davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
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: I.C. System, Inc. (GA)

I disputed this debt with I.C. System Collections with no resolution. I sent a certified validation letter on XX/XX/XXXX in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. XXXX XXXX received the certified letter on XX/XX/XXXX and has yet to respond to my request. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Consumer complaint received 2018-10-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NY)

In mid XX/XX/XXXX I extended the lease on my XXXX XXXX XXXX with XXXX XXXX. From the first billing Cycle chase began to have a on-boarding issue with payments on my account where I made payments and the payments would be applied to the previous month and create a credit for the month prior and delinquency for current cycle. I was unaware of this issue until mid XX/XX/XXXX when I applied for a mortgage. The lender ran my credit and brought to my attention that chase has been reporting me late to the credit bureaus and I would not qualify on that basis for my loan. I called chase to resolve the matter. I discussed with them at length the issue and it repercussions for myself and my family and I was told that they will not remove the late payments and delinquency from my reporting because it is out of there capacity to do so. I proceeded to hire a specialist to dispute this on my behalf to correct this error so I can Recover and move on with my life. On XX/XX/XXXX I called chase again and asked what it would take for them to show my account as current and in good standing to which they replied I must make a payment of {$1000.00} which I did. My Billing cycle for this account ends on the XX/XX/XXXX of every month. In order to insure myself against future on boarding Issues that may occur with this account I requested a letter of good standing that the account is current and the next payment is due on the XX/XX/XXXX. I went about making my XXXX and XXXX payments for this account on time. In early XXXX I began looking into a new car for lease and Opted for a newer model of the XXXX XXXX XXXX I had. When I began the process It was brought to my attention again that chase had again inaccurately and erroneously reported me late yet again. When I called chase they said I am not late and have no late payments so I asked why Am i being reported late for XX/XX/XXXX they said they don't know why I asked them to correct this and they refused. I have exhausted all means by which to approach this and remedy this with chase and I am in dire need of intervention to correct this and allow me to pick up the pieces from the damages that has come from this situation
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: OPES ADVISORS, INC. (TN)

Our house sold for {$330000.00}. The appraisal came back at {$300000.00} on XX/XX/XXXX. The comps were not even close to identical with our house. The lender, both Realtors, buyers, and another lender all said this was a poor appraisal. We put together an incredible list of comps, add-ons, and even a recent appraisal of the house next door ( smaller and older, appraised for {$340000.00} ). We requested that the appraisal be raised, and were told the appraiser was on vacation, so we had to wait a week and a half. Close date had to be moved from XX/XX/XXXX to XX/XX/XXXX. When the appraiser came back, he refused to budge on the appraisal. We requested it be thrown out and have a new appraisal, which was denied as well. We now have had to push back the close date on our new home 9 hours away, and living out of a moving truck with a XXXX month old baby and XXXX  wife.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I spoke with a XXXX 'XXXX representative to pay off may account in full and close my account. I received a letter from XXXX XXXX confirming my account had been closed, per my request. Months later I received a bill for interest on the account and was told by a representative that it was an error and would be removed. For several months I received the same bill and each time was told that it was a mistake and it would be handled with no affect on my credit. Several months later I again contacted them but by e-mail to get their response in writing. I was informed in writing that their mistakes would be removed from my credit report. I still have a mistake on my credit report, showing a late payment occurring in XX/XX/XXXX, which is six months after my account was closed. After at least 6 phone calls and e-mails XXXX XXXX has not removed this from my credit report and this appears to be a malicious act on their part. Please see all attached documentation from XXXX XXXX, including their written promise to clear my credit report. This is negatively affecting my credit.
Consumer complaint received 2018-10-30
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC (AZ)

My name is XXXX XXXX My grandmother past away on XX/XX/2017 in are house since then I have been trying to find out about the house. This has been a awful experience found out it's a reverse and they have granted me executive rights to the house it's in the process of being foreclosed and they offered me three options to buy the house outright put it on the market or have it go to auction and I'm refusing it to go to auction and trying to buy it back or do a quick sale in the refusing me to do this because you're saying the time frame is not right I had a realtor with proof of funds of all that and they're denying me the right 35 day process to do a quick sale or even put it on the market a company that purchased XXXX XXXX I would advise everyone to stay away from XXXX XXXX and the company associated that bought them and you seem not to understand because there was an autopsy case it took several months to get legal documentation to do this was not normal circumstances
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

Three accounts of mine were closed without warning. My Citi Forward, Dividend, and AAdvantage cards. I suddenly lost my ability to make purchases, and wasn't even given a chance to use these cards.
Consumer complaint received 2018-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

A collection agency contacted me last year in XX/XX/2017 about a account in with XXXX in my name. I sent a dispute and because they couldnt verify it was mine with a contract signature they deleted the collection off my account and sent the debt back to XXXX. XXXX sent me a letter apologizing saying I didnt owe the debt but then in XX/XX/XXXX sold the debt again to another collection agency. I called them told them it was fraud I sent a dispute validation letter and all they sent me was a bill. The account isnt mine and this is showing negatively on my credit report preventing me from closing on my home
Consumer complaint received 2018-10-31
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. (OK)

On XX/XX/XXXX, I requested removal of inquiries on credit reports from the following companies that pulled my credit files without authorization or proof that I gave permission. None of the companies responded, I submitted two different disputes with XXXX, however XXXX refused to reply or remove the inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-10-31
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. (CA)

On XX/XX/18 I sent Transunion a final letter requesting that they send me copies of the information they used to verify the 6 accounts ( each account ) : 1 ) XXXX  for {$1700.00} 2 ) XXXX XXXX for {$2800.00} 3 ) XXXX for {$4300.00} 4 ) XXXX XXXX for {$680.00} 5 ) XXXX XXXX XXXX for {$13000.00} 6 ) XXXX for {$1200.00}, they continue to list Negatively on my credit report. Transunion signed & recieved that final letter of request on XX/XX/18 @ XXXX. 

They have IGNORED my requests & my rights. They did NOT provide me with a copy of how they verified each account. They just put Verified. They did not provide me with ANY information on # 6 XXXX for {$1200.00} & they did NOT provide me with an updated credit report. Transunion needs to be held accountable for reporting things Negatively on my credit report without any Verifiable PROOF.All of these items need to be removed IMMEDIATELY & they need to send me a copy of my credit report to reflect the corrections.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have disputed the late payments on XXXX XXXX XXXX    XXXX account. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (NJ)

I received 5 calls, back to back, on XX/XX/18. This morning, on XX/XX/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now. 

I am making payments to a Convergent account on a debt and I am doing so diligently, and this is the only account I have with them. As I am making payments, there is NO need to constantly keep calling me.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (GA)

I am the holder of Zion 's Bank ( " Zion '' ) checking account number XXXX. 

I DO NOT HAVE OVERDRAFT PROTECTION. 

Perusal of my bank records reveals a selective approval of charges, mostly amounts fewer than {$10.00}, which incurs {$32.00} overdraft charges. 

Since I do not have overdraft protection, the approval of funds is purely discretionary. The bank continues to approve charges which are of a lesser amount to maximize the profit gained via {$32.00} fees. 

In fact, the bank willfully and deliberately ignores its own policy enshrined in contract that " forgives '' overdraft charges where the amount in question is fewer than {$10.00} I have filed multiple complaints against Zion and  even secured a {$190.00} settlement. However, it now appears that the bank is engaging in retributive action and endeavoring to recover the settlement amount ( and much more ) by punitive imposition of fees. 

Throughout XX/XX/2018, I have paid {$380.00} in overdraft fees. I REPEAT, I DON'T HAVE OVERDRAFT PROTECTION. Thus, each and every transaction approved while my account lacked sufficient funds was purely discretionary. EACH AND EVERY TRANSACTION IN QUESTION WAS FEWER THAN {$10.00} WHICH BY THEIR OWN POLICY SHOULD NOT INCURR FEES. 

Throughout XX/XX/2018, I have paid $ XXXX overdraft fees. I REPEAT, I DON'T HAVE OVERDRAFT PROTECTION. Thus, each and every transaction approved while my account lacked sufficient funds was purely discretionary. EACH AND EVERY TRANSACTION IN QUESTION WAS FEWER THAN {$10.00} WHICH BY THEIR OWN POLICY SHOULD NOT INCURR FEES. 

Zion is engaged in a willful and deliberate pattern of behavior whereby minor charges are approved in a bid to maximize Zion 's earning through the OverDraft fees process. And this pattern persists even with the accounts of holders who have opted out of Overdraft protection. 

Furthermore, Zion persists in " stacking '' transactions so that OverDraft fee liability ( even for holders who've opted out of it ) would be incurred resulting in unseen and undeclared charges to holders tantamount to illicit conversion of the funds of account holders.
Consumer complaint received 2018-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last XX/XX/2018 I recieved a text from Bank of America regarding unusual activity in my account. The text stated that if I recognize the transaction reply yes or no. Before I can reply no, a transaction went through. It should not have went through without my response first. If Bank of America is really protecting customers from fraud the transaction shoudld have not went through. Bank of America should wait for mybreply first before any transaction could take place. When i replied that i did not recognize my card was block. Then I called the fraud department and explained what happened but even them agreed that no transaction should went through. The next day when the transaction had posted in my account i disputed it. Today is XX/XX/2018 and there is still no resolution on the case and i still dont have money. They said they will investigate. My question is what is there to investigate when the transaction should not even went through. I think Bank of America is not really commited in protecting their customers.
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Herbert P. Sears Co., Inc. (CA)

We have received numerous calls from hp sears ( caller id ) and have not picked up the phone. No messages were left. When I did answer this morning, XX/XX/2018, the person on the line demanded that I 'verify ' my name, phone number, address and date of birth. I told him my name and phone number, since he had that, and refused the other information. I told him we have no debts and were under no obligation to provide personal information to a stranger. He would not provide me the address for hd sears ( which appears to be a collection agency in XXXX, CA ). I finally asked for his home number address and birth information, and he hung up. When I called XXXX XXXX XXXX, the woman on the line demanded the same ( verification ) on the phone. When I told her I was under no obligation to provide information to her and that I had often warned consumers against this as an employee of the XXXX XXXX XXXX XXXX XXXX, she threatened to 'send me a letter '. After I replied something to the effect of 'So, send it. ' she hung up. From comments I have read on various websites, hp sears is an abusive debt collector. Please do all you can to end hp sears ' abusive fishing expeditions. XXXX XXXX, XXXX, ca
Consumer complaint received 2018-07-19
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. (IL)

Due to billing error by XXXX XXXX XXXX and lease end processing issue with XXXX XXXX in XX/XX/2018, a bill for early termination of my XXXX XXXX XXXX lease was not received from XXXX XXXX XXXX until XX/XX/18. On XX/XX/2018, I discovered the early determination bill existed from XXXX XXXX XXXX for {$1400.00}, after it was reported delinquent to the credit bureaus. I contacted XXXX XXXX XXXX by phone and via email, on XX/XX/XXXX. The representative stated a bill had been sent in XX/XX/2018, I stated I did not receive the bill and requested a bill be sent to me. I also discovered that the address on the bill didn't have my apartment number, which can cause delivery issues as I live in a multiple unit dwelling. As stated previously, I finally received the bill on XX/XX/XXXX. After attempting to resolve the amount with the dealership at XXXX XXXX, I paid the remaining balance over the phone on XX/XX/18.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments on this XXXX   XXXX account for months. XXXX  and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I purchased a brand new XX/XX/2015XXXX XXXX from XXXX XXXX XXXX in XX/XX/2015. My financing is through Nissan Motor Acceptance Corp. My total purchase was {$28000.00} with 18.81 % interest and I have already paid {$19000.00} with only {$4600.00} going toward my principal balance as of today. So my current pay off balance is {$24000.00}. I agree that I did sign the contract because Everything was moving fast, the dealer did not take time to go over the documents, it literally took 10 minutes for me to sign all the paperwork. I feel like I was taking advantage of. I was approved for this loan with a credit score in the low 500s, {$500.00} down making {$40000.00} a year who rented and had XXXX small children. I was a prime target to default on my loan and potentially lose my car and ruin my credit. The dealer nor the bank even asked for proof of income.
Consumer complaint received 2018-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RFNA, LP (GA)

this company claims that I owe them a debt, and put a negative mark on my credit report. I sent this company a debt validation letter to have them clarify this debt. the company called me and left a voicemail stating that if I don't answer the phone, they wont validate the debt. According to the fair debt collection practices act sec 809 once a debt is disputed, it must be validated. so ignoring this letter is a violation of the collection practices act. I would like everything documented in writing.
Consumer complaint received 2018-07-19
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I have had a reverse mortgage with XXXX for well over 11 years, and I have been in full compliance with the provisions. They have been calling my home daily for the past year at XXXXXXXX XXXX EST, despite my request to please stop calling. I had a letter sent to XXXX from my attorney to advise them to please stop calling, as this is harassment. I am XXXX years old, and their calls are abusive, harassing and an infringement of the privilege of being able to call my home. There must be some guidelines for this type of behavior on the part of a financial institution.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

ExperianDate XX/XX/XXXX, 2017Report # XXXXRight Address on report: XXXX XXXX XXXX XXXX XXXX XXXX XXXX                                        XXXX PA XXXXWrong: XXXX XXXX XXXX XXXX             XXXX PA XXXXThis is not the right address and needs to be removed I have provided the one I live at and is right. There should not be this many address showing wrong or not right.
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (FL)

XXXX is an exchange of XXXX to USD and opposite. I have an account with XXXX in XXXX and in USD. My account got frozen by XXXX with no explanation or offer on how to resolve it resulting in the hold of my funds. I am not able to transfer or withdraw funds. I tried to contact XXXX but unsuccessful. They do not have any contact number to call. I have sent 6 e-mails to the customer support ( that is the only mean of contact they offer ) and got 6 generic responses like this : " Hi there, We are experiencing a high volume of requests but are doing our best to get back to you as soon as we can. Thank you for your patience. 

Onward & Upward, XXXX Customer Support '' This has been ongoing for over 2 weeks and I do need access to my funds. 

Please help!
Consumer complaint received 2018-01-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (TX)

Ally Financial has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.