davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX I have completed a project with Home Depot ( impact Windows ) and I have charged this project to the Home Depot Credit Card ( {$14000.00} ). At that time the promotion was 24 months 0 % APR. The Home Depot representative was at my house, we did the payment with his colleague over the phone and I was promised the 24 months promo 0 % APR. 
Unfortunately, the credit card company employee made a mistake and set the account for 12m. I didn't notice this when I set up my autopayment ( for minimal payment required ). 
In XX/XX/XXXX I have noticed that I am getting interest charges to my account ( currently {$4500.00} ) and I contacted Home Depot Credit Card services. They acknowledged the mistake, but they said that I had 60 days to contact them in order the get this fixed and I am past this period. They told me that there is nothing it can be done ( I spoke with three levels of customer service representatives- all the way up to XXXX - Account Specialist Level II ). I have pointed out that I am still within my original promised time frame ( the 24 months ) even though I was out of their 60 days arbitrary deadline ( which they mentioned it was changed in XX/XX/XXXX as it used to be longer ). I have also pointed out that this is a wrong business model for a public company- they are incented for their employees to make mistakes as this brings extra profits. Again, I pointed out that if there wasn't any mistake, their company wouldn't have had this extra profit and I don't want anything extra from them - just to reverse the interest charges. The answer was still hard NO. 
This business model looks like a fraud from consumer perspective. Once again, the company is incented for the employees to make mistakes which would increase the profits ( they just have to hope the customer doesn't notice ). On the other hand, if mistake is discovered by the customer, there is no repercussion for the company as they will just adjust the account. THIS IS WRONG!!!! 
The only thing the offered me before they shut the phone is to write a letter to a po box . That would help them gather some more interest charges for sure...
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I was reviewing my financial records from XXXX and noticed a {$99.00} annual fee on my Citibank card ending in XXXX. I had thought I closed this account in XXXX and have not used it since nor do I even have this card in my possesion I requested Citi to refund the fee and verify the account was closed. They refused to refund the fee stating the account was open. They then insisted they send me a text message to close the account. I was calling from my work phone and did not have access to my messages. The manager Tan refused to close the account and stated I would be responsible for my annual fee again if I did not call back and go through their protocols to close the account. I believe I went through a similiar process when previously trying to close this account. I was on the phone for over 20 minutes trying to close this account. Citi does this on purpose to keep dormant accounts open and charge exorbitant fees.
Consumer complaint received 2024-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VI)

I opened a Venmo account several years ago. I have never used it. I attempted to add an account 2 days ago and it would not let me. I then emailed me that I need to give them more I.D . information. I did not want to do that so I told them to close the account. They REFUSED to closed my account unless I sent a copy of my U.S. Passport and a separate picture of me holding that passport. I do not want them to have my passport data, included XXXX, XXXX XXXX, place of birth, XXXX 
They refused to close the account without this information
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HAWAIIAN, INC. (HI)

XX/XX/year> {$1000.00} This was a fraudulent scam involving a XXXX XXXX XXXX. 
XXXX refused to take liability for XXXX of their customers, which they verified as a real and true person. 
Company refuses to use their bond and insurance to recover the funds. 
Company refuses to supply their underwriting company and information.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVER BANK XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (TX)

I disputed the DEBT REC SOL,XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX with XXXX and debt rec sol, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to XXXX, XXXX AND XXXX and Debt Rec Sol.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AUTOMOBILE ACCEPTANCE CORPORATION (AL)

This is reporting on my credit report and it's not me. I have not ever attended a college. This false & fraudulent information on my credit report that do not belong to me. By law it's illegal for this to be attached to my name and social if it's not my account.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MI)

Received a call today from Chase in XXXX  that someone is applying for a Chase Freedom card in my name, they had the last XXXX numbers of my social security number and home address. 

I did not apply for anything in XXXX  or anywhere else I live in XXXX, The so called customer service rep gave me a claim XXXX XXXX and said he was transferring the call to the CFPB, I hung up and went online myself. 

My wife had the same type of call last week from XXXX, XXXX  and she also filed a claim.
Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NY)

Received notice my mortgage payment was changing from {$1400.00} to {$2600.00} due to a shortage in my escrow account for County Taxes.My mortgage payment does not include County Taxes as an escrowed item, as when I closed on my loan I had an escrow waiver for condo insurance and property taxes. The ONLY escrowed item allowed to them to service is FLOOD insurance and that is only because Federal Law allows them to demand it be escrowed. I demand written response that my payment starting XX/XX/year> will NOT include any changes due to County Taxes or Condo insurance since Mr. Cooper as Mortgage servicer does not have the right to now assume my tax or condo insurance payments beyond FLOOD insurance Since my flood insuance has not gone up, and since I will have {$950.00} in my escrow after my XXXX XXXX XXXX payments are made, there should be no increase in my monthly payment. My flood cost is still anticipated to be {$900.00} for next year.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account with this company is being reported late 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 MONTHS REPORTING LATE 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 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (KY)

American Express is still charging company credit card holders late fees and companies hold employees responsible for late fee payments, the payments are around {$39.00} and many of my team members have been impacted by this especially given the payment timing is difficult to manage through the company reports payable. Please help with the matter, as it is a corporate loophole they are still using given it probably wasnt covered under the recent consumer protection clause that holds fees around {$8.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MD)

I was a victim of identity theft I made a report my identity continues to be used in opening fraudulent accounts and making hard inquiries. These accounts are now affecting my credit report and Ive been trying to get them removed. I was advised by the credit bureau to fill this form out to have the accounts updated and removed from my credit filed due to identity theft. 

XXXX XXXX XXXX police report Report number XXXX The following was provided to me today by XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX {$2300.00} XXXX XXXX XXXXXXXX {$4800.00} XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX XXXX {$6000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2600.00} Cbna Citi card XXXX {$14000.00} XXXX XXXX  XXXX {$3900.00} $ XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5400.00}
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Loan mart account number XXXX ause this charge off account is a canceled debt, the IRS states that, federal or government agencies or applicable financial entities ( a creditor ) who discharge ( cancels or forgives ) debts owed of {$600.00} or greater require that the creditor and the debtor submit a 1099-C form. 

In other words, the IRS defines this as ordinary income. 

Therefore, it is inaccurate because this is no longer classified as a debt but is INCOME due to the fact a 1099-C form was filed
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX use too much aggressive force on my credit report by running it too many times in their system after The first denial. Day was not supposed to run my credit at all because I had no identification presents at the time. OK So there was no reason to run my credit if I did not have my Florida identification in hand or at all because it is expired at this time. Please remove every XXXX and query of my report from 2024. 
XXXX XXXX XXXX XXXX XX/XX/2024 REGIONAL AC XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 2024
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (TX)

Loans and or charges against my information which are not mine. Also discovered the address they are using to take out loans/charges is not mine either. I have disputed with all 3 creditors. I also have XXXX and XXXX XXXX ( disputed on these as well. ) XXXX XXXX XXXX of {$1200.00}. XXXX shows this was opened in XX/XX/XXXX. Not mine. I have disputed this numerous times. These account was opened under a false address that does not belong to me either. 

XXXXXXXX XXXX XXXXXXXX, Opened balance of {$270.00}. XXXX XXXX shows this account was opened XXXX XXXX. This account is not mine. I have disputed this numerous times. This account was opened under a false address that does not belong to me either. 

I have disputed the address that these accounts are assigned to. Never lived at the address that these are associated with.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Urgent : Incorrect Credit Reporting and Loan Modification Issues I am writing to formally address several issues regarding my loan account with PennyMac, which have led to significant negative impacts on my credit report. 

In XX/XX/year>, I entered into a forbearance plan with PennyMac due to financial hardship, which was approved on XX/XX/year>. At the time, my loan was current, and I was assured that while in forbearance, my account would be reported as current. The forbearance was for a XXXX period, followed by a three-month trial payment plan before a modification was to be finalized. 

I made payments for XXXX and XXXX to ensure that no late payments would be reported. I also submitted the notarized loan modification documents via your online portal to accept the modification, which was to convert the XXXX months ' worth of payments into a partial deed claim to be settled at the end of the loan term. 

To my shock, when I logged into my account to make the final trial payment in XXXX, I saw an outstanding balance of over {$11000.00}, which included all payments due since XXXX. This was unexpected as I was under the impression that I was current and in the process of completing the modification. I paid as much as I could immediately and subsequently received a notice claiming that the loan modification was declined by me, which is inaccurate. I had submitted the required documents to accept the modification. 

In an effort to resolve the issue, I withdrew funds from my XXXX ( k ) and paid the full balance due from XXXX to XXXX. Despite this, my credit report now shows severe negative marks, including 60 days late in XXXX, 120 days late in XXXX, and 90 days late in XXXX. This is in direct contradiction to the assurance given at the start of the forbearance that my credit status would remain current. 

I believe this situation is the result of misinformation and an unfair practice on the part of PennyMac. I would not have entered the forbearance if I had known my credit would be adversely affected. I respectfully request that my credit file be corrected to accurately reflect the current status of my account, with no late payments reported. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rosebud Economic Development Corporation (IN)

After searching more for Zoca Loans, they don't even exist anymore. A representative for Zoca Loans at XXXX has stated that Zoca Loans doesn't operate anymore. XXXX XXXX XXXX is trying to collect on something that doesn't exist as the representative also said that any Zoca Loans were XXXX balanced out. If XXXX XXXX XXXX can't produce the orginal documents for the " alleged '' loan with Zoca to validate, then they must stop collecting and remove the file from the credit reports.
Consumer complaint received 2024-08-29
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: Wolf River Development Company (GA)

Theres an inquiry on my credit report, that I didnt make or give consent to any to make. So Im asking all inquiries to be dropped from credit because it made a major decrease on my score of credit. Which I am not comfortable with.
Consumer complaint received 2023-06-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I have a case with consumer affairs and we got a agreement to settlement agreement and release I signed in front of a attorney and they send me the check but till now since XX/XX/2023 I havent received my title and XXXX XXXX there saying Im behind payments and that the check that they send me was canceled but I cash it in XX/XX/2023 thats impossible I try to talk to them and have a supervisor to call me till now after 5 months havent received any answers only that I own XXXX $ and my car is ready to towed
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My auto loan with Citizens Bank and was included with my XXXX XXXX XXXX, however I was still manually making my payments to Citizens Bank. I was being sent monthly statements and the verbiage stated : " This is not a Bill. This statement is for informational purposes only. It is solely intended to notify you of the current status of your account and is subject to all of your rights arising from your bankruptcy filing. This is not a demand for payment by you personally of any obligation discharged in bankruptcy '' When I paid the XX/XX/XXXX bill I was informed that I had {$100.00} in late fees and I can pay these at the end of the loan. {$100.00} was the total fees shown until I received the XX/XX/XXXX Loan Statement that now included 61 late fees, starting in XX/XX/XXXX totaling {$710.00}. I was never informed of all 61 late fees until the last statement. This is very deceiving. I have tried to talk to the Bankruptcy Dept and they told me I need to talk to consumer lending and then when I speak to Consumer Lending they tell me that they can't do anything and need to talk to bankruptcy. I have asked for some of the fees to be reversed and was told no because of the amount and how old they are. I told them I never knew about them until XX/XX/XXXX.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

NEVER HEARD OF THIS COMPANY. i ASKED THEM FOR AN ORIGINAL CONTRACT WITH A WET SIGNATURE, I ALSO ASKED THIS COMPANY FOR FULL RECORD OF ACCOUNTING AND I ASKED THIS COMPANY FOR INSURANCE CONNECTED TO THIS ASSUMED DEBT AND I ALSO ASKED THEM TO CEASE AND DESIST. 
1692c - Communication in connection with debt collection - Civil Liability for Willful Noncompliance, Civil Liability for Negligent Noncompliance Monetary fines for each violation, which can vary based on the severity and frequency of the violations.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I told XXXX. XXXX, AND eQUIFAX Credit Bureaus that aacount inmy report are in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Consumer Privacy Bill of Rights Act which were enacted by congress to protect and secure the use of my name, identity, privacy, and rights as a consumer.

I have never given any consent or authority to your agency to use any of my personal information for any means. This is NOT a request for verification nor is it a request for verification via XXXX. The reporting of inaccurate and unsubstantiated information without consent to any consumer report may constitute constructive fraud under federal law. 

1.Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX  Account Number : XXXX Please Delete Immediately