davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MO)

I got divorced from my ex husband because he was n't good at money and he was XXXX. So after the divorce was final i paid and settled my account with XXXX debt collection agency. And i requested that i get a receipt showing i paid it. I had called US bank after that asking what was going. They did n't show anything on the account with the local branch and the customer service line. XXXX told me to call the recovery dept to see if i owed anything. And sure enough XXXX said i did. I do n't see how this is fair because the debt is paid off and second they should of communicated to XXXX about the account before having people call me and cause XXXX on me and my family. Well on XXXX XXXX or XXXX i received a harassing phone call from XXXX. XXXX told me i need to tell him if i am going to pay it or not. And if not then he will take me to court. Was n't friendly at all. So i was scared and cried after that. Poor service
Consumer complaint received 2022-09-06
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2023-03-28
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022.
Consumer complaint received 2016-06-07
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Merchants and Medical Credit Corporation, Inc. (AL)

Has contacted me repeatedly via a third party. Insist that they have sent me information regarding a debt. I have never seen the original debt nor the communications from the collection agency because they refuse to send. Agents have refuse to give me adequate information to validate the debt such as account number, original debt amount, company, and dates. Agents will not give me information regarding their agency and its validity such as name and number of who is calling. One particular agent used heated conversation as well as said " I have to pay or else '' and implied I was breaking the law.
Consumer complaint received 2022-09-06
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. (PA)

I am XXXX XXXXXXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX/XXXX  XXXXBalance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXXBalance : {$1300.00}
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

My wife and I have a Macy 's credit card. Today I received, in the mail, a notice that they had automatically enrolled us in credit protection program and would charge for this monthly based upon the outstanding balance. I called them and cancelled as I did not want nor ask for this. The reason I am writing is to complain about Macy 's in the context that it should have been an " opt in '' program not something that they could process to customers in an underhanded way and hope that people missed the notice and they could bill them. It was just lucky I read the notice and could just as easily missed it.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

CFPB COMPLAINT # XXXX was created and submitted on XX/XX/XXXX with the following information : LexusNexus is transmitting credit reports to XXXX parties that include negative information that is more than XXXX XXXX XXXX. 

My consideration for a {$350000.00} loan was challenged based on the credit information provided to the bank by LexusNexus around or about XX/XX/2024. 

on XX/XX/2024 I filed a verbal dispute with LexusNexus outlining the XXXX items that I am challenging. Their time frame for a possible resolution is XXXX days but the FCRA states that investigations must be resolved within 30 days. I am filing the complaint with CFPB because I want to make sure their investigation is concluded within the 30 days allotted by the FCRA and not a day longer. 

My case number with LexusNexus is XXXX. 


Immediate removal of the XXXX negative items from all future credit reports. Additionally, a follow-up letter to the bank to whom they provided this negative report stating the previous report was done in error and providing an updated report. 


The response from LexisNexis was not accurate. LexisNexis reported, in their response letter that they reached out to me via email on XX/XX/XXXX ( XXXX ), which did not happen. 

LexisNexis reported they were unable to fully authenticate my identity but they failed to review the LexisNexis case ID number XXXX. If LexisNexis takes the time to review information within their own system they will have enough information to " authenticate my identity ''. Their response was swift and CFPB was just as swift with closing the case without allowing me to challenge the response from LexisNexis. 

As a result I will open this new complaint, looking for the support I would hope CFPB can provide. 

Attached you will find my drivers license and a utility bill for additional proof of identity.
Consumer complaint received 2019-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

The bank collected the funds on a check on XX/XX/XXXX but refuses to make the funds available until XX/XX/XXXX ( 4+ months ), way past any reasonable hold as defined in The Expedited Funds Availability Act ( Regulation CC ). 

The account is older than 30 days ; The account has never been overdrawn ; This is not a redeposited check ; The check is less than {$5000.00} ; Seems like a abusive way of profiting from a float.
Consumer complaint received 2017-03-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I received a letter regarding a previous debt that I have already taken care of. When called the collection agency and gave my account number and name to correct the issue, they hung up on me. This debt has already been paid for and i have try 'd multiple times to call them and all they do is hang up on me as soon as i give my name and account number.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase continuously charges a late fee on its Freedom VISA card ( Acct # XXXX ), despite the fact that bills are paid directly from a Chase checking account and are suppose to be credited the same day. It was due on XXXX XXXX and was paid electronically on XXXX XXXX. Yet XXXX XXXX was still charged a {$25.00} late fee, as he has been many times previously because of the deceptive, unfair and abusive practices of Chase Bank.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I recently applied for a Credit Card from Citibank and received a mailed request to provide ID, I complied and sent the information accordingly. Did not receive a reply from Citibank. Several days later I receive a mailed letter stating they were unable to approve my application because " we could not verify some information on your application ''. Despite two calls to the bank to request information, no further clarification could be provided per the agents. 

According to the Fair Credit and Reporting Act, I have the right to be informed if any information from my file was used against me. If a credit report or consumer report is used to deny credit, insurance, employment, or take any other adverse action, the person or entity must disclose the agency 's name, address, and phone number that provided the information. Citibank failed to comply with the law by denying me a credit card without providing a reason.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (WA)

On XXXX XXXX, 2016 I used my mobile app to log into my account with US Bank. I received a notice that the site could not be accessed at this time. I tried again at a later time and got a message to call a XXXX number. I called the number and the person told me that they have no information except that the accounts I have are being closed due to fraud and that I have to talk to a branch manager. On XXXX XXXX, 2016 at XXXX am I talked with XXXX XXXX Branch Assistant Manager and he " unfroze '' my personal account but told me that my joint account with my son is being closed do to fraud. XXXX XXXX would not tell me who, what, where, how and why I am responsible to an incident relating to my son 's personal account. He did give me a REF # XXXX and a XXXX number to call to find out details about my account. I called the number and made contact with " XXXX '' in the Deposit Risk Prevention Department XXXX. XXXX told me that my joint account with my son is being closed and that any funds will be used to offset any loss in regards to my son 's personal account. I asked her what is going on? Why am I responsible? and to who can I contact to get the information in regards to my account. She told me that she had already explained to me that the account is being closed do to fraud on my son 's personal account and that she could not divulge any other information.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MO)

XXXX  is reporting an old account on my report, via SYNCB/Care Credit, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand SYNCB/Care Credit provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both SYNCB/Care Credit and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe SYMCB/Care Credit a dime, and they know it, and XXXX  should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum  any negative remarks on it should be removed from my credit report.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

I reached out to XXXX who is reporting this debt and I received no response. I I reached out to XXXX XX/XX/2024 and they immediately removed this account XX/XX/2024 understanding the severity of this issue. LVNV Funding has purchased this debt and it is an account that was opened due to fraud. So not only are they attempting to collect a debt that I was never notified about because they can simple show their certified mail receipt showing I was notified and received this debt in response to this. but this account is also fraud so they are violationg my rights by furnishing this.
Consumer complaint received 2015-05-14
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Alorica Inc. (GA)

A debt collector from West Asset Management called me on my personal phone informing me of a medical collection on XXXX XXXX, 2015. I advised that I would get a letter in the mail to them today to cease contact with me regarding this debt as it is still being reviewed by my insurance company. On XXXX XXXX, 2015, the same collection agency called my Father claiming that they were calling about a doctor bill and they were looking for me. This third party call should have never been made because they verified that my information was correct and my telephone number, additionally, they were advised not to call me by phone and in writing. Location purposes do not hold water here considering they spoke to me and verified my information.
Consumer complaint received 2015-10-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NY)

To avoid foreclosure XX/XX/XXXX Caliber Home Loans offered us a loan modification contract in which we had to pay 3 monthly trial payments of a certain amount, on time every month. We made our payments on time and the modification never happened. They sent us another agreement and another and another over the course of a year. When we went to make our payment for XX/XX/XXXX, the person on the phone said that the home had been foreclosed on and sold on XX/XX/XXXX. We had been led to believe that we were making monthly payments and working towards a modification when in reality CaliberHome Loans did what is known as " dual tracking '' and sold our home out from under us with no notification, no monthly statements breaking down our payments, no copies of the contract we signed, and no effort to make the modification we had been promised happen.
Consumer complaint received 2015-04-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (TX)

XX/XX/2015- validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACXX/XX/2015- XXXX validation request was sent to CNACThere has been no response despite having sent the request to address on credit report and another address found on line.
Consumer complaint received 2023-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am flabbergasted how a debt collection company dares to report a ridiculous amount to my credit reporting agency without having any contract nor any document that could validate such debt. 
I had no debt to such creditor. The debt collection agency has reported this false collection amount fraudulently without following their legal steps. The debt collection agency is just trying to bother me by reporting a false claim instead of contacting and presenting documents to validate the debt. 
Furthermore, the collection agency is being unresponsive and abusing the credit reporting agency for their own wrong doing. 
I have no contract and no such proven debt. Due to lack of any validation of this debt the collection agency needs to be penalized not following Debt Collection ACT rules and regulations. 
On another note the amount of {$64.00} is such a ridiculous amount that is another proof to my claim that the reporting agency is being abusive. 
I need this falsely reported amount removed from my credit reporting and I definitely want federal support against such abusive unlawful practices conducted just to bully customer instead of conveying through competent legal system. 
my contact number is XXXX should you need any further verification.
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (NJ)

Years ago my daughter belonged to XXXX XXXX. 
She incorrectly gave them my home phone #. 
( she 's XXXX yrs old now XXXX She is no longer a member.. has n't been for a few years from what I understand. 
She does n't owe them any money anymore XXXX again, from what I understand XXXX. 
All of this is irrelevant,, she 's XXXX years old, not a child, I have my home phone, she would n't pick it up if it was ringing and she was standing next to it.. 
She has asked XXXX XXXX repeatedly to remove her parents home phone # from her name in their records. 
Now she is n't a member and owes them no money and I recently had XXXX and they 're calling here waking me in the morning. 
I think it 's a collection agency of theirs. 
When I call them they could n't care less. 
Would you please call them on my behalf.. 
Thank you, ,XXXX
Consumer complaint received 2017-02-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc. (CA)

I have repeatedly requested that Progressive Management Systems provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA :
Consumer complaint received 2015-12-11
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: JH Portfolio Debt Equities, LLC (TN)

I was at work and the person never would identify himself and kept asking me to identify myself, and when I did, I informed him that I needed to know who I was speaking with, he got smart and said I told you who I was and stated XXXX XXXX from XXXX XXXX. As I told him it was put in writing not to contact me and you should not be contacting me, he stated that he was calling in regards to collecting a debt, and I stated again that XXXX XXXX and the collection agencies that they have hired know not to call and he acted like it did not apply to him and kept harassing me with conversation regarding a debt, I am at work and I hung up and submitted this complaint
Consumer complaint received 2023-03-30
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. (TX)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE GIVEN EVERYTHING TO VERIFY ME THREE TIMES ALREADY - YET TRANS UNION REFUSES TO MAIL ME A FINAL ( POST INVESTIGATION ) CREDIT REPORT. THIS IS AN ABUSE AND HARASSMENT. I NEED MY CREDIT REPORT AFTER INVESTIGATION BY MAIL - NOT BY E-MAIL.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

I made a mistake and asked for a refinance on my condo. I got a prompt reply by phone and began the process. After agreeing on rates, 15 years fixed. I was asked to fill out a form which I had to print and send back. Before I could print the form I received a request for copies of paper documents. I now realize that this could go on for ever. I have sent Ameri-save an email canceling the process.
Consumer complaint received 2016-02-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: JH Portfolio Debt Equities, LLC (NY)

XXXX uses deceptive and abusive business practices. Made Phone calls to my work. 
Waited 20 days to Tape a Notice of Commencement of Action Filing papers on my front door with all my information and details displayed for the public and all to see and read. A friend who came to visit read the posted notice and alerted me at work. I immediately left work early to come home and remove the notice from my door. As soon as I came home, my neighbor informed me that he had read the notice and was going to call me. It was embarrassing! I immediately took a picture of the posted notice