davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
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: Experian Information Solutions Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

This is a follow up to a previous complaint filed with the cfpb complaint # XXXX On XXXX XXXX, I received a response via the cfpb portal that said American Express was still conducting an investigation regarding my fraud claim, and that an investigation regarding a claim opened XXXX XXXX was underway. They promised that they would send an email when their investigation was complete. On XX/XX/2021, I received an email from American Express Serve telling me that they were once again denying my fraud claim, and suspending and closing my account. I felt that this action was retaliatory for my filing a claim with the cfpb. On XXXX XXXX, I sent by US Mail, a certified letter to American Express Serve for an explanation of the Consumer Use Violation, Section 15D, which they gave me as a violation, and reason for closing my account. I asked their representative on the phone for an explanation of that violation, and was told I must look it up online. I was never able to locate an explanation of 15D. I no longer have access to my account, therefore, I requested copies of statements of my account from XXXX, XXXX, XXXX, XXXX and XXXX of 2021. I have yet to receive those documents. I also sent in a separate letter to request they reopen and continue my fraud claim investigation. The only correspondence Ive received from them is a check for {$70.00}, and a check for {$0.00}, which they say was the balance in my account. My claim is a crime of fraud and theft, and should be recognized as such by American Express Serve. 

Once again, I still have the debit card in my possession ; have always had the card. I didnt give anyone permission the make these charges, and I didnt make them myself.
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (LA)

I recently placed a complaint on these guys for making me wait for my refund. An executive named XXXX emailed me like he was going to contact me in one or two business days, now its been a whole week. Another payment is approaching and I still havent received my refund. My bank filed a complaint on them as well because when on three way with them, no one could find a check number for the refund that they supposedly sent out. Now, theyve sent the refund to their own personal third party check free business to hold the check as long as they possibly could. This is a complete failure and I need these people to be prosecuted. This so called executive seems like us where these bad managed employees got their training from.
Consumer complaint received 2021-07-19
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: Affirm Holdings, Inc (TN)

On or around XX/XX/2021, I submitted a complaint to Affirm about a loan that was fraudulent opened in my name. I received a response the next day from Customer Care that I would need to call and discuss the matter over the phone. After providing all of my information I was informed that the matter would be looked into. On XX/XX/2021, I received an email from Affirm stating, " Based on the available information, our investigation indicates that you are responsible for the loan and payments associated with XXXX ''. I asked them multiple times what proof could I provide as I travel a lot and have no information on the loan, what was purchased, or any information that may have been used for the purchase. I tried reaching out to the merchant but without successfully verifying information on the order they could not help me and directed me back to Affirm who still wanted me to fill out an affidavit but there was nothing I could provide them other that hotel/flight receipts. The email address on the order didn't even match mine nor would they tell me what email was used to place the order. I did not electronically accept/sign any loan terms for this customer in the amount of {$920.00}. Since I would not make payments on this fraudulent loan, it has become delinquent and charge off ( XXXX ) to ta third party collection company, XXXX XXXX.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NJ)

This is a continuation of the problem I already reported. Following my complaint to you of XX/XX/21, I got a form letter from Citi basically saying " We appreciate your feedback. '' They gave me a number to call, and it was just their normal automated answering service where eventually you get transferred to a person who transfers you to another person. I explained my problem : My husband died and I was told I had to apply for a new card with just my name on it. I got denied because I applied for two credit cards ( for the same reason ) on the same day. I got denied a second time because the agent accidentally registered my application twice, and was told I had to wait 60 days to apply again. In the meantime they cancelled my joint credit card because my husband was dead, and now I can't go to Costco  for 2 months, or get 4 percent off gas because I no longer have a card. 
The representative said she would transfer me to her supervisor, but instead I got transferred to the number to apply for a new card. So I again applied for a new card ( thinking the supervisor had possibly approved it ) and after the long application process, I got turned down again. Citi Bank Credit Cards are terrible deal with. Unfortunately they have a contract with Costco so they know they can be as mean as possible and you have to deal with them if you like Costco.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

I'm making payments every month and there sending me payment balance that I'm behind when I'm not it's been hard with this covid 19 to make payments but I have been doing it and its getting frustrating and also the balance of the loan doesn't even move like the last 3 months it says XXXX and also sending me delinquent letters
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you in advance for your cooperation.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANNER CORPORATION (ID)

The documentation is self explanatory. I do not have regular internet access. Therefore, this complaint along with any correspondence relating to it must be mailed. Here is my info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX and the complaint is against Banner Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Short synopsis of complaint : This complaint relates to the bank charging for paper statements on my checking account. Federal Law requires financial institutions provide paper statements. I formally sent Banner a letter on XX/XX/2021 requesting them they sent paper statements. I did not get a response from the bank, instead I got another paper statement fee on the XX/XX/2021 statement. I had multiple contacts via email with the local branch vice-president who did not explain why a fee was being charged but invited me to find another bank. I told the gentleman that not all banks charge for paper statements and its not only a violation of consumer rights but anti-competitive for Banner to charge a fee. I made it very clear that I need paper statements because I do not have regular internet access. I have attached both Idaho Code and US Code that state this fee for paper statements can not be legally enforced. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MST Financial Services, L.L.C. (WA)

I was contacted on XX/XX/XXXX I received a phone call from Chapman Financial services. The caller did not identify that the debt they were attempting to collect was for medical debt. The caller was rude and badgering asking why I don't pay my debts. The caller then inquired about my wife 's alleged debt. I asked to communicate via email to have a clear record. I sent Chapman 3 emails ( XXXX, XXXX, and XX/XX/XXXX ) requesting they verify the debt and giving notice the debt was disputed. On XX/XX/XXXX I received a letter from Chapmans attorney that gave account numbers the name of the hospital and amounts as follows : {$810.00}, {$1200.00}, {$1400.00}, {$270.00}, {$210.00}, {$700.00}, {$1600.00}, {$1300.00}. The letter failed to meet the requirements of RCW 19.86 and RCW 19.16. while also inferring the collector would get a judgement against me. On XX/XX/XXXX I received a summons as the debt collector had filed a law suite . This collector never attempted to settle the debt and instead rushed to court. The attached letter was the only communication other than the harassing call I recieved from Chapman Financial Services, a dicvision of MST Financial Solutions
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC (PA)

Hello. I have XXXX loans reporting with BMG Money on my credit report ( I can only have XXXX ) .Ive paid XXXX in full more than XXXX ago. Ive disputed this with the credit bureau XXXX and BMG responded with the XXXX accounts are accurate. Ive called BMG multiple times and each time I was told it would report correctly on the XXXX of the month. I disputed on XX/XX/2021 with Paid in full documents Just recently and still came back from BMG as being accurate. I need for this account to report correctly. Its holding up my home buying process. 

Thank you
Consumer complaint received 2024-08-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I use biometrics to log into my Coinbase account with the app on my phone. One day, the Coinbase app fully logged me out of my account and required me to enter my password to login as opposed to using biometrics. I entered my password and the app said it was incorrect. I entered my password again, the app said it was incorrect and I was then blocked out of my account with a message that said Coinbase will review my account and email me when the review is complete. It took 5 months, and many attempts on my end to contact Coinbase support for Coinbase to finally send me the following email and allow me access to my account again : " Hi XXXX, I hope this message finds you well. We appreciate your patience while weve been reviewing the provided information. Were happy to share that we now have everything we need to meet regulatory requirements! We have fully restored your account and you can consider this case closed. '' I then logged into my account just to see that Coinbase had drained all of my funds. I investigated further and discovered that Coinbase had transferred all of my funds to themselves on XX/XX/year>, while they had me blocked out of my account. I have since called Coinbase support many times and tried to file complaints with them, just to be told that they have already responded to my previous claim with the CFPB and that the case is closed. I need Coinbase to return all of my funds back to my account ASAP.
Consumer complaint received 2021-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IN)

I opened a Auto Loan with Kia Motor Finance on XX/XX/XXXX. Since I opened this loan I have had issues with KMF applying my payments to my account.Every month I have to call customer service after my payment task them to do so. After I call it takes around two weeks for it to be applied and its usually time for the next months payment to be made. 

After dealing with this since XXXX, I have also had to complain about them applying my payment towards late fees that I should not of had due to my payment was made on time and KMF reporting incorrect information on my credit report. 

The major complaint is that my payments after applied is being distributed incorrectly. Please Note that my Due date is the XXXX of the month @ {$570.00} Examples : Date:XXXX. Payment:XXXX. Principle : XXXX Interest:XXXX XX/XX/XXXX. XXXX. XXXX XXXX XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I made an attempt to put my payments ahead by 2 months so I would never be behind.Since the computer and the company could not keep up with payments, I am not ahead at all. Instead they calculated my payments incorrectly. Also during the time that I was making extra payments they had another system glitch that completely wiped out ever single payment that I had made since XX/XX/XXXX. After the payments were put backing the system over 30 days later, nothing was the same. My account was even showing past due when I made extra payments to be ahead on my payments by two months.

KMF has made it very difficult to remain accuracy with my payments.I really wanted to make extra payments so that I could have paid my vehicle off early. KMF customer service does not help solve any of these problems. KMF gives an excuse every single month that I am not the only customer dealing with this issue but this has been going on for years.

I am absolutely convinced that due to KMF applying my payments incorrectly, I should owe less on my vehicle than what is being showed.
Consumer complaint received 2021-07-19
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 ). ( US SM BUS ADMIN ODA XXXX ). ( US SM BUS ADMIN ODA XXXX ). XXXX XXXX XXXX  XXXX ). XXXX XXXX XXXX  XXXX ). ( XXXX  XXXX XXXX ). ( XXXX XXXX XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I sent money via XXXX from my bank ( Bank of America ) to an individual claiming to sell custom furniture. Now, nearly a year later, the furniture has not been delivered and the seller refuses to answer the phone or emails. 

I called my bank, Bank of America and provided all of the information and requested that they initiate a chargeback on my behalf. Bank of America refused to assist me and stated there was nothing they could do. 

The transfer happened on XXXX XX/XX/XXXX for an amount of XXXX to XXXX XXXX XXXX XXXX. Now nearly a year later, XXXX XX/XX/XXXX, XXXX XXXX the owner of XXXX XXXX XXXX XXXX refuses to answer emails, the phone, or deliver the furniture. 

I am preparing to file a lawsuit against XXXX XXXX XXXX XXXX however a much more preferred route would be for Bank of America who I have used as my bank for over 20yrs would at least attempt to recover the funds.
Consumer complaint received 2021-07-19
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. (DC)

XXXX  is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. XXXX  discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. XXXX  did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. XXXX  lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue XXXX  and its board members for malfeasance. XXXX  also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. XXXX  is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my XXXX  and experian reports. I have reported XXXX  to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. XXXX  KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. XXXX  is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. XXXX  ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.XXXX  DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE XXXX  AND EXPERIAN DID. DO NOT SEND THIS COMPLAINT TO XXXX XXXX XXXX, XXXX WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! XXXX  AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY.
Consumer complaint received 2021-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (CO)

Call date/time : XX/XX/XXXX, XXXX XXXX The caller ID shows " Cavalry ''. The phone number was XXXX ( call back number is the same with extension XXXX per voice mail ). 

A female voice ( name is XXXX XXXX ( sp.? ) stated she needed help locating " XXXX XXXX ( sp.? ) ''. There is no XXXX XXXX at this phone number or our home address ( my wife has lived here since XXXX ). We do not know any XXXX XXXX. 

We are also on the Federal Do Not Call Registry with this number. 

I am aware of at least one other call from this company, perhaps six months ago.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

In trying to obtain a new mortgage to buy a new home/ refinance in XXXX of XXXX, my mortgage broker found discrepancies on my credit report which were made by my current mortgage company - Mr. Cooper XXXX Nationstar Mortgage. They reported that I was late on several consecutive payments while I was in an active bankruptcy between the years of XXXX through XXXX. 

Per bankruptcy guidelines, I was never late on these payments and should have never been reported as late since I was covered under the bankruptcy laws. I have worked very hard since my bankruptcy was completed in XXXX, to rebuild my credit with all payments on time during and after my bankruptcy. 

I was told to notify them in writing which I did on XX/XX/XXXX. 
On XX/XX/XXXX, a letter was generated that I never received stating that all corrections were made. I called back in late XXXX and requested them to e-mail me this letter since it was not received. But when I pulled my credit, I found that my mortgage company erroneously placed me in an active 5 year bankruptcy effective XXXX of this year XXXX, and havent reported me making any payments since then. 

This caused my credit score to drop from XXXX to XXXX with no chance of obtaining a new mortgage or any other type of financing. 
When I called them to report this, I was told to submit another request in writing and they tried to blame it on the credit bureaus. I called the credit bureaus and they confirmed that this was reported by my mortgage company. 

I submitted another request on XXXXThey said that they removed the active bankruptcy from my credit report, but have still not reported me making my mortgage payments on time since XXXX of XXXX. When I called last week, they said my file was still in the bankruptcy department and they were not finished with the corrections. 

Meanwhile, my credit score is still not what it was prior to all of this happening, and nobody seems to care how this has affected every aspect of my life. I still have not received an explanation as to how this could have happened. It is going on 4 months since my initial request to correct the late payments. I don't understand why my file is still in the bankruptcy department and why they have not reported my timely payments since XXXX of XXXX. 

I have been waiting 4 months since my initial request to make a simple correction. I can not get pre-approved for a new home or a refinance until this is all resolved. I want this resolved ASAP.