davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: OneMain Finance Corporation (TX)

I have made 2 on time payments for more than the minimum. And a 3rd extra payment. I have only got Rewards credit for 1 payment. If you cant fix the rewards program I will be closing this account as you are not keeping your part of the agreement. Your customer service is a joke. She admitted it was missing. But didnt have a clue how to fix it. There is no escalations dept. No one in charge that I can find. The worst card I have ever had.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Sprechman & Associates, P.A. (FL)

They want you to pay them more than {$7000.00} plus interest after XXXX XXXX XXXX. My husband and I are XXXX  and the XXXX  does not cover the debts we have. My daughter sends me the money to pay for the car we have today because the one we had melted the engine. My husband has had XXXX operations and on the XXXX of this month he has another operation and we are on the verge of despair and now with this threat. The car paid for XXXX and a half years nothing more if they want to take it but they will have to pay the letter plus the full coverage insurance for XXXX more years. Money in the bank we only have the monthly withdrawal XXXX to pay the bills that we all have for the rest of our lives..
Consumer complaint received 2024-08-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (ND)

My mortgage loan had recently been bottled by Mr. Copper XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 

I was Informed that my escrow would be going up due to lack of funds which the proper funds are already there. They had said to me and others that had recently been bought by them. That's a 2024 projections. Are a lot higher than they thought and bills.Went up as high as $ XXXX {$900.00} to account for that. So personally my mortgage went from $ XXXX to $ XXXX. 

All this after a class action lawsuit for " extra fees '' ( see link ) https : XXXX Myself anf others are concerned about this random " escrow increase '' when their projecting an increase of over 100 %. This seems Like an insane amount to project. Not only is it wrong, but something doesn't seem right saying that it's going up over a 100 % increase.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been victim of identity theft since XXXX. Around mid XX/XX/XXXX, it happend to me again, and I checked all my credit reports and disputed with XXXX regarding hard inquiry dated XX/XX/XXXX Captial One Bank : My 1st distpute conf # XXXX and result back to me that hard inquiry is factual record, no remove, and told me to contact directly Capital One. 
I tried again with 2nd dispute conf # XXXX, and also at the same time, I contacted Captial One by mail to address my issue per XXXX requested me to deal with Capital One. Then I was back and forth with Capital One ( I also sent Captial One police report ) and finally the bank sent me mail cofirmation letter dated XX/XX/XXXX that they requested XXXX to remove inquiry for XX/XX/XXXX from my credit file besides XXXX confirmed fraud inquiry has been deleted. After that, I cheked credit report and do not see this hard inquiry. 
Until XX/XX/XXXX, I logged in to check the report, and I see hard inquiry XX/XX/XXXX appear again on my credit file. I called 3rd dispute with XXXX conf # XXXX for the same issue, and they sent me letter mail stated this inquiry is factual record again, and their investigation respone letter has no change since my 1st and 2nd disputes.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XXXX XXXX XXXX I have 2 Bank Of America credit cards and I almost one year as a BOFA customer. Couple days ago I noticed that I dont have available credit on my 2 credit cards and immediately called to them to know why. I spoke with representative and she told me that accounts are closed and she can not see why. Just today I got phone call from my cousin and he yelling on me because he add me as a authorized user on his XXXX XXXX XXXX Bank Of America credit card and he telling me that Ive done something wrong with this bank. He received a letter from Bank Of America that all his family members accounts are closed for Some regular transactions are not meet the Bofa criteria, Men, within one click they destroy my credit my cousins credit and his wife credit. Can anyone stop this what is doing Bank Of America for a long time. Within one push of a button this underwriter destroyed XXXX families just this week. I have XXXX credit score, XXXX inquiries within 2 years and my cousin has XXXX credit score and just XXXX inquiries. For what reason we became a risky customer, for what you doing this? because we are Armenians? I want to share this with CFPB and we assuming that someone could help us to keep our credit higher in this bad economy time. Thank you
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tenaglia & Hunt, PA (NJ)

I had a debt with XXXX XXXX for a credit card I owed on. I attempted to settle and negotiate but could not come up with the funds at that time. Once I could, I attempted to contact XXXX XXXX but they said it was sent to a debt collector. I had funds to settle what they offered, however they refused. Tenaglia & Hunt was retained by XXXX XXXX and I had no idea. Supposedly, they attempted to contact me but NEVER left messages nor did they notify me who they were and what they were doing. I finally found out and contacted Tenaglia & Hunt. They refused to negotiate. I retained XXXX XXXX of XXXX XXXX in NJ. He made some headway via emails. They asked what my expenses were in late XXXX. I gave them to XXXX and he sent them to XXXX XXXX XXXX. He has not heard anything and they refuse to communicate with my attorney since then. 

I have made the best attempt to work with this law firm, yet they fail to do the same.
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc. (CA)

This debt was XXXX, charged off as bad debt canceled by XXXX XXXX. Avant effectively turned the debt into income for me. Now I need to file it on my XXXX  taxes. I need the XXXXXXXX XXXX XXXX to properly complete my taxes. In addition, income should not be listed on my credit report. XXXX and charged off debt is income.
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Blitt and Gaines, P.C. (KS)

XX/XX/year> Amount {$2700.00} Blitt and Gainess, P.C sued me for this balance which I was never aware. I did not have the opportunity to dispute the debt before being take to court. If you in fact did send me proper notification of the right to dispute the debt before taking me to court. Please provide a receipt showing my signature of me receiving it.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (PA)

JP Morgan Chase bank is reporting a closed credit card account. I applied for this card to see their offer but I did not authorize the opening of this account after reviewing their offer. I am not now, nor have an ever been, a customer of JP Morgan Chase Bank and consider this account to be fraudulent. Does this company open accounts in peoples names without their knowledge often?
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION (NC)

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account, Check n go, is not complete and acccurate. And one more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.
Consumer complaint received 2024-08-03
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (SC)

I am writing to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. Specifically :

15 U.S.C. 1681b : This section requires that a consumer report can only be furnished for permissible purposes and with the consumer 's consent. The creditor has provided my credit report without proper authorization. 15 U.S.C. 1666b : This section prohibits treating a payment on an open-end credit account as late if it is made within a reasonable timeframe. The cred
itor has incorrectly reported my payment as late.
Consumer complaint received 2024-08-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My payment due for XX/XX/XXXX from Citizens Bank was scheduled for XX/XX/XXXX. I tried making the payment on XX/XX/XXXX but there was some technical issues with their site. So it wouldnt allow me to submit the payment. I had to wait until the next day to submit my payment. Citizens Bank has reported my account XXXX days late even though my payment was submitted before my next due date.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (AL)

I paid my account balance for XXXX XXXX on XX/XX/year> and was told that it would be updated in XXXX days. As of XX/XX/year>, I still have a balance reporting to the credit bureaus.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc. (CA)

After receiving multiple calls from - I assumed they were spam, my phone identified them as such, I received an email from XXXX XXXX and Credit aka XXXX  - stating tthat they were trying to collect a debt to XXXX XXXX - about 30 days after the calls started. I then called the listed number in the collection email rthree times over the course of a week, while there was an option to leave a message, there was no name or identification on the message mailbox. I then wrote to the email on the collection email asking for proof of the debt and delivery of notice to collect within 5 days of the first call. I have been trying for over 2 weeks to get proof of notice. They have repeatedly dodged sending proof of the notice. I have told them twice I would file a complaint if they did not. After I sent a final email asking for proof 5 days ago, I have not received a reply. I have asked them several times as well to notify XXXX XXXX that the debt has XXXX cleared so that I can pay my bill with them and rejoin.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION (TX)

They listed XXXX previous addresses with incorrect dates for all of them. They also did not include XXXX previous addresses. They listed my education as diploma when it was in fact an XXXX XXXX. They showed a charge on my criminal history that was dropped as a conviction.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
XXXX ) The Agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 
XXXX. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) 8. ( Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers is correct ) XXXX. ( Master Bill of Sale XXXX XXXX  Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MS)

I need to re-document and refile this grumbling to LVNV FUNDING LLC. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Atlas Credit Company, Inc. (TX)

A representative by the name of XXXX showed up to my place of employment, I told her I am unable to discuss this matter at work. I had already discuss my financial reason with someone at the office once and they could not be calling me at work or showing up to discuss private matters. They continue to call me and now have began to call asking to speak to my supervisor. I dont know how many more details I need to provide for them to understand, they can not be doing this. The second or third time they called they let our receptionist know they needed to verify employment. They already know I work here what more verification do they need!! They have threated to take this matter to court but have only been harassing over the last XXXX months.
Consumer complaint received 2024-08-02
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kikoff Inc. (NY)

According to Kikoff Lendings contract this was an account for a secured credit card. But I have never obtained a credit card or secured card from Kikoff Lending nor any loans. Kickoff Lending has also failed to honor what they advertise online, which is an increase in credit report and a higher FICO score. I also called and asked for this account to be deactivated once I saw no results from their paid services, and their staff failed to do so. 

On XX/XX/year>, I made a call to Kikoff Lending asking for assistance in order to have this account deactivated as my online attempts were unsuccessful. I wanted the account deactivate because i was not satisfied with the service. The young lady that i spoke with was a extremely dismissive and kept repeating the process of how their service works over and over. I ultimately hung up the phone up on her because I was getting frustrated that she kept repeating herself to me after I made it clear I did not want the service. I opened this account because Kikoff promised to help increase my credit score and after several months I only noticed a decrease in my score due to Kikoffs hard inquiry. During my last conversation with a Kikoff rep he explained to me that other things on my credit report could be the reason that was preventing their reports to the credit bureaus from helping my score increase. The fact that this is not made clear to me on top of the fact that I made several attempts to deactivate this account is the reason why I don't feel I am responsible for this account and would like for it to be removed from my credit report. 

I've also reached out to Kikoff Lending several times in order to resolve this issue but they have never responded to my emails for a resolution. I think this company is not being reasonable as it was their responsibility to deactivate my account once I called their office and their staff failed to do so. For that reason and the fact that they failed to provide me with the services which i was paying for, which was a FICO score increase, I believe this account should be removed from my credit report.
Consumer complaint received 2024-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FULTON FINANCIAL CORPORATION (NY)

i have been scam -involve XXXX XXXX XXXX  -supposed i have won a Prize of XXXX XXXX dollars and a XXXX automobile it turn out that it was a scam, they wanted me to wire XXXX dollars to Fulton bank for administrative fees.. 
recovered XXXX by XXXX. i was deprived XXXX which i want to recover
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

I went to use my credit card from Discover & it would not work. I NEVER received a call or any correspondence via mail OR email. When I accessed my Discover account online I found out my card account was closed by CREDITOR & it would reflect that way on my credit report. Im NOT a late payer either. I was shocked.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
This fraudulent account is a personal loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (MA)

Formal Dispute of Unauthorized Credit Inquiry by Stellantis FinancialXXXX I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report, which I believe violates the Fair Credit Reporting Act ( FCRA ). The details of the inquiry are as follows : Company Name : Stellantis Financial/XXXX Inquiry Date : XX/XX/year> Alert Date : XX/XX/year> Business Type : FA Contact Information : Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Number : ( XXXX ) XXXX Legal Violations : Unauthorized Inquiry : The hard inquiry by Stellantis Financial/XXXX  was made XXXX XXXX XXXX XXXX. I did not apply for any credit or services that would authorize this inquiry. Under the FCRA ( 15 U.S.C. 1681b ), any credit inquiry requires the explicit consent of the consumer. 

Misleading Practices : This inquiry was conducted under misleading circumstances. The FCRA mandates transparency and proper authorization for credit inquiries, which were not observed in this instance. 

Violation of XXXX Rights : According to the FCRA ( 15 U.S.C. 1681c-1 ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. This inquiry is unauthorized and inaccurately reflected on my credit history. 

Potential Harm and Liability : The presence of an unauthorized inquiry adversely impacts my XXXX XXXX and XXXX affect my ability to obtain credit. The FCRA ( 15 U.S.C. 1681n ) provides for damages if a credit reporting agency willfully fails to comply with the Act 's requirements, including unauthorized inquiries. 

Request for XXXX : I hereby request an immediate investigation into this matter and demand the removal of the unauthorized inquiry from my credit report. The misleading nature of this inquiry underscores the need for prompt corrective action. If this situation is not rectified, I will file a formal complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). I XXXX also pursue legal remedies for any damages incurred due to this violation. 

Please confirm in writing the removal of this inquiry and provide me with a revised copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.