davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (VA)

I closed my account bc I could affored to pay off the card with the extra fees, agreed to pay off what was left of the card and nothing extra. XXXX XXXX says my card is closed and the destiny mastercard says I have no available balance so I thought the fees would stop. I pay XXXX bucks a month for a card I don't even use anymore only to be billed another XXXX dollars in fees just for paying the credit card off. Seems like I can never pay it off because of the fees! They are scamming me and many others, and I've become more in debt than ever over a supposedly closed account. I talked to someone over the phone and they told me I would not be charged extra fees but here I am, half of my credit card payment going towards fees.
Consumer complaint received 2023-12-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I signed up for a payment plan to buy a piece of furniture with Rooms to Go. Without my knowledge or consent, they signed me up for a store credit card which was how the debt was to be paid After I received my first bill, I immediately enrolled in autopay. Despite my efforts to set up automatic payments, I received a late payment notice. I confirmed my enrollment and then tried to reenroll in autopay to confirm. Then I continued to receive more late payment notices and late fee assessments. After I tried to correct the issue, I ultimately decided to just pay off the debt in full to avoid any further hassle with the company. I believe the company has effectively stolen {$66.00} from me through late fees that were assessed as a result of their own unreliable autopayment system. I spoke with a customer service representative today XX/XX/2023, and she confirmed that this is a common compliant she hears from customers. 

It appears that, at best, Rooms to Go/Synchrony bank is knowingly assessing and collecting late fees from missed payment caused by their own system.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I filed CFPB complaint XXXX against USAA on Monday the XXXX and believe that I have been retaliated against by members of the USAA staff for doing so. 

Immediately after filing the aforementioned complaint, USAA stopped offering me the ability to verify my identity over the phone by sending a six digit text to my cell phone. All departments are now requiring me to enter a code from the " token '' on the USAA app. However, when I provide them with the token on that app, they inform me that this is the wrong code and that they are going to disconnect the call. 

I have reached back out to the department of the CEO ( who IS able to verify me via text message. ) They told me that they are not aware of a situation where a client would only have ONE verification method offered to them, because, under ordinary circumstances, there are backup questions that have been offered. I am not being offered any backup questions. I asked the representative from the office of the CEO how we can resolve this. She advised me that if I go to usaa.comXXXX I can upload a color copy of my driver 's license. I asked if this meant that I will no longer need to enter a security code when I call in, and she said it would NOT do that. I stated that I didn't understand how this would help my problem. The representative did not have an answer to provide me. 

I believe that after filing a complaint with both USAA and the CFPB, a member of USAA 's staff illegally modified the settings on my account to make it impossible for me to access support from USAA going forward as retaliation for filing a complaint.
Consumer complaint received 2023-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc. (KS)

I received notification through email that the mortgage company purchased a home owners insurance policy for my home. The annual premium is said to be {$6600.00} which is almost 4 times the amount of my original homeowners policy premium. 
I feel like a victim of predatory and unfair lending practices.
Consumer complaint received 2023-12-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC (CO)

Planet Home Lending - Loan Solution Center XX/XX/XXXX final day at work. Location closed. 
XX/XX/XXXX I started the process to request for help. I bought the house putting my savings into the house in XX/XX/2023. I don't have extra to pay the house, electric, water, etc. I did not know my position would be eliminated with a closure. I am job searching and asked for help. Unemployment hasn't paid. 

The Planet Lending said they have 30 days from the Complete Package Acknowledge Acknowledgement which was delivered on XX/XX/23. Twenty days after I submitted everything. 

XXXX I paid late and was charged {$130.00} extra late fee. I asked if I could pay XXXX of the interest to avoid the late fee for XXXX. I was told if I pay XXXX it won't be applied until paid in full. They said they won't report a late payment until the XXXX. But suggested I pay in full. 

I am being held hostage with their " review '' process. They drag their feet to get the extra money from the people before they help them. Banks should be efficient. I was told Planet Lending had too many hardship requests and not enough staff. I told them to hire me! 

Please put pressure on them to do their job so I don't ruin my credit during this time of hardship. 

Servicer Name : Planet Home Lending Servicer Address : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Phone Number : XXXX Fax Number : XXXX Relationship Manager Name : XXXX XXXX Phone Number : XXXX
Consumer complaint received 2016-03-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

HSBC recently began charging a number of new fees on my checking and overdraft protection accounts. I am not aware of being notified that these new fees would be put into effect, nor am I aware of having agreed to this significant change in the terms and conditions of my bank accounts. It is possible that these changes were hidden in one of the periodic updates to the terms and conditions of my accounts with HSBC but no attempt was made to make me actually aware of these significant changes to the fees which are charged to my bank accounts. I have had my HSBC checking account for 15 years and my select credit ( overdraft protection ) account for more than five years. Looking back through my banking statements, I can see that HSBC did not begin charging these particular fees until XX/XX/XXXX. 

The XXXX new fees are a 'maintenance fee ' on my checking account and a 'miscellaneous debit transaction fee ' on my select credit account. I was charged maintenance fees of {$15.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$120.00}. I was charged miscellaneous debit transaction fees on XX/XX/XXXX for {$10.00}, on XX/XX/XXXX for {$30.00}, and on XX/XX/XXXX for {$20.00} for a total of {$60.00}. I was told that HSBC charges a {$10.00} fee for every transaction on the select credit account. The fees I have listed include all instances of these fees being charged to my checking and select credit accounts during the 15+ and 5+ years that they have respectively been open. After speaking with HSBC customer service representatives, some of the fees have been reversed but they will continue to charge them on new transactions. 

I believe that I was also deliberately misled by HSBC customer service representatives. I was told repeatedly that the terms and conditions of the accounts have not changed and that these fees have always been in place. This is an obvious falsehood which is made apparent by a review of my bank records, which I have done. The 'miscellaneous debit transaction fee ' is also similarly titled to the normal monthly finance charge for the select credit account, which appears in my statements as 'miscellaneous debit *finance charge* cash advance. ' I believe that these fees were given similar titles in order to deliberately confuse and mislead HSBC customers so that they would not notice the new fees being charged to their accounts.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

Dear LexisNexis & XXXX XXXX XXXX I verified and authenticated myself months ago and I have to documents that was mailed to me to provide proof of that. I verified myself and my phone number over the phone and online. It wasn't until I requested another consumer report and I accidentally entered my wrong DRIVER LICENSE NUMBER. This has effected my case with CFPB and XXXX XXXX XXXX because I don't no longer hold access to the phone # ( XXXX ) XXXX. My phone # has been XXXX for years now. I even verified myself before and I have full evidence of Consumer Report showing my number. I believe LexisNexis made a error and contacted CFPB claiming to reach me when i was the one to make BOUND calls to LexisNexis. This is unfair and causing me to pay monthly for a auto loan that my private seller ( XXXX XXXX ) can not cash because XXXX & LEXISNEXIS are not doing there correct part at ALL First the problem was being unable to verify my number, now because of this incident XXXX XXXX left note saying Not to call my number according to XXXX fraud department Sincerely, XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

Dear XXXX, I am writing to let you know about my concern about an ongoing issue related to our credit account. We had previously received a letter confirming that the problem had been resolved, and the information was updated in the three major credit bureaus. However, we were later informed that the account needed further correction. 

The issue is that while we had the account open, it was accessed and altered without our knowledge. Due to our health conditions, my husband and I were hospitalized with XXXX and couldn't monitor the account. Our friends and family made monthly payments without checking the account details. Although we fully resolved the issue through back-and-forth communication, we were recently invited by the CFPB and FTC to continue the process until it is entirely resolved. 

We both discovered that the account was compromised, and we closed it and paid the outstanding amount using linked accounts. It has been a nightmare for us, especially since we are a XXXX XXXX XXXX that relies on the account 's stability. We have been back and forth with this issue, and it's now outside the allowable period for discovery. The accounts should be wiped clean, and new cards should be issued immediately. 

Text messages and links were sent previously, and I thought you had all the necessary details since they were included in the original police report. I appreciate your hard work and time on this, given the current understaffing and overloading workload. I want to request that you continue to help me resolve this issue, as I have been passed around and forced to start from scratch each time. We can go ahead and resolve this matter entirely before the year ends. 

Thank you so much for your help. 

Best regards, XXXX and XXXX XXXX From : XXXX XXXX XXXX Discover Financial Services XXXX Sent : Wednesday, XX/XX/2023 XXXX p.m. 
To : XXXX XXXX Subject : Consumer Financial Protection Bureau ( CFPB ) XXXX Dear XXXX XXXX, Thank you for your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are adequately addressed, your inquiry has been forwarded to my attention within the XXXX XXXX XXXX XXXX XXXX at Discover. 



I'm currently looking into your concerns. I will send a detailed response to you when I finish my investigation. 



If you have any questions or want additional information, please contact me at ( XXXX ) XXXX. I am typically available XXXX, XXXX XXXX XXXX. XXXX. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (VA)

On XX/XX/2023 I spoke with a Aldous & Associates LLC employer and requested a wet signature and original contract to verify account. Without doing so should result in deletion on credit profile. I see it still on credit profile and its been longer than 30 days since I spoke to representative
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridge IT, Inc. (LA)

In accordance with the Fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acoount Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account Number : unknown not reported Account Name : XXXX XXXX XXXX Account Number : unknown not reported 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes with antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX is over 7 years and was supposed to fall off XX/XX/XXXX account was not removed or investigated all information never changed
Consumer complaint received 2015-09-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TCF NATIONAL BANK (AL)

I closed an account at TCF Bank XXXX XXXX XXXX in XXXX 2 months ago. I had an {$0.00} balance. they were supposed to send a check. I have called them 4 times regarding the issue. It 's {$0.00} cents! I am tired of calling them and them saying they sent a new check to me. They have my updated address and I never received it. It should not be this difficult. They are failing to communicate, send me this small check for closing my account, and I 'm tired of calling about it. This was the worst customer service I 've ever received closing an account. It should not be this difficult. XXXX phone call to close and they send a check. Simple stuff but they are not doing it.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian Credit Reporting Agency changed my legal name without verification or requesting my government/state issued identification credentials. My data has been breached twice this year and the companies that compromised my identity offered the 1yr. credit monitoring service, XXXX XXXX, sponsored by Experian Credit Reporting Agency. My personal data was listed on the Dark Web. I had to change all of my accounts, passwords and cellphones. 

Instead of keeping my data safe, my data is being haphazardly mis-managed and violating my consumer rights.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (NC)

On or around XX/XX/2023 I filed a debit card dispute against XXXX XXXX XXXX XXXX for the amount of {$1300.00} to navy federal credit union. they promised me that they are investigating the charges. ive been calling for over a week now and they keep giving me different answers telling me things like it has been assigned to someone already and others saying it's still waiting assignment. i would like for them to please go ahead and look into this so i can get my money back from XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

XXXX - purchase made in XXXX, XXXX for souvenir merchandise - a coffee mug, a shirt, and a shopping bag. 
- I was told by the store owner the cost of merchandise would be roughly XXXX USD. The receipt wasn't given nor required a signature. 
XXXX - The amount reflected on my credit card statement was XXXX, resulting in a XXXX surcharge. 
XXXX - Contacted Chase dispute department, was told unable to proceed due to I'm unable to provide merchandise receipt. I tried to explain I was never given a receipt and asked if there was anything else I could provide instead. The specialist told me I should've asked for a receipt if they didn't provide it.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XXXX a letter was sent to XXXX, XXXX and Experian requesting debt validation and method of verification with all supporting documentation bearing my signature. To this date there has been no documentation provided and no response from the credit bureaus. This shows that Experian, XXXX and XXXX are not complying with their own policies to report accurate information, provide validation and method of verification along with all supporting documents in a timely manner this is a clear violation of my FCRA and FDCPA rights.
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (AK)

We submitted a refinancing loan online through Navy Federal on XX/XX/year>. We were contacted by a representative the following day and the voicemail stated that we need to contact them with information regarding our loan application. 
On XX/XX/scrub>XXXX XXXX XXXX  we called Navy Federal customer support and spoke with a representative who informed us that the application we submitted online was not valid due to the application stating that the current auto loan was through a third party which it was not, its through Navy Federal. 
Upon receiving this information we decided to redo the application over the phone with the representative since we already had a preexisting loan through them. Before we agreed to any disclosing agreement we asked the representative if another hard inquiry would be required again, she stated, no, that the hard inquiry they used for our online application would be able to be used for this and another hard inquiry wouldnt be needed. 
My husband and I both received notice from credit reporting agencies that another hard inquiry had been conducted again on both of us. The information given to us by the representative was fraudulent and misleading. We will dispute the second hard inquiry by Navy Federal as this was not authorized by us and we were not properly informed by the representative and we were lied to. 
We hope that something can be done in this regard and if it is due to the representatives lack of knowledge we hope that she would be better enforced with the information she needs to not misinform her clients over the phone. 
The XXXX hard inquiries are a problem that we now have to address.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Entrata Inc. (AZ)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.