davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

Comenity Bank has been harassing me multiple times per day several days in a row. I receive numbers from New Mexico, From XXXX, Utah, XXXX, CO, XXXX, OH an Unknown Caller, and No caller ID. They ALL lead back to Comenity Bank. I want this harassment to stop immediately. It's taking a toll on my family, and it beginning to give me terrible XXXX, My husband and I have had XXXX this past week and it never stopped. I don't understand how this company gets away with calling people like this. I have rights and I deserve to be left alone. I can give proof in the form of screen captures on my call phone of exactly when, how, and where they call.
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (CA)

This company ( NCB Management Services INC. ) has been sending me emails at least every week when I had already told them to stop contacting me. They were calling me almost every day for about 3-4 months last year to the point where I had to take some therapy because it was too much harassment and oppression. I told them to stop calling me and contacting me, they stopped doing it very often to just once in a while over the phone but they keep sending me emails every week. Im very stressed out and sick due to this situation and I have no idea how to handle this anymore.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been accused by my bank of fraud activity since XXXX I had my account I use it to get pay from my job and XXXX from family and friends I never had any warnings from my bank about any activities suspicious and suddenly they just closed it with out any additional information i understand i may not be able to use the same account again but I need a new account to get paid from my job if I ever do anything wrong I will take fully responsibility my account been closed since XX/XX/XXXX I got bill automatically with my account I don't know what should I do cause that's prevent me to get any account from any other Bank I need to know what is the cause of this
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I am disputing an account listed on my credit report that I believe is fraudulent and does not belong to me. 

XXXX XXXX XXXX XXXX XXXX  Collections : FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXWhat happened XXXX XXXX On XX/XX/2024, I became aware of this account on my credit report. I have never had any dealings with the original creditor, XXXX XXXX XXXX XXXXXXXX, and I do not have any joint accounts. Additionally, I have not made any payments on this account, and I believe this account has been incorrectly or fraudulently attributed to me.
Consumer complaint received 2024-08-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I moved out of the XXXXXXXX XXXX in XXXX XXXX, TX on XX/XX/XXXX. This move out was confirmed via email from XXXX XXXX of XXXX XXXX XXXX XXXX, the management group of the apartments. ( See below ) Around XX/XX/XXXX I received a letter in the mail from the law offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating I owed the XXXXXXXX XXXX {$550.00} for rent from XX/XX/XXXX - XX/XX/XXXX and other erroneous fees. I called the XXXX but the manager, XXXX, was not available so I was given her email. I send her an email ( attached below ) informing her that I never received notice of any fees or owed rent prior to it being sent to collections and I only found out through a letter from a law office. I explained the full situation in detail and provided the emails between myself and XXXX XXXX. I also reached out the XXXX directly and never received a reply. ( See email below ) I also provided this information to the law office that was attempting to collect, informing them of incorrect information and providing proof yet no amount was changed. It is still on my credit. I also disputed it with the credit bureaus. XXXX removed it, but XXXX and XXXX did not.
Consumer complaint received 2024-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Dear Portfolio Recovery / PRA / XXXX XXXX Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-10-21
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. (TX)

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 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (IN)

I am writing to dispute the accuracy of information thats on my credit report. according to the fair credit reporting act ( FCRA ) section 605B its Illegal to report information on my credit report without my permission. please remove these items. XXXX XXXX XXXX XXXX onemain, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (IL)

I settled the debt with the original owner : XXXX They agreed to remove the derogatory remark from collection upon receiving full payment {$190.00}. They gave me a written agreement as you will find attached requesting removal from collections. 

My issue is NOT with XXXX. My issue is with the XXXX party vendor ( ALDOUS ) that was sold my debt which is illegal. 

When I called the third party, ALDOUS, they told me they will NOT remove!!!
Consumer complaint received 2017-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WI)

I hope you can help me out. I 've been trying to with no avail for the last YEAR to sell a vacant lot that I have a mortgage on with Bay View.But I can not get a clear title from Bayview because of a mistake in the legal description. Bayview has been unresponsive to our request to straighten out this matter.The title company tried to work with Bayview and they would not respond to them. I 've tried numerous times to contact them and talk to them and no one would respond to me.So we hired a lawyer and he 's written numerous letters to Bayview and no one will respond to him either. Bayview is holding up the sale this property by their lack of communicating with us, let alone trying to fix the problem. We could really use some help here because everything we 've we have tried so far has not worked. <P/><P/>The problem is in the legal description of the property. I bought the property 12 years ago with a small cabin on XXXX Lots. Throughout the years we built a XXXX bedroom XXXX on XXXX of the lot and refinance a couple of times to do that.The original mortgage holder ( XXXX XXXX ) would copy and paste the original legal description for the property on all the new loan agreements, thats where the problem is. Even though we broke them up into XXXX separate parcels each with their own separate loan. I need to getclear title for the vacant lot so we can proceed with the sale and pay off that loan.But Bayview lack of  response for OVER A YEAR is unacceptable.I also fell thy are breaking numerous banking laws by their lack of response and their unwillingness to help resolve this matter. <P/>I 'm attaching copies of the letters that were sent to Bayview over the last year, which will help establish a time line and we also had numerous phone calls that led to nowhere!!!!
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (VA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

I didn't see any fax number or an email address to send other information to. Since there is no way to update my information and phone number on the CFPB website or at Chase Bank here is my information again ...... 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX Due to my XXXX XXXX Chase can only contact me be email due to their employees and executives always finding a way to be sarcastic and rude XXXX  me to have an outburst which they know is associated with my XXXX XXXX XXXX. If Chase Bank close my account the same day i'm due to get my direct deposit on XX/XX/year> it'll cause me a XXXX XXXX having to wait 30 days for XXXX to issue a replacement of those funds XXXX mean mysekf and my XXXX XXXX XXXX XXXX  will be with out our XXXX  and no way to pay for transportation when we need it. I don't have to call Chase anymore but i can't allow their employeesto be rude then try to play the victim so i take FULL RESPONSIBILITY for my outbursts caused by Chase employees when i'm provoked which is why when i call anywhere i tell everyone I'M XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SO I CAN'T BE ON LONG CALLS AND LONG HOLDS yet they keep you on a long call and jold anyway. 

On XXXX  XXXX JP Morgan Chase had someone name XXXX call me. Even after i made it CLEAR in my first complaint that i'm XXXX and i deal with XXXX XXXX so it's best that i do my complaints by email yet Chase Bank violate my request and had someone call me anyway. I included a screenshot of the incoming call and the voicemail. I'm able to read my voicemails and this is the message XXXX left. Yet when i called back i couldn't get a human being on the phone so if anyone at JP Morgan Chase Bank try to lie that i refused to talk with anyone i have their voicemail and when i answered the call XXXX then hung up instead of saying hello like a normal human being. 

Chase just need to not close my account. Their employees provoke their customers then try to play the victim. Chase employees are not victims they're the PROBLEM. Even when i go in their Branches their employees will XXXX  XXXX  you, not get a Supervisor when asked, or they keep you in an hour long line at the counter, in the drive thru and some Supervisors at the two Chase banks i go to are never anywhere to be XXXX
Consumer complaint received 2024-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (IN)

XXXX XXXX XXXX sold our mortgage to Shellpoint XXXX XXXX XXXX made XXXX payments of XXXX to Shellpoint -I sold my house on XXXX and the title company requested a payoff quote from Shellpoint -the title company sent a check for the payoff amount ( {$69000.00} ) to Shellpoint XXXX -Shellpoint cashed the check on XX/XX/XXXX -at this point my account should have been closed -on XX/XX/XXXX Shellpoint sent the XXXX payments back to XXXX because they said it was sent in error. 
-our payoff is considered short XXXX -Shellpoint sent {$69000.00} in a regular check by first class mail to the wrong branch of my title company on XX/XX/XXXX. They did not inform anyone they were doing this. 
-My account now shows that I am past due XXXX payments.
Consumer complaint received 2024-10-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Dear Creditor/Debt Collector, Please see the attached creditor letter from the FBI that XXXX received today of Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union has made unauthorized transactions from m y Checking and Savings  account since  XXXX   XXXX  of last year. The funds were sent to a closed credit card account ( it has been closed since  XXXX   XXXX   ) a nd the following unauthorized transactions were posted to my account :  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$170.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$160.00}  XXXX   XXXX   XXXX  - {$100.00}  XXXX   XXXX   XXXX  - {$54.00}  XXXX   XXXX   XXXX  - {$510.00} ( sent to consolidation loan ) Both mentioned accounts are being negotiated by  XXXX   XXXX   XXXX   XXXX  on my behalf. Power of Attorneys were sent to NFCU regarding the accounts, and they are fully aware. I have spoken with NFCU on several different occasions and unauthorized transactions have continued. Each representative I have spoken with all gave me the run around and proceeded to tell me they have the " authorization '' to pull available funds from my accounts if accounts become delinquent. How I have been  with Navy Federal for 8+ year s and I have never encountered this issue nor have I read or signed any loan agreement consisting of this unlawful practice. I have gone into a branch located here in  XXXX   XXXX  and a representative told me there was nothing she could do. I have exhausted all measures and this issue remains unresolved. The money stolen from my account has caused me to fall behind on other due bills.  <P/> Due to these reasons, I strongly advise any business or consumer to not conduct any business of any kind with Navy Federal Credit Union.
Consumer complaint received 2021-08-25
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX/XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-10-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: W&A Intermediate Co., LLC (GA)

I received a surprise bill from my dentist. When I questioned the charged, my dentist informed me that they were no longer in-network with my insurance since a yr before. They never notified me that they were no longer in network with my insurance provider. Obviously, I switched dentists but could not afford to pay 2 dentists at the same time. I started paying previous dentist ( XXXX XXXX XXXX XXXX XXXX XXXX ) {$20.00} per month in XXXX XXXX XXXX 2024XX/XX/year>, but they sent my account to collections anyway. My dentist office agreed to allow me to pay monthly until debt was satisfied, but did not honor their word. I started receiving letters from a debt collector ( Wakefield ) in XX/XX/year>2024, so I stopped making monthly payments. From my understanding medical debt less than {$500.00} is not supposed to be sent to collections or be reported to credit bureaus. I owed the dentist {$400.00}. From my understanding, medical debt is not supposed to appear on my credit report until the debt is 1 yr old. Neither happened in my case. I am requesting that this medical debt be removed from my credit report.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (MN)

I have an online savings account with the Synchrony Bank. I deposit money into the account and withdraw money from the account by doing online transfers from my checking account at my local bank. When I do an online withdrawal, scheduling a transfer of money from my Synchrony savings account to my local checking account, Synchrony informs me that it will take XXXX XXXX XXXX for the transfer to occur. However, I've noticed that Synchrony takes the money out of my savings account on the day that I schedule the transfer, even though it is not deposited in my local bank until XXXX XXXX XXXX later. I've noticed that ACH transfers I do from other institutions ( such as XXXX or my state-operated deferred compensation fund ), can occur overnight. I believe that Synchrony may have a practice of withdrawing the money from my account, but then holding on to it for XXXXXXXX XXXX XXXX, in order to gain XXXX XXXX use of my money without paying me interest on it. This seems like an unfair practice.
Consumer complaint received 2024-10-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

Please reference CFPB XXXX. XXXX. On XX/XX/year>, Comenity Bank sent me a letter, through CFPB, stating that they were attempting to purchase my account back from XXXX XXXX XXXX, and that they ( Comenity ) would follow up with me at a later date regarding adjustments to the account. I believe they were successful with XXXX XXXX as the account was completely removed from my credit report soon thereafter. However, I never heard anything else from them. On XX/XX/year>, I called and left a message with Comenity Customer Service requesting that XXXX XXXX or someone from their Customer Advocacy Team call me with an update ; no one ever did. On XX/XX/year>, I sent Comenity Customer Advocacy the attached letter ( certified mail ) ; reiterating that they have had more than 120 days to contact me, and requesting that they send me documentation that the account has been closed, in good standing, with a XXXX balance.