davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mutual Management Services LLC (FL)

I moved out of the property on XX/XX/year> and there was no judgment placed because there was no rent owed per the judge. The landlord kept my security deposit and sent my account to this collections company on XX/XX/year>, disregarding the judge 's orders. The security deposit covers any cleanup fees or touch-ups that needed to be done to the apartment. The landlord has a video that shows that nothing was damaged at the property. The debt collection company is saying that I owe money because I terminated my lease but I never elected to terminate the lease, the landlord ended the lease. I have already explained what happened and sent supporting documents to the collections agency but they are still emailing me trying to collect debt.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (FL)

I am writing to request validation of the debt referenced in your recent communication. According to the Fair Debt Collection Practices Act, I am entitled to request verification of the debt you claim I owe. 

Please provide the following information : The amount of the debt. 
The name of the original creditor. 
Documentation that proves I am legally obligated to pay this debt. 
Any additional information that verifies the debt 's validity. 
Please consider this letter a formal request to cease collection efforts until the debt is validated. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>
Consumer complaint received 2023-09-19
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. (TX)

In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX ..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

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

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2021 reporting as a 30 day late payment. Please remove.
Consumer complaint received 2024-09-23
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: ENCORE CAPITAL GROUP INC. (NE)

Follow-Up on Complaint XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Failure to Act by XXXX I previously submitted a formal complaint on XX/XX/2024, regarding a debt claim made by MIDLAND CREDIT MANAGEMENT concerning an account with XXXX XXXX in the amount of {$270.00}. Despite my requests, MIDLAND CREDIT MANAGEMENT has failed to provide sufficient documentation to substantiate the alleged debt. Additionally, XXXX has failed to take appropriate action to address and remove this inaccurate information from my credit report within the required legal timeframe. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block fraudulent or disputed information no later than 4 business days after notification. Your failure to comply with this requirement and provide sufficient evidence constitutes willful noncompliance under 15 U.S. Code 1681n.

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to credit denials and unfavorable financial terms.

Emotional distress : Caused by the ongoing presence of inaccurate information.

Financial harm : Resulting from credit denials or unfavorable terms for loans and credit lines.

I am requesting : 1. Immediate removal of the inaccurate information from my credit report.

2. If this information is not removed, I will pursue legal action to recover damages, including statutory and punitive damages, as well as attorneys fees. 

Furthermore, I invoke Estoppel by Silence, as the failure to respond within the legally required timeframe strengthens my presumption that no valid debt exists. If this matter is not resolved promptly, I will take legal action under 15 U.S. Code 1681n. 

I expect your immediate attention to this matter.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (WA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account : XXXX XXXX XXXX Account no. XXXX Previous Address ( XXXX  ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> Previous Address ( XXXX  ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Cycle Finance, Inc. (FL)

AMERICAN CYCLE FINANCE INC. is the company Im working with to finance a motorcycle. I had been doing my payments and never missed XXXX. Until I got intro financial trouble due to an accident in traffic ( nothing minor ) but I had to pay a bill for a XXXX and XXXX which is the only person that works in this company is very nasty to deal with. I asked if I had the option to put XXXX of the payments at the end of the loan. He denied any type of help and kept charging my account knowing I didnt have the money. When I told him I had the money. He didnt charge when he was supposed to and then charge me extra fees. When confronted he started raising his voice and getting violent. Its impossible to deal with this company I dont feel safe with them. They feel very scammy. When I check the reviews nobody is really happy with them, even when they finish paying their loan they still cant get the title. How can a company like this stay on business? None of the customer are happy and everybody complains about the same. I feel they should be held accountable.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

I was notified by Citi Mastercard that there was suspected fraudulent charges. I called per request and verified that I did not make a $ XXXX charge to XXXX. 
Several weeks later I received a fine print, long written document from Citi that, in part, stated that if " disputed their finding of fraud '' I needed to sign the document, scan it and e-mail it back with a single code in the subject line. 
I was quited confused because of the wording, and the fact that I had thought I had resolved this over the phone ( Citi first flagged transaction as fraudulent for me ).

I called Citi to clarify the text. I read the text to the person ( call center ) representing Citi over the phone. They stated that " If I disputed the charge, I must sign the document, scan it and return via e-mail. '' I stated this did not seem correct because of the verbiage in the document. They repeated that if I disputed the charge, I must sign and return. 
I did so ( see attachment ). 
Apparently the code in the subject line triggered a computer to change status of charge from fraudulent to valid and despite many hours on the phone, they have not been able to fix this.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AP)

Ive been in communications with ( XXXX, Equifax and XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (WA)

Mr. Cooper, my mortgage company, continues to deadname me. I have submitted my legal name change documentation as requested, and while it was processed in some form ( after two tries, the first time they failed to update my first name and only updated my last name ) such that my statements and tax forms have my correct, current, and legal name, their online service portal at mrcooper.com continues to use my deadname. I have contacted their support via phone and chat at least four times ( and have submitted a previous CFPB complaint that was closed without this being resolved ) and each time been promised that it was fixed, that they just needed to delete my online account and then have me recreate it. When I go through that process, their website says " We're having trouble finding your loan '' with my legal last name and SSN. Tellingly, it will find it under my prior ( dead ) last name. However, continuing with that process just results in a new online account where I am again being deadnamed. At this point their failure to fix this is harassment and discrimination. The previous CFPB complaint I submitted about this they failed to read in its entirety : they responded by closing it and saying they fixed the name on my payments, but the portal ( their website at mrcooper.com ) is still deadnaming me over and over.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION (VA)

When I was looking over my credit report recently I notice there were hard inquiries that I didn't apply for. Before filling this out I contact the companies and they couldn't give me any information regarding the inquiries. I filled out an Identity Theft form as well.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist locked my account, claiming that there was an issue with a check that was returned. The check was only returned because their customer service agent advised me to put a stop payment on it. Following the agent 's advice, I was hit with an overdraft fee. Then, I spoke with a customer service manager. She removed the hold and submitted a request to have the overdraft fee refunded. After I deposited more money into the account, they blocked it and refused to let me close it and receive my money. The account is positive, and I owe them nothing. They have all of the recorded calls. When I reference them, they act like they're not seeing anything. 

How is someone supposed to eat when you are holding their money?
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to DELETE & REMOVE these Fraudulent Accounts IMMEDIATELY : 1 ) XX/XX/XXXXACCOUNT ] In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. 

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (FL)

This is an FDCPA section 807 Violation misleading false reporting. Under ( 15 ) USC 1681e ( b ), Canceled debt is gross income, does not get reported to your consumer report ; therefore, this is an inactive account, and needs to be delete it IMMEDIATELY!
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

XX/XX/year> call Equifax to remove credit freeze so lender, XXXX  XXXX XXXX, could pull credit for a mortgage application. Was advised this would take place same day. credit freeze not removed and subsequent telephone calls made to Equifax service center throughout early to mid XXXX, continuing to late XXXX including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Credit freeze lifted the morning of XX/XX/XXXX but before the lender could pull credit, by the afternoon of XX/XX/XXXX the data feed was deleted and now when logging into to Equifax, no data is displayed. Lender still can not pull credit. Called Equifax about this new issue XX/XX/year> and XX/XX/year>. They now want to send a link for the submission of a copy of a Social Security card and Driver 's License whereas before they would text a code. I am not going to submit copies of these documents to an international call center for no valid reason. All of these problems have been explained by representative after representative as technical issues, with no reason as to why, no ability to talk with a manager, and no prompt resolution. This is resulting in the ability to apply for a mortgage. There is no domestic telephone number for Equifax and I have received no service, no resolution and can not move forward. This is unacceptable.
Consumer complaint received 2024-07-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have two credit cards with Bank of America. I recently had to use both for some major purchases. Today I logged on to set up Auto Pay so that I can pay the debt down. The company has removed the ability to set up a specific amount to be paid each month and only allow the option of Statement Balance or Minimum Due. I find this extremely unfair as I can not currently pay the Statement Balance amount but want to pay more than the Minimum Due. Because I can't schedule such payments any longer and now need to take time to log in each month to pay beyond the Minimum Due. Of course, if I forget or fail to do so for some other reason ( work, health, family, vacation, plenty of reasons this could happen ), Bank of America benefits by earning extra interest on the amount I hold on the credit card and do not pay down each month. This is not reasonable and just a way to juice consumers for more money when they are already making tidy profits on high interest rates. 

I called the company today ( XX/XX/2024 ) and the agent I spoke with confirmed that they did not offer any option for amounts other than Minimum Due or Statement BalancXXXX. I asked if they could set up a recurring payment for me and she said they could not. She took a complaint down and said the company was really good about reading them. I asked if I would hear back from anyone on the issue and she said, " No ''.
Consumer complaint received 2024-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

To whom it may concern, I Have been a victim of unfair, abusive and deceitful practice by Nationstar Mortgage/ Mr. Cooper XXXX Now that I have time to investigate all the wrong i felt was done to me in the past by Mr.Cooper. Complaints as follow ; XXXX # XXXX ) On XXXX, Mr. Cooper claim I missed XXXX payments, totaling {$4700.00}. plus their lawyer fees. They did a payment plan with my XXXX lawyer. Then XXXX  years later ( XXXX XXXX ) they sent my money back totaling {$4700.00}. without the XXXX fees, I knew I didn't miss those payments. According to federal regulations and RESPA that money should've been return to me immediately not XXXX  years later. 
Here 's the proof. transaction # XXXX, and XXXX it's a speed payment system they have. It show actual date and months.See documents,. Compl # ( XXXX ) I had a house fire on XX/XX/XXXX. I got a {$240000.00} check from the insurance company, Mr. Cooper put it in an escrow acct and gave me a certain amount on a draw to repair my house. XXXX  amount was {$70000.00} to start. Then XXXX  inspection on XX/XX/XXXX was @ XXXX  %. They sent {$62000.00}. Second inspection on XX/XX/XXXX they estimated XXXX  % completion, They said I needed to be at XXXX  % to receive more money, So work was done until the money ran out. on XX/XX/XXXX. I did another inspection and they still stated it's XXXX  % completed. which didn't make sense. I removed roof, trusses. and completely Stripped and gutted the whole up stair, and all flooring downstairs. I hired an XXXX to redesign the roof plans and a company to pre-make the trusses, the demolition part of the house was completed and was ready to go back together. I bought supplies and material that was on site ready to go on the house and was paying payroll. ( All that cost money ) But Mr. Cooper still stating I am at XXXX  % and refuse to send more money. It's been about a month plus. I'am going back and forward with them for more money, I'am telling them, I'am running out of money and once the roof is finish they would see a lot more improvement, But Mr.Cooper loss draft department still refused to send more money. I reach out and asked to see documentations about the XXXX  % rule and they explained some documents have to be through court order. At this point, I had to make a decision, to avoid more damage to my house. see pic. So I sold my house. AS IS, and took a huge loss. CompI # ( XXXX ). Since XXXX, Whenever I'm late making my mortgage payment Mr. Cooper charge me a {$15.00} to {$20.00} fee, just to send someone by the property to make sure I still live there. I need to know if these fees are part of my contract with Mr.Cooper. My copy of contract got damaged in the house fire. I make my mortgage payments late intentionally, But I never put my house in danger of losing it.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (PA)

Someone has stolen my information. received a letter from XXXX telling me they denied my opening an account. I called them and advised it was not me. I have frozen my credit on the XXXX credit bureaus so guess that's they ran up against. I now have a letter from them showing there was XXXX XXXX XXXX and a deposit and withdrawal. Why can't that be traced back so the person can be caught?