davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom this may concern, There are inconsistencies on my credit report from debt collector XXXX XXXX int The follow Transunion is showing account as open while XXXX  & XXXX  are showing account closed. This does not meet Fcra requirements as stated in transunion remarks & they are inaccurate.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (MA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PHOENIX FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir/Madam, I am writing to dispute owing any and all debts to PHOENIX FINANCIAL SERVICE XXXX I am requesting debt validation. I am requesting the purchase agreement between PHOENIX FINANCIAL SERVICE and the original creditor XXXX XXXX XXXX. I am requesting proof that PHOENIX FINANCIAL SERVICE Is licensed and bonded. 

I dispute this debt for the following reasons : 1. Collection agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report.

2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

4. Collection agency has no authority to furnish any account to a consumer reporting agencies without any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I am revoking all rights of PHOENIX FINANCIAL SERVICE communicating with me through email/text/calls. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

I tried to make a loan payment and my payment was declined in error. I spent 45 minutes trying to make a call and once someone picked it up, they hung it up. The automated line even asked me to provide feedback on a customer service rep who never picked up the phone. If I can't pay my loans, I will be charged interest on loans unfairly that I'm trying to pay off. This will unnecessarily cost me money if not resolved immediately.
Consumer complaint received 2024-02-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (TX)

COLLECTION MANAGEMENT put a fraudulent debt collection on my credit report for {$1200.00}. I havent went to anything medical for this debt to be accurate. the original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have already tried to do this before with a different 3rd party debt collection company that i made a complaint on here about and it turned out to be fraudulent and it got removed from my credit report so theyre trying to do it again. I have XXXX knowledge of either of these companies.This needs to get removed from my credit report IMMEDIATELY. COLLECTION MANAGEMENT address and phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I made three purchases at XXXX, each totaling {$500.00}, amounting to a total of {$1500.00}. Chase Bank 's reward program for the fourth quarter of XXXX includes a 5 % reward points bonus for shopping at wholesale companies like XXXX. The terms specify that any expenditure made by XX/XX/XXXX qualifies for this bonus. My purchase, shipping, and delivery dates were all on XX/XX/XXXX. I should have been eligible for the 5 % reward points bonus for the fourth quarter of XXXX. However, Chase Bank only posted these transactions on XX/XX/XXXX. As a result, I received only 1 % in points and missed out on the XXXX points I should have earned. 

According to the terms and conditions of the bank 's rewards program, purchases made by XX/XX/XXXX are eligible for the 5 % bonus, with no specification regarding the posting date. I discovered this issue on XX/XX/XXXX, and contacted Chase customer service. They requested that I inquire about the reason for the delay at XXXX. I called XXXX, and based on XXXX 's confirmation, all procedures were completed and submitted to the bank before XX/XX/XXXX. There is no record indicating any delay until XX/XX/XXXX. Subsequently, I contacted Chase Bank again. The bank customer service staff asked me to wait for the paper document explanation after 14 working days on the grounds that it was being processed. 

On XX/XX/XXXX, I received a written explanation stating that my purchases were considered to be on XX/XX/XXXX, not meeting their requirements, but without providing any reason for the discrepancy. 

As a user, since I can only control the purchase date but not the bank 's posting date, I believe this is not my fault. According to the terms, the bank should adhere to its regulations and provide the corresponding points. After contacting Chase customer service on XX/XX/XXXX, they requested that I upload my purchase receipts on their website to resolve the issue, but the matter remains unresolved. As of XX/XX/XXXX, I have not received any clear explanation from customer service. I believe they have violated their own terms displayed online. As a customer, I made the credit card transaction on XX/XX/XXXX, and Chase 's customer service has not provided me with a reasonable explanation, but stating that they are unable to handle the issue. Despite multiple phone calls and system message submissions, there has been no resolution. I hope to receive assistance here to communicate with Chase and obtain the 5 % cashback that I am entitled to.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I filed a complaint of fraud with Chase because I lost my phone and debit card about a month ago and it was used to withdraw funds from my bank account and I did not authorize any of the transactions. Chase did not provide me with conclusive evidence of why they denied my claim or dispute and appeal. The unauthorized transactions happened on XX/XX/XXXX and it totaled to be around almost {$28000.00} that was wiped out within a one hour timeframe. I believe it was an inside job and Chase is trying to cover themselves for not holding responsibility of allowing this to happen to me, and they do not want to be holding themselves accountable for breaking protocol. I will be getting a lawyer and taking them to court to resolve this issue.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

I hope this message finds you well. I'm reaching out to address an issue regarding the delivery of my account statements. Despite being a loyal customer, I haven't received any statements for the past few months. Upon checking, I realized it might be due to a small balance in my account during that time. COMENITYCAPITAL/XXXX  XXXX
Consumer complaint received 2024-02-03
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: Navient Solutions, LLC. (TX)

The Navient account reported on my credit report is not mine. The agency has sent information to me with names and addresses that conflict with the dates and times of my being in the country when this account was potentially opened. Navient has harassed me about paying this account and has offered various ways and amounts to pay. However, the account does not belong to me. I have contacted the agency and filed several affidavits and complaints to the CRAs, including the attached FTC report denying all allegations that this account belongs to me.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (TX)

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is GLOBAL LENDING SERVI Date of Inquiry XXXX which I did not notified nor did I authorized this company to pull my reports. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America charged a right to offset on a business card leaving me in dire straights to pay my mortgage. They took XXXX out of my checking fully knowing I was in a hardship. They offered no solutions and increased a payment for when they knew I couldnt pay.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America was well aware I was going through a hardship. I advised them many times. They only thing they offered was credit counseling which I was not approved for. Upon requesting help with my payments, they gave me a higher payment. They do not have any solutions to help out borrowers. 


They run the time on complaints- stating they will respond in two day then take weeks to. They took XXXX} from my checking account fully knowing I was in a hardship. They put me in dire financial stress making it difficult to pay my mortgage.
Consumer complaint received 2024-01-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (GA)

I've called Pro Collect to get information regarding the debt owed. They are very rude, unprofessional. They refuse to send information regarding the validity of the debt. I told them the debt in question was fraudulent. Their response was you either pay it in full or we will flag the account as " refusal to pay. '' The representative then went on to say it was their company policy to respond in that fashion regarding old accounts. Then hung up the phone.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

I made a transaction using my debit card password, on XX/XX/XXXX at XXXXXXXX XXXX in a company called XXXX, the transaction was carried out successfully only once and the bank charged me twice, leaving me with a Pending balance WITHOUT BEING ABLE to use it, for almost 15 continuous days, and I called to complain that they had charged me twice and they told me I had to wait ... without giving me any more options when I need my money and I paid it only once... I went to the store where I made the payment and they gave me a separate receipt from the first one where they showed me that it was a mistake by the bank in charging the transaction twice. because they only have one payment and which has already been posted to my account successfully... this is not the first time that it has happened to me with payments that I make with an XXXX banking institution that they charge me double for a single transaction and leave me without money for 15 days continuous... I attach to this claim the proof of receipts and photos of my online banking... thanking you for your help... please... I am tired of this bank abusing my conditions as a customer. and today I called customer service and managed to speak with a supervisor named XXXX who laughingly told me that I had to wait ... without giving me any more options and mocking my desperation for needing my money to pay my bills, this call I made it today, XX/XX/XXXX at XXXX XXXX this being my second call in what I have been waiting for my money to be released... I need my money please!!!!!!
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXXXX/XX/year> I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Huntington Debt Holding LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (MO)

Opened a secured credit card with US Bank and provided them XXXX dollars. On XX/XX/2023 they called and stated account was being closed due to underwriting. No warning was given, advised to over night/expediate my funds back. Waited 3 days, contacted US bank again, they stated the account was closed but the savings account that held the secured funds would not be closed until XX/XX/XXXX. I stated no you will get my money back to me as you closed my credit card and I want my funds. Agents hang up and on calling back they just hang up.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

My former apartment complex, The XXXX, sent me my move out statement that showed I didn't owe them anything after my move out on XX/XX/2022. I was also told by the office that if I should owe a balance they would allow me 30 days to pay the amount owed before sending to collections. Less than two weeks after the initial statement showing nothing was owed to them, I was sent to collections for an amount over {$500.00} and was not notified until my new apartment complex manager let me know that my previous apartment complex had just called her to try and keep me from getting an apartment at my new complex claiming I owed them money despite the statement I had from them showing I didn't. Then a few days later I received a collection letter from PCI ( ProCollect ) stating I had been reported for debt collection and that I could dispute or ask for validation of the debt. On XX/XX/2022 I went to the ProCollect website and completed their contact us form with my reference number provided in the letter and I disputed the debt and asked to be contacted. I never heard back from ProCollect despite my attempt to establish contact to discuss the collection attempt so I could provide my documentation and the slander that was attempted by the apartment manager in trying to keep me from getting a new apartment for me and my XXXX children as a single mom that was not notified and given false information by my former apartment management. I receive several calls from them but they never respond when I answer the phone and instead the call disconnects. They are reporting to my credit report and it doesn't seem right considering I had made attempt to dispute the debt and reach a resolution with ProCollect.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

The loan was sold to another company and they were late the 1st month getting us a proper statement. The 2nd month they have n't credited the $ 's immediately to our account AND did n't send out a statement promptly to show monies received and the statement for the next month. They processed the statement on XXXX and we received it on XXXX, with the payment being due XXXX. They are well aware that they are not processing and sending these statements out in a timely matter. We want to send our payment in before the first of each month WITH A VALID STATEMENT REFLECTING THAT LAST PAYMENT RECEIVED. I expect to my payment to be applied immediately and receive a statement reflecting that, with plenty of time to pay by the first of the month to allow for mail issues. The company name is Nationstar Mortgage XXXX XXXX XXXX, XXXX CA XXXX
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

I believe the account is invalid. JPMCB CARD ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.JPMCB CARD XXXX
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC (OH)

my information and identity has been compromised when i apply for a consumer loan to purchase a vehicle this company violated my consumer rights with their deceptive contract posing as a car dealer/financial lender which offers credit under the fair credit laws but when this business finance this vehicle with the apr of 29.9 percent to 31.5 and payments of XXXX by weekly and charge my credit card XXXX of a down payment plus their dealer finance charges this was too much so this company has refused to let me know any information other then this promissory note and their exurbanite charges with them have other business such as charging me for car insurance when this is something the they have already had installed on this vehicle this company would not cooperate with lending practice XXXX when the borrower has a lost of job and cant pay and the arbitration and to stop payment request until all matters have been settle.
Consumer complaint received 2024-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (CA)

I used a XXXX machine and it was returned. This caller was trying to collect a debt that does not exist Machine was returned approximately end of XX/XX/XXXX The caller contacted me today, XX/XX/XXXX, telling me I owed {$150.00} I gave my birthdate to the caller and when they asked me for my credit card number, I said " I am going to call the company from whom I got the machine '' I called the XXXXXXXX XXXX and was told my balance was XXXX. That I owed no money I asked the caller today for the name and phone number of their company. The caller said " Credit Management Company '' and the phone number is XXXX.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (NC)

I was called by a very rude person who called several times until I answered ( proof on call log ) also it was wayy after nine when I did answer and told them my rights they got very hostile and started using abusive language and threatened to turn me into the credit bureau even though I was told by the complex we were settled by the district XXXX herself! Also the amount they claim is wayy off that we got in our letter. Plus I was told this was a company owned by XXXX XXXX XXXX which I know how debt collection works and I know thats not the case. So in summary the agent lied and tried to be manipulative and was very rude and aggressive.