davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agncies are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove the files : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00}. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA (OH)

Someone used my Social Security Number and my name to open XXXX Credit Card on XX/XX/XXXX. I figured it out on XX/XX/XXXX and called them immediately to close the account and asked what I need to submit them for investigation. They said they can communicate thru physical mail only and asked me for police report and Identitytheft.gov report. So I got both reports and sent them to the address XXXX asked me to ( Goldman sachs bank usa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ). I even sent them the tax fraud report as well since the fraud used my SSN to get his tax return. But then they never responded me and when I called them I had to use fraud 's phone number to speak to representatives. In a meantime, I disputed XXXX Credit card on XXXX credit bureaus. But then XXXX declined it later and put it back to my credit report after a while. I tried disputing it again but they kept declining it. I firmly believe that XXXX is deliberately exploiting and mocking the victim.
Consumer complaint received 2024-10-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC (MO)

I believe XXXX XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX ( XXXX  ID XXXX ) is operating under criminal collection practices. I mailed a check to this company through my credit union 's bill pay system. The check was received on XX/XX/year> and I waited until around XX/XX/year> to call and start to inquire why it hadn't been cashed and applied to my loan. I talked to XXXX different representatives, that all told me my check had been returned as non-sufficient funds and not applied. I check with my credit union, and this was not the case. I was never charged a nsf by my credit union, and the check had never been attempted to be cashed. I told the representative that this was not true, and I would like to make a payment via phone, XXXX female representatives refused to allow me to make a payment, and stated I was being threatening when I asked for a supervisor to address the call. Further lies were told by the first representative, she stated there were not any supervisors or managers in that day to take calls which I stated to be a lie, and I was hung up on. I tried back and the next representative told me the same lies. This company also sent field call agents to my home address that were parked in my ditch and approached me without identification when I was taking my daughter to school. A second field call representative knocked on our door on a XXXX  interrupting our family time with no identification. We have a newborn baby in the home, and it has become very harassing and stressful to me and my family. I then began to file a XXXX XXXX XXXX complain and began to read other complaints. The other complaints were exactly the same lies I had been told. The representatives told them their checks were never received, or they were returned for nsf and they would argue and lie to them, the customer and not allow a payment over the phone. I believe a federal investigation should be initiated in this companies ' collection methods. It seems they are telling false information to customers and not cashing checks on time to collect more interest and fees for their own gain. I find this company to be a disgrace and would like to request a new mortgage lender to handle my loan. There are lies and harassment being done to customers that is on a criminal level.
Consumer complaint received 2024-10-07
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: BARCLAYS BANK DELAWARE (DC)

I have received a hard inquiry on my credit report from Barclay Bank Delaware. I have called their security department. I do not have an account with them nor have I applied for any credit cards or loans. This is not my account and should be removed immediately
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

My account has never been late and due to an error with XXXX XXXX, my FIFTH THIRD BANK account was made to be delinquent when in fact it never was. XXXX XXXX provided a letter owning their mistake and the credit report still shows the account as being lat. This inaccurate reporting has severely affected my credit profile and scores. I was unable to get my loan because of this terrible marking on my credit report.
Consumer complaint received 2024-08-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (FL)

My account with KIKOFF was never late! I have had exceptional payment history with KIKOFF 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 hardships to my reputation, my character, my mode of living and to my family! I demand the late payment reported on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX to be removed. KIKOFF is also 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. KIKOFF 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. Late payments reporting without proof in the form of a bank statement is hearsay and needs to be removed. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This proof when I paid on time. Anything other then documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this proof, there's no legal VALIDATION. Once again I did not pay late for the month of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) Delete this from my credit report and update paid on time never late removing the data from the payment history as well unless you can prove with a bank statement coming directly from Kickoff. The creditor KIKOFFfailure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement.
Consumer complaint received 2024-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: HUNTINGTON NATIONAL BANK, THE (MO)

My mobile banking domestic transfer Of {$38000.00} from my huntington checking to my pnc checking account is in limbo for nearly 2 weeks. Huntington tells me the amount was too large and is protecting me from possible fraudulent activity. Also because of this large amount transfer attempt, for these last 2 weeks I have been locked out of my mobile account. SO NOW!!, I have to drive 4 and half XXXX hours to the closest branch from where I live. That's XXXX near a 9 hour drive there and back
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (SC)

While looking at my credit report on XXXX XXXX Chase venture one rewards card preapproval popped up on my screen. 
When I clicked on the ad It said I was preapproved And all I needed to do was fill out the information to get a credit card from Chase. 
I filled out the information and congratulations you are approved. 
Then I received an email stating a credit card will be sent to me in 5 to 7 business days. 
As I was reading the email received a credit alert from my XXXX XXXX account and XXXX XXXX stating Chase Bank had done a hard inquiry. 
I was preapproved approve, It said no hard inquiry, Then I find out they did a hard inquiry in fact. 
Thats misleading, false advertising. 
They need to disclose that there will be a hard inquiry upfront, so people have the option to choose whether or not they want to damage their credit, In my case, Ive been trying to bill my credit score to the max for several years now, and I would not have accepted a credit card, knowing there would be a hard inquiry. 
I would like this hard inquiry to be removed as it was done on the false pretense and improper advertising From XXXX XXXX and from Chase, both are at fault in this case.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

My XXXX XXXX card used to be with XXXX  XXXX XXXX. Comenity Bank apparently bought my card and XXXX XXXX XXXX transferred my information to them. I never received a new credit card. I never received new statements until now. Comenity cancelled my AutoPay and caused my account to fall into delinquency. Comenity has charged me hundreds of interest and late fees. This is not right. I have paid my principal balance now that I managed to register for an online account.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (RI)

EdFinancial Services stopped crediting my account for payments it received since XXXX of this year. I've done everything they requested to prove that the payments have been sent, and accepted by EdFinancial, but they have not corrected my account. I've tried calling, emailing, chatting with their customer service reps, but apparently, they are unable to tell me when they will correct this issue. They are reporting my account as 60+ days delinquent to credit reporting agencies, despite continuing to accept payments that they don't credit to my account. When I first became aware of the problem, EdFinancial had accepted {$1200.00} without applying it to my balance. Ive continued to make payments, so the amount of lost funds is now greater. My bank has verified that the payments are being electronically sent to the correct account and address. I've provided this proof to EdFinancial.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (WI)

I am on a cruise. I used a XXXXXXXX XXXXXXXX XXXX XXXX XXXX to withdraw {$350.00} with my paypal debit card. The machine withdrew the money from my account but did not give me the funds. No receipt was dispensed and the screen said it was out of service once it took the money out of my account.
Consumer complaint received 2024-10-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Approve Holdings, Inc (NJ)

This " AUTO APPROVE '' I don't know how they got hold of my XXXX loan with all my and ny mrs info, but they gave me much lower monthly payments, and after getting both our info, and finally sending to us tge full contracts to sign with DOCU SIGN, WE NOTICE THEN IT WAS ALL A SCAM! they had forgot to mentioned that in order to LOWER OUR MONTHLY PAYMENTS WAS TO ADD ANOTHER 9 MONTHS TO OUR NEW CONTRACT!

WE FEEL WE WAS LIED TO AND TAKEN ADVANTAGE OF DUE TO OUR SENIOR YEARS, AND WANTS TO EXPOSE THIS COMPANY 'S BAD CONDUCTS!! 
Thanks XXXX we caught this in time.
Consumer complaint received 2024-09-23
Product: Credit card — Store credit 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: CITIBANK, N.A. (NJ)

I am submitting new information, including a letter received by Macys on XX/XX/year>XXXX  Citibank needs to notify the law firm XXXX XXXX XXXX that the Macys credit card balance was due to fraud, and I am not responsible for it
Consumer complaint received 2024-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

Identity Theft Affidavit Affiant Information : Name : XXXX XXXX XXXX of Birth : XXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX To : XXXX, XXXX XXXX XXXX Subject : Urgent Matter Regarding Fraudulent Accounts I, XXXX XXXX, hereby declare that I am a victim of identity theft. I am challenging the following items listed in my credit report as fraudulent. In accordance with the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these items from my credit report. 
The accounts and information listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Items to be Removed : Non-Mailing Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fraudulent Account : Creditor : AMSHER COLLECTION SERVICES/ T-mobile Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2700.00} Payment Status : Collection Creditor Address : AMSHER COLLECTION SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Creditor Phone Number : ( XXXX ) XXXX Legal Basis for Removal : 15 U.S.C. 1681 Section 602 A : Grants me the right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) : Prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting any adverse item of information that predates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits the furnishing of information to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Request for Verification and Compliance : If the above accounts can not be verified, they must be removed immediately in accordance with FCRA Sections 609 & 611. Should your company fail to comply, I will be compelled to take legal action, which may include a small claims suit.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in further action. 
XXXX XXXX
Consumer complaint received 2024-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Onity Group Inc. (CT)

Around XX/XX/XXXXare Saxon mortgage increased the interest rate up to about 12 %. We were not financially able to keep up with that because our payments were almost {$3000.00} a month. Because we could not pay the total mortgage each month. All the extra fees kept on adding and adding for a period of 2 years when Saxon started foreclosure proceedings against us Saxon finally granted us a loan modification and then sold the mortgage how about you went to Ocwen. Unfortunately all the extra fees transferred with it and were put on the back end of the mortgage which will result in us having to pay a balloon payment in XXXX. XXXX sold the mortgage to PHH mortgage which we currently have. We are paying about {$1400.00} a month but we do have about {$140000.00} deferred. I believe a lot of this {$140000.00} fees that were added on to us that should not have been since Saxon was declared a predatory lender. I don't know how to get the mortgage records from Saxon and unfortunately don't have the records here at home due to a flood in our basement and losing a lot of financial records during that time. Is there anything that cfpb can do for us to get us away from this balloon mortgage and extra amount that was tacked on to our mortgage.? I would like to retire soon!
Consumer complaint received 2024-10-06
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc. (KS)

I took out a loan for {$1900.00} on XX/XX/XXXX. My last draw was for {$300.00} in XXXX of XXXX. I confirmed today that my total draw amount over the entirety of the loan was {$2300.00}. But over the last 3 years I have paid now over {$8200.00} in consistent payments and still owe {$1200.00}. Never missed or been late on any payments. This is predatory lending. Predatory lending is any lending practice where the borrower is taken advantage of by the lender. Predatory lenders impose lending terms that are unfair or abusive. This predatory practice is often committed against victims who are elderly or low-income ( 15 U.S.C. Chapter 41, Consumer Credit Protection 15 U.S.C. 1691, Equal Credit Opportunity Act ). I have reached out to MoneyKey for payoff options and have been told, " We can not discount your pay off balance, '' despite me paying 246.777 % more than the draw amounts. Prior to obtaining counsel, I am making a last ditch effort to get this loan disolved as I have paid well over the amount a resonable prudent person would assume.
Consumer complaint received 2024-10-05
Product: Credit card — Store credit 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: CITIBANK, N.A. (GA)

XXXX XXXX XXXXXXXX. 

This is what occurred plus the additional information I provided back in XXXX of this year. I have been in the process of locating an attorney to pursue a lawsuit similar to the above due to the infringement of my rights as consumer, not to mention the attorney I did speak with told me that it was illegal to deny the claims of fraud and that the card based on evidence provided to the attorney was duplicated. The fraud was an inside job and the company refuses to do a thorough investigation ( did not know I could be in Texas and Georgia at the same time using the same card ).
Consumer complaint received 2021-12-27
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. (TX)

I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion