davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-30
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. (FL)

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 
XXXX  acct # XXXX 15 U.S.C. section 602 A. States I have the right to privacy.

15 U.S.C. section 604 A. Section 2. It also states a consumer reporting agency can not furnish 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 advise item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( i ). A person shall not furnish information relating to any consumer if- the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate.
Consumer complaint received 2023-06-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Velocity Portfolio Group (NC)

I am writing to lodge a formal complaint against XXXX XXXX XXXX, CKS Financial and CKS Prime Investments , LLC, an entity operating under the holding company Velocity Investments , LLC, spearheaded by XXXX XXXX XXXX XXXX. 

Over the past few months, I have received multiple unsolicited calls from a number associated with these organizations. On each occasion, the callers have been reticent about their identities and their company 's purpose. This includes not properly identifying themselves, abruptly ending the call when asked for identification, and insisting on personal confirmation before disclosing any information. 

Specifically, the dates and times of the calls are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All but the last were unanswered as I was unable to while working. On the day of the final call, I decided to answer the phone. During this interaction, the representative asked for my name without properly identifying himself or stating the purpose of the call. After multiple attempts to ask for his identity and company representation, he abruptly hung up. This call lasted a mere XXXX seconds. 

Immediately following this, I called back, hoping to gain clarity about the nature of these continuous calls. However, the representative I reached, again, refused to identify himself or the company he represented, and immediately asked if I was " <my name> '' This call ended after XXXX seconds, with little progress made. 

I called back one more time and I was able to speak with a female representative who informed me that they were calling from " XXXX XXXX XXXX '' on behalf of their client, CKS Prime Investments , LLC. I was told that I owed a debt significantly higher than what has ever been reported on my credit report. The representative claimed that such increases were normal, and cited an example of a consumer who had a {$200.00} XXXX card but had to pay {$700.00}. I was shocked at this admission. I inquired about how to remove this from my credit report, but was informed that even if I paid in full, CKS Prime Investments would not remove the mark from my credit history, only label it as " paid in full. '' There are inconsistencies with the debt amount these companies claim I owe. Not only is the amount higher than the original credit limit of the card, but I was also informed that even if the debt were to be paid in full, it would not be removed from my credit report. Furthermore, the debt is being reported twice, once by XXXX XXXX XXXX and again by CKS Prime Investments. This claim appears to be part of a pattern of trading debt among affiliated companies to maximize profits or evade regulatory scrutiny.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

I discovered my account was frozen on Tuesday XX/XX/XXXX. Debits were stopped but deposits were allowed to continue. I got on the online chat, they told me to call the fraud dept and that is when I was informed. I called a local branch for help, he called the fraud dept with me and still no luck. I went to work because I am a XXXX  and single person who needed money because it was all just taken from me with no real answers. When I finished my morning clients I walked to the closest branch and a nice gentleman tried called around and still nothing. No answers, no check, no date as to when I will get my check. My work rent is due tomorrow and my apartment rent is due Saturday. I truly dont know what happened, all I get are vague words about XXXX however the account that im told is the issue doesn't receive my XXXX  payments. Generally I dont receive that many XXXX  payments. I am truly stunned and the branch workers were also shocked. I dont know what to do. I can't wait 30-60 days, I could lose my business, livelihood, and my apartment.
Consumer complaint received 2023-06-30
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX have violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions also codes 15 U.S. Code 1666b,15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), 15 USC 6802B these late payments need to be changed to paid on time never late and deleted and accounts removed immediately and {$1000.00} per violation done equaling to {$7000.00} check mailed to my address per UCC & USC laws
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation (OK)

On XX/XX/XXXX saturday two weeks before XXXX my card number was used in new york at XXXX XXXX they stole XXXX dallars when i called XXXX XXXX XXXX XXXX they only told me this info and im in oklahoma they sent out a paper and i filled it out sent back ive called everyday no update these people are a joke and they are criminals i want my pay back im a single mom they need to be shut down most people ive spoken to are foreigners and make excuses for the ones who have stolen your money its a scam how can i get my money back they gave me an dispute id XXXX but no money still this company is a fraud they help foreighn countries and there people steal our hard earned money please do something theres thousands ofcomplaints on this company
Consumer complaint received 2023-06-30
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. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reportsXXXX 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 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 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
Consumer complaint received 2023-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OneMain Finance Corporation (CA)

Visited XXXX XXXX 's website to explore debt consolidation loan options and check rates. Through the prompt I entered in my identity information and at the bottom of the screen before clicking accept there was language staying " accepting will not impact your credit score. '' After that I received a credit alert that onemain financial had submitted a hard credit inquiry. I was transferred from a local branch to corporate to speak with XXXX in the Disputes Department. XXXX " XXXX '' advised me that I am incorrect and that I must have " checked a box '' to authorize them pulling my credit through the interface. I advised her that I did not and offered to go to the website to take screenshots. She told me it wouldn't be necessary and there is nothing she can do and that I would have to file the dispute with the bureaus. She told me it was an FCRA violation for them to delete the inquiry. I advised her it was also an FCRA violation for them to conduct a hard inquiry without my explicit authorization and verifying my identity to ensure it was me and that there should be someone to whom can help me like this as it could be a technological issue between XXXX XXXX XXXX OneMain... I probed a bit more to see if there is someone else to speak to and she said that they don't have a department that can help me remove the inquiry. I advised her that this isn't an acceptable practice and that I will never do business with this organization. I then requests as a California Resident for them to remove any and all data from their systems about me ; she condescendingly stated " We'll see what we can do '' and ended the call. 

Bottomline : They are in FCRA violation by pulling my credit without explicit consent or if consent was captured it was not in a clear acceptable way that I knew as an end user what I was doing. As result, my score decreased XXXX points via XXXX for just checking a rate on a personal loan. This can impact negatively and the service I received was negative. Now working with the bureau on the appropriate dispute.
Consumer complaint received 2019-01-13
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. (TX)

On XX/XX/XXXX I notified XXXX, Trans Union and XXXX  of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (WA)

It all started on XX/XX/XXXX when I received a text to my personal cell phone that looked like it was from USPS ( possible url had a lower " t '' in it instead of USPS, it was XXXX ) about a delivery failure and they needed me to click on a link to provide my e-mail address and pay {$0.00}. Which I did on my credit card. This text had a tracking number from USPS that I believe was my original tracking number from two weeks prior when there was a real delivery issue. I was then a victim of smishing. As soon as I provided my credit card number from Citibank and my address, I immediately cancelled my card. They issued me a new card which had not been delivered yet. On Wednesday morning XX/XX/XXXX, I received a text from Citibank fraud saying you need to call us due to a possible fraudulent transaction. I called the number from my text and they told me that there was a transaction in the amount of {$390.00} to a XXXX XXXX in California and that Citibank had blocked it to protect me. I may or may not have confirmed the new card member that's in the mail which is the number that was apparently used for the {$390.00} transaction. I canceled that card too and now there's a third one on the way. My issue is I believe the original Citibank fraud phone number that was texted me for me to call which is XXXX IS A FRAUDULENT and fake Citi fraudulent department #. I then contacted Citibank PH # on the back of my credit card and they confirmed that they do not have a phone number as XXXX and they have no record of that number calling me or me calling it. They do have record of me calling the actual number as well in the last two days. So I am reporting fraudulent activity from someone pretending to be from the USPS, and then providing a fake Citibank fraud number to get my second credit card number. Apparently, this is a known smishing fraudulent activity that USPS is aware of. I have since made drastic measures to protect my info, including using an encrypted password manager. I even called USPS to make a fraud claim and asked about how a person could change my mailing address and they said as of XX/XX/XXXX, it is required for people to come to a post office in person to provide 2 forms of ID before any address change can be made. Not knowing if I called a fake USPS, I went into a local USPS station and it was confirmed by a supervisor, that address changes policy changed in XX/XX/XXXXXXXX  as the person on the phon had told me.
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

Selene Finance is the mortgage company that I have a loan with. 
I have been trying to get a loan modification with them. All documents were sent several months ago.They have used stalling tactics to keep our loan from reaching the underwriter. We have have documented date times and duration of every call and it is pure waste of time. 

It is as if these folks are not trying to help customer in need of mortgage assistance on purpose. All required documents have been sent. Yet they continue to string us along to this day as we approach the deadline for the file to be reviewer. 

When we ask for managers or escalations, we are dumped right back into the queue for calls to start over. We have been put on hold for infinite amounts of time. 

One of the supervisors name XXXX XXXX informed me that I would get a call back from the escalation team and no one returned the call. 
She claimed that she would write a letter of complaint of my behalf to the ombudsman and I explained that his would be a conflict of interest if such a department existed. 

Their business practices are very shady and how they handle customers is terrible. I feel bad for anyone who has to put up with the treatment they get. 

The level of customer service is terrible but the stalling tactics are in violation of many laws and this is why I decided to file a complaint here. I hope CFPB Can address these issues as I have documentation to support my claims. 

If you are dealing with Selene Finance, please logged date and times of all calls, names of people you speak to and their supervisors. There seems to only be one that keeps taking our calls.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (WI)

HomeDepot sent an email alleging there was a past due balance when, in fact, the account ( XXXX ) had a XXXX balance. 
Email received XX/XX/23 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

They keep calling everyone in my family 's cell phones my house phone 12 times a day plus. claiming there is a warrant for my arrest in XXXX XXXX Delaware a state I have not lived in for 2 years. They keep harassing my family and their cellphones. They say they are process servers but they are not.
Consumer complaint received 2023-06-30
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. (PA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MS)

XXXX XXXX  said that I had an account with them charged off in 2017, and they sent it to XXXX XXXX XXXX when I called XXXX XXXX XXXX they stated that they didnt have no record of this account also and could not provided me with the full verification I requested Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein i agreed to Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Approval that collector has this account Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

Please provide the name and address of the bonding agent for XXXX XXXX  in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 
Best Regards XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PROSPERITY BANCSHARES, INC. (TX)

I have a dormant account with Prosperity Bank. I have just logged in to finally close the account since it is not being used and discovered the bank has been charging me a {$15.00} returned mail fee every month for the duration of my statement. 

I noted that my profile was changed on XX/XX/2022 to update to the correct mailing address and have verified that the mailing address on my profile is my current, valid mailing address. So the fees are being charged fraudulently and any returned mail is not due to an error in my mailing address or due to any fault of mine. The fees total to over {$200.00} they have cost me due to processing errors on their end. 

I have called three times to address this issue. The first time the representative dropped the call. The second time, I was put on an endless hold. The third, I was informed there was a " hold mail '' status placed on my account without my knowledge or authorization. Furthermore, if there is a hold mail status then there clearly was not any returned mail so again, the fees are incorrectly applied and unlawful. 

I have attached a copy of my statement showing the numerous charges, a copy of my account notification showing I properly updated my profile to the correct mailing address on XX/XX/2022, and a screenshot of my mailing address in the system which is the correct valid mailing address.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (MI)

I have a Health advantage credit card account with Wells Fargo, I opened this account to help pay for my XXXX  XXXX. I was told that I had 18 months no interest if I was making timely payments. Before I had my XXXX I requested an increase and was approved for {$300.00}, I was told that the {$300.00} only comes with a 6 month no interest offer, I accepted. I had the XXXX  and began making payments of {$120.00}, I did do for 6 months. On my most recent statement I noticed an interest charge of {$18.00}. Upon further review and in communicating with wells fargo to inquire why I was being charged interest when I had been making payments, have exceeded the {$300.00} with a 6 month no interest period, I was informed that my credit card was divided into 3 separate accounts and that wells fargo divided my monthly payments, based on priority that they determined, meaning payments were not divided evenly, but based on their system. Over the 6 months wells fargo made an average payment of {$8.00} from the {$120.00} I was paying to the account with {$300.00}. It wasn't until I started incuring interest that they allocated my full payment to the account which then had {$240.00}. Over 6 months I paid {$730.00} and in total they allocated {$52.00} to my account with {$300.00} 6 months no interest. It is important to note I personally had no discretion or option as to how my money was allocated or to what account it went towards. Wells Fargo determined that. I do not believe I should be incuring interest because if I had control I would have paid off my account before it incurred interest, and as the consumer I'd expect my creditor to act in my interest and my behalf, since I was not given a choice.