davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XX/XX/XXXX XXXX XX/XX/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 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 2023-08-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Forster & Garbus LLP (NY)

I was contacted by debt collectors by mail dated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX for debt amount of {$5900.00} from XX/XX/XXXX. I don't know anything about this debt and there is nothing on my credit report related to this debt. 

Forster & Garbus LLP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, N.Y.XXXX Sheriff of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (MD)

Skylighbank one was given to me from my employer to use for my direct XXXX XX/XX/2023 XXXX was taken out my account at a atm 4 hours away XXXX XXXX XXXXXXXX XXXX XXXX  nj from me. I called the company skylightbank and made a complaint and got a police report.the skylight bank said they were going to do an investigation. I never use atms except twice a month. At the same location around the same dates every month.
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

The original loan was with XXXX XXXX XXXX XX/XX/XXXX they transfer the loan to Newrez LLC. I received a past due Tax bill {$6100.00} from XXXX XXXX. I called Newrez and told them I received the tax bill. They asked me fax the bill to them. Then I received the mortgage statement increases {$3700.00}. The regular bill was, {$2600.00}. 
Then I called XXXX XXXX and checked with them about my annual bill only {$4900.00}. The bank did not pay my bill since XX/XX/XXXX. XXXX XXXX add interest {$1200.00}. 
The collect the escrow with mortgage but they didn't pay my tax. 
Now the bank clears my currant tax balances. 
From XX/XX/XXXX I will pay my taxes and insurances. The can collect from me only the loan and interest.
Consumer complaint received 2023-11-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Neon Newco Corporation (TX)

I opened an account with Ace Flare not long ago and became eligible for overdraft privileges. Upon signing up for the overdraft information was sent to me by email, I spoke to a male rep over the phone and it states on my online account that I would be charged {$20.00} fee for transactions OVER {$10.00} that are in the negative. If its not paid back or brought to a positive balance within 24 hours the {$20.00} fee will be applied but if it is brought to a positive balance within that tome frame the {$20.00} fee will be waived. Mind you this overdraft feature they have definitely comes in handy when I need it! Im being charged for every transaction after my account hits a negative {$10.00} afterwards no matter if its {$0.00} a {$20.00} fee will be applied. I recently was told by a rep in their chat on their app that every transaction that is overdraft will be charged a {$20.00} overdraft fee. They give very misleading information. Every rep says something different! Not only that it is very excessive to charge their customers a {$20.00} fee for a transaction that may be less than {$10.00}. I have been charged numerous fees for {$20.00} each for transactions less than {$10.00}. Like I mentioned a male rep I spoke to over the phone said any transaction over {$10.00} would have a {$20.00} overdraft fee applied. The other rep I spoke to on chat a day or so ago is now saying every transaction will be applied a {$20.00} fee another rep says once my account is at negative {$10.00} every transaction after will be charged a {$20.00} fee no matter the amount of the transaction. These people need to get on the same page. This company also need to be reported for the excessive fee amount they charge their customers! That is Rediculous! This company needs to be fined for this! They provide misleading confusing information to their customers!
Consumer complaint received 2023-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: North American Credit Services (FL)

A dispute letter was sent to North American Credit Service Inc in regard to a notice I received calming that I owed a debt. In the letter dated XX/XX/XXXX, I requested the following information : ( 1 ) Validation of debt, original agreement to this debt, detail billing statement, proof that this company has been given authority to collect this debt, and what actions this company takes to protect my personal information in accordance with XXXX. Amount of alleged debt {$1000.00}. As of XX/XX/XXXX NACS has not provided this information which exceeds the 30-day period in accordance with the FDCPA. I have not given said client XXXX XXXX to share any protected personal information with NACS or any other company nor have I received any of the services it claims. I demand that you cease all collections until this information has been provided.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (SC)

I applied for a CitiBank credit card so that I could earn money back and received one with {$3000.00} limit, the end of XXXX. I used it a couple of times and the total was {$97.00}. On XX/XX/XXXX, the card was put on hold. When I called, they stated it was due to my social security number being incorrect and I needed to verify it with a form. I did not understand, so I asked to speak to a supervisor. The supervisor stated that it was a normal procedure to have the social security number verified and that a form would be mailed and once verified, the card would be re-activated. I received the form, filled it out completely, mailed back all pages plus a copy of my social security card. Some weeks later, I received a letter stating that they could not verify the social security number and to please call. I called and they stated that I was missing a page, the second page. I had read the forms in its entirety and knew I had sent the forms back in correctly. With all the frustration, it wasnt worth the card, I stated that I would just like to cancel the card. I was informed that I could not cancel the card without verification of who I was. My question to them is, you wont take the card off hold because you say you cant verify who I am. Im now requesting the card to be canceled, but you cant cancel the card because you cant verify who I am? It does not make sense. They stated that they would re-send the forms and once verified, I could cancel the card. I received the forms, called them to ensure that I completed everything and included all pages as requested. Completed forms, placed ALL pages I received back into an envelope and mailed back off. Then on XX/XX/XXXX, paid off the balance of {$97.00}. On XX/XX/XXXX, I received an alert from XXXX XXXX. The credit card from CitiBank was now showing on my credit report and Transunion showed that I had a {$0.00} balance. Today, XX/XX/XXXX, I called back to Citibank to verify they received the information requested. They informed me that they did, that they received it on XX/XX/XXXX, but that it was missing the second page. Now, I dont know who is eating the second page, but this is the SECOND TIME I have mailed in the information, even contacted them the second time to ensure that ALL information and pages was included and still Im getting that they did not receive all paperwork. This is ridiculous. I cant have a card activated because they say I cant prove who I am, yet I cant cancel the same card that is ON MY CREDIT REPORT, because they cant prove who I am.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (PA)

In late XX/XX/2023 I set up a transfer from my American Express XXXX account to my XXXX XXXX account using the XXXX phone app. On XX/XX/XXXX, XXXX deposits were made into my XXXX XXXX account, XXXX for XXXX cents and XXXX for XXXX cents. That shows that American Express did in fact have the correct XXXX XXXX account. I then went back into the XXXX XXXX and verified those amounts and then transfered {$810.00} from the American Express XXXX account to my XXXX XXXX account. The money was taken from the American Express account immediately. XXXX days later American Express says that the transfer occured ( XX/XX/XXXX ) and that it would take XXXX business days for the money to show up in my XXXX XXXX account XXXX As of today it has been nearly XXXX weeks and the money has not been deposited into my bank account. 

I have repeatedly called the American Express XXXX number and have talked to several people there. I have been repeatedly told by them that the transaction is complete, the money is no longer in my account and to call XXXX XXXX. 

I have spoken with XXXX XXXX several times as well. They continually tell me that because they can't see anything comming through the XXXX system that they can't do anything and to call American Express XXXX I was able to get XXXX XXXX to open an inquiry into this but I just got a letter from them ( XX/XX/XXXX ) saying that they can't do anything and to call American Express. 

You can see that I have become extremly frustrated with each side saying to contact the other. 

I have copies of the letters from XXXX XXXX, a copy of the XX/XX/2023 American Express XXXX statement showing the withdrawl of {$810.00} and a copy of my XX/XX/2023 statement showing the XXXX test deposits of XXXX and XXXX cents. I won't attach these due to them having personal information on them but if you do require them please ask.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been disputing a bankruptcy on my credit report for a about 18 months now. I've contacted the courts and other third party public records company like XXXX XXXX and had this issue resolved. I've contacted Transunion on several occasion about this matter to no avail. Their actions are very harmful to me as a consumer and break several federal laws. As you will see from the documents I provided this item could not be verified as accurate from the furnisher as stated by Transunion 's response letter. No investigation was conducted is this matter my Transunion.
Consumer complaint received 2023-11-22
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: JPMORGAN CHASE & CO. (MI)

I've had XXXX hard inquiries that were not authorized by me on my XXXX XXXX credit score from JPMCB ( Chase Bank ) on the following dates : XX/XX/2023, XX/XX/2023, XX/XX/2023. 

I have never had any type of credit card or account through Chase Bank, nor have I applied for any new credit cards through Chase. These inquiries were never authorized by me.
Consumer complaint received 2023-11-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCF Intermediate Holdings LLC (KY)

On XXXX I was contacted at XXXX XXXX from a number which I did not recognize ( XXXX ) When I answered this call I was told is was XXXX XXXX and that this was an attempt to collect a debt. Per this conversation I was threatened that if I did not comply and pay then my wages would be garnished. This account was from a payday loan dating back in 2016. I had no recollection of this debt however I have worked extremely hard on my credit and keeping it in good standing. I explained that I've checked my report frequently within the last 2 years since I've been working on purchasing a home and I've never had an account go to collections so I wasn't sure where they were receiving their information. I paid them {$890.00} and soon after I got off the phone and did some research I felt that maybe I was scammed because I didn't receive any information in regards to this matter ( act number, date etc ) I know my rights as a consumer and felt they were violated to the worse degree, however I fell for the scare tactics and paid whatever they were asking for to avoid my credit taking a hit. As a consumer I have the right to privacy never have I disclosed my phone number with a third party collection company and I have never given them the right to contact me. It is also a violation to threaten a consumer with obscure language in which a threat to garnish me wold be just that. These rights are supplied by FCRA and are meant to protect consumers such as myself.
Consumer complaint received 2024-07-29
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. (FL)

As a victim of debt bondage, a severe form of XXXX XXXX. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of XXXX XXXX. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted. 

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 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-11-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (AK)

XXXX XXXX XXXX XXXX, after I thought I had changed my auto pay accounts, I was charged a late fee, I paid it. I would get emails saying my payments were received when in fact they were only being processed, has caused me confusion on if the payment has actually been applied to the loan. 

I attempted to get it figured out, the online platform is confusing, again in XXXX I am having issues. I requested to only get physical paper communications or communications from a human being not misleading auto generated emails. 

After saying " We appreciate your patience while awaiting our response. Our management has reviewed your request. As you requested, your account has been updated to reflect your opt out preferences. Thank you, XXXX. '' I continue to get confusing/misleading auto generated emails.
Consumer complaint received 2023-11-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (SC)

My original dispute started with I.C. Systems on XXXX. The above company ( I.C. Systems ) is currently violating both 15 U.S.C. 1681s-2 and Regulation F, for not properly validating this debt as previously requested and received in writing from me on both dates XX/XX/2023 and on XX/XX/2023 per my attached USPS proof of delivery. When validating the amount owed, they never sent proof of the following : 1. The date on which this became a debt up to our current date 2. The amount I was charged in interest that makes up this debt 3. The amount I was charged in fees 4. The amount I have paid in total on the debt 5. The accurate amount due ( From the above # s 1-4 ) as of today Also, this company is currently in violation because they knowingly violated 15 U.S.C. 1681s-2 of the FCRA, which expired on XX/XX/2023, by not removing the tradeline as requested with incorrect information on my consumer report.
Consumer complaint received 2023-07-17
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. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-11-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

I am extremely upset and angry regarding the outrageous behavior I encountered during a recent call with representatives of IQ Data on XX/XX/XXXX and XXXX, XX/XX/2023 

The representative continually threatened to ruin my credit score and insinuated that he would send the recorded call to law enforcement. I did not threaten the representative or raise my voice during any of these interactions. These tactics are illegal and highly upsetting. 

I'm currently in a legal process to resolve this debt with my landlord, who never should have transferred it to collections to start with. I explained the lapse of communication with the management and offered to provide additional documentation and details during the call with IQ, only to have your rep immediately dismiss my dispute like it was pointless. This is absolutely unacceptable, especially when someone informs you that they have already initiated a legal dispute, why would you continue to try to collect the funds? On XX/XX/XXXX, I spoke with agent XXXX XXXX and on XX/XX/XXXX a representative named XXXX who wouldn't provide his last name. 

I believe IQ Data 's actions violate the Fair Debt Collection Practices Act ( FDCPA ). No false statements, no unfair practices, and definitely no harassment. Yet, the representative blatantly violated these rules.
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (TX)

See Attached : XXXX Submitted Identity theft Packet, with Request for info to be blocked with the mandatory 4-Day period. Adding the Identity identification attached as well with specific details listed accordingly. Each Company declined my request to delete and or block, update and or correct the information accordingly. Denied Ball all 3 agencies for Insufficient Identity information, unable to identify my account, unable to locate my account with information on notice, invalid identity theft report, asked for copies of my social security card etc. All though request was infact denied by all 3, All three have managed to locate my account/report and make small changes which were requested on my notice initially, just not the blocking of invalid accounts information I requested. I Authenticated enough to change my address, phone number, email, place fraus identity theft alert on my report info but not to complete the information requested to be blocked. I sent enough information to verify who I am and stating the information should be corrected accordingly. Has the information they allow to remain seen & costing me the ability to gain credit I may need or job etc. That's incorrect on my field posted without even being whole and fully identified to have been actually my true information at all. How is this right or fair? Who's information are sharing. If you're publishing lies and false information because you fail to verify authentic proof of information submitted and shared by each agency is neglectful and abusive.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (GA)

Credence resource manage keep calling me from multiple numbers about a debt that I see on my credit report from XXXX XXXX in the amount of {$130.00}. I have no knowledge of this collection and would like for them to prove a contract with me if not I would like for this debt to be removed and for them to stop calling me immediately.