davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (IL)

ATG Credit , LLC reported a collection account on my credit report on XX/XX/XXXX. I was unaware of this until I received a call from an ATG Credit collection person on XX/XX/XXXX. I informed the person that I had no recollection of an unpaid medical bill or receiving services at XXXX radiology at that time. I also informed them that I have never received a collection notice or an unpaid bill notice and asked to be provided that information in writing so I could evaluate the validity of the account. The collection person refused my request and told me I had only 2 options. I could either negotiate payment or it would remain outstanding. I then checked my XXXX credit report and discovered there was in fact a collection reported by ATG Credit. I filed a dispute with XXXX and the result of their investigation was Verified as accurate. Im filing this complaint because ATG Credits unwillingness to provide me detailed information makes me believe the collection attempt is fraudulent and would like it expunged from my credit report and have appropriate actions taken against ATG Credit if theyre in violation of any laws or standards. 

ATG Credit , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2018-03-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Flagstar Bank, National Association (WI)

I called New York Community Bank several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to get XXXX tax form. I gave the bank stated above my account number name, ss #, address and they said they could not give me any information about my CD. I figured out it matured in XXXX of XXXX but I never received a check for CD amount. It was a large CD at least XXXX in the account. I have several CDs and never receive information in the mail regarding my account. I think the money was turned in to the government and New York Community Bank will not get to the bottom of this. They put me on hold and told me to call WI Dept. of Revenue. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2022-08-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. XXXX and TransUnion dispute has been denied as well. After going on websites though portal. Still denied.
Consumer complaint received 2023-05-09
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: JPMORGAN CHASE & CO. (IL)

XXXX XXXX has reported a derogatory account against me in the form of a charge off as of XX/XX/23 in the amount of {$1700.00}. these marks are hurting my ability to get a mortgage at this time. 

JP Morgan has reported a charge off as well on 3 accounts I believe that these negative marks were reported without proper permissible purpose as defined under 15 US Code 1681b ( a ) ( 1 ) ( 2 ), 15 US Code 1681a ( 2 ) ( b ), and 15 US Code 1681e ( b ).

Based on my understanding of the permissible purpose law, I do not believe that the late payments and charge offs were reported with proper permissible purpose. I would like to request that you investigate this matter and provide proof that they had a permissible purpose to report this information. If they are unable to provide such proof, I request that they remove the negative marks from my credit report as required under 15 US Code 1681e ( b ) .asap.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/16, I called bank of America to change my platinum plus rewards card to a travel rewards card. The rep that I spoke with said that I had to open a travel rewards card and transfer the credit line from the old account to the travel rewards account once I got the card. The rep explained to me that the bank viewed my account as a whole credit line and not as separate accounts. The rep said that when I got the travel rewards card that my account credit line would be slightly reduced by the amount of the credit line that they gave me on the new card. but, he stated that once I received my new card, I could call in and have the entire credit line moved from the old account to the new account and I could close my old account. 

On XX/XX/XXXX I received my new card and proceeded to call Bank of America to transfer my credit line but was told by the rep that I was unable to do that and that I could only do it once my balance was paid off or paid down enough to transfer the amount due. I told the rep that that was not what I was told when I opened the account. So I spoke with her manager, XXXX and she said that she could n't do it as well. But she did open a case XXXX and said that she escalated my problem and that they would investigate it and give me a reply by next week. I told her that I believed that her bank committed fraud by promising one thing and not delivering once I opened the new account. I told the manager I would file a complaint with the ftc.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

account was closed in XX/XX/XXXX there was an automatic payment attempt so there was a {$35.00} fee. the next month additional fees were applied until they sent me a bill for {$130.00} dated XX/XX/XXXXXXXX. First time i even was informed there were monies owed! I called Citizens bank XXXX unit and they told me these were just fees and they should be removed. But i would have to go speak to the branch manager. I went to see the branch manager and she basically told me I'm a deadbeat and i would have to pay this.My questions are this why did citizens wait 3 months to inform me i owed this? Why would citizens bank keep chaging interest and late fees on a closed account? And why wait until these fees are {$130.00}?
Consumer complaint received 2016-03-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MI)

We first of all was manipulated into a mortgage contract ( that terminated after 20 years ) the contract was called a ballom mortgage originally we had a 30 year mortgage then at that time they demanded that we refinanced the the entire amount of the mortgage which was {$100.00} at the beginning. we paid over XXXX into this contract and yet we did n't recieve any equity. then they refuse to negociate any thing with us mortgage reform called a Modified Mortgage. that we were never late on our payment all the while we kept all of our mortgage payments up. at the end of that time they refuse to except any payment. after becoming fustrated with mortgage we finally relocated. they then forclosed and sold the home for {$110000.00} and we did n't receive a cent back. We believe that we victims of preditory lending which was perpetuated by Ocwen Mortgage a division of XXXX XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (AR)

Sunrise Credit Services XXXX fore over XXXX months has failed # XXXX Company there Collecting For # XXXX has only my Social Security Number and was trying XXXX get more personal information I SIMPLY TOLD HIM TO COMPLY AND PROVE BY MY SIGNATURE AND COMPANY I OWE AND SEND DOCUMENTS IF ANY TO XXXX XXXX XXXX XXXX AR XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting 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. (OH)

On XXXX XXXX XXXX. I called all Experian, XXXX, and XXXX XXXX. In order to dispute 21 hard inquiries on my credit report. Back in XXXX XXXX XXXX. I applied for a car loan. And I asked the the dealership To only run my credit one time. And here are months later I have 21 Jard inquires. 

When I explain to the bureaus the situation. They told me that, They couldnt remove the inquiries. After I explained to them that I did not give consent to run my credit that many times.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (FL)

I was a victim of a scam, they even hacked my email and got all of my information in 2019. I have all the police reports, and the pictures of fake checks and hacking proof more than once. Money was stolen from my other account twice after that. 
I can't open a bank account because Early Warning refuses to correct my information. I have solved everything with XXXX XXXX XXXX and XXXX. 
I'm asking for a resolution, to help me out to be able to open a bank account.
Consumer complaint received 2019-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX also known as XXXX XXXX is reporting inaccurate billing information. Im not 30 days late and they havent updated any of my payments since XXXX. They reported 30-60 days late and affected my credit score terribly.
Consumer complaint received 2018-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have been trying to pay everything that I make to bring down my student loan amount and I have noticed most of my payments are going towards the interest rates for the past 3 years. These are the amount I have paid to interest for the past 3 years : XXXX {$13000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF XXXX {$46000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF XXXX {$35000.00} XXXX Tax Form - PDF {$0.00} Summary Statement - PDF I called them again and found out all these time they have set up my payment plan in a way that pays interest first then the balance. I don't think this is fair ... this needs to be recalculated since I have paid about {$95000.00} only in the past 3 years to interest vs. I this money have been applied to my principle my loans would have been much less now.
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I, XXXX XXXX, am notifying CAPITAL ONE in writing that I refuse to pay this alleged debt which i have addressed and tried to rectify on multiple occasions. Your company has refused to correct the balance on my account and has also refused to honor my open-end credit even after affirming via the phone by a supervisor that i am enrolled in an open-end credit plan. I opened this account back in 2018 and Since then Capital one has knowingly participating in the fraud through the US Mail and is in violation of said violation of 18 U.S. Code 1341. Capital One has threaten to close my account on multiple occasions, used extortion by threatening to report to my private information to credit reporting agencies, has put me under immense stress and mental illness by causing burden on my financial history with deceit, lies, racketeering activities and causing hardship between me and other financial opportunities. 

Fact, I, the affiant, have reason to believe and do so believe, CAPITAL ONE which is a private for profit corporation, regardless of your/their location, has participated in racketeering activity as defined in Title 18 U.S. Code 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making me believe that dividend was an invoice for services provided by the insurance companies, which is embezzlement, theft by deception and extortion. 

Fact, I, XXXX XXXX affiant, am a federally protected consumer, debtor, and holder in due course pursuant UCC 3-306.

Fact, CAPITAL ONE is a for-profit company whose regulated by Truth in Lending Act.

Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.

Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.

Fact, I, the affiant am aware, CAPITAL ONE, can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

Please be advised that a billing error NOTICE has been sent to XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TN)

Got divorced XXXX of XXXX, first payment fell behind in XXXX XXXX. I am trying to sell home and have been requesting assistance since XXXX XXXX to obtain Short Sale status on the property. I have spoken to numerous representatives and been given different answers each time. I was told in XXXX XXXX that I was able to list the property as Short Sale-then XXXX XXXX found out that still has n't happened and was served with foreclosure paperwork. I gave all my info on the phone to the rep XXXX in XXXX and was told I did n't have to do anything else -- now I have been told I have to submit all this paperwork for assistance ( that has been sent as of today ) and now I have been given summons for foreclosure and still ca n't list home as a short sale. I am trying to do right and sell the property so I can move on with my life and I am not being helped! I feel like I have been misled and given false information for months, resulting in devastating deficits to my credit report and now facing a lawsuit. Also, per the foreclosure summons, a notice was sent to my ex-wife regarding this matter, and she is not on the lien or mortgage, and I believe Chase has violated the Fair Debt Collections Practices Act by disclosing my information to an unauthorized third party. Our marriage was dissolved in the courts in XXXX XXXX and her name is not on anything related to this property.
Consumer complaint received 2021-05-03
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX US DEPT ED XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-02-21
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)

XXXX XXXX also known as XXXX XXXX is reporting inaccurate billing information. Im not 30 days late and they havent updated any of my payments since XX/XX/XXXX. They reported 30-60 days late and affected my credit score terribly.
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RJM ACQUISITION LLC (TN)

NO NO I DONT KNOW WHY THESE PEOPLE BE CALLING ME. I WORK TO MUCH FOR THIS TO BE MINE. I SENT A LETTER STATING THAT THEY NEED TO STOP HARASSING ME AND STOP REPORTING LIES ON MY CREDIT.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have disputed this before with the agencies, most recently a year ago, got a letter " creditor said information was accurate '', totally impossible. Years ago I got a call from BOA, so I asked proof of debt/payment. I searched my bank for the dates they gave me on the phone and more recently on my credit report, couldnt find any payments for those dates, let alone month within 7 years, I never got confirmation from them. I 've lived in the same house for 9 years, and have bank records computerized, going back 11 years and just to be safe searched quicken as well as the electronic statements finding no payments so it needs to be removed, and taken off XXXX / XXXX, I want to make it clear I 've had XXXX for 10+ years so the payment would be there, I even tried to match payment dates and nothing,. I feel they are re-dating, in fact XXXX / XXXX show different payment dates to keep it within the 7 year mark to keep it listed. 
Either way this is past statute and needs to be removed from the credit agencies.
Consumer complaint received 2015-08-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CT)

On XXXX XXXX 2015 made a mobile deposit for {$3000.00} into my chase checking account. This deposit will also cover the outstanding overdraft on my account. On XXXX XXXX, i was told my deposit check will be on hold til XXXX XXXX but the overdraft fee will be settle. Chase also inform me to stop by a branch to validate my ID. i stop by the branch to clarify any issue and was promise funds will be available on XXXX XXXX. 
On XXXX XXXX 2015 try using my debit card and was decline call chase and was told my account is on pending closure and i can not have access on my funds. For the following weeks to present i was on phone with multiple chase representative asking to release my funds. i kindly ask chase what is the reason to freeze my account with out notice and my account has no outstanding balance. Why didnt chase inform me about this situation, now all the bills which is drafted on my checking were chargeback .. on the following week i stop by a Chase Branch begging to release my funds, this is the only source of money i have, and needed to buy prescription at XXXX. Branch manager at XXXX told me that we are sorry but we can not do anything even myself was not told reason why account is frozen. Since XXXX XXXX my account been frozen, my bill payment has been charge back, i have no money and chase has not told me any reason why or send any statement
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

XXXX XXXX shows as a hard inquiry on my Equifax credit report ( the above case number is from Equifax ) that occurred on XXXX/XXXX/XXXX. I disputed with Equifax and they replied that it is an actual inquiry. The only XXXX related account I have is a XXXX card opened in XXXX for which an inquiry on my account shows as " XXXX '' made on XXXX/XXXX/XXXX. There should be no other XXXX inquiries as I have not applied for any other accounts with them or with department stores who might use XXXX. 

On the attached credit report, please see page XXXX where the inquiry from XXXX XXXX on XXXX/XXXX/XXXX is shown.