davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
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: Atlas Credit Company, Inc. (TX)

I AM UNAWRE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVED PROPER NOTIFICATION PLEASE PROVIDE THE CERTIFIED MAIL AND RECEIPT WITH MY SIGNATURE ON THERE STATING THAT I RECEIVED IT. COMPANY IS SHOWING THIS AS A CHARGEOFF ACCOUNT BUT 1099C FORM OR CERTIFIED MAIL WITH RECEIPT NO RECEIVED.
Consumer complaint received 2022-02-10
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. (PA)

Have contacted Credit Bureaus on numerous occasions to have a number of inquires removed and outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2015-06-10
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Affinity Mortgage, L.L.C. (CA)

I submitted an online application for a VA Home Loan to XXXX XXXX, Sr. Mortgage Consultant, Affinity Mortgage, LLC XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , KS XXXX Direct Phone : XXXXFax : XXXXEmail : XXXXXXXXXXXXVisit our website and apply online at www.affinityhomeloan.comAnd, I would like to report them for possible fraud.
Consumer complaint received 2016-02-17
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (DC)

I applied for a MileagePlus Explorer card from Chase in XXXX of 2015. The offer agreement contained a {$50.00} statement credit for first purchase with the card ( after up to 8 weeks or more ). After 8 weeks from the first statement closing, Chase refused to honor the agreement for the {$50.00} statement credit, and said that their system indicated I had not applied through the correct path. However, the {$50.00} statement credit was in my original offer and should be honored.
Consumer complaint received 2022-02-10
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)

Have contacted Credit Bureaus on numerous occasions to have a number of inquires removed and outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Have stated to Capital One numerous times that in XXXX of 2016 they had issues with their website not to mention that I had an incorrect address on file. My payment was not accepted and they then reported on my credit report that I was 30 days past due though they refunded my fees because of this. Every single time I call I get XXXX and I am not sure they even understand what I am asking. This is my last resort to report them to remove this information from my credit report.
Consumer complaint received 2016-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (CO)

Selene Financial has submitted a false credit report regarding my account, and still refuses to send me any statement of my account. 
On XXXX XXXX, XXXX, XXXX sold my mortgage to Selene Finance. In the subsequent XXXX months, I have paid the mortgage by phone on the XXXX of each month. On XXXX XXXX, XXXX, Selene refused to take my payment until I signed their mortgage agreement. When the sale of my house became delayed for 60 days, I signed the loan papers and immediately paid the new mortgage amount. 
Each time I have called in my payment, I have asked for a statement of my account. I still have not received any statement of any type. Fortunately, I have been sent receipts for my payments. 
Last month, Selene submitted an entry to my credit report that I have made XXXX late payments on the account. This report is not only false, but the number of XXXX late payments seems somewhat arbitrary. This will be my second complaint with Selene since they took over my loan XX/XX/XXXX.
Consumer complaint received 2015-09-08
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: POPULAR BANK (OK)

We bought a certificate of deposit in the amount of {$250000.00} from www.eloan.com and instructed them to send the interest each month to our local bank. The first payment for the period ending XXXX/XXXX/2015 was added to our account with them.They now say that they can not send that interest payment to our local bank.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

I was checking out the account services on all my 4 EIN accounts and it looks like services that I DID NOT sign up for was enabled again for 3 out of 4 of those profiles : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Those services are : XXXX XXXX {$15.00} XXXX  {$19.00} XXXX {$12.00} Wire {$12.00} People and Permissions {$8.00} I brought this up to my relationship manager and the branch serveral times, but started documenting it from XXXX again on XX/XX/year> and again on XXXX
Consumer complaint received 2022-09-05
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : Discharged XXXX : Bankruptcy XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2015-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX 2014 I asked for a GFE and they gave me Closing Costs Worksheet with Estimated Closing Costs of almost XXXX and an interest rate of XXXX for 180 months. After that, they sent me a letter dated XXXX XXXX 2014 with additional closing costs totaling XXXX. I then spoke to XXXX XXXX and XXXX XXXX and XXXX assured me of the XXXX if the appraisal comes in okay. XXXX also acknowledged that the property was a duplex. On XXXX XXXX 2014, the settlement statement ( HUD-1 ) showed XXXX due for closing costs that I rolled into my loan, which originally was XXXX less discounts ended up being XXXX. I ended up closing the loan due to the amount of time that had passed.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-05-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Currently I am a Capital One Quick Silver Credit Card holder. withdrew {$160.00} in cash On XXXX XXXX, 2016 I made a cash withdrawal for {$160.00}. 
The charge appeared on my account and I continued to pay my bill. Come XXXX XXXX, 2016 and I signed into my account only to see the charge duplicated. I filed a fraud investi- gation. Capital One gave a temporary claim adjustment but latter old me that there was no fraud, I ask for their investigative report but they have not given me any proof only all indications that it if in my statement as a charge which I will unfairly have to pay next billing cycle.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

On XX/XX/year> my Bank of America account was hacked and the hacker tried to send a debut card to their address. Once I found out I immediately closed down that account, opened a new account with increased security and new username and passwords, and I transfered half my money to my Merrill XXXX XXXX account. After my Bank of America account was secured, on XX/XX/XXXX I called XXXX XXXX to withdraw my money, but I was told my account was " blocked '' and I had to wait for the " outbound team '' to call me. On XX/XX/XXXX they never called when they said they would. I called and requested the reason for the denial of funds as required by Electronic Funds Transfer Act but they failed to provide that information. I noticed others had made this same complaint on the CFPB website so I decided to file my complaint. When I went into Bank of America on XX/XX/XXXX, I was told this issue would have to be resolved with XXXX XXXX, but whenever you call XXXX XXXX they tell you that the account is being investigated and you have to wait for the outbound team to call you, but they won't give you a date when you will have access to your funds. I feel as if XXXX XXXX took my money and will not give me access even though I was a victim of a criminal trying to do the same thing. As of today, XX/XX/XXXX, I have still not been given access to my money despite requesting it for 4 days now. I just want access to the money that I moved into my XXXX XXXX account because I thought I was protecting my money, but I didn't know that XXXX XXXX would deny my ability to withdrawal or transfer funds. I verified my identity many times in person in Bank of America, and since Bank of America is the only reason I opened the XXXX XXXX  account and their accounts are tied together, I feel they both need to respond to denying me access to transferring my money or withdrawal. I hope the CFPB helps me get my money back from XXXX XXXX. Just because I'm a victim of a crime does not mean I should be denied banking services.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

XX/XX/XXXX XXXX  XX/XX/XXXX I notified XXXX and XXXX and they continue to report the same bankruptcy twice. I will attach all documentation that I have sent to them. I even contacted Lexis Nexis and they totally ignored request to validate. 

Double Reporting : XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX Identifier XXXX Type XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX XXXX XXXX XXXX  Identifier XXXX XXXX Type XXXX XXXX Account Ownership Type Attorney Name Disposition Type Dismissed Dismissed Disposition Date PUBLIC RECORDS The following public accounts are recorded in your credit report. 
Disposition Date Filed Date XXXX XXXX Paid Date Settled Date XXXX Consumer Dispute Indicator XXXX XXXX XXXX XXXX XXXX Court Name XXXX XXXX XXXX  Docket Identifier XXXX Type XXXX Account Ownership Type Attorney Name XXXX XXXX XXXX Disposition Type Dismissed Disposition Date Filed Date XXXX Paid Date XXXX Settled Date XXXX Consumer Dispute Indicator XXXX
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Loan Science, LLC (NJ)

My XXXX student loan was in forbearance which has ended with my next payment due on XX/XX/2017 at {$820.00} I called to explain I can not afford this payment several times and was told I have to wait until after I miss payments to call Loan Science who handles the billing. I called Loan Science on XX/XX/2017 to question the payment amount and I was told that this includes late fees, I have not been late the loan was in forbearance but because this company does n't immediately put a loan into forbearance it accrues late fees. I find this absurd and question how this can be legal? The also informed me that they do not have any repayment plans available and I need to pay the {$820.00} on due date or I will be charged a late fee and next month my payment will be {$650.00} which is also an absurd amount to think someone can pay. I want to file a complaint against loan science for purposely and knowingly keeping me in debt by refusing to work with me based on what I can afford and also by tagging on late fees when a loan is under heir control for forbearance.
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

-That was on or about XXXX/XXXX/XXXX, I sent a debt validation to National Credit Systems , Inc XXXX '' NCS '', in response to its letter dated XXXX XXXX, XXXX to dispute the alleged account, which is not mine. I gave NCS sixty ( 60 ) day right to cure my notice. 
- NCS sent me a corespondent letter dated XXXX/XXXX/XXXX, stating that they have yet to find sufficient evidence to validate my claim. 
XX/XX/XXXX I sent a letter demanding NCS to delete this negative trade line from my credit reports due to its violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), as well as the Texas Finance Code Chapter 392.Debt Collection ( TFC 392 ) before i can take further legal action regarding this matter. 
- 60 days had passed and I continuously received corespondent letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX from NCS still states that they have yet to find sufficient evidence to validate my claim. 
( See attached files )
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

My first mistake, I made {$5.00} payment to this Portfolio Recovery Assoc account thinking the amount is correct ; however when I spoke with someone and was told to ask them to send a debt validation letter. It showed another person on the account making purchases. I DO NOT KNOW THIS PERSON NOR DID I AUTHORIZE THESE CHARGES. I CALLED PORTFOLIO RECOVERY AND DISPUTED THIS. I ALSO DISPUTED TO XXXX AND XXXX NOT SURE IF THEY RECEIVED IT YET DUE TO THE FACT THAT MY FIRST DISPUTE WAS DIFFERENT. ALSO, I FOUGHT THIS ACCOUNT 12 TIMES BEFORE ALL DELETE. SO WHY ARE THEY ALLOWED TO KEEP SHOWING UP ON MY REPORT. I HAVE SEVERAL UPLOADS. THIS MONTH according to the statue of limitations debt expired PA is 4yrs. Which means somewhere around XX/XX/2021 should be removed. In fact, two many inaccuracies on account is the grounds alone for deletion off report Your upload is not working properly I clicked on 3 times and skipped to the next page. How do upload files to you. You will tell them to send you a debt validation letter
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (NC)

I was notified that NCC Business Services was attempting to collect on a disputed rental debt on behalf of XXXX. Because the debt prevented me from being considered for future apartment rentals, I made the decision to pay the disputed debt to resolve the matter and put it behind me. This debt was paid XX/XX/XXXX. I received a letter via email from NCC Business Services that showed the debt as paid in full, and I provided the letter to the apartment office. More recently, I have applied to several apartment communities, and my applications were declined due to unpaid rental debt. This debt is still showing open and unpaid on my credit report, even after almost a year of it being paid. NCC Business Services is responsible for timely and accurate reporting to the credit bureaus for debts they report. They have failed to accurately report this account for almost a year, which has been detrimental to my credit report and has cost me financially due to apartment application fees. I contacted NCC Business Services XX/XX/XXXX to discuss this matter and obtain proof of payment. The first person hung up on me, and when I called back, the representative said my only option was to send an email request to their email address. I have yet to receive the simple letter I requested, and any acknowledgment of my request. This has been incorrectly reported for almost a year. Falsely reporting a debt to the credit bureaus is a violation of my rights as a consumer.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

XXXX months ago, Equifax signed me up with XXXX XXXX as a result of the Equifax data breach. Initially, everything was at my disposable that included my full credit report, credit score, and alerts. 

However, now XXXX months later, I am unable to secure my credit report, my credit score, and I do not get any alerts such as new accounts opened, etc. 

Lastly, the XXXX never returns my calls but documents that she does ; even after sending emails to XXXX I do not get a response. 

When I last called, the staff person simply did not make sense. I also requested that the XXXX return my call but no call. 

Equifax has hired XXXX XXXX who is doing absolutely nothing to protect my credit file. 

Several weeks ago, I opened a new account but there was no alert from XXXX XXXX. 

Now as I am typing this, I have been on the line for XXXX minutes and no one picks up. 
This appears to be a horrible company. The person finally picked up but dropped the call. She gave her name as XXXX.
Consumer complaint received 2020-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CO)

I received a letter dated XX/XX/2020 from AMSHER COLLECTION SERVICES , INC. notifying me that a debt of {$100.00} had been placed in their office for collection. I did not recognize the debt and had never been notified of it previously, so  I called the Original Creditor ( XXXX XXXX XXXX ) and they confirmed that they had no record of me ever owing them this charge. 

I mailed a letter to AMSHER requesting verification of the debt  within 30 days of receiving the notice. On XX/XX/2020, I received a letter from AMSHER dated from XX/XX/2020, stating that they received my notice of dispute and that they would contact the creditor with a request for validation on the account and would provide me with documentation they received as a result. 

It has been 30 days since they sent that letter stating that they received my notice of dispute, and I have not received any documentation or verification of the debt from AMSHER. The account is now showing on my credit report with XX/XX/XXXX and XXXX  as open and as a derogatory mark. 

XXXX  deleted the account when I contacted them about the issue, but XXXX  and XXXX  has a comment on the account that states " Account information disputed by consumer, meets FCRA requirements ''.
Consumer complaint received 2017-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NV)

I have had past problems with US Bank in  XXXX , Nevada with late fees being charged on my checking account. Location of the branch where I first spoke with the branch manager was at  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NV  XXXX .     On  XXXX   XXXX ,  2017 a c heck #  XXXX  was cashed and withdrawn from my account, there was a remaining balance in my account of {$490.00}, with nothing pending. On  XXXX   XXXX ,  2017 I m ade a deposit from my other  US ba nk account to this bank account in the amount of {$7000.00} and balance became {$7400.00} and also as you will see from the copy of my checking account below there was an overdraft fee of {$36.00} from check #  XXXX  when there was obviously sufficient funds in the account and looking at my online statement balance ( see below ).      XX/XX/2017    Overdraft Paid Fee  XXXX  {$36.00} {$7400.00} {$7400.00}  XX/XX/2017    Deposit View Image {$7000.00} {$7400.00}  XX/XX/2017    Check View Image  XXXX  {$870.00} {$490.00} I went to my branch  XXXX   XXXX  and she told me I had overdrawn but that I would not be able to see that because it was something they could see pending after hours. I then askd to speak with her manager  XXXX  at another local branch and she refused to reimburse the fee so I went to her superior  XXXX  who was nasty and got me irate and defended the fee but could n't show me any proof of what supported the overdraft fee and told me she was closing the  XXXX  accounts I have at their bank and that I could come pick up my cashiers check today. Every  manager  and supervisor including their corporate office could n't show any proof and said that I would n't be able to see what they see on my account. How can I be charged for something pending that they have no proof of and that I ca n't see on my account online or in person. They have done this to me in the past and this was the last straw! I feel t hat US Bank is ch arging me erroneous fees and now retaliating against me for complaining since they are proceeding to close my accounts immediately. I feel that is discrimination as well in the way they have all acted towards my complaint and grouped together and not care about resolving the issue but now saying because I am mad they do n't want my business. As far as I 'm concerned they are stealing my money.
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.