davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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. (TN)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (GA)

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal and non-verbal permission 15 USC 6802.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (LA)

I had an American Express, platinum card and an American Express, Delta card and on the cards. It says that there's multiple months where there were thirty and sixty days late, however, I made the payments. And then I kept getting calls from American Express. And they would tell me that I could only pay if I call them which was weird because I have up to that point paid online. And when I tried to actually call and talk to somebody about it. I'd be on the line for 3 hours. And I get ahold of one division and they send me to another division and the send me to another division. And I never got any resolution, and this happened multiple times. And then, without notice, canceled both of my cards. Been making all my payments online. Additionally, American Express would not honor the XXXX so I actually had to follow complaint with a better business bureau and after I filed a complaint, they finally honored it. I even went as far as to pay off the platinum card in full approx $ XXXX. To this day I don't know why any of that happened the way it did. And now I'm stuck with delinquent marks On two closed account one which I paid off in its entirety on my own and. I would like to at least have those delinquent remarks taken off.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Good Afternoon, I was shocked when I reviewed my credit report and found late payments reported on my credit report. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I still went ahead and made the payment as shown on the receipt attached, however there still discrepancies shown on my credit report the way it's reporting such as with the wrong balance, wrong date of last activities, etc. There are several and multiple inaccuracies reporting on my credit report with this account. Due to these multiple violations on the way, it's reporting, I'm asking that this account be updated and paid as agreed never late or completely removed from my credit file.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

After XXXX XXXX  reported to me that a credit card account was opened with CBNA Wayfair/Mastercard by me ( which i did not do ), I called CBNA wayfair/mastercard and verified that someone committed fraud and opened an account in my name and used my social security number. They confirmed that the address was not mine nor was the phone number that was given to open the account. 
They immediately closed that account before the fraudsters were able to use it. There was no balance due. XXXX!!
Consumer complaint received 2023-12-07
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. (PR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

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 AGENCYCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-01-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp (NV)

Good afternoon I am writing you today do to an error I have been dealing with. Two days ago on XX/XX/XXXXXXXX XXXX  I saw a debt collector collection notification on my credit report. It was for XXXX XXXX XXXX and the debt collector property receivables. 
The back story, I moved out of th address listed in the document over 2 years ago. I was removed off the rental lease and property as of XX/XX/XXXX the remaining tenant, was later evicted XXXX. 
However this eviction and collection is now showing on my credit WRONGLY. 
I contacted the collector company again today and the agent who attempted to assist was highly unprofessional and ended in trying to argue with me and defensive. I can say I was upset as all of this hit my credit and is now preventing me from buying my car at a decent interest rate or being approved. This is the only collection on my credit which is now a high impact. THIS ERROR has caused extreme suffering and stress. I need a vehicle and now o have to wait even longer and deal with a company who is making it more stressful and being extremely unpleasant to deal with. I have sent the company proper documentation. I have done all steps necessary on my end, and instead of compassion and understanding during this errors and mistake on their CLIENTS END they have been difficult to deal with. 
I have also reached out to the management company in regards to the error as well.
Consumer complaint received 2024-01-30
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: CCS Financial Services, Inc. (GA)

XXXX and Credit Collection Services continue to report an alleged debt that I owe without sending me proper documentation to validate this alleged debt. I would like to know how it was validated and with whom did this validation process happen with. 

Furthermore debt collectors are third party debt buyers and I have no obligation to pay and I refuse to pay it! 

XXXX and Credit Collection Services are both required under FCRA to follow reasonable procedures to protect consumers against fraudulent reporting.
Consumer complaint received 2016-03-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I had a mortgage with Nationstar Mortgage and I applied for refinancing. Nationstar 's mortgaging arm is Greenlight loans. I applied on or around XXXX XXXX, 2015 There were a couple of mistakes made by Greenlight while handling the loan like putting the wrong dates on documents and numerous other mistakes which made me pay {$500.00} - {$1000.00} more in interest. I called them and ask to negotiate a refund because it was a conflict of interest when these mistakes they admitted to me cost me each day in interest. I also called and talk to someone about the escrow amounts left from the old loan which was never sent to me or added to the new loan. I was told I would be sent documents I ask for to follow the trail of where the escrow amounts went but that did n't happen. On my first statement after the new loan started I had a escrow balance of {$1000.00} before I made the first payment. On my next statement there was a adjustment - escrow Of - {$1000.00} with no explanation. I called and the person told me the money was left from closing but could not tell me why it was deducted or where it went.
Consumer complaint received 2024-01-30
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Accounts Service Team Inc. (TN)

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Financial Services Accounts Team , Inc attempting to collect a debt in the amount of {$5000.00} on behalf of XXXX XXXX XXXX. The letter stated the company accepts disputes electronically at XXXX and I must reply by XX/XX/XXXX. 

On XX/XX/XXXX I sent a dispute email to XXXX. I disputed the debt and advised the agency I was working with a paralegal with XXXX XXXX XXXX XXXX and he had forwarded my case to an attorney prior to the alleged debt being sent to their office. 

On XX/XX/XXXX I received a notification from the CRA that the Financial Accounts Service Team , Inc. added the debt of {$5000.00} to my credit file. 

On XX/XX/XXXX I sent a letter via email requesting the company remove their negative mark from my credit file and that I am reporting them for violating my rights under the CFPB, FDCPA, and FTC.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

Please provide the debt assignment ledger between your company and the original creditor, complete transcripts of all disputes with orginial creditor, and all accounting documents for the referenced debt account. Please provide when all disclosures were sent according to the FDCPA. For complete transparency proof of ownership is required to collect any debt.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (OH)

Chime reversed a provisional credit twice. I've called and spoke to multiple agents since XX/XX/XXXX. On XX/XX/XXXX, I was given provisional credit from a dispute. That's part XXXX of this. Then, only XX/XX/XXXX it was denied so my provisional credit was reversed. Fair enough. But THEN on XX/XX/XXXX they took that same amount out from the provisional credit again. When I called, they apologized for their error, and each time say they'll send it to a resolutions team ( who resolves literally nothing ). I was told, each time, I'd receive an email from thay team within XXXX hours and the error would he fixed. it has yet to happen... I'm tired of calling them because they constantly disconnect when transferring and repeat robotic nothings. 

Part XXXX, the dispute in reference was handled like absolute XXXX. I had to call and get my provisional credit on XXXX  day XXXX, when it's due on business day XXXX, not XXXX ... and the credit wasn't even the right amount. 

I'm so stumped at the utter incompetence and lack of checks and balances here. I'm at a loss trying to find help in getting my money back.
Consumer complaint received 2024-01-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with LVNV FUNDING LLC. Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry. I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ). Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies. I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that LVNV FUNDING LLC complies with these obligations to rectify any potential adverse impact on my credit history. In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. Done in good faith. (
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (FL)

I have filed a dispute with all 3 credit bureaus about information being incorrect on my credit report which includes name address collection companies. I also informed them that I received a data breach letter from the XXXX informing me that my information such as my name address and social had been used by an unauthorized party. I have tried for years to dispute incorrect information reporting on my credit report. I was effected by XXXX  and was sick never hospitalized. And was burnt out from so many attempts and at no point up to recently someone finally said file a dispute at the XXXX, I am a XXXX not sure of alot of things. I dint know what to do until now can you please help me
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CT)

DATE : XX/XX/XXXX TOTAL LOSS SETTLEMENT LOAN COMPANY XXXX ALLY AUTO XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX ON XX/XX/XXXX THE REFERENCED VEHICLE FINANCE WITH " ALLY AUTO '' WAS INVOLVED IN AN INCIDENT WHICH RESULTED IN A TOTAL LOSS. THEREFORE, THE VEHICLE 'S INSURANCE COMPANY " XXXX XXXX '' ASSUMED RESPONSIBILITY FOR THE REMAINDER OF THE PAYMENTS/BALANCE ON THE ALLY AUTO ACCOUNT - AS I HELD FULL COVERAGE INSURANCE WITH XXXX ON XXXX VEHICLE. 
AS A RESULT, I AM NOT RESPONSIBLE FOR ANY FURTHER PAYMENT TO ALLY AUTO AS OF XX/XX/XXXX. AS OF XX/XX/XXXX, I OWED {$0.00} TO ALLY AUTO. 

I HAVE A COPY OF MY PAYMENT MADE TO ALLY AUTO FOR THE XX/XX/XXXX PAYMENT AS WELL HAS LEGAL DOCUMENTATION FROM XXXX WHERE IN WHICH XXXX ACKNOWLEDGES THE TOTAL LOSS SETTLEMENT AND THE RELEASE OF PAYMENT FROM XXXX INSURANCE TO ALLY AUTO. ALLY AUTO HAS RECEIVED PAYMENT FROM XXXX FOR THE VEHICLE- I HAVE CONFIRMATION FROM XXXX OF THE PAYMENT RELEASE, NO FURTHER PAYMENTS ARE DUE. 

ALLY AUTO HAS CONTINUED TO REPORT MY ACCOUNT AS OPEN ON MY CREDIT REPORT AND UNLAWFULLY IMPLEMENTED ADDITIONAL FEES TOTALING TO {$1700.00} BETWEEN DATES OF XX/XX/XXXX TO CURRENT XX/XX/XXXX. THIS IS UNLAWFUL AND ILLEGAL. 

I AM REQUESTING LAWFUL JUSTICE, I AM NOT LEGALLY RESPONSIBLE FOR ANY ADDITIONAL PAYMENTS TO ALLY AUTO AS OF XX/XX/XXXX. THE COMPANY NEEDS TO UPDATE MY STATUS TO ALL THE CREDIT BUREAUS AS PAID AND CLOSED AS OF XX/XX/XXXX.
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LD Holdings Group, LLC (AZ)

Creditor Name Account number shown on credit report Phone number Current Balance Comenity/MyPlace XXXX None Provided {$950.00} ( {$260.00} is past due ) XXXX XXXX {$700.00} XXXX XXXX {$500.00} XXXX XXXX None Provided {$0.00} MTHMortgage
Consumer complaint received 2023-11-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (NJ)

HELLO name-XXXX XXXX XXXX 
XXXX XXXX i renew my cd on XX/XX/XXXX with number XXXX online with bank marcus by goldman Goldman Sachs Bank USA XXXX XXXX XXXX XXXX XXXX PA XXXX this cd is keep renewing for more than two years i am loyal costumer for the bank.in XX/XX/XXXX i saw some account name XXXX XXXX XXXX is connected to my cd XXXX and my saving account XXXX and that is not my account and i never requested it. ere XXXXXXXX XXXX th withdrawal from saving XXXXand bank deposited back without informing me so i called bank today XXXXabout this fraud they ask me to to close the saving account so i did .but they didnt close my cd and asking XXXX for closing the cd.as of now XX/XX/XXXX until XXXX still that fake account is connected and showing that money will go to that account ( XXXX XXXX ) which is not mine. 
so i ask bank that i want to withdraw my money from my cd because of this scam but they are asking XXXXXXXX XXXX to do that so please help me to get my money back. 
note- bank withdrawal XXXX and put back is XXXX without my request.so they new something is wrong still not informing me. 
i talked to three different departments of bank but no response please help me to get justice i have all supporting documents and bank calls are all recorded lines of banks thanks
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TN)

These accounts have been on my credit for more than a year and has caused me harm I am requesting {$1000.00} for each month that this account has been listed on my credit and immediately removed from all 3 credit bureaus. These accounts report open and they are not it is a violation of the FCRA and is in violation of XXXX Compliant Reporting standards.

Debt {$990.00} Debt for {$1900.00} Debt for {$460.00} Debt for {$410.00}
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I filed a complaint against a merchant with Citi pursuiant to the card contract XXXX and XXXX policy. Merchant was XXXX XXXX XXXX XXXX, XXXX de XXXX. de XXXX who refused to accept a foreign card in violation of XXXX policy and Local consumer protection law. 

Citi instead of filing a complaint against that merchant, filed XXXX ( XXXX ) DISPUTES against a different merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Citi was contacted XXXX separate times to try to resolve this issue, remove the disputes, and has not done so. 

A complaint has now been filed directly with XXXX, XXXX XXXX XXXX, XXXX, MO XXXX Citi has not done what is required of them per XXXX Rules nor what it is legally required to do under Card Holder Agreements. 

Original letter to Citi attached. ( private info redacted )
Consumer complaint received 2024-04-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services (TX)

EdFinacial Services Account # XXXX ; EdFinacial Services Account # XXXX ; Department of Education Loan Identification # XXXX ; Department of Education Loan Identification # XXXX All Mentioned Debt in the amount of {$2900.00} XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has Been Paid & Discharged Via IRS FORM 1099 Cancellation of Debt on XX/XX/year> I received a IRS 1099 Cancellation of Debt Copy B Form in the Mail ; immediately Update the Accounts Mentioned ; to Paid in Full with a Balance of {$0.00} in accordance that the accounts have been Lawfully Discharged Via 1099 Cancellation of Debt
Consumer complaint received 2023-11-09
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the XXXX 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. 
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 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc. (TX)

Unable to log in to my Innvois credit report they said my phone number is ( XXXX ) XXXX is not good and I had login in before with this phone number before I cant dispute or check my credit report at all. The company is telling me I need to do it in writing but its takes too long to get a response from this company and they will mail me back XXXX every time I open up a dispute I never requested for my phone number to be removed at all and there is error that Innvois needs to fix so I can login and check my credit report
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (FL)

Goldman Sachs Apple Card unlawfully declined me of a deferment Or payment option when I got behind on my payment due to hardships I am currently thirty days past due and I have contacted them several times and they declined to give options. My card is closed and they still wont give an option for hardships.