davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CA)

I am writing to formally request validation of the debt that you have contacted me about, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section XXXX09 ( b ), 15 U.S.C. 1692g.

Please provide me with the following information to validate this debt : 1. The original creditors name and address. 
XXXX. The amount of the debt, including an itemized breakdown of any fees or interest. 
XXXX. Proof that I owe the debt, such as a copy of the original contract or agreement signed by me. 
XXXX. A complete payment history, starting with the original creditor, to verify the amount owed and any interest or fees applied. 
XXXX. Proof that you are licensed to collect debts in my state, including your licensing number. 

Please be aware that under the FDCPA, I have the right to dispute the debt within 30 days of receiving your initial communication. Until you provide proper validation, I request that you cease all collection efforts, including reporting this debt to any credit reporting agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

Comenity Bank took over my account from XXXX XXXX. After I paid off the balance they continued to charge me extremely high late fees even though my original balance was paid. When I contacted the company they told me since I mailed in the bill rather than paying on line that it took three weeks for my payment to be received. This in turn made my payments late, this has now happened on several occasions since paying off the balance in XXXX. The mail is only going from NY to Texas this does not take three weeks. So coincidently my last payment was 1 day late Due on XXXX received on XXXX. This happened more than once, So even though my was paid off twice they continued to charge me a late fee of over {$40.00} each time. Strange to me that they credited my account the day after the due date even though it was mailed way in advance. This month 's bill for instance I received on XX/XX/XXXX. So even if I sent it out that day there is a good chance they would mark it as late.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (TX)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc ()

On XX/XX/XXXX I completed a referral by having a friend deposit money into a new chime account she opened via link from my account. The promotional offer states Don't miss on {$500.00} for you, {$100.00} for a friend Until XX/XX/XXXX, get {$500.00} when they enroll and receive a qualifying direct deposit of $ XXXX within 45 days! She completed the steps and received {$100.00} I received only {$100.00} instead of the {$500.00}. I have been through 4 support chats usually ending in them calling me or telling me to call a phone number. After calling said number I get spoken over and transferred over and over and placed on long holds. Eventually ending in please wait 7 days for the bonus to enter your account or I have set up a email with our investigation team regarding the missing {$400.00} bonus please wait for them to email you that email never comes.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (CA)

I Received a Notice on My credit report Regarding Credit Acceptance Corporation Ive put in multiple request to have this removed from my report theres multiple inaccuracies that have been denied no information has been provided The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am asking that you please review this account thoroughly
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (KY)

I have disputed multiple charges on my current account twice both times I lost M I just appealed it yet again and they keep telling me something different every single time. I have filed a police report & I have filed identity theft. And they just keep telling me to wait for email. Which took 90 days both times and on the XXXX day they just tell me I lost. I am so frustrated. This Current Bank account is a scam. Ive read lists of reviews where people are having the same exact issue I am. Someone used my card to book themselves multiple air bnbs totaling almost XXXX $! And they will not give me my money back! I have filed a police report and identity theft. I dont know what else to do. Please help!
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I recently noticed that XXXX XXXX XXXX XXXX had used my Copy Written material without authorization. I sent them a cease and desist again to see if they will take care of this matter without involving legal action. I have attached a copy of the letter and the Common Law Copy Write along with proof of mailing.
Consumer complaint received 2024-09-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MA)

I requested a validation of debt via certified mail on XX/XX/24. All they sent me was the same paperwork ( bill/statement ) that they initially sent the first time. Nothing in regards to proving that the debt actually belongs to me ( correct person, personal information tying me to the debt ) or any specific documentation that was requested from the letter of validation that was sent to validate the debt. I sent another notice on XX/XX/24 stating they have yet to present validating evidence that the debt is accurate and indeed is owed.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (VA)

Citi retaliated against applicant in XXXX by forcing a 'username change ' Citi sent abusive digital notifcations that had no merit from XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Shellpoint Partners, LLC (OR)

Mortgage Company : NewRez Loan XXXX : XXXX I am writing to file a complaint regarding inaccurate reporting of late mortgage payments by NewRez. Due to some family-related issues, I have occasionally paid my mortgage slightly late, but I have always ensured that the payments were made before the XXXX mark to avoid negative impacts on my credit. 

Here are the key details of the issue : I reside on the XXXX XXXX, while NewRezs processing center is located on the XXXX XXXX. 
On XX/XX/year>, I logged into the NewRez online portal and made my XXXX mortgage payment. However, due to the time zone difference, the payment did not reflect in their system until XX/XX/year>. 
As a result, a XXXX late payment was reported on my XXXX and XXXX credit reports, even though the payment was made on time according to my local time zone. 
To complicate matters further, I recently discovered that my XXXX report is showing a XXXX late payment for XX/XX/year>, not XXXX, while XXXX and XXXX are only reporting the late payment for XXXX. 
I submitted disputes to all three credit bureaus, but they returned as verified, with no changes made. I have also tried contacting NewRez directly, but their loan servicing department does not take phone calls, leaving me with no means to speak with someone about this matter. 

I am asking for a review of this situation, particularly considering the time zone discrepancy that caused the payment to be recorded as late. I have made every effort to ensure my payments were within the XXXX window, and I believe the late marks on my credit reports are unjust. 

This issue is now preventing me from refinancing my mortgage, and I hope that NewRez can work with me to resolve this matter by removing the XXXX late payment from my credit reports. 

Thank you for your assistance.
Consumer complaint received 2023-10-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

Collection : RENT RECOVERY SOLUTIONS , LLC , Is completely fraudulent. The date of first delinquency is crazy! I researched that contacted the company XXXX XXXX XXXX XXXX XXXX and found that the company does not even have a record of me at that address. This company is either purchasing fraudulent debt or fabricating debt to target peoples credit files to extort them of money. This company tried this a few years ago and it was deleted. Now from all of a sudden you XXXX are the only credit company that is again adding this XXXXXXXX  to my credit report. 

I purchased a house in XXXX XXXX ( XXXX XXXX ) in the middle of that year. I never stayed in an apartment and arrived in XXXX area in XXXX to search for a house, not XXXX! We stayed in a hotel! 

Please see the attached home purchase contract. This is very wrong and abusive what XXXX has done here. This is not accurate, fair, nor correct. You all have damaged my life and health in a very real way and you are putting me and my baby at risk of being homeless and you have prevented me from getting the funds I need to treat my life threatening illness! 

FCRA and FDCPA says that a credit collection company can not collect in a state that it does not operate in. Rent Recovery is not in Texas! Its a violation and this must be deleted! 

Rent Recovery must stop purchasing fraudulent debt and bullying people they have the most complaints against them in the industry because they are horrible predators. 

I ask you XXXX to provide details steps and explanation about how you verified this account? You have been asked before and could not, because you are not doing investigation you just allow this monster of a company to prey on consumers. 

If this account is not deleted both XXXX and Rent Recovery will be sued for violations and I will seek damages. 

See my birth certificate and my signature sample. You all will be held accountable for the suffering me and my child have endured! Comply with the law and remove this inaccurate fraudulent account immediately.
Consumer complaint received 2024-09-19
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: TD BANK US HOLDING COMPANY (CA)

As clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that TD Bank was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told TD Bank and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at TD Bank fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why TD bank was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies.

a ) Duty of Furnishers of Information to Provide Accurate Information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (VA)

In XXXX I made a payment online with a ach from my bank account. The thunderstorms caused a power surge. When I logged back in It had processed my payment twice. I contacted lender, they refused to assist me with canceling 1 duplicate payment. I informed them I would have to place a stop payment on duplicate 2nd XXXX payment. I called prior to have their agreement. The clerk agreed and noted my account. 
Then In XXXX I attempted to make my payment online through the app. It processed the payment, then 2 days later reversed it. I called the lender. They said I had a returned check in XXXX which was incorrect and would mot permit me to make a payment through ACH bank account. I had to either XXXX XXXX or overnight the money or by debit card. 
I explained I had their permission to put the stop payment on the second payment, it was a recorded conversation, not a returned check. I made the payment by Debit card against my wishes. I again requested they fix the block in the app so I could process my payment through my bank account.. They refused stating it was the computers decision. I requested a manager contact me to resolve. No one available or ever returned my call. 

Then in XXXX 2024 the app will not permit me to make a payment by check or debit card. Thus resulting in my inability to make a timely payment. It says account not eligible for bank payments or account not found I have never made a return check. This is strangulation in sn effort to cause me inconvience to either set up auto and or XXXX XXXX. Which neither will occur with this company. It is against the law for them to refuse my payments without lawful cause, notice, written agreement.This violates my consumer and contractual rights under federal law
Consumer complaint received 2024-09-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NJ)

The apartment complex filed a judgment for {$710.00} debt collectors collected {$1700.00} They didnt report that the debt was paid to the county XXXX  XXXX XXXX XXXX 

Currently debt is still on public records as unpaid. The apartment complex states the debt was handed off to the collectors and no longer there problem. 

I am unable to submit receipts myself. Have to come from debt collectors or apartment.
Consumer complaint received 2024-09-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (NY)

In XX/XX/XXXX, I obtained a home improvement loan from XXXX for {$35000.00}, which came with an 18-month promotional 0 % interest period ending on XX/XX/XXXX. Throughout the promotional period, I received monthly billing statements from XXXX, which consistently indicated that no payment was due until XX/XX/XXXX. This led me to believe that as long as I paid off the loan by XX/XX/XXXX, I would avoid any interest charges. 

On XX/XX/XXXX, I made a full payment of {$35000.00} based on the billing statements that indicated this was the first payment due date. Despite this, XXXX subsequently charged me {$6700.00} in back interest, claiming that the balance needed to be paid in full by XX/XX/XXXX, to avoid interest. However, this critical detail was not clearly communicated in the billing statements, nor was there any reminder or warning of the XX/XX/XXXX deadline. 

I contacted XXXX to dispute the back interest, explaining that their statements had been misleading and that I acted in good faith based on the information provided in the statements. Despite my dispute, XXXX refused to waive the interest charges and insisted that the charges were valid based on the original loan terms. Fearing damage to my credit score, I was forced to pay the {$6700.00} in back interest on XX/XX/XXXX, even though I strongly believe these charges were applied unfairly and due to misleading billing communications. 

I am seeking assistance from the CFPB to investigate XXXX  deceptive billing practices and to have the {$6700.00} returned to me, as I complied with the payment schedule provided to me by XXXX  billing statements.
Consumer complaint received 2024-09-14
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I messaged Express Credit Card XXXX today, XX/XX/year>, about an overpayment. I was attempting to request for Express Credit Card XXXX to refund the partial payment back my credit card but no response as of yet. I send too much money, to pay off my Express card balance. I wanted to send Express Credit Card {$50.00}, instead of {$86.00}. Thank you for your concern.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (CA)

AAA offered me a credit card with no fee and no foreign transaction fees. I submitted the form online. On XX/XX/ I received a letter from Comenity Capital Bank indicating it could not process the application without verifying certain information. I called XXXX as instructed in the letter and spoke with someone named XXXX. I confirmed whatever the information they needed to verify - XXXX was unable to provide me with the exact information that needed to be verified but told me I had provided it. XXXX advised the card had been approved and would be sent to me in due course. As of today 's date, XX/XX/2024 I had not received the card and again called XXXX and spoke with someone named XXXXXXXX XXXX XXXX  ) becuse I was concerned to card had been lost or stolen from the mail. XXXX told me the application had not been submitted for approval because information needed to be verified. I informed her of my XX/XX/ conversation with XXXX and she told me there was no such record of that conversation in her system. XXXX asked me if i wanted to verify the information and I decided to request the application be withdrawn even though I was concerned of a negative mark against my credit as a credit check had been processed but no card was issued. I have a photo from my cell showing the telephone record of my XX/XX/ outgoing call lasting approximately 9 ( nine ) minutes.