davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc. (NJ)

This company has repeatedly sent me bogus letters about a Debt that is Time-Barred. In their wording they are trying to re-age the debt. It is over 15 years old. 

They are zombie collectors. 

This alleged debt has not only exceeded the statute of limitation but is also no longer valid nor can it be validated by the original company or by the zombie collectors. 

They are using unethical and illegal practices to try and collect a debt that can no longer be validated due to it being over 15 years old. I have contacted the company " XXXX XXXX '' the original debtor and they can no longer find it to validate it even with the extremely aged account number First National is referencing on the letter they sent me. 

New Jersey 's Statute of Limitations for Credit Card Debt is : 6 years State Statute 2A:14-1. 

This company is violating the Fair Debt Collection Practices Act ( FDCPA ) by trying to reage accounts for their financial gain.
Consumer complaint received 2022-02-11
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. (NY)

My name is XXXX XXXX, and I am writing in regards to having these items mentioned on the list immediately. I am a victim of identity theft and I did not make charges mentioned with the list.
Consumer complaint received 2017-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I obtain a copy of my credit report and notice and noticed both credit reporting agencies are reporting wrong inquiries on my report. experian and XXXX have not cleared the inquiries or wrote me. To tell do the room.
Consumer complaint received 2016-03-07
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I set up a 5 year CD for my granddaughter at CitiBank. Someone in the bank changed her Social Security number 2 years in. When it was time to cash in they would n't give me the interest of {$140.00} because the Social Security number did n't match her name. They should n't have changed her number. They say they ca n't help me retrieve her money. Their mistake her loss. I want to file a complaint against them.
Consumer complaint received 2016-01-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (LA)

XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.
Consumer complaint received 2016-03-16
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

I was double billed for a TV I purchased on-line from Walmart. The original item was a XXXX In XXXX TV, which was the wrong size, since I ordered a XXXX in XXXX TV. As the XXXX person delivered the wrong item, I immediately gave it back to return to Walmart. On XXXX XXXX, 2016, XXXX of Walmart told me they are issuing a credit for {$400.00} to my account. She gave me a Reference # XXXX for this credit and went on to tell me that the credit for {$400.00} would be applied and would show up on my next month 's Walmart. They did not do as they promised. I followed up with Walmart on XXXX XXXX, 2016 and they gave me a different story. This time they told me it would take 30-60 days to resolve this dispute. As of XXXX XXXX, 2016, I 'm still fighting with Walmart to remove the {$400.00} charge from my account. Simply put, they billed me twice for the same item.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I recd email saying I ordered XXXX XXXX and if I didnt to call cust. Service ( XXXX ) to cancel and get refund. I called and they canceled subscription but that I had to talk to banking Dept. for refund. I spoke to XXXX XXXX ( XXXX ) and he said he would give a direct refund and to click on link he was sending and to open my bank acct. I clicked the link and he immediately took remote control of my laptop.he said to put in refund amt. of {$550.00} on dos screen that came up and I saw my checking receive {$55000.00}. He got angry and blamed me for incorrect amt. and said I had to return their money in their particular way which was wire transfer. He initiated a transfer of {$54000.00} ( XX/XX/2021 ) and it would take XXXX hrs. I problem came up that their bank in XXXX only accepted a certain limit daily so they returned half to ny checking and he initiated second transfer ( {$27000.00} XX/XX/2021 ) which he said would be another XXXX hrs. I couldnt get ahold of him. He had told me that the XXXX XXXX  had blacklisted my social security number and everything associated with it and that they would take my savings if I didnt pay them back. I went to the bank to stop everything and they showed me my accounts and they had been drained in the amt of {$81000.00}. I was in total shock and panic and my mind couldnt think straight. The bank put in a claim and froze my accounts. They told me to come back to fill out papers and I did. The bankers were all busy and I sat for about an hour then someone handed me a form and said to quickly fill it out. I sat and tried to write down what happened and handed it to someone and no one looked it over or mentioned any urgency or accuracy requirements. I went to the bank every other day to get status and I knew something was wrong and I finally looked over my statement and realized it was being mis interpreted and asked to amend my declaration because I knew it needed to be clarified. They would not let me submit anything. I went to police and made a complaint and report of the defrauding and went to bank and gave it to them as evidence and I also went to a computer tech store to have them get back access to my laptop. They wiped the laptop clean of any of the hackers files and wrote a report stating I was hacked and laptop had been taken over linked to the XXXX XXXX  icon. I brought this to bank as evidence and all the bankers said they felt with my proof that I didnt do the transfers that I would be covered by the banks insurance. The bankers were also all witnesses to what came out of my mouth stating I did not do the transfers. The claims Dept. stated to me o the phone that they knew I didnt do transfers but it was still denied. I submitted a file to the OCC CAG and they tried to resolve this with the bank but the bank again denied it. I am now responding to OCC CAG with a letter of disagreement and my reasons for this and that I had legal rights to amend and clarify my statement.
Consumer complaint received 2022-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I have a mortgage with an escrow account with the Bank of America. I get a property tax exemption from the county of my residence. In XXXX the county erroneously declared my pre-exemption tax to the bank while sending me a correct bill. On two occasions in XXXX the bank overpaid my tax and the county realized their mistake and refunded the escrow account in two payments in XXXX XXXX and XXXX XXXX as reflected on the Escrow Account Disclosure Statement. Now the Bank is calculating my XXXX escrow payments based on the erroneous higher tax amount which will result in an increase of {$150.00} to my monthly escrow payments. Since XX/XX/XXXX I have made several attempts to ask the bank to correct the mistake but their agents are not responsive to my concerns. I have sent copies of relevant documents ( including letters from XXXX XXXX confirming my exemption, and my tax bill ) to the bank but since they show my name and address, I have not attached them to this complaint. I appreciate CFPB 's help in resolving this issue.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA (FL)

on or about XX/XX/XXXX XX/XX/2015 we apply for a fnb credit card with this bank and after put my my credit score was XXXX over the average. which is excellent credit. and was the denial. so we apply for there business credit for the business that we owe with good credit. we was denial again. so we file a company with the consumer financial on or about XX/XX/2015. in the bank response they never addressee the issue .denial base on excessive credit report inquire. in there reponse they said no social security number and that statement is untrue. she said with this small business product requires a personal guarantee we was never offered the guarantee and that was unfair. we would sign a personal guarantee, if it was offered to us. but it was not. we are still denial your approve of the product base on the fact excessive inquire which is not a base. we as a XXXX XXXX and a XXXX owen with excellent credit. never late no miss payment always pay on time .I believe it was unfair to denial the business card for the company.
Consumer complaint received 2022-09-06
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. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX  ( Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXXXXXX ( Account # XXXX ), has violated my rights US BKPT CT GA XXXX, Bankruptcy XXXX XXXX, has violated my rights US BKPT CT GA XXXX, Bankruptcy XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$910.00} XXXX XXXXXXXX XXXX BALANCE : {$560.00} XXXX XXXX XXXXXXXX BALANCE : {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXXXXXX BALANCE : {$6900.00} XXXX XXXXXXXX BALANCE : {$700.00} XXXX  XXXXXXXX XXXX XXXX XXXX BALANCE {$780.00} XXXX XXXX XXXX BALANCE : - XXXXXXXX XXXX XXXX XXXXXXXX BALANCE : {$410.00} XXXX  XXXX XXXX XXXX XXXXXXXX BALANCE {$890.00} XXXX XXXX BALANCE : {$1000.00} XXXX XXXXXXXX BALANCE : {$0.00} - XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXXXXXX  XXXX BALANCE : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$970.00} XXXX XXXX XXXX BALANCE : {$140.00} XXXXXXXX XXXX XXXX  XXXX BALANCE : {$1200.00} XXXX XXXX XXXX XXXX XXXX BALANCE : {$140.00} XXXXXXXX XXXX XXXXXXXX  XXXX BALANCE : {$1200.00}.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (PA)

My car was been broken into andm y information was stolen and looked at my credit report and seen the these unauthorized inquires XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-10-08
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: First Investors Servicing Corporation, Atlanta, GA Branch (NC)

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX, & XXXX/XXXX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Consumer complaint received 2016-09-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Ditech took over as the servicer of my loan in XXXX 2016. When my first 2 payments were sent electronically to them they placed them in the wrong account. One payment was moved to my account but the other one has not been moved and it has been 6 months. I call every 2 weeks and speak to a representative or supervisor who says the payment will be reallocated to my account by the following week and it never does. I never get a call back from anyone who said they would call me back. I needed to have them remove my phone number from their system so their automated system would n't call me to tell me my payment was late. They also send me letters that say my account is late although it is not - it is showing as late in their system because my previous payment has not been moved into my account. This was an error in their system and as a consumer I should not have to wait over 6 months to have it resolved
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (MD)

I used Care Credit in XX/XX/XXXX and charged {$1400.00} on the card which was under promotional for a year. I paid most of it off and had a balance of {$490.00} in XXXX the month before the promotional offier was up. It also states that my deferred interest charge if not paid by XX/XX/XXXX I then needed to get dental XXXX again XX/XX/XXXX and had to charge {$2000.00}. It seems as though they added all of the interest going back to my XXXX XXXX promotional offer. As of today my balance is {$2300.00} They have been putting money toward my XXXX promotional offer and my balance for that is now {$1700.00}. I made a payment for {$1500.00} today. I was not aware that I had to request the payments to go toward the old balance that incurred the interest rate of 26.99 %. I had known this before I would have called and requested my payments to go toward the other balance with the high interest rate.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2017-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Funding LLC has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered   credit score.
I disputed these two accoun  ts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and  XXXX  to no avail. To date,  Midland Funding  has continued to ignore my requests for validation and ignore my consumer rights.     I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting A ct, 15 U.S.C. 1681g I   have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted.     Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts?     I have not received any correspondence for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Midland Funding LLC can not tie me to this account, otherwise, it would have been provided with my initial request. Midland Funding LLC is blatantly disregarding the law and consumer rights.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NV)

Dietech Financial, aka Greentree will be forclosing on a house located at XXXX XXXX XXXX XXXX. today at XXXX XXXX pst. They have not dealt in good faith with us and have " dual tracked '' this house in that they told us we were eligible and be considered for a loan modification. We have also submitted an offer and a short sale package to them within the time line that they set.
Consumer complaint received 2015-04-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (TX)

This collection agency placed an account on my credit report that is not mine, they never sent me any information stating that they are placing this on my credit report. I sent them a letter asking them to validate the obligation and they ignored it. They are in violation of section 809B of the Fair Debt Collection Practices Act and section 392.101 of the Texas Finance Code.
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc. (MD)

In XXXX and XX/XX/2020, due to loss of employment due to the pandemic, I was over 30 days and 60 days late with my payments to XXXX XXXX XXXX Account # XXXX ; and XXXX XXXX XXXX # XXXX. I have sent 4 letters to XXXX XXXX Chief Financial Officer ; XXXX XXXX VP, Operations ; and XXXX XXXX, CEO asking for removal of the late payments from my credit reports ; The accounts have since been brought current. 

I believe under the CARES Act I am entitled to relief and these late payments should be removed. The bank refuses to acknowledge that the late payments were pandemic related late payments and will not make adjustments to by 3 credit bureau reports.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

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 : XXXX XXXX XXXX XXXX Balance : {$27000.00}