davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
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: Fidelity National Information Services, Inc. (FNIS) (FL)

Around XXXX months ago, I noticed that the name " XXXX XXXX '' was being reported on my XXXX XXXX account by XXXX. I took the initiative to request the removal of this name, and they successfully removed it. However, in XXXX, I faced a denial for a bank account due to ChexSystems. Upon obtaining my report, I was surprised to find that the name " XXXX XXXX '' is still being reported, either by XXXX or XXXX XXXX, or both. This misinformation is not only inaccurate but also illegal, as it's negatively affecting my financial opportunities.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To Whom It May Concern : On XX/XX/year>, I filed my 1 st complaint ( Complaint ID XXXX ) with the CFPB stating the accounts on my credit report with the laws TRANSUNtON has violated. 
On XXXX XX/XX/year>, TRANSUNION responded with a VERIFIED AND ACCURATE response to my 1 st complaint *** XXXX XXXX *** On XXXX XX/XX/year>, I initiated my XXXX complaint with the CFPB ( Complaint ID XXXX ) asking TRANSUNION to send me their METHOD OF VERIFICATION used to deliver a VERIFIED AND ACCURATE response to my XXXX XXXX complaint with the CFPB. 
On XX/XX/year>, TRANSUNION responded again with a VERIFIED AND ACCURATE response. *** XXXX XXXX *** This is my 2ND REQUEST for your METHOD OF VERIFICATION in accordance with FCRA 611 ( 15 U.S.C. 168i ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Once again, I am writing to request the method of verification for dispute initiated and the subsequent response received. The following accounts remain on my credit report, and they should be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please send the following information used to verify the validity of these accounts that were previously disputed.

1. The name of the original creditor 2. The creditors address and telephone number 3. The person 's name they verified the dispute with 4. The documentation used to verify the dispute.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the infomation you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

I've been a loyal Discover credit card holder for over 8 years, maintaining a good standing by diligently paying my bills each month. My brother also uses the card occasionally. Recently, I discovered fraudulent transactions on my account, which were occurring daily and ranged from {$19.00} to over {$250.00} per transaction. Some days, there were multiple transactions of {$19.00} or {$40.00}, up to twenty times, which is highly unusual. 

Initially, I assumed these charges were made by my brother and paid them off without questioning. However, I later learned that he hadn't made any of these transactions, leading me to realize I had unnecessarily covered the fraudulent charges. 

Upon discovering this, I promptly contacted Discover to dispute these transactions. Unfortunately, Discover declined my dispute without thoroughly investigating the matter. They did not validate the transactions with the merchants involved or analyze the patterns, such as the countries of origin, IP addresses, or the unusual frequency of transactions. This lack of thorough investigation is concerning, especially given the significant impact on customers like myself. 

I urgently seek your assistance in resolving this dispute with Discover, as I have not received satisfactory answers or support from them so far. It appears that Discover may not have sufficient fraud detection and resolution processes in place, which is severely affecting customers who are victims of fraudulent activities. 

Your prompt attention to this matter would be greatly appreciated
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (TX)

Hello, I have opened a new checking account for Citi Bank on XX/XX/year>. On XX/XX/year> I was trying to send money via XXXX to a friend and it asked me for a PIN number which I never created. It locked me out of all of my accounts and I have been calling Citi Bank everyday for XXXX hours a day trying to get my account to unfreeze. Every time I call they ask me to verify my security code and every time I do they tell me it is wrong and I only have 3 times to verify before they can not longer try. They also re route my call XXXX times each call. I do not understand why they can not verify my identity using my SSN or other information. The only thing they want is my security code which I do not have. There are no XXXX  branches so I am not able to complain in person. I have {$1800.00} in the Citi bank and I need to make payment on bills. The only way they said I can unlock my account is by writing a letter which can take XXXX months which is insane.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates of XX/XX/XXXX of 2024XXXX XXXX 2024 I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-10-27
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. (CA)

XX/XX/2022 there was a late payment implemented on my credit report. I contacted the institution multiple times on this matter with no resolution. The institution is XXXX XXXX XXXX XXXX. 

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC -1681 section 602 states I have a right to privacy. 15USC-1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC-1666b a creditor my not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MORGAN STANLEY & CO. LLC (NC)

I opened both checking and savings accounts with ETrade Bank ( Morgan Stanley Private Bank ) and initially funded the accounts via ACH transfer from XXXX XXXX XXXX on XX/XX/year>. I then attempted to transfer additional funds in via the same transfer facility that I used to open the account. ETrade Bank reversed this transfer without explanation. I attempted this multiple times to no avail. I called them and they said that a hold was on the account. They had no explanation for why. Since I had also transferred my mortgage and car payments over for direct draft payment from this new account, this hold caused both of those payments to be rejected, which cost me almost {$200.00} in reversed payment fees and interest. After working with them, they said they removed the hold. Then I attempted to transfer money again, which was reversed again. I also attempted to deposit checks via mobile deposit which failed so I Fedexed the checks to them and they returned them without depositing. After all of this, I called to close the accounts and have my money wired back to my original bank. They refused. They said there was a hold on the account but they wouldn't tell me why. They refuse to give me access to my money or return it or close the account.
Consumer complaint received 2024-06-25
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have not used the Cabela 's card since XXXX. 

Transactions on Cabela 's statement which I did not make have not been explained. Instead the account has been sent to multiple collection agencies. Each time I get a notice I call and ask for the details behind the transactions- such as what was purchased, by whom, and where it was sent to, who made the payment and the online credit. This has not been provided. I requested this in writing each time also. 

Transactions include : XXXX. Previous balance XX/XX/XXXX {$47.00} ; Payment XX/XX/XXXX {$47.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$39.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$440.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$84.00} XXXX. Cabela 's online purchase XX/XX/XXXX {$84.00} TOTAL online purchases- {$650.00} XXXX. Cabela 's online credit XX/XX/XXXX {$210.00}
Consumer complaint received 2024-07-12
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: CREDIT ACCEPTANCE CORPORATION (GA)

The creditor knowingly approved a loan for me despite being fully aware that my income was insufficient to meet the repayment obligations, anticipating that I would default and they could repossess the vehicle. This predatory tactic has been a recurring pattern for them, leading to multiple lawsuits. Thos same tactic caused a financial strain has adversely impacted both myself and my family, significantly damaging my credit. After enduring this situation for several years, I eventually settled with them to resolve the matter. However, the lingering negative reporting continues to cast a shadow over my credit history.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I received my XXXX statement from capital one, I noticed that they were charging me interest for an incorrect balance then I contacted the bank on XX/XX/24 at XXXX to notify them that the amount charged was incorrect and the XXXX-speaking representative XXXX responded that it was correct and I had to pay it and I asked to speak with a supervisor her name was XXXX and I told her the situation and she said that I had to pay the interest.In summary, this was the situation : the previous balance from XXXX was approximately {$540.00}, I made a payment of approximately {$340.00} minus a cash back applied to the balance of approximately {$10.00}. I had a balance from the previous statement of {$190.00} and it was assumed that I would pay interest on that amount as the same statement says on page # 6 But the supervisor is unaware of that information and hostilely refused to correct the amount and proceeded to close the account and proceed to report them to you.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (TX)

Closed my Credit Card and paid off the Balance. Concora Credit still says I owe over {$400.00} dollars. They will not accept my phone calls. They say my account is closed, which it is. I just want to know what I am paying for. I need an itemized statement for the XXXX + dollars they say I owe so i can see if I actually made the charges.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MI)

I received an email back on XX/XX/2023 notifying me that an account with Chime was opened and on XX/XX/2023 I received an email letting me know a debit card was being sent. I received the debit card about 7-10 days later. I received a email on XX/XX/2023 asking me to activate my new debit card. I received another email on XX/XX/2023 reminding me to activate my debit card. During this time I did receive the debit card and didnt do anything with it as I had no idea why I was sent the debit card. I didnt think anything of it until I started receiving emails saying money was being transferred to and from the account on XX/XX/2023. I contacted Chime yesterday XX/XX/2023 and spoke with XXXX and she was able to confirm an account was opened in my name. I confirmed I never opened the account. She closed the account and canceled the debit card. She emailed me a confirmation of the account and debit card being closed. I did contact all 3 credit bureaus and froze my credit with them. I didnt notice anything else opened in my name and my actual bank accounts remained untouched. Im just trying to be proactive.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX reported 30day in XX/XX/2023 we are currently in XX/XX/2023. Loan care received payment on XX/XX/2023 which is within 30days. Theyre reporting inaccurate data that has caused an hardship on my financial status and employment. Ive called several customer representatives was told I would receive a call back from a manager that day and its been over two weeks no call, and no notification from from XXXX. This mortgage company is practicing unethical behavior, causing injury to the consumer.
Consumer complaint received 2023-10-27
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)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2024-02-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

THIS COMPANY ADDED A COLLECTION TO MY CREDIT REPORT BACK IN XXXX OF LAST YEAR WITHOUT EVER EVER INFORMING ME OF THIS. 

I FOUND OUT IN XXXX WHEN I CHECK MY CREDIT ON XXXX XXXX AND SO THIS COLLECTION I SENT A LETTER ASKIGN THEM TO VALIDATE THE DEBT AND TO THIS DATE NOTHING AND THE ILEGAL COLLECTION DEBT IS STILL ON MY CREDIT REPORT I DEMAND THAT THIS IS REMOVED AT ONCE.
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (GA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX Balance : {$22000.00}
Consumer complaint received 2024-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I am writing to file a formal complaint against Shellpoint Mortgage Servicing regarding their failure to disburse the remaining balance of my insurance proceeds following hurricane damage to my home. 

On XX/XX/year>, Shellpoint Mortgage Servicing confirmed that all required repairs have been completed and all necessary paperwork has been submitted. Despite acknowledging that they are ready to issue the insurance funds, they have repeatedly stated that they are unable to do so because they can not locate my insurance proceed funds. Shellpoint Mortgage Servicing purchased my mortgage from XXXX XXXX XXXX, who previously serviced my loan. Despite my requests, Shellpoint Mortgage Servicing has not made any effort to contact XXXX XXXX XXXX to retrieve the balance of my insurance proceeds. 

I have contacted Shellpoint Mortgage Servicing multiple times via phone and email, but have received no satisfactory response. They have insisted that it is not their responsibility to retrieve the funds from XXXX XXXX XXXX, despite my explanations that I did not refinance and Shellpoint Mortgage Servicing assumed responsibility for my mortgage on XX/XX/year>. 

I have also contacted my insurance company, who confirmed that it is Shellpoint Mortgage Servicing 's responsibility to disburse the funds, as they purchased my mortgage with full knowledge of its terms and conditions. 

As a result of their inaction, I am facing undue financial strain and uncertainty regarding reimbursement for necessary repairs to my home following hurricane damage. I am entitled to these funds under the terms of my insurance policy and expect Shellpoint Mortgage Servicing to fulfill their obligations without further delay. 

I request that the Consumer Financial Protection Bureau investigate this matter promptly and ensure that Shellpoint Mortgage Servicing complies with all applicable consumer protection laws and regulations. I also request that Shellpoint Mortgage Servicing provide me with documentation showing their efforts to retrieve the balance of my insurance proceeds from XXXX XXXX XXXX. 

I can provide relevant documentation including correspondence with Shellpoint Mortgage Servicing and my insurance company, to support my complaint. I have a letter from Shellpoint dated XX/XX/year>. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (CT)

On XX/XX/year>XXXX TD Bank reversed disputed charges and put my account extremely negative. This account is where all my bills, mortgage, at payment, utilities go through and they made me negative. On top of that they started charging me overdraft fees when they made me negative. My whole purse was stolen and o immediately called them and told them and they canceled my card. I had to call make to dispute the charges when they went through. My other credit card was stolen and I had no issues disputing those charges, but TD says because the closed card was used again after it was closed it must have been not fraud? My whole purse was stolen with all my IDs and a credit card and this debit card. They refuse to help me and explain to me how I am liable when its XXXX XXXX  I have called and they dont let me speak to a manager and arent knowable about regulate e or the consumers rights at all. They dont even have a fraud department that could assist and the hold times are very very long! Please have them correct this and credit my account what it is owed. I have never had this issue and not sure why it my card was stolen why they wont credit my account when thats what their policy states online.
Consumer complaint received 2024-07-16
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: Continental Services Group, Inc. d/b/a ConServe (NE)

Paid and old debt to conserva debt collection for a debt they held for ENT credit union the check cleared XXXX XXXX  I initiated a dispute to have them change the debt status to closed paid and they did not change the status after the dispute was finished
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I never drove this car I had the car for maybe XXXX weeks then I returned the car I never got in this car never drove it nothing it sat on the driveway for two weeks then I returned it Im still being billed monthly for this car which was from XXXX and I never drove it Im being billed in XXXX for it I owe approximately {$34000.00} on this car and I never even drove it Im being charged for a car I didnt use and its brining down my credit horrendously
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (NY)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.