davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (NC)

TODAYS DATE : XX/XX/XXXX ATTENTION XXXX XXXX XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m (  f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person XXXX company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such  repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PERFECTION COLLECTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX LOOKOUT XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NC)

I seen this company on my credit report Diversified Consultants and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX, I received multiple transaction alerts for charges I did not do. On XX/XX/XXXX only one had posted so I filed a dispute through USAAs application. They issued me a provisional credit while they researched the claim. On XX/XX/2019, I was informed via email that the investigation was complete and it was found that the fraudulent activity did not occur. The " evidence '' they provided to me was 5 pages and included the following : 1 ) Acquirer Allocation Pre-Arbitration Questionnaire 2 ) Merchant Response 3 ) Vivid Seats Cancellation Policy 4 ) ACM Purchase Details 5 ) Proof of Delivery The proof of delivery sent the product I didn't purchase to an email address other than my own. And the vivid seats cancellation policy, under place order, has it being submitted for {$1600.00}. Luckily it didn't go through for that amount and only went through for {$180.00}. The compelling evidence they found was that the CVV was used in the purchase which according to them " ... indicates that the card used to make this transaction was fully authorized, and the further attached evidence indicates the methods in which the purchase was delivered to the cardholder. '' After recieving this information I reached out to USAA to get a phone number to speak to someone in the fraud department. The first person I was able to get in contact with agreed with me that this was a fraudulent transaction after looking at the evidence and transferred my call to a colleague. After waiting on hold for XXXX minutes I figured the department was closed and ended the call. I called back to USAA again and got in touch with someone who said they were in the fraud department and informed me that I could contest this claim and again cited the delivery email address not being mine and and the attempted {$1600.00} charge as unusual. After getting off the phone with this representative I was convinced someone had taken this invasion seriously but I was wrong. Today, XX/XX/2019, the provisional credit issued to me has been reversed and my account overdrawn. I again reached out to USAA and was informed that the they " are not able to have this case reopened '' which means I was lied to by the two previous representatives who assisted me. 

I work in the financial industry and through this experience I have lost faith in our ability to protect consumers information and the banks themselves.
Consumer complaint received 2019-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

I have been a customer of Citibank since the XXXX 's. I had 3 Citicards for which I paid at least the amount required each month. 
In XX/XX/XXXX, I fell in my grandsons school playground and almost XXXX XXXX XXXX XXXX. 
I was not able to pay all bills involved. I paid the Advantage Card in XX/XX/XXXX, but not XX/XX/XXXX. I paid less on the Cash and XXXX cards in XXXX and XX/XX/XXXX. 
After Citi Cards Collection phone calls to my home, I went to my Branch on XXXX XX/XX/XXXX where I had a long conversation by phone with a representative from Citicards to save the Advantage Card, and to trash the Cash and XXXX Cards. 
I asked the representative to mail letters of our conversation. They were received in time to make the First payments : {$300.00} on XX/XX/XXXX done by Citi teller ( attached ) and the others Cash {$270.00} and XXXX {$160.00} on XX/XX/XXXX. All these payments to be for 5 months. 

Now that the second payment is due on XX/XX/XXXX, they invade my account website and change the terms.
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management (TX)

On XX/XX/2009 Pendleton Capital Management contacted me at XXXX XXXX. Before hours of being able to contact me concerning debt issues. The day before, I learned that they had contacted my other family members that I had not put down in the loan concerning this debt. The representative from their company is XXXX.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My credit score dropped 80 points for no reason. When I try to find out why, XXXX tells me I need to answer security questions from 9 years ago. I don't remember them from that far back. They keep trying to tell me they can't help me without them and offer me no way to reset them? I have no delinquencies on my report and owe very little on one credit card. There is no way my score should have dropped by that much. If anything with 2 inquiries that came off today XX/XX/2021, it should have gone up! I want my 80 points back!
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

Creditor is reporting late payments. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 2019-02-12
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. (NY)

late XXXX, XXXX, equifax had removed XXXX information from my credit report. Upon checking my credit report 30 days later, equifax placed it back without anything in writing. i have called and have been told there is a system issue and they claimed they removed it again in XXXX XXXX i called again and wrote letters in XX/XX/XXXX and I have been given negative answers from the system is down to the information was verified with no method of verification in writing
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

Hi, This complaint is against Citi bank. I opened a checking account and qualified for the promotion bonus. I completed all activities as per the rules of the promotion and now Citi bank is making me wait 30 more days which is was not as per rules. I also received email from Citi confirming that I met all the requirements and promotion bonus of {$400.00} will be deposited in one month. This email was sent to me on XX/XX/XXXX and till today I have not received the bonus money. When I called customer support they are saying I have to wait for 30 more days. Please help resolving this issue.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Select Management Resources, LLC (OH)

On XX/XX/2019, the company Select Management Resources attempted to contact me at my place of employment. The representative who called was advised that my work was not a an option to contact me as it is a place of business and to not contact again. The represent XXXX XXXX, a title loan company in XXXX, Ohio. XXXX XXXX was already informed prior to this communication that I had an attorney retain for Chapter XXXX bankruptcy. Select management has continued to contact my work phone number daily and has been told each time to stop calling that number and yet they continue to contact. The phone number that comes up on the caller id do not work to call back. So, they are contacting me after they were told to stop by my employer and after they were provided with valid attorney information regarding bankruptcy.
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

This is not a duplicate complaint. This company stated the following for case number XXXX-XXXX  dated XX/XX/2019. 

**The account has been marked as disputed and a deletion request will be sent to the credit reporting agencies to temporarily remove the tradeline from reporting during the Validation Period dispute. ** These amount are still on my credit reports and it has been 30 days. Below is my original complaint : This company continues to viciously attack me with no proof of any debt that supposedly stem back from XX/XX/XXXX- almost 7 years now for the amount of {$1300.00}. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XX/XX/XXXX-XX/XX/XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! I need this resolved immediately!
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO Bank, N.A. (IL)

I opened a checking account in XX/XX/XXXX with BMO HARRIS BANK. I signed an agreement that allowed me to access my account online through bmo harris 's portal. 

XX/XX/XXXX I tried to access my account using my id and password and was directed to another portal instead of my account. At that portal I was prompted to check two boxes signifying my agreements to new terms and conditions and I refused to check. When I refused to check I was not permitted access to my account online. My online account has been taken hostage until I agree to a new agreement. 

What happened to the agreement that allowed me access to my account since XX/XX/XXXX??? I contacted bmo harris and spoke to XXXX, and then to whom I was told was a manager named XXXX. Neither would allow me access to something that only twenty four hours prior I had had access to. And XXXX refused to give me any officers names in the harris organization that I could contact by calling or email, and would give no names to whom to address my complaint via snail mail. I feel like he was deliberately being unhelpful. 

Once the accounts are established through signed agreements and I am in receipt of agreed upon services, I in no way expect for those services to be interrupted until if and when I enter into another agreement. I think such behavior is bullying, intimidating, immoral, abusive, and possibly illegal. The bank has no right to XXXX XXXX, arbitrarily, change the original agreement because it suits their needs or desires, and if it does and I agreed to it then I don't have to agree to it again. 
After getting in touch with management I was told " If you feel that you can not agree to the online terms, then unfortunately we will not be able to grant online access to your accounts, however, you can still access your account information via telephone banking, branches and ATMs. '' I was also told by by the bank representatives that I had agreed to several changes in the past and that I checked agreement boxes in order to access my account. 
Those are lies, subsequent the initial agreement I have checked no other boxes to access my account, nor was I was allowed to access my account by telephone. My pin was not recognized, and when I called I was told that I had never set up a pin and had never accessed my account by telephone before, whereas I used to use the telephone service almost exclusively. This is not a dormant account, never has been and is used daily through a debit card. 
I feel I am being taken advantage of by a banking system that is possibly violating the law by such actions. 

XXXX XXXX
Consumer complaint received 2022-08-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

FIA Card Services, N. A. has placed a Civil Action Lien number XXXX, along with XXXX XXXX, XXXX XXXX A XXXX Civil action number XXXX, including XXXX XXXX, XXXX Civil action number XXXX and Civil action number XXXX against my residential property, impeding on my ability to refinance and utilize equity to foster business in the interests of my family in approximately the past 10 years. 

Their illegal action against my only property for a debt that I do not owe has continued to impose a very stringent hardship on me and family and these liens must be removed from my property with deliberate speed. 

Thank you! 

XXXX XXXX XXXX
Consumer complaint received 2019-02-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Iconic Mortgage Corp. (FL)

Misleading advertisement ( see attached ). The attached is misleading advertisement meant to get Veterans to call. There are no waiting periods based on the county in which you live through the Veterans ' VA Guarantee. Iconic Mortgage Corporation NMLS # XXXX is attempting to mislead you with this mailer.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On XX/XX/XXXX I lost my debit card with my belongings in XXXX while I was traveling and someone charged my card for a ticket XXXX XXXX ( Not Me ), the amounts of XXXX $ and XXXX XXXX I did call easy jet to complain the transactions were not made by the owner ( me ) and also my bank Huntington on XX/XX/XXXX. It has been over a month and nothing has been done. When I called my bank they said I was the parson use it. Which is a False because I didnt even fly with XXXX XXXX
Consumer complaint received 2022-03-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Patenaude & Felix A Professional Corporation (MN)

National collegant student loan has XXXX XXXX XXXX  continuing to get court orders to garnish my moms paycheck we have never gotten a summons to appear in court and it was included in my bankruptcy
Consumer complaint received 2019-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NH)

I have a 2019 XXXX XXXX. My monthly payments are {$520.00} a month. My car note is due the XXXX of every month. I made My first payment on Friday XX/XX/2019. My account was set up for auto pay at the time. My payment didnt post to the account until Tuesday XX/XX/2019. I had Called Santander Consumer USA to let them know I was paying a week early. If they can void or take off the auto pay so that way I didnt charged for a second time. I stressed It. They told me it would take a couple days for the payment to get posted to the account. I was Fine with that. On Monday XX/XX/XXXX I woke Up to a unauthorized transaction on my account after I just Had paid my first car note. So I was not understanding why this Charge was being made. I called them. I made Call after call because I was frustrated. I was Told that the auto pay was still on when it shouldnt have been. They wanted to see the transactions on my bank statement. I didnt have access to a fax machine and was told. I could Just email it over. Then I called Back again because the negative balance was still there. I had Explained to that what I was Told and they said they dont do email. Just fax. I was annoyed. To constantly have people tell you one thing then a complete other thing. On Tuesday XX/XX/XXXX they did a reversal. I was still upset because I had Money in my account that I was going to see on top of an over draft few that I had To pay. On Wednesday XX/XX/XXXX I woke Up to another unauthorized transaction. I had About {$86.00} in my account. Leaving me with a negative balance of {$430.00}. I was Furious. Ive had to keep calling to complain. I guess they retryed the payment for a second time. I had Again explained to them over and over again how I had Already made my first payment. How thWhy keep taking money from my account. Again they said they need me to send over a transaction I did. They told me theyd talk to their finance team. Ive called and called any chance I had to clear this unauthorized transaction. I was told they could see that I talked to someone who put in a referral or what it is called and said They had something pending on their end but I didnt. I checked my bank statement. During all this Im working with my bank and I cant do anything because I had to wait for them to retry the payment for a XXXX time. I cant close out the account. Not touch it. Ive had money taken out of my account I didnt have multiple times and Im being XXXX of over draft fees. I can complain over and over and over but I havent got anywhere. I was told I can file a complaint but I probably wont get any of my money back. When I told the representative I did not have a pending transaction she kept saying they needed to see a statement showing I did. But there was nothing. Im tired, Im exhausted I think I could understand if this was something on my end not so much. I just want to be reimbursed and the money they took from me. I have a list of all the transactions and everything else.
Consumer complaint received 2020-12-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2019-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

XX/XX/XXXX Affidavit of Facts Fact 1 When I requested the Bookkeeping Entries to show wells Fargo home Mortgage followed GAAP Law and the original unaltered Note and where did the loan originate, they then begin foreclosure procedures. I have a valid lien on the property as a secured party. 

Fact 2 Wells Fargo hired XXXX XXXX  XXXX XXXX XXXX XXXX XXXX they filed fraudulent papers and ignored my lien and claim to have sold the property to XXXX XXXX XXXX  on XX/XX/XXXX i went to the court house to bid on the property XX/XX/XXXX no one showed up to bid on the property. 

Fact 3 A man name XXXX claim he bought the property at auction XXXX XXXX XXXX, XXXX XXXX XXXX I haven't herd from him any more after informing him I have a lien on the property he said he would move forward if he can get clear deed and title to the property, all paperwork filed by XXXX XXXX XXXX XXXX is fraudulent the deed of sell is fraudulent if XXXX sold the property why didn't he satisfy the lien holder XXXX XXXX XXXX? 

Fact 4 I would like would like to know Why I cant get the requested the Bookkeeping Entries to show wells Fargo home Mortgage followed GAAP law and the original unaltered Note and where or who did the loan originate from?. 

Much appreciated, XXXX XXXX XXXX