davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc. (GA)

The credit company is called Tomoboost. They have consistently taken money out of my account to the amount of XXXX every month. Even when I cancel my debit card and order a new one, they somehow find a way to get the card number. I have tried several times to cancel my subscription on the site but they give absolutely no option to cancel with them. They have no phone number and do not respond to emails. I read dozens of reviews since then of hundred of people going through the same thing. This company will not let you cancel and will always find a way to get your banking information..
Consumer complaint received 2024-10-31
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: CLGF Holdco 1, LLC (DC)

I received an alert in my CapitalOne mobile app from XXXX, informing me of a recent inquiry on my account by 'CB INDIGO Bank XXXX on XX/XX/year>. Since I didnt apply for any financial services or credit cards, nor have I ever heard of CB INDIGO Bank , I called XXXX XXXX XX/XX/year>, to report the issue. 

The XXXX representative informed me they would start a dispute with CB INDIGO Bank and remove the inquiry from my credit report. However, I havent received any updates regarding my case, so I called XXXX again today ( XX/XX/year> ) to ask for an update. 

I was told I should have submitted a report through the Federal Trade Commission, which I am now attempting to do.
Consumer complaint received 2024-10-21
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 (NC)

Initial amount that was financed has grown despite the interest rate staying at 5.9 % We havent missed a payment in 3 years and we now owe more now they we initially took out.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OR)

XXXX XXXX was deducting {$70.00} from my bank account each month for internet service. 

In XXXX in noticed XXXX XXXX had deducted {$80.00} from my account. The service had also become unstable and unpleasant to use.

Upon further review, XXXX XXXX had deducted {$80.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, without my knowledge or permission.

I filed a dispute with Key Bank but I was still charged the amounts. Key bank didn't credit the amounts and denied my dispute.

I've filed multiple complaints regarding this issue with XXXX XXXX but they haven't address the issue. I've disconnected service with XXXX XXXX.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

I have Bankruptcies reporting on all three of the major credit reporting agencies, XXXX, XXXX and XXXX. I reached out to the Bankruptcy provider for all three major credit reporting agencies which is LexisNexis about information in my file, LexisNexis sent me a letter detailing NO BANKRUPTCIES EXIST FOR ME AND THE INFORMATION WAS PROVIDED BY PACER. As of today ( XX/XX/year> ) all three major credit reporting agencies are telling me Bankruptcy information is being provided by LexisNexis. Information also is not provided by the BANKRUPTCY COURTS.I have include the documents below.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

Since XX/XX/year> Citigroup, Citicards and Citibank had continually blocked and blacklisted me from getting any type of products with them. They have denied me to be a co-signer on credit cards, dont allow Citibank clients to transfer XXXX XXXX money to me in any shape or form. Never approved any credit card application without providing further information even after having a XXXX credit score. Closed all accounts I used to have with them and only kept my mortgage loans with them.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

These errors you are reporting on my credit report is making my life miserable, I had sleepless nights, frustration and unnecessary stress it's taking a toll on my mental health, not just that but it negatively impacted my credit score which resulted to my new credit applications being denied when needed most.
Consumer complaint received 2024-07-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to XXXX XXXX XXXX XXXX XXXX. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (PA)

My account with XXXX was never late! I have had exceptional payment history with XXXX 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 to be updated.

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. 


XXXX 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! 


Update the late payments from my consumer reports
Consumer complaint received 2023-10-30
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: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (NJ)

The company changed my payment date where they say I made this request but I never did. I asked them to prove it with the recording where I made this request and they never responded. Now they are charging me {$180.00} in late fees for late payments.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (FL)

I got an alert from XXXX XXXX stating I had owed a balance of XXXX to a collection agency. According to the information it was taken on XX/XX/XXXX, this was not me and should be reported as fraud. I only have one credit card and have never taken out any loans whatsoever.
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

I got the Home Depot credit card through CITI for some promotional purchases for some home projects, since they offered no interest for XXXX months. Initially I used this card for other purchases at the Home Depot store, which were separate from the promotional purchases. When I made these other purchases, I would go online and immediately attempt to pay off this amount. However, interest still accumulated that I had to pay, and no customer representative was able to help me solve the issue. The credit card and promotions were misleading for the following reasons : -The website is misleading, as it will show you your promotional balance, but will not show you any additional, outstanding charges. I discovered this when interest started to accumulate, and I had to call in to a customer representative, who told me that the best way to pay off additional purchases is with a phone call. 
-It is very difficult to get connected with a real representative over the phone to handle the above problem. I had to use incorrect prompts to reach a human that could help. 
-I paid off the non-promotional balances, and even made extra payments on my card prior to the promotional period ending. However, once the promotional period was ending, I attempted to call in and pay off the credit card, but was made aware that there was outstanding interest. The representative on the phone could not tell me the specifics of the charge, but there was a {$4.00} charge that had accumulated over {$40.00} in interest. I asked how this could happen when I paid off the non-promotional balance over the phone previously, in addition to making extra payments on the card. They replied that my extra payments only went to the promotional balance, not the {$4.00} charge, even though I had never specified this with the payments. 
-I went back to look at previous statements to find this {$4.00} charge. When you download statements, it gives you an XXXX file that is very unclear, and I did not see any {$4.00} charge. The customer representative was unable to do anything about these charges and the additional interest I paid. I asked to pay off the entire card and close my account. 

I believe these practices are intentionally misleading in order to accumulate extra interest charges on customers. My guess is that this has affected many other individuals, and I wouldn't be surprised if this results in a future class action lawsuit.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (FL)

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 I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my Early Warning consumer report 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 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 XXXX
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

On or around XX/XX/year>, my cell phone number I use for account verification purposes which was serviced through XXXX XXXX  and was associated with my US Bank account was shut off without my knowledge, permission or consent. I did not realize this number had been closed because it was only used to get into my account and I had been having issues getting into my account using my primary phone number so I had just recently added this number hoping to resolve the issue pertaining to a malicious actor with access to that number. When I found out the number was closed, I immediately went into XXXX XXXX  and alerted them of the situation and my other concerns but had not considered being locked out of my account completely yet as I was assessing any other damage that was potentially being done. When I realized that number was my latest bank account verification number, I tried calling customer service but was only told without access to my number my identity could not be verified and I needed to go into the nearest branch in person. With my busy schedule, I procrastinated and did not schedule any free time to take care of this matter until receiving a letter in the mail stating my account was ordered to be closed due to inactivity on XX/XX/year>. The day I received the letter in the mail was XX/XX/XXXX after business hours. I went into the US Bank branch on XXXX XXXX XXXX XXXX XXXX L as soon as they opened XXXX  XXXX  on XX/XX/XXXX, the day the account was to be closed. I was told it was already closed that day and I was not able to stop the closure and asked to be given the last XXXX years of statements so I XXXX look for any other issue or transaction that XXXX help me to determine how my account was compromised and when. Since my account was closed that day, the statement in question could not be given to me as they would be if my account had still been active and that now I was going to need to pay {$XXXX} for each page of each statement each month, the past XXXX  months which at around XXXX pages per statement in most months and XXXX  months, {$XXXX} for my account documents was out of my budget and I was told I could not log back into my app since I didnt have access to my number.
Consumer complaint received 2024-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

I sold my car and the money was deposited into my Chase bank checking account. I initiated a transfer to my Partners XXXX  account, where my loan exists, so I could pay off my balance and provide the title to the new owner. Chase called me to verify the transfer was authorized, at which point I gave consent, but questioned why all of my transactions require authorization, when in my memo, I clearly asked to not decline this transaction as they declined it a week or two prior. This delay is causing me to incur further interest on my loan. The agent that accepted the escalation was named " XXXX '' and she informed me that since they can not verify that I am the owner of the recipient account, or the owner whose name is on the car loan, they could not transfer the money. I asked XXXX why it mattered who I sent my money to, that in fact, as the money is mine, I should be free to send it to whomever I please, regardless if my name is on the receiving account or not. She told me that there was nothing that she could do without this proof. She asked if there was anything else she could help with, and I let her know that she caused more confusion now than before and she was no help. She hung up the phone and the call was then disconnected. A few minutes later, I attempted to log into my Chase account and was locked out due to suspicious activity. It then took me numerous calls back to Chase to unlock my account, which took time out of my work day. I still have not been able to transfer my money, even though this external account has been verified through Chase 's external account verification process.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

I am writing regarding inaccurate late payment entries on my credit report. I submitted a formal dispute of these items over 30 days ago and have not received any response or validation of these reported late payments.

Under the Fair Credit Reporting Act ( FCRA ), you are required to : 1. Investigate disputed items within 30 days 2. Provide validation of reported information 3. Correct or remove any inaccurate entries
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

In accordance with the credit reporting act this creditor has violated my rights under 15 us 1681 Section 602 which states I have the right to privacy 15 USC 1681 Section 604 section 2 also states a consumer Reporting agency can not furnish this account without my written instructions under 15 us 1666b accredited may not treat a payment on a credit card account under an open consumer Credit Plan as late
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (MD)

I thoroughly cleaned the apartment ( refrigerator, stove, ( XXXX ) bathrooms, floors, and garage ) before the lease expired and was charged a cleaning fee of {$250.00}. I received no notification from the leasing office within the 45-day window. I received a collection letter from I.Q. Data Internation , Inc. DEMANDING to be paid on XXXX XXXX and stated that if the amount were not paid during the phone call, I would be sent to collections the same day. I did not know what was going on, I did not know who was calling me because the rental office said I should hear from them ( XXXXXXXX XXXX XXXXXXXX ) within 45-days of the vacate date ( XX/XX/24 ). I reached out to the office and was given the collections number and stated that I had to deal with them. I expressed that I had photos to verify that the apartment was cleaned thoroughly. I am being charged for a cleaning fee and the apartment was already cleaned. The rental office has pictures as well,
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

I got this personal loan to try to consolidate my debt, but when I recieved the loan I added on insurance to the loan. Which they said would pay my monthly payment, if anything were to happen. I Called them to use this service and they said that it wasnt like that, and they wouldnt be covering anything. Now I owe them late fees, on top of XXXX payments at once. So Im not exactly sure what the add on was that I purchased.
Consumer complaint received 2024-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: REGIONS FINANCIAL CORPORATION (CA)

We ordered a broker price opinion to check if we can remove PMI. We got the XXXX and the bank sent me a letter saying based on my new home valuation the new Loan to Value LTV is 76 %, however that is not good enough to remove PMI. Based on your website, PMI should be removed at 80 % and must be removed by 78 %. Please help.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MO)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.