davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-27
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NC)

I took out a payday loan with Ace Cash months ago. Unfortunately, I experienced some financial hardships and my mother unexpectedly passed away during XXXX 2015. With this being said, I have received multiple harassing and threatening calls from the following agencies : Ace Cash, XXXX and XXXX ( XXXX ). I 've been threatened by way of voicemail : stating that a lawsuit would be filed, a sheriff would come to my home or job, phone calls would be made to my employer to obtain my income and so forth. I have never received any collection correspondence via mail but I do have XXXX saved voicemails in which XXXX different collection agents are threatening me with legal proceedings. The contact numbers for all agencies are the following : XXXX, XXXX, XXXX & XXXX. My XXXX account was charged without my approval for {$60.00} today vs. {$50.00}. When I complained the collection agency threatened me again with legal proceedings. Subsequently, I canceled my debit card and I have filed a dispute with my bank. Rep. XXXX XXXX with XXXX agreed to send me something in writing via email to no avail.
Consumer complaint received 2015-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Dear XXXX, my complaint against Ocwen has XXXX issues : A ) No paper statements for several months in various episodes, B ) No online access to my account, C ) Late fees charged several times on purpose and for no reason/excuse.
Consumer complaint received 2015-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TX)

This company reported to my XXXX credit reports this account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account. On XXXX XXXX 2015, the same collection company started sending me demand letters AGAiN. 

FYI MCM~ I have all my records and if you continue to demand payment on this account that was deleted and was not verified as mine AND/OR Re -Report any credit bureau, I will retain an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury fro you ( MCM ), deliberate actions. Not to mention, filing a complaint XXXX for illegal and unfair practices.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, 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 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I have been disputing an account with CitiCard since the beginning of XX/XX/XXXX when they reported an account that was past due. This account was settled and paid off in XX/XX/XXXX. I have spoken to CitiCard and they sent me a letter stating there was a XXXX balance. Still unresolved. I submitted a dispute through here, and CitiCard came back and said the past due balance was correct. It is not. I am attaching the letter stating the XXXX balance, and the dispute resolution contradicting their first letter. I also spoke to the law office today who handled the pay off and they are emailing me a XXXX balance letter and stated that CitiCard in XX/XX/XXXX was notified the account was paid.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent transuion a cease and desist notice, affidavit of truth and bill of particulars notices. I have called transuion numerous times to dispute inaccurate, unverified and unauthorized items on my report. Transuion has continued to break federal law and violate my consumer rights. Pursuant to 15 usc 1681b, a CRA can only furnish a report with written instructions from the consumer and I have NOT given you written authorization.
Consumer complaint received 2017-09-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (TX)

This company National Credit Systems is reporting i owe an apartment community XXXX when in fact that is n't true. In XX/XX/2016 the judge in XXXX texas ruled that we only had to pay one month past due rent which is public record now and this company is reporting an amount XXXX above what the judgement was. Not only that this company never contacted me to verify anything. The apartment community didnt take us to court for anything after. Its illegal to report a lie.
Consumer complaint received 2015-08-31
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY (NC)

FHA Loan Refinance initiated on XXXX/XXXX/15. It has been almost 3 months and no one can tell me a clear status of the loan. I am told that it has passed underwriting but is in review by FHA. I called FHA and they claim that FHA does not review loans. The credit scores and loan to debt ratio are supposedly ok. 

I have been given at least XXXX targeted closing dates that come and go with no clear explanation. The people I was working with initially all have disconnected numbers. All efforts to escalate have not been effective
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX and XXXX XXXX BANK XXXX that I haven't been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX ( XX/XX/2023 ) & XXXXXXXX XXXX XXXX XXXXXXXX for the month of ( XXXX & XX/XX/2023 ), be updated to paid as agreed on time and NOT DELETED
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

XXXX CA XXXX I am writing this letter to notify CFPB of multiple violations of FDCPA guidelines during CITIbank Attempt to collect on my Home Depot Credit card and to request compensation for these multiple violations. 

I received 2 calls from citi on XX/XX/2023 2 calls on XX/XX/2023 2 calls XX/XX/2023 And 2 calls on XX/XX/2023 8 received 8 calls from citi within a 4 day time period. This is a violation of FDCPA frequency of calls. Which does not allow more than 7 attempts during a 7 day time period On XX/XX/2023 I received a call from Citibank collections at XXXX XXXX. At that time I was at work and declined the call. Citibank immediately called me back within the same minute at XXXX causing my phone to ring back to back while I was at work. This caused me distress and worry that I could be written up. 
This is a direct violation of FDCPA 806. Harassment or abuse 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
On XX/XX/XXXX I called Citibank back to discuss my account. I explained my current hardship and notified CITIbank that I was unable to give an expected date of payment. At that time I also notified Citibank of the previously listed violations and requested the follow FDCPA guidelines. 

XX/XX/XXXX XXXX XXXX  XXXX minute XXXX second call ( 6 days later ) I received another call from Citibank regarding my Home Depot credit card. 

This call was also a violation of fdcpa guidelines listed below and above by calling me before the 7 day time frame had passed. 
XX/XX/XXXX XXXX XXXX  XXXX min XXXX second call I received another call from citi regarding my Home Depot credit card. This call again was in violation of FDCPA guidelines as I had just spoken with citi 5 days before. I spoke with XXXX XXXX and XXXX  XXXX. During this call I reported to XXXX and XXXX the multiple fdcpa guideline violations. I let them know I had no issue with Citibank calling be as long as the followed fdcpa guidelines while doing so. 

XX/XX/XXXX. XXXX minute XXXX second call I received another call from Citibank in violation of FDCPA guidelines as I had just spoken with citi 3 days before and detailed the fact that I was unable to make payment at that time. 

XX/XX/XXXX I received a call from citi bank XXXX XXXX  XX/XX/XXXX I received a call from Citibank at XXXX XXXX  these back to back calls were declined Citi had denied these violations even though I provided them with phone records to prove it.
Consumer complaint received 2015-08-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

I have a check account with chase ( basic Account with no overdraft autorizacion or allow ) I was out of the country on vacations and when I return I find out that my account was close for overdraft for fees with I never authorize or agree On. Please investigate this uncomplianc conduct from the bank
Consumer complaint received 2016-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

Submitted {$2000.00} via certified mail with return receipt including a letter indicating that the contained amount was to be applied to the principle amount of my student loan. Loan provider claimed to have only received {$1000.00}, in spite of the fact that both USPS issued money orders were contained within the same envelope, and arrived unopened at the loan carrier 's PO box which was confirmed by return receipt. Following this, I was told that they had found the " missing '' {$1000.00} and applied both it and the other {$1000.00} money order toward the principle balance. I was also told that any monthly payment over {$50.00} was strictly against " policy '', but that the monies I had sent would be submitted only toward the principle. Recently I received statements from my student loan company ( Navient ), and I noticed something strange. While my payments continued, my principle balance remained the same. In addition the other {$1000.00} had not been applied toward my principle balanced as agreed upon. Upon calling Navient, I was told that any letter dictating how my funds were used were either discarded or ignored. I was also informed that any funds submitted regardless of requests was spent on interest first, and whatever was left is spent on the principle. Again I was restricted from increasing my monthly payment, and was not allowed to make a lump payment toward the principle ; instead I have only been allowed to pay less than they charge for interest ( XXXX/mo ). As it stands, I should have owed less than {$400.00} by now. I attempted to resolve this issue, but I could achieve no solution with Navient.
Consumer complaint received 2024-02-15
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. (TX)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Consumer complaint received 2015-07-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (IL)

In XXXX of 2014 a contract was written for the sale of the property address of XXXX XXXX XXXX with Chase being the primary mortgage holder. There are also XXXX junior liens on the property. An offer in the amount of XXXX was submitted via a short sale. The XXXX and XXXX lien holders accepted, however, Chase rejected the offer over a {$1500.00} shortage. The seller, the buyer, the agents and the attorney all offered to compensate for the XXXX difference and Chase further rejected to help settle and close this case. 8 months later the buyers decided to move on thus causing this deal to have to re-start. Another offer has been secured and we need for Chase to offer full cooperation in the sale of this property especially while the property is desirable.
Consumer complaint received 2024-02-08
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. (TX)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2022-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (MD)

On XX/XX/XXXX I opened a non-descript letter that happened to be a debt collector for XXXX XXXX. The service fees had already been paid. I attempted to reach the debt colletor A.R.M. solutions. The debt colletor will not answer the phone. The line was automatically dropped after about 10 minutes of holding. 
This debt collector company is not operating in good faith if they can send a letter but not provide legitimate numbers to contact them for follow-up.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Hello XXXX XXXX XXXX of XXXX Texas. Since the end of XX/XX/XXXX I havent been able to have access to my account nor have any funds via Chase Bank. Ive been calling and going into different branches almost everyday since XXXX and still the same result. Were told that I would receive my check around thanksgiving holidays but now its XX/XX/XXXX and Im still without my money. Im reaching out for my story to be shared so I can receive assistance to gain access to my money.
Consumer complaint received 2023-05-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Accounts, Inc. (ND)

When the Collection initially hit my credit report, I called and asked for an itemized debt breakdown. They said they would get back to me. I hear nothing for months, even with multiple callbacks. This was in XXXX of XXXX, If I recall correctly. 
In XXXX of this year, I finally sent an email that it was against the law not to provide a copy of the itemized debt. Then I did not hear a response again for over a month, so I submitted this to all three credit Bureaus. XXXX and XXXX removed it due to the breach of law with the documentation I provided. Even though they breached the law, they keep reporting to XXXX that the debt is valid.
Consumer complaint received 2015-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This credit account is inaccurate because the late payments reported are incorrect. The late payments correspond to errors committed by XXXX XXXX XXXX XXXX. XXXX XXXX unilaterally and incorrectly directed the monthly payments to payment of insurance, this error was subsequently corrected ( prove of the inaccuracy ) ; nevertheless the late payments continue to appear on my report. I am requesting that the account is removed due to this inaccuracy.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have a credit card through citizens bank. Recently I missed a payment and paid late. After paying everything off I contacted the customer support to make sure that everything was good. I double checked about all extra fees and costs, specifically asking them about any extra fees. The representative assured me that there would be no extra fees after paying the amount in full. The following month, I discovered that they had still charged extra interest on my account. I called customer support and their resolution was to not hold their representative accountable and to still charge my interest to my account.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion shows an incorrect address in my history. They show an address in a state in which I never lived. There is no way to remove it because no person answers the phone and the phone options do not inlude change of information. My sister is having a similar problem. There is no one to speak to and the option that is needed to further the call does not exist.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed an account on my credit report with Transunion over XXXX times in the last six months. I advised Transunion that the information the US Dept of Education is reporting is incorrect. US Dept of Education is reporting that I have a monthly payment of {$3400.00}. I have also disputed this with the Dept of Education. The loan amount is only $ 4K so how can you have a payment of {$3400.00}. Transunion is not verifying this information as the last time I called in to dispute was XXXX/XXXX/2015 and transunion completed the dispute and emailed me on XXXX/XXXX/2015 with no change to the account. This action is causing me to look like I have high monthly payments and is causing me to be denied credit. The FCRA requires that information reported is accurate and detailed. I plan to contact an attorney to see about possible litigation against Transunion if this is not resolved. The other bureaus does not show a payment for this account.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.