davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I visiteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Truist location to pay some bills. I have been in the location a total of 3 times. I was given a document by XXXX I believe to be forged by the employees at said Truist. The document stated that they were going to trespass me because of my behavior at the branch. I can no longer go into the branch to pay my bills. I believe I am being discriminated against due to my veterans and XXXX status. I have never been rude, threatened anyone, nor even said a cross word while in the location. I called and spoke with customer service over the phone and there were NO annotations in my account as to any negative remarks or mention of the letter in any of my accounts. I asked for both the regional manager 's number and the number of the individual who wrote the letter from corporate security and both of which I was refused. The individual who forged the document needs to be terminated and possibly prosecuted for forgery of bank documents. I would caution anyone who is contemplating banking here against it if the employees at this branch are willing to type letters stating they are from corporate security yet corporate has no documentation of the situation.
Consumer complaint received 2015-11-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Principal Group, LLC (AZ)

NPG National Principal Group XXXX has been calling my cell phone several times a day leaving screaming messages, threatening to use any means necessary to find a family member of mine. They use a recording to state the family member name they are looking for but the rest of the message is live. They state I need to call them right now and provide them the information they seek regarding this family member or they will continue to use any means necessary to locate this person. I called them, a woman answered when I asked for her name and her company name because she just picked up the phone with " hello '' she began screaming at me wanting me to give her my cell phone number. I told her I was n't giving any information until I knew who she was and what company. She said XXXX and NPG. I asked what NPG stood for and she screamed at me stating I needed to allow her to assist me by giving her the information she asked for or she would disconnect. She stated I better let her assist me or she was disconnecting then counted to XXXX and hung up. I called back she answered again. I told her she could tell me what her company name was and why she would be looking for a family member or I would not help her. She then said she could not tell me the " plethora '' of things her company did. I asked what NPG stood for and she finally gave me National Principal Group. I again asked why they would be calling me about a family member. She stated she could n't tell me that until I gave her the family member name or my cell phone. I told her I ca n't give her anything until she tells me what her company does, she again refused to tell me what her company does. I said well then I ca n't help you with the information you seek from me and I hung up.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

Citibank Customer Service informed me that according to their transactions records, they have NO record of any car rental fees from XX/XX/2016 - XX/XX/2016. This card has been closed out by Citibank. {$700.00} owed on the amount in for car rental yet, they have no record of any transaction from the time frame mentioned. Citibank should re adjust the amount they claim I owe on this card. Minus {$700.00} in rental fees they can not locate.
Consumer complaint received 2021-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VEROS CREDIT, LLC. (FL)

I as a consumer and natural person am being accused of owing a alleged debt. I sent them a notice to cease and desist as well as a full satisfaction of claim in good faith on the dates of the XXXX and XXXX of XXXX in which they have yet to send back to me or satisfy. They continually dishonor my cease and desist notice by sending me statements that I owe as well as harassment while im working by continued phone calls. These pratices are unlawful and violate my rights as a consumer. As a result of these practices, I am distressed and my peace of mind has been taken. I am planning on sending them another affidavit to request the original instrument of indebtedness as well as a final notice in good faith to stop all collections activity until all demands in the notice have been rebutted. It is a Fact that I am a federally protected consumer and it is my right to enforce my rights by the XXXX XXXX XXXX XXXX. They still have 30 days from the intial notice of the affidavit of truth enforcing full satisfaction on XX/XX/2020 to do what is right and lawful as stated in UCC 3-311. Still they have violated my rights as stated in 15 U.S.Code 1692c, that after a notice they can not continue to harass me over a alleged debt. I send this complaint to make aware of the practices of VEROS CREDIT LLC which I allegedly owe in hopes to protect other peoples peace and personal information. I also have reason to believe that they unlawfully share false information and have not offered me a option of disclosure of my personal information as my data and information are very valuable to me and I perfer to keep it private. They have made multiple attempts to pull money from my bank account in which I didnt have enough money and left me in overdraft. This is effecting my living situation and my social and financial stability and is considered abuse to me. It is likely that they used my personal information to imply that I gave them authority to pull money out of my account. There has been more then 27 missed calls since the initial notice to cease and desist on the date of XXXX of XX/XX/2020. Please I ask of you to investigate the lawfulness of there practices for I do not wish to file for arbitration however if it is nessasary and these practices continue on there behalf, I will have no choice but to take legal action and demand further remedy. Thank you.
Consumer complaint received 2015-06-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

On XXXX/XXXX/15 we were contacted by XXXX XXXX ( XXXX ext XXXX ) who advised me that we had been approved for an FHA modification. She said we were on a 3-month trial period payment plan and that after successfully making the 3 months payments on time ( XX/XX/XXXX, XX/XX/XXXX and XXXX ), our interest would drop from 5.25 % to 4 % and our payments would become lower than the trial period payment plan payments were. She said there would be no principal reduction. I just called to find out what our new lower payment would be beginning in XX/XX/XXXX and was told that we had to continue making the higher trial period payment plan payments because the paperwork had not been finalized. I was also advised that it could take 3 or 4 months for the modification to become final and we could begin making the lower payments.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE
Consumer complaint received 2015-05-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rushmore Service Center, LLC (AL)

I received a letter from XXXX Center about a debt. It was original XXXX, In Which I did have a card. When I called XXXX center, to get an explanation of the debt and how did they arrive at that amount I was told they did n't have the information. How can someone asked me to pay a debt but ca n't explain to me how they arrived at that balance.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I upgraded my XXXX  through the XXXX XXXX XXXX offered by XXXX XXXX  a few times over the past year. It is my experience that opening a new XXXX XXXX XXXX loan would result in a soft credit inquiry, which provides XXXX XXXX  access to my credit report information, but such inquiry is not visible to any other creditors, and would not have any impact on my credit score. I have also been advised by a representative of XXXX XXXX  that when upgrading an XXXX already part of the XXXX XXXX XXXX, a credit check is not performed at all ( no soft or hard credit inquiries ) as it is considered a renewal of the loan based on credit already extended using previously acquired credit information. Unfortunately, during the upgrades on XX/XX/XXXX and XX/XX/XXXX, a hard inquiry was placed on my Equifax credit report, causing an impact to my credit score. Im requesting such inquiries be removed from my Equifax credit report ( and other credit bureaus if any were affected. )
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I agreed to credit repair service with XXXX for a fee of {$130.00} per month. In return they were to get negative accounts removed from the three credit reporting agencies. After having conversations with two very affable paralegals, none of what they promised, during the conversations, ever transpired. I called yesterday to cancel the service. I was advised that I had an outstanding balance of $ XXXX I told them I would not pay. They said it would be withdrawn from my account. I have a meeting with my bank, XXXX XXXX, to stop payment. 

I feel I have been duped and would like the fees I was charged to be returned. My FICO score went down while they were working on my case. I am in worse shape now than before agreeing to their service.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have obtained my credit report and found there accounts I never opened, addresses I never resided, inquiries I never made and even a different variations to my name. I also found this account that I believe not to be mine from LVNV Funding LLC. It is in the amount of {$1400.00}. I am not liable for this debt and I do not have a contract with said company. Police Report and FTC Affidavit are attached with this complaint along with disputes sent to the bureaus. I also filed complaints thru XXXX Please delete this account from my credit report at once.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Quality Asset Recovery LLC (FL)

I am a victim of identity theft according to the IRS I put a alert out to all three credit bureaus yeah and XXXX  is the only one to have fixed most of my account except one collections account its not in there but XXXX and XXXX XXXX still have XXXX XXXX agency is that are not mine even though I told him I was a victim of I dont like that and I was part of the XXXX breach which Ive been informed from the XXXX breach settlement these are the collections accounts that have been already taken off XXXX but still show n XXXX  and XXXX XXXX That I dont recognize - 1 ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX XXXX ) Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$600.00} Amount {$600.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX ) Date Reported : XXXX XXXX, XXXX Collection Agency QUALITY ASSET RECOVERY, LLC Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$720.00} Amount {$720.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # # # XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER Contact QUALITY ASSET RECOVERY, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed this negative entry on my transunion credit report twice. It does not belong to me. I am pretty sure it belonged to my father whose name was also XXXX XXXX. He is deceased so I ca n't verify with him. XXXX removed it because they verified it was n't valid, however Transunion will not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- XXXX XXXX XXXX {$730.00} High Balance {$730.00} Remarks Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (NC)

On XX/XX/2023 I went to the local gas station a XXXX station and purchased XXXX dollars in gas. I used my XXXX pay app to pay for the gas. My XXXX account is connected to this app, and my Chime bank account is connected to the XXXX app to cover any monies that is not in my XXXX account. XXXX put XXXX hold on my card until finished getting gas, which was fine. Once I finished getting gas, the hold was released and the transaction was completed for {$20.00}. On XX/XX/XXXX, at XXXX pm CHIME Bank took {$100.00} out of my account, as a new transaction that is still showing pending, resulting In a negative balance. As a result I am unable to pay for electricity and gas to go to work. I contacted XXXX and XXXX first to confirm they have know knowledge of this transaction for XXXX and that the hold for the gas I purchased on the XXXX had been released amd returned already. I then called CHIME and have got nothing but the runaround and they don't seem to care or understand that have taken money from me in error, that I need to live amd survive. Please help
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2015-11-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Asking for a refund for fees charged to my account in the amount of XXXX asking for a refund for the charges XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I have been trying to get the address to file a small claims suit against Bank of America in Utah. I get no help from any of the contacts I have made to Bank of America. I also did not receive the information in my last complaint. There were many errors on when my modification was done. My request is simple. I need the name, address etc. to who I can serve a small claims suit to in XXXX XXXX XXXX Utah.
Consumer complaint received 2021-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Credit & Collection, Inc. (IL)

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

I have been trying for almost 4 weeks to get a Reverse Mortgage thru Security One and the process is being held up because there is a lien release that was never processed by Chase. Security One has asked Chase on XXXX separate occasions. Twice they have claimed to have never gotten the request and the third time they said they can not locate the loan or it 's existence and need another 15 days for research. They have been asked all three time to rush this request.
Consumer complaint received 2015-04-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (PA)

I have had many issues with my lender since XX/XX/XXXX - presentI have attended the XXXX Save your Home Project where I was denied the opportunity to save my home. The lawyers representing US Bank XXXX, XXXX and XXXX XXXX sent a attorney XXXX XXXX who was at the conference hearing and me and my husband explain our financial hardship and the unexpected XXXX XXXX of Our Son and the unexpected funeral cost that had hit us all XXXX. XXXX said the loss of our son was not her concern. How could we pay balance due at this time. 
I did not found out until XX/XX/XXXX that my FHA loan could have been modified. 
I was sending the needed paper work that US bank ask me for and I did not know that I should have used a housing counselor because of the format needed to be use to have my housing documents legal done. 
Today we are facing a sheriff sale dated for XX/XX/XXXX summit another modification package to US Bank requested by my Default resolution manager XXXX XXXX who I have corresponded with over the last XXXX years XXXX ext.. XXXX package was reviewed and a decision was made within XXXX days and he told me I was not eligible for a modification or hamp and I could not file a Appeal. 
All the housing counselors I have used have been complaint with US Bank but they have not been or has US Bank tried to help me with my home but XXXX and I stated to them I could not honor the modification they presented because I would be in default again. Then I must wait XXXX months to be eligible for assistance and this just made matters worst but I was following the advice of US Bank. I never got a fair chance to save my home by XXXX XXXX I 'm facing the unbearable truth of being homeless.
Consumer complaint received 2015-07-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I cancelled my credit card by phone before the yearly fee was due. Nothing is owed on the card. After several times and many hours on the phone, the bill for the $ XXXX yearly fee keeps coming. On the phone, three times they said it was resolved and the fee cancelled. My credit rating dropped from XXXX to XXXX, with no other change to my finances.
Consumer complaint received 2016-06-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had a credit card with Bank of America and was never late with a payment I was hospitalized in XXXX 2013 and released in XXXX 2013. I went to the branch on XXXX XXXX XXXX in XXXX Florida 2 days after my release to make a direct payment. I was assured by the branch associate that my payment would be posted and my account was still in good standing. The following month the account was closed before my next bill due date
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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.