davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

I personally communicated with National Credit Systems a couple months ago because they put a collection originally for {$4700.00} on all 3 of my credit reports for the original debtor XXXX XXXX XXXX out of XXXX XXXX SC, now they put a balance of {$5000.00} on my report. I originally asked for a optimize spreadsheet for the reason for high bill and I was never emailed one, I spoke to the property manager and she told me that she couldn't provide me with a optimize spreadsheet because they are now under new ownership. I communicated that to National Credit Systems and they've done nothing until I filed a complaint with the XXXX. After the complaint National Credit Systems issued a statement with the XXXX that it would be me moved from all 3 credit bureaus and update. It was removed from my XXXX and XXXX but it still remains on my XXXX report and it's affecting my ability to rent or possibly own, last month I sent another dispute letter asking for removal from my XXXX report and still no response I've emailed them a couple of days ago and still no response I've exhausted my options I plan to dispute it again in another letter along with this complaint and hopefully I can get this issue resolved and removed off of my XXXX report
Consumer complaint received 2023-03-20
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. (MA)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted " THE COMPANY '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX & # XXXX, has violated my rights.
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC. (OH)

My loan was extended out one month which showed online on my account for XXXX and I had to pay XXXX. I got a new car so they paid the entire balance before XXXX was over to take care of my extended month payment and my XXXX payment and all the rest of payments. 
It was paid before the XXXX of XXXX so It shouldnt have even hit my credit at all. After they marked I was behind two months they then put paid in full on good standings so my score dropped for two late payments. I have proof the check was sent to them from the dealership on XX/XX/XXXX but the car was bought on the XXXX! They refuse to even look at the payment of the check and marked me two months late.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

I opened an accelerated savings account with Citibank on XX/XX/XXXX via their website which since I already had a credit card with Citi was very easy and efficient. I transferred funds in through my previously set up linked checking account ( XXXX XXXX ). Over the next two months as I had fund availability I transferred additional funds into the account always through this same means of logging onto their website and initiating the transfer from the linked bank account at XXXX XXXX. These transfers occurred on XXXX and XX/XX/XXXX. Additionally I deposited two checks via their mobile application and transferred a rewards certificate from my Citi visa to the account. As of XX/XX/XXXX I had approximately {$100000.00} deposited into the account. On XX/XX/XXXX I noticed I could not log onto my account which I thought was odd but was given a message referring to " try again later '' so I didn't think it was too odd. So I telephoned the customer service that day and was told my account was locked for fraudulent activity. When I verified my identity and the the 3 most recent transactions, I was told I would get a letter in the mail explaining why it was locked in 7 to 10 days. The letter stated the account was closed by Citi and funds would be dispersed in an additional 30 to 60 days. So essentially they are holding my funds without paying interest for almost 90 days and I have no access to them.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX XXXXXXXX XXXX ( Collection ), XXXX XXXX XXXXXXXX ( Collection ) and XXXX XXXX ( Collection XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a secured card with Bank of America, which had card insurance for the event that I became XXXX or loss my employment. Both adverse events happened ; XXXX XXXX XXXX XXXX  XX/XX/XXXX, and went on short XXXX in XXXX of the same year. The card insurance wasn't initiated, and I continued to pay the credit card timely monthly for as long as I could. My credit card limit was {$2000.00}, which was secured with a BOA {$2000.00} saving account. When I became deathly ill with XXXX XX/XX/XXXX, my ability to pay changed but I struggled to continue to pay the card. XX/XX/XXXX the card closed and BOA used the {$2000.00} saving account to address the outstanding credit balance. Subsequently they have actively sought recovery efforts to collect {$200.00} in late and interest fees they state weren't satisfied with the saving account, although the account was over XXXX years old and should've had high yield interest. In addition the credit card insurance should have been applied as per my request when I became XXXX and XXXX XXXX XXXX which affecting my ability to pay and covered these extenuating circumstances. I have attempted to work with BOA for months w/o resolution despite my best attempts.
Consumer complaint received 2017-05-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (FL)

This is the second complaint files with cfpb regarding the same problem Cfpb closed the other complaint  (  #  XXXX   ) b efore any resolution was made. The original complaint was that my loan mortgagor failed to provide a {$5000.00}  XXXX  incentive on   XXXX   XXXX   claiming that I had not filed Treasury forms. The forms were in fact filed, and Nationstar Mortgage has tracked them down due to my last complaint and said they were going to send them to the Treasury, and that barring any mistakes in their filing, I should receive the incentive by   XXXX   XXXX   XXXX  . I have called my customer service representative  (   XXXX   XXXX   XXXX   ) at    Nationstar and have left two mess ages for her to call me regarding and update on her progress as the incentive has yet to be applied to my account.   As of   XXXX   XXXX   my mortgage will increase which is based on my principle balance. This balance should be {$5000.00} lest than the number they are using to calculate my new payment. It also should have been used in   XXXX   XXXX   XXXX   to calculate the increase which was imposed back then.   In short, I filled in and sent the appropriate forms for th e HAMP incentiv e in a timely manner, and the incentive was to be " automatically '' deducted from my principle on   XXXX   XXXX  .  Nationstar failed to sen d in their Treasury forms regarding my incentive, and have calculat ed two ( 2 ) year s of mortgage incorrectly. And their customer service representative  (   XXXX   XXXX   ) re fuses to return my phone calls.   Supporting documents have been sent to cfpb when filing the previous account.
Consumer complaint received 2020-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY is trying to collect on behalf of XXXX XXXX  for an unknown debt. PORTFOLIO RECOVERY has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$1400.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA
Consumer complaint received 2023-03-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (VA)

I have tried to verify the validity of this loan. The rest of my loans were sent to advaintage because they are Federal loans. I was only paying on this loan because I believed it was a part of those loans until they were transferred. I was also going off of what Naviant customer service was telling me, until I had a friend tell me I need to make sure this loan was mine since I do not recall taking out a private loan. I had a GI bill so taking out a loan makes absolutely no sense. I can verify with my school I paid via GI bill. I have asked for verification that any funds were deposited to my account, a school account, or if there is a returned check. I was sent a promissory note from Naviant that explicity states " this is not a promise of funds to be dispersed. '' I am simply asking for proof of dispersement. The school they stated I took the funds out for is XXXX XXXX. However, I used my GI bill to pay for XXXX XXXX and they have no knowledge of any kind of loan from Naviant/ Sallie Mae . I am simply asking for proof any funds were dispersed either directly to me via an account transfer or check, or to the school. They have refused to provide this and I do not believe I owe this money. They have ruined my credit, and I have told them I need proof. I will not pay on a loan that was never dispersed. If loans were deposited to my account it should not be difficult to prove, yet they refuse.
Consumer complaint received 2023-03-20
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. (NJ)

N accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX utilities 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.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (FL)

On today ( XX/XX/23 ), I received a call ( which I did not answer, but was left a voice-mail ) that stated a civil complaint has been filed against me and was advised to contact XXXX and provide the complaint number of XXXX. The caller stated his name and that he was calling from a XXXX XXXX XXXX. The number he called from is XXXX. 

I called the number and was told that I have an outstanding account with JP Morgan of {$2800.00}, which was originally {$8700.00}. I explained to the man, " I have never done business with JP Morgan and don't understand how I can have an outstanding account. He was able to tell me my D.O.B and social security number, which I NEVER confirmed. 

Unfortunately, being nervous and overwhelmed, I confirmed my home address and gave him my e-mail address and he had a docusigned form sent to my e-mail ; however, I did not open the e-mail. 

After hanging up, I checked the three Credit Reporting Agencies and noticed that on today a company with the name of XXXX XXXX XXXX out of XXXX, CA XXXX made a soft inquiry through XXXX.
Consumer complaint received 2023-07-20
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: Receivables Management Partners, LLC (TX)

Inquiries I did not authorize XXXX XXXX  on XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  on XXXX XXXX on XXXX and also on XXXX Collection acct to RPM  services LLC on XXXX Is not mine XXXX XXXX XXXX XXXX. Not mine. 
I have contacted these creditors and was informed to contact credit bureau which I have done and disputed these. XXXX informed me to make a report w CFPB.
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MI)

Dear sir or madam, I opened my BMO Simple Business Checking account on XX/XX/XXXX. At that time, BMO Harris has a promotion to open the business checking account. 

These are promotion requirements : By Day 31 your balance must be {$10000.00} and it can not drop below {$10000.00} for the next 90 days. 

Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of : ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify as electronic transactions. 

I met all these conditions. But I did not receive {$500.00} bonus. I called BMO customer service and spoke to XXXX on XX/XX/XXXX. She documented what I said, Feedback XXXX XXXX XXXX, and she said that she would call me back about the status. But she didnt. I called BMO customer service again on XX/XX/XXXX and asked for the investigation status and was told that I am not eligible for {$500.00} bonus due to my account was opened on XX/XX/XXXX, and promotion has been expired. 

The thing is I opened my BMO Simple Business Checking account on XX/XX/XXXX, After I submitted all my information, I received an email to ask me to upload Business Registration Documents, which I uploaded them immediately on XX/XX/XXXX. BMO has all my information on XX/XX/XXXX. 

BMO rep told me that my account was approved on XX/XX/XXXX, which is one day late for the promotion. I dont know what happened and why it took another day for BMO to approve my application. However, I submitted all my information on XX/XX/XXXX, I also called BMO business checking customer service to confirm I was eligible for the promotion. This should be considered that I opened BMO Harris Simple Business Checking account on XX/XX/XXXX. 

I opened my Simple Business Checking account on XX/XX/XXXX, and I fulfilled all promotion conditions. Per BMO promotion requirements, I should receive {$500.00} bonus. 

Please investigate what happened and deposit {$500.00} into my account. 


Thanks XXXX XXXX
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

On or about XX/XX/2022 Fair Collections and Outsourcing ( FCO ) called and informed my mother, XXXX XXXX, on her personal cell phone that they were attempting to collect a debt in my name in a specific dollar amount and demanded that she provide the FCO representative with my phone number and told her I was in trouble.

This is a direct and severe violation of consumer and privacy rights. FCO is an abusive third party debt collector and I have provided a letter disputing the accuracy and veracity of the debt they claim to be collecting.

FCO is located at XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX.
Consumer complaint received 2022-05-26
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 XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, and XXXX  XXXX XXXX Account Number : XXXX, have violated my rights as a consumer. 

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 an account without my written instructions.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriCollect (FL)

Amerocollect collection agency put the same amount in my reports 6 times I have been disputing it for about two years XXXX. Amount of {$1100.00}. XXXX on my XXXX report 6 times 3 times on XXXX. Both credit companies agree that it is fraud on amerocollect.
Consumer complaint received 2022-05-26
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. (FL)

The credit bureaus stated all my accounts was 100 % correct and accurate and investigated properly but how is that possible when the open date is inaccurate, the date last active is inaccurate, and last reported is inaccurate this is ground for removal and they also violated my rights under 15 U.S.C 1681 Section 602 A States I have the rights to privacy 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH a ACCOUNT WITHOUT MY WRITTEN CONSENT
Consumer complaint received 2022-05-26
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. (GA)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-05-26
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. (NJ)

In accordance with the Fair Credit Reporting act 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 Accounts : XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Inquires : XXXX XXXX XX/XX/20XXXX 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 XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-05-26
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. (AZ)

In accordance with the fair credit reporting act. XXXX  funding # XXXX. XXXX XXXX XXXX  # XXXX or # XXXX,. Ad astra recovery services # XXXX has violated my rights. 




15 U.S.C 1681 section 602 A. States I have a 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