davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (IL)

Previous Complaint # XXXX with CFPB I previously raised the issue of not being able to link my debit card to my account. The company responded and in the response the Serve indicated that they have resolved the problem. 
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with non-monetary relief Company 's Response We have completed our research and have attached a copy of our response for your review. 
DESCRIPTION OF NON-MONETARY RELIEF We removed the restrictions preventing the debit card link. 

As of today XX/XX/2021 I still can not link the debit card due to this restriction. The representative stated the EXACT same script they gave me initially regarding the problem. Which is to state " you can no longer link a card to your account '', and the notice states to not discuss it with you. Etc. 
Once again I am reaching account to Serve to see if they can properly fix the problem as this account was NOT the subject of any fraud or other misuse as stated in the previous complaint. 

Serve you have to do better with your customer service. Beyond poor service, very demeaning representatives and a POOR reflection of the brand that services a certain socio-economic class of people. As I stated in the last message, it appears that the brand does not care to service its core customers properly.
Consumer complaint received 2024-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (FL)

On XX/XX/year>, XXXX XXXX WESTLAKE PORTFOLIO MANAGEMENT a written request for debt validation through the Consumer Financial Protection Bureau ( CFPB ). Despite this lawful request, they have failed to provide the necessary information required to validate the alleged debt. 
WESTLAKE PORTFOLIO MANAGEMENT 'S failure to respond adequately and lawfully constitutes a default under the provisions of the FDCPA. Moreover, any further attempts to collect this alleged debt without proper verification are in direct violation of 15 U.S.C. 1692g ( b ), which explicitly prohibits collection activities until verification of the debt has been provided. This refusal is a clear violation of the FDCPA, and your actions may constitute unfair and deceptive practices.
Consumer complaint received 2022-09-07
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: PENTAGON FEDERAL CREDIT UNION (CA)

The company has ignored the salient aspects of the claim. Regarding account figures the credit card numbers issued were incorrectly referenced in confirmation emails in my possession, independent of any fraud claim. New information has come to light when I looked further into PenFed 's management of their brand, web portals and cybersecurity practices. Upon further investigation, the scraping of my personal data carries those same credit card numbers " issued in error '' by PFCU 's admission. Those redundant email communications and portal web viewed were spoofed as part of the ongoing fraud in operation since April of 2022 '. The failure of PenFed to manage their customer facing portals and allowing personal credit card numbers to be scraped is the main driver of the causation here. See https : XXXX I suggest that this be escalated from typical collection reporting due to the circumstances. I will make a complaint in court together with damages if the credit reporting issue is not rectified. I will not take responsibility for the mismanagement of my information. The response is wonderfully data driven, but does not address the causation. The contact information on my account may very well be incorrect as well, as I have not received any communications. When were these last changed? how was this done? I am locked out of my PenFed portal.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2022, I noticed a fraudulent charge on my comenity Mastercard from XXXX. I called comenity and they said they would issue me a temporary credit while they investigated. They also said they would issue me a new card so that no further charges could be made on the account. The next day, XX/XX/XXXX, their website said they were down for a scheduled update and all that you could do is make payments. I have checked every day since then and the same error message shows up on their site. This morning however, I now get the error message that my account is closed. I tried calling the company and I dont even have the option to wait for an operator, it just says call back and hangs up on you. I need to know whats going on with my account.
Consumer complaint received 2021-10-14
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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (FL)

I had applied for a car loan with Kia motor finance and was approved in XXXX of 2021. The car was paid off in 3 months. XXXX Of 2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XXXX. XXXX 2021. No contact no update.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was fortunate, or rather unfortunate In getting a new job offer on XX/XX/2021 from XXXX so it seemed. The interview was through XXXX or XXXX  text and I chose XXXX  to be safe. After a couple of assignment I got a text that my first check on the XX/XX/2021 {$4900.00} in regards to purchasing equipment 's was on its way. After depositing the check, and the so called " Manager '' confirmed with the " accounting department '', the money was then cleared the next day. A day later I was then instructed to forward to another Bank of America account {$2000.00}, {$1500.00}, and a {$1200.00} wired, and another payment coming in for deposit {$4400.00}. Late evening the first check bounced, and the second check cleared, now in the negative this is a rather infuriating situation.
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: Fidelity National Information Services, Inc. (FNIS) (VA)

Fraudulent inquiries on my chex system report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, 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 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This is re-aging which is illegal.I disputed these account XX/XX/XXXX and on XX/XX/XXXX and multiple dates in XX/XX/XXXX because they updated the information which is still incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MN XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MI XXXX ( XXXX ) XXXX DATE OPENED XXXX XXXX. XXXX DATE REOPENED XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XXXX XXXX. XXXX
Consumer complaint received 2022-04-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Opinion based on fact. Companies were paid earlier in month. They have NOT RESPONDED WITH CORRECT BALANCE OR CORRECTING INFORMATION. Meanwhile my credit score remains low impacting my ability to gain better refinance terms. Attempt to reach Experian by phone fail, they basically tell you to XXXXXXXX XXXX while the company responds. In my opinion this works for the BENEFIT OF LENDERS! So where do you CFPB PROTECT WE CONSUMERS?????
Consumer complaint received 2022-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MI)

I was informed on XX/XX/XXXX when XXXX left a voicemail from the number XXXX ( unknown on caller id ) that I needed to immediately contact a member at Caliber Home Loans. I immediately returned the voicemail message and told XXXX ( she would not give her last name ) that the outbound phone attempts outlined above could not leave voicemails. Still, once a borrower has been flagged as " past due, '' messages can be left, which in my case was 40 days later. I'm not sure about other people, but I receive many spam calls and am not inclined to take any random calls. Therefore, when a voicemail is left, I'm quick to listen and quickly return legit messages. 

Considering that I did make our standard monthly payment of {$2400.00} on XX/XX/2022, through XXXX XXXX XXXX, I have always paid on time and was honestly unaware of the variance in price taking place in XXXX of a difference of {$280.00}, it seems questionable in lending practice and regulation. Furthermore, to learn that delinquency was reported to the credit bureaus that I missed a payment in XXXX ( whereas I was only made aware of the missed amount on XX/XX/2022 - almost 40 days later by Caliber Home Loans, seems like an unethical business practice. 

This situation has significantly impacted my credit score, and I'm discouraged by a lending company 's integrity and the practices that transpired. It is more of a " we gotcha '' practice than " we're here to help '' by servicing your loan as our customer practice. If I missed a payment altogether, I'd own the responsibility. But a delinquency filing on my credit score is simply unacceptable for hard-working American taking pride in every detail of my life to get slapped for a minimum delta in the discrepancy of {$280.00}. To state for the record, as soon as I learned of this variance, I immediately paid the delta and adjusted my bank, which is set on autopay for the new statement amount. 

In thinking about better customer service as an organization ahead, how about offering email notifications or sms text messages vs. random XXXX numbers. 

I have asked to have a manager call me back ( with no return call from XXXX or the manager ) if there is anyone at Caliber 's organization that would be able to reverse the filing against my credit score? I also asked for a contact within Caliber Home Loans that would be able to be shared with whom I can further communicate with?

To date, the delinquency has not been removed, I never missed a payment or heard back from a manager or someone of influence from Caliber to help me. 

I appreciate your help! 

XXXX XXXX
Consumer complaint received 2022-04-23
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. (OH)

AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX VI Account Number : XXXX
Consumer complaint received 2022-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a Huntington account online several years ago. They want me to visit a branch to close it. I am physically unable to do so. I dont know why they cant close it over the phone. Instead, they freeze my account that holds several thousand dollars in Social Security payments. I didnt even think that was legal. So, as I said Ive been fighting with them for several years and they still wont close it. Ive sent them several letters over the years too and they never seem to receive them.
Consumer complaint received 2022-04-23
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)

CITIBANK HAS NOW MADE AN ETROR ON MY XXXX CREDIT REPORT. DUE TO THEIR NEGLIGENCE AND DISHONESTY, MY EXCELLENT, ALWAYS ON TIME PAYING ON 1ST OF EACH MONTH SINCE XXXX. I FILED A DISPUTE FOR IN TOWN SUITES AND THEY OPENED A CASE AND SENT ME A NEW CARD. THAT WAS THE WRONG THING TO DO BECAUSE IT WAS NOT A FRAUD CASE, IT WAS AN ITEM NOT AS DESCRIBED, DEFECTIVE BRECH OF CONTRACT WITH IN TOWN SUITES. SO NOW MY CARD WAS SENT TO MY XXXX XXXX ADDRESS, I AM NOT THERE I AM IN TX HELPING MY SISTER WITH STAGE XXXX XXXX XXXX. WE ARE STILL IN A PANDEMIC AS WELL. I CALL ON XX/XX/XXXX TO MAKE MY PAYMENT AND XXXX SAYS I CANT PAY DUE TO NEE CARD BEING SENT OUT. I TOLD HER TO MAKE A NOTATION ON MY ACCOUNT TO AVOID LATE FEES. 5 DAYS LATER I GET THREATENING EMAILS FROM CITI SAYING I NEED TO PAY MY BILL OR ELSE!!! I DONT HAVE THE NEW CARD AND WAS TRYING TO PAY BUT CANT WITHOUT THE LAST XXXX DIGITS OF THE REPLACEMENT CARD!!!! SO WHAT WAS I SUPPOSED TO DO??? I CALL CITI AND IT GOES STRAIGHT TO COLLECTIONS WHERE IM VERBALLY ACCOSTED BY XXXX. XXXX THREATENING ME AND TALLING DOWN TO ME LIKE THE SCUM OF THE EARTH HE IS. IM ASKING FOR A SUPERCISOR, AND HE SAYS " SO YOU DONT WANT TO PAY YOUR BILL?!!!! '' ARGUING WITH ME IM GLAD IT IS RECORDED YOU NEED TO LISTEN TO ALL PHONE CONVERSATIONS WITH CITI AND MYSELF. I CALL 5 TIMES BEING VERBALLY ASSAULTED BY CITI REPS AND FINALLY PAY {$100.00} SO I CAN STOP THE THREATENING FROM CITI. MY DISPUTE IS STILL NOT RESOLVED AND I STILL DONT HAVE MY REPLACEMENT CARD. NOW ON MY CRDIT REPORT IT DOESNT SAY EXCELLENT PAYS EVERY MONTH ON TIME AND IM.IN THE PROCESS OF BUYING A HOME. I WANT CITI TO GET SHUT DOWN WITH IN TOWN SUITES FOR TRYING TO RUIN MY LIFE IN RETALIATION FOR COMPLAINING!!!!
Consumer complaint received 2021-12-02
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I tried to DEPOSIT a postal money order into my account. I signed the money order and wrote " FOR DEPOSIT ONLY ''. The teller XXXX XXXX did not want to do the deposit despite the fact that the postal website says money orders do not expire. XXXX was reluctant to return the money order which makes no sense being that he did not want to deposit it. XXXX XXXX XXXX from the XXXX Department lied saying I tried to cash the money order which is not true. All of this makes it seem as if Santander is stealing from customers. Postal money orders when they are deposited into bank accounts are always valid and do not expire. I do not understand how someone works in Corporate and can not tell the difference between the words " cash '' and " deposit. '' Although banks have different names but operate within the same Federal Reserve system, Santander is the most disgusting bank I have ever dealt with.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Management Services, Inc. (MS)

No dates listed for XXXX XXXX now handled by SPECIALIZED Management Services. Highest balance was {$580.00}. I asked for the debt to be verified and no response was given. I made payments because I was told " I am just doing my job! You have no right to 'get on me for doing my job ' ''. I wanted to know what the debt was for. I was told " XXXX XXXX ''. I would like to know why it is reported " as late ''. Why not " paid as agreed ''? 
Specialized Management is notorious for trying to ruin credit.

Account number two : Original balance was {$290.00} and now {$170.00}. It is being reported " as late ''. Why " late '' if I make a monthly payment and the balance is decreasing? The same scenario. Specialized Management NEVER validated the debt and itemized what it was for? I received a nasty phone message that I MUST pay more money. I returned the call and asked what the debt was for. " I am just doing my job '' was the response ''. Whenever I have had procedures done at XXXX XXXX, I try and make a payment. They say they will bill me. They never say they will turn it over to collections in 30 days!

My insurance has paid on both of these accounts!

Specialized Management needs to learn customer service!
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am so sick and tired of XXXX, Transunion and XXXX violating my consumer rights over and over again. They are lying me stating they have done an investigation to verify the accuracy of these late payment when in fact I KNOW they are lying. I have been in dispute with getting the following late payments REMOVED and updated on my consumer report. Late Payments removed from : XXXXXXXX XXXX  XXXX # XXXX Indigo acct # XXXX and XXXX XXXX  # XXXX They have violated so many of my consumer rights but here are a few : XXXX XXXX XXXX ( XXXX ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to : 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 2021-10-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prosper Marketplace, Inc. (FL)

I XXXX XXXX entered into a consumer credit transaction with XXXX/PROSPER on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 use 1605 defines a finance charge as the sum of all charges in a consumer credit Transaction. The Finance charge does not include cash, but XXXX PROSPER Point took cash and monthly cash payment which is equivalent to a comparable cash transaction. 

Congress stated if I go and get a " loan '' and there is a finance charge involved, because I used my credit card, which is defined my social according to 15 USC 1602 ( i ) ; to do a consumer credit transaction, I'm not suppose to owe anything more than whatever the finance charge is. Whatever the finance charge is in connection to a consumer credit transaction should be the sum of all charges. There should be XXXX cash included. The charges should all be together, according to Congress. It is inseparable to the extension of credit. 

15 usc 1605 also states that the finance charge does not include charges of ANY type payable in comparable cash transaction. Being that monthly payments are being made/or have been made that is in fact a comparable cash transaction. 

Examples of charges which are included in a finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount or other system or additional charges. The 32.99 % interest listed in Exhibit A and Exhibit B is in fact false and misleading because It is suppose to be included in the finance charge. 

XXXX PROSPER also failed to provide or conspicuously disclose, my right to rescind. Which is in fact is a violation of subchapter 15 use 1635 ( a ) - Right of Recission as to certain transactions.