davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
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. (TX)

XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Other — 
Company: FIRST NATIONAL BANK OF OMAHA (MA)

This complaint is in regards to my First Bankcard Account through Omaha Bank. I make automatic monthly payments through my bank electronically. XXXX XXXX I was notified that my account was closed by the grantor for late payments and being over my balance. I made payments every month, however due to the company 's billing cycle dates they recieved one paymetn 2 days early making it look like I made2 payments in one month and none the next. I was assessed late payment charges and interest which brought my balance over my limit. I called the bank and called to their attention the fact that I made payments every month with one month being 2 days early and requested them to have the account reinstated since I HAD NO LATE PAYMENTS. I got no satisfaction. This has damaged my credit rating because it is reporting a late payment and that the grantor closed the account making it drop XXXX points. I requested that my account be reinstated and the reporting to the credit agency to be corrected which the bank is refusing to do.
Consumer complaint received 2016-06-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

In paying my mortgage, when I make payments ahead say on the first of the month, and then another payment on the XXXX of the month, and another on the XXXX of that same month- they charge the full amount of interest each time even though it is 2 or three months ahead of the scheduled payment. I also found out that this is almost an interest only loan, which I definitely did not want. They also say there is no prepayment penalty, but I am only allowed to make payments 3 months ahead?? When I tried to refinance with bank of America a couple of years ago, the loan officer I spoke with said he was very sorry and could not help me. He did not understand why anyone would put me in that type of loan??? 
They also were checking my credit if not every day, every other, which adversely affected my credit score, and made it so I could not refinance. I started out with an ARM with Bank of America and in 2010, I was ill with XXXX XXXX, and missed a lot of work and when the first increase hit, my payment jumped up so high, I was having difficulty making the payments. I called them after a couple of months and asked what I could do, they put me in touch with the home retention team which said they could help. Then when I tried to make my monthly payment, I called in to customer service or tried to log in, it automatically transferred me to the home retention team. So no one there answered the phone, I had to leave a message and someone would call back. Well, I live in Alaska and work M-F, I am not allowed to make or take phone calls at work. 
So they would call and leave me a message and the payment would not be made. This went on for months. They were also adding interest back onto my mortgage every month making my mortgage much larger than when I started, and also reporting me to the credit bureau. By now my credit is very poor from them checking my credit all the time, and from me not being able to make payments.So when the home retention team finally finished, I was in a very bad situation. Then in the midst of all that, my husband passed away. I am caught up now, even ahead, but my interest rate is now at 7.6 % and I need to refinance, but am having difficulty. I hope you can help me out.
Consumer complaint received 2015-12-08
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

I had a US Bank Visa gift card that was obviously tampered when I removed it from otherwise pristine packaging because the gummy gel used to hold it in the packaging was clearly all wrong. It was n't activated properly, but even after getting help activating the card, the magnetic stripe had been demagnetized so I could not use it. I called US Bank Visa Card services to replace it about 2 weeks ago free of charge, and it has not been replaced, despite having faxed everything they asked for.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TN)

1.I have never had an account with this company Comenity Bank , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Comenity Bank the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (KS)

I purchased XXXX XXXX phones for my XXXX sons to use. Their dad had died and I needed to be able to communicate. A couple months the bills were fine. Then I received a high bill. I called XXXX and the rep signed me up with protection plans on both numbers so there could not be data overages again. The rep set it up for me over the phone as I do not own a computer to do it on my own. The next month I got a bill for {$2000.00}. I called and I was told protection was not on both phones. I told them I was being charged for it on both. In the end I spoke to reps for over 6hrs. I was told it was a glitch and they 'd fix it. They never did. XXXX told me to contact u.
Consumer complaint received 2016-06-03
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I specifically told Bank of America Representative XXXX XXXX on XXXX/XXXX/2016 at XXXX to stop calling our place of employment and I told him they would be turned into the FTC of they called again. Yesterday XXXX/XXXX/2016 another representative from Bank of America called our place of employment for my wife and today a representative named XXXX called for me at our place of employment. They were already warned they would be turned into the FTC if they contacted me at our place of employment. I have XXXX XXXX 's phone number at XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-04-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (OH)

I do not owe this account or the money I have previously filed a complaint with exter and XXXX and have not heard anything from them or you regarding this negavite report I would like a validation of this account and the amount this company is reporting I 've already provided the documentation
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IN)

I am filing a complaint since Equifax has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One does not want to provide information regarding my account. I understand they could not provide the info due to a recent identity theft that happened to me. They are requesting for me to provide documentation to prove my identity. I provided documentation but Capital One is saying the documents does not match the address they have on file for me. The address they have for me is " XXXX XXXX, CA '' which is for a closed account I had with them before. I applied for a new credit card last year with capital one using my XXXX XXXX address. I have called them numerous times and will not help me until I provide documentation with my " XXXX XXXX, CA '' address. I have not lived in XXXX XXXX for over 10 years.
Consumer complaint received 2018-05-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc. (AR)

This creditor has called repeatedly, from approximately XX/XX/XXXX to XX/XX/XXXX, using a local number, XXXX, to harass myself and my family for a debt of which I have no knowledge, and/or for which is over 10 years old. The last call I received was by an elderly woman who informed me that this matter would be sent to court for collection. 

COMMONWEALTH FINANCIAL SYSTEMS Creditor Information XXXX XXXX XXXX, XXXX XXXX, PA XXXX Account Number XXXX Collection Date Opened XX/XX/XXXX Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX {$640.00} Original Balance
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Portfolio Recovery associates XXXX XXXX XXXX, XXXX, VA XXXX Dear Portfolio Recovery Associates, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 


Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 


Sincerely, XXXX XXXX XXXX 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am submitting this complaint because Transunion has failed to provide relief to a previous complaint and continues to violate my rights under the FCRA. I submitted a previous complaint # XXXX to the CFPB against Transunion about inquiries on my credit report. Transunion responded XX/XX/22 that they were reviewing the complaint and would follow up within 60 days. On XX/XX/22 they responded that the investigation results would be sent via US mail within 7 business days. I never received the investigation results and through US mail. Also, in the description of non-monetary relief, they stated inquiry deleted. 

The inquiries are still on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

Not only did the investigation results were not shared but also Transunion has violated federal law : 15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2. States that my written consent is needed to furnish my consumer report. 

I DID NOT give written instructions to furnish my consumer report with these inquiries.
Consumer complaint received 2016-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Issue : I 'm about to be sued for a non-existent loan. 
Details : In college, I had all government-sponsored student loans including XXXX. I did not have any private ( non-government-sponsored ) student loans. After completing my studies in XXXX I consolidated with XXXX ( now Navient ) in XXXX, but because I could not make my monthly payments, in XXXX all of my student loan debt was mandatorily consolidated by XXXX XXXX, which has been my servicer of all my student loan debt ever since. 
Despite my XXXX consolidation with XXXX, I have been contacted by Navient, which claims that I owe Navient a XXXX student loan debt of approximately {$4700.00} and say that I am late in making monthly payments to Navient ( which I have never made ). I exchanged several messages, and spoke at length by phone, with a Navient agent, but Navient can not explain what this alleged federal " student loan '' debt is from -- and can not explain why ( if it was actually a legitimate student loan ) it was not included in the XXXX XXXX consolidation that took all of my student loan debt from XXXX and brought it to XXXX XXXX. 
Now, Navient has sent me a letter saying that they have reported my late status to the credit bureaus and is beginning the process of suing me in court to obtain a judgement against me for the alleged student loan debt. So, despite my countless efforts to get an answer from Navient explaining what this alleged debt is from, and ( if hypothetically it was legitimate ), why it was not consolidated along with the rest of my student loan debt with XXXX in XXXX, now I am forced to bring this matter to your attention and to beg your assistance in 1 ) stopping Navient from pursuing me for a debt that appears to be a mistake of some kind, and 2 ) stopping Navient from ruining my status with the credit bureaus, 3 ) stopping Navient from suing me in court. 

I await your help, XXXX XXXX ( ps : Navient has given me an account number : XXXX )
Consumer complaint received 2023-03-27
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. (AL)

To Who it may Concern : I have contacted Trans Union, XXXX, and XXXX more than once pertaining to them reporting inaccurate information on my credit report that is negatively effecting my credit score. I even sent proof that the information that they were reporting was incorrect and they did not remove the inaccurate file from my credit report as I requested that they do. the account in question is : XXXX Acct # XXXX in which at the timeTrans Union shows a last date active of XX/XX/XXXX, XXXX showed a date of XX/XX/XXXX, and XXXX showed a date of XX/XX/XXXX. Trans Union has since re-aged my date of last activity to XX/XX/XXXX. 
I have disputed this issue more than once with each of them. They only respond that their investigation results will stand. I've even sent in proof that the information was incorrect. 
I ask if each of these entities get their information form the same source, How can each of the have conflicting information?
Consumer complaint received 2016-10-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (PA)

Allied Interstate calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has XXXX different phone numbers now in her phone as a " contact '' for Allied Interstate. Just today, they have called 3 times in 3 hours between XXXX - XXXX.
Consumer complaint received 2024-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Portfolio Recovery XXXX XXXX XXXX, XXXX, VA XXXX Dear Portfolio Recovery, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 


Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

Hello and thank you for taking the time to help me out, I wanted to please reach out because my checking account for my business was charged insufficient fun fees and wanted to please see if Im eligible for a courtesy waiver. This account was supposed to be closed however The Chase representatives did not give me the opportunity to do so Im not allowed for transactions to go through when they were not supposed to. I just want to bring the account current so I can close it out entirely please. And please requesting for the fees to be reversed that way I can bring the account current, thank you so much