davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

In XX/XX/2017 my payments increase after a 24 month repayment agreement. Unaware of my increase in monthly payments I attempted to make a payment and was told they were not going to accept the payment. I seek housing counseling from a HUD counseling agency and submitted a financial packet to be considered for a modification to make my payments more affordable. I was approved for a 2nd time for a 12 month repayment plan which is double the amount of my original mortgage. I disagreed with the decision and sent proof of my income and expressed that the rate is over 9 % and I was unable to afford this payment agreement. They insist on telling this is all they can offer.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NCB Management Services Inc. (MO)

To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against XXXX XXXX XXXXXXXX XXXX for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, XXXXXXXX XXXX XXXXXXXX XXXX does not hold a valid license to collect debts within the jurisdiction of Missouri. 

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB. 

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that XXXXXXXX XXXX XXXXXXXX XXXX ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on XXXXXXXX XXXX XXXXXXXX XXXX to deter similar violations in the future. 

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against XXXXXXXX XXXX XXXXXXXX XXXX to delete all credit reporting immediately. 

Also, for every violation I request to be paid for Thank you for your attention to this matter.
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/year> I received a statement from Midland Credit Management. It said that I owe XXXX XXXX XXXX XXXX {$2100.00}. I have a XXXX XXXX credit card now, but it is a different account number ( last XXXX digits - XXXX ). I have had this account for about a year, and I still have credit available. 
This is the first and only XXXX  XXXX account I have ever had! I do not owe {$2100.00} to anybody.
Consumer complaint received 2024-08-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

I sent a copy of XXXX credit report showing a birthday for the XXXX i born in the year of XXXX this is a violation of my rights but they would not send any proof this in fact was my debt with XXXX XXXX XXXX
Consumer complaint received 2024-05-22
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: CITIZENS FINANCIAL GROUP, INC. (CO)

I purchased several appliances from XXXX XXXX financed through 'Citizens pay ' by Citizens Bank . This was on approximately XX/XX/XXXX. I also purchased {$800.00} worth of warranties for the appliances. I did receive the appliances, but around XX/XX/XXXX, I was informed that XXXX XXXX ( the business selling the products ) went out of business and never paid for the warranties to the third party supplier. Citizens bank was informed by me and others about the situation, but after 3 months still has not removed the amount I paid for the warranties. I have provided them with invoices and information about the situation and they keep telling me there is no update. These charges were financed through Citizens Bank and will begin to incur interest in XXXX of XXXX. I am still making monthly payments, which is a percentage of the total amount, which does include the warranties. 

I need to have these warranty charges removed because I never received the products.
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I was contacted today by phone and told that someone used my SSN to apply for a Bank of America credit card. I was surprised to find my XXXX in the public domain. 

The caller identified himself a being with BOA XXXX XXXX, XXXX XXXX. He asked, and I agreed he could pass this to CFPB. 

The caller identified himself as XXXX XXXX with CFPB. He provided the following : CASE ID XXXX CONFIRMATION # XXXX PHONE XXXX The reason for this communication was to get confirmation from your agency that all this is in fact true, and not a scam. 

Best Wishes, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX cell XXXX
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

The letters are stated with items and issues.

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 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (GA)

Last year my auto pay randomly shut off, I got it figured out via online through PNC It happened again after that and affected my credit..went to branch and they fixed the auto pay for the second time but said they couldnt fix that it put a ding on my credit ( which I know is not true ) auto pay shut off again affected credit for third time a couple months later went back to branch they assure me it wouldnt happen again. It happened for the fourth time now, affecting my credit each time. I refuse to pay them the late fees and want it off my credit score and they took it upon themselves to withdraw the fees and payments owed from my savings account without any approval. Ive been with PNC bank for 14 years
Consumer complaint received 2018-10-26
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. (FL)

The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 


XXXX account ( # XXXX )
Consumer complaint received 2024-05-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Account opened without my consent or knowledge
Company: NEW YORK COMMUNITY BANCORP INC (CA)

I tried eight times to open an account with Flagstar. In the process, the site froze, at the same location every time. I contacted the bank and talked to an agent to determine if any of the accounts had gone through. He said " No. '' He wanted me to go through setting up an account with him on the phone. I did. The site froze at the same location, again. I decided if they had glitches in the set up process, where else were there glitches and decided to NOT open an account. 

Several days later, I receive THREE email congratulating me on opening accounts. THREE when I did not even complete the process for one! 

I called and talked to a rep. She said she would write up a case and have my money refunded. Nothing happened. I called the bank again the next day. Same response. She would follow up and have the bank refund my money. Nothing happened. 

I called again today. They can't refund me the money. I have to request the accounts be closed and pay a penalty for early closure! They can decide if they want to close my account or not! If they decide to close the account, I will be charged an early termination fee. 

They steal my money, then I have to pay to get it back!
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TN)

I don't recall having a contractual relationship with this collection company NATIONAL CREDIT ADJUST. 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 2024-05-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My name is XXXX XXXX. I am NOT a 3rd party.I am a natural person submitting this complaint, and I am requesting that these negative items be removed from my credit report.

I AM DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!

I am writing to address a serious issue regarding the closure and subsequent reporting of a late payment on my now closed Capital One account # XXXX. 
On XXXX XXXX I attempted to log into my account which was restricted by Capital One. I called customer service and was given NO explanations to why this occurred. 
Furthermore, I have NEVER paid late on this account since being a customer of Capital One since XXXX. I am aware of my rights under the Truth In Lending Act ( TILA ) and the Consumer Credit protection Act ( CCPA ), which protect consumers from unfair or inaccurate credit reporting practices. It is my understanding that under these laws, financial institutions are required to provide consumers with clear and timely notifications of any account closures and to ensure that any negative information reported to credit agencies is accurate and verifiable. I am deeply concerned that these laws may have been violated in the handling of my account closure and the reporting of late payments post-closure.

Pursuant to 15 U.S. Code 1666b-Timing of Payments : ( A ) Time to make payments A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not late than 21 days before the payment date.

The issue with this is there was no statement provided to me as Capital One has restricted my access to even receive any statements as of XXXX XXXX and also nothing was received via mail.If so, Can you provide me with the tracking number of the periodic statement that was mailed or delivered 21 days before my payment due date along with all of the information required by Section 1637 ( b ) Furthermore, Section 806 ( g ) of the FCDPA, prohibits any unfair or unconscionable means to collect or attempt to collect a debt, which could apply if late fees or additional charges are being applied to a closed account post0closure in an inappropriate manner. 


YOU ARE BREAKING THE U.S. FEDERAL LAW in the manner in which this account is being reported and handled.

I AM DEMANDING YOUR COMPANY DELETE THESE LATE PAYMENTS POST-ACCOUNT CLOSURE AND UPDATE YOUR RECORDS TO REFLECT SUCH, PLEASE SEND ME A COPY WITH WRITTEN CONFIRMATION OF ANY CORRECTIONS MADE TO MY PAYMENT HISTORY AND ACCOUNT STATUS.
Consumer complaint received 2024-05-21
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. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ipromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (AL)

A collection was placed on my XXXX, XXXX and XXXX credit reports by a collection agency called XXXX XXXX XXXX with an address listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX that states that they purchased a debt that I owe to CashNetUSA.com in the amount of {$260.00}. Supposedly this loan was initiated on XX/XX/2024. I have never opened an account or borrowed money from CashNetUSA. I have disputed this collection with all three credit bureaus as well as filed a complaint with the XXXX  against both CashNetUSA and XXXX XXXX XXXX. I have received XXXX communication from either party regarding this alleged debt and would not have been aware of the fraudulent collection had I not checked my credit reports.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

Upon reviewing my payment history, I noticed that although my payments were made within the required 30-day period, they were posted to my account after the 30-day mark, resulting in a late payment being reported on my credit report. Two payments were made the month XX/XX/year>. One on XX/XX/year> and the other on XX/XX/year> for the entire balance. However payment, didnt post to my credit card until XX/XX/year>, causing the 30 day late. Please see attached highlighted payment history. from my bank transaction list.

In addition this matter caused my limit to be dramatically reduced from {$4500.00} to {$500.00}. The low limit results in me rarely using this credit card.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XX/XX/2022
Consumer complaint received 2023-12-31
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. (CA)

Under 15 USC 1681 ( a ) ( J ) everything must be accurate and verifiably correct.

along with protection of my rights to privacy and accurate reporting of my info.

I have had to purchase the credit monitoring but for the whole year I haven't been able to pull up any updated reports for XXXX XXXX and EXPERIAN, it's been stuck since XX/XX/XXXX. I am unable to dispute the erroneous and obvious violations on my report. 

I have never been late with any of these accounts. 
It is also illegal to list late payments the year of XXXX XXXXXXXX and with the lates listed as XXXX XXXX and 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  - The following inquiries I never authorized no have knowledge and I want them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want the inaccurate reporting of the accounts deleted and the inquiries removed. 
I will pursue monetary compensation if this illegal and blatant vilotion of rights is not corrected in a timely manner. 

I have attached the credit report to show proof of the blatant andd illegal reporting,
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Consumer complaint received 2024-08-30
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: MARINER FINANCE, LLC (TX)

XXXX will not remove two fraudulent credit inquiries that financial institutions made without my consent. These companies allowed an individual to apply for personal loans without verifying my identity and this resulted in a negative impact to my credit score. even though I am a victim of identity theft, experience continues to refuse to remove the two 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 MARINER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

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