020-04-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The motorcycle was stolen shortly after it was purchased. I had full coverage and the insurance covered all costs associated with the theft of the motorcycle. There is no outstanding balance to report and consequently there is nothing to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sherloq Group, Inc (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : SHERLOQ FINANCIAL # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.I also request to see a certified copy of any contract or agreement between you and XXXX that gave you the right to collect this debt.
Consumer complaint received 2019-11-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (KY)

My automobile loan was paid in full in XX/XX/XXXX and to this day I have not received my payoff acknowledgement. I had been paying through my bankruptcy so this resulted in an overpayment to Santander, the lender. I called Santander in XX/XX/XXXX to see when I could expect my refund. I don't know their reasoning but I was told it would be mailed out in XX/XX/XXXX. XX/XX/XXXX I called and spoke to a guy who was a bit nasty in his attitude and unconcerned about my issue. He indicated the payment was sent out on the XX/XX/XXXX. I called back on XX/XX/XXXX to advise I still had not received my refund. At that time I was advised payment had not been sent out. The person handling the call this time did at least express concern an a willingness to help get the issue resolved and get my payment and payoff letter sent. My concern is after waiting almost 2 months would like this issue resolved expeditiously.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (NC)

I check my credit report regularly. I noticed CBNA on my report. I do not have an account with them. I contacted them and using my social security number and my email, they could not find an account. Im not sure why Im seeing this. Ive never had an account with this company.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX XXXX : XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-09-14
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

There are unauthorized inquiries, hard inquiries and collections on my credit report. Collections are on my report that is open or past due. This is a violation of the fair credit reporting act, 15 USC 1681. 

XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  was reported twice on my credit. I am not aware of this agency, they could not verify any documents from me when I contacted them. 

XX/XX/XXXX XXXX XXXX  reported on my credit unawarely. This debt was paid off but they are still on my credit and it is and has brought my scores down. 

XX/XX/XXXXXXXX XXXX XXXXXXXX has reported items on my credit and when I spoke with them, they had no debt in my name. 

XX/XX/XXXX XXXX XXXX XXXX  was reported on my credit, this is inaccurate reporting and needs to also be removed. I have no clue of who and what this company is. 

XX/XX/XXXXXXXX XXXX XXXX  is also on my credit report, I asked for information to who they were and they could not provide me any of my original records of debt from them. 

XX/XX/XXXX XXXX XXXX was reported on my credit report, it is also an unauthorized reporting account. 

XXXX XXXX XXXXXX/XX/XXXX was authorized to run my business credit and not personal credit. I spoke to the banker and she said that my business credit was during setting up my business account ran but it was not. She did not have my permission to run my personal credit. This is against the law XXXX XXXX XX/XX/XXXX I am unaware of this company. This hard inquiry is authorized. I dont recognize this account XXXXXXXX XXXX XXXXXX/XX/XXXX I am unaware of this company. This is authorized as well.I do not recognize this account The companies I want to report is TransUnion, XXXX and XXXX! All the inquiries, collections and hard inquiries are on These XXXX bureaus! And it is against the law
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMO Bank, N.A. (CA)

Bmo harris bank closed my account without investigating properly and put me on a XXXX XXXX  credit report and now it's affecting me opening a account else where When bmo harris bank failed to respond to my issue and never answered my questions and falsely accused me