davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am submitting a follow-up complaint to address a significant concern : I have been victimized by fraudulent activity. Under FCRA section 605B, Credit Reporting Agencies are obligated to delete any items listed on an identity theft report. For my situation, please refer to reference # XXXX, # XXXX, and # XXXX. Attached, you will find documents to aid in the removal of incorrect information and fraudulent inquiries from my reports. Below is a list of items that were opened without my consent : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Let me repeat that per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within 4 business days of receipt.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I am being charged interest when I paid my card off and when I went to make payment on a late fee I was not able to access account. I tried to contact customer service and their system was down its been months and still cant get a hold of a representative. This is after we were told we would not be charged for not being able to pay on time because of their system problems and I was charged almost {$37.00} plus interest on a card that is paid off.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (RI)

I requested a replacement card from Amex Bluebird and was told that there is {$5.00} fee. I read the terms and conditions of my card and nowhere in that contract I could find " this fee ''. The FTC or any US regulatory company governing this business should look into this sneaky tactics
Consumer complaint received 2016-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (NJ)

XXXX people went into a store on XXXX XXXX in XXXX, NY in XXXX 2015 and bought phones worth {$4700.00} using my SSN and Driver 's license. I was in XXXX at that time and called repeatedly to rectify the problem once i got to know about it but nothing happened even though i called the collections agency, credit bureau. 

I had only XXXX account with XXXX which i suspended after paying all the dues. I called the store but they said that they can not help me. I think the store they went to was XXXX. I also tried calling the collections agency, they said that they will provide me with a packet which would have all the info but nothing happened. I recently came back to United States and I am trying really hard to maintain and increase my credit score, things like these are going to seriously put a stop to my credit score.
Consumer complaint received 2015-10-01
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AES/PHEAA (IL)

AES collects on loans that NCT has purchased but they have never sent me proof that NCT owns this debt, the only item I have received was a loan agreement that I signed with XXXX XXXX XXXX. AES is committing fraud against me which I have recorded calls on my phone because they also lie about everything and does not have any knowledge of what they are collecting on. I have spoken to NCT and they acknowledge that NCT is a trust and does not make any decisions on the loans which AES claims they do. I also spoke with XXXX XXXX and he acknowledged that AES can remove any negative marks they put on someone 's credit and not sure why they told me to contact NCT. The whole company of AES are idiots and should be shut down. I can get correct information from other companies but AES hire people that do n't know anything plus they are recording people 's calls without giving them the disclosure which is illegal.
Consumer complaint received 2022-02-12
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. (PA)

Hi, My name is XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These. fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the federal trade Commission and I also attached copies of the federal trade commissions identity theft affidavit. please remove these items as soon as possible
Consumer complaint received 2016-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

JP Morgan Chase acquired my Mortgage loan from Washington Mutual XX/XX/2008.The interest rate on the loan was approx-2.85 per cent Because of one payment being late I paid the late payment with the second Installment and the bank failed to apply the payment refunded the payment to my checking account.Without filing any notice default and substitution of trustee the bank raised the interest rate from from 2.85 % to 9 % .This created lot of financial hardship we were forced to sell the property as distress sale.
Consumer complaint received 2016-10-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

checking account was over-drafted. I had, according to Chase until XXXX to cover the overdraft and avoid fees. An account transfer was done at XXXX and reflected in the account as covering the overdraft. Checked with the phone app and website and both showed the overdraft covered with a positive balance. Last time checked was midnight and it still showed a positive balance. Next day XXXX overdraft fees were charged to the account. Branch officer said that was because transfer was not done before XXXX but account showed positive balance before the charges.
Consumer complaint received 2015-12-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (MI)

I do not think I ever took a loan from these people. XXXX XXXX is apparently where i obtained the loan, though i do not recognize this, and I am being hounded by a company called National Principle Group, They say I took the loan in XXXX, they say I made payments from XXXX to XXXX of XXXX. They say I borrowed XXXX but owe XXXX. I have taken loans from Pay day people, ( I admit it sadly ) I have ALWAYS PAID them back and in fact have not used XXXX for several years now. These people are harassing me at work and on my cell. I have told them I contacted my attorney General 's office, that I will pay if, I in fact owe it, and have requested that they send me the information in writing, through the mail. They will not, usually yelling at me telling me they 'DONT HAVE TO DO THAT '' they want to send me an email, ( but the email they have for me is no longer good, I have NO, and will NOT give them my new one ) They do have at least the last XXXX digits of my SS # and my bank account, as well as my home address, and both cell and work phone numbers ( obviously ) they will not give me the information on the account they say I have, not the account number or anything. They said they would take a settlement of XXXX if I paid right away. I have not. i can block them from my cell, but i ca n't stop them from calling my work, how can i do this before i get fired!!! if i owe it, i will pay it. My question is why wo n't they send it to me in writing if it is legitimate? i have not moved, nor changed jobs since the date of the so called debt, if i did owe this money i ca n't believe that i have not received one thing in writing or before this time from 6 years ago. 

National principle group-several phone XXXX plus ext XXXX ( quality assurance, haha ) fax XXXXXXXXXXXX address is a po box XXXX XXXX XXXX # XXXX, XXXX, ny XXXX, at least this is what is on the internet as their addressSome of the above info is from their websiteAs i said, if i owe it, i 'll pay it, but i need this to stop, i ca n't have the threats of some goons banging at my door or hauling me away for XXXX!!! and i ca n't go through my work day worried about them calling everyday. BOY WHAT A MISTAKE, ONE I WILL NEVER MAKE AGAIN. 

The first person i talked to was not bad, firm, but not mean, the XXXX and XXXX ( i no longer take the calls if i can help it ) were both harassing, yelling, threatening, talking fast, never letting me say anything just yelling, " admit you owe it, admit you wont pay it, we will take further action '', when i ask for it in writing they yell they do n't have to, they will send it in an email and i can print it, but when i told the Atty Gen, they said they will send the email but it wo n't contain any information and that they HAVE to send it by mail, which a legitimate collection co would do. it 's getting meaner and more harassing with each call and i will admit to being scared.
Consumer complaint received 2023-03-28
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: Mr. Cooper Group Inc. (ID)

In accordance with the fair credit reporting act Mr Cooper account # XXXX has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on account under open end consumer credit plan as late for any purpose.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (MN)

Signed up for credit card deal promising a Bonus night award when you booked for XXXX nights in the XXXX XXXX program. No sooner had I received the card has the offer been pulled starting XXXX XXXX. This is blatant false advertising as nowhere did it state the program would be ending.
Consumer complaint received 2015-07-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (NY)

This complaint is related to Case number : XXXX. I would like the Loan Service Provider to evaluate my Loss Mitigation Application based on the updated 6 monthly Profit and Loss Statement. Details below. 

Dear CFPB : RE : Correct 6 month Profit and Loss Statement and Request for Incorporation of Correct Income in Evaluation of Loan Modification of Loan # XXXX ; Based on the response and the updated six monthly accounts submitted by my business accountant, I want to submit to RCS the correct updated half year 2015 Profit and Loss Statement for my business. 
The Loan Service Provider XXXX RCS XXXX decision dated XXXX/XXXX/2015 is attached. I would like to appeal RCS ' decision based on the updated half yearly 2015 Profit and Loss Statement attached. This appeal is being made within the stipulated 30 day period from RCS ' initial decision as required. 
I have sent the Updated Information and Appeal documents to RCS XXXX attached here in as PDF ) via registered mail and fax following RCS ' decision to reject my Loan Mitigation Application based solely on a preliminary and outdated Profit and Loss income amount. 
Please ensure RCS updates this information and is notified through your office that I have appealed their decision and asked them to update this information and requests them to make a decision based on the updated information. 
Thank you for your help. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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. (FL)

Please remove collections and charge offs from XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX from my report. This has caused me financial hardship and embarrassment. This matter is involved in litigation. I never gave anyone permission to sell my information. If this issue is not solved appropriately I am getting an lawyer to sue. 

Please be aware when handling this matter. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Dates ; XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX Amounts : Up to XXXX dollars worth of accounts that are not mine currently being reported on my credit reports Action taken : I filed a police report, and went on the FTC website and signed up for ID theft prevention measures as well as filed a FTC complaint.
Consumer complaint received 2021-06-03
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: Experian Information Solutions Inc. (GA)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ).

I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHERMORE I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION.

UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 

INQUIRIES 1. XXXX XXXX XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-05-03
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Solutions To Portfolios, LLC (CA)

The charges went for {$160.00} to {$390.00} ... Keeps calling me at work when I told them to just call me on my cellphone. Rude on the phone. XXXX XXXX said I have never spoken to her before but I remember that she was the one that I set up payments with a couple weeks ago. They claimed that they didnt have my cell phone number but i knew that was impossible because XXXX XXXX called me and left a voicemail.
Consumer complaint received 2017-02-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fairway Capital Recovery, LLC (KY)

I made a {$420.00} payment against a debt of {$1100.00}, which should have left a balance of {$750.00}. They sent a notice showing a balance due of {$890.00} with no notice that they were charging a fee, interest, or any other modification of my debt.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AL)

XXXX has sent a previous account into collections based on an amount that I do not owe. A portion of the bill owed was slotted for equipment that I 'd paid for previously when the company withdrew funds from my account. I do not owe for un-returned equipment.
Consumer complaint received 2019-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (TN)

Hello, My student loans were purchased by the loaner servicer called ACS Education Services, then soon after they changed their name to Conduent. I have been trying repeatedly to make my loan payment but their website says it it temporarily unavailable and has been like this for a week and their phone number is out of service. I have never missed a payment or been late in almost 17 years. Now I can not make my payment because I can not get in touch with the ACS/Conduent company that is supposed to be my loan servicer. Online there are thousands of people with this same problem. Please help resolve this situation before my and many other peoples credit scores are damaged through the incompetence of this company. Thank you, XXXX XXXX
Consumer complaint received 2019-02-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I have two bills I have been paying on through portfolio recovery. I spoke with a rep a few months ago and told her I didn't want to receive any notices through mail and wanted email only. She said ok, and all correspondence would be sent through email. I continued to receive mail. I spoke with someone else who wanted to know why I didn't want mail. Through online chat, I spoke with someone who was quite rude and said they had to mail me correspondence per law. However, according to their own website, I can opt in to get electronic correspondence. I have contacted them multiple times stating I wanted electronic correspondence. They never responded to my emails and I am still getting mail after explicitly telling them I did not want mail. 

This has caused me severe mental stress, as everytime the notice is received via mail, my spouse is reminded of my short comings and causes strife in our house.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Mortgage Company 1. Customer Service is very poor. the main mortgage phone number XXXX does not have a live contact person option. this is extremely frustrating and a live customer person option needs to be part of the main option menu. It took me 10 phone calls and about 1 hour of my time to actually get a live person. 
2. Property Taxes were not paid in full and I have received delinquent messages from my town. Citizens is responsible for paying all taxes and should not be receiving delinquent notices.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (LA)

Need to take this off of my credit report they are saying it was late when it wasnt I was already finish paying for the vehicle XXXX. 
Chrysler Capital has the payments being late during a pandemic which was suppose to be at a stop payment until 2021 which was this year in XXXX all payments were made on time please remove from my credit report. 
can the creditors XXXX XXXX and the othrer one put my credit score on all the same Its suppose to be a XXXX on all credit and XXXX XXXX has it at a XXXX still incorrect information on my credit report for XXXX XXXX
Consumer complaint received 2019-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armor Systems Corporation (IL)

I got injured by a car accident and the person never paid my medical bill and he was supposed to paid because he hit my car so now the want to charge me the money and I can pay it now because I have an XXXX son and my financial situation is not the best because of that. Please remove it from my credit report because I am trying to buy a house for my child and the other persons are responsible for. Thanks
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: M. G. Credit, Inc. (FL)

Back in XX/XX/2014 I was thinking about joining a gym but could n't due to health problems plus I am XXXX, XXXX and also had a XXXX and XXXX I could not go to much going on. I never got there letters now this company named XXXX put the bill in collections now there is a very negative collection on my credit report. My Dr would have vouched for me because he knows I am XXXX.