davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

On XX/XX/XXXX I submitted a dispute to Experian for XXXX & XXXX account number XXXX thats reporting on my credit report. The account came back as verified. On XX/XX/XXXX I submitted a method of verification letter to Experian. I never received a response from them. I contacted Experian on XX/XX/XXXX and spoke to a representative by the name of XXXX. I communicated to him that I submitted a letter requesting validation/verification of the above account on XX/XX/XXXX and I had not received any response. He acknowledged that he received it. I asked him to delete the account since they failed to verify it. He specifically said the account was verified but they dont have to tell me how they verified it or what information was used to verify it. XXXX also stated they dont keep information in consumer files about the debt. I know this is against the FCRA because all accounts must be 100 % accurate, 100 % verifiable and 100 % timely. Other violations on this account includes inaccurate reporting. Experian is reporting a closed account status with a balance of {$520.00} and an open date of XX/XX/XXXX while XXXX is reporting an open account status with a balance of {$520.00} and an open date of XX/XX/XXXX. Also, Experian is reporting payment history on a closed account and the debt has increased several times. XXXX  is reporting ND for the payment history and the balance has also increased several times. To my knowledge, all are against the law. Im requesting for this inaccurate and unverifiable account to be deleted immediately from each of my credit reports. This account has caused my credit scores to sink and Im being denied credit because of it. Thank you for your assistance in this matter.
Consumer complaint received 2023-06-02
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HOME BANCSHARES, INC. (FL)

On XX/XX/year> and XX/XX/year>, I turned in complaints on the XXXX, Florida branch of Centenial bank for excessive overdraftfees, for not using the same good business practices with placing business accounts into overdraft protection without account holders knowledge or permission, such as they have to do with personal accounts. The company admitted that they overdrafted my two 501 ( c ) 3 accounts for over {$5000.00} dollars in fees. I was supposed to be removed from the overdraft protection after requesting to be opted out, being told by teller supervisor that I was not in the overdraft protection program though I had been and was still recieving overdraft protection fees. After signing paperwork, reporting the company, complaining to the branch manager and district manager, I was finally out of the overdraft protection program, but against good business practices, I have been placed back in the overdraft protection program without my permission and again charged a {$35.00} overdraft fee on an {$8.00} purchase. Against honesty and transparancy standards, nowhere in the Overdraft Privilege Account Disclosure, does it state that the overdraft protection program is mandatory or automatic. It is discribed as a " OPTION '', which is defined as anything other than mandatory.
Consumer complaint received 2023-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (UT)

I want to clarify that I canceled my membership with XXXX XXXX on XX/XX/2023, both at the front desk and through email correspondence with the XXXX support team at XXXX, following the instructions provided by the XXXX staff. Enclosed with this letter, you will find copies of the relevant email communication that validates my cancellation. The email clearly shows that I followed the appropriate procedures to cancel my membership. 

Furthermore, I continued to be charged despite the cancellation of my XXXX XXXX membership, as outlined in the attached documents. These unauthorized charges are not in accordance with the terms of the contract and further substantiate the invalidity of the alleged debt. 

As such, this alleged debt is invalid, and I demand that you cease all attempts to include it on my credit report. Pursuing the reporting of a debt without proper validation and evidence of its legitimacy is a violation of the FDCPA, specifically, sections 807 ( 8 ) and 809 ( b ), which state that a credit reporting agency must ensure the accuracy of the information it reports. 

Moreover, I believe this debt collection attempt is a clear act of retaliation for a negative review I left on XXXX for XXXX XXXX. I want to remind you that retaliating against a consumer for exercising their right to leave a review is not only unethical but also illegal under the FDCPA, section 806, and potentially violates state laws as well. 

I kindly request that you conduct a thorough investigation into this matter and, upon verification of the inaccuracies, promptly update my credit report. As per the Fair Credit Reporting Act ( FCRA ), I expect this investigation to be completed within 30 days. 

Enclosed, please find copies of the following documents for your review : Original Contract Email Sent for Membership Cancellation ( XX/XX/2023 ) Unauthorized Charges Documentation I appreciate your prompt attention to this matter. If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. Thank you for your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-17
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. (IA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX didn't correct wrong information concerning an Auto Loan with XXXX XXXX XXXX XXXX. The loan was NOT part of the bankruptcy, document provided. XXXX XXXX XXXX XXXX will not correct the error. I have sent documents to XXXX ( bankruptcy record and open XXXX loan account ) loan is open and is being paid consistently on time with no delinquent or late payments. I have been denied housing because of bad credit including the incorrect item.
Consumer complaint received 2020-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (SC)

The collections account stated XX/XX/2019 XX/XX/2019 XX/XX/2019 my birthdate and social security number to open a fradulent medical account with medical health accounts. 

{$770.00} {$980.00} {$160.00}
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (MN)

On XXXX XXXX XXXX I received a letter from Truist stating they didn't receive my payment for my credit card ending in XXXX by the due date. I did not previously receive a letter or communications from that that I had a balance due and did not check as this account was no longer active ( last transaction was from XXXX of XXXX ). I contacted them on or around XX/XX/XXXX, and notified them that the four XXXX charges ( on XX/XX/XXXX ) on my account were fraudulent and wanted them removed, and that I needed a new card number. 

They stated that the they noticed fraud on my account at the time ( XX/XX/XXXX ) of the transactions and stopped the transactions after the four that occurred to the XXXX store. They stated they sent me a letter about this possible fraud but I never received it. They let these transactions sit on my account and eventual cause a late fee and interest and a report to the credit reporting agency that I was 30 days past due. 
They assigned a case number of XXXX for my dispute and said they would resolve it in 90 days. 

I just checked my account and they are continuing to charge interest and late fees and have given me no additional info resolving and will not remove the late charges/interest from my account. 

My concern is they will continue to report ( on charges/fees in dispute ) on this to credit reporting agencies causing harm to my credit score and not remove the charges as appropriate. I called today XX/XX/XXXX to request these charges be removed in a more expedient manner and they hung up the phone on me. This is the equivalent of about {$40.00} in fraud charges that takes them months to resolve all the while as they tack on fees and charges that now total {$100.00} ( of debits and fees and that are not mine ) as of XX/XX/XXXX, and report falsely to reporting credit bureaus.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXXXXXX XXXX XXXX Amsher Collections Service
Consumer complaint received 2024-03-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PLANET HOME LENDING, LLC (CA)

There XXXX loan XXXX XXXX with XXXX XXXX Loan XXXX yrs later the market crash I was told they wrote the loan off in XXXX from planet lending that if I dont pay full amount and past late fees they will foreclose on my house. I never received any notice that this loan was open since XXXX XXXX letter
Consumer complaint received 2017-04-03
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/2017, I sent a dispute for investigations to the credit bureaus regarding an alleged debt that was mysteriously added on my credit reports without ever receiving a dunning letter. I then received a response from the credit reporting agencies the debt is accurate and if I had additional questins/concerns to contact Fair Collections & Outsourcings at their address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

On XX/XX/2017, I proceed to send Fair Collections & Outsourcings a letter requesting validation of the alleged debt they are reporting on my credit reports. On XX/XX/2017, I received a " settlement '' letter and a generic lease from them, both dated XX/XX/2017. 

On XX/XX/2017, I filed a complaint with CFPB, and received a response from Fair Collections & Outsourcings on XX/XX/2017 stating that they do not own the debt and that the original creditor does. 

On XX/XX/2017 at XXXX, I contacted the alleged original creditor that they are reporting as XXXX at XXXX, I googled the company. I spoke to XXXX who stated that she did not have an employee number. XXXX stated that she did not have any information with my name and last XXXX of my social which I provided to her. She then provided me with the number XXXX stating to contact the number which is for " former resident of XXXX ''. 

On XX/XX/2017 at XXXX, I called the number XXXX, a recording came on stated that : " due to high call volumes, they recommend to email them or leave a message ''. I then proceeded to leave a message saying that the message is for XXXX and to contact me. 

On XX/XX/2017 at XXXX, I received a call from XXXX and the representative stated that her name is XXXX XXXX from Fair Collections & Outsourcings and it is an attempted to collect a debt and returning my call, and continued to ask how would i like to make a payment? I informed her that I did not request for them to call me so I am unaware on where she would get the idea to contact me when I specifically sent a certified letter to them on XX/XX/2017 stating to not contact me via telephone and to mail me out the validation of this alleged debt. I also requested that she send me legal documents showing that she and her company are indeed authorized to collect on this alleged debt that they have not been able to validate and stated that they do not own. She got agitated and raised her voice stating that she does not have to provide me with any documents that shows that she is authorized to collect on this uncollectable debt. 

In their response letter to my previous complaint, they stated that they did not respond to my validation letter because the account was " verified '' and I am in the mistaken belief that they own the debt. Their exact wording was : " As the account had been previously been verified and the consumer requested no further contact, a response was not made to the XX/XX/2017 letter. ''
Consumer complaint received 2023-12-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (NY)

XXXX XXXX XXXX  was my old cellphone provider, paid the installments and the cellphone bill in full before switching over to XXXX. I have a pending charge for a bill I never continued, the customer service was very poor I didnt have a chance to explain my situation and was told it would be put down as a dispute without ever having a word in.
Consumer complaint received 2017-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (KS)

The short story is that my interest remains capitalized on my FedLoan Servicing account, despite that it was a mistake from FedLoan Servicing. 

Background : On XX/XX/XXXX, I received notice from FedLoan Servicing that my annual Income Driven Repayment ( IDR ) paperwork was due, as it had an expiration of XX/XX/XXXX. On XX/XX/XXXX, I submitted my paperwork via an upload on FedLoan Servicing website. On XX/XX/XXXX, I called regarding a separate topic ( PSLF ) and I confirmed my IDR paperwork was received. On XX/XX/XXXX, I received written notice that my Income-Driven Repayment Plan paperwork was not submitted, and therefore my interest was capitalized and a standard repayment beginning date of XX/XX/XXXX. I called numerous times between XX/XX/XXXX and XX/XX/XXXX regarding the issue that my paperwork was submitted for the annual review and therefore the interest capitalization should be recalculated. I authorized an administrative forbearance in XX/XX/XXXX and then rescinded ( forbearance matter was resolved ). I was informed during the phone called on XX/XX/XXXX, that the interest capitalization was reversed in XX/XX/XXXX, but due to an administrative forbearance, the interest was capitalized again. FedLoan Servicing representative reported he will submit a review and this will take 7-10 business days. The 7-10 business days had passed and this matter remains unresolved. 

I am requesting FedLoan Servicing correct the interest capitalization with the last correct date of XX/XX/XXXX, due to no fault of my own. I am willing to submit documentation to assist in this matter.
Consumer complaint received 2023-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (VA)

Credit Collection Service has violated my right to privacy, FDCPA, FCRA. 
They have no permission or authority to access my credit information nor were they given written permission by me to furnish any information to my report on anything that allegedly pertains to me. Furthermore no jurisdiction exists for them to even collect on an alleged third party debt.
Consumer complaint received 2023-12-17
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: CITIZENS FINANCIAL GROUP, INC. (IL)

My Complaint involves Citizen 's Bank and XXXX XXXX. Citizen 's Bank reported a false account on my credit report, a revolving account for {$88.00} a month which I never agreed to. I immediately called the company on numerous occasions advising that I never agreed to this, I asked for a copy of any contract that they have to see if there are fake signatures or find out why they think I have obligated myself to pay this and they said they do not have one, and advised me to contact XXXX. I contacted XXXX to complain and ask for any contract or proof and they too said they do not have this information, to contact Citizen 's Bank. I then demanded that any accounts I tried to have with XXXX be canceled because I never agreed to this and to remove from my credit report. Instead they continued to report to the credit bureaus, reporting late payments that I never agreed to, thus lowering my score. I have disputed with the bureaus with results that it was " Verified. '' How can this be verified with no proof, no contract. I do now owe this debt, I do not know the terms of this debt, no APR, nothing other than the fact that they want me to pay {$88.00} per month for a XXXX vacation package that I tried to sign up for, which based on what was represented to me by XXXX would have cost me {$17.00} per month. I have no idea where this {$88.00} per month materialized from. I NEVER AGREED TO PAY THAT TO CITIZENS BANK OR XXXX. I sent both companies cease and desists letters.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TN)

I am writing to file a formal complaint against Chase Card Services for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around XXXX XXXX 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In addition to the FCRA violations, Chase has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Chase Card Services with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers.

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Chase Card Services practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct.

Chase Card Services must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes. 

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

My wife is deceased on XX/XX/23. I went to Chase Bank to close her accounts. I am her husband. The bank manager told me that someone had already closed her accounts. This happened without my permission. The bank won't tell me who closed the accounts. There is no designated beneficiary.
Consumer complaint received 2023-12-17
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (SD)

I received this email : Dear XXXX, We've noticed that you haven't used your Netspend All-Access Account account ending in XXXX, in quite some time. To avoid losing access to your account, please log in online to view all of the features that you have available or to order a new card if needed. 

Sincerely, Netspend All-Access XXXX The Netspend All-Access Account is a deposit account established by XXXX, XXXX XXXX XXXX Member FDIC XXXX Netspend is a service provider to XXXX, XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. 
Netspend Corporation XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Netspend Corporation XXXX All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.
Consumer complaint received 2023-12-17
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: Experian Information Solutions Inc. (PA)

My identity was compromised and someone used my social to apply for several credit cards under my name where I never applied for new credit cards or lines of credit. I called and spoke with all 3 credit bureau agencies and the creditors to resolve this matter and was unsuccessful in getting them to remove it. I explained to the credit report agent my identity was stolen and I was never authorized for store credit or credit card application. I was not the person applying for credit when I asked the credit card agent at the fraud department to tell me what address they had on these applications they told me that they didn't have that information to give me. According to the FCRA, my credit report must be accurate and I didn't apply, authorize, or consent to run any inquiry on XX/XX/XXXX, XXXX, of XXXX for credit. All of these inquiries from XXXX XXXX, Experian, and XXXX Must Be removed and deleted immediately as follows : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be deleted for all inquiries submitted by the hackers.