davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (GA)

In XXXX of XXXX I contacted XXXX XXXX to restart services on equipment that I had. When I contacted them, they informed me that I owed them {$XXXX} for services that was already started ( and now in arrears XXXX XXXX, XXXX, XXXX of XXXX. I had canceled service XXXX of XXXX. They told me that the services were suspended in XXXX of XXXX and would automatically restart 3 months later. I told them I was told that it was suspended to auto start in 3 months. I told them that is the way I remember it. I said I could not pay that and wouldn't pay it because I was not informed that the service were restarted. They said to send their equipment back and they would close the account and remove the amount. They didn't and since they refused to remove XXXX and I refuse to pay it, they have sent it to a collection agency. I reported to the collection agency the situation, then they move the account to another collection agency, explained again. Now I am done explaining. 

I am never going to pay it. XXXX should show I was an excellent customer for years until this. I will never recommend them to another potential customer. If I owed it I would pay it. It is a matter of principle.
Consumer complaint received 2017-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (AZ)

I am a victim of identity theft. Someone stole and used my personal information and got a state drivers license with my picture on the license and a date of birth of XX/XX/XXXX to open up a U.S. Bank Visa/XXXX credit card account. I was incarcerated and I never applied for a U.S. Bank credit card. The account was opened up fraudulently and unauthorized.
Consumer complaint received 2023-01-18
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. (CT)

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NV)

My Citi bank XXXX XXXX  was suddenly canceled out of the blue on XX/XX/19. I had accrued a reward certificate worth {$630.00} which was scheduled to be disbursed on XX/XX/19. 
I had called on XX/XX/XXXX and spoke with a representative named XXXX who assured me that the certificate would be issued as planned and that there was nothing to worry about. 
I called again on XXXX and spoke with XXXX who said the same thing adding that there is a 7 day lag at times. 
Finally, I called today, XX/XX/XXXX and the people I spoke with said that I will not get the rewards since my account was canceled! 

I believe they canceled my account to not pay this reward certificate and I am very upset about this and want it fixed, even if they refuse to reinstate my account, withholding the rewards certificate is totally unacceptable.
Consumer complaint received 2018-03-23
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. (TN)

The following information XXXX XXXX is reporting on my credit report is false and inaccurate. 

1. TransUnion is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My XXXX XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
2. TransUnion is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID. 
3. TransUnion is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 
4. This account is not in XXXX XXXX Bankruptcy. TransUnion must only report the current condition of the account.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 2 Late Payment in XX/XX/2016!

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-18
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. (AZ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

ON XX/XX/2019 AN UNAUTHORIZED WITHDRAWAL IN THE AMOUNT OF {$50.00} WAS TAKEN FROM MY CHECKING ACCOUNT TO PAY A SAFE DEPOSIT BOX AT XXXX XXXX. IN THE FIRST PLACE I HAD ALREADY CLOSED MY SAFE DEPOSIT BOX AND SATISFIED PAYMENT A YEAR AGO. I DID NOT WHATSOEVER AUTHORIZE XXXX XXXX TO DEBIT MY CHECKING ACCOUNT. THIS IS A VIOLATION TO MY PRIVACY. I HOPE CFPB WILL RECOGNIZE THIS HAS A PRIVACY ISSUE AND TAKE ACTION. IF ANY BANK IS AUTHORIZED TO ENTER OR TAKE MONEY FROM A CUSTOMER 'S ACCOUNT, HOW SAFE ARE WE? I ALSO DID NOT AUTHORIZE BANK OF AMERICA TO LET XXXX XXXX DEBIT MY  CHECKING ACCOUNT. THIS IS THE THIRD TIME WE HAVE TRIED TO SUBMIT THIS COMPLAINT ( BY PHONE ) AND WAS TOLD CFPB WOULD U.S. MAIL A FORM AND IT'S BEEN OVER MONTH AND WE STILL HAVE NOT RECEIVED ANY INFORMATION. I'M HAVING MY DAUGHTER HELP ME SUBMIT THIS COMPLAINT ONLINE BECAUSE I WAS TOLD IT WOULD BE QUICKER. I STILL BELIEVE A FORM SHOULD HAVE BEEN U.S.MAILED TO ME. GET THIS RESOLVED.
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Accounts Group, Inc. (TN)

I have been paying my child support faithfully every month, but my child 's mother has moved to another state and there was a miscommunication between the State of XXXX and the State of XXXX   that I have not been able to resolve. I have now been sent to collections for child support that I have paid. I have included a payment letter from the State of XXXX from XXXX, XXXX to XXXX, XXXX that proves that I have been paying over {$2000.00} a month in child support. 

XXXX ; XXXX  and XXXX are also reporting this item on my credit report.
Consumer complaint received 2022-08-19
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: ATLANTIC HOME LOANS INC. (NJ)

We have tried to remove the fraudulent mortgage account from our credit profile but the credit bureaus ignore all requests and demands. 

i nor XXXX XXXX did not nor ever gave consent to XXXX XXXX XXXX XXXX XXXX XXXX nor XXXX  XXXX XXXX nor XXXX XXXX nor Atlantic Home Loans, to use our names, images nor likeness nor consent to forge a Signature and take our identities in attempts to pass along fraudulent, unverified security instruments. there is a scheme currently in place to unlawfully attorn property from us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX all parties are with knowledge that no mortgage, loan, promissory note were ever signed by XXXX XXXX XXXX XXXX XXXX yet all parties contend on proceeding with attempts to foreclose our property and use our identities and forge signatures purporting to be ours. these parties are in direct violation of 18 U.S. Code ss. 1028 ( a ) ( 1-8 ) & 18 U.S. Code ss. 473
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (FL)

On XX/XX/XXXX I spoke with " XXXX '', a representative for Statebridge Company, regarding the fraudulent placing of forced placed insurance on my property. I was informed by XXXX and a Team Leader, " XXXX '', that a check was sent on XX/XX/XXXX to reimburse me for the total amount I was wrongfully charged, beginning in XX/XX/XXXX thru XX/XX/XXXX. It has now been 15 days since Statebridge allegedly sent payment for reimbursement and to date, no payment/check has been received by me. In addition, Statebridge has not formally notified me in writing of this ongoing issue and how it plans to remedy their false assessments for forced placed insurance.
Consumer complaint received 2019-02-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

On XX/XX/XXXX someone whom said she was calling from ace cash express called my husbands cell phone to ask if he knew me, the number that called him was XXXX ( the number that she gave him for me to call was XXXX ) he said yes and they told him to write down their telephone number and a case # and make sure to give it to me. He called me and gave me the info. I called this number and this woman named XXXX said she was part of the legal dept and she is trying to collect a pass due balance on a loan I had. She wanted me to give her my debit card info so she can set up a payment arrangement. She said my debt was transferred to two different debt collections companies and there is a pending lawsuit against me, so I told her that she needs to send this info in writing to me because if it was transferred to diff companies to collect why haven't I received anything, after all they have my address. I also told her that I was on my states website where you can view court cases if someone is going to sue you it would be listed there, and I told her I don't see any lawsuits so nothing she is saying is making any sense, she then raised her voice to me and said, if I didn't settle my debt with her over the phone someone would keep calling my relatives about this debt and someone will come to my job and put me in handcuffs. I said to her, well if you say I owe this debt, just put it in writing so I will know your are not a scammer she then said police are coming to my job to arrest me in the next few days and hung up
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

I paid my account in full on XX/XX/XXXX. I received a bill due XX/XX/XXXX for interest charged on XX/XX/XXXX. After I paid my account in full. I called and tried to get a customer service agent to resolve it. He refused I asked to speak to a supervisor I was transferred to XXXX at XXXXXXXX XXXX on XX/XX/XXXX and she refused as well.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-19
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. (TX)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my credit report. 
XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil liability for willful noncompliance [ 15 USC 1681n ] Also, some of the above accounts arXXXX XXXX  years old or older.. 
Texas and Federal Law *Section 16.004 of Texas Civil Practice and Remedies Code. 
THE STATUE OF LIMITATION ON A DEBT IN TEXAS IS FOUR YEARS *Section 392.307 of Texas Finance Code THIS SECTION OF THE LAW INTRODUCED IN 2019, STATES THAT A PAYMENT ON THE DEBT ( OR ANY OTHER ACTIVITY ) DOES NOT RESTART THE CLOCK ON THE STATUE OF LIMITATIONS. 
THE ACCOUNTS 4 YEARS OR OLDER MUST BE DELETED IMMEDIATELY.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

asked why the fees to servicing the loan was so excessive, and at the time i could not pay all of my loan amount because of my pay, they would not accept a lower payment. 
At the time i lose my home and my job., so paying them was out of the question.
Consumer complaint received 2018-08-28
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. (LA)

This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to XXXX  and Experian. After challenging the validity of the account I received feedback from XXXX on XX/XX/2018 which stated that the account was being deleted from my XXXX   account due to being unable to very this debt with an original instrument of indebtedness. Experian has stated that the account was verified and updated the status to paid, however they have failed to provide this original instrument of indebtedness. My concern is that the company could not provide this for XXXX, but somehow provided it for Experian. It is my belief that Experian is utilization information from a third party to validate this debt and without this documentation actually being provided. In a recent review of my credit report I see that this account was in fact not deleted from my XXXX and still remains in a negative status which is negatively impacting my score. The account in question does report to Experian as being paid status, it does however have a negative payment history which directly impacts my ability to purchase a new home.
Consumer complaint received 2018-08-28
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. (PA)

When my vehicle was repossessed in XX/XX/2017 the remaining balance was {$8000.00}. This balance was reported to my credit bureau reports by XXXX. It is the law that the towing company is not to disturb the peace when coming to pick up the vehicle. The whole time the towing company was here which was at XXXX XXXX and for at least 15 minutes as they were struggling to secure the vehicle, they had their high beams shining in my neighbors window. In addition, they banged down my door as hard as they possibly could for a good amount of time. The two guys from the towing company furthermore were extremely rude not that I expected anything more. They are supposed to give you the opportunity to get your belongings out of the vehicle before taking it which they did not do, instead they peeled wheels and sped off again disturbing the peace. The towing company was at least an hour from where we live which we feel was XXXX being vindictive towards us. My wife and I had to schedule an appointment to come and puck up our belongings from the vehicle. When we got there we found all of our stuff in a trash bag very carelessly thrown together and therefore as a result a lot of our stuff was broken/damaged. There is a law in place which states that we are to be notified of the time, as well as place that the vehicle will be auctioned in the event my wife and I wish to participate in it. XXXX neglected to notify us of this information. I instead received a phone call from a collection agency collecting on behalf of XXXX for the amount that was owed at the time of repossession. I asked the representative if the vehicle had been auctioned off and I was informed that in fact it was. I advised the representative from the collection agency that it is the law that XXXX is to notify me of the time and place of the auction and she agreed with me. I asked to speak with the supervisor of the collection agency and in formed her of my situation. The supervisor thought something very suspicious was going on and she was going to investigate the matter as to which I expressed my gratitude for. I told her I also wanted to know how much the car sold for at auction. I eventually heard back from the supervisor who advised me that the car sold for {$17000.00} which covers my remaining balance and then some. I was advised by the representative that I still owe the {$8000.00} which she did not feel was justified but that it was just what XXXX was informing her. I have tried to no avail to dispute this with all three credit bureaus numerous times. I have also spoken with the executive office of XXXX, they will however say anything and everything to make their actions/claims appear valid.
Consumer complaint received 2019-04-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mid-Atlantic Finance Co., Inc. (TX)

Our car loan was originally with XXXX XXXX. XXXX XXXX sold the account to Mid Atlantic Finance Company. Since the transfer, we have had the following discrepancies : 1. Balance due from transfer is in question.

2. We have requested a statement or some document showing how they are calculating interest to determine amount owe, including any past due amounts and have been denied.

3. We get 3-4 collections call per day from someone named XXXX.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (FL)

I want to report Wells Fargo today as I've had some issues with XXXX $ fees hitting my account due to them allowing funds to be charged even though the account doesn't have funds to cover the charge .. I've spoken to XXXX  In the executive branch that North Carolina, which without being asked attempted to give me some needless advice that I never requested or asked for and tells me that I am wrong very rude interaction with whats supposed to be the department which helps you with this type of issues, my transfer were being denied, therefore I've tried 2 days in a role to fix the issues. Also attempted to fix issue again and spoke with XXXX in the center over in the XXXX which she rudely handled the matter as well, and also we did not carry a productive or positive conversation did not follow through with what I was talking about and would talk about something else other than what I was saying. 
VERY SCAMMER LIKE ACTIVITY GOING ON WITH THIS BANK. I STRONGLY SUGGEST THAT THEY TURN THIS OFF, AS IT BEING PORTRAYED LIKE HELPING SERVICE WHEN IS NOT, IF YOU DONT CURRENTLY HAVE FUNDS IN ACCOUNT NOTHING SHOULD BE ALLOWED TO PROCESS, SPECIALLY IF THEY ARE GOING TO CHARGE YOU {$35.00} FOR THAT.
Consumer complaint received 2019-02-13
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. (FL)

In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX XXXX  /ACCOUNT NUMBER XXXX .... The information is incorrect and should be corrected to no late payment.