davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (IL)

They advertise that they are helping their customers affected by the Covid 19 crisis, but they in fact are not really helping at all. I inquired about what that " help '' means and they explained that I can skip a payment, but will be charged interest. Well, this contradicts itself because it is in fact a profit for them. And this interest charge is what happens if you miss a payment in any regular day scenario. So no different options being offered to customers due to the current situation. And the only thing they said they don`t charge is the late fee. But they still charge interest, which I find to be not helpful at all. I would rather pay my balance than being charged more for being late, which is like I previously mentioned the case anyway.
Consumer complaint received 2020-04-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collins Asset Group, LLC (VA)

XX/XX/2020 I contacted Collins Asset Group LLC # XXXX, spoke with a XXXX, and was advised that the company no longer had my account in their possession or in the office, and that the account had been outsourced to another company. She refused to provide me with any account information in reference to anything I owe or how to remove reporting, but Collins Asset Group is the company reporting that I owe them funds. Disputed issue with XXXX XXXX online, Collins Asset group responded that information is accurate, so i contacted Collins Group on XX/XX/2020, spoke with a XXXX, and she confirmed the same information that it was outsourced but also could not inform me on my account information. She refused to dispute and advised that the outsourced company will be handling case and payment options, and once I resolve issue with them, they will contact XXXX to remove reporting. I explained my situation to XXXX and she agreed with me that if the account is no longer in their office and has been outsourced, the outsourced company should be reporting against me not Collins Asset Group LLC. I then contacted XXXX XXXX and spoke with XXXX who escalated issue by re-disputing error on my report.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc. (AR)

Mars collection company call me four times to collect on XXXX XXXX. XXXX I ask them to please take me to court.That I was not paying that amount four the apartment was not in good condition.Such as water coming out of the floors I complained 7 times in two months..The doors to the bath room was coming off the hinges and my wife was attacked by 10 people and there kids.. the manager asked me what would u like me to do.. they refuse to take any action. Or correct the problems..instead I moved out because my wife has XXXX XXXX and it was making her even worse ... then they charged me for moving out of apartment me could no longer live in because of condition and I was tired of complaining..and nothing was getting done
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

I used XXXX to send my rent money to my landlord, but he never received it. 
I went to both banks involved in person and brought my landlord with me. 
I was advised to file a police report which I did. 
Chase Bank acknowledged their errors and stated the money went into a wrong account, but could not retrieve the money without a lawsuit. I was unable to get a lawyer. 
Attached are my statements from my account at XXXX  XXXX XXXX and the Police Report.
Consumer complaint received 2022-12-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

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 15 U.S.C. 1681 Section 602 A States I have the right privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C.! 681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/2020, I attempted to make a purchase with my TD Bank debit card but the transaction declined. When I logged into my TD Bank online banking I realized my two bank accounts ending in XXXX and XXXX did not appear or exist and my money was missing although I had over {$1000.00} in my account ending in XXXX. I immediately contacted TD Bank and the supervisor stated that my accounts were being closed although I was unaware and not notified and she also stated that she does not know why my money and bank accounts disappeared.
Consumer complaint received 2020-03-23
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. (FL)

THIS IS MY REPLY UNDER FCRA THAT ALLOWS ME XXXX XXXX XXXX. WHERE TRANSUNION PER THEIR Confirmation # XXXX Dated XX/XX/20. I ALSO MAILED THEM MY RESPONSE. MY RESPONSE IS PDF UPLOAD.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION (TX)

I received a letter from XXXX XXXX servicing stating that I had a past due amount of {$1600.00}. When I called Customer service representative ( Ms. XXXX ) on XX/XX/2020 she stated that the late charges had originated with CIT servicing. When I called CIT on the same date, Customer service representative ( XXXX ) stated that the companies were different divisions of the same company. I explained that the letter I received when the change was made stated that all conditions remained the same ; therefore, I did not change the payment date for my bank 's bill pay. All payments were sent through bill bay on the same date of each month and neither company can explain why I have late charges.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

1. unable to lift a security freeze with Experian 2. Extensive phone wait times 3. No option to speak with a representative/automated options that don't apply 4. different information/guidance provided with different agents 5. no resolution 6. issue now delays/impacts refinancing
Consumer complaint received 2020-03-23
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. (FL)

THE FOLLOWING LETTER WAS MAILED TO EQUIFAX AS TO MY REPLY TO THEIR LETTER Confirmation # XXXX Dated XX/XX/20. 

THE COMPLETE RESPONSE BY XXXX XXXX XXXX IS UPLOADED AS TO EQUIFAX 'S LETTER Confirmation # XXXX Dated XX/XX/20.
Consumer complaint received 2022-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I'm responding to BOA information they submitted XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The FHA numbers I have for this acct in XXXX was ( XXXX ) BOA is showing the FHA number XXXX XXXX with the remaining numbers XXXX out. According to BOA this FHA number was issued in XXXX and is still in place until XXXX. In XXXX the FHA no. is ( XXXX ) Bank of America also made excuses about my Hazard Ins. Money was taken from my mortgage that force the loan into foreclosures. The dates were XX/XX/XXXX amount was {$3100.00} XX/XX/XXXX amount was {$3700.00} XX/XX/XXXX amount was {$2.00}, XXXX XX/XX/XXXX amount was {$2400.00} XX/XX/XXXX amount was {$1300.00} put unapplied funds a TOTAL ( {$13000.00} ) This Ordeal, was created by Bank of America!!! They tried to humiliate me, destroy my reputation, and our credit. I have XXXX XXXX XXXX  XXXX. In XXXX the Doctors XXXX XXXX XXXX. I was sent to XXXX XXXX XXXX where they found XXXX on both of my XXXX, XXXX places in my XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We live in a XXXX world. Nothing I did by filing a lawsuit against XXXX XXXX warrant any Company coming after my family like this. I saw the XXXX XXXX lawsuit and how they were not applying customer 's money toward there mortgage. I'm going to contact the Editor that wrote the article and tell them my Story along with my evidence.
Consumer complaint received 2020-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (MD)

I have two insurance that was given at the time of the procedure. The doctors office failed to submit both insurance. They were notified by one insurance that they were the secondary and had to submit to the primary and then submit the remaining to them. I have contact them several times letting them know that I have a primary and a secondary insurance. The office resubmitted the insurance to the primary and fail to submit the secondary the remaining balance. Each time the doctor  office was notified to submit the bill in the correct order primary and secondary. And each time they failed to submit in the correct order. The Secondary insurance is now saying it is too late to submit the balance due to the fault of the doctors office and will not pay the balance. The secondary insurance says that the doctors office need to do a write off because its their fault for not timely submitting the bill. I should not have to pay a balance when I have two Insurance that covers all the charges and the doctor office Failed to submit the insurance company both primary and secondary after being told several times to correctly submit the claims.
Consumer complaint received 2020-04-01
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my credit file as soon as possible. 

XXXX  XXXX {$2000.00}
Consumer complaint received 2024-02-25
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. (CA)

In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX has violated my rights. Under XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX section XXXX it also states a consumer reporting agency can not finish an account without my written instructions. Under XXXX XXXX XXXX a creditor may not treat a payment on car payment account under an open consumer credit plan as late for any purchase
Consumer complaint received 2021-01-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2020-04-01
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX  XXXX {$780.00} XXXX  XXXX  XXXX {$120000.00} XXXX  XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-23
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc (PA)

A collector from Williams & Fudge by the name of XXXX XXXX calling most recently from the number XXXX XXXX XXXX XXXX has repeatedly called my phone with nonsense tactics including asking questions and then attempting to formulate answers prior to giving me time to respond or constantly interrupting me while I am attempting to respond. Additionally, I have told this collector on multiple occasions that I work XXXX - XXXX overnights please to not call in the in the morning hours as I am sleeping which is when he consistently calls. I have spoken with him about his nonsense tactics and stated that I would like transcripts and/or recordings of the calls that are recorded ; once he said he would work on that and then the most recent call he said there is no way that is going to happen. I informed him that if he is unwilling to provide those which he undoubtedly knows will prove his harassing and wildly unconventional techniques not to bother calling me. I will not deal with this collection agency while they continue to refuse professional courtesies and until I receive copies of the recordings they have which will be used to prove their antics and violations of section 806 of the Fair Debt Collection Practices Act. Any assistance you can provide in this matter would be greatly appreciated.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (ID)

Hello. Theres has been an illegal action placed onto my credit report. XXXX report. Possibly the others as well. This is an illegal action as Im currently in the middle of a bankruptcy XXXX XXXXXXXX which was filed on XX/XX/2022. As of XX/XX/2022 an illegal charge off entry has appeared by Prosper LLC on my credit reports. XXXX so far. 

A creditor can not place a charge off entry onto the credit report of someone who has filed bankruptcy, after the bankruptcy, filing date, during the bankruptcy, and after discharge. I am requesting that the credit bureaus be contacted and that this charge off entry be immediately removed. XXXX XXXX. Cell number XXXX XXXX XXXX. Prosper credit card number was XXXX XXXX XXXX XXXX. This is a an illegal action perpetrated by prosper LLC from what I discovered. I will also be contacting my attorney next week after the XXXX about this matter as well.
Consumer complaint received 2020-04-01
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX  XXXX {$780.00} XXXX XXXX  XXXX {$120000.00} XXXX  XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I XXXX XXXX  XXXX XXXX am filing my complaint against New Rez /Shellpoint Mortgage Servicing I have been dealing with dishonesty and forced insurance on my loan which I know is not in compliance. They increased my mortgage payment to {$2000.00} due to they duplicated the payment to the insurance to make me go into escrow shortage. Now they continue to charge me the incorrect amount because they feel I need to wait and continue to pay for their erroneous mistake that has caused me an escrow shortage that should not be. They have made no attempt to contact me at ( XXXX ) XXXX no have they resolved this matter accordingly. Adding to this that they are out of compliance as they forced their insurance on my loan causing me to pay out of pocket {$2200.00}. They said they paid to me but did not I appreciate your immediate attention on my complaint as I am being over charged and ripped off by New Rez LLC /Shellpoint Mortgage Servicing.

Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
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. (MA)

I XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau pertaining to an illegal collection process against me by XXXX XXXX. I did have a XXXX XXXX account back in XXXX, then I had to file bankruptcy. He XXXX account balance was placed in the bankruptcy petition. Now here we are 11 years later and XXXX has place an account on my credit bureaus that shows a {$390.00} balance on XXXX  and XXXX XXXX, and a XXXX  balance on Equifax. The truth is, the account is so old that it has longed surpassed the legal timeline for actual reporting with the credit reporting agencies. It has long surpassed and collection remedy if one actually still exist, which it does not. Accordingly, XXXX is abusing my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX is also violating its subscriber agreement with all pertinent credit reporting agencies, and the Consumer Financial Protection Bureau should sanction XXXX XXXX for such egregious and illegal collection activities. This account must be deleted permanently and my file information must be purged by XXXX XXXX so that this collection activity will no longer happen to me again. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-04
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. (MO)

XX/XX/2019 filed dispute with transunion because account number XXXX is reporting inaccurate payment history does not match with other credit bureau 's amount XXXX $
Consumer complaint received 2020-04-01
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. (MA)

I XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau pertaining to an illegal collection process against me by XXXX XXXX. I did have a XXXX XXXX account back in XXXX, then I had to file bankruptcy. He XXXX account balance was placed in the bankruptcy petition. Now here we are 11 years later and XXXX has place an account on my credit bureaus that shows a {$390.00} balance on XXXX  and Trans Union, and a XXXX  balance on XXXX. The truth is, the account is so old that it has longed surpassed the legal timeline for actual reporting with the credit reporting agencies. It has long surpassed and collection remedy if one actually still exist, which it does not. Accordingly, XXXX is abusing my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX is also violating its subscriber agreement with all pertinent credit reporting agencies, and the Consumer Financial Protection Bureau should sanction XXXX XXXX for such egregious and illegal collection activities. This account must be deleted permanently and my file information must be purged by XXXX XXXX so that this collection activity will no longer happen to me again. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-15
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. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer righst to privacy and confedentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court # XXXX 15 U>S>C> 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency account furnish an account without my written instructions.

15 U.S.C. 1681c. 9 ( a ) ( 5 ) Section States : NO Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antidates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.