davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX NCB MANAGEMENT SERVICES XXXX XXXX XXXX . 
XXXX , PA XXXX Dear NCB Management Services , I am writing to dispute any and all debts associated with my name in your records. As per the Consumer Financial Protection Bureau ( CFPB ) guidelines, I revoke all communication rights and request validation of this debt. I demand full disclosure, including the purchase agreement between your agency and the original creditor, as well as proof of your licensing and bonding. Additionally, I request the deletion of all my information from your systems due to Kelly v. NCB Management Services Inc., No. 23-cv-927, complaint filed ( M.D. Pa. XXXX XXXX XXXX ). The complaint, filed on XX/XX/XXXX in the U.S. District Court for XXXX XXXX XXXX of Pennsylvania, alleges a data breach at NCB Management Systems Inc. exposed the personally identifiable information of as many as 1.9 million people. 

It has come to my attention that despite my requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Yet, you have reported this debt to consumer reporting agencies, which is a violation of my rights under the same regulation. 

Furthermore, I have not been given an opportunity to dispute this account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Your actions constitute false, misleading, and deceptive practices, which are prohibited by the Fair Debt Collection Practices Act [ 6 ]. Moreover, your furnishing of this account to consumer reporting agencies without proper disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) [ 5 ], [ 4 ]. 

I demand that you cease all collection activities and remove this debt from my consumer report immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TrueAccord Corp. (NY)

I had a past due balance of {$210.00} with a company called XXXX that extended credit to me. This past due balance of {$210.00} was showing up on my credit report. On XX/XX/year> I was able to save some money and pay off the debt, and was directed to send payment to the collection agency TrueAccord. TrueAccord does not own the debt nor do they report the debt to the credit bureaus, but are hired by XXXX to collect on the debt on their behalf. XXXX still owns and reports the debt. I paid the balance off and settled the account with TrueAccord on XX/XX/year> and they assured me that they will inform XXXX that my balance is paid off. I waited almost 4 months for XXXX to remove the debt off of my credit report on all XXXX credit bureaus and they have not yet done so. The last time they reported to the credit bureaus was on XX/XX/year> when I did indeed still owe a {$210.00} balance. I have called and emailed with XXXX and TrueAccord multiple times over the past 4 months to settle this, and have received zero support or sense of urgency to correct this issue. I even filed a dispute with XXXX and the dispute came back with absolutely no changes even though I attached screenshots of emails from TrueAccord confirming that the balance is paid off and that my debt isnt valid any longer. XXXX needs to remove this from my credit report immediately as it has been almost 120 full days since theyve received payment from me and they are ruining my credit score.
Consumer complaint received 2024-02-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc. (OH)

XXXX XXXX from National Enterprise Solutions called me at XXXX exactly speaking very aggressively. He asked to speak to me several times, I said yes how can I help you several times. When I said sir I have said how can I help you several times my voice is horse what do you want. He became irate, yelled at me and hung up the phone on me. He needs education. I answered. I proceeded with the conversation if I was going to resolve a debt I for sure would not do it with someone so aggressive! He is not allowed to call me anymore or I will personally file a restraining order against him. I am a young women he needs to learn how to speak to women.
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I am writing to seek your assistance regarding an issue I have been facing with my credit report. 

In 2015, I experienced a sudden job loss which severely impacted my financial situation. As a result, I found myself unable to keep up with my payments, including those to Credit Acceptance. Recognizing my difficult circumstances, Credit Acceptance kindly offered to settle the outstanding balance. However, they advised me to contact the Consumer Financial Protection Bureau ( CFPB ) to request the removal of this information from my credit reports.
Consumer complaint received 2024-08-07
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. (NC)

recently checking my credit report i noticed that XXXX been a victim of identity theft and found numerous credit inquiries i have no knowledge of, here are the inquiries that ive found : XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024 XX/XX/2024. Please remove these fraudulent inquiries from my credit report. i also attached my identity theft report as well.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BMO Bank, N.A. (CA)

I am writing to file a formal complaint against BMO Harris Bank regarding deceptive wording in a promotional offer for opening a new savings account. I opened a Relationship Plus Money Market savings account at the BMO Fremont Warm Springs Branch in California on XX/XX/XXXX as a promotional offer in the mailer from BMO stating Earn up to {$1000.00} when you open a new Relationship Plus Money Market account, make the qualifying deposit within 30 days and maintain the balance from day XXXX through day XXXX. The BMO banker confirmed on XX/XX/XXXX, that I was still within the time frame required, so I deposited the funds on XX/XX/XXXX, which is within 30 days ( = XXXX x XXXX hours ), and kept my funds in the account for more than 120 days but I have not received the promised bonus of {$1000.00} and the promised interest rate of 3.04 %. Upon complaint to the BMO Bank in XX/XX/XXXX, they claimed that I had not deposited the funds within 30 days because they count the day of account opening as day number XXXX. With this definition, BMO Bank should have stated that the funds have to be deposited within 29 days ( = XXXX x XXXX hours ). However, even with the BMO Bank definition, my funds were kept in the account from day XXXX through day XXXX. I really felt cheated and would like the promotional offer to be paid out. My request is for BMO Bank to honor the promotional offer of {$1000.00} plus the promised interest rate not yet accrued interest of {$290.00} for a total sum of {$1200.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars.
Consumer complaint received 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

the payments made are not being credited to my account when received and a mandatory hold was being placed in the payment. I have addressed the issue with the customer service of Barclays in XX/XX/2022, but the issue keeps on happening and can not explain the reason. 

Barclays does not have a reason to put a hold to my payments, no payments has been returned since this account has been opened. This account has been in good standing. This is unacceptable and unfair. It seems like my account has been targeted. 

i would like your agency to conduct an inquiry.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2024 I received notifications from my account saying my account was low while I was at work which was impossible because I never took money out of my account. I then opened my account to see {$140.00} taken out of my checking account, {$800.00} ewithdrawal from my savings as well as a {$200.00} atm withdrawal from my savings account. None of which I did as I called saying they were fraudulent charges almost immediately. Chase then a few weeks later only sent a letter in the mail about the {$200.00} fraud charge claiming they did an investigation and I was lying about the charge as I must have done it because the hacker had my PIN number. I explained that was impossible because I have never withdrawn money from my savings account ever before and I had my card physically in front of me. When I called to speak to the claims agent, she was extremely rude and not willing to help or transfer me to someone who would be able to help. They blamed me and told me I wasnt responsible with my card when I was and did my part and they did not protect me or believe their own client. They now took the money back out of my account and now my account is overdrawn. When I continued to ask for help and ask about one of the other fraudulent charges, Chase customer service would not answer the questions and hung up on me. This has been a horrendous experience that has caused me nothing but panic and anxiety and I was unable to recover my money because of Chase not doing anything to protect their customer.
Consumer complaint received 2023-09-19
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GB Collects, LLC (CA)

XXXX XXXX XXXX Keeps calling my personal cell phone after I repeatedly tell him ( XXXX ) XXXX my number is on the Federal Do Not Call List, Stop Calling I requested my number be placed on the companies do not call list and the company keeps contacting me. I called the company and the secretary answering the phone will not verify I am on the companies do not call list, she transferred the call to collections. I am being harassed by XXXX XXXX in violation of FTC do not call registry rules and regulations.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NY)

Dear Officer : I'm writing to dispute the following information that appears on my credit report. The accounts below have a huge impact on my credit score. Furthermore, I am facing a great deal of difficulty getting a job, taking out car loans, auto insurance, and moving houses. I am currently unemployed and have a hard time getting a job due to my bad credit. My car loan has also been denied, which is causing too much damage to my family. Please help. 

Please remove immediately the following accounts : Citicards Cbna XXXX XXXXXXXX I dont recognize this lender and account. Please remove this inaccurate information from my credit report. 

Sincerely XXXX XXXX
Consumer complaint received 2024-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Halsted Financial Services, LLC. (AR)

I received an email on XX/XX/24 from Halsted Financial Services regarding an account being handled for XXXX XXXX bank and offered payment options for the amount of {$420.00}. I replied to the email on the same day requesting the original contract with my signature and Halstead Financial Service signatures but received no reply. The account balance was only XXXX with the original creditor initially so I am not sure why the extra {$120.00} was applied and I never received communication informing of my right to dispute the information. This information is being reflected as a negative item on my credit report, therefore I am requesting it be removed immediately and I be compensated appropriately.
Consumer complaint received 2024-02-14
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: Affirm Holdings, Inc (MD)

I went to XXXX XXXXXXXX XXXX XXXX XXXXXXXX, the owner convince me to apply for a credit line with affirm l. After getting approved and payement was processed, and signed all the required documents, she expressed she needed to reschedule our appointment for a later date. Our session was supposed to last for two hours, but it only lasted for 5 minutes. When I left the office I felt that the staff very unprofessional .. now affirm is charging for a service I did not receive
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Self Financial Inc. (NV)

The credit card ( not the prior self builder account.That is a seperate issue .They have opened a new self builder account for me but its not reflecting properly on my credit report ) is still showing as open and that I owe something .That credit card should have actually been closed because it was included in my bacnkrupcy .They need to close it. Also I had money available to me over {$500.00} and it was never returned to me from the credit card.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

On XX/XX/XXXX, I sent certified green return receipt letters to LexisNexis ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ), requesting the validity of the bankruptcy they are reporting on my credit report. I received back a generic response from XXXX on XX/XX/XXXX : No change needed to be made to the item. On XX/XX/XXXX XXXX sent the results of their investigation. They stated they validated the information through a third party vendor, LexisNexis. On XX/XX/XXXX I sent a certified green receipt letter to LexisNexis ( XXXX ) along with the letter from the bankruptcy court stating that they do not report to the consumer reporting agencies. I have let all credit reporting agencies that they a going against 15 USC 1681b ( 2 ). Because LexisNexis had not responded and 30 days had passed, on XX/XX/XXXX, I sent my final letter in regard to this alleged public record on my account by certified green receipt letter ( XXXX ). Section 1681s-2 ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation.. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Section 1681i goes on to provide that, any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delete it.
Consumer complaint received 2024-07-10
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 was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I am attempting to unfreeze my credit with Experian. I do not have my PIN or my password, and I am stuck in an impenetrable loop trying to verify my identity. The website asks for my phone number to text me a code and says it has been sent but it does not arrive. I then use the voice option, but the call does not come. The phone system does not allow me to get in touch with a human being. My wife has tried this as well and runs into the same problem. 

I had no problem with either XXXX or XXXX. Only with Experian.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/year> my chase account was charged multiple fake charges from XXXXXXXX XXXX  account and chase notified me of fraudulent activity and reversed the charges on all but 3. two are for XXXX each and one is for XXXX. They closed my debit card and sent a new one. Every time I call chase they credit the XXXX but then keep debiting it a couple weeks later. This last time I spoke to a manager and she said it was because the merchant was manually entering the transaction and could see that the multiple other charges were credited back to my account. The manager assured me it would be fixed and now yesterday they have taken the XXXX out again. I have been trying to fix this since XX/XX/year> and have spoken to so many employees at Chase, can you please assist me. I have never ordered any food from XXXX
Consumer complaint received 2024-02-14
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: Block, Inc. (OH)

Re : Product not received ; no refund made. 

Dear sir/madam, On XXXX XX/XX/XXXX, I bought XXXX XXXX log splitter advertised on internet at XXXX ( see attachment ). The only options to pay was using AfterPay account ( https : //www.afterpay.com ). I opened account in AfterPay attaching my XXXX XXXX XXXX and made four transactions {$250.00} each ( {$1000.00} total ) for the order using Credit Card attached to AfterPay account. 
AfterPay forwards my payment to different merchant. My order opened in XXXX and payment made to XXXX XXXX XXXX ( see attachment ). 
I never made any orders in the XXXX XXXX XXXX and not authorize AfterPay to pay this merchant. 
In addition, the original order has no tax and the shipment was free. It makes me think these transactions are fraudulent and I opened dispute at XX/XX/XXXX in my credit Card account and request AfterPay to cancel the order and make full refund.

My AfterPay account indicates that order was canceled and all four transactions refunded to credit card, but refunds were not really made ( see attachment ). 
I contact AfterPay asking a reason why they not make refunds and they want me to withdraw dispute before refund ( see attachment ). 
I do not have refunds even they promise to make it at XX/XX/XXXX ( see attachment ). 
To resolve the problem, I would like a refund of my payments. I have enclosed copies of my contacts and screenshots about these transactions. 
I look forward to your reply and a resolution to my problem. 
Please contact me at the email on this letter. 
Sincerely, XXXX XXXX Enclosure ( s ) Screenshot of the order in topodzi.shop Screenshot of my account in AfterPay sending my payments to XXXX XXXX XXXX. 
Screenshot of my account in AfterPay indicate that payments were refunded on Credit Card. 
Approval for fraud clime for XXXX credit card. 
Email thread of my complaint to AfterPay.