davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (GA)

I have been disputing an account that does not belong to me with National Credit Systems since 2009. The account was removed from my credit with the Credit bureaus. Now, National Credit systems has placed the account that was removed 6 years later back on my credit. I have contacted National credit certified mail just like I did 6 years ago, and still no response back from them. National Credit Systems has never sent me a billing statement, a response letter, or a notice stating my right to dispute. They do not send anything. Instead, they just keep accessing my credit report without my consent. I have never opened an account with National Credit Systems, therefore, it is illegal for them to possess any of my personal information. I have never done business with National Credit Systems, therefore, it should be illegal for them to access my credit file. I did not do business with National Credit Systems, therefore, they have no right to list or continue to list this account that does not belong to me on my credit file.
Consumer complaint received 2016-12-04
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: U.S. BANCORP (CA)

I was contacted by a person stating that his name was XXXX with XXXX, and he stated that I defrauded a financial institution from XX/XX/XXXX-XX/XX/XXXX and I have never ever done this.
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NY)

As result of COVID-19 I went into a Forbearance Plan. I am now in a position to start paying my mortgage. I have reached out to US Bank and I advised that I am ready to go back on payment schedule. I have been told on multiple occasions and it had been fully documented that my monthly payment was to be be {$3300.00} however they keep sending my paperwork advising me that the payment should be {$3400.00} which is incorrect. They keep telling me it is because of an escrow shortage however I paid the escrow shortage in XXXX of 2020 yet the continue to send me the incorrect documentation.US Bank has not acted in good faith they have given me the run around and they continue to do so. When I spoke to XXXX XXXX at US Bank he had advised me that they received my escrow check they cashed
Consumer complaint received 2016-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

EXPERIAN fails to remove the XXXX account. EXPERIAN reports incorrectly that this account is paid monthly. EXPERIAN reports incorrectly this medical account is an open account. XXXX reports incorrectly the date of first delinquency. EXPERIAN fails to verify the authenticity of this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2015-04-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (FL)

Federal or Private loan : I do n't know because this is a fraudulent loan that I never received. 

I have filed more then XXXX complaints over the same exact illegal, non existing student loans. I have never received these funds. XXXX XXXX XXXX XXXX XXXX has refused to validate the loan. They have lied multiple times including stating they were a candy shop to collect information. They have called my neighbors in attempts to locate me. They have treated to file a police report if I report them. I have already filed these complaints with the Federal Government. 

This loan is resurfacing. I also have these fraudulent loans showing up on my credit reports as " wright-offs ''. There has been zero accountability from any of the companies involved with collecting the money, selling the fraudulent loans to new companies, and no company has been required to provide information about the loan. 

I asked in XXXX ( before I graduated collection ) for proof of this loan. Instead of mailing me the fraud packet, the company sent me letters stating they would report me to the police for filling false charges. In XXXX, XXXX, XXXX, and now XXXX, I have filed statements requesting this company prove these loans existed. 

There was only XXXX loan during this time, not XXXX loans. 100 % of the loan is currently at another bank. The loan is not late and the bank has not attempted to collect because I am still in college. 

This company has violated ( XXXX ) the fair credit report act XXXX XXXX XXXX the collections act. I seek damages for the destruction of my credit reports. I seek damages for the years and years of stress and humiliation. I can not even answer my phone because of these fake loans. XXXX time, the agent at XXXX XXXX XXXX XXXX XXXX acted as a client to book an appointment at my work. 

However, I have already been in contact with legal counsel and I plan on building a lawsuit against this bank.
Consumer complaint received 2022-02-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (MI)

While working with a construction company XXXX XXXX XXXX ) to have our newly purchased home updated with a new roof and siding we were directed to EnerBank USA to help finance the project. They offered us a 1 year " Same As Cash '' loan of {$65000.00} that would come due in full on XX/XX/2022 with no interest charged. If it was not paid by that date, back interest would be charged at 17.99 %. 
On XX/XX/2022 I directed my banks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to pay off the loan in 2 payments of {$57000.00} and {$8300.00} respectively. The check from XXXX was received by EnerBank and credited to the account on XX/XX/2022. The check from XXXX was not credited to the account until XX/XX/2022. On XX/XX/2022 I received a letter from EnerBank USA dated XX/XX/2022 stating that since I had not paid the account in full by XX/XX/2022, it was now considered a " Fixed Rate Installment Loan '' with a balance of {$66000.00}. Meaning that they had added {$8900.00} in interest to the balance. 
I immediately called the number on the letter ( XXXX ) and after 25 minutes on hold, spoke to an agent who told me that the only thing she could do was to refer the matter to the management team who would review the situation and call me back. On XX/XX/2022 I receive a call with their decision that would " graciously '' wave the back interest if I agreed to pay {$110.00} for the new interest that had accrued since XX/XX/2022. In order to stop the harassment, I gave them my XXXX bank account information over the phone to cover the interest charge. 
I have a " Letter of intent '' from XXXX that shows that the funds were withdrawn from my account on XX/XX/2022 and mailed in the form of a check ( because EnerBank USA does not accept electronic payments ) on XX/XX/2022 XXXX XXXX XXXX with an expected arrival date of XX/XX/2022. XXXX 's claim that it took 8 days for them to receive and process the payment is belied by the fact that check from XXXX was received and process in only 3 days. It is my contention that they deliberately delayed the processing in order to extort money from me.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Trans Union has reported that they were able to verify a debt XXXX XXXX reported on my credit report. I have requested debt validation by mail and also by a request by the Consumer Financial Protection Bureau and have not received any response from XXXX, which violates my rights. How is it they repond to your company within 30 days and no one else. 

I would like Trans Union to explain in detail the information they received from XXXX to prove the debt they are verifying. How is it that they received documents and not me? How is it XXXX responds to them and not the federal government. Please give details of dates and departments that responded on behalf of XXXX to Trans Unions. There is also no phone number listed for the XXXX account. Please give me the phone number
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (IL)

I have been a card holder of American Express since XXXX. I owned my own business until XXXX. American Express had a product for small business it was an open line of credit. Mine was {$65000.00}. I would borrow and pay back, borrow, pay back etc. When the great recession hit my line was suspended ( through no fault of my own, I personally had a FICO score of XXXX and paid faithfully ). This left my business in a lurch, but I 've managed to pay off almost the full {$42000.00} balance over the years. My problem now is I am down to a current balance of {$2200.00} because of late fees and a 25 % percent " penalty interest ''. I requested American Express settle the account with a payment from me for {$1300.00}. They said they do not settle with people. Also AMEX said I would have to pay {$440.00} before they could even begin to reconsider lowering the interest charge. Is n't ' this extortion? AMEX became a bank so they could borrow Federal Tax Payer dollars at Zero % interest and bail themselves out. WHERE IS MY BAIL OUT?
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Documents supplied according to the Creditor ( I never agreed to any service or product ) - show agreement of debt but the documents are not any agreement but a receipt of my own personal belongings that were returned to me. Please see the complaint mentioned above- BCFP suggested that I dispute this negative report to the collection agencies through you since I have already disputed it with the original " creditor '' without results vs the debt collection agency complaint that I had already filed. 
Please reference previous complaint # Per Complaint # XXXX
Consumer complaint received 2016-07-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The quicksilver capital one credit card sent me a letter for me to sign up for their credit card. 
I called their customer service number to see if I can be taken off their mailing list. They make it impossible to be removed from their mailing list if one has a XXXX with the USPS which I have. They asked me to leave my name on their recorded along with my address and phone number. They are obviously doing something wrong. They also are in business with XXXX.
Consumer complaint received 2015-07-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

Asset Acceptance has been pursing me since XX/XX/XXXX. I was summons to court and the judge threw the case out in XX/XX/XXXX. Now they have re opened the case and are trying to garnish my wages. I have contacted The Attorney General, I was informed AA has been under investigation for years, per email I was told to contact CFPB and file a complaint. AA has not contacted me or sent me paperwork, I only found out through the XXXX County Clerk of Courts doing a random search of records for my name. I am not sure what to do at this point.
Consumer complaint received 2018-03-17
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: I.C. System, Inc. (FL)

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX I C System To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between I C System and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely Name
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, 2021, received message from XXXX XXXX XXXX, that my credit file just received a credit inquiry and I knew it was not me. 
The inquiry came from SYNCHRONY/AMAZON, phone XXXX, after about 30 minutes of going thru all different departments, I was told to ask for a CUSTOMER CARE AGENT, explained to them and they sent me to their INVESTAGATION DEPARTMENT, I spoke to a man named XXXX, he took all my info. and agreed with me that my inquiry was from a fraudulent individual. XXXX told me they would send a message to XXXX XXXX, telling them that they are DELETING their credit inquiry, and ask that XXXX XXXX likewise remove the inquiry from my report As of todays date XXXX XXXX, 2021, XXXX has not received word from SYNCHRONY BANK!
Consumer complaint received 2015-08-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Seattle Service Bureau, Inc (GA)

I filed a complaint with the CFPB on the original creditor after ( case # XXXX, I also submitted paperwork from my insurance company that clearly showed that I didn ; t owe this bill and now they have turned it over to a collection agency,
Consumer complaint received 2015-08-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (LA)

I have contacted chase Bank in regards to a Loan the have reported on my credit report. I had a previous case and they sent a letter with some information but it does n't give information as too what happen to the account balance. They said it was a CD, I did not have a CD It was a secured loan from my savings acct. There should not be a balance left. The person I spoke with XXXX, asked me for information on the loan and any paperwork I may have. They need to remove this from my credit report. I believe a cover up is trying to take place. Please assist in getting to the bottom of this issue. The previous case number is XXXX.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Arbitration — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One has intimidated and harasses me and are trying to extort over $ XXXXCapital One was informed I was in bankruptcy and they would be paid via bankruptcy, days before the hearing date they went to local court the get a lien on my home knowing the lien search world not find the lien on the bankruptcy hearing date. On the hearing date they had no abjection the discharge and did not disclosed the lien. I am selling the home now a short sale only to find the lien is still in affect after they got paid. what a great scam!!!!
Consumer complaint received 2024-02-14
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. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TN)

My checking account with Suntrust is closed without any information. Its been closed for over 2 months now. I call every week for an update and they do not have any. That was my only bank account i used for everything. It caused an inconvenience for me because i used that to pay all my bills. I was left with nothing.
Consumer complaint received 2021-01-26
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. (CO)

XXXX XXXX XXXX XXXX reported a derogatory mark on my payment in XXXX stating it was 30 days overdue. I have documents supporting both XXXX and XXXX payments were made on time which I have submitted to the company and they will not remove the late payment. I am trying to refinance and am waiting for this removal to do so as it greatly impacts my credit score. I raised the original issue with XXXX XXXX  in XXXX to which they replied there was not enough information ( I submitted proof of payment for both months just in case ). 

It is very difficult to get in touch with a representative for customer service and they do not allow credit dispute over the phone which creates a very lengthy and unnecessary process.
Consumer complaint received 2022-09-05
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. (FL)

Delete Late payments from XXXX XXXX XXXX  from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

ACCOUNT : XXXX XXXX was granted a judgement against me. 

Status and information is incorrect. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. 

I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

This is a new complaint filed on behalf of a previously filed claim which is still unresolved. ( Case # XXXX ) In short we attempted to refinance with Wells Fargo back in XXXX of 2013. We were given a " good faith '' estimate of 45 days once we signed on and our rate was locked. Fast forward to 120 days and it still had n't been completed with no end in sight. The finishing point was repeatedly changed throughout the process and we were given false hope such as telling us the refinance would be ready to be signed and finished on a certain day. Then that day would come to pass without hearing a peep from them. In the time that was wasted by Wells Fargo we had lost 3 months of savings from our attempted refinance from their original " good faith '' estimate. In the previous complaint in their initial response Wells Fargo claimed that they did a " thorough search '' and the refinance was " appropriately handled '' and that they would look further into the matter if I provided them with additional information such as a social security number or the names of the people we worked with. I spoke with them by phone prior to their initial response and I find their claim of doing a " thorough search '' comical considering they could have asked me for the additional information before coming to their conclusion. Since I provided them with the additional information they requested it has been about 2 months. I have received I believe XXXX letters of delay and it does n't seem like they are interested in doing their due diligence on this matter. Just the same as they did with our attempted refinance.
Consumer complaint received 2022-02-12
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX