davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc. (TN)

After living at a college apartment for a fews years i found myself in trouble paying my rent while attending school. me and the property manager were very close, so several months before getting evicted the manager asked me to attend a meeting with her and a former employee. this meeting was set in place to ask me to work for them to clear my debt with them, she understood i had been there for awhile and was willing to exchange services. the apartment was transitioning to a new name and they needed marketing pictures and video and because i'm a professional photographer she saw an opportunity for the both of us. weeks went by and i stopped hearing from her. she stopped messaging me and later that caused me to become evicted. i was done wronged and manipulated, because she left her management position with no notice. this was in XXXX. 

Southern Management Systems ( the furnisher ) had been communicating with me and as a young individual i had no clue on how to deal with this unfairness. i was told many times by the collector to talk to the apartment complex in which i did. that wasn't helpful because they kept telling me there was nothing they could do. i finally wrote a letter to the furnisher to dispute what i felt was an unfair collection. i mailed full details showcasing conversations i had with the manager and the dates and times. this dispute letter was mailed XX/XX/XXXX. i know they have 30 days to respond to the dispute so i waited and waited to only find out on XX/XX/XXXX that they did not have my information and files anymore and that it was sent back to the apartment complex! that was very disturbing. i asked for more information, and they knew nothing at all and told me to call the apartment because they couldn't help anymore. 

XX/XX/XXXX the apartment manager remembered me and expressed how confused she was about the situation and that she knew nothing about it. the same day i received an email from the apartment manager that said " this was an agreed judgment for possession. according to my notes, {$1300.00} was owed as of XX/XX/XXXX '' the apartment manager told me that she hasn't spoken with the collector on their reasoning for them sending it back and to reach out to their attorney. XX/XX/XXXX i reached out to the apartment attorney and was only able to leave a detailed message. it has been a few days now with no call back. i have been dealing with this for a long time with no one willing to give me proper information. 

p.s i renewed my lease and never received my incentive for doing so. they continued to act as if they didn't have the cruise tickets i was suppose receive. i will attach the promotion that states what the portion is for. 
Thanks
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (IN)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Conn's, Inc. (TX)

I have victim of a misrepresentation of some kind, someone open an account on the bellow company, never made a payment and a year later was when I realized it. 
XXXX XXXX XXXX Account XXXX. 
XXXX. XX/XX/XXXX XXXX POTENTIALLY NEGATIVE MONTHS Account charged off. {$8500.00} written off. {$8500.00} past due as of XX/XX/XXXX. 
I called the company they told me that they will take care that, no need for any other steps from my part. But never got resolved. Now I disputing this with the Credit Bureau to removed this as soon as posible. 
Best Regards XXXX XXXX
Consumer complaint received 2023-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I have a HELOC account with Citizens ' bank. I do make interest payments monthly. I also make payments to the principal. Interest payment is an automated payment that is debited from my checking account with Citizens. 

Outstanding balance on the loan varies throughout the month. Interest due is calculated based on the daily average. But I am making principal payments multiple times a month. Due to these payments, the interest calculated by the bank is not the actual interest owed by me for the month. Other banks recalculate the actual interest applicable when payment is received and apply the remaining amount to principal payment. This was the procedure followed by XXXX XXXX and XXXX This is not being done and the bank is doing illegal practices by applying the entire amount to interest.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lockhart, Morris & Montgomery Inc. (PA)

XXXX, XXXX XXXX XXXXXXXX, DELAWARE CO DRS, XXXX XXXX XXXX XXXX, LOCKHART, MORRIS & MONTGOReporting Transaction history is illegalaccording to 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report VIOLATION OF 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. 

AND Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

CREDIT ACCEPTANCE WAS PAID OVER {$10000.00} BY MY CAR INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 REDUCING MY AUTOMOBILE LOAN AMOUNT OWED FROM {$11000.00} TO {$1900.00} OWED. CREDIT ACCEPTANCE HAS REDPONDED TO 3 CREDIT BUREAU DISPUTES TO XXXX, XXXX, AND XXXX AS THE {$11000.00} BALANCE OWED AS CORRECT AS OF XX/XX/2018 WHEN THE CORRECT BALANCE AS OF XX/XX/2018 IS {$1700.00}. CREDIT ACCEPTANCE IS INTENTIONALLY RESPONDING TO CREDIT BUREAU DISPUTES INCORRECTLY. CREDIT ACCEPTANCE HAS REFUSED TO CORRECT THE ERRONEOUSLY REPORTED BALANCE OF {$11000.00} TO THE CORRECT BALANCE OF {$1700.00} AS OF XX/XX/2018. I HAVE DOCUMENTATION DATED XX/XX/2018 FROM CREDIT ACCEPTANCE THAT STATES THEY WERE PAID BY MY INSURANCE AND CAR WARRANTY COMPANIES IN XX/XX/2018 AND THE REMAINING BALANCE OF {$1900.00} IS TO BE PAID IN MONTHLY {$200.00} PAYMENTS WHICH HAVE REDUCED MY CREDIT ACCEPTANCE BALANCE PRESENTLY AS {$1700.00} WHICH CREDIT ACCEPTANCE REFUSES TO CORRECTLY REPORT TO XXXX, EXXXX, AND XXXX.
Consumer complaint received 2017-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I 've opened a credit card with XXXX about a year and four months.. I had 0 % interest for the whole duration of about a year and four months.. I used my credit card at about 50-80 % limit because I was investing in my education.. and used credit as an advantage and have payed it off before interest has took effect ... I tried to apply for a credit card at Bank of America and it seems my credit score went down due to using my credit limit at a high rate ... I would like to be able to talk about this since I was responsible for paying off in full without the APR taking in effect.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C. (GA)

I have informed the agency that I lack the funds and the responsibility for the debt they are attempting to collect. My residence was involved in a fire, and the owner 's insurance company compensated the owner. Now, the insurance company is pressuring me to pay through their collection agency, despite my homelessness and lack of financial responsibility as the tenant. Despite explaining this, they intend to persist in contacting me, evidenced by repeated back-to-back calls, which I have documented with screenshots. I request that they cease and desist from harassing me.
Consumer complaint received 2024-01-19
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: TRUIST FINANCIAL CORPORATION (DC)

I have two mortgages with Truist, ( 1 ) my residence and ( 2 ) my rental apartment. Truist claims there is some kind of problem with insurance covering these mortgages.

I would like Truist : 1. To confirm that the insurance policy for the rental has been processed and I will not be asked
to pay lender-placed coverage.

2. To put the rental mortgage on XXXX so I can check myself the status of insurance coverage of my mortgages. 

In early XXXX I received a letter in the mail from Truist that my insurance policy had expired on the rental mortgage, and that if this was not correct, I needed to upload the information to XXXX When I logged into the website, only my home mortgage was listed, not my rental mortgage. I emailed ( 1 ) the insurance policy information to their website XXXX, and ( XXXX ) also asking them to put the condo mortgage on XXXX 

On XX/XX/year>, I received two emails from XXXX, the first stating they received my insurance documents, the second that they had processed them successfully. They do not identify which mortgage, I assume it is for the rental mortgage. 

On XX/XX/year>, I received a third email from XXXX that the documents had not been processed successful. Again, they dont identify which mortgage. On XX/XX/XXXX, when I log into XXXX the rental mortage still does not show up ; so I can not verify whether the earlier emails confirming the documents have been processed or not. Also I call their customer service number at XXXX. I can not get reach a person to clarify the situation without indicating which mortgage has a problem. This is ridiculous.

I would like Truist : 1. To confirm that the insurance policy for the rental has been processed and I will not be asked to pay lender-placed coverage. 
XXXX. To put the rental mortgage on XXXX so I can check myself the status of insurance coverage of my mortgages. 

I am writing to CFPB because I have had these kinds of problems with Truist before, and I want independent documentation that THEY are the problem, not me. My properties have the correct insurance policies, it is their processing and poor website management that is the problem.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (PA)

had a check bounce in XX/XX/XXXX from my pnc account.they paid it and within 2 months they closed my account out.would n't let me close out my checking.but closed out my credit debit card never gave me all my money.and then found XXXX other cards from an account from XXXX i had at their bank that had stolen checks on it that they said they closed out n never did.one is good til XXXX n the other is good til XXXX.i did n't keep that account going and had just invested in phone cards and reload prepaid cards.now my credit score is XXXX and was asked to contact you by spectrum.i checked my score a few wks ago and it said i bought a house in XXXX and a new car in XXXX.i didn't.this is the XXXX time i 've been hacked into and they were surpose to have flagged me from then.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> my debit card was stolen around XXXXXXXX XXXX. in XXXX and a few hours later at around XXXXXXXX XXXX. someone withdrew {$600.00} from my bank account at a Chase ATM located at XXXX XXXX XXXX ( I also bank with Chase ) with 2 separate transactions one for {$500.00} and {$100.00}. 
I received a text alert immediately asking if these transactions were valid and I immediately declined them, however they were still able to withdraw the funds. 
I contacted Chase immediately and the opened a case where I submitted my location at the time, and proof that i declined the charges and other support. However they still found me liable for the unauthorized charges. 
I am unsure how the person ( s ) withdrew funds without by PIN, or how it was stolen from me, but I did not authorize any withdrawals. 
I asked them to show footage from the ATM to clearly see it was not me, however they declined to do so, even though it was their own companies ATM at a Chase branch with surveillance.
Consumer complaint received 2023-06-30
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: EQUIFAX, INC. (GA)

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 2024-01-19
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: Easy Finance, LLC (TX)

When I asked the company what kind of inquiry would be done, they said it would be a soft pull. However, I noticed that a hard inquiry was made on my credit report, even though I did not apply for this particular loan and I did not give my consent for a hard inquiry to be done. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (MA)

I have tried to find the culprit who has made the phone account after I had attempted to call them about it. They said it was made in 2015 but I have not made an account for verizon. My phone at the time was a pay by use type of phone, no contract. The company was XXXX. So when I could not find who could have done this I tried to dispute it online but that did not work. I had received a bill yesterday asking me to pay half of the cost of the collection but I do not see a reason to pay something that I did not make in the first place. I am a service member and I would like to end this as soon as possible that way my home buying wo n't attempts wo n't be jeopardize because of this collection.
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/XXXX I rented a Compact car at XXXX  XXXX  Car through a reservation made at XXXX for {$360.00}, of which {$140.00} would be collected by XXXX  at the pick up of the reservation. After concluding the rental I received a receipt where I was wrongfully charged an upgrade that with tax totaled {$220.00} in addition to the {$140.00} owed. I tried contacting XXXX to dispute this charge to no avail so I disputed it with my credit card through XXXX XXXX. XXXX Bank was able to successfully dispute the wrongful charge of {$220.00} but now I am being contacted by a Collection Agency, Transworld Systems Inc, saying that I still owe this money. I have spoke to many representatives at both XXXX  XXXX  and Transworld Systems Inc and have gotten nowhere. They constantly transfer me and put me on hold until I am disconnected. I do not know what to do about this wrongful debt as I thought it was resolved with my bank and do not want it to hurt my credit.