davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (MD)

I have been getting calls fromm NCB Management at my place of employment and I have already set up a payment plan with this company through their website and the first payment had already come out on XX/XX/XXXX of {$75.00} and the next one is scheduled to come out XX/XX/XXXXof {$75.00}. They call my job everyday and I am not getting called into my bosses office about this. I work with kids and I ca n't get away to take these phone calls and if I have a payment arrangement set up and the first payment was already made why do they have to continue to call me like that.
Consumer complaint received 2023-04-07
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXXXXXX 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 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 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Complaint : The both XXXX and Transunion Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ). 

Background : I filed a dispute with ECB per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Additional Facts : Both XXXX and Transunion received Certified Letters on XX/XX/2020 ( See Attachment ) Deadline to Provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Neither XXXX or TransUnion have provided Verifiable Proof that meets the standards of FCRA, and these two accounts still remain on both my XXXX and Transunion credit reports.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

I have contacted Portfolio Recovery reference number XXXXon XX/XX/XXXX andXX/XX/XXXX by certified mail multiple times through written communication advising them this debt was not mines. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the singed contract in question for3 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account.
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have paid on time for the last 5 years and it appears that regardless of what I do my credit score never gets better, which causes me problems when trying to refinance my home and obtain better rates. I'm inclined to believe that the three credit bureaus knows nationality based on names. I think as a consumer this should be investigated. XXXX  do not and will not get the same treatment as our counterparts if we as a country don't look into matters that appear to be fair from looking from outside, but internally the bureaus have underlining agendas that we will never understand. Please take a look into these matters to make sure we are all treated equally as consumers. Credit suppression seems to also exist in this country as well.
Consumer complaint received 2020-12-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (HI)

To whom it may concern, My name is XXXX XXXX XXXX. I am in the United States XXXX. Im a XXXX in the XXXX. I have been in for 14 years. I recently was scammed by possibly two persons. One person is from the state of Florida. 

I was looking for a house rental here in Hawaii and I reached out to a person by the name of XXXX XXXX XXXX. The listing was located at XXXX XXXX XXXX XXXX. XXXX, XXXX Hawaii. The unit was fully furnished, and the rent was {$1600.00} with a security deposit of {$1500.00}. I was told the unit wasnt available for viewing until the XX/XX/XXXX. I was then told to send over the money via PayPal as a downpayment, but I was able to retrieve my money back in the event I was dissatisfied with the listing. I stupidly sent the money over, via PayPal as instructed ( totally {$3100.00} ). I then began wondering a lot more questions and became suspicious. Unfortunately, the money was already sent to the user. The money was sent to the owners/landlords ( XXXX XXXX XXXX, XXXX ), his daughter, XXXX XXXX. I was able to find information on XXXX. She lives at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I found a number on file as well : XXXX. The email associated with XXXX PayPal account is : XXXX. I wasnt able to find any information on the XXXX XXXX person. However, he has been emailing me constantly since I contacted PayPal to try to retrieve my money back. Unfortunately they said they were unable to assist me as when I sent the money using friends and family it voided the Buyer Protection. I contacted my bank XXXX XXXX XXXX to try to refund my money. The investigation is still pending. I have gathered enough information to go to the local police, however, since the information for XXXX XXXX says shes located in Florida, I wanted to also make a complaint/fraud report on her. 

I believe either XXXX or XXXX may also have a XXXX XX/XX/XXXX account, the information is as followed : Bank Name..XXXX XXXX Account Name..XXXX XXXX, XXXX Account Number..XXXX Routing number ... XXXX Acct type ... CheckingBank Address..XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX I have all the documentation to prove what I am talking about. 

Can someone from your department, please send me a confirmation email you received this notice? If you require any supporting documentation, I wont hesitate to send it over. 

I want this scammer to be stopped. I am currently out of {$3100.00} and have to wait for my next 2 paychecks to save up enough to find a place to rent. This has caused me a great financial hardship. 

If you need to contact me, my information is in the signature block. 

v/r XXXX XXXX XXXX XXXX, SC United States XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UMB FINANCIAL CORPORATION (VA)

I have been attempting to close checking and saving account since XX/XX/XXXX, including calling, sending secure message from online banking, and written letter to close accounts. Bank has made it nearly impossible to close the account and is now levying fees as the fee waiver requirements are not being met as all monies have been removed from the accounts in anticipation of closure,
Consumer complaint received 2022-04-26
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. (IL)

The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f 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 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 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 I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion.

Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

4 years ago i had a TD Bank Bank account i keep it in good standing paying all these fees to them. on XX/XX/2014 they overdrafted my account illegality and accept a farude payment made by a merchent that i did not give authorization for to take form my account. in turn they sent me a threating letter of personal harm stating that i am in debt to them. They have broken the law and caused me not to have a bank account with other banks with their Negligence going close to Gross Negligence they did not make me whole and to this day they keep on trying to collect a fraudulent payment that they say i owe them. for 4 years i have been trying to fight these people and they just ignore me
Consumer complaint received 2021-04-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (AZ)

Army, Air Force and Exchange Service XXXX " AAFES ' ) and/or its representative XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards AAFES ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when AAFES and/or its representative TSI began contacting the Defense Finance and Account Service ( " DFAS '' XXXX and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or AAFES to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions. 

Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to XXXX on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off AAFES ' claimed indebtedness only {$130.00} or thereabout, was being applied towards AAFES ' claimed indebtedness and the remaining amount went towards fees. 

Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Management Services, Inc. (MS)

Did not provide me with a copy of my rights Requested itemized statement of debt from company several times and was not provided with one within 5 days per my rights. 
Screamed at me on the phone and would not put me in contact with a supervisor. 
Continues to call me after I have requested them not to contact me.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (WY)

Previously I submitted complaint number XXXX. 
After this complaint I got a letter from " XXXX '' saying she will be taking care of this personally and I can call her with any questions issues concerns etc. I was initially starting to look up at this situation, until I tried to call her. I have been unable to contact XXXX although I've called and left multiple messages ( 4 ) across multiple days. I received a release of lien in the mail shortly after submitting the complaint, and a XXXX message from a stranger .... Telling me that they ( on the other side of the country ) received mail addressed to a " XXXX XXXX '' containing my title and all of my personal information. So now, My title is on the other side of the country, in the hands of a stranger, and I am unable to contact ANYONE at ally about it. This seems like a major breach of personal information and on top of it a further example of the horrendous, unprofessional and inappropriate actions of Ally Financial and Ally Bank.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NM)

At first, the mortgage representative said i was not approved. Then the bank had me sign pre-approval documents through docusign. 
Upon questioning him, he said has going to " cancel '' it. 

Other reps said I was approved and received the loan papers and pre-approval letter. They have been extremely unhelpful
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. ()

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Several times Capital One auto finance has returned my auto loan payment. Each time I've called and their representatives have stated that the money was returned do to an issue with my checking account number. Each time I have contacted XXXX XXXX and their representatives state that Capital One is returning the payments. This makes my payments late and I incur fees!
Consumer complaint received 2020-12-02
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. (DC)

As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX  XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.
Consumer complaint received 2020-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX  XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.
Consumer complaint received 2023-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I respectfully ask the CFPB to fully and thoroughly investigate the fraudulent and illegal conduct committed by XXXX XXXX, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its lead counsel XXXX XXXX XXXX, XXXX. ( XXXX XXXX. XXXX ) and his law firm of XXXX, XXXX, XXXX XXXX XXXX XXXX, for repeated violations of the applicable law, as detailed herein and other violations as deemed proper and necessary in XXXX discretion, not only in my case, but also for any other instances of such predatory and persistent violations of the law, given the fact that XXXX  is XXXX of the largest publicly traded XXXX, engaged in leasing properties to the public. Given the XXXX extent, pervasiveness, and brazen manner with which it has committed these illegal acts, clearly, my case is not the only XXXX, thus fully warranting CFPBs to open a wide ranging case of investigation into XXXX and its more than XXXX affiliated entities operations. 
See attached Complaint Letter and the Exhibits.
Consumer complaint received 2021-10-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is An account on my transunion report. Doctors office agreed to delete from my report once it was paid. I have disputed several times. And I have provided proof that the account was paid. Get this account off of my report!!!!!