davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I filed a dispute of information on my Credit Report through XXXX. 

IC System, Inc listed several 'aliases ' on my credit report that were misspellings of my name, and an incorrect address. My name is XXXX XXXX XXXX. 

IC System, Inc placed several incorrect names as aliases on my credit report : XXXX XXXX, XXXX XXXX, XXXX XXXX. Those three names were " updated '' by IC Systems per a dispute I filed by phone, and just switched back to my real name. Obviously, these are different names and not 'aliases. ' They have not yet removed the other aliases they've added : XXXX XXXX, XXXX XXXX. 

I was not able to dispute some absurd, incorrect spellings of my names and wrong addresses on my credit report online through XXXX, and they say I am required to contact the collection agency to do so. This is despite the fact that the names and addresses are clearly not mine. 

IC Systems, per the dispute, 'updated ' the three improper names they placed on my report by simply rendering my correct name instead. But they did not remove the improper address they placed on my report and instead 'Verified it as accurate. ' And at the same time, they proceeded to " verify '' the debt they placed on my credit report associated with that address. 

It makes no sense that IC Systems would 'add ' several aliases to my credit report and 'update ' those, but not correct a wrong address and debt. I have never lived in Texas, nor do I have debts associated there..
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America closed my two credit cards with no notice and for no reason in XX/XX/2023. When I called the bank, I was told it was a business decision and they could not give me more information. One of the credit cards was an XXXX XXXX XXXX card that I had been approved for in XX/XX/2023 and for which I paid a {$500.00} annual fee. I called Bank of America several times and asked for the annual fee to be prorated and reimbursed and for the accrued points ( XXXX valued at {$1100.00} ) to be applied to the balance on my card. They denied both requests. I had applied and paid for the card because of its benefits for a trip I was taking in XXXX XXXX. I lost all of the benefits ( including luggage fees, travel insurance, airline fees, etc. ) as I had already booked the flights and other parts of the trip on the card and Bank of America would not let me use any of the benefits or protections once they closed the account. I am extremely frustrated that I lost out in thousands of dollars, was given no notice or explanation, and have no recourse to resolve this situation. I was a XXXX XXXX client for 23 years with the bank. There were no late or outstanding payments, my accounts were in good standing, and my credit score is XXXX.
Consumer complaint received 2021-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

I have a mortgage on my primary residence with Suntrust Bank ( now Truist ). I have been making monthly PMI payments since XXXX, and my LTV ratio hit 80 % in XXXX of XXXX. At 80 % LTV I am no longer required to carry PMI, and submitted a request to have the PMI canceled, and any additional charges refunded. I submitted my request in XXXX of XXXX. Since XX/XX/XXXX I have been billed for PMI each and every month. I have called Suntrust repeatedly to address this problem. I have submitted additional written requests to have the PMI payment canceled and refunded. For XXXX the total PMI premiums collected by Suntrust are more than {$500.00}. Every time I speak to someone on the phone, they tell me the problem is being 'researched '. I refinanced my loan in XX/XX/XXXX, and am very concerned that with the original loan being closed, it will now be impossible to get my PMI premiums refunded. Can the CFPB help me get this money refunded?
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NY)

Receivable Management Services, LLC located at XXXX XXXX XXXX, XXXX, MN XXXX is attempting to collect a debt on behalf of a foreign creditor XXXX  in the amount of {$530.00} for purported services rendered by XXXX, an online publishing company. The debt being collected spans a period from XX/XX/XXXX through XX/XX/XXXX. 

XXXX is a foreign company registered in XXXX. I utilized the services while I was a resident of XXXX and XXXX. However, my use of the services was for a short period of time during a free trial period, after which I canceled the service and ceased using it in early XXXX. 

XXXX products are a fee-for-service offering. I never executed any kind of fixed-term or revolving contract or agreement that wound bind me or make me liable for payment beyond the date of which I canceled my account. Furthermore, I've never engaged in any activity, to include seeking or entering into any contract or agreement or receipt of any extension of financial credit, with XXXX 

I dispute this debt in its entirety, and deem this to be a fraudulent collection attempt.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been denied access to the Home Loan Modification Status iportal for borrowers My Documents tab since XXXX XXXX, 2016 after submitting several documents. I have repeatedly requested my access to the Bank of America created, maintained and managed borrowers iportal, but my requests have been ignored. While I am able to log in to the borrowers iportal and access every other tabs, such as the My Application Status tab, I can not gain access to the My Documents tab page. Apparently Bank of America has locked me out and intentionally denied access to this tab page within the iportal. This intentional lock out and lack of access effectively prevents me from uploading documents, checking the status of my home loan mortgage account information including, but not limited to, the current modification status and who the currently assigned single point of contact is along with their contact information. 
Unblock and unlock the My Documents tab page within the borrowers Home Loan Modification Status iportal upon receipt of this request to do so and ensure that I am not denied full access to the entire borrowers Home Loan Modification Status iportal in the future. 
BLOCK AND LOCK OUT OF THE MY DOCUMENTS TAB ON IPORTAL
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (IA)

To Whom It May Concern, May I please request you help. I borrowed through an installment loan company known as CHECK N GO, {$5000.00} I have now paid the company ( 7 ) payments that all were applied to their high interest totaling {$3500.00}. I contacted the local office located in XXXX  XXXX WI and the pay-off amount is another {$5000.00} ( + ) to end the loan! I have contacted customer support for this company asking for their assistance in accepting a hardship pay-off. They have told me to date I have another ( 14 ) more payments due and the only way to end this loan early is to let the loan go into a 90 day old late status. The loan then is moved from the local store to the corporate office for collection status. I contacted all three credit bureaus and the company is consistently reporting the balance late, therefore destroying my credit. This should be considered illegal banking practices and this company along with others should be closed. It is pure thievery. All i am asking is to pay-off the loan for a reasonable sum in one solid payment. To be made to wait 90 days for my credit to be destroyed makes no sense. I have acted honorably I would ask this company the same. The local office is of no help they will not consider a lesser amount to close the loan, threatening higher interest daily. This seems so unethical in todays checks and balances world. This loan is seven months old. All I ask is for the company to reevaluate the loan and offer a settlement amount.
Consumer complaint received 2021-08-06
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX ) and the Creditors ( XXXX  ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc. (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Theses Account have Affected my credit. # XXXX # XXXX # XXXX  # XXXX  # XXXX  according to the fair credit reporting act ( FCRA ) 605B Its is illegal to report information on my Credit report without my permission please remove these items from my credit report
Consumer complaint received 2021-08-06
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 — Problem with personal statement of dispute
Company: PNC Bank N.A. (NJ)

On XX/XX/2020, I got a forbearance for my mortgage account that covered month of XXXX and XXXX all the way to XX/XX/2020. 
PNC Mortgage intentionally reported my credit late for the month of XX/XX/2020 although I called them 100 times but, as usual, very poor customer service that never have any representative answer the phones especially when the pandemic first hit on XX/XX/2020. 
During the whole month of XX/XX/2020, I was put on hold for hours without getting anyone on the phone to explain that I lost my job and needed help. 
Finally after several attempts to reach PNC mortgage representatives, on XX/XX/2020, I was able to reach XXXX, she assigned my case to XXXX XXXX, I did explain to her that I lost my job on XX/XX/2020 after a severe slow down in my work since Mid XX/XX/2020 and, she forwarded an application for Forbearance which I forwarded back to her on XX/XX/2020. 
Also, I want to mention that the representatives, even supervisors, were always rude to me on the phone and never willing to help, they never offer to help fix my problems although I have the full rights
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (CA)

i had the following ach transactions to coinbase from discovery bank. 
My coinbase account was compromised and I need to dispute the ach transfer with discovery bank and get the money back. 

XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$16000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$20000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$29000.00} XX/XX/2021 ACH WITHDRAWAL XXXX XXXX - {$35000.00}
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Firstsource Business Process Services, LLC (NY)

I called to obtain information about the debt. We negotiated a settlement amount. I told them I needed to pay the amount over time and that I would contact them in two days to move the process further while I looked for ways to raise the funds. During the call they obtained my bank account number. 

They contacted XXXX XXXX and paid the settlement amounts in my name without my consent. I had no agreed to the settlement. They then attempted to charge my bank account for the settled amount in full. The payments were declined by my back and I incurred two overdraft charges. 

I do not know if XXXX XXXX has settled the debt at the amounts they attempted to charge. I have no idea what is going on. There was no structure to the call. It did not follow any of the standard legal procedures or language that I have encountered in other calls like this.
Consumer complaint received 2021-08-06
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. (FL)

On XX/XX/2021 I sent a letter to Equifax to validate the information on my credit report and open an investigation to ensure that the current profile was reporting 100 % accurate. As shown on their website my initial letter included a validate copy of my drivers license as well a an update to date copy of my credit card billing verifying my address. Each letter thereafter included a copy of my drivers license. 

I had not received a response from them so on XX/XX/2021 I sent them another letter notifying them again and asking that they open an investigation on the accounts listed in the letter. 

By XX/XX/2021 I still had not received any communication from Equifax regarding the dispute so I sent them yet another later on that date pleading they open an investigation and exercising my rights as a consumer under the FCRA. 

It is now XX/XX/2021 and I've still not yet heard anything from Equifax regarding any of the dispute letters I've sent out. 

During the course of these 5 months I've contacted them by phone to ensure I've had the proper mailing address, which they have confirmed. 

Please assist with this issue. 

Thank you
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

It seems Experian is reporting in my Credit Summary that I had 3 late payments ( see uploaded document ). My credit report ( also uploaded ) states that there were 2. On XX/XX/XXXX my Experian credit score drop 15 points due to this erroneous and damaging reporting. My XXXX  and XXXX  reports show I have an excellent credit score so Im not sure why Experian would be reporting negative information. On XX/XX/10 I submitted a dispute regarding this but it appear what I reported was ignored and the dispute closed. The negative reporting is effecting my ability to use my good credit rating to achieve employment and housing.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (NJ)

I scheduled a billpay back in XXXX for XX/XX/XXXX remittance from my Ally Bank Checking account for the amount {$1700.00} to be sent to my mortgage company XXXX XXXX. I am now told that on XX/XX/XXXX Bill Pay system attempted to make payment electronically but was denied as I was not in XXXX XXXX 's system yet ( loan account undergoing service transfer ) and they couldn't recognize my account number so the funds were returned. Ally Bank Bill Pay has held the funds now and refusing to return it to me. I am now at a loss of {$1700.00}. I filed dispute with Ally Bank to reclaim my funds and they refuse to resolve my dispute or return my funds. I need my money back in my checking account so I can complete my Mortgage payment before XX/XX/XXXX when my payment is due. Ally Bank is totally irresponsible and unreasonable to allow billpay to hold my funds in limbo and not sending to merchant or returning funds back to me. This is totally irresponsible and unethical practice ( probably illegal too ) by Bill Pay enjoying interest by holding my money.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XX/XX/2021 I received an e-mail from the coinbase company saying that my password has been changed. I had not changed the password. On XX/XX/2021 I see that email and I communicate with them saying that I can not enter my account, and they reply by email saying that in 4 or 5 working days they will solve it, today XX/XX/2021 I write a ticker again saying that my problem has not yet been solved and they respond to me with the same email as on the day 30 saying that in 4 or 5 days they will solve my problem. it's a loop and i can't access my account where i have a lot of money.
Consumer complaint received 2021-08-06
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: JPMORGAN CHASE & CO. (TX)

JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX XXXX Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. 

Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over XXXX points and preventing me from getting a mortgage. REMOVE immediately.
Consumer complaint received 2021-08-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Affirm Holdings, Inc (OH)

I have utilized Affirm for several loans and currently have three active loans. All of my loans have been paid and with perfect payment history. Most recently, I tried to utilize Affirm at XXXX XXXX, and my applications are continually denied. I have a consumer alert to verify my identity and call me at the number listed to confirm. No one from Affirm has ever reached out to confirm my ID. I emailed Affirm and explained what is going on. They assured me that someone would reach out ; instead, every app gets denied. Their processes show that they reach out, but they never do, and I'm completely frustrated. Many merchants utilize this company for 0 % financing ; therefore, there is no choice if you're looking to finance something on merchant websites. 

No one at this company Affirm seems to care or be willing to help. 

See the attached screenshots for the 0 % offer as well as the response after I input my details for the loan. The PDF document contains their response that they were unable to contact me, etc. NO ONE EVER CALLED PERIOD!
Consumer complaint received 2021-08-06
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: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.