davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Genesis Lending (NV)

I am struggling to get the debt relief I am entitled to from a private loan I received while attending XXXX XXXX. The loan came from a private lender named " Genesis Lending through XXXX bank XXXX Through XXXX XXXX
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. 2016 CFPB Re : Complaint Number XXXX Ladies/Gentlemen : I have received your letter of XXXX 2016, informing me that the collection agency XXXX is discontinuing its collection efforts, as they are required to in disputed cases. 

I have also received another collection notice, this time from RPM collection agency ( Receivables Performance Management, XXXX. XXXX, XXXX WA XXXX ) telling me that I owe {$100.00}, please pay, etc. The XXXX account ( XXXX ) is the same in both cases ; the XXXX Collection department has not responded to the CPFB notice, apparently. 

In my email to you of XXXX stating the details of this case I listed five separate contacts we had with the XXXX Customer Service personnel ; each time we were told " Do n't worry, the account balance is XXXX, there was a system glitch. '' ; but each time there was another bill from XXXX for the same discontinued service. This has now gone on for 14 months, and still continues. 

It is a simple matter for XXXX to verify that there has been no activity on the lines in question since the original service cancellation, they have usage statistics for all digital lines ; thus, there is no basis for these continuing debt claims, and the XXXX Customer Service people seem to be aware of this. It should be quite clear that there was an accounting error. 

The fact that the XXXX Collection department keeps repeating this claim, evidently in hopes that I will simply give up and pay, just to avoid further nuisance, amounts to harassment. Is this really so hard to get resolved? Is this not what the CFPB was created to deal with? Please try once more to get this stopped, for good. 

Thanks, XXXX XXXX. 

.
Consumer complaint received 2023-03-19
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. (NV)

I am a victim of Equifax data breach. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the accounts are still reporting.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and Transunion and XXXX have denied my multiple disputes on deleting my bankruptcy after the time it legally should be deleted. I have attached official official copies of my discharged bankruptcy! remove from my reports XXXX, XXXX and Transunion asap as i have hired an attorney to handle this wrongly emotional distress situation with Transunion, XXXX and XXXX. i will contact the Vice president of company in a week if this isn't handled correctly and the right way to treat someone.I have attatched multiple proof of official XXXX. XXXX dismissal date as of XX/XX/2012.
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-05-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I applied for a payday loan got approved, was unable to pay now im getting threatened that, i will get criminal charges filed againts me, that they will, have to granish wages earned and that i will go to jail. I was willing to make arrangements, but unable to meet what they request.
Consumer complaint received 2020-03-04
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: Client Services, Inc. (SC)

On XX/XX/2020 I sent a 3rd party debt validation letter to Client Services , Inc. requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated to it. By law pursuant to 15 U.S.C section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), Client Services , Inc. has failed to validate this alleged debt within the ( 30 ) day allotted time frame as pursuant to 15 U.S.C section 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C section 1681b.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TOWNE MORTGAGE COMPANY (WA)

We have a mortgage on our home which has been sold multiple times to different lenders. Because the property in question is a condo, it requires hazard insurance. I provided proof of insurance to the company through the US mail, as well as through their web portal -- I even requested an acknowledgement that it had been received. The company did not acknowledge receipt of proof of insurance. I received a letter today stating they were purchasing insurance for the property, and that I would be responsible to pay for it.
Consumer complaint received 2017-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (NV)

In XX/XX/2013 my ex husband took out a XXXX bill under my name without my knowledge. I had no knowledge of this account, and it eventually got transferred to a bill collector, also known as Trident Asset Management. 

I contacted Trident Asset Management last Monday - XX/XX/XXXX and requested a document stating my account on file had been closed out, as we are current going through Escrow, and my underwriter needed physical documentation to forgive the debt. 

I was told that a letter would be sent out, but never received one. So today, XX/XX/XXXX, I called back and spoke to a representative named XXXX, who eventually transferred me to the manager, named XXXX. She told me that they are n't contracted with Nevada, and refuse to give me any type of documentation, whether email or mail. 

She said the account had been closed on XX/XX/XXXX, but they will not send me anything stating so. I feel I should get something considering it 's my account and I requested it. So not only did they lie to me about sending out a letter and my waiting for it, but they have refused to help me with every phone call I 've ever made to them about receiving a letter. 

We are unable to get a house without this letter, so this is the only company who is holding us back, even though I explained this to them, everyone either brushes me off, lies or tells me I am not allowed to receive anything, just because I live in Nevada.
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

When I signed the closing documents for my new home, my mortgage of XXXX included XXXX/month for property taxes and mortgage insurance. My property taxes were incorrectly appraised and did not take into account the property taxes of similar new homes in the neighborhood. I just recently received notice that I now owe XXXX by XX/XX/2020 AND that my mortgage payments will nearly DOUBLE to XXXX which is also due within the next 30 days by XX/XX/2020! I had not received any prior notice that the property taxes were behind and I certainly can not pay these amounts, especially within 30 days! According to the recent statement from my escrow account, I will still be behind by over XXXX for all subsequent years. If the correct property tax estimates and amount of mortgage ( XXXX ) was disclosed during closing, this would have at least provided me the opportunity to walk away from the deal. I have essentially signed a false and misrepresented contract and will soon lose my home as a result of the incorrect escrow appraisal. This practice should be illegal!
Consumer complaint received 2017-04-07
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Turning Point Solutions LLC (MI)

I received a call from XXXX ( XXXX ) on behalf of GS Holdings. XXXX told me that my mother had outstanding debt from a hospital visit from XX/XX/2010 that was sold to GS Holdings. XXXX said GS Holdings would take my mother to court is she did n't pay the debt. I requested proof. I was sent an email from XXXX which contained the last ( XXXX ) of her social, the name of the hospital she received care from in XX/XX/2010 and the " original account '' number from the hospital. After some pressure applied from the XXXX agent ( said the court filing could be filed as early as the next day, in which case she would be taken to court ), I payed {$760.00}, after negotiating the price down from {$1300.00}. I received a receipt after the payment. Everything appeared in order. Several days later I called the hospital billing department. I spoke to the hospital representative and asked if there was archived account from the account number given to me by XXXX. Nothing. I then gave my mothers full name. Nothing. The hospital had no record of an outstanding debt. I called GS Holdings at XXXX. The person on the other end seemed surprised I called. There first question they asked after I called is who told you to call here. I told them that I was concerned about the charge and that I would like some sort of documentation that proved my mother was in fact in debt and they owned it. They provided nothing and only redirected me to there director of compliance who was not available. Ok. I left my name and number. The director of compliance, XXXX, called me back and had a very vague explanation for why my mother was charged. He stated that I had called the wrong people at the hospital and that I should call again for the info. At this point I told him that I was going to start a fraud dispute with my bank to dispute the charge. He immediately responded that refund the money. I called my bank and let them know. They told me to wait ( 15 ) days, as merchants have ( 15 ) days to refund the money after a dispute before they get involved. I 'm giving them ( 15 ) days. However, I feel that they should be investigated for suspicious activity.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Payment was made to XXXX XXXX XXXX XXXX have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at one time, XXXX gave me a credit of 5 % on the total bill. XXXX from XXXX to XXXX XXXX Received notice from collection services XXXX weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary XXXX no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NJ)

I open checking account in Citibank in XXXX and when I was opening the account I was told I need to have one direct deposit and one bill so I can avoid monthly XXXX $ fee and so I have setup my direct deposit and my bills. Recently I was reviewing my statements as saw Citibank is charging me monthly XXXX $ fee over a year at least from XX/XX/XXXX. On XX/XX/XXXX I was talking to a representative on Citi Mobile app 's chat and she told me my bill should be and I am quoting " Qualified bill payment is Automated payment services that can be set up at financial institutions. The customer need provide the bank and company with debit information and bill are withdrawn automatically out of a checking account and reported monthly statements '' and I told her that exactly what I did and she said let me check and never responded, so called them and told I have a bill and direct deposit and they told me they have a policy of returning only last 60 day not more and it is my fault because I did not check my statements previously ( which is correct If I check my statements I would have noticed ), but that does not change a fact they charge me incorrectly and they are refusing to return it.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

We were notified today XX/XX/2016 that we have Hard Credit Inquiries on our Credit Reports ( Equifax , XXXX and XXXX ) for a loan that we DID NOT apply for. 
The following companies XXXX, XXXX, XXXX, XXXX and others have run Hard Inquiries against our credit reports and we have Never heard of these companies before. We call Equifax and XXXX and they put a Freeze on Our Credit Reports. XXXX has not put a freeze on yet. Equifax and XXXX said we would have to call these companies as ask to have the Hard Credit Inquiries removed but we said this is FRAUD. We had a freeze put on our credit reports so no more credit inquiries can be made for now. We have already had our credit scores reduced by these Fraudulent Credit Inquiries. We need help in all of this since Equifax and XXXX and XXXX DOES Not want to help us. We paid money to have the freezes put on each credit report. Do we now need to seek a lawyer to help us and have to pay for the lawyers fees too? We have tried for a long time to get improved credit scores but in a flash our scores are lower and we did not even apply for any loans or miss payments but are being penalized with no one to help us.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am soliciting your help in reversing an illegal fee charged to my account with Bank of America on XXXX XXXX, 2015. My account had a balance of {$220.00} on XXXX XXXX, 2015 when a check written for {$200.00} was posted to my account. I spoke to a representative who advised me that there were insufficient funds to cover this check. This is very misleading because my account showed a positive balance of {$26.00} after this check was posted on XXXX XXXX, 2015. My account only went into the negative after the overdraft fee of {$35.00} posted to the account XXXX XXXX, 2015 creating a negative balance of ( {$8.00} ). This fee created negative balances for all purchases posted on XXXX XXXX, 2015. Please see evidence of transaction activities attached.
Consumer complaint received 2022-02-09
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. (FL)

I am being profiled and discriminated against by all three credit bureaus, namely XXXX, XXXX and Equifax. I already have two open complaints about XXXX and XXXX bad reporting and violations of the FCRA. 

I received an email on XX/XX/XXXX from Equifax stating here are your results from your XX/XX/XXXX dispute. Coincidently the documents that I submitted in my complaint to CFB does reference a copy of my Equifax XX/XX/XXXX credit report. I used my Equifax XX/XX/XXXX credit report to validate incorrect reporting on behalf of XXXX and XXXX. 

Equifax changed closed accounts to open accounts. One closed account that is now open is called XXXX XXXX XXXX, which has been closed since XX/XX/XXXX ( see attachment ). The other closed account which is now open is called XXXX XXXX ( see attachment ). Also please make note of the attachments showing no collections on my credit report sinceXX/XX/XXXX. I made a dispute on XX/XX/XXXX about one account, which was the only collection that appeared on my credit in XX/XX/XXXX. This collection was called XXXX XXXX XXXX, which was removed from my credit report ( please see attachment ). Also see attachments of all dispute request. 

Also this XXXX made an inquiry on my credit in XX/XX/XXXX ( please see attachment ) This profiling and discrimination is causing undo harm to me and my reputation. I am also going to purse legally for such discrimination and violations of the FCRA on my credit.
Consumer complaint received 2017-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: SYNCHRONY FINANCIAL (IL)

In the past year or so I have received hard inquiries on my credit report for attempts to open accounts via this bank. Various sub companies under this back ( lowes, and american eagle ) have had repetitive attempts. I have placed the proper freezes on my credit, however attempts to open accounts continue. I do not feel that this bank makes any effort whatsoever to help rectify identify theft incidents regarding their institution. 


XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-04
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: WELLS FARGO & COMPANY (CA)

The following accounts were opened without my knowledge : XXXX   XXXX  XXXX {$1100.00} Collections XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX  XXXX  XXXX  XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX WELLS FARGO CARD SERVICES XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX All three accounts are listed on XXXX, and Wells Fargo is listed on all three credit reports, XXXX, XXXX, and XXXX. I have no contractual agreement with any of these three companies. They are trying to get me to prove that I didn't create this fraudulent debt, rather than assist me with removing these accounts from my credit reports.
Consumer complaint received 2015-04-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I have been trying to contact this collection agency for the past two weeks. They do not answer their phones neither answer e-mails. I just filed bankruptcy and I need to let them know my case number. Please help me to contact this collection agency. This agency is holding my debt from HSBC/XXXX Credit Card. ( They have not tried to contact me, you just do n't have an option for my problem )
Consumer complaint received 2015-07-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PR)

Midland Funding bought a debt from XXXX ( South Dakota ) XXXX Midalnd claims it 's a debt I owe. I send them a request for verification and they could not provide any evidence. I informed them I never have process a loan with XXXX. The debt shows on my credit report rendering bad score.
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XXXX years ago Notice of Rescission was submitted to Decision XXXX company within the XXXX day window. 
Decision XXXX sold the note and mortgage to XXXX. XXXX foreclosed on the property and sold the property to a person. Said person had XXXX XXXX the persons living in said home, the home owners of record. An act that disregarded the US Supreme Court in XXXX decission.
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have rented a car XXXX and paid the rental amount with my credit card. After that, i have received almost {$1500.00} bill from the same car rental company for damages to the car which i was not agreed. The rental car company had forged my signature on a paper to charge my credit card and bank of america has denied my dispute even thought the signature for forged ...