davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

I recently checked my credit report and found several addresses and accounts that were not mine. I have filed a police report and even tried disputing the fraudulent accounts but have had no resolutions. Below I am listing the accounts and address that are false. 

Experian : Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX Account XXXX :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXXBalance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX XXXX/XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$150.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$35000.00} XXXX Accounts : Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX Account XXXX :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$35000.00} fraudulent addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ///XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (RI)

I am writing for two reasons. I was not informed or included in a legal settlement with CPFB and Nationstar Mortgage, dba Mr. Cooper. I believe that I should have been included in the damages paid for Mr. Cooper 's fraudulent practices because I have been complaining for years about their fraud in my mortgage account. Secondly, I am including documentation that shows Nationstar fabricated my credit report by reporting late payments when I paid on time. The discrepancy in my payment and the mortgage amount is because of Mr. Cooper manipulating my escrow account and changing my mortgage payment frequently without adequate notice starting XX/XX/XXXX and continued unit XXXX. I have never been 30, 60, or 90 days late for any mortgage payment. Nationstar has a routine practice of changing escrow with less than 30 days notice then holding timely payments in a separate suspense account and not giving credit for the payments made on time. The amount of the differences were less than {$100.00}. Nationstar routinely made adjustments then penalized mortgagees and damaged my credit for no reason other than manipulation of my account. The statements that I am providing were created more recently and were never provided to me at the time of the alleged late payments. The statements show payments being received by Nationstar when they were reporting my payments late but in fact where deposited into a suspense account. This should have been part of the litigation settlement which I should have been a part of. I did request a forbearance which I received because I temporarily lost my job during the Great Recession. The problem I have is that Nationstar has refused to remove the negative credit report because of their malfeasance in manipulation of escrow. Regular and frequent escrow calculations are not the norm in any other mortgage servicer and XXXX did so out of fraud. I have attempted to get clarification from Nationstar but they have never provided a full accounting for why the escrow frequently changed from month to month from XX/XX/XXXX until XX/XX/XXXX. In addition, Nationstar has frequently reported payments made on time as late which has damaged my credit score for years.
Consumer complaint received 2020-07-27
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. (FL)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report.

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

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 claim action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc. (TX)

I am filing a complaint against XXXX XXXX. For over a year now, I have been reaching out to them, requesting options for cancellation out of this timeshare. Instead of aiding and options for resolution, the only responses and communication I have received from them have been regarding payment they are requesting and never any option to alleviate this from me. This timeshare has very easily become a burden, especially because it was initially misrepresented to me. It is impossible to sell or try to rent this timeshare as hundreds of people are trying to do the same on XXXX and XXXX. They kept bringing up my family and how this would benefit us. I was never informed that the maintenance fess would keep increasing and after only two years it increased almost {$30.00} more. I did not sign up for that and I feel forced into paying those. The presentation took an enormous amount of our time and took up one of our vacation days and the paperwork was very rushed. They toured us around the XXXX area, there they gave us an alcoholic drink and nothing but a bunch of lies. I have explained my concerns and circumstances to XXXX and all I have expected was a response with a solution and they have failed to provide me that. 

This was a misrepresented contract and I am taking the proper avenues to cancel my contract with XXXX XXXX. The cancellation of that contract will absolve any debt with them, so there will be nothing to pay XXXX afterwards. Also, I never agreed to work with a third party collection agency and sent a cease and desist to them. They should not be involved anymore.
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AR)

In early XXXX, I found an offer from Citibank to open a new checking account with them ; leave {$15000.00} in the account for 2 months, then they would give a {$300.00} bonus. About 1 and a half months later, the account was closed. After calling customer service, I was told that the account was closed as a result of my lack of response to a call they made to me on XX/XX/XXXX. In fact, my phone log says that I called them back about an hour later the same day. Otherwise, I had received an email on XX/XX/XXXX after activating the debit card they sent me, and on XX/XX/XXXX, saying that my transfer had gone through. However yesterday ( XX/XX/XXXX ) I received an email saying that the transfer did not go through and that the account would be closed. I have a feeling that Citi is systematically closing accounts rather than paying out the bonuses they offered to account holders. I would happily have put the money in a high-interest account were Citi not to have made that offer, but instead, Citi has been making interest on my money and left me out to dry.
Consumer complaint received 2022-06-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

Legal action will be taken if a validation with all requested documents is not made available immediately.I filed a previous complaint with American Adjustment Bureau. I have still have not received validation of debt for this procedure XXXX that I did not authorize nor was it cleared by my XXXX I only agreed to have a regular cleaning and that's what I was booked for which is covered one hundred percent by my insurance carrier. Please provide a validation of debt via email with all supporting documentation along with my authorization for this invasive procedure and my signature on an estimate of additional charges which is required by my dental insurance company This information can be sent to XXXX.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I have been a Citi credit card custome since XXXX. I don't use this card often, but it had been attached to my XXXX account. 

On XX/XX/XXXX, I attempted to purchase a pizza with XXXX in XXXX XXXX. I immediately got a warning text from Citi to my cell phone that the transaction was declined and to try again. I did not try again with the same establishment. I did not try again, and ordered another pizza from a different restaurant, again using XXXX Eats. 

I ended up getting XXXX orders delivered because CITI apparently had not declined the transaction ( even though they had communicated that that was the case, so I BELIEVED THEM ). 

It has been utter XXXX dealing with CITI customer care in explaining the situation. The first set up CC people on their mobile chat app did not even understand how a charge in EUROS would be translated into USD for an American customer, and I was accused of talking about XXXX different transactions because of the confustion/incompetence of the CC people at CITI. 

I tried to work it out with XXXX, but from their standpoint, the transaction went through. 

I have texted with CITI and called. I decided to dispute the charge with CITI and I have received a conditional credit, but it should really be an issue with CITI 's systems messing up things for me and XXXX. I called several times and texted CITI and have gotten some people there to promise me that a goodwill credit will be applied to my account, and the dispute process dropped. This has not happened, and when I attempt to inquire about it to a new CC person, they often don't understand anything and I have to where to turn. 

Meantime, I decided to switch my card to my XXXX credit card. Well, when I was trying to book an XXXX Ride on XX/XX/XXXX from my home in XXXX, TX to the airport, XXXX wouldn't let me use their service until I paid for the PIZZA AGAIN. XXXX EURO. I needed to get to the airport, so I paid it. I now have a dispute process with XXXX, because I found out from XXXX that from their perspective the chargeback I have with CITI puts my account in arrears. 

I just can't win. I didn't order XXXX sets of pizzas, ever. CITI told me that my transaction was declined. It wasn't. Just give me the goodwill credit as promised and drop the dispute process since it was ALL CITI 'S error in the first place.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2020-02-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

What has transpired here is the unwillingness or the lack of fortuitiviness of Select Portfolio Servicing and my mortgage lender to disclose my payment history to the three credit agencies over the past seven years. This has harmed myself and my family immensely and hindered my ability to obtain better funding, Through this better funding existing debit could have been extinguished further improving my F I C A score with the credit agencies of XXXX  XXXX XXXX and XXXX. at present these agencies don't know that im carrying a home loan also
Consumer complaint received 2018-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened a business account with Chase back in XXXX, with a promotional offer to receive {$300.00} once I made five qualifying transactions. ACH transfers were listed as a qualifying transaction. I made sure to do 10 ACH transfers to an external account so the bonus would trigger. I did not receive the bonus and through secure messages with online banking Chase told me that because I initiated the transfers from Chase 's online account management, they are coded in the system as " external transfers '', not ACH transfers. However, these should be qualifying transactions according to the terms of the promotion since they are in fact ACH transfersthis is the way external transfers work, and this is in fact reflected in the statements from my other financial institution ( attached transaction list from XXXX ), which lists credits and debits to and from chase as ACH transfers. Since the transactions I did were in fact ACH transfers, they should've satisfied the terms of the promotion which were disclosed on account opening ( attached ). I've attached the correspondence I've had with Chase so far regarding this issue.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I'd suffered a brain injury and had been given a predatory credit card. It was in the amount of $ XXXX managed to pay that back -- in full -- and yet Captial One continued to leverage on late fees, XXXX XXXX. I let them know of my injury. During that time, I was brought to a time of XXXX. While EVERY OTHER credit card was turned off, Capital One kept pyramiding. FOR AN ENTIRE YEAR, I find out. ( XX/XX/XXXX - XX/XX/XXXX ) In XXXX, having healed enough to get myself housed again, I was served. Capital One was XXXX  me for -- TO MY SHOCK -- {$300.00} from the UNSTOPPING AND UNRELENTING FEES. Now, I'm paying legal fees to defend my paycheck, of less than XXXX months, from their XXXX  and malicious actions. 

I simply can not understand how or why a company would continue with a credit card after I had told them of my brain injury and YEARS OF NON-PAYMENT due to my XXXX. There's something very wrong here.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MI)

I have filed 3 dispute with my bank PNC {$250.00} ( XXXX XXXX XXXX ) XX/XX/2022 {$1100.00} ( XXXX XXXX  ) XX/XX/2022 {$960.00} ( XXXX ) XX/XX/2022 I contacted the company and my bank for all these dispute and i have received was a run around from my bank and no giving me any information on the disputes
Consumer complaint received 2018-05-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MacDowell & Associates, Ltd. (AL)

The amount that was sent to me by the company after I turned my lease in early was for {$8000.00} and Ive paid them at least {$2000.00}. My mother was the co signer and she included them in her bankruptcy so there are 5 more years left before I owe them if the statute of limitations are not up on it. They have called and threatened to sue, they placed an illegal lean on my mothers house before her bankruptcy that had to be removed by our lawyers and now they are contact me again and dinged my credit for being late.
Consumer complaint received 2022-06-16
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. (CT)

In accordance with the Fair Credit Reporting act XXXX 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 2022-02-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (NC)

I am a federally protected consumer. This company hired another company to collect an alleged debt. This company gave this company my personal information which as a consumer is private. Pursuant to 15 usc 1692c, this company communicated with a third party about this alleged debt without my consent. This company is in violation of consumer law pursuant to title 15 chapter 41.
Consumer complaint received 2020-07-27
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. (CA)

I pulled my credit to myself for the first time in 6 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2018-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

On XX/XX/2018 I received notification that my COINBASE password was trying to be changed. This was an unauthorized action. I immediately called COINBASE support who 1 ) validated the correct amount of funds were present, 2 ) the LOCKED MY ACCOUNT pending an Investigation. A few days later COINBASE sent me a list of questions verifying the dates and amounts of all my transactions which I sent back to them. I called a few days later to get an update as to the status of my LOCKED account and was told COINBASE has the right to lock my account for 45 days to conduct an analysis of my situation. I checked the user agreement AND NO SUCH RIGHT EXISTS OR WAS AGREED TO!!! I have tried calling COINBASE customer support to 1 ) get them to UNLOCK my account 2 ) acquire information on the status of the inquiry .... customer help is USELESS and they remain in control of my funds ( earning interest NO DOUBT ) under the FALSE and DECEPTIVE right they may LOCK my account for 45 days. I have threatened legal action ( true ... ) and written DIRECTLY to the CEO. I have received NO RESPONSE and my account remains LOCKED. I find this degree of deception and thievery unconscionable. COINBASE should be closed by the authorities at once! I want my funds and want to close my account ASAP. My case # XXXX
Consumer complaint received 2022-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX 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 2020-07-27
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. (MO)

My identity has been compromised and it has caused serious damage to my livelihood and credit file. It is unknown if this disaster was from the direct lost of my wallet or from the XXXX  breach. Either or now I'm dealing with these unknown and unauthorized accounts inwhich I'm demanding to be removed and blocked from my credit file. 

1 ) XXXX  / XXXX 2 ) XXXX XXXX {$27000.00}
Consumer complaint received 2020-07-27
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. (MO)

My identity has been compromised and it has caused serious damage to my livelihood and credit file. It is unknown if this disaster was from the direct lost of my wallet or from the XXXX  breach. Either or now I'm dealing with these unknown and unauthorized accounts inwhich I'm demanding to be removed and blocked from my credit file. 

1 ) XXXX  / XXXX 2 ) XXXX XXXX {$27000.00}