davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IL)

On XX/XX/XXXXXXXX XXXX XXXX a collection was placed on my credit report in the amount of {$10000.00} with National Credit Systems. The original owner of the debt was XXXX XXXX XXXX, a company that owned and managed XXXX XXXX XXXX XXXX XXXX  complex where I used to live. 

At the time the collection was placed on my credit report, I had an attorney-XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX working on my case with the attorneys from XXXX XXXX XXXX . We were in litigation and no legal suit had been filed against me.

I lost my job in XXXXXXXX XXXX XXXXXXXX due to Covid-19, therefore leaving me unable to afford rent. I was also pregnant with a new baby at the time, leaving me in a horrible situation. I immediately contacted the property manager, XXXX XXXX. I asked for options on breaking the lease, re-renting the unit, payment plans, and even Illinois Rental Relief programs. I asked her to apply for the rental assistance on my behalf, as only the landlord could start an application at the time. I was informed that once the tenant application portion opened, I would receive emails with more information directly from the XXXX XXXX. I did not ever receive any emails or additional information. The complex was unwilling to work with me. I offered to settle the debt multiple times in writing through my attorney, I even returned the keys and surrendered the apartment on XX/XX/XXXX XXXX XXXXXXXX. While this entire case was still in litigation-I was placed in collections for over {$10000.00}. XXXX XXXX XXXXXXXX gave me no written notice or warning that they would be selling the debt to a collections agency and placing me in collections, no legal law suit has ever been filed against me, and the collections agency has been unable to provide me with enough information to verify the debt. Not a single one of the parties involved ( XXXX XXXX XXXX or National Credit Systems ) has been able to provide me a copy of the lease with my written signature on it. Not to mention, I called XXXX to verify whether or not XXXX XXXX ever submitted rental assistance application on my behalf on XX/XX/XXXXXXXX XXXX XXXX. The woman I spoke with confirmed that there is no application to be found under either my name, address, email address nor XXXXXXXX XXXX name, address, or email address. This tells me nothing I was told was true. 

I still have a collection of {$10000.00} showing on my report. I have attempted to dispute it multiple times. I have even contacted XXXX XXXX XXXX multiple times in attempt to settle the matter. No responses have been sent to myself or to my attorney. 

National Credit Systems and XXXX XXXX XXXX have insufficient information to attempt to collect a debt from me and to allow it to remain on my credit report unresolved.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I opened the checking account with HSBC and was approved on XX/XX/2018 under the promotion that I would receive a bonus of {$350.00} for depositing and keeping {$10000.00} for 90 days. I deposited the money on XX/XX/18 and have kept the money in it. I have fulfilled the terms and the bank didn't pay out the bonus even 4 months after meeting the terms and requirements.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

On XX/XX/XXXX, I received multiple emails from Bank of America ( BoA ) stating progress in opening a savings account under my name. I do not nor have I ever had a BoA account that I have opened. I called them the same day to report the activity and let them know I did not authorize it, they told me they would send me required documents to complete an investigation. I never received those documents via email nor in the physical mail. After receiving a fraudulent copy of a check from BoA in the mail on XX/XX/XXXX, I called BoA to report this and explain that I did not know who wrote the check to my fraudulent account, but it came from a business in XXXX, MD by the name of XXXX XXXX XXXX XXXX After researching the business, I found a phone number and called them to confront the owner about the fraudulent checks in case they or someone they knew had been involved. Upon calling the owner, she informed me that her account had been hacked and someone had written almost 30 fraudulent checks to seemingly random individuals across West Virginia. All of the names the checks had been made out to people across the state. I called BoA with this information and the business owner 's info who was working with me, and they told me once again they would send me documents to turn in to close the account. I never received them. I chatted with their team via XXXX several times and called no less than 5 times to resolve this, each time they promise to send me the documents via email and they never come. Today, XX/XX/XXXX I received an email saying they couldn't close the account because I did not respond to their requests to submit documents needed to close the account. I called again today and was told I will receive the emailed documents needed to close the fraudulent account. I am unsure if I will receive them, and after 5 months of attempting to close this account no one at BoA seems to want to help me. I do not want this fraudulent account or check to be held against me or my credit when I had nothing to do with it and have been making multiple attempts in between my busy schedule as a teacher to get this account closed. BoA has made no attempt to rectify this issue with me in a genuine way.
Consumer complaint received 2023-03-16
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. (TX)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( XXXX ) accounts # XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX Bank- ( XXXX ) accounts # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX XXXX XXXX accounts # XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX-account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Hello, On XX/XX/XXXX, I tried to call the XXXX Credit Agency to advise of inquiries that I did not recognize. There were plenty of inquiries. I asked for them to be removed and have written letters as well. I continue to get horrible customer service and no one is willing to help me. These are negatively affecting me in the time of my need. Can some please help me remove these inquiries.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

Chase didn't give me a bonus despite I met all the requirements. I've opened an account on XX/XX/XXXX, received my first direct deposit on XX/XX/XXXX, and several of them later, each week. But Chase says I need to wait. I spoke with their support two times and they said I have to wait. So, I'm waiting from the date of the first direct deposit posted its been more than a month already. See attached bank statement.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I has sent multiple letters over the last 3 month trying to make transunion and experian follow the law. First letter was received by transunion on XXXX. XXXX received theirs on XXXX. Second letter received by transunion and experian on XXXX. Third letters were received XXXX by both credit bureaus. Fourth letters received XXXX. 
All of these letters demanding several accounts be removed from my credit report as transunion and XXXX are in violation of : 15 USC 1681 section 602A 15 USC 1681 section 604A sec 2 15 USC 1681c a5 15 USC 1681s-2 ( a ) ( 1 ) I have made every attempt to settle this matter outside of court. The bureaus simple refuse to follow the law. I am demanding one last time that the accounts i ask them to delete from my report be deleted immediately. Otherwise i will have no choice but to file a claim against transunion and experian for multiple violations of the FCRA, the XXXX, and the Privacy act. XXXX had no problem following the law and removing these items. Transunion and XXXX must follow suit and do the same as they are all required by law to report accurate information. All three reports must match.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo started a " day before direct deposit '' availability of funds. On XX/XX/23 they recorded a {$8300.00} payroll deposit, intended for XX/XX/23, available for use. I used those funds for transfers on XX/XX/23. On XX/XX/23, I was charged a {$5.00} service fee for going below the minimum daily balance of {$300.00} to waive service fees. Apparently I had access to the funds, they appeared in my available balance, but they didn't count toward the daily balance. This makes no sense at all and I feel I have been tricked into paying more fees. Not happy.
Consumer complaint received 2023-03-16
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. (GA)

On XX/XX/2022 I sent in a dispute letter addressing the information that on the credit report. The agency sent me a letter in return stating the information was correct and in fact according to The Fair Credit Reporting Act Section 609 ( a ) ( 1 ) says they are require by FEDERAL LAW to verify, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. They have FAILED to mail me proof of the investigation or delete the negative information. 

I asked them be specify on how the item was verified. I went on to ask to Please do not provide me with the generic response on your e-Oscar procedure but the FACTS of how was. the item verified since there verification by law. 

I asked the agency to provide evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Consumer complaint received 2019-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

When shopping for a home loan, one of my criteria is that the mortgage company would have a bi-weekly or twice-monthly payment plan that accelerated the payoff of the loan, and saved considerable interest, by crediting interest savings from the split payments. 

The loan officer representing Citizens One bank stated his bank had such a plan. He even documented how the plan would work in explicit detail in an email message. 

However, when the payments were made bi-weekly, starting in XX/XX/2019, reconciling mortgage statements with the amortization schedule provided at closing, it was apparent that the payments they were not being applied as expected given the documented explanation of the loan officer employed by Citizens One. 

What happens is that Citizens One buffers the payment until the due date and applies the split payments as one payment. So, there is no accelerated payoff from this aspect of the program. By making bi-weekly payments, there are two months of the year where three payments are made, amounting to an annual principal deduction equivalent to one monthly payment. The interest savings and payoff acceleration from this aspect of the program are inconsequential. 

After unsuccessfully trying to resolve this will the loan officer and Citizens One phone representatives, the loan officer transferred the complaint to the Citizens One Office of the Chairman, and I lodged a complaint with the XXXX XXXX XXXX in XXXX. I provided the representative of the Office of the Chairman with a detailed accounting of the problem in a document that included the loan officer 's explanation. The representative responded via hard copy mailed on XX/XX/2019, and via a XXXX response on XX/XX/XXXX. 

In her response, she stated that the payment plan does not process payments in the manner explained by their loan officer, and I would not realize the accelerated payment or interest savings as expected. However, she did not directly acknowledge that the loan officer misrepresented the payment plan. This leads me to believe that the loan officer will continue to misrepresent the payment plan, and so this complaint to the CFPB. 

I will provided to the CFPB the documentation provided to the Citizens One Office of the Chairman as an attachment. 

It is my belief that Citizens One is an untrustworthy mortgage company and should be investigated for this misrepresentation.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since XXXX my score was XXXX. In XXXX I contacted the 3 credit reporting agencies to get my score. XXXX was the only one that didn't charge. XXXX and Transunion wanted to charge a fee. After I contacted them, suddenly my credit score began to drop from XXXX ( the highest possible ) to XXXX. There is nothing negative about my credit so I can't understand why the big drop. The agencies are no help ( if you can get a live person ). It seems like these agencies can make up any score they want with no explanation. Since credit is so important in our society, these agencies should be under tight control/supervision/monitoring. I'm also beginning to suspect there may be a racial component here such as targeting minorities by lowering their credit scores so lenders can charge high interest rates. This kind of thing has happened all too often in the past.

Thanks for taking my complaint. 
XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I ordered new Chase bank cards for my accounts. At some point between XX/XX/XXXX and XX/XX/XXXX those cards were intercepted by another person or persons and activated. This unknown person was then able to call chase and gain access to my bank accounts and online banking information. On XX/XX/XXXX this unknown person did file XXXX claims of missing deposits via an ATM with Chase bank. Upon seeing the amounts of {$740.00} and {$680.00} credited to the account this person was able to walk into XXXX Chase bank branches in XXXXXXXX XXXX XXXX on XX/XX/XXXX and withdraw those amounts from my bank accounts. The following day XX/XX/XXXX, this person did again attempt to file another ATM claim for {$750.00} that Chase blocked and flagged my account. However I was never contacted by Chase regarding this suspicious activity on my account. Later that week XX/XX/XXXX this same person was able to block my access to my online banking, by changing my email on file with chase and on this day they were able to again withdraw from my account {$1500.00}. 
I have filed claims with Chase XXXX XXXX for all of this. They claim to be working on a resolution however i can not get any type of credit for the amount of {$1500.00} that is missing from my account. The {$740.00} and {$680.00} were fraudulent claims that this unknown person used my account to facilitate and steal from Chase Bank. 

The branches involved are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The employees who interacted with this unknown fraudster are as follows XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Withdrawal {$680.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Transaction # XXXX Session # XXXX Withdrawal {$740.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Transaction # XXXX Session # XXXX Withdrawal {$1500.00}
Consumer complaint received 2023-03-16
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. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-16
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. (ID)

I paid this account of on XX/XX/2023 and the company XXXX XXXX XXXX XXXX and XXXX XXXX  was to report it two the three credit agencies but has not.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Reporting Agency, I am writing to dispute the negative items on my credit report. Upon reviewing my credit report, I have noticed that there are several inaccurate and outdated items that require your immediate attention. 

Firstly, regarding the inquiries made by XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I would like to inform you that inquiries have reached the statute of limitations and should be removed from my credit report. 

Secondly, with respect to the account number XXXX associated with XXXX XXXX, I demand that the late payment information be removed from this account. The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

Thirdly, for the account number XXXX associated with XXXX XXXX XXXX, I request that the incorrect late payment information be removed from this account as well. You can not report this account as updated when nothing has been changed! 

Fourthly, for the account number XXXX associated with XXXX XXXX  XXXX XXXX XXXX request that you verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

Lastly, for the account numbers XXXX and XXXX associated with XXXX XXXXXXXX XXXX XXXX and XXXX XXXX respectively, I request that the same incorrect late payments be removed from these accounts as well. You can not report these accounts as updated when nothing has been changed! 

I would like to request that you investigate and correct these inaccuracies as soon as possible. Your cooperation in this matter is greatly appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC (TX)

On XX/XX/XXXX GC Services, a collection Agent for XXXX, misrepresented themselves by identifying themselves as US Department of Education and offset by tax of {$3300.00} without Court Order. This alleged debt was a Federal Student Loan that was paid off but had been manipulated to create the current debt and was assigned to GC Services for collection.

Seeing the suspicious manipulation on the letter from the US Dept. of Treasury, I decided to dispute the Offset with the US Dept. of Education Ombudsman Group. The US Dept. of Education Ombudsman group showed that they did not offset my tax but said that XXXX has the ability to garnished and certified my tax for Treasury Offset ( TOP ).

But the Law requires XXXX to offset my tax only with a court order and XXXX does not have the court order. GC Services, XXXX 's Collection Agent, does not have court order required to offset my tax either, buit decided to misrepresent themselves as US Dept. of Education to offset and take my money in Bad Faith.

I also found out that the US Dept. of Education also need court order to Offset this alleged debt because it was and is still disputed. According to the law US DOE can only Offset on undisputed debt without court order. 

This alleged debt had been disputed many times from XX/XX/XXXX but was never verified and never validated on collection accounts. 

I also disputed this alleged debt with GC Services when I received their collection letter, dated XX/XX/XXXX, in the mail. I asked for the validation of the debt as required by Texas Debt Validation process on XX/XX/XXXX but GC Services never validated the debt but continued to pursued collection action and still reporting the debt on my credit record in violation of the FDCPA. 

Returned certified mail confirmation showed GC Services received my dispute letter but never responded and never validated the alleged debt but decided to misrepresent themselves to offset my {$3300.00} and take my money in Bad Faith. 

The US Dept. of Treasury had said that only the person named in 'who do I owe ' can be able to remove, change and refund the money collected through this falsified Treasury Offset process. But the US Dept of Treasury had failed to identify the real certifying agent of this Offset.

Therefore TOP Trace # : XXXX was certified in violation of the Federal Debt collection Act and has to be nullified and my money return to me.

I am also requesting that my information be removed from TOP data base in accordance with the Federal Debt Collection Act due to misrepresentation by GC Services, the certified agent.