davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
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: CNG FINANCIAL CORPORATION (MI)

Details of my complaint : XXXX attempted to obtain a pay day loan @ Check n ' Go. 

I was told that I was denied due problems with upgrades to the new system & to wait about XXXX days before I could re-loan. ( I had just paid off a previous loan a few days prior to going in, & had to wait to reloan until the XXXX of XXXX ). On this day I reached out to Check n ' go at a different location spoke to XXXX XXXX & asked if they were indeed having problems. She said yes & that there were others experiencing problems as well & she would add me to the list to call me back when things were fixed. 

On XXXX rec 'd a call from that Rep. I went in to obtain a pay day loan. She stated that a lot of my information was off due to system upgrades apparently. At no time was I told that a " hard inquiry '' would be conducted nor was I told that my credit report would be pulled. ( If I would have known I would not have approved, I am currently working towards improving my score w/ several agencies to purchase a home ). I rec 'd my payday loan in the amount of $ $ $ like I normally have for the past several months. 

After leaving I started getting alerts regarding Check n ' Go hitting my credit report w/an hard inquiry. I reached out to the rep that I had just rec 'd my loan from & she said that she would reach out to the feedback line. She had know idea why they would pull a hard inquiry & asked if my credit score took a hit. On the same day XXXX I Called Check n ' Go @ the feedback line spoke to rep, he stated that I applied for an " Exact Loan '' I told him that's not true, he then took my complaint. Again, I notified my customer rep where I had just obtained the loan & she stated no you didn't apply for an Exact Loan only payday. 

Reached out again on XX/XX/XXXX spoke w/ another employee @ the office where I obtained the loan, she stated she would notify her district mgr. & let me know. In addition to speaking to the noted employees I took it upon myself to file a complaint as well w/the Check n ' Go feedback line On XX/XX/XXXX, & XX/XX/XXXX and I have contacted them since on XX/XX/XXXX, XXXX, and XXXX of XXXX to no avail. One rep even said I would receive an email that day, another told me my case was pending & the other 's told me that they could not see anything and would send my case # to corporate. 

In addition to all of this the company sent a XXXX card to an address that I lived @ over XXXX years ago a week ago. I never requested a XXXX card.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Chase Banking is stating that they denied my fraud claim because in our conversation I allegedly stated I still had the card with me. They are refusing to re review the notes and phone calls because I was calling to report my debit card stolen as my wallet was stolen. In fact I stated I did not have the physical card in my possession since my card with wallet and ID was stolen from me. I requested them to review the phone call because I did not have the physical card with me. How could I if it was stolen as long as with my other belongings? They refuse to re review my claim. This is a lot of money and would really appreciate some assistance with this matter.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Citi blocked access to my checking account on XX/XX/year>. I called to figure out and was transferred to about XXXX different personnel with the same information, asking for same verification questions which I provided each time. Told me I would get a call back by XX/XX/year> - call never came. I called again multiple times, speaking to multiple people with the same questions and answers again. Final response from Citi was that " we will send a physical letter to your address with a reference code that you can call and verify '' - it has been XXXX weeks and I still have not gotten this mail. Since then I've spoke to XXXX different service representatives through constant transfers who say the same thing over and over. I've missed all of my personal payments since because I can not access my own funds in the account.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Selene Holdings LLC (NY)

I am filing a formal complaint against Selene Financial LP for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : Selene Financial LP shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt-out. This is against both Federal law ( XXXX XXXX  ) and New XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Lack of Consent : I told Selene Financial LP that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. 

Missing Documentation : I have asked Selene Financial LP twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( XXXX ). 

Identity Theft : By sharing my personal financial information without my consent, Selene Financial LP is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. 

Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates XXXX and other laws. 

I believe the contract is void and unenforceable, and I am seeking damages for these violations.
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (TN)

To Whom It May Concern, This letter constitutes a demand for immediate action regarding the unlawful conduct of Credit Control LLC, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX. Failure to comply with these demands will result in significant repercussions. 

1. Violation of 15 U.S. Code 1692c ( c ) : On XX/XX/XXXX, Credit Control LLC violated 15 U.S. Code 1692c ( c ) by failing to cease communication as required. According to the privacy notice accompanying their correspondence, they operate under the XXXX Companies umbrella. XXXX XXXX XXXX XXXX and XXXX XXXX, in a signed and dated document from XX/XX/XXXX, committed to comply with my demands. This documentation will be submitted in the portal and is under the original complaint number XXXX. 

2. Violation of 15 U.S. Code 1692e : Credit Control LLC, XXXX XXXX XXXX XXXX, and XXXX XXXX are in clear violation of 15 U.S. Code 1692e. They are misrepresenting themselves as distinct entities when, in fact, they are part of the same corporate group. I demand full disclosure of which entity is attempting to collect on this alleged debt.

3. Violation of 15 U.S. Code 1692g : Credit Control LLC has failed to provide a valid validation letter as mandated by 15 U.S. Code 1692g. I hereby demand that Credit Control LLC issue a compliant validation letter regarding this alleged debt immediately. 

Immediate and Non-Negotiable Demands : Immediate Account Closure : Credit Control LLC, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX must close this alleged account within their records without delay. 

Cease All Collection Activities : All collection activities related to this alleged debt must cease immediately.

Refrain from Reporting : These entities must not report any information related to this alleged debt to credit agencies. 

Let me be unequivocally clear : If these demands are not met promptly, I will engage legal counsel and initiate all necessary actions under U.S. Code 1692k to address these violations. I am prepared to take this matter to the fullest extent of the law and will not tolerate any further harassment or deceptive practices.

You are hereby warned : Failure to comply will result in immediate legal consequences, and I will pursue all available remedies to the fullest extent. Others may be scared of you but I am not. I will fight you to the ends of the earth.

Pound sand.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION (FL)

I use bill pay regularly on my windows computer. Same computer I've always used. I use XXXXXXXX XXXX  ( and have tried XXXX XXXX as an alternate ). I can log into my online banking, however when I go to the bill pay section I get an error : " Something went wrong. We were unable to process your request. For help, visit a regions branch or call us at XXXX. '' This problem started on XX/XX/21 as we we were going through our bill pay payees and verifying what bill pay have been cashed or not by comparing them to our online transactions and/or bank statements. All of a sudden it stopped giving us access and gave us that message. We have updated the browser, clear cache/cookies, shut down and restart the computer, none of that worked. I called the XXXX number and put in a ticket. I also went into the branch and was able to see my bill pay profile on the bank 's window computer. I put in another ticket with them ticket XXXX. All in all, I should be able to access bill pay on any computer but specifically the same computer I always use using the XXXX address or internet service provider etc. My username is XXXX
Consumer complaint received 2024-08-22
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: LEXISNEXIS (FL)

They have been sent numerous complaints. The AG has been contacted since XXXX, XXXX, and XXXX. I've requested reports and documents to validate their claims and I've received nothing yet they continue to report false information to experian who have corroborate with them and never provided any documentation to the accuracy of the account. The accounts are not reporting 100 % accurately and also identity theft reports were sent as well as ftc fraud reports sent to experian. 15 U.S. Code 1692c - Communication in connection with debt collection says that all communication should cease and desist. no talking to any bureau or me
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America ( BofA ) starting charging me {$12.00} fee starting on XX/XX/year> for low funds after I transferred some money out. I have had this account with BofA for 23 years now and never had this issue before. These are the issues as I see them : 1 ) BofA clearly changed the policies ( It now says that I have to have a direct deposit worth {$250.00} every month, whereas I have been depositing {$100.00} for the past 23 years each paycheck ).

2 ) BofA conveniently kept charging me fee silently without trying to warn me. I log in to the app many times a year. I never got a single message that they are charging {$12.00} every month. They are willing to show me all sorts of messages to promote their products but when it comes to the fee they are charging they don't bother to inform the consumer. 

I requested them to revert all 11 months worth of fee, and even though the agent said they usually revert 90 days of fee, they only reverted 60 days worth of fee. 
I am disputing all 11 months worth of fee.
Consumer complaint received 2024-08-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I tried using the card at XXXX to make a purchase. When I had tried using it it stated that the card declined. Went online to " register the card '' and again it was declined. Called customer service and they advised that since the card was gifted a year ago I needed to fax them a copy of my ID, my social security number and a copy of the card. The number seemed foreign and I didn't want to do that. They said that was the only way that they can " investigate '' and see if they can reissue me a new one. 
I received this card as a gift for XXXX and we are not able to use it and it has an expiration of XX/XX/year> on it.
Consumer complaint received 2024-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (PA)

I reached out to Shellpoint Mortgage via e-chat on Tuesday, XXXX XXXX, XXXX to request access to my HELOC line of credit. I was informed that I needed to complete a HELOC Wire Request Form which I did and submitted the afternoon of XXXX XXXX, XXXX to the email address provided. At that time, I was told it would take XXXX hours to process the request. On Thursday, XXXX XXXX, XXXX at XXXX, I received an email requesting a copy of a government issued photo ID be emailed. I completed that request and emailed them a copy of my drivers license on XX/XX/XXXX at XXXX. On XXXX XXXX, XXXX, I reached out to the same email address to ask for an update. I received none. I then reached out to the e-chat feature through my loan 's dashboard, I was told that my request had been elevated and was set to transfer on XX/XX/XXXX. On Tuesday, XXXX XXXX, I reached out via e-chat again as the money was not transferred. I was told that the request had not been processed yet and to check in again with them in another XXXX hours ; that my request was elevated again. Today, Thursday, XXXX XXXX, XXXX, I again reached out to Shellpoint Mortgage Servicing to check on the status of my request as I have had to pay out of pocket to contractors providing services at my home which has nearly depleted my checking account. I was told again, that my request has not been processed now due to an " influx of requests. '' I was told that my request was once again being elevated. I told the company that this inefficiency and inability to access my line of credit was unethical and that I would be making a formal complaint.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

When the CFPB made Regions bank payout hundreds of millions of dollars. Regions also changed their ACH policy. They changed their overdraft scam policy also allowing an extra day. Well when the payout was made they also changed the ACH deposit policy. So it takes an extra day for deposits to go through. Causing what? Thats right a possible overdraft. they obviously are doing this to recoup the hundreds of millions of dollars they stole from people. 
Attached is the regulation they changed when they got caught and had to payout millions.
Consumer complaint received 2024-08-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (VA)

Yes I have been the victim of identity fraud I have been going through this I have us cellular but someone has fraudulently opened a XXXX XXXX XXXX account under XXXX and thats not how you spell my name I dont a thing through XXXX but I dont think the person on the phone that put the info down put it down right because its still on my account I have had to dispute a XXXX XXXX XXXX account before and 2 credit card accounts because it was fraud and I have had a fraud alert on my account for 2 years and they are suppose to call my number before they open and account and they keep letting them fraud my account and it brings my credit score down and thats very upsetting
Consumer complaint received 2024-08-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: REGIONS FINANCIAL CORPORATION (PA)

I have a loan for {$9500.00}, I only used {$4700.00} and requested that the loan be closed. The loan was never closed and I was told the company could not email me information regarding the loan.
Consumer complaint received 2024-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) XXXX  XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), 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 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/year> I was scammed by a man through XXXX in the amount of {$2900.00}. This man deceived me by pretending to be a licensed general contractor and an employee of a construction company. I found out both were lies to get money from me. I had him investigated by the Mississippi XXXX XXXX XXXX and their investigation concluded that the man in fact defrauded me. I was able to track the scammer down and sue him. I won in court. I submitted the XXXX investigation report and the court abstract to USAA to prove fraud and USAA has denied to return my money and after repeated times of asking USAA how would they like for me to prove fraud, they refuse to answer how they want me to prove fraud and they have a disregard for the XXXX and the court system. I am a XXXX Veteran and it is a shame to be treated this way. I have contacted three news stations here in XXXX to hear my story.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information necessary to process this request : Full Name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

On XX/XX/XXXX I called IQ data in regards to their response to my first complaint. I was told they had sent out information validating debt in XX/XX/XXXX, I never received it! They said they would be sending out again XX/XX/XXXX and I asked for them to verify my address they had on file and they gave an address that is not mine. I gave them my current address and was told they would be sending out validation of the debt as well as a fraud packet for me to complete. As if XX/XX/XXXX I still have not received anything. They are stating the was from XX/XX/XXXX for an apartment. I have been living at my current residence since XX/XX/XXXX with proof of my signed lease so not sure how I was living at this residence they claim the debt is for while living at my current residence. Im requesting validation to be sent to me by certified mail with proof is delivery to the address given on XX/XX/XXXX. Im requesting they provide proof in their response here uploaded of the proof of deliver for the proof of validation sent to me. This is a huge debt on my credit and if they cant provide validation of the debt as requested which by law I have the right to, I want this removed from my credit immediately!
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (AZ)

I have send numerous letters stating fraudelent inquiries on my account. Despite, Equifax has failed to provide an investigation as to why they appear on my consumer report. This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 

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