davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Stop reporting fake false wrong info on my credit reports. Debt is NOT paid off. There is no proof. There is no payoff letter or statement. I asked for a payoff letter on my loan portal. But XXXX has not provided a payoff document. Even my payoff request says its still a debt held by XXXX until they get the money. No money was ever transferred for this contract. XXXX reports a fake false wrong XXXX balance because the debt is not paid yet. Please stop reporting fake false lies on my credit file. U r doing it to hurt me and its working. I beg u to stop.
Consumer complaint received 2023-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MD)

XXXX XXXX XXXX I received a debit card from Chime that I never signed up and opened. Then I started to receive emails from Chime. Then on XXXX  I received several emails that I sent XXXX to people I don't recognize and know. On XX/XX/ I called Chime and asked them to investigate and close the account by providing them with my email address and the account number on the card I received. I informed Chime that I never opened this account. They closed the account and sent me an email confirmation.
Consumer complaint received 2015-12-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (IL)

TCF Processed debits before credits on my account and then charged an overdraft fee of {$37.00}. I specifically called TCF the very day the transactions were pending and they told me the credit from the deposit would process before the debit payments. In fact they did the opposite and the account was never overdrawn if credits were processed before debits.
Consumer complaint received 2015-11-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

In XXXX 2014 I was approached by USAA to refi my home. They told me I would have XXXX online access to my account. In XXXX 2014 I closed on the refi and paid all the closing cost. At that time I had the access that was part of the agreement. In XXXX 2014 I applied for auto insurance with USAA. During the phone interview I admitted to committing a felony over 10 years ago. I was denied insurance, that was fine. I have the mortgage payment automatically taken out of my checking and I pay XXXX toward principal. Well last month they took more than I authorized so I went on line to check why to find out I was denied access to my mortgage account. I called USAA and was told if I did not like it that I could go find another mortgage company and refi again. They bounced me around for over 4 hours and told me its my problem. Never once did they put someone on the phone with a straight answer. I can not believe they are treating me differ than all there other clients with mortgages. They keep telling me I can use the phone app and I have had XXXX techs on and still no satisfaction. I feel I am being discriminated against and I am not getting the services that they are supposed to provide to the account. I feel I am being penalized by USAA if I want to pay on my principal at any time and I can not do my online business with them as stated in them obtaining my mortgage. I served my country proudly and made a mistake over 10 years ago that I paid for. If at the time of me refinancing I had options with other providers and XXXX online access is part of all there promotions.
Consumer complaint received 2016-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (CT)

I had a mortgage with XXXX XXXX. With XXXX, I could set an autopay to come out on any day of the month I wanted. My loan was sold to Provident Funding. Provident only allows autopay to come out on one specific day of the month. I also can not schedule my current month 's payment for a specific day in the future. Now I have to remember to make my payments on the day I want them to come out, or I might get charged fees. This is definitely not designed in the consumer 's best interest and is a downgrade for me. I did n't get a say in the sale of my mortgage and now I 'm getting less functionality. Please help!
Consumer complaint received 2015-04-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Byrider Franchising, LLC (GA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Credit determination — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In the course of getting approved for a credit card from Capital One, I reviewed my credit reports and discovered they had conducted a " hard inquiry '' on several of my credit reports multiple times without my express authorization. Fortunately, my XXXX report was frozen and not able to be accessed. However, my XXXX and XXXX reports were not, and now have a total of XXXX hard inquires from Capital One! This is ridiculous, and unnecessarily damages my otherwise excellent credit. I authorized only XXXX inquiry when I applied initially, not XXXX. As a result, while applying for another card I was denied. On the adverse action letter it stated the reason for denials was " too many recent inquiries '' ... unsurprising I suppose considering the damage Capital One recklessly incurred to my credit reports. This denial of my applications has had a tangible and negative effect on me ; I was counting on getting approved. I am hopeful the CFPB can assist me in getting this situation remedied ASAP.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

My corporation dissolved in XXXX of 2013. I had XXXX credit cards that were issued to my corporation - I never signed personal guarantees. After I lost my business, I began receiving bills and collection notices for these XXXX revolving accounts. I asked these creditors to provide proof of my personal responsibility, and not as an XXXX corporation. After many months and years of correspondence, they still have not provided proof. I had my attorney correspond and we still received no evidence of my personal responsibility. I am a veteran and these old collection accounts are affecting my credit which is keeping me from lowering my interest rate with my XXXX.
Consumer complaint received 2016-09-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MT)

Capital One loan is for a recreational vehicle which we 've been making payments on for approximately 8 years. For all of those years, we have made a monthly payment of {$99.00}. The loan began as a fixed rate, but recently, in the past 6 months, additional fees have been added, we 're now told that the loan is variable rate. Every month for the past 5 months, we 've had to write or call customer service and get charges removed. We 've also been charged late fees when the payment was not late. We 've been told that the payment must be made BY A CERTAIN TIME on the due date or it 's considered late.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The economy is bad and so is my credit report which is way much worse, which has inaccurate information on it causing me XXXX  XXXX. Didn't know upholding my rights as a consumer is this frustrating it's making me XXXX, I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

They are reporting duplicate accounts on my credit report, which are accounts ending in XXXX and XXXX. 

My account with XXXX was never late! I have had exceptional payment history witH XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe harm to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX and XXXX of 2022 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late, and they did not comply with the law! 

15 USC 1666b ( 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 XXXX  days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and it was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports and remove the duplicated account.
Consumer complaint received 2022-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX, {$550.00} was transferred ( Unauthorized ) out of my EDD Bank of America account. 
XX/XX/XXXX {$5000.00} was transferred ( Unauthorized ) out of my EDD Bank of America account. 

XX/XX/XXXX - I contacted Bank of America fraud dept and started a fraud claim. 
XX/XX/XXXX - I received a letter stating the claim was not approved. Reason was " we found it was made by an authorized user or someone you gave your online password to '' XX/XX/XXXX - I spoke to BofA fraud dept Supervisor XXXX XXXX and was told to fax the rejection letter to reopen claim. I did so. 
XX/XX/XXXX - Spoke to XXXX and Supervisor XXXX. Didn't see request to be re-opened by XXXX. She said she would re-open request. 
XX/XX/XXXX - Received rejection letter from BofA stating " They didn't receive approval from payee to reverse the {$5500.00} transferred into their account. We recommend contacting the person sent the funds '' We don't know who they are! 
XX/XX/XXXX - Was told claim was denied again, due to the me being affiliated with the outgoing account. Call XXXXXXXX XXXX Fraud dept and ask about the account. 
XX/XX/XXXX - Spoke to XXXX XXXX  fraud Dept. They confirmed NO accounts are in my name, SS #, etc. They had no info on the transactions. 
XX/XX/XXXX - Called BofA fraud Dept ( XXXX ) and told her about XXXX XXXX  response. I asked for documents to support BofA finding. No documents were ever received. 
XX/XX/XXXX - BofA fraud supervisor ( XXXX ) told me claim was still under investigation. 
XX/XX/XXXX - BofA XXXX  couldn't see on her side if a decision was made. She filed a complaint. I asked for a supervisor. She said one would call me back. Never received a call. 

XX/XX/XXXX - I submitted a Fraud claim with the EDD XX/XX/XXXX - BofA ( XXXX ) transferred to fraud dept. On hold for XXXX. 
XX/XX/XXXX - BofA XXXX ( wrong dept, transferred ), XXXX ( wrong dept, transferred ), XXXX XXXXSupervisor can't pull up info ( Transferred ), XXXX XXXX wrong dept, transferred me even though I asked for a manager ), XXXX ( prepaid claims ) passed me to Supervisor XXXX XXXX Re-submitted claim. Said we would be contacted in XXXX. 

XX/XX/XXXX - Was transferred multiple times, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( card/account was closed ) she reopened it. Passed to supervisor XXXX - Claim Denied again. She asked for letter to be faxed from XXXX XXXX stating I didn't have an account with them. We requested documents to support rejection. 

I'm being given the run around. I never authorized the transactions into any account. I never changed my deposit account. Some outside person/group must have hacked their system and changed my info. Then transferred the funds. 

Please let me know what addition info you need.
Consumer complaint received 2015-03-22
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Opened Capital One Bank account in XXXX, 17 years ago. The last payment made on this account was made on XXXX/XXXX/XXXX, nearly 15 years ago. They continue to report this debt on my credit report even though it is way more than 7 years old, in fact it is twice that old. They appear to be doing this by re-aging the debt. The collection letters now come from " XXXX XXXX XXXX XXXX XXXX '' out of XXXX, XXXX. XXXX calls me daily, 7 days a week numerous times a day from numerous different numbers f ( XXXX from XXXX, XXXX from XXXX, XXXX, XXXX from XXXX XXXX XXXX. ) They even called me from the XXXX area ( a XXXX area code ) at XXXX at night on XXXX XXXX, XXXX. Is n't that against the law? The account # is ****************
Consumer complaint received 2016-01-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have had a Home Equity Line of Credit with the Capital One Bank for 10 years. I have never missed a payment and was never late in 10 years. ( I have been with the bank for 31 years, have XXXX accounts and XXXX credit cards with them. ) The maturity date was coming up in XX/XX/XXXX and I was told to get into the bank to refinance the loan before the maturity date and give me an extension on the loan while I was in the refinance process with them. I did get in before the date and started the loan process. I requested the extension and the loan officer said we just needed to hurry up. I asked if there was an extension given several times. She said do n't worry about it, we 'll get it done. 
During the loan process I continued to make my payments on the loan as usual. To my shock the payments I made on the loan were accepted and then the bank returned the money to my checking account. What? The bank employees did n't seem that was so bad because we were in the process of a refi on that loan. 
I spoke with the extension department and was told I should have come in 4 days earlier or 2 weeks and I could have gotten an extension. 
To fast forward a bit, the bank says they will report non-payments to the Credit Bureau that I did not pay my loan and am 2 months late. Are you kidding? I have n't been late or missed in 10 years on that loan!!!! 
I called the corporate offices of this bank and was given no consideration for loyalty or good payment history. They were rude and told me I should have come in a month earlier. Yet, I did come in before the maturity date, that was the defining time. Now I find out that the time difference was only for their convenience, to collect some data that I know you can get in 1 or 2 days. And nothing has to do with me as a good customer. 
I have good credit and have no bad things on my credit. Now they are claiming they are going to report me as late on my loan and I have never missed a payment through the life of the loan. In addition I paid while in the refinance process. And have proof of this. This whole handling of this event is so unfair and absurd! Everyone I tell this to can not believe it. 
What can I do to not let this happen to my good credit that I 've worked so hard for? Please let me know how to handle this. 
PS i was misled and taken advantage of by the bank officer which is another story on its own.
Consumer complaint received 2016-12-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MO)

I ended my business with my wifi provider previous to moving to my new address. I was told that it would cost quite a bit to have their employee come to my apartment to pick it up but I had the option of mailing it in myself. I bubble wrapped it in perfect condition and sent it to the instructed address. It was returned with the explanation that no one ever showed up to the business to receive the package. I called the company that claimed they did n't have that branch 's number. They only do face to face business. What? So I had to call the post office and it was a big mess because I 'd paid to have it sent and no one would show up. I ended up getting it sent back to me. I complained to the XXXX and then a rep from XXXX contacted me through email, which I 've kept. She said she 'd send me a box with the address and I 'd just have to put the router or modem ... whatever that machine was, back in the box and put the sticker on it and send it in. I did. I have since received XXXX more bills for {$120.00} on a router I DO N'T HAVE. This last one is commanding me to " CONTACT US NOW. ''
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc. (TX)

Received call from this number XXXX times, on XXXX different days. 
I answered on the XXXX call, which was in the evening, it was an automated voice recording. The automated voice had me press XXXX to talk to representative. Another voicemail recording stated that the company was RG Financial? When the company (? ) called the XXXX time, during the day, I answered, the same automated voice recording was heard. This time after choosing the option to talk to a representative, I was put in contact with a person who simply answered the phone by saying " Hello ''. I asked who the person was and what was the purpose of the calls. I was told that this was a collection on a ( 1 ) payday loan from 2009, ( 2 ) that was deposited to an old bank account I had, and ( 3 ) was tied to an old address back in 2009. She mentioned that the company has everything they need to pursue legal actions, and asked how I wanted to handle the situation.I asked that she provide me with a written copy detailing this " debt ''. After I repeatedly refused her attempts to get me to change my mind and offer payment immediately, she said she would have something sent out to me in 30 days and hung up. If she has my old address on file, how will she have something mailed to me? Also, the company has my current mobile number, but not my current mailing address? I have no knowledge of this loan, and as a precaution, I have pulled my credit report and search for any delinquent accounts. I also check older credit report copies I 've saved that were acquired after 2009, and nothing shows delinquent from a payday loan account.
Consumer complaint received 2015-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc. (WA)

They called while I was at work ; they knew that. I asked them for the address, quietly and repeatedly to where I could send the money. She kept trying to force me to give her a " post dated check '' over the phone ; even after I explained that I could not do that because I was unsure when the money would get here. She then stalled to keep me on the phone to ask for information she clearly already had, phone number, email, etc. To be really honest, if I can close on this home within the next 30 days ; because of this persons actions ; I would rather take out bankruptcy rather than give them the {$110.00}. I know that seems stupid ; but she knew that what she was doing was wrong.
Consumer complaint received 2015-11-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I filled a complaint with the CFPB against Shellpoint Mortgage Servicing and their representative XXXX XXXX XXXX XXXX XXXX XXXX responded for Shellpoint with verifiable FALSE answers. XX/XX/XXXX to cover up Shellpoint 's violations of CFPB & State of California Loss Mitigation laws & Regulations. XXXX XXXX XXXX never sent his response to me because of his incriminating statement contained in his letter. Upon discovery I sent an immediate protest letter to Shellpoint for illegal & wrongful denial of my XX/XX/XXXX Loss Mitigation application. ( Letters, attached dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) XXXX XXXX XXXX & Shellpoint intentionally reversed my complete " Application Status of XX/XX/XXXX in retaliation for my CFPB complaint filed XX/XX/XXXX
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: American Profit Recovery, Inc., Marlborough, MA Branch (CO)

I was not aware of a debt that we owed to the bank account we had that was closed. Seems that a couple of companies tried to process payments through the closed account so it in turn accrued a balance. Well they forwarded it to a collection agency. Now I had XXXX accounts XXXX was with my husband the other with my son. They are calling my son trying to say that he owes {$1000.00} but they are combining the total from both accounts and he was only on XXXX and the balance on that was like {$400.00} or so. They keep calling and harassing and I am in the process of sending a letter to stop the calling so that i can figure out how to resolve this but they insist on calling and being rude and disrespectful and threatening
Consumer complaint received 2015-04-29
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CA)

I 've been working with American Medical Collections company to facilitate the resolution of some laboratory charges. In this I have asked on XXXX separate occassions to be called after XXXX pacific time during which I 've worked with them on several tactics to resolve this. They continue to call me during working hours despite this communication and have been push XXXX. 
The billing problem originally occured because the lab I was scene at did n't validate my address or my insurance info. I went to collections without ever receiving a bill or phone call. Once in collections, I requested the original biller 's address and my account number and sent a photocopy of my insurance card so they could bill the correct insurance. 
AMC left me alone for several months while we waited for this to resolve the issue. Apparently my letter was ignored because I received more calls recently ( again, during my working hours despite the notes I asked put on my account ). 
The last polite call I received said they would mail me a form so I could forward it to the insurance company myself. After XXXX I have not received the form and got more pushy calls.