davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

At the time of my original complaint to the creditor, XX/XX/2019, I had been contacted nearly ten times since XX/XX/2019, a span of a little over a week. They have since contacted me several more times. I never answer these calls as my phone carrier has flagged them as spam. Each time they call, sometimes multiple times a day, they leave voicemails that are over ten minutes long. This practice is not only annoying, but illegal as per the Fair Debt Collection Practices Act ( FDCPA ) 1692-1692p.806.5, which defines harassment as " causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. '' At this time, I am disputing the debt collection practices this company employs as it is harassment, requesting debt validated, and taking the matter up with original creditor, should I be provided with their information in a timely manner. I will take legal action if need be. 

Since my original complaint, this creditor has illegally reported this debt on my credit report. They have never provided a written notice of the debt, which is illegal under FDCPA, and failed to respond to my initial complaint within thirty days, which is also a violation of the FDCPA.
Consumer complaint received 2020-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

XX/XX/XXXX received email from paypal saying account was closed as to date and my funds in paypal remain on hold for 1/2 year. Spoke with support online chat window, support on the phone, support by email or refuse to disclose why, all refuse to even hold a simple dialog with me at all about matter. I have XXXX on my paypal account requesting imediate access to those funds.
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equitable Acceptance Corp (CA)

THIS COMPANY HAS CALLED ME NUMEROUS TIMES ABOUT A DEBT THAT I DON'T FEEL I SHOULD HAVE. THEY SAID I SIGNED A CONTRACT WHICH I DID NOT. THEY SHOULD REMOVE THIS DEBT, THEIR EQUIPMENT HAS BEEN RETURNED UN OPENED.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (IL)

In XXXX, I applied for a XXXX XXXX Rewards Card through Banco de Popular Puerto Rico. They accepted me and gave me a {$9000.00} credit limit. I made a {$1200.00} balance transfer and was charged the 2 % fee. I was then informed if I made a purchase of any amount, I would receive {$100.00} credit on my statement. 

A month later, I got a letter stating the account was closed but was given no reason. I contacted both XXXX XXXX and the credit card company numerous times. I started with one phone call to XXXX XXXX. They transferred me to the credit card company. First the credit card company told me they don't have a reason and I should call back in a week. Then the second time I called, they said there still was no reason. I demanded an answer. They told me they would put in a request to find out. The third time I called back, I was told it was " bank policy. '' I wanted to know what the bank policy was. They had no answer or reason. I called back the fourth time after the new year and was told it was bank policy and that was the only information they have and will ever have. 

Furthermore, after I made a purchase using the card, they gave me the {$100.00} credit THEN removed it. 

This inquiry affected my credit report. 

Despite the fact that I have good credit, I am EXTREMELY upset. I had planned to use this card for another balance transfer and will now be " dinged '' again in my credit report when I have to apply somewhere else, which will bring down my score again. 

Also, they put the full credit card number on the statement they mailed, which I find extremely unsafe. 

Please look into this and let me know what can be done to resolve this issue. Thank you!
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account.
Consumer complaint received 2024-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc (AR)

On XX/XX/XXXX my supervisor received a call frm a 3rd party company asking to verify my employment they did not ask to speak with me but she did put me through to them. I received the name of the company trying to verify information and spoke to someone directly there. I the sent out a debt validation letter on XX/XX/2023. I have not received any information to validate this debt at all. I do not owe the amount that is in collections
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (GA)

In XXXX, 2023, my student loans with MOHELA were forgiven under the XXXX program. I received notification that the balance on my loans was reduced to {$0.00}. However, these updated balances have yet to be reflected on my credit reports.
Consumer complaint received 2020-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

I purchased a Cashiers Check ( check # XXXX AMOUNT {$3200.00} ) on XX/XX/19, but the Payee lost the check. I immediately contacted US Bank and requested a stop payment be placed on the cashiers check to prevent any one finding it & cashing it. US Bank advised me that it is their policy to wait 90 days before putting a stop payment. I am very worried that someone will find the check and I will be a victim of fraud. I believe that US Bank should immediately stop payment to prevent that from happening. I do not know why they would risk a check being cashed by the wrong person for 90 days. They also said that they would not be able to reissue the check for 90 days. This causes a financial hardship bc I need that money sooner than 3 months.
Consumer complaint received 2023-05-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

My wife and I filed for a deferral payment option in XX/XX/XXXX due to the wife having XXXX for a XXXX  and our insurance not covering all the costs. 
Once they connect you to the correct department to discuss the deferral option, They run a check to tell you your account will qualify, After they told us our deferral was APPROVED they emailed us an agreement to sign. Once the document was signed, we emailed it back to a XXXX XXXX on XX/XX/XXXX at XXXX, he then responded only moments later with " I sent it over for processing ''. We assumed all was ok, until My wife went to pay our account online through their portal this month. Once my wife saw something odd online, she asked me to call. Once calling and entering my info, they transferred me to collections dept, So I knew something was off. They instructed me that my payment is past due. I said no it is not!! Look at our account, it's always paid as agreed. They instructed that our payment was late since XXXX, and that our deferral for XXXX did not go through. I asked how is this possible when they ( XXXX ) told us it was approved, the 1st collection rep I spoke to said well your document wasn't signed. I reminded him that was looking at the actual email with the signed document attached to it with their representative, XXXX XXXX name attached to it, the representative was unresponsive and unwilling to answer any further questions, I went through this with 3 separate collection agents from Nissan, with the last one saying he was the lead supervisor and there was no senior advisor above him. He only stated his name as XXXX with ID XXXX XXXX was not able to answer why the deferral was rejected, when they explicitly tell you, your deferral has been approved and walk you through the process of sending the actual document. He then proceeds to go through the same process again, make a payment now, and we can defer your next payment, so you are not late. I then stated, why would I set up a deferral option when you didn't honor the last one to begin with. 
I again and repeatedly asked for his supervisor, he was unwilling to give up any information to solve this issue
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (LA)

FORTIVA is reporting my account # XXXX as a CREDIT CARD on my credit files. This account should be reporting as a LOAN. I just at the beginning of this 0 % 60 month term loan, therefore the balance is still high, due to it's my first year paying on it. This is causing my credit score to drop horribly because by Fortiva reporting it as a credit card instead of a loan, it's showing that I have a high utilization rate. 
Please update this account from reporting as a credit card to reporting as a installment loan. Thank you!
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My credit score is XXXX, my overall usage is around 3 % and my annual income is $ XXXX  which is verified and DTI is less than XXXX XXXX. I asked BofA for a line increase and in the process reduce my annual APR based on my credit score and income. BofA declined sent adverse action notice based on the following factors, economic and loss trends, BofA considered my relationship with them. Along with Trends in Balance. Please be aware I pay off my credit balance every month and have never been late so unclear as to what BofA means by trends and balances, but I am really confused by the economic and loss trends, is BofA saying that I am responsible for their financial loss trends in their credit card portfolio? I am a XXXX XXXX  women with an XXXX credit score and BofA declined me because I guess XXXX XXXX  is responsible for the company economic and loss trends. Also with this score of XXXX BofA is charging me XXXX XXXX APR. My girlfriend who is not XXXX XXXX, make less money than I do, credit score is XXXX has a lower APR and higher line. I am convince give my credit factors that BofA is discriminating against me. As I do not know of anyone with an XXXX credit score, make over XXXX XXXX with limited debt who gets declined, unless you are XXXX. I would recommend that the CFPB review BofA practices and I think they are discriminatory.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (CO)

I had a check payable to me, XXXX XXXX, stolen from my mailbox. The thief took my check and opened a bank account under my name at Keybank. I went into the branch that opened this fraudulent account and they could confirmed that the thief did not have my social security number or form of identification. This account should never have been opened and shows a complete failure of controls at Keybank. 

The theif was able to con Keybank out of money and now Keybank claims I owe them money and have sent a debt to a collections agency
Consumer complaint received 2020-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (HI)

I have an Adjustable-Rate Mortgage on my home. My loan servicing was recently transferred 90 days ago from XXXX XXXX to XXXX. 

My rate and payment will experience its 3rd adjustment on XX/XX/2020. 

I called and asked them what I can expect XX/XX/2020 so I can prepare and budget accordingly, and they told me to wait. XXXX has failed to advise at this time as to what the new rate and payment will be. 

I am within 60 days of a payment change and they are unable to advise any information regarding this, which seems completely unacceptable.
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX/XXXX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX/XXXX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am absolutely outraged that this issue has not been resolved. On the XXXX of XXXX, 2024, I filed a formal complaint with the reporting agency for being in violation of my consumer and privacy rights and for inaccurately furnishing information on my consumer credit report. I requested that the below mentioned accounts be deleted due to being inaccurately reported. 

Experian persists in reporting the below mentioned accounts on my credit report without providing any meaningful evidence of their accuracy or validity. Additionally, they have neglected to specify their reinvestigation process, leaving me in the dark about how they purportedly verified these disputed accounts. Furthermore, they have failed to uphold consumer privacy rights by maintaining inaccurate and unverified information on my credit report. 

Experian 's actions constitute multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 1681e and 1681s-2. These sections mandate that consumer reporting agencies like Experian must maintain accurate and up-to-date information on consumer credit reports, and they must conduct a reasonable reinvestigation of disputed information upon request.

According to the FCRA, an investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that the accounts were verified and updated. But, how is that possible if they never performed a proper investigation according to the law. Also, every piece of information on these accounts are still not being reported 100 % accurate. According to FCRA 15 USC 1681, everything must be 100 % accurate.

They have also violated my rights under : 15 U.S.C. 1681 section 602 A. Which states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

This has caused me hardship and has affected my way of living. 

The following accounts are not reporting accurately : Account Name : XXXX XXXX account number : # XXXX Account Name : XXXX XXXX account number : # XXXX Account Name : XXXX account number : # XXXX Account Name XXXX XXXX XXXX account number : # XXXX
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act 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 agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act 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 agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MI)

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ENOVA INTERNATIONAL, INC. (FL)

I was discriminated against I was denied of my own personal credit title 15 subsection title 1611 faults and misleading denial of my own credit, and bureau and agencies are sharing incorrect and false information 15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805. giving me a bad reputation on my credit profiles.
Consumer complaint received 2022-12-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NC)

After my last complaint to your govt office, XXXX replied saying that they recognize the mistakenly filed lien they filed with FHA case # XXXX. And submitted a request to HUD on XXXX. I have waited over a month without any news at all about its release. I even contacted HUD directly and they were not able to help. And only sent me the bill of the money incorrectly were told that I owe. 

( I may be mistaken but i believe the mistakenly filed lien is XXXX book number is XXXX pg XXXX in the amount of {$17000.00} ) Please note : there was one lien that was filed correctly and has been paid off.

My request is in regards to the lien that was mistakenly filed by Caliber on XX/XX/XXXX for the amount of {$17000.00} I have been trying to correct this since approx XX/XX/XXXX, my house closed on XX/XX/XXXX. please help
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (IL)

An account was illegally opened in my name and email address using my SSN. I requested that they immediately close the account and report it as fraud. 

At the very least, Chime should setup more verification steps to open an account as they merely used my email and SSN to be able to open an account which I could have ultimately been held accountable for even though I never verified my identity and a credit check was NOT done.