davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act inquiries XXXX XXXX XXXXXXXX XXXX XXXXXXXX  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
Consumer complaint received 2022-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unable to be reviewed for loss mitigation because the investor refuses to let the main borrower fill out the loss mitigation packet by herself and they require the son who is the co-borrower to fill out paperwork. The problem is that the son does not live in the home anymore and ran off leaving the main borrower unable to get ahold of him. Before dissapearing the son filed bankruptcy, went through with it, and filed a quit claim deed to remove himself from responsibility of the house payments. On XX/XX/22 we faxed a letter of explanation for the situation and the quitclaim deed that the son filed to be put on review. The lender still refuses to allow the main borrower to be put into review even though she has filled out the loss mitigation packet minus the documents that are asked by the son because the son is nowhere to be found. We asked to escalate the case but the lender refuses.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I c system is the name of the fraudulent account holder that continuous try and get money that I do not own. each year this company who I never did business with and have ask how you obtained my information about a non-existing account I have ask for any info as to why do you think I own you any money, since i have never did business with you, but this company keeps sending me fraudulent bills of XXXX year after year now they have somehow got this fraudulent information on my credit report. I do not know of this company or its dealings.my next move is to sue this company for fraud.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp. (OR)

Absolute Resolutions purchased a credit card debt. In XXXX I negotiated and paid a settlement to them. The have marked the balance down to {$0.00} but refuse to report the account as closed on the XXXX system so that it looks like I have an open collection account that is dropping my score by more than XXXX points. I have asked XXXX to correct the report, I have put in several online disputes and finally sent a written dispute to XXXX which was denied in XX/XX/XXXX because Absolute Resolutions affirmed that the account is still open. I called XXXX today and they have reopened the dispute but there is no guarantee that it will result in a correction. Absolute Resolutions is deliberately leaving this account as " open '' to punish me for settling the account instead of paying it in full. I attached the settlement letter to the mailed dispute and the account history clearly shows that the agreed upon amount was promptly paid. Before I began disputing the account, it still showed as owning the remaining {$310.00}. They finally marked it as {$0.00} owed but continue to keep it as an open collection to punish me.
Consumer complaint received 2021-06-27
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 ()

Good day PayPal closed my account for no reason and will not help me with getting it back up and going. I use the account to pay and receive money from friends and family. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them as i tried all their customer care and social media customer care with no success. I emailed and tried to call but, it won't go through. I would like to file a report on here as they are also withholding my funds of {$5000.00}. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. XXXX Regards XXXX XXXX XXXX
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: KEYCORP (UT)

I applied and was approved for the KeyBank Latitude credit card with a promotional interest rate of 0 % APR for 15 billing cycles. Additionally, the offer included a 0 % introductory convenience check fee and/or balance transfer fee. Checks were provided in a separate mailing and indicated that they could be used to make purchase 's, transfer balances, or get cash. I attempted to write a check for {$11000.00} that was returned and I was charged a {$12.00} return fee. My available balance on the card indicated I had {$11000.00}. When I called to resolve this issue I was first told I the check was returned because I didn't have enough credit available. This was clearly false. I was then told that checks have a fee, which may be true for some, but these clearly indicated there would be NO fee. Finally, they came back with the answer that these checks apply to the " cash advance '' limit, which was only between XXXX-XXXX on this account. This was not clearly disclosed ANYWHERE on the checks provided. My " cash advance '' limit is also not clearly established on my online account or any of the disclosures that were provided. This is a clear case of consumer harm that could easily have been avoided. Attached is all the supporting documentation.
Consumer complaint received 2021-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (CA)

I contacted Firstmark Services to inquire about my loan terms because what I was seeing on my " welcome letter '' didn't match with my expected loan terms from XXXX XXXX. Roughly six weeks ago, and four or so additional times between now ( XX/XX/2021 ) and then, I asked Firstmark to send over their copy of my original promissory note so that I could verify my loan terms. They repeatedly told me that it would be coming " in a few days '' but have so far never delivered. I am concerned because those loans are coming due and I want to make sure I'm paying the correct amount.
Consumer complaint received 2020-01-27
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. (NJ)

Dear cfpb I have 2 closed mortgages that are not mines XXXX XX/XX/XXXXand XXXX XXXX XXXX XXXX   XXXX. I contacted this company several times. They said they would remove it. Its a closed account that's not mines and I keep seeing on my report. They are both negative with lates. They also put a credit collection for medical the bureau. This is illegal. Please have them remove these lates from my credit.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

After having no issues as a Citi Bank customer for a long time, out of nowhere, there was a lot of fraud on my account. I called over and over again and waited and waited. Citi bank opened and closed a number of accounts for me and sent new cards but the fraud continued before I even received my new cards. All kinds of charges. I had to keep calling and calling and insist on talking to a supervisors before they agreed to close my account all together. My only income is Social Security XXXX. I agreed to pay {$35.00} a month to pay off the money owed on the account. Citi agreed to take this money out of my account via auto pay even though my account is closed. After my first payment of {$35.00}, Citi sent me a statement indicating late fees. I called and spoke to XXXX XXXX on XX/XX/2021 ( XXXX ). He refused to let me speak with a supervisor saying none were available. He refused to honor the agreement I set up with Citi in my previous call. I will not be charged fees and have my credit possibly impacted by something that was entirely Citi Banks fault from the beginning. I can not spend all of my time on the phone with Citi. This can not stand. Thank you for your help.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (IL)

For the past couple of months I have tried to get two late payments updated to paid on time and not late. I spoke with XXXX credit services and the President of Consumer reviews in the credit department. Because of my recent great credit history she agreed to updated the payment status to agreed and not late for payments in XXXX and XXXX of XXXX Credit agencies still haven't updated the information yet and I have sent in numerous letters to the bureaus and nothing yet.
Consumer complaint received 2019-11-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital (WI)

A XXXX XXXX from Hewitt Capital LLC improperly called a relative of mine, and told her personal information about why he was calling. He then became a complete jerk when she tried getting his contact information because she refused to give out my information, he yelled at her and hung up on her. She called him back and left a message for him, then immediately called him back again. He answered this time and told her to stop contacting him, she proceeded to tell him that she is trying to get the information from him to give to me, then she asked me if I wanted to talk to him. I took the phone, and he proceeded to claim he was a lawyer, he threatened to sue me, he tried to bargain with me and get me to give him money, he made false statements saying I committed fraudulent acts, and claimed I never paid any money on the loan ( which I did, then got into a bind and stopped because my kids needed food in their mouths ). After he got done speaking I told him to send me something in the mail. I am utterly XXXX XXXX.  Contacting my relatives is illegal, giving them personal information, including my residence address is illegal, telling them the specifics of why he was calling was illegal. He is lucky that the relative he called I am talking to because if he had called some of the others and they found out my personal information I would be suing him. Ive been told I can sue him for what he did. These things and tactics are why people dont pay things back when they get back into a good place. Illegal all the way around!
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OH)

This is the second or third time I have had to address the issue of unverified lack of documented proof of accounts listed below. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. Once again there is still no PROOF OF CLAIM and the items listed below still remain on my credit report. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of the accounts. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA, and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX  XXXX  XXXX  ( XXXX  ) # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX  # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-04-23
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # 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
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

on XX/XX/2021, i wrote XXXX about a inaccurate item that they are reporting that needs to be deleted and it has been a month without any response.i sent Equifax letters on XXXXas well for unauthorized inquiries that i didn't authorized and asking for them to be deleted.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

I opened a CareCredit account in XX/XX/2021 to pay for a XXXX for a pet. The card has no interest payments for 12 months. My goal is to pay the card off during the first 12 months to avoid paying any interest. I paid {$450.00} on XX/XX/XXXX. This amount is equal to XXXX of the total amount. In XXXX I received an email stating that my XXXX payment was late and they were charging me a {$29.00} late fee. I contacted Synchrony Bank, the issuer of the card, and they removed the late fee because it was determined they never notified me that a payment was due. They also agreed to allow me to make a payment on XX/XX/XXXX in the amount of {$450.00}, and to start automatic payments for the month of XXXX. However, they didn't deduct the funds from my account for the month of XXXX and told me no payment was necessary until XX/XX/XXXX. I called on XX/XX/XXXX to discuss why no payment will be made for the month of XXXX. My call was disconnect 3 times, even after I asked the customer service rep to make sure we wouldn't be disconnected, due to the long wait times. I'm frustrated with the process because they don't listen to me and kept telling no payment is due for XXXX. I explained to the CSR many times that I didn't want to accrue any interest on the account. All I want to do is to pay 12 equal monthly payments. They are making this process very difficult. It seems that they are doing everything possible so I won't pay the card off in 12 months so they can make more money on the accrued interest.
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Remex, Inc. (FL)

Hi, I have some hard inquires in my credit report that I didn't ask for, accounts that were closed on good standing that look open and some collections that are not looking accurate.
Consumer complaint received 2021-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (NJ)

This is my 2ND COMPLAINT!! My Original complaint was initiated ON 6/23/21 the day a collection from AR RESOURCES, INC was reported on my XXXX credit report caused a significant drop in my credit score by 33 points & today on XX/XX/XXXX AR RESOURCES, INC showed up on my XXXX credit report which dropped my score by 50 points!!! A false, inaccurate & illegal debt that Ive NEVER received any form of communication about from AR RESOURCES, INC. nor do we have any legal agreements! Also, I dont know who gave AR RESOURCES, INC authorization to report an unknown debt on my credit report! Ive never been notified of any debt with or from AR RESOURCES , INC . The lawful right to dispute & or request validation of any kind was NOT given because I was NEVER notified by AR RESOURCES , INC . I want this removed from my credit reports immediately as it is an UNKNOWN & UNAUTHORIZED reporting on my credit report & has caused significant damage to my credit score!
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

With Synchrony, let them know that my bank account information had changed and updated in its system. They continued to try and seek payment from the cancelled accounts, despite my letting them know, several times, those accounts had been closed. This caused me to get late payment fees and hurt my credit score.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

On XX/XX/2021, I sent CITI a letter informing them of their insufficient responses, lacking the necessary and required documentation to several billing errors I disputed on my credit card statement. Notice is attached. 

Citi failed to provide any of the necessary documents with the merchant responses or ask for further information requests. The letter failed to provide the detailed description card furnishers are required to provide or notification of, and, the merchant 's response. To date Citi has failed to supply many required documents per the cardmember agreement, Fair Credit Billing Practices Act, and the VISA dispute resolution process. By denying this claim without completing and complying with your contractual and legal obligations, CITI is committing multiple violations. The remedy for these violations is CITIs inability to collect on this debt. 

The charges in question are : XXXX REVERSE XXXX XXXX XXXX XXXX {$120.00} XXXX REVERSE XXXX XXXX XXXX XXXX {$330.00} XXXX REVERSE XXXX XXXX XXXX {$490.00} XXXX REVERSE XXXX XXXX XXXX {$290.00}
Consumer complaint received 2021-06-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

date opened XX/XX/XXXX Wells Fargo Bank XXXX. Paid off {$7400.00} XX/XX/XXXX. XXXX XXXX XXXX XXXX # XXXX. 


I had an auto loan with Wells Fargo Auto that I paid off {$7400.00} on XX/XX/XXXX. It still shows up on my credit report as open and past due. I paid the pay off figure they provided. I did receive a letter showing it was paid off but its still on my report. I have contacted the company several times and the last thing I was told that all they could do was send another letter. They also said it won't be removed until XX/XX/XXXX.