davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-11
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IL)

Hi, I am filing an erroneous credit card payment delay to Macy 's. 
I signed up for Macy 's credit card in the store and made purchases ; however, I never received either the bill or my original card, until Macy 's called. I immediately made payments over the phone. 
Today, I found out that my credit dropped by XXXX points because of a late payment. There is no way I could have avoided the delayed payment because I never received the bill. I called and spoke with Macy 's customer services, and they agreed with the situation. However, I have a problem connecting Macy 's with the Credit Beauer. I want to be a happy Macy 's customer again, and please assist. 

My information ( no credit card info because I never received the card ) : Name : XXXX XXXX Last XXXX Digit of Social : XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX . XXXX XXXX, IL XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Pease refer previous complaint ID : XXXX for more details. Please DO NOT close the case This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : Again BOFA requested : In the event you are able to provide proof of malware from your internet provider or mobile phone carrier, the claim may be re-opened for review. 

XX/XX/XXXX : I called XXXX internet provider customer service on the phone, they confirmed-NO breach happened at that time. they are not sure how I was hacked. 
Please do reconsider the claim, as you know history : On XX/XX/XXXX When I noticed XXXX pending transactions trying to post against my account. I contacted the bank immediately XXXX went to XXXX , md police satiation and filed a case related to the same thing ( XX/XX/XXXX, XXXX received a police report as supporting documentation ) XX/XX/XXXX : I Sent XXXX XXXX cell phone provider transaction copy ( as BOFA requested ) . 
XX/XX/XXXX : Again, the BOFA investigating officer called me and inquired about laptop window security/Defender/malware/version.etc and He told me to get back to me. 
XX/XX/XXXX : Again, BOFA fraud dpmt requested to provide support document saying that My computer hacked, or malware got affected from XXXX XXXX ( diagnosis system ) XX/XX/XXXX : I went to XXXX XXXX center, XXXX, MD XXXX XXXX XXXX said that since the unit has been reset a report would not be possible as the unit was already cleaned by the full system reset to factory settings that was suggested by bank of America at the time of the process ( on the call on XX/XX/XXXX ). 
So even if I hadnt reset my laptop, XXXX XXXX informed me that they would not have been able to produce a report as it happened a couple of months ago and XXXX periodic updates would run in meantime, would have removed the detected security issues. 

So please help on this, seeking assistance in getting the funds returned. 
CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST XXXX DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX Office of the Comptroller of the Currency / Case number : XXXX Thanks & regards, XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXX Date Opened XX/XX/2017 Balance {$63000.00}
Consumer complaint received 2016-09-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Best Service Co.,Inc (CA)

My CFPB complaint on XXXX/XXXX/2016 was not resolved this business stated they will send me validation of debt, we are now XXXX/XXXX/16 and I have yet to receive any information. In my last complaint the business stated that I have been inconsistent with my complaint because I disputed with the credit report agency 's that the account is not mine and now I want Validation of debt. Obliviously if the company keeps trying to collect even after my dispute the persons who the account is affecting will ask for validation of debt, so i do n't see the inconstancy here? Their response says I was sent numerous letter which is FALSE! How can I send a timely request for verification or validation, When I have never received a letter, I noticed the company on my reports. The business also failed to address the phone call to me that went against The Fair Debt Collection Practices Act saying he is in the process of suing me and filed documents with the XXXX court, and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15. The business also failed to address the inconsistent information that has been reported to my credit files with different balances owed and dates given.
Consumer complaint received 2023-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

Fraud has been committed on my Consumer Report which violates the FCRA and FDCPA. I. C. System, Inc. is using extortion means to collect an alleged that I do not owe that resulted from extension of credit which violates Title 18 United States code 892-894 and constitutes racketeering activities and extortion. This is a notice sent per the Fair Debt Collection Practices Act the ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This notice states that your claim is disputed and the validation of the account is required *purchase agreement* Evidence that you are a licenseded debt collector *Chain of Title* Proof your are license to collect a United states debt and enjoy it *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR A COUNTY REQUEST REGARDING THE LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210 This authenticated record must include all tax filings ( including all 1099s 1096s and 1098s ) any and all trades or investment and/or interest is associated with this account of which I am alleged to be a party. I have a right to this information as it's directly associated with the reporting activities. please settle the account immediately and cease all Communications activities and have the tradeline line deleted from my Consumer Report. Also see attached letter
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (NY)

I leased a car from Ally and after returning the car they billed me with almost XXXX XXXX dollars. Had I known this prior of returning the car I would have purchased the car and make the profit my self. But they purposely are not notifying their customers about this. so they can double dip the profits.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion had an incorrect item deleted from my credit report, see attached, Then they confirmed it, sent me notice, provided a new updated report and then secretly put it back on my credit and did not notify me within the five days they intended to do so, a clear violation of the FCRA 's, 5 day notice rule 15 USC 1681, AND ... In addition they did not notify the other CRA 's as required under 15 USC 1681 611 ( a ) ( 5 ) ( b ) see attached,
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found that my information was combined with another person 's on my transunion credit report, so I contacted transunion and filed a dispute about the incorrect information. However, transunion refused to correct their mistakes : there 's still an adverse account that does n't belong to me and an address where I never lived at listed on my credit report. I never had that account, never lived at that address, and my XXXX credit report does n't have such nonsense. I 've contacted transunion three times and wasted a lot of time because of this nonsense.
Consumer complaint received 2021-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CT)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am attempting to negotiate a restructured or modified mortgage loan with my lender Rushmore Loan Management Services. Despite repeated calls to their loss mitigation department, it is impossible to get a human being on the phone to speak with me and no one returns my messages. I have not been assigned a designated point of contact, and they have moved forward with setting a sale date for my property. Rushmore recently sent out a denial letter, based apparently on documents I had sent in months earlier. They stated that I was denied for help due to lack of income, but the figures they were using were not current or correct. But it is impossible to speak with anyone about this so they just move forward with the foreclosure. 

I bought this home in 2008 with a conventional first mortgage through XXXX XXXX and a 2nd mortgage through XXXX with a 10 % down payment. About a year after buying the home problems began as I went through a divorce which hit me hard in the pocketbook due to child support for XXXX kids and legal costs.. A year later I got injured on the job ( I worked as an XXXX ) and ended up having to file through workers compensation in order to collect XXXX. Due to this interruption of income and lack of any reserves I eventually could not keep up and missed some payments on the loan. I began trying to resolve this matter with the original servicers, XXXX and XXXX a few years ago, but it literally took over a year to make any progress with them. They offered me a forbearance agreement that gave me a XXXX5 month break from payments. But then I had to go into applying for a modification through HAMP and this was time consuming and difficult. Eventually I was offered a streamline modification, but instead of offering payment relief this actually RAISED my monthly payment. I appreciated the fact that I had been offered help and did my best to make that monthly payment, but after a few months I defaulted. 

I am in the process of getting my XXXX reinstated in the state of California, and once I am able to go back to work full time doing this I will be back on my feet. To supplement my income I have rented out rooms in my home and have worked as a XXXX and also still receive my XXXX. I expect to be back working as an XXXX within the next year but am concerned that by that time Rushmore will have already foreclosed on my home. I want to save my home, and I expect for my loan servicer to communicate with me. I also have major concerns about the amount of late fees, Attorney fees , drive by inspection fees etc. It seems like Rushmore is charging me duplicate fees on the same day in many instances and I believe they may be taking advantage of me by piling all of this on so that they can write it off as a loss when they foreclose.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have missed XXXX payments and that is incorrect as well as my balance is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

After a year of struggle to get my admin order cancelled i finally succeeded in it and send the necessary documents trough to trans union to update my records, according to the information on the websites it is suppose to take 20 days, i have also paid lawyers to do so and it is 4 months from the first queries and it is still not done. There is also a judgement which was paid up already many years back and i have only recently notice it i have also paid the lawyers to get it cleared of my name which is still laying on my name. 
My credit report is a very important part of my career at this stage and it is a bad reflection when i apply for other positions, i have suffered along time with this decision of going under administration many years back and have paid the consequences for it. If i could ever advice anyone i would never give them that option. All i want at this stage is to clear my credit report. 
Please can you assist me in this matter
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

My account was closed with out me being properly notified. I didnt receive a email nor mail that my account was closed. I called capital one to solve the issue. I was told that they couldnt open my account back up. By law protecting the customer using the far reporting credit act I should be properly notified any changes to my account. I should be notified in 21 days.which I was not. I am enrolled into paperless documentation and I dont have emails being sent to my email to any changes to my account. As of today I still get statements about my account still being open. Now I have a late payment reporting to my account as well from this. Im in the middle of buying a house and these are red flags for me. This shouldnt be a fight due their negligence from capital one sadly.
Consumer complaint received 2016-05-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

Every time a make a payment on my XXXX Nissan Ultima they charge me {$12.00}. I have asked them more than XXXX times if there anyway to avoid paying the fee, and is there another way to pay. I have even gone to the dealer I purchased the car at they tell me no as well. 

Here is the ask question I asked again yesterday on the phone and today in an email format : How do I avoid the {$12.00} extra finance charge not in the APR of my truth and lending? 

My name XXXX XXXX My account # is XXXX My car is a XXXX Nissan Ultima I did n't realize there was a CFPB. A mortgage loan officer told me about. If I had known the CFPB had existed before, I would have already filed this complaint as this has been going on for almost 4 years now. 

They force me to go to this XXXX XXXX site which is directed straight from Nissan. 
I believe this should have been disclosed as another finance fee and calculated in my APR when the original loan was disclosed. This is an extra {$150.00} a year extra I have been paying that is a true cost. 

Thanks for any help you can offer me.
Consumer complaint received 2017-02-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

XXXX/XXXX/27 Dear Consumer Financial Protection Bureau : Attached is a follow up complaint to my initial complaint number XXXX due to incomplete Santander Bank manager and/or representatives ' response to my request. Thank you for your help. 

XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (VA)

Trying to pull up my business report from Experian and they are reporting incorrect information. Far as my business address and business name I tried to fix this problem but Experian will not update your business credit report unless you pay {$180.00} to update for them reporting incorrect information. My business legal name is XXXX XXXX XXXX DBA : XXXX & XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX location is XXXX XXXX XXXX XXXX va XXXX Experian has my business listed as XXXX XXXX XXXX XXXX XXXX XXXX  va
Consumer complaint received 2015-06-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My paycheck was direct deposited into my account on XXXX/XXXX/15. On the following day, I used Bank of America 's online bill pay service to pay some bills. All of these payments were declined even though the money was processing in the bank. These declines all incurred a {$35.00} charge each including charges from the payees for a declined payment. This should not have occurred because the check was in Bank of America 's possession.
Consumer complaint received 2016-12-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a number of business accounts with Bank of America for several years. Recently I discovered a {$10.00} service fee on XXXX of my accounts. I had been told in the past that this was the monthly service fee for the account, but I noticed recently that I also qualified for a no service fee account. So I called to point out the error. That 's when I was told that this {$10.00} per month had been going since XX/XX/2012 (! ) and represented a product that : * I never signed up for * I never knowingly used * I never received any confirmation of signing up or any other documentation ( The product in question is something that allows you to send free instead of {$3.00} internal transfers at Bank of America. ) I asked the representative for some sort of proof that I had signed up for this service. She told me that there would not be any proof and that I signed up online. I told her that I did not sign up for this product online and that there must be a mistake. She put me on hold to " check '' and then came back to tell me that, yes, her system showed that I signed up online, but that there was no documentation or proof. 

I stressed to the representative that I was not accusing Bank of America of anything, but that in the context of the recent XXXX scandal of a bank adding fee-paying services to customers ' accounts without their knowledge or consent, that a casual " yeah our system says you signed up but we have no proof or documentation '' is n't really sufficient. 

I brought this point up to the Bank of America representative and stated that I was unhappy with her resolution ( that I eat XXXX years of fees and get the last XXXX months refunded ). She stated that her supervisor told her not to pursue the matter any further and that if I was still upset I could write a letter to Bank of America. Instead, I 've decided to come to this Bureau. 

The amount of money in dispute is extremely insignificant. But the principle that a bank should not be allowed to get away with adding fee-paying services to a customer 's account without her/his knowledge and/or consent.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I disputed on XXXX 2016 the accuracy of a XXXX XXXX XXXX XXXX XXXX account that appears in my credit file with Experian. I requested that Experian provided to me the XXXX of XXXX used on their investigation pursuant to XXXX XXXX XXXX a ) ( XXXX ) of the FCRA. Experian has not responded to my request. See letter.
Consumer complaint received 2016-02-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (MO)

i got a copy of credit report, i see ad astra recovery service put a collection on my credit report, i sent debt validation letter XX/XX/2016, its been past 30 days, i never proof of the account, i want it removed from my credit file
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (HI)

In XX/XX/XXXX contacted Wells Fargo to setup payment plan arrangements with them for my current ( not past due ) closed XXXX  XXXX card that was closed in XX/XX/XXXX while I was having technical and other issues and was locked out of my account. 
A week later my oldest XXXX  credit card was closed because I made payment arrangements with these people, which makes absolutely no sense. That account was also current and not past due. 
This will reduce my overall available credit and adversely affect my credit score and I absolutely did nothing to deserve this outcome! I was being a responsible and diligent customer and they close another account. HOW XXXX  IS THAT!?

Even more atrocious is the fact that they didn't even put the outstanding balance of the newly closed credit card account on a payment plan since it was closed due to the payment plan arrangements I made for the other card. This is some of the most backward and almost malicious thinking and practices that I have ever heard of! 
WHY WOULD THEY DO THAT!?!? 

They are refusing to open the account citing the false excuse that it was not closed due to bank error when it absolutely was because they didn't state what the logic of doing so was and both accounts were in current and good standing. This was absolutely a bank error! 

XXXX  card XXXX Unrelated illogically closed card XXXX