davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year> I opened a checking account with Bank of America. I deposited {$20.00} to fund the account and subsequently had another {$200.00} deposit made from a merchant that same day. On XX/XX/year> I had another deposit of {$560.00} from the same merchant. On XX/XX/year> I deposited my payroll check of $ XXXX my checking account. After depositing the paper check into a Bank of America atm I was notified that the deposit would take up to 10 days to post. I was upset due to the payroll check being legit and having to wait such a long time for my funds to be available. This caused me to be late on numerous bills. I reached out to their customer service department via telephone call on XX/XX/year> in hopes of resolving the issue but was told my payroll check would not post until XX/XX/year>, but was reassured the funds would be available upon that date. On XX/XX/year> my payroll check finally posted to my checking account with Bank of America and showed as available in their mobile banking app. Subsequently, my Bank of America debit card kept declining in grocery stores so I checked my balance at the atm and it showed available funds in the amount is active of {$1700.00} but would not allow me to withdraw funds. I visited a branch office and was advised my debit card is active but my checking account has been frozen due to suspicious activity. I have barely used this account except for a few legit deposits. I am now falling behind on bills and being inconvenienced unjustly. I feel like this may be a XXXX issue, as I am a XXXX male. There has been nothing fraudulent on this account. I was also made to wait XXXX business days for a check to post to my checking account without a single penny being made available, which is in clear violation of FDIC rules.
Consumer complaint received 2024-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION (WA)

I was contacted by a company named XXXX XXXX XXXX XXXX, to collect a XXXX dollar debt owed to Check N Go, XXXX. I asked him to provide written documentation to me proving its my debt and they wouldn't. So I called Check N Go who was also Axcess Financial Services. They said I did take a loan on XX/XX/year> for XXXX. I did not ever sign for, take a loan or accept money from any of the companies listed. I then received an email from a company call XXXX XXXX XXXX, with a copy of a contract with my name on it. There was no signature of mine on the document and I would not ever accept a loan with 245 % interest. This loan was financed by XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, and that is what is listed on the loan contract.
Consumer complaint received 2024-08-22
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (FL)

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Consumer complaint received 2024-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Paramount Capital Group, Inc. (FL)

On XX/XX/year>, I made a payment to Paramount Capital Group from my XXXX checking Account in the amount of {$200.00}. They were unable to process the payment. They said there was NSF. However there is plenty of money in the account to cover the payment. Now Paramount Capital Group is charging a fee and will not refund the fee. I have never been late with a payment. Is there anyway to get help?
Consumer complaint received 2024-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (IL)

I asked for the amount owed, One debt is XXXX dollars or less. They said the other debt was XXXX however I already made a payment of XXXX which means the debt is below XXXX and shouldn't be reporting on any of my credit reports. Collection account needs to be removed from XXXX, XXXX and XXXX.
Consumer complaint received 2023-11-15
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 have been disputing with Equifax, XXXX, XXXX and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 

This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my Equifax consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by Equifax, XXXX, XXXX and the other creditors ( XXXX XXXX ). 

I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 

IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY EQUIFAX, XXXX, XXXX AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ).
Consumer complaint received 2016-06-20
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NATIONSTAR MORTGAGE LLC (TX)

On XXXX XXXX, XXXX, XXXX agent foreclosed on my house. After the completed foreclosure sale, the substitute trustee executed a trustee 's deed to the XXXX XXXX XXXX XXXX XXXX. XXXX filed an eviction suit and was awarded Judgment of Possession. 

On XXXX XXXX, XXXX, I filed a lawsuit to stop a post-foreclosure wrongful eviction. This lawsuit XXXX is currently pending in the XXXX XXXX XXXX XXXX XXXX because the Defendants ( XXXX and XXXX XXXX XXXX ) was granted leave to file an answer to the complaint more than two years late. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX filed a late answer to the lawsuit and included the following affirmative defense : XXXX. Should Plaintiff be awarded any damages, Defendants are entitled to offset and recoupment in the amount the funds due and owing at the time of the foreclosure sale plus reasonable market value rent from the date of foreclosure until the service release of the loan to non-party Nationstar Mortgage , LLC. 

As per the aforementioned defense, Nationstar 's predecessor, XXXX XXXX XXXX, is asking for rent after the foreclosure sale on XXXX XXXX, XXXX in their answer. However, Nationstar contends I owe them more than {$110000.00} for the same loan their predecessor foreclosed on. I have not executed any loan agreements to XXXX XXXX XXXX or Nationtstar since the foreclosure sale on XXXX XXXX, XXXX. 

Nationstar is reporting this fraudulent, incorrect, and false information to a third party, the credit bureaus XXXX XXXX XXXX XXXX is claiming the house was foreclosed and they are seeking rent post foreclosure. 

Nationstar is claiming I contractually owe them from XXXX XXXX. 

To add on, Nationstar is reporting to XXXX that the loan is a contested foreclosure. 

Nationstar is reporting contradictory and false information to XXXX the credit bureaus, and me. 

Nationstar has not been able to validate their debt collection activity. 

XXXX XXXX XXXX and Nationstar are colluding and harassing me to collect a loan that was satisfied from foreclosure proceeds four years ago. 

I will be filing this complaint with the XXXX, XXXX XXXX XXXX XXXX ; since my loan was XXXX insured loan. 


I 've included the following documents to substantiate my claims : 1. The Defendants ' Late Answer excerpts XXXX XXXX. XXXX ) 2. The most recent docket entry of the pending lawsuit, XXXX. XXXX ; Order Continuing Stay dated XXXX XXXX, XXXX These are records that are documented in the Federal Court that are undisputed.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I was a victim of XXXX XXXX that has resulted in debt bondage. 

Per FCRA 605C all negative items related to XXXX XXXX must be deleted from my consumer reports.
Consumer complaint received 2023-05-25
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. (CA)

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

Account name : XXXX XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

IC System INC is reporting inaccurate and harmful information on my credit report. I disputed the information with XXXX, and they have yet to respond with verifiable proof of the debt. I have attached a copy of the report from XXXX as well as identifying documents for myself. I am using my right to FCRA Law and demanding immediate deletion of this item from my credit report.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2024-05-14
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. (NC)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-07-01
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: TFC Credit Corporation of California (TX)

The negative rating on my account is a major concern due to its impact on my credit. It has led to a loan denial and higher interest rates on my current credit accounts. This situation is causing me significant financial and emotional stress, which will persist until resolved.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

A Department of Justice attorney on behalf of the XXXX has issued a settlement check in the amount of {$28000.00} to XXXX XXXX XXXX XXXX XXXX XXXX. The DOJ has proof of the deposit and the amount being cashed that has been shared with XXXX settlement attorney by the DOJ on XX/XX/XXXX. Paid date from the DOJ is XX/XX/XXXX. Check number is XXXX. Status : reconciled. However, Citibank has opted to block XXXX account and has notified him they are severing the account. On XX/XX/XXXX, Citibank XXXX ( XXXX ) instructed XXXX and his lawyer to contact his local Citibank branch to withdraw the transaction and give back the check. XXXX XXXX of the Citibank branch on XXXX XXXX XXXX in XXXX would not answer if her bank would do so when speaking with XXXX and his legal representation. Instead, she hung up on both of them even though they were merely following the direction of Citibank Fraud, of which XXXX was advised. The DOJ has asked that if the bank can not withdraw the transaction and give the check back immediately then to provide a statement so the DOJ can issue a new check to XXXX. XXXX would not answer and again opted to hang up on the callers instead of taking professional and reasonable action by investigating the matter and finding a solution. As of know and because the money has been deposited and cashed with proof from the DOJ, XXXX and his legal representation would like Citi to refund him the money with the interest they have accrued from holding the Federal governments money, immediately. The above is also being shared with the DOJ attorney on XXXX settlement case.
Consumer complaint received 2016-06-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

mortgage service charging borrowers ' excessive fees : late fees - swept onto accounts on or before the grace period actually expires. Issuing " late fee '' correspondence to accounts that have been set-up or on Auto draft, EFT or ACH and triggering inspections leaving borrower to absorb costs that they have no knowledge of ; healthy corporate advances and misapplying payments due to error in payment process ; reversing payments ( long enough to collect " per diem ( s ) '' ) and, then applying late fees after corrections ; calling borrowers who have asked company to Do Not Solicit ; letting bankruptcy accounts walk away without the knowledge that they can reaffirm thus locking them into payments that eventually cause foreclosure because of no reaffirmation ; not reporting on-time payments to credit bureaus and borrower has no knowledge until they are into re-financing ; borrower 's are told not to make the current month payments while awaiting for re-finance decision and if the re-finance is not approved, then the payment considered late and [ borrower ] absorb late fee and are now a month behind and struggling to catch up. Not sending borrowers ' [ their ] time-stamped collateral after payoff and much more. 
The systems algorithm is primarily set-up to sink the borrower thus, these malicious atrocities and others leaves one scrambling for payments that could have easily been applied in a timely manner had Borrowers been told to make the payment so not to affedt their credit report. Borrowers are aware of this and know that this particular mortgage service is getting worse... now they are trying to re-brand because of a lawsuit payout. Nothing has changed, they are still predatory lenders.
Consumer complaint received 2024-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc (WV)

XX/XX/XXXX bought a XXXX XXXX XXXX XXXX from Harley Davidson of West Virginia. It was a Friday night my bank was closed already. The dealer talked us into going ahead a financing thru Harley Davidson even though their interest rate at the time was 14.14 % even after he had checked my credit score and saw that I had a XXXX and told us that it was the rate HD was offering at that time and that on Monday morning when my bank opened we would be able to refinance with them. My bank has informed me that they were not able to finance because XXXX value was well below the amount they had charged us. XXXX value was {$28000.00} and our Bill of sale was for {$43000.00}. 
We had found from XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX after calling and trying to get them to refinance had told us that they don't refinance their own loans and had fired the manager and the person who did the Financing paperwork. I called HD of West Virginia talked to the new manager explained the situation about the XXXX value issue they worked up a new bill of sale added additional parts to the bill of sale that were on the bike to try to get the value of the bike higher so my bank would refinance for us, it didn't help. We have been making every payment of {$810.00} every month since XX/XX/XXXX. Hoping to eventually be able to refinance, it has been a slight struggle making ends meet.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (NJ)

XXXX is XXXX XXXX XXXX XXXX XXXX XXXX line. I get 30 calls in a 3 day span asking for different names. I have asked multiple times for them to remove the number as it is a business and none of these people work for the university. Then, the number of calls increases. It is maddening that I can not answer my phone because of these nuisance calls. If there are this many fraudulent accounts with Discover then maybe they should not be a credit card company. I need this number removed as it is disrupting my work in the XXXX
Consumer complaint received 2024-06-26
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: BARCLAYS BANK DELAWARE (MA)

My airline account through JetBlue was hacked and {$16000.00} worth of fraudulent flights were booked on my JetBlue credit card through Barclays. JetBlue uses a third party, XXXX, for travel insurance which was booked with the fraudulent flights totaling {$300.00} Barclays denied the dispute because XXXX had all my information and determined it was me who booked the flights. They would not provide any proof that the flights were determined fraudulent to provide to XXXX. JetBlue also would not provide this information so I have no proof to provide to XXXX. Barclays provided me with the proof provided my XXXX which I have attached. This proof is because my account was hacked so they think I booked it when I did not. The fact the flights were deemed fraudulent should be enough proof but Barclays and JetBlue refuse to help
Consumer complaint received 2024-06-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX ally financial recieved a payoff check for my car from XXXX XXXX, so far ally has not cashed this check causing me to enter late fees and such as of tomorrow XX/XX/XXXX!.