davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (IL)

A so called magazine debt collector called me telling me that I order magazines and that I have 30 months left to pay {$19.00} a month. After doing some research on this company they are a fraudulent company taking money from people. Which i have not subscribed to any sort of magazine. Now this company XXXX XXXX XXXX XXXX is withdrawing funds from my account. When I spoke with them they would not tell me what magazines a I order then they told me to answer a few questions and then they told me I had to pay it. I dont what to do. So far they a have withdrawn from my checking account.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, my account was positive {$20.00} dollars and {$20.00} in my savings. On XX/XX/XXXX, I was charged with 2 separate {$35.00} overdraft fees and 1 {$12.00} overdraft fee. Despite no extra transactions taking place on XX/XX/XXXX, I was wrongfully charged. The company was Bank Of America.
Consumer complaint received 2018-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I had previously submitted the following complaint against Navient : XXXX I was informed that the reason they were unable to qualify my payments to the Public Service Loan Forgiveness was because it was made in the wrong repayment plan, Graduate repayment plan. With the new congressional bill signed it appears my previous payments are eligible for the PSLF. Can you please request Navient to review my account in order to report to XXXX XXXX XXXX my current lender. Thank you in advance
Consumer complaint received 2018-04-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RMS-Recovery Management Services, Inc. (NY)

I forgot the name of the agent, however upon speaking to her several times trying to explain to her that I could not afford any of the options she was giving me. She told me that I had to figure it out ( somewhere along the lines of that ) and then hung up on me. I called back and told her that I no longer wanted to speak with her via voicemail because no one answered. However she kept calling me to the point that I needed to block her number. On top of that, I did not know that I could dispute my debt with the school and there is also a XXXX $ collections fee that I have to pay them just to take my account. I tried taking out a personal loan from XXXX XXXX to pay them. But XXXX XXXX XXXX was not willing to move the date back to clear my loans for the semesters that I was not paying. The letters and phone calls to my house continued with lines that said We recommend that you pay the XXXX $ in full or We have not discussed any ways that you plan on paying when I infact DID tell her how I planned on paying. In my most recent letter she pretty much lied about her not being able to contact me and not knowing how I planned on paying.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXviolated 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
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (TX)

On XX/XX/XXXX I filed complaint number XXXX with the CFPB. In response to the referenced complaint, you claimed to take consumer protection obligations very seriously ; However, based on the evidence you provided in your response, regarding reference number XXXX, is it clear that your company is engaged in the ILLEGAL practice of re-aging of an account. 
Section 623 ( 5 ) ( A ) of the FCRA clearly states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
Upon reviewing the information you provided in response to complaint number XXXX, it is clear that the account 's date of first delinquency ( DOFD ) was in XXXX of XXXX or a date earlier than XX/XX/XXXX reported on my credit file. While you claim that it is your right to report to the major credit reporting agencies, the act of knowingly reporting misleading information or engaging in account re-aging is ILLEGAL. 
By changing or failing to provide the date of first delinquency, the FCRA compliance date, it is clear your intend is to reset the clock so as to have more time to collect on this alleged debt. I would like to remind you that it is ILLEGAL to change the purge from date on a negative listing causing it to remain longer on a consumer 's credit report longer than allowed by federal law.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My dad is the owner of a restaurant he accepted cards. So I am the one in charge of the financial with Bank of America so I was watching the batches of friday XX/XX/XXXX of XXXX it appears the Saturday XX/XX/XXXX XXXX it appears to but the one of Sunday XX/XX/XXXX XXXX it does not appear there are some charges of the bank of XXXX and late fee XXXX. And another one so I call the bank and I told them that what happened to the of Sunday that it does not appear in my statement so they tell me that it was a charge from the bank to but my point is why it does not appear on bank statement I want to see it. It was XXXX batch of Sunday XX/XX/XXXX and even argued with them but they dont not solve nothing.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

So this is the 2nd time its been on my credit report I got in contact with the first collection agency and disputed it off of my credit report around early to mid XXXX. Then this new collection agency on XX/XX/XXXX but this back on my credit report but its reporting a lower amount. This debt does not belong to me I have asked for proof and verification with letters. But there has been no response it has been months and its still on my credit report
Consumer complaint received 2022-04-06
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 XXXX Account # XXXX, XXXXviolated 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
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (IL)

This complaint is not a duplicate complaint. This complaint is strictly referenced to Experian. This is regarding The Bank of Missouri Chargeoff and how Experian has not updated the information to Paid. The Charge Off with The Bank of Missouri & the collection through XXXX XXXX XXXX are separate accounts with the same Account # XXXX. 

Account # XXXX XXXX XXXX XXXX/XXXX On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXXi/XXXX has not been updated. I contacted Experian on XX/XX/XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX and XXXX Alert reflecting that the amount was taken from my checking account by mail on XX/XX/XXXX. I spoke with a representative on XX/XX/2021 from Experian and they stated that they are unable to update the chargeoff as Paid. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I would like for Experian to remove the tradeline. If they are unable to, I would like for Experian to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the settlement letter from XXXX XXXX XXXX, the XXXX Alert reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.
Consumer complaint received 2021-06-30
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. (CA)

There is one account on my credit report that does not belong to me I have not opened used or know what this is I need this off my credit report ASAP!!! This is not my account XXXX XXXX XXXX - Account # XXXX Amt {$0.00}
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

credit report not popping up ins sytems. 
XXXX XXXX XX/XX/1994 is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX is my adress
Consumer complaint received 2018-04-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Roach & Murtha, P.C. (NY)

On or aboutXX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX XXXX  to inquire about receiving assistance in reducing my property taxes and I spoke with XXXX XXXX XXXX XXXX  sent me a Docu-sign contract ; however, upon reading the terms of this companies fees I opted not to sign the contract and ended up using the law firm of XXXX XXXX XXXX XXXX XXXX. I continued to receive emails from XXXX XXXX onXX/XX/XXXX and finally onXX/XX/XXXXwere it said that my grievance application had expired. XXXX XXXX XXXX  were able to successfully reduce my taxes over the course of the past 3 years and they have been fully compensated for their legal services. This information can be verified on the XXXX County website and i have copies of the court documents as well.

Sometime in early XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX claiming that I had an unpaid debt of approximately {$3000.00}. When I explained to the person on the line that I did not sign a contract with that company, she put me on the line with an apparent supervisor who informed me that it was a mistake. Since then, XXXX XXXX XXXX   has used various debt collection agencies like XXXX XXXX XXXX and recently, Roach & Murtha to aggressively pursue debt that I do not owe ( there were a few other companies that called me but refused to provide me with any written documentation. ) On Thursday, XX/XX/XXXX a female came to my house at approximately XXXX claiming to be a process server and served my wife with what appeared to be official court summons. But there was no appearance date or time and I was being directed to contact either the Roach & Murtha law firm or XXXX XXXX XXXX directly within twenty days to settle the judgement. When I searched the NYS court website there was no such case on file. I believe this be harassment and a violation of ethical practices.
Consumer complaint received 2018-04-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

In XX/XX/2018, I sent a letter requesting the removal of the XXXX XXXX   from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''
Consumer complaint received 2021-06-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I reviewed copy of my current credit report and show incomplete or inaccurate information listed. The creditor XXXX XXXX XXXX account number XXXX is show this alleged account paid as agreed. This creditor advised that due to payment received succesfully that creditor agree to delete this account. This was a payment received as pay for delete. This is not a dispute by a request for removal due to pay for delete. Please delete this account as creditor has agree to do so.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

The inspection of the loan ( XXXX ) was XX/XX/XXXX with the balance of {$79000.00}. Despite making monthly payments, the current balance as of XX/XX/XXXX is more than {$100000.00}. They are known for these fraudulent activities. 

Rushmore Loan Management XXXX XXXX XXXX XXXX, XXXX, CA XXXX Rushmore illegally overwrite the state and federal laws in loan docs and take advantage of clients trusts.
Consumer complaint received 2018-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

After missing one payment in XX/XX/XXXX, and making two payments on XX/XX/XXXX, in the amount of {$290.00}, the second payment was NOT counted as a payment. Late fees accumulated. 

My subsequent payment on XX/XX/XXXX was ALSO not counted as a payment, and I have been assessed late fees even though it was made at a time when the account was not in arrears. 53 Bank   is refusing to handle this or apply my payments correctly. Their online system does not give a user the ability to designate payments, does not notify users how it designates payments, and there are no statements or alerts whatsoever. This product is clearly designed to chisel people with late fees and is predicated on dishonesty. I want everyone to know that 53 Bank is terrible regarding the basics like accepting payments. All you have to do is miss one payment, and then they have you.

Vile, filthy and disgusting people at 53 Bank.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XX/XX/2022 a mobile deposit was made to my account in the amount of $ XXXXThe very same day 2 transfers were taken from my account in the amounts of {$5000.00} and {$13000.00}. The same day a deposit correction was taken out of my account in the amount of {$17000.00}. None of these trans actions were done by me and I did not receive any notification that these transactions occurred. I did not find out about this until I tried to use my debit card several days later. I have never deposit money in that amount nor transferred money in that amount in all the years I have bank at this institution. The bank did what they called an investigation and said I was responsible. The bank would not give me any information as to where the money was transferred to to the just froze my account and then closed it. I don`t know how someone got my information to be able to do this but I would think that the bank would have better safe guards in place to watch for thins like this.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX |DOB : XX/XX/XXXX This is now my FINAL time writing you about some unverifiable inquiries on my credit report. To recap what I have done so far : 1. I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted Equifax multiple times informing you of this, and you too have failed to verify these inquiries Since neither Equifax or the creditors are able to provide this proof, I am requesting that you abide by the Fair Credit Reporting Act and remove these fraudulent, inaccurate, and unverifiable inquiries that do not have any permissible purpose. Please remove the following inquiries from my credit report immediately : PLEASE SEE ATTACHED DOCUMENTS. ALL DISPUTED INQUIRES ARE CHECK MARKED IN RED FOR EQUIFAX.
Consumer complaint received 2020-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/2020 I received a notification from my credit monitoring that I had a collection added to my credit report. 

I contacted the company, because I didn't receive any notices prior to this being on my credit report. I originally spoke to a manager and stated that I didn't receive any validation period to dispute the validity of the debt. 

He stated that he didn't have to give any period at all. I asked my advocate XXXX XXXX, who is very familiar with FDCPA, and gave him authorization to call on my behalf. 

His phone automatically records conversations since Texas is a 1 party state as per phone recording. 

The manager came on at approximately XXXX seconds of the recording, she stated that they never sent any documentation to me, and their procedure is that they have to send out communication within 5 days of contact. The issue is they put a collection that is not mine on my credit report in the middle of my mortgage loan, as well as when Im being prepared for my annual review for my job. Having derogatory credit could be a potential reason my employment could be jeopardized. 

This tactic can have collection agencies just put items on credit report and extort consumers like myself without any period to dispute the accuracy of the accusation and harm me financially in my case of a XXXX point drop. I have always thought after the collection agency receives the debt, a consumer has a 30 day period so in cases of mine I can send my notarized identification fraud affidavit? I believe this company is abusing collection practice.
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (TX)

First of all this has been going on for well over a year and a half now. I have filed previous reports, and the responses that are received from JPMORGAN Chase are proof as evidence of the company not willing to assist in any resolution. In my last complaint to them, i had advised JP Morgan Chase that i am a victim of identity theft, my wallet was stolen previously well over a year ago. I did call in to report it to the banks fraud department. As a result there were four bank accounts opened in my name two checking and two savings accounts. These were not authorized. I never lived at the address they had on file, XXXX XXXX XXXX XXXX TX XXXX. Yet even when providing them with proof of such evidence that i am a victim of identity theft they refuse to care. Also they put in their last response a copy of an email that was sent from my email when it was hacked. I had to go through actual postal service, get my address re changed due to the fraud person moving my address mail. As well as get my email address back after finding this out. I did not open any XXXX Credit card with you, I did not sign any fraud letters. I did not use these credit cards. I also did not open these checking or savings accounts with your financial institution. Once again i do not care what previous response you have provided or that you are wishing to not respond any further. I did not write any emails to your executive office. That is not my email, and i did not provide you with any information other than my current address. Which it seems per your customer service rep you now stuck internally for these fraudulent bank accounts and credit cards too. This is crazy. You treat victims with abuse.
Consumer complaint received 2018-04-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XX/XX/2018, I sent a letter requesting the removal of the US BANKRUPCTY from my credit report. My rights are protected by the FCRA laws and guidelines which protects consumers such as myself from misinformation being used against them, as of now the credit bureau is not in compliance with these laws. I requested the credit bureau send copies of documentation, court order, and or my authorization of release containing signature. This was not done. I received information stating that the account was updated instead. I have contacted the courts to verify the report of validation in which the credit bureau stated that was done. This is false information. It was stated to me " we did not validate this information nor would we ever. ''
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.