davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Collection Systems, Inc. (AZ)

I sent NCM a letter and asked for a true and certified copy of the original instrument of indebtedness with my original signature. NCM sent me a typed up copy of a lot of numbers of an amount owed with no sign of my signature in sight. I followed up with another letter that 's attached to this complaint and asked them once more to please send me the original indebtedness. NCM refused to do so and sent me another letter stating that they were n't responding to my letters any longer with an updated different balance.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 2016-06-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

CMRE, a collection agency, is reporting to my credit report a debt that is not mine. They are porting some kind of XXXX XXXX services. As a matter of fact, I 've never had any XXXX in my life other than XXXX. The total amount this agency is reporting to XXXX and XXXX is {$270.00}.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (FL)

My Mortgage was sold to fay services from XXXX bankThey have had it messed up from day one first the did not have my escrow payment info said they did not get it from XXXXthen they said my payment was late in the amount of XXXX dollars not XXXX and i owed XXXX of those payment ( wrong again ) I sent them XXXX payment for correct amount girl gave me but she says she can not post until escrow is straighten out that she admitted they have XXXX upThis is going on two weeks now and i am not getting phone calls returned have requested a Supervisor to call me but no action on there partI am in the middle of a refi with another property and am going to lose my refi if i do not show my payment paid in full they refuse to do this return calls because you always get a recording when you do get thru every one is to busy to talk to youI have never dealt with a company this bad in my life0 cutomer serviceMy Credit is getting ding aswellPlease help mealso sending this to my congressman
Consumer complaint received 2020-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX Your Notice of Default and Notice of Intent to Foreclosure letter dated XXXX of past due balance of XXXX is invalid. Please see XXXX  XXXX XXXX XXXX dated XXXX confirming that all payments have been made on time and the correction requested by XXXX  XXXX XXXX to Specialized Loan Servicing of {$88.00} to complete the misapplied payment correction to our account. No payments have been missed before or after loan transfer on XX/XX/2019. In addition, our credit report for XX/XX/XXXXreported by XXXX  XXXX XXXX has been reported as current. 

All supporting documents are attached. Please correct the misapplied payments, past due balance, and payments history to all credit bureau agencies. 

Thanks
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HANCOCK WHITNEY BANK (LA)

I went through drive thru at my bank Whitney Bank on XXXX XXXX and XXXX XXXX XXXX XXXX, LA to make a deposit. Then decided to cash a check in the drive thru lane rather than go around to ATM machine. The teller informed me that my account did not exist. I have many accounts I sign on. I can not state how upset i became since my pension and social security checks go to this account. I had to leave to pick up my grandson then go back to the bank park and go in to see what the problem was. The teller inside the bank had no problem finding my account. I reported the incident to an assistant manager and wanted an apology from the drive thru teller which i did NOT get.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I have a charged off account with Automobile Acceptance Corporation and I requested a 1099-C from them in writing and over the phone. They stated that they're not going to provide me with that information although they have it handy. I am requesting help obtaining a 1099-C cancelation of debt from them.
Consumer complaint received 2022-02-07
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. (NY)

A dispute with this company was created on XX/XX/XXXX and XX/XX/XXXX in which my second noticed was received on XX/XX/XXXX via certified mail. As of todays date, XX/XX/XXXX, I have yet to receive a response from this company in regards to the validity of this account. The FCRA allows for such company 30 days to response, I have yet to receive a response.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (IL)

I opened a chase checking account in 2005. After Chase proposed me an overdraft protection and sent me a credit card connected to my checking with {$1500.00} credit on that. on the same year I used it for a plane ticket and other. To avoid late payment I set up an automatic payment of {$45.00} on the due date. Since 2005 I have been paying that amount, my credit balance never went down. Last month XXXX, I decided to watch that account closely. I paid {$150.00} over. This month, XXXX, that 's exactly what I got in the available credit to use. I went online to see, I found that they cut me {$32.00} interest on purchases every month. I called them to ask them about that. Their answer suggests that it is normal. The {$32.00} interest charge can only go away if I pay their balance in full in one month. 
Concerns : -Do we use credit cards to pay them in full in one month? 
I see many of the credit cards having an APR, an annual interest percentage they cut once a year. And every month we pay some service fee of less than {$10.00}, and some transaction fees when paid over the phone. 
XXXX Paying {$32.00} interest for purchases every month. what is my APR? 
_With {$1500.00} debt, over XXXX years+, I have paid a little more than {$5000.00}, I f I continue to pay the minimum, I will pay this debt off in XXXX years they said. How much will they be getting from me? 
-I do n't think I signed for that kind of credit card. 
-They gave me this credit card with ease, telling me that it 's an overdraft protection. Now I do n't think so. I believe it is a trap to make me owe them all my life long. This is a ponzi skim to get XXXX from people.
Consumer complaint received 2022-08-15
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: SECURITY FINANCE CORP (OK)

I was going to get a loan for a vet bill and when they told me the interest rate I told them no thank you that I do not want their loan I'll just go to my personal bank and they ran my credit anyhow without me signing anything or giving them permission
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (MN)

Sent first cease and desist letter on XX/XX/XXXX. Collection Agencies respond by selling to the next Agency. 

The most recent communication, received yesterday, XX/XX/XXXX, was sent in a see through envelope with LARGE, CAPITALIZED, BOLDED, and UNDERLINED FONT clearly read by looking at the outside front of the envelope : THIS COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 

The envelope with this message visible was delivered to my neighbor, who saw the message with my name and address and hand delivered it to me.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been dealing with identity theft for the last two years I have reached out to Trans Union multiple times to try to clear up fraudulent information on my credit report and they will not assist me with any help I have disputed information and they have yet to remove fraudulently information off my report
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RGS Financial, Inc. (SC)

Called by RGS Financial for my wife. Unsure how they got my number. Asked for my wife. I stated she was n't at the number called. They asked if they knew how they could reach her. I told them to give me a phone number where she could call them back. They refused and said they would try to find her by another means and hung up abruptly.
Consumer complaint received 2022-02-07
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. (CA)

This is my second time reaching in regard to XXXX. EXPERIAN, AND XXXX! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Fair Collection & Outsourcing ( FCO ) placed an account ( XXXX ) on my credit reports in the amount of XXXX and sent me an offer on XX/XX/XXXX of XXXX to clear up this account. The first violation was that they placed this alleged account on my credit reports before they notified me in writing. On XX/XX/XXXX I requested validation of the alleged debt, with the foloowing : statemement which matches the balance being claimed, list of charger from the orginial creditor ( updated as of XX/XX/XXXX ), Proof that they are licensed and bonded as a Collection Agency in Maryland, when was the aprtment released. We never received all of the information requested ( see attachments ). XXXX stated that XXXX in there client but I contacted them and they said they have a new owner as of XX/XX/XXXX and any accounts prior to that is no longer there and to contact the Collection company. FCO is trying to collect on an alleged account that is Past the 3 year Statute of Limitation of debt collection in Maryland. The lease is n't signed with my signature by with a generated signature by has a signed signature by the apartment authorized representative. So if I was presented to receive keys then why is n't my signed signature of this document? And the statement has charges for rents in advance which is a violation if the apartment was released during that time. I pointed all these items out to XXXX with FCO. He stated that they received this alleged account on XX/XX/XXXX but its reporting on my credit reports as XX/XX/XXXX, he stated that they didnt start reporting it until XX/XX/XXXX but they started reporting it in XX/XX/XXXX which is violation. FCO has proof from a previous account with them XXXX that shows my signature and that I was living in another apartment at the time of this alleged lease.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2020 I tried to login into my online banking account with Bank of America. During this process I noticed that the XXXX request to login into the account was not encrypted and my login credentials were passed over the internet in plain text ( not encrypted ). I called Bank of America and was told that they did not have the capability to encrypt the request. This is 100 % false and a HUGE security breach.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

To whom this may concern, I usually make my payments via bill pay from my bank, so this way, I wo n't be late. XX/XX/XXXX, due to a change in escrow account, the usual payment that I 've made went straight to principal instead of being counted as a payment. And because of my bill pay, I do n't look through my statements every month. I did n't realize there is an increase in my Escrow account till XX/XX/XXXX, which is already too late. They have already added a 30 day late on my credit report, and may be a XXXX one. 
I tried calling Ditech mortgage this morning to explain what happened and they would n't reverse what has been done and said their credit department can not reverse it because it is not caused by Ditech.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

XX/XX/2023 my Chime bank account was Hacked as well as my email account for my tax refund. I had disputed transactions but there is one that I'm having problems with claim Id number is XXXX. I provided a police report as well as documents proving I was not responsible for these transactions. I have never had any relationship with either merchant on the day of XX/XX/2023. I have been doing everything to recieve my funds and they are constantly being denied for this claim as for which it was XXXX dollars!
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: First National Collection Bureau, Inc. (TX)

I was contacted by this creditor regarding a debt from 2003. I notified in writing this debt is too old to be sued for and I asked not to be contact regarding this debt. 
I was than contacted again by mail, which advise me to call. I explained to the creditor XXXX that they are past the statue of limitations to collect on this debt, and she advised me that they can sue, then she said they cant, then she stated that they would keep me in collections. I than contacted your office, and I an now submitting a complaint.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (WI)

Beginning on XX/XX/2022, " Credence Rsrc '' began to make repeated calls to my cellular number, which have continued to the current date. I have not answered a single one of these calls, but due to their persistence decided to research the name online to find out it is a collections agency. I am in possession of no debts, and have no reason for such a business to be contacting me. I do not know for what proported debts they want to contact me over, but I know that whatever claims they are working off of must be false.
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (MS)

On XX/XX/2020 I attempted to withdrawal XXXX out of my account out of the drive through of Bbva compass and was pressured with questions where did I receive this large deposit from and I said its a sba loan and she persisted to ask me do I have a business and I stated yes you can check with my leader they wanted my application for the loan I contacted sba and they said the only thing I have to disclose to them is my disclosure of my loan because they are XXXX party by law I dont have to verify anything else with them. After I gave them the paperwork one lady called and started asking me a lot of questions and I felt attacked because I was just told I didnt have to tell them all of that my agreement is between me and my lender. I need access to my funds but my account is frozen. I have been reaching out to XXXX XXXX on my complaint with the teller but no help so far. I explained to her that I would be reaching out to you guys and that I contacted sba as well. My thing is the day before I got XXXX out and it was no problem I dont see why its a problem for me to use my own money. They where being prejudice and unprofessional during this entire situation I even complained with the company and this is not my first time going through this.
Consumer complaint received 2022-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (AL)

Dear American Express, IN RE : Credit Card Account Ending in XXXX I am contacting you all in regards to the transaction in the amount of {$14000.00} that posted to my account on XX/XX/22. 

I previously reported this transaction as fraudulent, however, American Express sent me a letter stating the transaction was determined to be valid, even though XXXX has provided me a statement stating that they never provided American Express with any evidence or data that would have shown the transaction to be valid. This transaction was the result of identity theft and I reported this transaction within 45 days of it happening, however, American Express is now saying they have no record of said complaint even though I reported this matter. And then re-reported it months later. I am hereby requesting this transaction amount immediately be removed from my American Express balance given XXXX did not provide any evidence that shows this transaction to be valid, and given I reported it within 45 days of it happening and then re-reported it months later and then just recently reported it again which can be found under CASE ID # XXXX. I furthermore would like this transaction removed from my transaction history given the fact that I just recently reported another fraudulent transaction which happened on my account on XX/XX/XXXX with the same merchant in the amount of {$500.00}. 

I believe someone is creating a fake account trying to pretend as though they are me and charge my account. That matter was reported on XX/XX/22. 

I furthermore dont understand how American Express thinks they can put this amount back on my account when XXXX has told me the seller for this transaction provided no response to the claim filed in relation to this transaction and that they did not provide any evidence showing it to be a valid transaction. 

Therefore, I hereby request American Express remove the amount of {$14000.00} from my account balance immediately while this matter is being Investigated and that American Express then permanently remove the transaction amount from my account balance given this transaction was the result of identity theft and was fraudulent. 

In the event this is not done my attorney will be filing a lawsuit against American Express for trying to make me pay and for adding an amount to my account balance that was a fraudulent transaction. 


Please send this correspondence to American Express Legal Department as well. 

To find my account please use XXXX XXXX Thanks. 


XXXX XXXX XXXX
Consumer complaint received 2022-02-07
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. (CA)

Equifax, XXXX, and XXXX continue to report inaccuracies on my report. This is causing me great anguish and preventing me from buying a home. The aforementioned accounts are deliberate attacks on my character. They have no merit whatsoever and don't belong to me. Please help rectify this situation.
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC (OR)

This company misrepresented their terms and charged fees that were not agreed to. I sent a request to close the account with a check for the balance owed last fall. Instead of closing or cashing the check they charged additional huge fees to renew the card. I have sent several follow up requests for them to close the account and asked for follow up on why the check has not been cashed. I have sent these return receipt and have not gotten any response. They have continued to add fees and now have reported it as late/bad account on my credit file.