davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Eastern Account Systems of Connecticut, Inc. (MI)

A charge off is considered a certificate of Indebtedness which means it is income and income must not be reported to a consumer report. As disputed in another CFPB complaint # XXXX. XXXX Account System was informed of these inaccuracies. YOUR company can not report to credit agencies with inaccuracies and report an account used for the purposes of INCOME to be filed on a federal income tax return. This is illegal practices on behalf of Eastern Account System and WOW internet services. All information pursuant to WOW write off has been recorded on the companies balance sheet as a loss and reported to the IRS. Their is no balance or no debt. This information pursuant to this account is in litigation and has been reported to FTC. I have no contractual agreement to pay Eastern Account System nor do I owe Eastern Account System anything. This is illegal and pursuant to your company illegally having my non-public private information it is be noted and being recorded pursuant to the Privacy Act of 1974. I am requesting my information be deleted from your companies system as I have not given your company, EASTERN ACCOUNT SYSTEM permission or consent to have my information and all inaccuracies pursuant to the account be deleted from the credit reporting agency.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I just received an update on my XXXX credit report. The update is now showing that " XXXX XXXX XXXX XXXX XXXX '' is reporting I did a bankruptcy and the amount was charged off to a debt I could not pay.This is completely wrong. I NEVER claimed bankruptcy and I am very upset that this wrong information is reporting on my credit report. XXXX XXXX XXXX XXXX had agreed to delete this account off my report not to report a bankruptcy that I NEVER did.
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO. (MN)

Chase Bank is asking their credit card holders to fill out an authorization to release their SSN to Chase along with a XXXX form. They claim it 's in the name of identity theft protection. Failure to do so will cause the account to be closed. No other credit card company is asking for this and the mere act of mailing it puts my data at risk. 
Credit is a competitive business and I have options. However, many others do not and would face inconvenience and possibly higher fees due to a change in circumstances. Plus Chase is n't going to assume liability for the inevitable mail fraud that will take place. Bringing the forms into a branch is n't an option when there is n't one close by. Oh, and did I mention - they say it 's for verification of my SSN? Which they already HAVE?
Consumer complaint received 2022-08-25
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. (NJ)

This company is reporting incorrect information on my consumer report. They are reporting charged off accounts as open and reporting medical information on my consumer report. According to FCRA all information reported must be 100 % accurate and verifiable.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (FL)

This is to bring to your attention that my credit report reflects an inquiry from this company that I did not approve. I sent a letter to the creditor stating that it was an authorized inquiry. The company did not provide any proof nor remove the inquiry. 

The company is not legally entitled to access my credit report without my authorization. Therefore, I request that you investigate this matter.
Consumer complaint received 2017-02-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Massachusetts Educational Financing Authority (CA)

I submitted a payment to XXXX to finish my student loan completely. XXXX claimed to have processed that payment, but they did not. 

I received an email from XXXX on XXXX stating that XXXX Dear XXXX XXXX, XXXX We 're sending this email to let you know that today we processed your student XXXX loan payment ( s ) of {$9500.00}. If you would like to view the details of your XXXX payment history, please log in to your account. 

Yet, when I look at my bank account history and also at payment history in my XXXX account, there is no record of the payment made. 

XXXX continues to have me enrolled in automatic monthly payments at a reduced rate and continues to collect interest from me, despite its claims that it processed my payment. 

Furthermore, I received NO notification that the payment was not actually processed, so I was led to believe by XXXX that my contract with them was complete. Had I not followed up on my own, I would not have found out I still owe the company. 

Thank you for your attention and help in this issue.
Consumer complaint received 2015-05-13
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Solutions To Portfolios, LLC (WI)

I have been contacted by a collection agency on behalf of XXXX. I asked for verification of debt to be mailed to me, I was instead placed on hold and told that I had XXXX hour to respond to them or they would file charges. I advised that under federal law it was illegal to threaten me. I was then told they know the law and accused me of not wanting to pay a debt I owe. When I stated I wanted to verify I owe the debt and it was n't fraud, I was asked if I have a police report. Advised I do not because they have not sent me written verification in order to do so. I was then threated again that charges would be filed. 

This is a clear violation of federal law. They would not provide me with the company name, instead the supervisor hung up on me. Another violation. I called back and asked for the company name and was only given SPP.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (TX)

After making a XXXX deposit in my Citibank account last week. 
I attempted to pay some bills once the banking website saidThat my funds are available. XXXX bills including my mortgagePayment were denied payment even though the money isIn the account. As an alternative I attempted to transfer theMoney to my Citibank credit card so I could pay the bills that wayHoping that it might be faster now that I am behind on my bills. 
This was denied as well. 
I called into Citibanks customer service who told me I needed to goInto a Citibank location for resolution. Problem is theyDo not have a location in XXXX where I live and do not haveOne in XXXX or XXXX. So unless I buy a plane ticket the onlyOther way for me to access my own money in my checking accountIs to write a letter to Citibank requesting access. This is the most ridiculousSolution I have ever been given to access my own money. 
My account was not overdrawn when I made the deposit and myCitibank credit card has always been on time and is also in good standing. 
The Citibank Customer service agent would not give me any reasonWhy my account is on hold. She also refused to give me anyFurther escalation phone number including a number for their '' Office of the President '' so I could make a formal complaint. 
So at the end of the call with XXXX in checking on an accountThat is good standing as well as a credit card I am left with writing a letter. 
That is completely unacceptable resolution to a consumer and I amAsking for your assistance.
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

This claim is related to claim XXXX. I submitted a XXXX insurance check in the amount of {$44000.00} on XXXX/XXXX/15 related to my original claim.! XXXX of that was to be released to me immediately which as of XXXX/XXXX/15 has not happened. That was the subject of my original complaint. Now, my home has passed the 50 % inspection and Chase was to release the next XXXX of the original claim ( which they have done XXXX plus XXXX of the {$44000.00} which has not been done. I need this money to order materials and make necessary payments to the contractor so that I can move back into my house. I am incurring significant additional living expenses because of the delay in these payments of my money. I have complied with all of Chase 's documentation requests and they have done nothing to resolve the situation since they received the original complaint at the beginning of XXXX. I do n't no where else to turn to get my money and fix my home.
Consumer complaint received 2017-03-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

I refinanced in XX/XX/2015. Every year the Bank says I have an Escrow Shortage. This year is the most expensive one they are asking me to pay. I am on a fixed income and this makes it hard for me when each year my payments adjust. The Bank said they do an analysis rather than an actual which makes it hard for me and they are already telling me that my payments will be going up next year. I wish I could regulate the payments and not owe an unknown lump sum each year.
Consumer complaint received 2016-05-04
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (CA)

I have a reverse mortgage and the lender is trying to foreclose on me because for one month I had to go out of the country and I fell ill and they are claiming I didnt live there and they are also NOT willing to give me a payment plan to repay the taxes I owe in the amount of {$11000.00}. I offered a contribution amount and the rest in payments and they refused. I am XXXX years old on a fixed income, I am going to pay. For {$11000.00} they want to put an XXXX year old on the streets. Please do not allow them to do this, I have other friends and their reverse mortgage servicer allows them payments for when they fall behind. Please God Help me.
Consumer complaint received 2015-05-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

Person with account at XXXX XXXX XXXX XXXX cashed my check of {$110.00} for {$1100.00} by altering the amount of the check and name on the check. Blatant fraud. Check was obviously altered. Have been back and forth with my bank, Chase, and XXXX XXXX XXXX to try to recoup my money which was taken out of my account by their error. Check number XXXX which was cashed on on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and I still have not been reimbursed. I have made numerous visits to both banks and am still getting the run-around.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

Hello XXXX, Thank you for reaching out. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. Note that creation of a new account will not change this decision. 

The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

Regards, XXXX XXXX. 
Account Specialist | Venmo
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I received a call on my job today from XXXX XXXX, who is employed by ConServe. I have not given my work number to any agency nor permission to contact me on my job. The call was humiliating and embarrassing. My goal is to find out what my rights are legally. My major health issues and low paying job have prohibited me from making regular payments. The previous collection agency would tell me that I was refusing to pay loan when I did not make their minimum payment.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: YSA ARM LLC DBA Oxygen XL (NJ)

I am writing to formally dispute the inaccurate information reported on my credit report by Oxygen XL, based on data from XXXX XXXX XXXX XXXX XXXX 

Oxygen XL has reported a balance of {$5400.00} on my credit report, claiming this amount is due to " missed rent '' and " damages. '' This information is fraudulent. I was not living at the apartment during the dates for which the rent was allegedly missed, and there were no damages when I vacated the property.

I followed the instructions provided by the office manager, which were to submit a 30-day notice. I complied with this requirement, submitted my notice, and vacated the apartment accordingly.

Thank you for your prompt attention to this matter.
Consumer complaint received 2015-03-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Transfinancial Companies, Inc (NV)

I pay all of my bills in a XXXX, as I am working really hard to repair my credit, i do n't know what an {$11.00} bill is doing on my credit report. I have no problem paying it, but can attest to never receiving a bill. 
Please help. 
XXXX XXXX
Consumer complaint received 2016-03-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (NJ)

My Volvo was in a collision on XXXX/XXXX/2015. The damage resulted in the car being a total loss. The insurance paid the leasing company, US BANK, less our {$500.00} deductible. 
Our lease payment is due IN ADVANCE of use on XX/XX/XXXX ... Every payment has been made on time. I made the payment of {$470.00} for XXXX 2015 and I believe that amount should be credited to the {$500.00} deductible since I did not have use of the vehicle for the month of XXXX which I paid. I have been fighting wit US Bank for over 9 months about this and they refuse to credit the payment.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TD BANK US HOLDING COMPANY (FL)

I went to apply for a line of credit from XXXX XXXX and I was denied because of derogatory credit that is not mine. Its a credit card issued by Target having a partial account # of XXXX in the amount of approximately {$540.00}. My purse was stolen out of my car on XX/XX/XXXX. Case # XXXX My best guess is that my info was used from this theft to secure this credit card from Target. Please help me remove this from my credit reports.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

XXXX CLOSE MY COMPLAINT BY SAYING IT WAS A CREDIT REPAIR COMPANY THAT FILE MY COMPLAINT THEY KEEP BREAKING THE LAW THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVE ASAP BECAUSE MY CREDIT IS A BIG PART OF MY LIFE
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NCC Business Services, Inc. (FL)

I called the NCC Business Services XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ; to try to make a settlement agreement. They told me that I would need to pay 10 % ( {$150.00} ) then make $ XXXX monthly payments until paid off. I explained that I could do this on XX/XX/XXXX. To pay the {$150.00}. I also then requested a written letter to be emailed, faxed, or mailed to me stating the agreement to settle with payments. XXXX XXXX then stated that they do not give written proof of agreements. That they will only give me something in writing after it is paid off XX/XX/XXXX. That if they gave me something now to prove it was settled then I could give that to whomever I needed verification for and they would n't get paid. I have tried to call back several times to speak to someone else or a supervisor, but I keep getting hung up on. I was told by XXXX at the CFPB that they are required by law to give written repayment plans prior to the first payment being made. I called again today @ XXXX, again was transferred to XXXX XXXX . I requested my Account Number, and he asked how I would be making a payment. I told him that I would not be considering he refused to give me anything in writing. He stated again that they by law did not need to give me anything regarding the payment arrangements.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NH)

I tried to dispute it with Equifax and XXXX but they XXXX put up a wall and made it so I could really not get into contact with them. I suspect like XXXX, they are in collusion with XXXX XXXX to keep it on my record. Sorry, but I will not be a tax write off for these large companies. XXXX XXXX is purposefully keeping a closed account on my credit with the aid of all XXXX credit bureaus past the seven years which is in direct violation of what the FCRA says and other federal laws stipulate regarding accounts. I only know about their credit reporting fraud schemes because I used a website called XXXX XXXX to check my credit.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southern Management Systems Inc. (FL)

I sent letter to a letter to Southern Management Systems on XXXX/XXXX/15 asking for validation of XXXX accounts. I sent another letter to them on XXXX/XXXX/15 when I noticed I had n't received a response from them. To date, there has been no response and they continue to report and update this account with the credit bureaus.
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

On XX/XX/year> I received a letter from National Credit Systems , Inc stating that I have not made a suitable arrangement to resolve a referenced Debt, also threating to report the account to consumer reporting agencies. This was my first time being made aware of assumed debt. This letter did not include a statement with notification that I could dispute and request verification of the debt.

Although the letter did not advise I had the option to dispute I still mailed a dispute letter and requested verification of this assumed debt. 
XX/XX/XXXX - XXXX # XXXX XX/XX/XXXX - Tracking # XXXX I never received a response letter and shortly, after this assumed debt was reported to my credit and I received a letter offering to settle with a lesser amount, although the assumed dept. was disputed and never validated This company is in violation of FDCPA 1692. After Mailing the dispute letter this company is still trying to contact me to collect. 

Documentation to follow
Consumer complaint received 2022-02-14
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. (PA)

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 Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy 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 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX CLOSE MY COMPLAINT BY SAYING IT WAS A CREDIT REPAIR COMPANY THAT FILE MY COMPLAINT THEY KEEP BREAKING THE LAW THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVE ASAP BECAUSE MY CREDIT IS A BIG PART OF MY LIFE
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (FL)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 USC 1681 Section 60

2 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may n treat a payment on a credit card XXXX account under an open end XXXX consumer credit plan as late for and purpose.