davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXXT XXXX, GA and XXXX XXXX XXXX XXXX, GA.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

In XX/XX/XXXX, I nearly lost an M & T Bank savings account with a balance of {$16000.00} to " escheatment, '' defined as " reversion of property to the state when no legal heirs or claimants exist. '' I had opened the account in XX/XX/XXXX, signed up for online banking, regularly went to the website to get my monthly statements, and suddenly discovered that only my checking account remained. I called my M & T branch to investigate the missing savings account and was told it had been deemed " dormant '' and was reported to the State as " abandoned funds '' because I had not made a deposit or withdrawal since XX/XX/XXXX. ( Under Maryland " unclaimed property '' laws, the State can legally grab bank-reported " abandoned '' accounts after only 3 years. ) This was an eventuality no one had warned me of when I opened the account, and I had never received a notice from M & T Bank -- written or otherwise -- that my savings account was in jeopardy owing to " inactivity. '' When I went in person to my M & T branch to show ID, sign a form acknowledging I own the account, and prove I was still alive and kicking, the account was restored to " active '' status, and my savings account reappeared online. I set up $ XXXX  monthly transfers from my checking account ( always very active ) to my savings account to prevent escheatment ever happening again. I want seniors to hear my story. If you think your nest egg is safe because it's in the bank, you should double-check.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

On XXXX 2017 I received a offer from american express for a Delta SkyMiles credit card. The promotion said use the credit card to make a travel with Delta Skymiles and I will received XXXX $ of credit in my Account. Unfortunately, after 5 month I do n't received my credit and now in my account I must to pay this balance.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth 3rd Bank was my bank for many years, and I finally closed my account in XXXX after many years of wrongly being charged for insufficient funds when I actually had the money in my account. This bank does not follow first in, first out guidelines when paying out my funds. They pick and choose which checks they honor, not based on when the checks get processed, thereby causing overdrafts in large numbers. For the year XXXX, they charged me over {$2000.00} in overdraft fees. They also several times held my deposits for over 2 weeks citing the reason being that I had excessive overdrafts! 
I was so upset over the fees in XXXX that I didnt look up the fees for XXXX or XXXX, but even if they decreased by half, that is still a total of {$4000.00} over just 3 years! The reason I didnt close my account earlier is that I got ill and had to concentrate on my health, and as well, I had all my bills attached to Fifth 3rds automatic bill pay.
Consumer complaint received 2017-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2017 I made an online purchase for a pair of sunglasses. The company, XXXX XXXX sent me an email stating they were out of stock and would I like to wait or cancel the order. I immediately sent them an email back stating I wanted to cancel the order. I heard nothing back. I sent numerous follow up emails, attempted to call them several times and got nothing but a recording and no ability to leave a voicemail. This company had charged my credit card and I wanted them to credit my Citi Mastercard for the amount they charged which was {$140.00}. 
Since I had heard nothing back from them and the charge was still on my credit card, I put in a dispute with Citi Mastercard. I sent Citi a paper trail of the emails I sent to this company requesting they cancel my order and credit my account. I waited over a month for an update from them. They then advised me they were closing the dispute in favor of the merchant because I did not have a cancellation number from the merchant. 
This is an unjust decision because the merchant was negligent in responding with a cancellation number, never sent the sunglasses and I have no control over any of those items. I did everything I possibly could to resolve the situation. I believe Citi Mastercard should have done more to protect my rights as a consumer. I called Citi numerous times, spoke to supervisors and they still advised there was nothing they could do to help. They told me that is Mastercard rules and regulations.
Consumer complaint received 2017-11-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: NAM National Arbitration and Mediation (PA)

I received a call from a company name XXXX XXXX XXXX, XXXX stating that they was going to file a lawsuit against me from a company Name XXXX XXXX who they said that i owe a payday loan too.The first price she quoted to me was XXXX. Then she stated that they will settle for XXXX. The person name was XXXX XXXX XXXX. I then Called the company name XXXX XXXX and they stated that they do not have any records on me owing them any payday loan. I gave them all of my information to check the database and nothing came up in my name. So i was told that they do not have any owed payday loan in my name. That when i contacted your company. I also sent you the Settlement Letter they emailes to me. I never responded to there letter and never gave them any money or my account number to withdraw cash. Their email address is as follow : XXXXXXXXXXXX. Address XXXX XXXX XXXX XXXX. # XXXX, XXXX, Ca. XXXX. Phone number XXXX.
Consumer complaint received 2017-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (AL)

It has been brought to my attention that the accounts opened in my name at BBVA Compass in XXXX, Alabama were assessed maintenance and inactivity fees after the balance was brought to XXXX dollars, and subsequently then charged off. It is concerning that a financial institution would assess maintenance and inactivity fees to an inactive account after the balance reached XXXX dollars and then charge off the account, rather than simply closing the account when it reached XXXX dollars. When an account ( s ) does not have activity and the account ( s ) have not been accessed either via online banking, mobile banking, the ATM, nor has the customer contacted the bank, it should not charge fees to account after the balance is XXXX. I would like the bank to reverse the charge off and properly close the account at a XXXX balance, and reverse any negative information reported on me to any outside agency or bureau.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

In XX/XX/2018 National Credit Systems put a debt that was my daughters for a past rental debt they said they put it on my credit because I signed an application that said I was a Guarantor for this debt I was planning on co-signing for it but was told by the assistant manager that they didn't need it then a week after they realized they messed up they wanted me to sign and I refused the apartments XXXX XXXX has never provided me the documentation stating this my daughter paid even more than what was owed due to the fact she needed a place for her sons and they knew it so they would not negotiate on the debt AND made her pay more than was owed!!!!!!!!!! Now I can not get approved for any housing because this is on my credit if I signed something I will shut up and move on but send me the docs with my name that says I am a Guarantor OR TAKE IT OFF ALL MY CREDIT REPORTS NOW!!! This is insane how this collection agency did us how can they put a debt on your credit without a paper trail???????? I continue to send 100s of emails demanding they take this off I am so frustrated!
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I receive at least one phone call every single day from numerous numbers from PORTFOLIO RECOVERY. They have not left one message, I refuse to answer due to being told that if I do, they will restart my open date. Right now I am unable to pay off this debt to financial hardship. I feel as I am being harassed on a daily basis. As they the only debt collector to call me every day using a different number every time. Some say from a XXXX landline, others say XXXX XXXX - VoIP number. This has been going on now for several months if not longer. Thank you.
Consumer complaint received 2021-07-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was informed on XX/XX/XXXX by a mortgage refinancing company that my credit score was only 'fair ' because of a non-payment of {$29.00} for a bank of america/XXXX XXXX credit card in the summer of XXXX i have had that credit card since XXXX and have always been on-time with payments. I no not recall receiving an email or letter informing me of the non or late-payment. the first i knew of it was XX/XX/XXXX when the re-fi company informed me of it. it does not appear there was any attempt to reach out to me about the late payment. 

when i learned of the non-payment, i paid if off immediately over the phone on XX/XX/XXXX. i was told that the card has been cancelled because of non-payment. i requested that bank of america delete the account and inform the credit bureau so that my credit score would be increased. 

As i mentioned, I have been a B of A customer in good standing for almost 30 years. to have the non-payment of a {$29.00} - for which i was not notified - lower my credit score seems unreasonable.

thanks for your prompt attention. 

XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (FL)

CFPB XX/XX/XXXX XXXX XXXX has turned a bill into collections even though I have paid it. 
I have sent XXXX XXXX a letter and talked with them repeatedly, however I can not get past their outsource people to speak with someone who can tell me more. 

XXXX XXXX refuses to send me a statement in the mail ( see attached letter from XX/XX/XXXX ). They insist on sending a statement to an old email address of which I was unaware. When I found out, I called XXXX XXXX and as incredible and stupid as it sounds, XXXX XXXX customer service wouldn't give me information on the account because I don't know the credit card number! I haven't had a XXXX XXXX credit card since XXXX ( see last statement ever received from XXXX XXXX when I did have their card back in XXXX ). They went straight from sending the bill to an email address that sends an automatic reply : Email no longer read from this account, to sending the bill to collections. XXXX XXXX is getting the automated reply but REFUSES TO SEND A STATEMENT TO MY NEW EMAIL AND REFUSES TO MAIL ONE THROUGH USPS ( see letter of XX/XX/XXXX XXXX. 

Now XXXX XXXX has sent what I percieve is an important letter to that old email address. I can not access XXXX XXXX website! I do not have an account, I do not have a credit card, I do not know what they are trying to tell me ( see attached letter from XX/XX/XXXX XXXX, I can not get customer service to tell me! I can not create an account because I do not have a credit card number! 

I am unclear how my purhcase went on a XXXX XXXX card ( since I don't have one ) but I did shop at XXXX XXXX in XXXX XXXX around the time they claim the charge is from. I know I mentioned to the clerk I used to have a card, which she confirmed. But I said I did not want a new card!!!!! So, I was not looking for a XXXX XXXX bill. In my letter to XXXX XXXX I ask them to mail me a statement - they refuse to do so! 

I made a small payment to keep XXXX XXXX off my back till I could get this sorted out. I sent {$20.00} on XX/XX/XXXX. I received a call from them saying I had better pay - I screamed into the phone demending a statement!!!! At least five times I've assked, I've yelled, I've been close to tears, to be sent a statement. NEVER HAS XXXX XXXX SENT ME A STATEMENT. Defeated, I sent {$100.00} on XX/XX/XXXX. I sent another {$50.00} on XX/XX/XXXX. I don't even know if these payments are being applied to the bill they claim I owe. 

I have absolutely no idea how much I supposedly owe! The only amount I was ever told was {$160.00}. I have paid {$170.00}! I do not know what to do to get XXXX XXXX to declare this paid in full and to REMOVE IT FROM DEBT COLLECTIONS! I keep going in circles with XXXX XXXX and I can not get anyone to listen! 

They've ruined my credit over a bill they won't even send me a copy of!
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sterling Credit Corp. (PA)

The telephone number listed is my place of employment. I have requested this man stop calling. XXXX XXXX XXXX XXXX XXXX, XXXX. 
He has called every day this week and I have repeatedly asked him to stop.
Consumer complaint received 2017-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

on the sale of the car nissan took over 30 days to pay off my existing loan with themselves ( old car trading in for new car both where financed through XXXX XXXX ). on the first payment they charged me for the old car and new car. took them over 60 days to figure out what happen and was suppose to have corrected my account. later in the first year in of the loan, i want to say it was XX/XX/XXXXthey say i missed a payment. i sent them my bank account info showing the payment went through at least 3 times over the next 90 days. they kept calling my phone every 30 days saying my payment was late and we would go over the same deal, i would send them the payment info. i was insured my account would be fixed if i sent in the bank statement. 

today i logged on to the site to pay of the loan and now i owe XXXX in late fees, their agent tells me my account is now in collections. i have bank records showing for each month nissan has automatic withdrawal from my account for the monthly balance. 

i am at the point i want to peruse legal action against XX/XX/XXXX, i have done everything i can to satisfy this loan in good standing but they have obvious system issues and are now causing undue hardship
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Fraudulent charges were made to these accounts : 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 2018-06-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Colony Brands, Inc. (IN)

XXXX XXXX XXXX XXXX  BOTH HAVE MERGED OUR TWO ACCOUNTS IN 1. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ARE MERGED TWO
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

I explained thoroughly to the company that they are still showing late payments on a car they already have which is factually inaccurate. the company global lending is also showing that this is an installment loan on my account which is also false. the vehicle is no longer in my possession so i have the right to an accurate profile. gap has paid this financial company so the balance is also incorrect. everything about the report is not accurate. i have the right to an accurate credit profile and this company is making it hard for me to obtain new credit. This company is NOT Authorized to report anything i haven't giving written and expressed consent and must remove this account as such.
Consumer complaint received 2017-11-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter on Monday XX/XX/XXXX from XXXX XXXX, dated XX/XX/XXXX, in an attempt to collect a paid debt. The letter was received after their firm, XXXX and XXXX entered into a settlement agreement with me and filed a Request to Set Aside Default Judgement, supposedly filed on XX/XX/XXXX. My lawyer requested and still has not received a stamped copy of either. There is no entry on the courts docket. 

It 's completely unacceptable, unethical, fraudulent and in violation of the settlement agreement in this case. So, far the only term of the settlement agreement that they have complied with has been the cashing of the settlement check.
Consumer complaint received 2020-05-01
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: ENCORE CAPITAL GROUP INC. (AZ)

improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. XXXX  is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC (CA)

Again, I've been contacted by XXXX XXXX XXXX and threatened with legal action by a lady named XXXX. I told her the first time that she called me that I was not to be called at work and she continues to harass me and then laugh when I tell her it's unacceptable and needs to stop.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

In XXXX my husband and I fell behind on our mortgage due to his being laid off of work and subsequently filed Chapter XXXX bankruptcy protection. Our mortgage at the time was being serviced by Ocwen. We filed chapter XXXX on XXXX XXXX, XXXX and began paying as scheduled by the Chapter XXXX trustee with the understanding that all missed payments were part of the chapter XXXX plan. We continued to pay our mortgage to Ocwen on time each month and at some point our mortgage was sold by Ocwen to XXXX. Now that we are discharged from Chapter XXXX, XXXX is claiming that we are behind dating back to XXXX XXXX when our loan was owned by Ocwen. After contacting Ocwen, they gave me a copy of our payment history and it appears that they were not applying our monthly payments properly, instead of our post-petition Chapter XXXX agreement, they were applying each month to cover past due amounts that were being paid through the Chapter XXXX trustee. I would like Ocwen to fix the accounting errors on my account and work with XXXX to also correct this error. XXXX is reporting us as late every month since were were discharged due to the " missing '' payments that Ocwen misappropriated.
Consumer complaint received 2021-10-09
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. (MS)

Since XX/XX/2021 I have been sending disputes in to ALL 3 BUREAUS and they have failed to conduct an investigation and it has now been 3 months way passed the FCRA timeframe given to investigate at this point the bureaus are now in direct violation and need to permanently delete these items from my report from violating my consumer rights to conduct a proper investigation. Attached is every single dispute that has been sent to the bureaus to investigate. I have also attached my Driver 's License for proof of my identity. Please consider this my written authorization to conduct an investigation. I do not want to have to file a civil suit with a Consumer attorney because the bureaus refuse to do what is right by me as a consumer. 

Thank You