davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (VA)

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists all are listed XXXX CREDIT CONTROLS SERVICE account # XXXX CXXXX XXXX XXXX account # XXXX XXXX XXXX below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 CREDIT COLLECTION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MI)

I noticed a charge for {$8.00} on my card for a website called " XXXX  ''. I contacted the company within XXXX minutes of the charge being processed as I had not authorized any charge. XXXX said I have an account and a subscription. There was no account confirmation or subscription confirmation or receipt. This was a fraudulent charge and they refused to refund. 

I contacted Apple Card to report the fraudulent activity. My card number was cancelled and changed, and all of my passwords were changed to prevent further unauthorized use. 

I received a notice that Apple Card " received my request to withdraw my dispute '' when I did not withdraw my dispute. I had no contact with Goldman Sachs or Apple since filing the dispute and changing my card number. 

The agent said that " the resolution that the specialist gave you through your email was not correct '' in response to my comment that I did not withdraw my dispute. 

Apple Card is consistently difficult to deal with and denies disputes without any basis. There always seem to be " errors '' in dispute information that lead to the disputes being decided in the favor of fraudulent vendors. 
I did not authorize the charge and did not make the purchase. There was fraudulent activity and Apple/ Goldman Sachs refuses to back me. This is a repeated issue with Apple Card.
Consumer complaint received 2024-08-13
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Continental Credit, LLC (UT)

XX/XX/scrub> 2024 : I sent an email to XXXX XXXX, the last known individual at Continental Credit who had previously handled my account. In this communication, I requested a detailed outline of the accounts being managed by Continental Credit, including their progress. My concern was that the same three accounts were consistently showing up online, with no apparent changes. These accounts were inaccurately reported, had no dollar value, and could have been resolved by directly contacting the businesses involved. 

XX/XX/year>2024 : After receiving no response from XXXX XXXX, I submitted a request through the companys website, reiterating my previous request and informing them that I had not received any response to my initial email. I explicitly asked for the information to be provided via email. However, I received a generic response from the company directing me to view my account information online, which did not address my request. 

XX/XX/year>2024 : In response to the generic email, I expressed my frustration in a follow-up email, stating that the information I requested had not been provided. 

XX/XX/scrub> 2024 : I sent another email to the company, emphasizing that I had made multiple attempts to obtain the requested information in writing. I also informed the company that I no longer wished to continue doing business with them. 

XX/XX/year>2024 : After still not receiving the requested information, I sent another email explicitly requesting the cancellation of my account. 

XX/XX/year>2024 : In response to an email from the company acknowledging my desire to cancel the account, they informed me that they would not close the account. They also acknowledged that they continued to call during business hours, despite being aware that I was unable to take personal calls during that time. 

XX/XX/scrub> 2024 : I sent another email reiterating that I could not take personal calls during business hours and repeated my request to receive all the previously requested information via email. 

XX/XX/year>2024 : I sent a final email indicating that I had still not received any of the requested information and reminding them that I had requested the cancellation of my account multiple times.

Throughout my communications with Continental Credit, they have failed to provide the requested information, continued to call during inconvenient times ( as acknowledged in their responses ), and have not respected my repeated requests to cancel my account.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (IL)

I received my Indigo Mastercard by XXXX XXXX on Sat XX/XX/year>. I activated the card that day and immediately ran into problems when trying to use the card. I was unable to add my card to my XXXX XXXX despite having that feature clearly touted on the pre-approval materials I received in the mail which prompted my placating for the card in the first place. I contacted customer service using the number printed on the back of my card ( XXXX ), and was confused as to why I was connected to XXXX XXXX XXXX when the card was issued by XXXX XXXX. 

The agent informed me that I needed to set up a PIN for the card since it was brand new. She also informed me that the card can be used for a cash advance with a {$100.00} withdrawal limit per day. 

I set my PIN as instructed and then attempted to utilize the cash advance of {$100.00}. The attempt was declined. I then attempted an {$80.00} cash advance withdrawal which was also declined. I called customer service again and was told that the declined transactions were flagged by the system as high risk and that I would not be able to attempt another cash advance for XXXX hrs On XXXX  XX/XX/year>, I attempted to use the card at the following merchants : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. The card was declined at every single one of those merchants. I contacted customer service again, and was told that even though I could verify that I was the one making the purchases, the system flagged them all as being high risk and there was nothing anyone could do to fix it. I was then informed that because of the high risk flag, I would never be able to use the card for any future transactions at any of those retailers. 

I asked the customer service representative if I could close the account since the card can not be used at any of the nations largest retailers and was told that i can not close the account yet because its too new and to call back in 6 months to see if its possible to close the account at that time. 

This is all in violation of the Customer Agreement and the Terms of use.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I was given a sapena for a court date for bad debt. I have been getting a bit of a run around. I found out that this bill was allegedly from XXXX XXXX. After getting a run around from XXXX XXXX, eventually they said they didn't charge me anything and that I should submit it as fraud. I submitted it to the identity theft, police and Forwarded the information to the attorneys office. I still feel like I am getting a run around. I found out Friday that my court date was postponed ( which was scheduled for today, Monday ). I am still not sure what is going on with this. I did contact them to try and settle it, to avoid stress, but they refused to reduce it to an affordable price.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (FL)

My son initially entered into a 36-month lease agreement with Honda Financial Services , and I cosigned the lease. The lease was subsequently extended to a total of 42 months. Throughout the entirety of the lease, payments were made faithfully, either early or on-time, via autopay. As my son was exploring options to buy out the vehicle, he requested two 3-month extensions to the lease. 

On the final payment, the autopay service was turned off without any prior warning. We were informed that the auto-payment series was canceled via an outbound automated phone call once the payment was 26 days late. Upon learning this, we immediately contacted customer service and scheduled a payment, reading my bank account number to the representative. Despite this, the payment never cleared my bank account. I believe the representative may have transposed digits of my bank account or otherwise incorrectly entered the account number. 

The final payoff check was delivered to Honda Financial Services the following day. However, Honda Financial Services did not post the payment for an additional 15 days, resulting in two 30-day late payments being reported on my credit report. The mishandling of the final payment by Honda Financial Services has unjustly impacted my credit report, reflecting these late payments and adversely affecting not only my credit score and overall financial standing, but also my sons.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

I initially entered into a 36-month lease agreement with Honda Financial Services XXXX which was subsequently extended to a total of 42 months. Throughout the entirety of the lease, payments were made faithfully, either early or on-time, via autopay. As I was exploring options to buy out the vehicle, I requested two 3-month extensions to the lease. 

On the final payment, the autopay service was turned off without any prior warning. I was informed that the autopayment series was canceled via an outbound automated phone call once the payment was 26 days late. Upon learning this, I immediately contacted customer service and scheduled a payment, reading my account number to the representative. Despite this, the payment never cleared my bank account. It is my belief that the representative transposed digits of my bank account or otherwise incorrectly entered the account number. 

The final payoff check was delivered to Honda Financial Services the following day. However, Honda Financial Services did not post the payment for an additional 15 days, resulting in two 30-day late payments being reported on my credit report. The mishandling of the final payment by Honda Financial Services has unjustly impacted my credit report, reflecting these late payments and adversely affecting not only my credit score and overall financial standing, but my Father/cosigner 's as well.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMO Bank, N.A. (IL)

BMO has persistently recorded this fraudulent activity on my credit report. This has been an ongoing issue for over 2 years now. Before this unauthorized use of my card information by the transportation company, I encountered no problems. It is evident that this is a case of fraud, and legal action has been taken against the transportation company and all parties involved. Upon reviewing the payment history of this account, BMO will see that the issue arose when the transportation company gained access to my card details. I have submitted all necessary documentation over the years to demonstrate that I should not be held responsible for this fraudulent activity.
Consumer complaint received 2023-10-03
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: WELLS FARGO & COMPANY (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-08-12
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: GOLDMAN SACHS BANK USA (FL)

Consumer Name : XXXX XXXX, Consumer Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX under the Acct # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX Acct # XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I requested discharge for school misconduct for my private school loans. All federal loans were discharged based on lawsuits that confirmed there was misconduct. The lender has issued multiple discharges on the same type of loa, from the same school for multiple other individuals, but they denied mine. There was no clear response as to why mine were discharged, they just say 8 was declined. I request a reason and a n opportunity to fix.
Consumer complaint received 2024-08-12
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: CCS Financial Services, Inc. (MD)

I'm setting up to grant my XXXX  concerning the tested accounts on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have constantly referred to that they be completely investigated. Dismissing my endeavors, I at this point can't get any goal or supportive activity. These stirred up records are genuinely harming my credit report and hindering my capacity to go on with a typical life. The hostile results of these mistakes have caused gigantic difficulties for me, and I'm left with no decision beside to fight for your help with changing what's happening quickly. I generously demand that you lead a wary evaluation concerning the determining of these tested records. It is major that the crucial advances are taken to restore and address my credit report immediately. With your assistance, I need to reestablish the accuracy and uprightness of my credit file so I could recover command over my monetary flourishing. I truly demand that you offer this matter your generally ludicrous idea and make a quick move. Your joint exertion and moving in settling this issue conveniently would be massively huge. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (MI)

On XX/XX/XXXX I was notified that there was a hard inquiry on my credit report from CB Indigo ( Bank XXXX ) and again from the same company on XX/XX/XXXX. I called them today, XX/XX/XXXX to inquire on this. They took my information and said they have no credit card applications on file for me. I asked them how they suggested I get these hard inquiries removed from my credit report since they did not pull them and they suggested disputing them.
Consumer complaint received 2024-08-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada (GA)

To : XXXX collections of Nevada XX/XX/2024 Dear Collector, Im shocked at the " proof '' that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 
( XXXX ). Contract with my name on it. 
( XXXX ). Full accounting of this account. 
( XXXX ). Proof that you have the right to collect money from me. 
( XXXX ). Proof that you have the right to collect in my state. 

And more. 
Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Including the alleged proof that resident paid monthly charges towards a move-out cleaning fee. As well as the aforementioned reduction in " fees owed '' when a new resident took over. According to my records that was 30 days after move out. 

( XXXX ). You reported a debt to the credit bureaus causing my score to go down without validating. 

Violation. 

( XXXX ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above. 

Violation. 

Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. Delete it at once.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had a positive balance on Friday and they used transactions from Thursday starting from highest to lowest to charge me 5 late fees. They had delayed transactions that resulted in me over drafting 5 XXXX dollar fees. I was then XXXX and I deposited XXXX dollars on Monday and they did not rebate fees.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

First received a check for {$5.00} from Bank of America a couple of weeks ago, that I thought was odd and possibly a scam so I just held onto it, then about a week later I received a statement from a Bank of America account I never opened. It had a {$5.00} balance, then I got another letter statement about a week later and it said it was a different account number with a XXXX balance? Dates of the accounts were XXXX XXXX XX/XX/XXXX, then the other one was XXXX XXXX XX/XX/XXXX, I called to complain, they said my accounts would be closed but the fraud forms they sent me were very time extensive to fill out and mail to them. They asked for physical scanned copies of my license and Social Security card, which seemed absolutely bananas to ask for that over the mail as it could be intercepted and ruin my life, especially as I was just the victim of identity fraud and someone just used my SSN to open not one but two different Bank of America accounts without being in person with any identification. 
They also asked for me to get a copy of a social security statement, proof of residency, all original account documents, police reports, a crazy amount of stuff considering they let some scammer just open 2 accounts with none of this. 

When I called about it, the woman on the phone sounded like she was mocking me like oh the REAL person would have those documents, how do we know Im even talking to the real person? 
I have the documents, I dont think its safe to mail them and its actually illegal in 17 states to send SSNs by mail so idk what they are doing. Im planning to go down with my documents in person but again I just got defrauded, I dont want them to make copies of my social security card. 
When this account was opened, it didnt show up in my life lock or in my XXXX XXXX  so I dont feel like B of A is reporting things appropriately. And they are letting people open up checking accounts online without ID, but making it incredibly hard to close fraudulent ones and prevent it from happening again