davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (VA)

I filed a dispute XXXX charge that I made from Home Depot for a defective item. Home Depot credit card never issued me a temporary credit. I lost the case and then Appealed. Home Depot then issued me a credit and I also received the email. Then several weeks the hike depot credit card charged me for the safe again! I called many times and they know they charged me even after Home Depot gave me a refund also they know they never issued me a temporary credit. This is complete fraud and illegal. The representative that I am on the phone with admits that this is not correct
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (GA)

XXXX XXXX Account : XXXX XXXX XXXXXXXX My car was totaled in XXXX. I was never late for a payment and was even paid out positive equity through a check. This account was paid and open, however 4 months later, an additional remark stating 'early termination/insurance loss ' was added to the account and its status changed to 'paid and closed '. This has caused my XXXX credit scores to drop by roughly XXXX points. It is showing on my XXXX that I have late payments, when as can be proven through a thorough credit check, I have never paid any account late. After researching and speaking with finance professionals, the way the remark is worded ( early termination/insurance loss ), has tricked the XXXX algorithm into thinking I have been a bad debtor. The account is paid and closed and has never been in collections ; I would like this account removed from all of my credit profiles because of its false and negative effect on my credit score, which is rendering me from financial freedom. Thank you.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ADP Inc. (WA)

ADP sent a check which for some reason they said was an excess disbursement which is not true as I do not have any other 401K 's. ( See check reference below ) And now the money is missing. I did not request a {$22000.00} disbursement. The gross amount was in excess of {$22000.00}. 

Reference Number Date Net Amount Reason Status XXXX XX/XX/2024 {$19000.00} EXCESS DEFERRAL STOPPED XX/XX/2024
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (LA)

Goldman Sachs Bank USA placed a late payment on my consumer report XX/XX/year> stating I made a 30 day late payment. Account number XXXX I have never made a late payment on this account. I notified Goldman Sachs Bank USA of this error and was told I had to pay my full balance in order to have the error corrected.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MO)

My account with the JPMCB CARD and i was never late! I have had exceptional payment history with this company 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported In XXXX XXXX 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 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX under transunion has stated I owe money to " XXXX '' for a total of XXXX, that is not the name of my health provider, and I have insurance that covers my entire doctor visits and prescriptions, and all the company info that has been posted in my credit report is n't correct at all
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MA)

Dear BRIDGECREST Auto Loan Dept ; I was shocked today when I reviewed my credit report and saw a late payment reported for XXXX and XX/XX/XXXX ; XXXX, XXXX and XX/XX/XXXX showing a 30/60-day delay. I am unsure how this occurred, as I believe I made my payments on time when I received my statements. My only thoughts are that my monthly statement might not have reached me, or the payment may not have been processed promptly. Additionally, it could be related to when I opened a new deposit account, as my bank flagged suspicious activities, leading them to close and reopen the account. Thank you for your attention to this matter. Sincerely, XXXX
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/XXXX, I received a cashiers check from my Grandmother that will help me pay my tuition for college and my apartments rent. On the XXXX, my account was locked and put under review. The bank did not send a notice or inform me of my account being under review until I called them. They also did not tell me why. I learned that this issue usually resolves in 7-10 days. So I waited but nothing ever came out of it. It has now been 18 days where I have not been able to log in to my account and access my funds. This is my only bank account and I have not been able to purchase anything for almost 3 weeks now. This has been really frustrating as they never told me and do not have an accurate time table of when it will be solved.
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

I'm unaware of this debt. I didn't have the opportunity to dispute this information. If in fact you belive you gave me proper notification then please send me the certified reciept with my name on it with my signitaure.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Locator # : XXXX, XXXX Re : Notice of Dispute and Cease and Desist To Whom It May Concern, I am writing to formally dispute the debts that your company claims I owe under the locator numbers XXXX and XXXX. Sending statements is not evidence of a debt. This position is supported by the case XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, which establishes that merely sending billing statements does not constitute proof of an actual debt. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you immediately cease and desist all collection activities pertaining to these alleged debts. This demand includes but is not limited to, any communication with me, and any negative reporting on my consumer reports. A consumer report is indeed a medium of communication, as defined by the FDCPA, and any further reporting would be considered a violation of this statute. 

Please be advised that if this matter is not resolved promptly and the alleged debts are not removed from my credit reports, I fully intend to litigate. Pursuing this legal action will be costly for Portfolio Recovery Associates. The costs will include attorney 's fees, court costs, and any damages awarded by the court. I estimate that these costs could amount to at least {$10000.00}. 

I expect written confirmation that you have received this letter and that you will comply with my demands within 30 days. Failure to do so will leave me no choice but to proceed with legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (NC)

I am writing to dispute inaccurate information on my credit report that appears to be the result of identity theft. The account listed under APPLE CARD - GS BANK USA with account number XXXX does not belong to me, and I did not authorize any transactions related to this account. According to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], which provides protections for consumers against inaccurate or incomplete information on credit reports, I am entitled to dispute any information that is not accurate. Additionally, under the Identity Theft and Assumption Deterrence Act [ 18 U.S. Code 1028 ], it is a criminal offense to use someone else 's personal information without authorization. I have enclosed supporting documents, including a police report, that confirm my identity was stolen. I request that you remove this erroneous information from my credit report and take the necessary steps to correct my credit file.
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc. (ND)

My mother died and ive taken charge of making her mortg pymts, but upon notifying bank of her death, bank proceeded in freezing account, which led to insurance company being unable to auto draft pymt, causing insurance policy to lapse. I received 1 notice from bank informing me of this lapse warning it would place its own policy if I failed to provide new policy info by XX/XX/year>. I obtained a new policy and updated lender with it on XX/XX/year>. Now, lender claims I owe an additional {$1200.00} toward escrow which it claims to have added in XX/XX/year>, contrary to the notice sent and in violation of current laws governing notice requirements before it can take such action. I attempted to resolve issue directly but have not receivef a response.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (OK)

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 2024-07-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (LA)

We initiated in conversation with Mr. Cooper mortgage company to receive a partial release form at the end of XX/XX/year>. We received their documents information needed section at the beginning of XX/XX/year>. Mr Cooper mortage company transferred us to their Subordination office, which do not have a direct representative or contact we can call. The only contact we received was XXXX. We submitted all of the information needed for this to the email provided XX/XX/year>. For two weeks straight, we continued to receive an automatic email stating we were missing documents, which was incorrect. We've followed up on consistent communication daily during this time period and never received any further direction at all. It was not until XXXX in which I made several online complaints until someone actually could pick up the phone and call me. During this time period, I lost the contract of the sale for which I would be selling the property for because of the lack of communication from their office. No response is being done by their office in a timely manner. We have an email thread of over XXXX emails dating for over a month now, still no further guidance by Mr Cooper mortgage company to further assist in this process. Myself, Title company, and real estate agent all have no clear direction on this because we simply can not receive an answer from Mr Cooper mortgage company on the status of this.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (PA)

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (PA)

LexisNexis reported to XXXX XXXX company that I was in an auto accident in XXXX of 2023. I had not had an auto accident at all in that calendar year. Please contact them and have that information removed. My husband and I have been unable to reach a representative at LexisNexis secondary to their answering machine only having options to request information. Their website is only able to be used if you have purchased one of their products. 

This information is false and leads to higher auto insurance rates for us.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have been a customer of Citizens Bank for over 20 years. 

On XX/XX/XXXX, I made a cash deposit to the Citizens Bank ATM located at XXXX XXXX XXXX in XXXX, MA at XXXXXXXX XXXX The machine malfunctioned and did not properly credit my account. It retained {$7.00} of my cash that was not properly credited to my account. 

When I reported this by telephone on XX/XX/XXXX to Citizens Bank customer service, I was informed that my claim ( XXXX ) would be investigated. Citizens Bank then wrote me a letter stating that {$7.00} was credited to my account, however the {$7.00} to which they referred was a deposit that I made the same day but earlier in the evening at a different ATM ( XXXX XXXX XXXX ; after my work day ended ). This {$7.00} amount was simply a coincidence. 

To date, despite my making several phone calls and a visit to the Citizens Branch at XXXX XXXX XXXX, Citizens Bank has refused to refused to provide accurate accounting for my ATM transactions at XXXX XXXX XXXX in XXXX, MA, on the night of XX/XX/XXXX. The machine shut down while I was using it and stopped accepting cash deposits ; clearly it malfunctioned. 

Each work day, I earn cash gratuities in my job as a Narrator at XXXX XXXX XXXX and it is not convenient to visit the Citizen Bank branch in person, since it is only open when I am performing for tourists in XXXX during the work day. 

Citizens Bank needs responsible accounting/audit trails for when their ATM 's malfunction and staff who are willing and able to work with long-term customers when mistakes happen.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA continues to report inaccurate information on an old tradeline. The data furnished across CRAs doesnt match and is inaccurate. The account also reports as late each month although it has long been charged off as bad debt.
Consumer complaint received 2024-07-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (TX)

I previously notified this company that there were fraudulent accounts in my name with them. They sent back response that : " We reviewed your fraud claims for these accounts and determined that we are unable to accept your claims. While you were not personally liable for the account ( XXXX ), you made payments on these accounts from your XXXX XXXX XXXX XXXX account. We enclosed the letters explaining our decision that were sent on XX/XX/year>. '' I have not made any payments to this company and the XXXX XXXX account that they are referring to is also a fraudulent account in my name. Just because someone made a payment does not make this account mine. My identity and my families identity was stolen not just for this account but to open several obviously so it does not make any sense to assume that.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (PA)

There was a billing error on APPLE CARD/GS BANK USA XXXX XXXX : {$4800.00} Date Opened : XX/XX/XXXX which caused an incorrect late payment report. I had already paid the bill on XX/XX/XXXX and from XXXX to XX/XX/XXXX, but the payment was not correctly applied due to a processing error. 
And the data should be 100 % accurate and consistent.
Consumer complaint received 2024-07-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NM)

Hunter Warfield on XXXX Florida says I owe a debt I know nothing about. I have no idea what it is for. 
Every XXXX  this entity reports a debt as a new collection. This started in early XXXX and every XXXX  they report it as a new collection not a over XXXX XXXX XXXX debt. They have cause my credit score to fall from XXXX to XXXX this time which they reported between XX/XX/XXXX and XXXX XXXX according to my credit tracking. 
4 months earlier the same thing over and over and over. 
This has caused serious hardship for my family as we struggle to get a loan to repair our property. Furthermore this action of Hunter Warfield constantly pushes the expiration of this collection for another 7 years instead of just over XXXX according to their first report.
Consumer complaint received 2024-07-27
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: PDQ Check Exchange LC (UT)

I borrowed {$1500.00} and have paid Money 4 You back more than {$3000.00} in 7 months. I was having difficulty making the $ 527 monthly payments and requested to make reduced payments until I could pay the remainder of my balance and was denied. I asked XXXX during a phone call to revoke my authorization for ACH withdrawals on XX/XX/year> after there were 3 payments withdrawn via ACH when I had only agreed to one monthly withdrawal. However, they tricked me by telling me to make my payment online and then used my saved debit card information for subsequent ACH withdraws. I changed my debit card number so they wouldnt make ACH withdrawals but they used my new debit card number and continued to make ACH withdraws without my knowledge or consent.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (TN)

On XX/XX/year>, I look down at my phone this On this Sunday at night and I see on my phone that they are requesting {$25.00} from me or they will close my checking account without giving a time frame of when they would do this. I called the bank they I saw and they told me to disregard it. I don't believe this is a legitimate reason to close an account and if you're going to close an account you need reason and more clarity with request not on Sunday a few days for payday.
Consumer complaint received 2024-07-29
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: DISCOVER BANK (IL)

There are two transactions on my Discover credit card that I have issues with, but the Discover self service website tool for disputes does not seem to work, and the customer service associates are not taking the issues seriously and opening up disputes or looking into evidence provided to them. First transaction is on XX/XX/year> from Article for the amount of {$2800.00}. Issue with this one is that the merchant delivered damaged product that was just left on the sidewalk here on XXXX streets ( lucky it was big and heavy so the whole thing didn't get stolen. I'll attach images of the damage to this complaint. Next one is on XX/XX/year> from XXXX for the amount of {$2600.00}. This one I have returned to the merchant, receiving confirmation of receipt and that I should receive a refund, but yet I have not received credit to my Discover account. I've already uploaded evidence of this to Discover but do so again as a part of this complaint.