davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I deposited a {$2500.00} check yesterday at bank of America 's ATM. Despite the requirement that the first {$200.00} be available the next business day, my receipt shows the full amount is on hold until XX/XX/2019
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

I had an XXXX XXXX XXXX Mastercard issued by XXXX. 
In XX/XX/XXXXI received a notice that this account would be closed and replaced with an XXXX Visa Signature card issued by Elan Financial. 
On XX/XX/XXXX I was charged an annual fee of {$150.00} by XXXX for the period XX/XX/XXXX to XX/XX/XXXX ( paid {$150.00} for 26 days or service ). 
I contacted XXXX as I was concerned about paying an annual fee for less than 4 weeks of service without having any way of knowing what the new card was like. XXXX assured me that I could close the account within 60 days of the fee being charged and receive a full refund. 
When I received my new Elan Financial serviced Visa card in late XX/XX/XXXX I contacted them and they again assured me that I could cancel the card and receive the fee refund if I was not satisfied. 
I contacted Elan last week to ask about my card and ended the call assured that the account would be closed and that I would receive a refund of the annual fee. 
Today, XX/XX/XXXX, I am speaking to Elan and they advised that the account was closed but that they have no record of promising me a fee refund, nor that it is in process. 
Last spoke to supervisor XXXX  who advises she is unable to offer a refund at this time.
Consumer complaint received 2022-08-17
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. (IA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1682 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 furnishings a account without my written instructions.
Consumer complaint received 2023-03-10
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. (MS)

I went to a XXXX dealership they told me they would run my credit for XXXX but ran my credit XXXX times i did not authorize them to do that XXXX XXXX Bank 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 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-10
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. (OH)

I received a notification today from my credit bureau regarding a collection that went on my credit profile. I did not do any business with this merchant. This account is fraudulent or belongs to someone else. 
please remove this fraudulent account from my credit report. 
XXXX XXXX
Consumer complaint received 2018-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC (OK)

on XX/XX/18 XXXX  XXXX pulled funds from my bank card they did not have permission to pull from. I contacted XXXX with the collections dept and informed her and they stated they would refund the card and that she would be in touch with me after the refund took place to set the future payment plan. On XX/XX/18 i received a call from her stating a payment needs to be made today as my pay date is tomorrow. I told her whoa you just contacted me and want a payment. She stated i called you on XX/XX/18 and you didnt return my call. I stated ok you never left a message and im not going to awnser a number i dont know. She said well the phone works both ways XXXX so dont come at me like that. She said hold on im gon na send you to the general manager. I forgot his name but he was rude. Stated he would send this to my bank as a fraudulent transaction. He stated he would require payment now and he wasnt going to play games with me and this will be handled man to man. He was one of the rudest people i have ever encountered on a collection call
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc (TX)

Struggling to make payment. i have had loss of income due to covid-19. i reach out to Mid America mortgage for a forbearance or payment plan and the rep dismissed me and told me they are going to foreclose and i will not be approved. I also sent in a request for mortgage assistance detailing hardship and still no payment plan forbearance. predatory servicer focused on foreclosing
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I received a letter from a debt collector Lawyers Office stating that I had 30 days from receipt of the letter to validate the alleged debt. I have replied to the Lawyer 's Office, My document is attached.I would like for the those stated as the RESPONDENT in my Notice of Dispute to respond to the dispute letter from me.
Consumer complaint received 2023-03-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (IL)

The MMC company is sending me letters in the mail about a debt I do not have with them. I closed out an account with my original creditor. This MMC company calls me every day and leaves me voicemails. I do not owe them anything.
Consumer complaint received 2018-09-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (GA)

1. APPLIED FOR A MORTGAGE REFINANCE 2. PROVIDED LENDER WITH ALL REQUESTED/REQUIRED DOCUMENTS 3. LOAN REFINANCE WAS APPROVED 4. PROVIDED A VOIDED CHECK TO CLOSING ATTORNEY AT CLOSING 5. WAITED THE LAW REQUIRED THREE DAYS RIGHT OF RESCISSION 6. FUNDS WIRED INTO ACCOUNT 7. USED SOME OF THE FUNDS 8. 24 HOURS LATER RECEIVED A CALL FROM CMG THE MORTGAGE COMPANY THAT THEY'VE MADE A MISTAKE ON THEIR END AND REQUESTED FUNDS BACK 9. THEY REPORTED TO MY FINANCIAL INSTITUTION THAT THE WIRED FUNDS WERE STOLEN FUNDS 10. MY FINANCIAL INSTITUTION FROZE OUR ACCOUNT
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (PA)

I have had this credit card for several years. On my last statement they showed a total balance due of {$3000.00} which I decided to PAY IN FULL BEFORE THE DUE DATE. When I went on line to check my account, they claim I owe them an additional {$50.00}. When I called to complain, they said it was accrued interest.How does one one get the bill paid up if there is always going to be accrued interest?
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I would like to request my personal information to be updated correctly. I choose to opt-out of all pre approved credit card ads and insurance promotional screenings. 
My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. I am Self Employed Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

In accordance with the fair credit reporting act, the list of accounts violated my federally protected comsumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowingly or has reasonable cause to believe that the information is incorrect.

There are inconsistencies in my credit reports and want this incorrect information deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (DC)

A formal dispute and validation request was mailed via certified letter to NRA Group , LLC dba National Recovery Agency on XX/XX/2019, requesting the following information : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Whether NRA Group , LLC dba National Recovery Agency is licensed and authorized to collect debt in the District of Columbia. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

NRA did not respond with any of the information requested above.
Consumer complaint received 2019-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

This account is a result of identity theft and is not mine. It was fraudulently opened with the original creditor and I am now being harassed. This collector has received a copies of legal documentation from the credit bureaus confirming the account is a result of identity theft, yet they are still contacting me. I attempted to call them however the representative I spoke to today was rude and condescending. They are of no help and are attempting to collect on an account that is fraud.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2019, I went to the ATM machine at the Santander Bank in XXXX, NJ for a withdrawal. On the first try they told me I had the wrong pin. I called XXXX and they told me it was the right pin. I tried again it would not work and my card was kept. When I went into the bank they would not return my card. they don't have to give me the money that I asked for, but they have no right to keep my card. I called XXXX again and they assured me the card was OK. 
Why is a bank allowed to keep my card which is my property.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

Credit Collection Service representing The XXXX XXXX XXXX. has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2018 Amount {$140.00} The XXXX XXXX XXXX.
Consumer complaint received 2019-09-11
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. (GA)

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX  # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on TransUnion. XXXX  is only reporting the same collection on TransUnion and not the other bureaus. This is a violation and it needs to be removed.
Consumer complaint received 2019-09-11
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: Experian Information Solutions Inc. (TX)

Hello, my name is XXXX XXXX and I am a victim of I.D . Theft. I submitted a dispute to the major 3 Credit Bureaus ( XXXX, XXXX and Experian ) about a fraudulent account appearing on my Credit Report.They did not dispute the account in question, which should have been disputed : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amount : {$330.00} Instead they disputed the 2 valid accounts that belongs to me, which should have never been placed under dispute, the 2 below : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} I have presented to you the same information I presented to them, and as you can clearly see that I didn't file that dispute and the mistake was intentionally made. I ask that the 2 above referenced accounts be placed back on my credit report with all 3 Major Credit Bureaus, I have contacted XXXX with XXXX XXXX XXXX and she said the accts. will be placed back on there, and the fraudulent account opened on XX/XX/2013 will be removed.
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Acceptance Company (PA)

I paid the bill months ago on the commercial acceptance website. They keep sending bills and calling. Today I called them and XXXX SCREAMED at me and I hung up on her. She wants proof of payment but does not give instructions of how to do it, instead screams at me. Not helpful at all and this is harassment!
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants' Credit Guide Company (IL)

XX/XX/2019 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : MERCHANTS CREDIT GUIDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX Balance : {$150.00} Dear MERCHANTS CREDIT GUIDE, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other state/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.

2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IL)

My wife passed and had accounts with Chime. I notified them of the death and sent all proper documentation. 
They said it would take 10-14 business day to process and refund the money I contact them starting XX/XX/year> and finally they accepted all data XX/XX/year>. it took them 4 days to respond saying they finally accepted the documents. 
Starting XX/XX/XXXX XXXX emailed them every day asking for update on funds return. Finally on XX/XX/XXXX they responded, below is the response. 

" It's me again, XXXX and I am reaching back to you regarding your mother 's closure check. 

I already received an update from our bank partners and it mentioned that they had that check return to them due to an entry error in the address. Rest assured that it has been mailed out again and you should be receiving it in the near future.

My sincerest apologies for the inconvenience and I appreciate your unwavering patience regarding this matter.

First they dont even remember this was my wife and calling her my mother.

Then as of today no funds have been received The amount owed is {$2500.00} USD I have sent a request and it has gone silent and no response.
Consumer complaint received 2022-07-16
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. (OH)

Have disputed XXXX XXXX XXXX  accounts With equifax they keep marking them verified after 3 days these XXXX accounts do not belong to myself. There is no way these accounts have been or can be verified that they belong to me
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

XX/XX/19 i called citizens bank to close 2 savings and 2 checking accounts on  XX/XX/19. they said they could close 3 accounts but one had a debit that a  deposit was needed to clear. i deosited the money via eft while we were talking. i was supposed to recieve an email notice saying the accounts were closed. 

i called back XX/XX/19 to close the last of the 4 accounts and it had another debit which i then had to make another deposit to correct. also 2 of the 4 accounts had not been closed which they said they had the previous call. again was told that the 2 accounts were closed and i would recieve confirmation. 

called again XX/XX/19 and was told all accounts were closed but i still do not have any email or other confirmation from them that my accounts are closed