davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-20
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: Capio Partners, LLC (FL)

XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, Capio Partners & XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # *******, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2019-11-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (NY)

Since XX/XX/2018, i had a payment agreement with a Debt Collection agency called Radius Global Solutions LLC and XXXX XXXX towards an XXXX XXXX platinum card in which i had owed ; In this agreement, i had agreed to allow Radius Global Solutions LLC to withdraw XXXX dollars a month, each month until the debt was satisfied. For 15 months XXXX XXXX XXXX had withdrew XXXX dollars and XXXX XXXX would send me an email confirming that they received this amount. I thought everything was going okay until i realized something didn't seem right, when i received and look at an XXXX XXXX XXXX payment statement and notice that they had charged me for late and interest fees. I closely checked the 9 page payment statement and notice that that XXXX XXXX XXXX withdrew money from my checking account and paid XXXX XXXX on the XXXX of each month but the payment due date on the XXXX XXXX Statement were on the XXXX of each month, so for 15 months XXXX XXXX XXXX had intentionally withdrew my money and paid XXXX XXXX after the due and had me racked up over {$900.00} in interest charges and the current balance is {$1400.00}. I didn't understand what just had happened, so on XX/XX/XXXX, i called XXXX XXXX and asked them what was going on, XXXX XXXX told me that they had limited information my account because the account was closed and i should contact Radius Global Solution. When i called XXXX XXXX Solution, i ask them why were the payments made after the due date? I was asked to call back in a few days so they can investigate, when i called them 5 days later on the XXXX of XXXX, i was told that they didn't know why my account had this error and that they wanted to set up a new payment agreement so that i can have my money withdrawn on the XXXX of every month or pay a settlement amount of {$800.00}. I couldn't accept any of these offers because i would be paying for the mistake that the company made, i would have to over {$900.00} interest fee. I asked if i can be credited for toward the current amount i owe but XXXX XXXX Solutions told me to call XXXX XXXX and asked to have these interest fee reversed because they claimed they have limited information or access to my account. I called XXXX XXXX and i explained my situation, I was told that they also have no information of my account and that XXXX XXXX Solution holds and has full information of my account and i need to call them. I made one more phone call to XXXX XXXX Solution and told them what i was told by XXXX XXXX, they still insist that they have limited information and they can't access my account because they are just the middlemen, i need to go to them. So since both parties are pointing fingers at each other and no one can't or don't have access to my account and no one wants to take responsibility for mistakes made, why am i still paying? So i requested a stop payment on my account and i decided to file a complaint until i these is resolved.
Consumer complaint received 2019-11-28
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Automatic Data Processing, Inc. (CA)

On XXXX XXXX, 2019, I found out that there were fraudulent activities on my prepaid/debit card. I reviewed last 4 transactions and there were money taken out from my account in the total of {$800.00} plus fees. I contacted my a card and told them what happened. They identified activities and it was 70 miles from where I live. I was at work and I have possession of my card so I dont know how this is possible. The agent said that scammers could have cloned my card. 
I filed for dispute and later denied because according to them there were atm transactions and it needed my pin. But I told them I was at work and I dont give out my pin to anyone and the fact that I have my card in my possession when this happened. I filed another dispute and I hope they can give my {$800.00} back. 
I need help. What else can I do at this time?
Consumer complaint received 2023-06-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

I usually pay the total amount of my loan for the next month at the end of each month. However, the payments on XX/XX/XXXX and XX/XX/XXXX were both reversed. I received a phone call from the company Mr Cooper in XX/XX/XXXX informing me that the payment on XX/XX/XXXX had been reversed, so I made the payment again on XX/XX/XXXX. But nobody notified me that the payment XXXX had also been reversed, so my payment was delayed by one month, causing the bank system to mistakenly assume that my monthly payment was for the current month 's loan. 

Since XX/XX/XXXX, I have been charged late fees for four consecutive months, namely XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The employee of the company Mr Cooper who called me at the time said that the reason for the reversed payments was due to a system update, so all of these payment errors were caused by your system. I have paid my loan on time every month, and I am not at fault, let alone being charged late fees for no reason. 

I demand that Mr Cooper refund all of my late fees, but the company didnt resolve this problem so far.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report DPT EDXXXX XXXX Balance : {$28000.00} DEPT OF ED / XXXX XXXX Balance : {$28000.00} DEPT OF EDXXXX XXXX Balance : {$28000.00}
Consumer complaint received 2023-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

I co-signed a XXXX lease with XXXX XXXX XXXX XXXX XXXX. About 4 months into my lease, my apartment started to experience numerous issues, water leaks, pest infestation, air condition not working, heat not working, bathrooms not accessible unauthorized entry into the apartment by the leasing staff. 
I have several emails of complaints and notices where my XXXX XXXX XXXX has to constantly visit the doctor due to the dust from the numerous ceiling repairs. 
On XX/XX/XXXX I informed the apartment of my intentions to break the lease and move out when I get another apartment in writing ( I have proof ). And I got a house in XXXX and moved out. 
They have now forwarded the last months rent to collection without my knowledge claiming bridge of contract.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

Dear CFPB officer, I opened the Citibank checking account on XXXX by signing up the welcome bonus offer that pays {$1000.00} if I deposit {$75000.00} and maintain it for 2 month. I received the offer confirmation email on XX/XX/XXXX, I deposited XXXX on XX/XX/XXXX, according to the offer I should receive the bonus {$1000.00} no later than XXXX, however I still have not received any thing. I called citi customer support many times and each time they can confirm that Im indeed qualify for the offer, they submitted a claim within their system, saying I can get a result in 5 days, Ive been waiting for more than 15 days and still no response. In the meantime I started searching the internet for this matter and it looks like some other users have faced similar issues before. Now I feel like I fell into a scam, especially now I cant even transfer all my {$75000.00} out at once. Citi lured me to deposit all these money with no interest and declined to pay for what they promised. Thank you.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (NV)

I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

I applied for a Mortgage with JP Morgan Chase Bank. While Applying I was told everything was going normally until a late email on the XX/XX/15 stating there was an issue. Chase gave a somewhat vague description related to the XXXX 's insurance as to why. When I asked for the specific issue, including lines of the insurance, they did not answer. This confused me and my XXXX agent. This late change forced me to switch banks, push back closing, and get a worse interest rate on a Mortgage than Chase had locked me in for.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (VA)

Check never came and they will not comunicate at all. 

XXXX, XXXX XXXX XXXX, XXXX XXXX email from XXXX, XXXX XXXX XXXX XX/XX/XXXX you wrote Thank you very much for sending the document over, I will proceed in closing the account. 
The check will go out Monday and should take 7 to 10 business days to arrive. Please let me know if you have any questions. 

Was the account closed or is still being drained with inactive account charges? 
Do you know why we never got the check? 
Thanks XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I have submitted two complaints and responses regarding this account, they have only removed some not all late payments as requested. They are still currently reporting incorrect information and this is negativley affecting my report. They are violating my rights and FCRA. I have submitted a complaint with the Attorney General as well. They have removed some late payments that were inaccuratley reported and have acknowledged reporting innacurately. However they still refuse to remove all the payments as requested and comply with FCRA. They have edited their reporting and state they are reporting within the guidlines. They knowingly and willingly reported false information and have made edits after seeing dates not match up on the 3 bureaus but have not removed all late payments as I requested.
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit report shows presence of derogatory public record or collection, but am not aware of any. Also, shows a recent missed payment which I am also not aware of. I have tried calling but were not able to help me. This is found on credit reporter TransUnion. I also did notice a total amount of 14 hard inquiries which is much more than I remember. I believe car dealership checked loans with other banks without my consent. Please help, as I was not aware of any of these things. I am employed and a student. Thank you very much for the time.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A XXXX XXXX XXXX I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

These are ALL the UNAUTHORIZED HARD INQUIRIESON MY REPORTS that were NOT AUTHORIZED BY ME NOR DONE BY ME ; 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 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 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
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Charleston Area Medical Center (OH)

XXXX XXXX, 2017 I sent a certified letter to the company asking for them to validate the alleged debt. Company did not respond, or send any proof of alleged debt. They still continue to report to the credit bureaus without validating alleged debt.
Consumer complaint received 2023-01-05
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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 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 2023-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

My account with chime has suddenly been closed without explanation. Every time I try to contact their customer support team they send me emails saying that I need to send a photo of my Id. Then they never respond back this company has been putting me through this for over a month causing me to fall behind on rent and bills all of my money is in my chime account. And their customer service has been no help they won't even tell me why my account has been closed they just locked me out of my account with no warning or explanation
Consumer complaint received 2017-12-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX of XXXX we called our mortgage company ( Bank of America ) and asked if we could refinance at a lower rate with some additional funds to help us get through this difficult time ( unemployment ). It was then that we were offered a Home Equity Interest only Line of Credit. At the time the real estate market was booming and they offered us a huge loan. we were told we would qualify for the HARP program just take the line of credit, in addition to that, we were working with a representative never actually getting a modification payment. We were offered a payment that was higher in fact, so high we couldnt make the payment. This continued with XXXX XXXX a new representative because the other one was laid off. XXXX stated if I show good faith by making 3 payments they would continue to work with us and find a way to consolidate both loans. I asked XXXX XXXX If they could apply a percentage of debt forgiveness to make both loans affordable. Instead my 1st mortgage loan was sold to XXXX leaving me no other option but to pay both loans individually. Unfortunately for me I was not knowledgeable enough to get it in writing her promises before making those payments. 
The two loans would have totaled XXXX a month totally unable to make that payment while on XXXX. 
I have since called them imploring them to please work with me even as recently as XXXX/XXXX/XXXX. My original mortgage was with boa and they sold the loan to XXXX as soon as i made 3 very high payments to them deceiving me by not combining the two loans making them affordable to us. They lied so many time to me and worst part is they never gave me a modification. They never explained to us the fact that the mortgage was a priority not the line of credit. I never would have fell behind if i was n't paying the interest on the line of credit. I did n't understand my allegiance belonged with my mortgage. THEY ARE THE ONES WHO TOLD US WE WOULD NOT BE ELIGIBLE FOR ANYTHING BECAUSE WE WERE NOT LATE WITH ANY PAYMENTS!