davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

XXXX XXXX was awarded a Garnishment Judgment in XX/XX/XXXX. Their Collector did not attempt to collect on this Garnishment until XX/XX/XXXX. Without warning or notice. According to the ARS 12-1551 ( B ) https : //www.azleg.gov/XXXX This creditor illegally garnished wages after the 5 year period. There is no record of them filing for an extension either. I have had this garnishment taken out of my check every pay period from XX/XX/XXXX - Current. I would like this creditor to stop taking money from me and to refund all funds they have taken. Amounts varied as this was based off of my Net Earnings, not to exceed 25 % of my pay. The second Garnishment order was given to the below creditor in XX/XX/XXXX. Six Years after the original Garnishment Order. This makes this order Null and VOID XXXX XXXX is my Employer. The original Creditor was XXXX XXXX ; their Collector is : XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, AZ XXXX XXXX I would like a full refund of all of my funds that were illegally taken from me.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

Today alone I spoke with 9 Citibank staff who refused to take Fraud. XXXX hung up on me after 2.5 hours of this. Attached is cost if hotel given to XXXX, branch manager 2 months ago. I have gone on 7 times and saw XXXX, personal banker-this was 1st time notified of this. Attached is cost that XXXX, branch manager was supposed to send to fraud Dept.  But did not. Proof of cost attached.
Consumer complaint received 2015-05-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (NJ)

They asked me for personal information. i told them i dont give that over the phone. The guy told me so your not ready to cooperate hung up and called me XXXX time s in a row. I called them back and ask them to stop. he then stated that he need to verify me again. i said i dont know you and i wont give you personal info he said we ll keep calling.
Consumer complaint received 2023-07-18
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. (NY)

These XXXX reporting agencies are reporting transactions or experiences between me and creditors making the reports but its stated in the law below consumer reports does not include transactions or experiences so I want all late payments removed from my report and and all closed accounts removed as soon as possible because they are currently giving me a hardship in my life. 




15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; remove all closed accounts and any accounts that causes harm to my credit report now as on XX/XX/2023 this law below made by XXXX gives me as a consumer that right and protection from these consumer reporting agencies 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CA)

National Recovery Agency ( NRA ) opened a collection account under my name. They reported this account to XXXX  before sending me any bill. I called them and they said the debt is valid. 

I contacted NRA by mail ( right address is here https : //www.nragroup.com/contact.html ) to validate the debt, but they failed to respond me within 30 days. I attached the proof ( the certified mail receipt and the letter ). If the debt is valid why they don't answer my mail?
Consumer complaint received 2019-06-19
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AL)

Please reference CFPB Complaint XXXX-XXXX. 

Sixteen months after I discovered that Navy Federal 's removal of my name from the mortgage ( ' ... because we're not using your VA certificate. But don't worry ; nothing will change. ' ) meant that with the sudden death of my spouse in XX/XX/XXXX, access to anything about the mortgage including making payments became complicated and time consuming : NFCU finally completed the mortgage assumption paperwork after being educated by VA Loan specialists that they were legally prohibited from charging me closing costs or anything other than a {$50.00} transfer fee. 
On XXXX XX/XX/XXXX all the papers were signed and the assumption was completed. By the XXXX, everything was recorded. 
On/about XX/XX/XXXX I contacted NFCU Mortgage Department by phone and was advised by XXXX that the mortgage should show up in my online account no later than Friday, XX/XX/XXXX. 
It did not. I sent a secured message asking for the status and was advised that someone would contact me within five business days when the updating process was completed. That was on XX/XX/XXXX. 
No one has contacted me, the mortgage is not listed among my online accounts and I have no access at all now because the previous account number under my husband 's access has been deactivated. 
At least Navy Federal is consistent in their lack of timely contact and inability to process mortgage-related paperwork accurately. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Mortgage Assumption Online Access Navy Federal Response XX/XX/XXXX : Thank you for using Navy Federal 's eMessaging Service and for bringing this matter to our attention. We are currently updating your file in our records. An Assumption Specialist will contact you once this process is completed, within five business days. If we can be of further assistance, please let us know. 


Your Message XX/XX/XXXX : We completed the paperwork on XX/XX/XXXX and I received a refund check two weeks ago from the title company. 
Earlier this week I spoke with XXXX in the Mortgage Dept and she thought the mortgage should show up online by today. 
Nothing yet. 
Could you please check on the transit of the paperwork through the bowels of NFCU? 
I'd like to be able to make payments online instead of going through telephone representatives. 
Thank you.
Consumer complaint received 2019-06-19
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: Experian Information Solutions Inc. (SC)

The state of Michigan listed my child support account as not paid and sent to collections in XX/XX/XXXX and paid and closed in XX/XX/XXXX. I contacted Experian and provided a printout showing payments of {$320.00} have been made every two weeks through income withholding. I have also sent a check for {$20.00} every two weeks. This printout shows payments going back at least 6 months. The record being reported is stating that XX/XX/XXXX is when the account began, however the support agreement with Michigan was opened in XXXX. They are intentionally trying to add this to my credit file with a recent date that is incorrect. 
It is beyond any reasonable view that an account that shows a decreasing balance each month, doesn't accurately reflect the payments that are DECREASING the balance. I provided this information to Experian, yet they are still reporting the account as being a collection and opened in XX/XX/XXXX.
Consumer complaint received 2019-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

FedLoan  servicing has continually placed me into retroactive administrative forbearance on loan sequences 01 and 02 during times of repayment, while I have been employed by a PSLF-eligible employer, and even while my loans were being serviced by another federal student loan servicer ( XXXX ). In response to CFPB complaints XXXX-XXXX and XXXX-XXXX, FedLoan removed this retroactive forbearance status but in accordance with a letter dated XX/XX/2019 has reapplied it again. Additionally, in accordance with CFPB complaint XXXX-XXXX, XXXX, my prior servicer, verified that I was in repayment with them during part of the time that FedLoan seeks to retroactively claim administrative forbearance and erase my payment history. I am concerned that FedLoan is attempting to erase time during which my loan was technically in repayment status and that they continue to make this error over and over again with no end in sight.
Consumer complaint received 2019-06-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (WA)

I purchased a car in XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX, and registered the car with the XXXX  state. I changed my address with the XXXX  DMV multiple times. 
In XX/XX/XXXX, I paid off the car. I contacted TD Finance to get my title, but they kept telling me that the XXXX  DMV is not releasing it due to " unfinished transferring process ''. I contacted XXXX DMV and they stated that my transfer/address changed was done correctly, and there is nothing for me to do, TD Auto finance needs to release the lien so they can send me a new title. 
I contacted TD Finance again, and they insist that the XXXX  DMV needs me to finish the process and won't release my title, and continue to hang up on me every time I try to get them to resolve the issue. 
It's been close to 8  months since I paid off the car, and I am still unable to get my title.
Consumer complaint received 2018-02-22
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. (CA)

the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank you
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of 2023 I had my card stolen at XXXX XXXX XXXX. Someone used my card to charge two different items one totaling XXXX and another XXXX XXXXXXXX as soon as I noticed my card was gone I lefrlt the event and checked my account and called right away to shut down the card. I have no proof that I did not make the purchase except for the fact that I have no items. Obviously I wouldn't have a receipt. The merchant claimed the their used tap to pay so no pin was entered. I should not be responsible for the charged because the bank should require pin numbers for all transactions even tap.
Consumer complaint received 2019-06-19
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: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

XXXX XXXX XXXXXXXX this advertisement states that one person redeemed {$110000.00} in cash back in one year at 2 % cash back. that would mean she spent close to XXXX XXXX dollars and ad a spending limit of close to {$500000.00}. 

this is weird and blatantly false
Consumer complaint received 2019-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (AL)

On XX/XX/XXXX, I informed the Social Security Administration, that I am ready to collect my retirement money. On XXXX of XXXX a representative called me to confirm how I want to receive the retirement fund from the SSS, I have decided to receive my money thru a visa debit card by Comerica Bank, as I thought I would have easy access rather than my out of state bank. I understand I would start to receive my funds on XXXX one month later of my start retirement. 

The first transaction I used with my issued debit card was on XX/XX/XXXX from a merchant named XXXX XXXX XXXX which amounted into {$81.00} after making the first transaction I thought it was a scammer store so I have to call the card center and told them to stop payment on the card. The customer service told me to cut my card and stop using it, which I did but the payment went thru, and I did received the merchandise as well. from that experience, I learned that I have to pay {$13.00} to have my card sent thru XXXX. and also pay {$3.00} to replace the card. I also understand that I have to pay a fee if I will use ATM machine that are not network member. 

I am going to continue relating the transaction of the issued debit card by Comerica bank. On XXXX XXXX I did an ATM withdrawal from an ATM having a VISA logo to determine it was network member but I was charged {$2.00} on that transaction. on XX/XX/XXXX I made a purchase from XXXX XXXX XXXX market. of 1 {$110.00} On this day XX/XX/XXXX I have decided to take all my money out from this institution, so I made a withdrawal of {$3000.00} at XXXX and was charged {$4.00} total for the three withdrawals. On XX/XX/XXXX, I made an online purchase of items from XXXX XXXX of {$160.00} and another on line purchase from XXXX XXXX of {$100.00} this was the last transaction I have made from my Debit card. On XX/XX/XXXX there was a note from the debit provider of Debit Adjustment of {$270.00} I called and asked about it, but their answer was they are going to look at it and to stop using my card, at the same time they will send me a questionaire of fraud form to fill up so they can investigate what happened, in addition they told me I will recieve it in a few days. 
I never recieved anything from them but at least three times another new card issued to me. which means {$3.00} per new card. 

I called the Direct Express Fraud services department to relate to them about my demise, they have sent me some paperwork to fill up and signed and send back to them on XXXX XXXX. Until now I have not heard anything from them.
Consumer complaint received 2023-04-09
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. (AL)

My consumer credit information is being illegally shared by banking institutions and third party institutions, companies to credit reporting agencies and the credit reporting agencies are causing defamation of my character. The accounts being shared are XXXX XXXX XXXX Account # XXXX, Division Of Child Support Account # XXXX I the Consumer have rights according to the The Fair Act Reporting Act consumer laws. This law governs everything that anything that gets reported to my consumer credit report, I the consumer determines what is to be reported and what is not to be reported to my consumer credit report. I did NOT give any banking or third party institutions, companies consent or permissions to share my personal consumer information. 15 USC 1601 states banks and institutions are supposed to protect my consumer information and not share unless I give consent. 15 USC 6801, 1602, 1603 law clearly states ( A ) Before you report my consumer person information, you have to inform me. ( B ) Before you report my consumer person information, you have to inform me and I have to respond with a yes or no response. ( C ) If I answer NO, you are required to inform me on what I need to do to insure that you dont report my personal consumer information obtained by banking or 3rd party institutions. Disclosing OR sharing nonpublic personal consumer information to banking, institutions, affiliates and nonaffiliated third parties is completely illegal according to the Fair Credit Reporting Act Consumer Law. In accordance with the Fair Credit Reporting act, my rights have been violated and I demand the immediate removal of any negative items, late payments that was shared to personal consumer credit report without my permission. Continued unsubstantiated reporting of my personal consumer information to third parties may provide a basis for formal complaints being filed pursuant to federal institute. Within 30 days of this notice, either remove the negative trade line notations from my consumer credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. I have contacted my local Congressman to have your deceptive and fraudulent documents promptly forwarded to the Federal Trade Commission, Attorney General and the Postal Inspection Service For further scrutiny. Please DELETE all negative consumer personal data IMMEDIATELY.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (MD)

I applied for a Lowe 's credit card on XX/XX/XXXX and my application was denied. On XX/XX/XXXX I received a letter from Synchrony Bank in XXXX, FL indicating that the reason for my denial was that " Credit bureau reports applicant is deceased '' and that if information is incorrect I should contact the credit bureau - XXXX in XXXX TX. I called and the first think they asked for was by social security number which I refused to give. 
Obviously I am not deceased and I do not give out my social security number to prevent identity theft. This seems much like a scam to me. - Lowe 's should be notified and both Synchrony Bank and XXXX Credit Bureau investigated to prevent others to be exposed to this scam.
Consumer complaint received 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A. (DC)

I paid mortage for XX/XX/XXXX in 4 installments : XXXX XXXX XXXX XXXX which is a total of : {$3100.00}. The monthly payment is {$310000.00}. 

PNC still has Payment Due XXXX which has been fulfilled as of XX/XX/XXXX. On XX/XX/XXXX a late charge was assessed and the account was reported as delinquent. 

This is incorrect and I'm unsure why PNC has not corrected this error. My credit score has dropped XXXX points based on this error.
Consumer complaint received 2019-06-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc (FL)

This is regards to an old debt on a apartment lease from XXXX XXXX. This debt is noted to have stopped being paid on XX/XX/2014, which is past the statute of limitations. This debt was originally sent to Hunter Warfield, and they removed the debt from my credit report due to insufficient proof and they did not provide documentation upon requested that showed the original contract with my signature on it. 

I did not receive a letter regarding the time frame I have to dispute this account for the SECOND time. This account just keeps getting handed off to different collection agencies and aging the collection. You are not only hurting my credit with this, but putting my future home ownership process in jeopardy. 

You are attempting to collect a debt thats past the statute of limitations which in the state of Florida which is 5 years of breach of written contract and 4 years for oral contracts.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Diversified Consultants, Inc. (OK)

On XX/XX/XXXX I cancelled my cable and internet with XXXX. 

On XX/XX/XXXX I returned all of my equipment and received a confirmation from XXXX that it had been received along with serial numbers In early XX/XX/XXXX I began to receive calls from XXXX about a bill of {$160.00}. After looking into the matter with XXXX they told me it was a service charge for XX/XX/XXXX. After submitting proof I had discontinued services they said that is was for equipment. I again submitted proof and they said over the phone that this matter was resolved. 

In Mid XX/XX/XXXX I began to get calls from a collections agency. After checking with XXXX they said they are no longer able to remove the charges since they were in collections. 

After filing a dispute with the collections agency with proof, the derogatory mark was removed. 

On XX/XX/XXXX the same derogatory mark reappeared on my credit score. I know it was the same because of the amount and the fact that I have never had another mark. 

After filing a dispute with the collections agency, diversified consultants inc, I was not able to get a response.