davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (SC)

Westlake Portfolio Management opened on my credit report as a new auto loan finance company. They said that they were transfered from US Auto Sales, but none of my prior payments transferred as of my credit report. The loan agreements were changed without my knowledge and I was no longer covered under the gap insurance and extended warranty I purchased. Westlake Portfolio Management ( A debt collector, not financial institution ), illegally repossessed my vehicle with no communication. After my car was repossessed, they sent me a letter stating that in order to get my vehicle back, I had to pay the full balance of {$17000.00} within a weeks timeframe. Westlake was closed on my account, they went in to update false information consistently affecting my score.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (CA)

On XX/XX/24 I requested BMO Bank XXXX XXXX XXXX to close my personal Cash Back Credit Card, via online account secure messaging, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX informed me to call in to close my credit card. On XX/XX/24 I called BMO Bank XXXX, and requested to close my credit card, during the process the phone call was disconnected. I called right back and requested again to have my credit card closed, customer service banker informed me the account is now closed, I then destroyed the credit card. On XX/XX/24 I logged in at XXXX XXXX XXXX XXXX XXXX to verify the credit card is closed, but the account is currently open. 

NOTE : Credit card was originally managed by Bank of the West, in which BMO Bank acquired them.
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I deposited my paycheck today ( XX/XX/23 ) on my bank 's mobile app. The first time I tried to deposit it, the bank informed me there was an extended hold on my deposit in effect until Thursday ( XX/XX/23 ). I then cancelled my deposit on the app, and the app asked me very clearly, with the very particular verbiage : " Are you sure you want to cancel the deposit? '' I then selected the option for yes and tried again. The same thing happened, an extended hold on the paycheck until Thursday XX/XX/XXXX ( XX/XX/23 ). I spoke with the bank via customer service and was first informed that " the check was deposited multiple times '', which was clearly not the case. The Bank informed me that their system was trying to catch up to the mobile banking app, which is very clearly on the Bank, and not me the consumer. I explained that situation and reasoning with the Bank and I was then informed, " there was reasonable cause to believe the funds are uncollectible from the paying bank. '' I have deposited several paychecks from this job previously, so I'm not sure why this instance was an issue. In my entire time banking with Bank of America, I have only overdrawn my account one time to my knowledge, therefore removing that cause for the hold from the Bank. Like most Americans, I live paycheck to paycheck with very little, if any, savings to cushion me. I have bills that are coming due, and I need to pay them, but I can't pay them when I have {$150.00} in my bank account to last me until the XX/XX/23. At this point, Bank of America will have to reimburse me for any late fees or overdraft fees that are accrued due to them effectively picking and choosing when they apply a hold on paycheck being deposited. Also, under federal reserve guidelines, the first {$220.00} of the paycheck must be made available to me by the next business day, and Bank of America has never once followed this practice. At this point in time, I am heavily considering hiring legal counsel to see what, if any, recourse is available to me to ensure that this does not happen in the future.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The Bank ( Capital One, NA ) has been using a significant low APY relative to the market rate I signed up for when I initially opened the account. According to the Bank they adjust their savings accounts structure and customers I had to proactively call them to sign up for the new structure since it was not automatically adjusted. I do not have a record of the Bank providing me with any correspondence to sign up for this newly adjusted account structure. The APY they have been using is 0.30 % compared to the market rate that has been 4 % +. I noticed this when I compared my savings account at this bank and another bank for my year end taxes.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

We respectfully requested that Discover Card remove the 30 days late from our credit report. We have been good customers and Discover Card has been great to us. After making a XXXX XXXX dollar payment on the card we made a mistake on the next payment. We had it set up to go out automatically but it was the wrong amount. We didnt know anything was wrong until the card began to decline. We didnt get any alerts. 
We have set up automatic withdrawals with Discover Card so that it will not happen again. It was a big mistake on my part that cost me XXXX XXXX points on my credit report. We usually receive an alert when anything is going on with the card. We didnt receive any alerts. A representative from customer service said that someone would reach out to me on why we didnt receive an alert. No one did. 
The month that it happened I was diagnosed with XXXX. I didnt realize that I must have put the information in wrong. We have spent all of our live maintaining our credit and Discover Card refuses to help us with this issue. 
Remember we paid XXXX XXXX the previous month on our card. That is why Discover Card should see this as a one time error. I am trying to get a auto loan and the thirty days late has hurt me.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I tried purchasing concert tickets and I found a seller on XXXX. They requested that I made payments using XXXX XXXX and I used my Capital One Debit Card to access my funds and to pay the seller. When I did send the money over to the seller they never did send the concert tickets I purchased. I did try and communicate with the merchant that I would like my money back but nothing productive came out of the conversation. I contacted Capital One on XX/XX/year>XXXX  to dispute the charge of {$340.00} and they made their decision on XX/XX/year> to deny my claim. After hearing about this decision I tried to do a rebuttal and I heard from them a second time on XX/XX/year> where they maintained their initial decision about the dispute. I do not believe that the {$340.00} shouldve been taken from my account since I did not receive the produce I have hoped to purchase.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX ( the transaction didnt show until XX/XX/XXXX ) my wife and I attempted to yse our XXXX reward miles to purchase a flight with XXXX XXXXXXXX to XXXX . This flight is to see the XXXX XXXX XXXX XXXX XXXX who will be XXXX any day now. The capitol one page forced reset the page before we could buy the ticket but our miles disappeared. Weve spend around 4 hours on the phone with Capitol One requesting them to return our miles to us. They said they will do an investigation which could take up to 90 days. Our sister could go into XXXX any day now and we need to buy the ticket now. They have offered no solution to return our stolen miles back to us. We have spoken with XXXX XXXX who say theyve received XXXX payment and contact from capitol one which means this is all an internal system error within Capitol One. We deserve to have our hard earned mileage returned to us immediately so we can travel to see our XXXX XXXX XXXX XXXX. This is unjust.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

LEXUS NEXUS reported our dismissed bankruptcy without prejudice to the three credit bureaus, even though they did not obtain this information directly from the courts ( listed as the " Creditor '' ) There is no " creditor '' in this case as no activity occurred whatsoever regarding this case. Credit bureaus are advising that this will be on our report until XX/XX/2029 even though no product or service was ever rendered to or by us by anyone or any business at all regarding this case. How can a 3rd party reporting service report a case of owed credit that does not exist? Would that not be considered fraudulent information? 
We have contacted the court, who has let us know that they neither report NOR verify this information, so the credit bureaus saying they verified the information as accurate can not possibly be true.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally file a complaint against your credit bureau regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit file. Despite my continuous efforts to correct these discrepancies, my credit report remains marred with inaccuracies, negatively impacting my financial well-being. 

I have made several efforts to dispute these inaccuracies by following the procedures outlined by the Fair Credit Reporting Act ( FCRA ). Each time, I have provided all necessary documentation and supporting evidence to substantiate my claims. 

Despite my XXXX attempts to resolve these issues, I have encountered the following problems : My previous dispute letters and supporting documents seem to have gone unanswered, leaving me in the dark about the status of my disputes. 

The delay in addressing these inaccuracies has resulted in financial hardships and lost opportunities for me. 
The presence of these inaccuracies is severely damaging my credit score, making it difficult for me to access fair lending terms and credit opportunities. 

I am frustrated by the lack of responsiveness and efficiency in addressing my concerns. I understand the importance of accurate credit reporting, and I am fully committed to working with your credit bureau to ensure the correctness of my credit file. 

I request that you conduct a thorough investigation into these inaccuracies, rectify them promptly, and keep me informed about the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts to verify my attempts to rectify these inaccuracies. I am asking for your assistace to remove the following inaccurate items in my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2023-10-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

XXXX XXXX requested from XXXX XXXX to end of the XXXX Forbearance on or about XX/XX/2023. XXXX XXXX received a correspondence dated XX/XX/2023 from XXXX XXXX outlining the Current Payment and Terms of which they contend includes a Partial Claim Amount of {$77000.00}. This is incorrect, there is no partial claim. Additionally, instead of assisting the consumer with modified terms that are rational in nature [ and non-predatory ], they instead are selecting to put consumers in a predicament that puts them further in debt and worse, puts their homes at risk of foreclosure. This is evident in the Estimated Modified Payment and Terms that XXXX XXXX is proposing on the letter : i. Increase interest rate from 3.125 % to 8.000 % ii. Change remaining terms from 360 to 480 months iii. Change total monthly payment amount from {$1300.00} to {$1900.00} The amount in arrears as of XX/XX/2023 is {$5000.00}. XXXX XXXX instead of rationally deciding to place this arrears amount to the end of the loan, they choose predatory practices by extending loan term 10 years and changing interest rate to more than market rates for a primary home. In addition, XXXX XXXX and the loan servicer, Lakeview Loan Servicing , LLC. are failing to adhere to SCRA Protection as a member of the military. XXXX XXXX asks the Consumer Finance Protection Bureau and the Office of the Comptroller to thoroughly review of the above-named mortgage servicers lending practices. Thank you.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

15 US CODE 1681A TITTLE definitionS RULES OF CONSTRUCTION PARAGRAPH 2 OF THSI TITTLE EXCLUSIONS AND SUB PARAGRAPH A SUBSECTION I STATES THAT TRANSACTIONS ARE NOT INCLUDED IN THE CONSUMER REPORT XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT
Consumer complaint received 2023-10-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OR)

My home loan was former through XXXX. Everything was fine and I never missed a payment. My Escrow, Insurance and taxes were supposed to be all taken care off. Then find out after NewRez has my loan my payment went from {$1300.00} to {$1600.00} and is currently at {$1500.00}. 

They claimed my escrow was in negative. Which was news to me as I never missed a payment. It seems XXXX had done something and lost my escrow. I have proof from the title company that they paid the escrow for the first year. Yet despite showing proof they refused to accept any responsibility. 



I will provide proof in the document.
Consumer complaint received 2023-10-19
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: EQUIFAX, INC. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting ITEMS as unconfirmed information without producing proof within the legal time range. 

XXXX XX/XX/2023 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (NY)

Had my Social Security benefit 's transferred to Chime card, For Sept. I noticed my XXXX wasn't correct so I called Chime support XXXX XXXX was changed during this my money was taken XXXX on XX/XX/XXXX. I contacted chime very next day, There team member told me a dispute has been filed.dispute number XXXX XXXX there team member hung up on me.Chimes after investigation said I otherized payment to a XXXX. I told them this wasn't true, my money went to a women named XXXX XXXX I know no one such as her nor would I otherize that kind of money I live on XXXX per month. I can Gmail documents if have email. 
I contacted the XXXX XXXX XXXX and they did there best to resolve the matter. But Chime stands by there decision. 
I've contacted the Attorney General .I took screen shots of everything and forwarded it to them. Chime after all this I looked there busyness up have a history of this type.
Consumer complaint received 2023-10-19
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: Roadrunner Account Services, LLC (NV)

I don't comprehend why I have to repeatedly file complaints regarding an issue that ROADRUNNER ACCOUNT assured me they would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. ROADRUNNER ACCOUNT SER XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2023-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I received a notice in the mail on XX/XX/2023 which came from Caine and Weiner saying that I have an outstanding debt of {$840.00}. I went on the website immediately and completed the online form to request them to stop collection and to send me information that shows that I owe the debt. I did not receive any further correspondence from them a few weeks later I called to request them to stop collection and to send me information that shows I owe the debt. they sent me back to the website and I filled out the form again. I received no information from them again. On XX/XX/2023 I called them for the third time to request them to stop collection and to send me information that shows I owe the debt. again they sent me to the website saying that I had filed a cease and desist and that's why they had not sent me any information. However, I had never filed a cease and desist. On XX/XX/2023 they sent me documentation via email that shows a XXXX BALANCE ( ie, an outstanding balance of XXXX DOLLARS ). Via email, I asked for additional documentation that shows that there is actually an outstanding balance of {$840.00} but they refused to provide that information to me.
Consumer complaint received 2023-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

I received a letter from XXXX XXXX XXXX XXXX stating that I owe {$110.00} on {$29.00} that I owe to PayPal Inc. The issue is that I don't and have not had a Paypal a balance owed. There are no delinquencies listed on my credit report. I never received a notification from PayPay that I owed the {$29.00} and only learned about once I received the letter from XXXX claiming they were trying to collect a debt. This is 100 % fraud!
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANKERS HEALTHCARE GROUP LLC (CA)

Dear Sir/Madam I am writing to you regarding an issue I am facing with my BHG Business Credit Card account XXXX My name is XXXX XXXX and I have been a loyal and responsible customer of XXXX XXXX XXXX XXXX  for XXXX XXXX  I am deeply concerned about the recent block placed on my BHG Business Credit Card account. Despite consistently making payments on time, maintaining a flawless record, and demonstrating strong business revenue and income, my account has been inexplicably blocked. This block has severely disrupted my ability to conduct essential business operations and has caused undue stress and inconvenience. 

I have attempted to resolve this matter by reaching out to your customer service team on multiple occasions, but regrettably, I have not received a satisfactory response. Despite my efforts, the issue remains unresolved, and I am left without access to my account. 

I kindly request your immediate attention to this matter and ask for the block to be promptly removed from my BHG Business Credit Card account. I believe that this action is unjustified and does not align with the exemplary history I have maintained with XXXX XXXX XXXX XXXX. 

I urge you to escalate this issue to the appropriate department or individual within your organization who can provide a resolution promptly. It is crucial that this matter is addressed with urgency to minimize any further impact on my business operations. 

I appreciate your attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX XXXX XXXX or XXXX to discuss this issue further. 

Thank you for your cooperation and understanding. 

Sincerely XXXX XXXX.