davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation (CA)

I was sent an EMAIL From XXXX XXXX XXXX on Tuesday XX/XX/2018 that stated the Forclosure on My Home Is On Hold, then Why am I Receiving Notices Of A Set Sale Date Of XX/XX/2018! QUALITY LOAN SERVICES IS ATTEMPTING TO DECIEVE THE CFPB AGENCY AND ME! THIS IS AN OUTRAGE UNDER THESE CIRCUMSTANCES WHILE XXXX XXXX  SENT ME A LETTER ON XX/XX/2018 CLAIMING THEY WILL HAVE AN UPDATE ON XX/XX/2018? AND I ALSO NOTED XXXX XXXX SAID ITS MY ACCOUNT! THIS IS NOT MY ACCOUNT, I HAVE NO ACCOUNT WITH XXXX XXXX NOW OR EVER, THIS IS AN ILLEGAL PHANTOM DEBT, PERIOD! QUALITY LOAN SERVICES IS ATTEMPTING TO ILLEGALLY SELL MY HOME, WHILE XXXX XXXX CLAIMS TO BE INVESTIGATING THE IDENTITY THEFT, EQUITY THEFT AND TRUST DEED FRAUD, AS IT HAS BEEN DOCUMENTED AND ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION OF THE XXXX. UNDER CALIFORNIA PENAL CODE 115 PC THE FILING OF FALSE OR FRAUDULENT DOCUMENTS ARE A FELONY, YET QUALITY LOAN SERVICES CORP DID JUST THAT, FILED FRAUDULENT DOCUMENTS WITH A PUBLIC OFFICE, THIS IS INEXCUSIBLE AND CRIMINAL. THEY ARE IN NONCOMPLIANCE WITH FDCPA 15 1692 HARRASSMENT AND ABUSE, THE USE OR THREAT OF USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON,  REPUTATION OR PROPERTY, AND THE ADVERTISEMENT FOR SALE OF ANY DEBT TO COERCE PAYMENT OF THE DEBT.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX would like to clarify that he does not contest the validity of the accounts under discussion. However, we do question their current status due to the unfortunate circumstances stemming from identity theft that XXXX XXXX has experienced. We request the removal of the accounts in question and either their closure or settlement, as these accounts have been subject to numerous unauthorized charges and transactions. Thank you for your attention to this matter. 
XXXXXXXX XXXX
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

XXXX bank was sold to Citizens bank and they never sent me a debit card that I could use, nor a checkbook and they disabled my online access. there is no brand within XXXX XXXX XXXX of me and every time I call they tell me they can't access me account online and that I have to go into a branch. this is not fair, they are charging me an account fee every month. I started with over XXXX dollars and not they have Brough the balance down to almost XXXX. they are stealing me money nd not giving me any option to close my account or move my money
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION (DC)

On XX/XX/year> I was notified by a potential Mortgager that my name address, city and state were not on my baking statements and they could not accept them because of this reason. 

I notified Pentagon Federal Credit Union regarding this issue and they stated they were having technical issues and were attempting to fix them, they promised that they would write me a letter to the effect and provide transaction histories. 

I checked my email and there is nothing in my email from them for the above stated issue. 
I contacted Penfed on XX/XX/year> and was told that the request information is not in the system that someone would call me back in two hours.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

I received notification from XXXX XXXX that my Care Credit account has been closed on XX/XX/XXXX. I paid off my account in full on XX/XX/XXXX. So I had {$0.00} balance. I am actually not sure when they closed my account as I have not received any notice from Care Credit. I did not receive notification that they closed my account nor did they provide a specific reason other than responding with a general we have process that we follow answer. Three months later they closed my account with no warning.
Consumer complaint received 2024-02-25
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: Thaxton Investment Corporation (TX)

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX  to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all XXXX credit agencies. I should not have XXXX accounts showing from this company. I will be getting a audit down on my loan. I also want to opt out from my information being reported under law that request need to be performed within 72 hours. 

Acct # XXXX Acct # XXXX
Consumer complaint received 2018-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NJ)

I just got a XXXX MasterCard with a {$500.00} credit line and they took around {$120.00} immediately so your available line is {$370.00}. That is terrible but not even the worst of there service policies. XX/XX/2018 I made a payment of {$35.00} using their website and set it up has a checking ACH. My balance owed before this transaction was {$510.00} overdrawn due to their fees they took from my account. The {$35.00} payment did not even post to the card until XX/XX/2018 and it only reflexted in my owed balance but still not available. My balance on their screen was {$440.00} but my available balance was still in the negative. I asked for a direct debit from my checking and it takes 7 to 10 days to become available? You have to call and pay a fee of {$10.00} to get your funds sooner than 7_10 day 's. You can not even set up a reoccurring monthly debit using your debit card and I mentioned any payment using a checking by any way takes 7-10 days to become available. The only way to get your funds available is to call and pay a {$10.00} Fee!!! This I believe is a violation of the funds availability act and other acts as well as being one point from a scam. This company should be audited by the correct authorities to see how they are violating certain acts. I want my balance to be XXXX and wiped out by them. No reflection on my credit and close the card as per my request and have no negative reflection on any of my credit reports or I will go public or escalate this to a higher authority. All I said is true so there is no chance I am commiting a defamation or Libel offense against them
Consumer complaint received 2024-02-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

Upon review of my credit report, I noticed a collection from the XXXX  at XXXX XXXX handled by National Credit Systems and Ive never lived at this apartment complex. I asked for validation information via phone on XX/XX/2024 and the company would not give it, they simply said they have other information that could be used to validate the date even though my drivers license has only ever had the one address Ive live at prior to my current one. I explained to them that around that time period my wallet was stolen and it is possible that my identity was stolen but I never lived in this apartment complex
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Equifax has been reporting inaccurate items on my credit report related to account items listed here : XXXX/XXXX ACCOUNT NUMBER XXXX XXXX  XXXX XXXX  XXXX I have requested on numerous occasions to remove this item and to provide the original documentation as to how they have verified this item and they have failed to do so. I also included an identity theft report related to this item and they are willfully in-compliant. 

Please have this items removed immediately
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (CA)

I had personally contacted the property managment and gauntors who is the ones keeping on my credit report back in 2022 when the person who is the joint person XXXX XXXX had assaulted me badly trying to kill me and i filed a police report and he wouldnt vacate the unit so for my safety i had to vacate and relocate for my safety and when i spoke to the property managment and the gauntors company i sent them the police reports and restraining order and was told that i would not be liable for anything anymore and he will be 100 % fully responsible for all the charges and fees that come. So i am not responsible for {$2300.00} balance that is in question.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (HI)

Back in the beginning of XXXX I reported my card stolen because of a transaction I didn't recognize. I dropped the case days later thinking it might speed up the process of getting a new card. It didn't. I was told I have to wait till after the XXXX of XXXX to get a new one. It's the XXXX, I tried this morning, and it's still not working. Can someone please help me?
Consumer complaint received 2023-03-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc. (AL)

XXXX XXXX  charged off this account in 2021. They have now illegally reopened the account with current dates which falsely manipulates the statute of limitations. Charge offs are not allowed to have active payment history and can not be opened and closed at the creditors decision. I have also requested verification of debt over 90 days ago to verify orginial signatures and they refuse to process the request. This is illegal and the creditor has no choice but to provide validation of this debt and remove past history as this is a CHARGE off and you can not manipulate the dates.
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (IA)

Be advise that I am fully aware of my rights since I studied US laws lately, I know that I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy & medical records from 3rd parties. Let me tell you, I am not allowing any 3rd party collection agency to get my personal financial info. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization
Consumer complaint received 2024-02-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENOVA INTERNATIONAL, INC. (IN)

Netcredit Loan now held by XXXX XXXX XXXX. Opened XXXX. 

Ive easily paid 2x the amount borrowed, and they still want more, even in XXXX. 

The debt has been passed around from one entity to another ( all owned by the same group ). 

The CFPB alleges that XXXX, XXXX, and XXXX violated the Consumer Financial Protection Act ( CFPA ) and the Fair Debt Collection Practices Act ( FDCPA ) by purchasing defaulted consumer debt and then placing that debt with, or selling that debt to, debt collection companies that used threats and misrepresentations to coerce payments from consumers Consumer Fin. Prot. Bureau v. XXXX, No. 22-CV-29-LJV ( XX/XX/XXXX. XX/XX/XXXX. 

I have been called by agents representing this company demanding money or face an arrest ( claiming they would send the sheriff to get me ). 

Family and extended family have been called and have been given case numbers and deadlines in which I would need to respond.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-04-12
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. (CA)

I am bewildered by the sluggish pace of your investigation, particularly when other credit bureaus have promptly resolved similar disputes. As a victim of inaccurate reporting, I have diligently followed the appropriate channels to rectify the situation. However, despite my persistent efforts, the inaccurate information persists on my credit report. I am entitled to have accurate and current information on my credit report. The delays in the investigation process are exacerbating the harm to my financial well-being and mental health. 

Regarding the accounts with identifiers are the following : XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2024-01-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (AZ)

A check for {$13000.00} was deposited into my business account on XX/XX/XXXX at XXXX. The check was issued by one of my galleries, a long standing account of mine who through the years has written checks of like amounts, providing solid payment history. 

Today is XX/XX/XXXX and as of XXXX the funds are still not available. I believe Chase Bank has exceeded the hold time allowed by federal law. Furthermore, the customary partial release of funds did not take place. No funds whatsoever have been released, causing financial hardship. Not having funds for year end expense write-offs has caused further issues.
Consumer complaint received 2024-01-01
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: CREDIT ACCEPTANCE CORPORATION (CA)

My name is my domain this account with credit acceptance corporation should get updated to positive for defamation of character and slandering my when you go to a dealership you can not leave of the car lot with the name that's on the fake contract you sent me is different than the name on the insurance that would make the evidence I provide from these pictures valid and is indeed deflation of character
Consumer complaint received 2024-01-31
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. (GA)

This complaint to TRANSUNION for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-01-12
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY (CT)

I was sent a Target RedCard on XX/XX/24, I opened the letter that had the credit card and information about the card on XX/XX/24. I called Target at XXXX, they let me know that I had a balance of {$460.00} with a credit limit of {$500.00}. I was connected to the fraud department and they let me know that the application for this card was filed on XX/XX/24. They also provided me the email address that was used for the application.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX, I had submitted a complaint to CFPB regarding Citibank 's failure to provide to me {$100.00} XXXX XXXX flight certificates for several years. I have received a response to case # XXXX from Ms. XXXX XXXX yesterday, and am not satisfied with Citi 's investigation into the matter. 

Citi 's response claims that the {$30000.00} spend requirement was not met for those account years. I tried to verify this data by exporting my transactions from the Citi website, which only allowed me to do so from XXXX forward. I exported all my transactions for the time period of XX/XX/XXXX to XX/XX/XXXX, and noticed the comma-separated value spreadsheet excluded all transactions preceding XX/XX/XXXX XXXX see attachment ). The exclusion of those transactions would cause my annual spending to not meet the {$30000.00} threshold for the award. 

Fortunately, by using the services of an account aggregator, I was able export all of my transactions using that card as far back as XXXX. Using the definition of an account year as XXXX XXXX XXXX, I summed all the debits for each account year since XX/XX/XXXX and discounted all the credits ( except for statement payments ) and for each one of them the {$30000.00} spending threshold for the award was met, which would have entitled me to the {$100.00} flight certificates ( see attachment ).

In an apparent effort to cover their bases, Citi stated in their response that " if the spend requirement would have been met, you would have needed to contact us within one year to request a replacement certificate. '' They did so without citing any rules. In the past, this benefit was automatically mailed to me. There was never a need to request a flight voucher and I believe this is a material change in the benefit that was not communicated to customers. 

The latter than states that " effective XX/XX/XXXX, the {$100.00} flight discount for {$20000.00} spent in the cardmembership year was added to existing accounts. This applied to any charges starting on XX/XX/XXXX, through your XX/XX/XXXX statement. The spend requirement was met during this time frame. '' Yet, I have not received any {$100.00} credit toward travel on XXXX XXXX, despite having spent over {$100.00} on airline tickets in the past year. They then cite my conversion of the card on XX/XX/XXXX XXXX XXXX full year after the XX/XX/XXXX deadline cited above ) as a reason to deny the benefit. It should come as no surprise to Citi that I would convert the card to one without an annual fee when the promised benefits are not being delivered. 

I am extremely concerned by Citi 's inability to correctly calculate my spending and unwillingness to rectify this situation.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately ( Transunion and XXXX ). XXXX has already deleted these items. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me to delete these illegal accounts from my credit reports ( Transunion and XXXX ).
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

I received my XXXX statement and paid it in full. When XXXX statement arrived it indicated that I owed {$2.00} in " fees '' This account has never been late. Bloomingdales states that this an interest charge. On the bill it's listed as a XXXX.