davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (FL)

Round Point Mortgage self-placed flood insurance on my property without proper notification. I received notice that my property is now in a flood zone. I received this notice on XX/XX/XXXX that XXXX rezoned I think from the city. I immediately got the flood coverage on XX/XX/XXXX. I received notice from lender XX/XX/XXXX with the 45 day notice to get flood or they will self-place flood. I emailed proof of flood to Round Point XX/XX/XXXX day of their notice and to my surprise they placed flood insurance on XX/XX/XXXX. Round point refuses to waive the XXXX flood insurance charge for XXXX and XX/XX/XXXX. After talking to XXXX insurance reps the supervisor called me back. She refused to waive the fee. She said notice was mailed to me on XXXX was after they already placed. She claims letter notice was not grace period and I owe the fee. I asked for backup/documentation of where they paid and placed, and she said can't as I will receive an additional XXXX letters with info but can't send sooner or anything else. I believe even though only 2 days of insurance fees I believe this is wrong and unethical.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

Discover reported my payment as late back in XXXXXXXX XXXX XXXX. I called immediately as I had not received a single notice of the payment delinquency despite it being over 30 days late. They claimed that I was under paperless billing, but received no communication from them regarding this delinquency. 

After speaking with the agent and looking into things further, they confirmed that they had the incorrect personal information including my home address, which is what I had initially had my statements being sent to. They claimed that they don't send any correspondence regarding late payments, which the attached email proves incorrect. Before this I had never had payment history issues with Discover.
Consumer complaint received 2024-10-05
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: Resurgent Capital Services L.P. (OH)

On multiple occasions I have reached out citing legal forms requesting information that is backed by the government and have not received anything. I now demand that the items I have requested starting XXXX XXXX XXXXXX/XX/year>. Since then I have re submitted the request multiple times.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This creditor has violated my rights based on the FCRA laws. 

The congressional findings of the fair credit reporting act states that the consumer, me in this situation, has a right to privacy. My privacy has been eroded and severe burden has been placed on me and my family. 

It also states that a consumer reporting agency may only furnish a consumer report with my written instructions. I have provided no such written instructions. 

I believe this to be willful noncompliance at this point.
Consumer complaint received 2024-07-25
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2019-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

My Teach Grant was converted to a loan. I called XXXX XXXX XXXX to make this situation right as I have been working in a low income public school for 2 years and they told me I didn't re-certify in time. I never received an email from them. They told me it's my job to check their email frequently for notifications. I'm still working in the same school teaching low income schools, so I am continuing to fulfill my end of the agreement. 

Secondly, my Public Service Loan Forgiveness keeps getting denied for things like : -the start and end date were on the same line -all pages need to be uploaded again even if you have already submitted a cover page in a previous upload
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ADP Inc. (TX)

Wisely by adp wont let me have access to my money. I have called them multiple times and they basically are not letting me pull my money out of my account so I can pay my rent. Every day Im late is {$100.00}. I requested a new card so I could have access the account but its been over three weeks and I have yet to receive the card and even though this account has a routing and account number they still are not letting me have access to the account without a card.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I received a Chase XXXX XXXX XXXX  flyer in the mail with an offer stating to opt in to their email subscription and you will receive XXXX points after 3 months of remaining opted in and another XXXX points after remaining opted in for the full XXXXmonths. The offer I received in the mail stated you must sign up by XX/XX/XXXX. I signed up XX/XX/XXXX and have an email verification. I have remained subscribed to the email subscription since XX/XX/XXXX. I should have already received my first XXXX points, but after calling customer support I am being advised that leadership has reviewed my case and stated that I did not complete the required steps. However, they are unable to tell me what part of the deal I did not follow through with which is completely unacceptable. I need a clear and preside description of what part of the deal I didnt fulfill. This is their error
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (IN)

Attention lending team. I applied for chase credit card on XXXX and got denied, regardless of the reason for being denied I have the right to credit. Withholding my access to my securities is security fraud. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. 

Equal Credit Opportunity Act -Denying me access to my credit is discrimination
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Lvnv funding LLC is trying to connect is that for XXXX I have asked them by law and send a certified and notarized letter to the company and to the bureaus about this issue and ask them to be resolve his mind prove that that sent out the contracts with my signature on it and I have not received any of that information to back up their claims I do not have any relationship with this company never did or any type of contracts they are attempting to collect on a date that I have no knowledge of or nor care company I look for some assistance to handle this matter because this is hindering my credit and my financial stability.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc. (CA)

Over 10 years ago, I had an established service with a propane gas company where I rented a tank and they provided gas to the tank. In XXXX, XXXX bought the propane company that I was doing business with 6 years ago and started servicing me as a customer. After a couple of years of terrible service from XXXX, I canceled service and closed my account in XXXX. In XXXX, I started calling XXXX every month to ask them to pick up their tank. They would schedule appointments with me and never show up. In XXXX, I established propane service with a new company and had XXXX propane tanks in my yard. I called XXXX off and on for over 5 years to pick up their tank from my yard. After 5 years from my continued calling, they finally got around to picking up the tank. They billed me for {$350.00} for canceling the service closing my account and the tank pick up. I notified them that I wanted a bill detailing the charges and the signed contract where I initially agreed to service. I never signed a contract with XXXX. They bought the old company that I was getting service from and now they are trying to lock me into new charges. I asked to close my account over 5 years ago. Every year I had service with them I was subjected to a tank rental fee. I want to charge them a tank storage fee for leaving a tank in my front yard for over 5 years. I just received an email from A.R.M. Solutions collection services for charges of {$420.00} from the XXXX account.
Consumer complaint received 2019-02-25
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. (FL)

From my credit report from XXXX and XXXX there is credit inquiries that I did not make. XXXX XXXX  on XXXX XXXX saw XXXX as well. XXXX has inquiries from XXXX national credit Card Cos. Also XXXX XXXX. I did not make these inquiries. Please take them off
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (NY)

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX PA XXXX contacted me via mail and ongoing annoying phone calls past XXXX and early in the mornings, before ( XXXX ) to harass, annoy, and abuse me about a debt that is not valid.
Consumer complaint received 2019-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have inquiries on my report that have been giving me problems for almost 2 years now.It is from Capital One XX/XX/2017 and XX/XX/2017.This is a duplicate along with others from companies that have been getting me denied for lines of credit.
Consumer complaint received 2019-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX. XX/XX/XXXX amount {$1800.00}. This account dont not belong to me nor have not consent for this to get my information at all XXXX XXXX XXXX. XX/XX/XXXX amount {$150.00} and XXXX. This account is old should have not be on my report I was told from the rep they will remove it from all 3 credit bureaus
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (MI)

Hey so I had an account with Penfed Credit Union someone hack my account and tried to put a check in my account was not me so I tried to login my account and set up direct deposit for my new job and I was not able to login so I called and thats when I found out about a check was deposited in my account and I was shock and told them it was not me so they permanently close my account when I talk to them which is totally wrong and dont agree with the decision
Consumer complaint received 2019-01-21
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. (NC)

Since 2017 I have sent numerous written requests to the credit agency TransUnion in the matter of two accounts that appear on my credit from XXXX XXXX XXXX. In which one they removed. I have requested debt validation of these companies listed on my credit report per Section 609 of the FCRA ... Section 609 of the Fair Credit Reporting Act ( FCRA ) refers to a consumer reporting agency 's obligation to disclose information to consumers upon request. Credit reporting agencies are required to make available all information in the consumer 's file, as well as the sources of the information on file. The information disclosed must also include the dates and original payees of all accounts. Further, Section 609 of the FCRA stipulates that consumer reporting agencies must clearly make consumers aware of their right to dispute information in their credit file. I have to this day received no validation, no proof of any contract or orally any agreement showing I owe a debt to this company. I have submitted proof that one of the amounts listed for {$500.00} was removed by TransUnion, but yet the {$1700.00} amount still appears on my TransUnion report. This is a clear and blatant violation of Section 609 because nothing has been provided to me despite the numerous times I have requested validation of this account from XXXX XXXX XXXX. I am humbly asking tis matter to please be investigated. As shown by removing the amount for {$500.00} shows I have no contract with this company or any oral agreement with this company I owe them none of the monies listed they say I owe, and no validation of these accounts were given to me as I have requested numerous times. I am humbly asking for an investigation into this matter. 


Thank You
Consumer complaint received 2019-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

They are reporting fraudulent addresses in my credit profile. XXXX XXXX XXXX XXXX, XXXX XXXX are not my addresses. Please remove from all three bureaus
Consumer complaint received 2024-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Lendmark Financial Services (CA)

I FILED A COMPLAINT IN XXXX OF 2024 IN RE - TO LENDMARK FINANCIAL AND I DID GET A CALL ABOUT MY COMPLAINT BUT NOTHING MORE THAN THAT SO I AM CONTINUING TO FILE ANOTHER COMPLAINT IN REGARDS TO THE FEES OF ADD ONS, XXXX XXXX HAS SEVERAL PROTECTIONS FOR CAR BUYERS BORROWERS ETC LENDER CAN NOT ADD CHARGES TO A CAR CONTRACT WITHOUT THE BUYERS CONSENT AND DISCLOSURE I NEVER RECIEVED A DISCLOSURE OR WAS I ASKED ABOUT THE ADDONS SO IT WASNT KNOWN AT THE TIME BECAUSE THE LENDER DID NOT EXPLAIN ANY ADDITIONAL CHARGES SO AGAIN I ASKED LENDMARK TO REMOVE THE ADD ONS AND ADJUST THE SALE PRICE OF THE VEHICLE THE XXXX TOLD ME NO HIS NAME IS XXXX THERE WAS NEVER A CREDIT DISCLOSURE OR EXPLANATION TO HOW IT IS USED AND THE FIRST CONTRACT HAD XXXX OF XXXX % I REFINANCED THINKING IT WOULD LOWER MY PAYMENT IT RAISED IT WITH XXXX AT XXXX % WITH NO EXPLANATION AS TO WHERE THEY FIGURED THE XXXX ALSO I DID GET A PRINT OUT OF PAYMENT S RECIEVED AND NOTICED THE FEES THAT ARE CHARGED FOR LATE PAYMENTS ALSO I PAY WITH MY DEBIT CARD ONLY I SEE NSF CHECK RETURN FEES I DONT PAY MY CAR NOTE WITH ANY CHECKS SO I DONT KNOW HOW THEY CONTINUE TO XXXX FOLKS AND NEVER HAVE ANY KIND EXPLANATION TO FEES ADD ONS THEY SAY THE ADD ONS WERE TAKEN OFF BUT IT WAS NEVER ADJUSTED THE TOTAL XXXX SO THE CONTRACT SHOWS XXXX MORE THAN WHAT I BORROWED AND THE PHONE CALL FROM A LENDMARK EMPLOYEE DID NOT CHANGE THE ERRORS THAT THEY HAVE APPLIED TO MY LOAN AND IVE HAD UP TO MY EARS WITH THERE BS SOMETHING NEEDS TO BE ADDRESSED ABOUT THEIR PRACTICES ITS DECEPTIVE AND AGAINST THE LAW ITS VIOLATING THE FINANCE ACT AMONGS OTHER LAWS I DO HOPE YOU CAN FIND A WAY TO THIS MATTER ALL OF THE EMPLOYEES ARE INCOMPETENT AND THEY HAVE NUMOUROUS COMPLAINTS ON THE BBB WEBSITE OVER XXXX COMPLAINTS THE NEXT STEP IS TO FILE IN COURT ON THEM IM LOOKING FOR RESOLUTION AND THE TRUTH IN LENDING ACT WHICH THEY DO NOT APPLY ITS PREDATORY LENDING I SAID IT BEFORE SO THERE CHGING ME NSF FEE FOR A CHECK THAT WAS NEVER WRITTEN I ALWAYS PAY WITH MY DEBIT CARD .PLEASE DO GET BACK TO ME, THANK YOU
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kovo (TX)

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOUTHSTATE CORPORATION (GA)

My account was closed as a charge off account without any notice. My account was closed with a pending direct deposit and a positive balance. Once I learned the account was overdrawn from service fees that ( we should not have even been getting because we opted out of paper statements ) I added money to the account to cover that balance and they still closed our account. When I called to find out why they stated they were unsure of why it would be closed to go talk to local branch manager. I done that and asked to reopen the account as there was a direct deposit sitting and a positive balance and they said they would not do that. Now I have to wait A week for the direct deposit to be sent back to my employer and reissued so I can get paid. This is completely unacceptable. This is with Southstate bank XXXX XXXX
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: U.S. BANCORP (IA)

I am not dealing with a company. I am dealing with a bank. I presented a {$4500.00} check for deposit in my account. It was deposited and then the bank discovered it was fraudulent. The check was returned to the originator. Now, I am responsible for paying the bank back the {$4500.00} that was deposited. I have no funds to pay that back. I am asking if I have any recourse to pay that back. I do not know how long the bank gives me to reimburse it. Is there an agency that will help me pay that back?
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC (MD)

I am writing to formally address an issue I have encountered with Best Egg regarding the terms of closing out my loan. After contacting Best Egg to pay off my loan, I believed the process was complete. However, I have since been pursued for a one-day interest fee due to what they claim was late mail. 

This is now the second year in which Best Egg has sought this one-day interest payment, despite the fact that they were late in recording the transaction. To make matters worse, they have reported this fee to my credit report and are attempting to charge interest on this minimal amount. 

I find this practice to be unreasonable and indicative of usury. As a result, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to address this unfair treatment. I am requesting BEST EGG waive the one day late fee and provide me a pay-off letter for the {$35000.00} loan.
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

I called the customer service line for Macy 's credit card, at : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX and spoke to an agent for about XXXX minutes. I informed the agent that I received notice of a collections agency attempting to collect a debt from me in regard to a Macy 's account. I informed the agent I did not open this account. The agent told me I have to call the debt buyer XXXX XXXX XXXX XXXXXXXX to inform them of the fraudulent account.
Consumer complaint received 2024-07-25
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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (TX)

It appears that XXXX XXXX has sold an account to Transworld systems the account number is not listed but shows in the amount of {$200.00} I have never had a account with XXXX XXXX I am XXXX XXXX XXXX and have lived in my home for over 40 years and have never had an account with XXXX XXXX or Transworld systems, they are reporting this inaccurate information on my credit report which is tanking my score.