davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter
Consumer complaint received 2020-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

A month ago I was made aware that I had XXXX outstanding late payments from a student loan. This loan had outdated information and I did not receive any of the late notices. I had to recover my password for the email account they had on file in order to reopen my online account with them. This loan also did not appear in any of my credit reports I routinely access to for some reason. I paid off the loan as soon as I was made aware of it. All the other student loans have been able to contact me and I have received timely information about them. I even opened a repayment plan for all my student loans and this particular loan was missing from that list. This company, Heartland ECSI, did not. After I paid the loan in full, including all late fees, I requested the company to remove the late payments from my credit report since I did not have access to any of the notices about the payments. The company did not accept my request, in fact, they did not even consider it and they denied my right to speak to another person that could have the authority to help me with this. The customer service representative refused to transfer me to speak with somebody else and also refused to answer my questions clearly. It is my understanding that because I paid the loan in full already, they're refusing any other help with this account as well as my right to dispute the unfair late payment reports.
Consumer complaint received 2020-11-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (UT)

I was receiving my unemployment benefits on the us bank relia card and I wish I could be more exact about dates but unfortunately us bank once the hold was put on my card they denied me access to my account all together online. I think the last time I was able to use the card was XX/XX/XXXX since then they will not give me my money back. I have faxed them my XXXX taxes, picture ID & social the first time. They said they needed more so to log into verify.usbank/retail which I did and take a photo right there of my ID which my hair was red and the ID broken and a selfie. Which my hair is blonde now so they said they couldn't Verify so therefore there was nothing they could do. I asked the lady what about my XXXX $ I saved and needed that especially during these times and she said it shows it's there but my account will never be active again. I then asked for a check or transfer of some sort that they couldn't just keep my money and they said to call my local health dept so I did in Utah and was on hold for 2 hours just for that lady to tell me that they paid the money to the bank therefore it is not in the hands anymore and to get ahold of bank.. so I just would like to. Be pointed in the right direction as to how I get my money that was from unemployment during these rough times? Please help
Consumer complaint received 2021-03-08
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. (TN)

These accounts do not belong to me. XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX.
Consumer complaint received 2019-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018, I was in the middle of a two week stay on the island of XXXX XXXX XXXX in XXXX, during which I did not leave the island. That day, someone without my knowledge or permission somehow withdrew {$400.00} using my pin from an ATM over 30 miles away in the mainland town of XXXX. After reviewing my transactions, I noticed the amount missing and made a police report with local authorities after leaving the island. When I returned to the US, I  notified Bank of America as I could not reach them while overseas. 

BOA sent me a letter in XX/XX/XXXX denying my claim. When I called them, they said I needed to submit additional proof in the form of a police report in order to approve the claim. I provided the documentation provided to me by the local XXXX police. Once again, I was sent a letter denying my claim. This time when I called, they said the documentation still not good enough, and now needed proof that I was not in the vicinity where the withdrawal was made. I provided the XXXX receipt of my stay on XXXX XXXX XXXX, which they told me would be adequate. I again was sent a letter denying my claim. This time when I called, they said that because I was staying in the same country where the withdrawal was made, they would not approve the claim. Exasperated by this point, I told them that my next stop was the CFPB.
Consumer complaint received 2022-10-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (CA)

I paid off my loan in full on XX/XX/14. The company then continued to remove funds from my bank ( ~ {$320.00} ) after I had received notice that I had paid off my debt.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (MN)

I would Like to file a complaint on Discover card my son had opened up a credit card in my name Once I found out that a card was open up in my name filed a police report with my local police I did n't send the copy of the report to Discover due to the fact that I went ahead and Paid the card Office. Now Discover card is refusing to removed the Negative information from each of my credit File after sending them a copy of my police report. per the FDCPA / FCRA Consumer protection I feel that Discover card is in full violation of the federal Law I will be hiring XXXX Law Firm for Legal action if this matter is resolved
Consumer complaint received 2020-11-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service Company, INC (TX)

ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX.COLLECTION COMPANY NAME. CREDIT SERVICE. DATE OPENED XX/XX/2019 WITH COLLECTION. FIRST REPORTED XXXXORIGINAL BALANCE : $ XXXX.RECENT BALANCE {$1400.00} AS OF XX/XX/XXXX.THIS COMPANY CONTINUES TO REPORT ON ALL THREE OF MY CREDIT REPORTS INTEREST ON THE ORIGINAL AMOUNT $ XXXX.THIS IS A MEDICAL BILL, NOT A LOAN. THEY CAN'T ADD INTEREST ON A MEDICAL BILL. I'VE DISPUTED THIS SAME ACCOUNT MULTIPLE TIME WITH THE CREDIT REPORTING AGENCIES. THE DISPUTE PROCESS IS SUPPOSE TO BE 30-60 DAYS FOR VALIDATION TO BE DONE. I'VE DISPUTED THIS AGAIN A COUPLE OF DAYS AGO AND IT HASN'T BEEN 30-60 DAYS. I RECEIVED A MESSAGE ON MY CREDIT REPORT WEBSITE THAT REPORTING AS ACCURATE INFORMATION. IT'S LIKE THE CREDIT REPORTING AGENCIES ARE NOT DOING A FULL INVESTIGATION. I WANT THIS REVIEWED AND REMOVED FOR INACCURATE REPORTING WITH XXXX  THE ORIGINAL CREDITOR AND THE COLLECTION AGENCY CREDIT SERVICE.THANKS.
Consumer complaint received 2018-04-24
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. (MO)

All 3 credit reporting agencies are reporting fraudulent inquiries on my credit report inwhich through its investigation determined that the accounts wasn't mines and deleted most, all but the inquiries inwhich is brutally affecting my score. My information has been breached with the XXXX breach. I did not authorize these inquiries for neither one of these dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

There's unverified collection accounts that's reporting on my credit report inwhich neither credit agency physically verified, in accordance to the FCRA, each account should be verified snd send consumer an physical account. However, if this is not provided then the accounts should be removed. I have no knowledge of these collection accounts dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Convergent Outsourcing is attempting to collect a debt on behalf of XXXX. when I reached out to XXXX to inquire about the debts removal, they informed me, that I don't have a debt with them. There records show I closed my account in XX/XX/2018. The debt didn't appear on my credit until XXXX this year though.
Consumer complaint received 2020-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2020 I received a letter from BofA stating that if I paid for a appraisal and my LTV was 80 % or below I could cancel my PMI. I sent in the required documents and a appraisal was done. I received another letter dated XX/XX/2020 that they had received the appraisal and my request to cancel my PMI. ON XX/XX/2020 I received a letter stating my XXXX needed to be 75 % before I could cancel my PMI. This is a primary residence and it should be 80 % XXXX. I'm currently at 78 %. I have contacted them on several occasions with no help.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2022-10-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (CA)

I applied for a loan for a car on XX/XX/2020 with XXXX XXXX XXXX, who in turn used Exeter Finance LLC as its assignee to finance the loan. Upon discovery that there was no cash or payment to be owed on my current contract ( as stated on Pg. 4 section 2c bullet points 4 & 5 ) with Exeter Finance LLC they have since denied me my right to cancel the current contract with them for a misleading contract that they are the assignee of, charged off the vehicle, reported the charge off to the credit reporting agencies, attempted to repossess the vehicle, had a private investigator follow me, and denied return of my credits, payments, & title of the vehicle. While calling my allegations fraudulent and ordering me to cease and desist from contacting them about the matter.
Consumer complaint received 2020-11-09
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. (IL)

CREDIT BUREAUS REFUSING TO DELETE UNAUTHORIZED FRAUD ACCOUNTS FROM MY CREDIT FILE. THEY ARE INDICATING THEY CONTACTED CREDITOR AND I CONTACTED CREDITORS AND THEY INDICATE THEY NEVER SPEAK TO BUREAUS ON COMSUMER FILES. THEY ARE UPDATING INFORMATION IN=STEAD OF REMOVING ACCORDINGLY.
Consumer complaint received 2020-11-09
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. (IL)

CREDIT BUREAUS REFUSING TO DELETE UNAUTHORIZED FRAUD ACCOUNTS FROM MY CREDIT FILE. THEY ARE INDICATING THEY CONTACTED CREDITOR AND I CONTACTED CREDITORS AND THEY INDICATE THEY NEVER SPEAK TO BUREAUS ON COMSUMER FILES. THEY ARE UPDATING INFORMATION IN=STEAD OF REMOVING ACCORDINGLY.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: First National Collection Bureau, Inc. (IL)

I was contacted via mail from First National Collection Bureau , Inc stating that I had XXXX collection accounts for XXXX credit cards that I never opened. I called the number listed on the letter that I received and proceeded to give my personal information ( name, address, social security number ). They attempted to tell me to that I would have to pay XXXX a month to resolve the debt of over XXXX.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (WI)

XX/XX/2022 contacted chime to report XXXX XXXX chime card was stolen. XXXX is detained. XXXX filled out POA for finance so XXXX XXXX could resolve stolen chime card issue. On XX/XX/XXXX XXXX XXXX contacted Chime on Behalf of XXXX XXXX. XXXX XXXX provided proof of POA for finance. Requested account be frozen. Chime Requested photos of XXXX XXXX and XXXX XXXX to prove that he is POA for finance. XXXX from Chime member services replied. We have copies of email and copies of documents sent to Chimes fraud department. Thursday XX/XX/XXXX XXXX sent Email to fraud department because he had been trying to freeze account since XX/XX/XXXX when it was discovered that someone stole XXXX 's Chime card. XXXX emailedthem regarding {$3600.00} was stolen since we attempted to report the chime card was stolen..XXXX thanks XXXX via email and stated they would follow up. XX/XX/XXXX once again XXXX emailed to provide proof of POA for financial per request of chime. XX/XX/XXXX XXXXXXXX from chime Requested photos of XXXX XXXX and XXXX XXXX and copies of POA. Copies of POA and photos submitted. XX/XX/2022 XXXX member services specialist thanks XXXX and stated that they would review the documents. XXXX XX/XX/2022 XXXX contacted XXXX. He is from the chime escalation team. We want XXXX 's XXXX $ returned. We want a statement of charges to give to the police.
Consumer complaint received 2018-02-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services (DC)

Mercedes Benz sold me a vehicle XXXX. The car did not last according to the contract. Mercedes did everything in its power for me not to own the car outright. I paid or financed XXXX for the car, I was down to XXXX owed for the car, before it was repossessed. XXXX tried to collect XXXX for the car after repossession ; in which, I do not have and filed on my credit report. I paid Mercedes cash. MercedeXXXX failed to ensure motor vehicle safety and provide passenger motor vehicle information from all information systems, including about prior owners and incidents.
Consumer complaint received 2020-11-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NY)

I received a letter from XXXX XXXX on XX/XX/XXXX in regards to a debt owed by a previous rental company XXXX XXXX for the amount of XXXX, looking over the amount I disputed this debt for incorrect amounts based of what I was told by the property company I thankfully still had text messages from the property companys VPN with statements proving what I would owe, I gave Hunter Warfield that documentation via email from the property company XXXX XXXX which shows it was not reflective to the amount stated. I contacted Hunter Warfield by phone on XX/XX/XXXX disputing the debt, emailed them the information I had. 
I called the collection agency to verify they had received my email and they confirmed they had and I should hear back in 2 weeks from XX/XX/XXXX. 
On XX/XX/XXXX I tried calling Hunter Warfield to check the status of my debt and was disconnected after the language prompt. I attempted to call several times with the same issue, I then sent Hunter Warfield support services an email on XX/XX/XXXX in attempt to communicate and explained the issue I was having reaching them by phone. With no response, I did mail them a letter on XX/XX/XXXX again disputing this debt to have it in writing. 
I received a letter XX/XX/XXXX dated from Hunter Warfield for XX/XX/XXXX again verifying the debt owed with no other communication stated and far as my dispute. On the front page of the letter is the number to contact a XXXX XXXX at XXXX when I call the number I am again hung up on after the language prompt. 
I am unable to get into contact with this agency and this agency isn't making an attempt to address my dispute after several attempts by phone, email and by mail.
Consumer complaint received 2020-11-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners (AZ)

I contacted XXXX  about the debt and disputed it many times. The paper work on the debt seemed shady to me. The bill we supposed to be covered by XXXX XXXX in Texas. I see know charge of date in the paperwork. It looks the bill is un clear. I contacted the collector and informed and be keep telling me wrong dates and making up what thing mean on the paperwork.
Consumer complaint received 2019-06-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I have already told conns I will make payment by a certain date. They continue to ask for payment. I have been receiving anywhere from 8-15 calls a day. They also email me several times a day to try to collect on the payment. Today I have received 15 calls already and 3 emails stating I need to make arrangements when a date has already been given. I refuse to make post dated payments because they always try to run payment the day Im setting up the arrangement causing me to overdraft and incur fees from my bank. This has been going on for over a month!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I urge you strongly to address and rectify the unauthorized accounts that have appeared on my credit report. These entries are negatively impacting my creditworthiness despite my lack of association with them. Please ensure their swift removal and take preventive measures to avoid similar errors in the future.
Consumer complaint received 2022-10-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Fraud Alert - Misuse/theft of California Mortgage Relief Program {$22000.00} plus which was a monetary award to CATCH UP ON MY MORTGAGE PAYMENTS. 

all the attachments are self explanatory monies went all over the place and funds were clearly not used for back mortgage payments payments went up XX/XX/2022 for no reason, no notice, from {$2200.00} to {$2700.00} XXXX per month then latest statement had fees and charges that should not have been charged throughout waiting for approval award {$3200.00} ( 6 months ) defrauded from California Mortgage Relief Program my monthly payments should have went down as a property tax exemption was approved Please note this about the 5th complaint against this lender and results only come with CFPB involvement and in this case I have also advised California Mortgage Relief Program that their funds/award to help me was miss-managed by the lender ( LoanCare LLC ) My property tax and homeowners insurance is included in my monthly mortgage payments to include any shortages also come out of the monthly mortgage payments as there is money left over, after principal, interest, insurances ( 2 ) not to ding me like this, I truly hate this lender they have also blocked me out for when I send them emails, they no longer send me a receipt as received what happened to the unapplied balance???? 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is reporting a number of inaccuracies on my credit report. 1. The High Balance differs between all three Major Credit Bureaus. 2. The Date of Last Activity differs between all three Major Credit Bureaus. 3. Date opened differs between all three Major Credit Bureaus. 4. Account Rating differs between all three Major Credit Bureaus. 5. Account Status differs between all three Major Credit Bureaus.
Consumer complaint received 2020-11-09
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: BARCLAYS BANK DELAWARE (NY)

Order two spin bikes. Never received them, trucking company damaged them during shipping and returned them to shipper. The credit card company XXXX is charging me {$500.00} for canceling them I did not cancel them they never made it to me. Shipping company imaged them and returned them to shipper. Company said they cant send replacement they dont have anymore.