davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

Citizens Bank sent an online bill payment paper check to the XXXXXXXX XXXX XXXXXXXX that was never received. They opened case XXXX and promised to send proof of payment to both the XXXX and myself. The XXXX has not received the letter and the letter I received was incorrect and unusable. When I asked for a corrected version I was refused ( by telephone XX/XX/year> ). I was told to place a stop payment on the item never received and that I would be charged a stop payment fee which would be reversed ( case XXXX ). The township of XXXX has charged me {$23.00} in interest for not receiving the payment. I have many case numbers but no resolution.
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood. Both crypto and regular money were stolen. A new debt card has been sent by Robinhood and activated by someone else who is not me. Over {$1500.00} in crypto transferred, over {$500.00} spent from the Robinhood debt service. Now Robinhood has restricted my account and is keeping the fraudulent debt card open and active??? They are also requesting documents with no way in the app to upload verification documents. I have tried contacting the digital wallets for help but they refer me back to Robinhood. I need to get my money from Robinhood and move forward.
Consumer complaint received 2024-09-13
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to an internal error in XXXX  XXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as 30 and 60 days late, which is inaccurate and has unjustly affected my credit report. 
Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX XXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-13
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. (TN)

I reviewed my consumer reports and noticed I had two late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts, so I have included screenshots inside this complaint for XXXX XXXX XXXX XXXXXX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (TN)

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Company reports this as a chargeoff/profit and loss on my consumer report but failed to send me a 1099-C for this debt. This is a violation of my rights and is damaging to my consumer report.
Consumer complaint received 2024-09-13
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)

My account with was never late! I have had exceptional payment history witH XXXX  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 reported in 60 days 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.

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 8
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (AR)

XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1000.00} XXXX Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$15000.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status XXXX XXXX XXXX opened XX/XX/XXXX Balance {$4700.00} Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 

NCB MANAGEMENT SERVICES Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. {$9900.00} past due as of XX/XX/XXXX.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collection Management Holdings, LLC (AR)

XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1000.00} XXXX Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$15000.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status XXXX XXXX XXXX opened XX/XX/XXXX Balance {$4700.00} Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
COLLECTION MANAGEMENT CO Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. {$9900.00} past due as of XX/XX/XXXX.
Consumer complaint received 2024-09-13
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Jefferson Capital System Dear Sir/ Madam , I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account # XXXX in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except fro the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 60 days 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.

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 8
Consumer complaint received 2020-09-29
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FCI Lender Services Inc. (CA)

This is an account of events as far as I am aware of based on the documentation that I am sending you. 

A Mortgage for the property at as a first deed of trust in the amount of {$470000.00} the full amount of the sale price, at XXXX XXXX XXXX on XX/XX/XXXX. 

On that same day, XX/XX/XXXX, a Stand-alone Second mortgage was recorded for XXXX XXXX in the amount of {$95000.00}. I was not aware that there was a stand-alone second. 

In, XXXX we divorced and Mr. wanted the responsibility of the house, I agreed but added a clause in the divorce that required him to maintain insurance, pay taxes, and mortgage on time. In addition, I stipulated that he refinance to take my name off the loan within two years. After 3 years ( XXXX ) when he did not and was about to go into foreclosure, I sued him for possession, he was evicted and I moved into the house. Mr. had negotiated a loan modification in XX/XX/XXXX with XXXX without me knowing or being involved. 

When I moved back into the house I found a property profile that documents both the XX/XX/XXXX transactions as well as the Notice of Trustee Sale dated XX/XX/XXXX. 

Later when the enclosed piece of mail caught up with my move I received a Substitution of Trustee which indicates XXXX XXXX  XXXX assigned XXXX XXXX XXXX XXXX XXXX XXXX, whose address is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX CA, XXXX. I had no idea what that was! 


In XX/XX/XXXX I received a letter from FCI Lender Services explaining I owed {$97000.00} to their client XXXX XXXX XXXX who has authorized them ( FCI Lender Services ) to collect on their behalf. I was shocked and immediately called XXXX XXXX XXXX and asked if the was a problem and fully explained the notice/request for payment. The customer service rep explained that my loan transferred smoothly and completely from the previous mortgage services XXXX XXXX. I then called XXXX XXXX and explained the exact same concern, I got the same response there was no problem with the transfer and confirmed my loan details and amounts. 
Now I am getting notices that now say, Foreclosure Prevention Alternatives. 

I do hope you can explain to me how someone The Trustee can take out a stand-alone second in excess of what the house is worth. Wait seventeen years then try to collect from me when I did not take out the loan nor benefit from it?
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (NJ)

Dear CFPB Officials, I am writing to formally address the complaint I filed regarding the Apple Card promotional bonus of {$100.00}, which I have not received. My application for the Apple Card was completed on XX/XX/year>, after receiving an invitation link from a friend. However, Goldman Sachs Bank has claimed that my application was submitted on XX/XX/year>, a statement I believe to be unfounded and without proof. They try to argue that I did not submit the application on the promotional period to mislead the official of CFPB. I have submitted this case before ( complaint ID XXXX ) but it was not properly solved. 
Despite my repeated attempts to resolve this matter directly with Goldman Sachs, I have encountered an endless cycle of requests for the promotional link screenshot. Each time I provide the requested documentation, I am informed that they will build a case, only to be asked for the same evidence again in subsequent communications. This lack of resolution has led me to believe that Goldman Sachs is evading responsibility for honoring the promotional offer. 
Furthermore, the assertion that I applied prior to the promotional period appears to be based on fabricated evidence intended to mislead your office. It is deeply troubling that a reputable institution like Goldman Sachs would resort to using false information in an attempt to undermine my legitimate claim. This behavior not only affects individual customers like myself but also undermines the trust and integrity of the CFPB process. 
I can provide supporting documentation, including my XXXX credit report, which clearly shows that my Apple Card was opened on XX/XX/year>. Additionally, I have the screenshot of the invitation link from my friend, which explicitly states, " you received an exclusive Apple Card invitation from my friend. '' I respectfully request that you review my case thoroughly and take into consideration the evidence I can provide. I urge you to look beyond Goldman Sachs ' misleading claims, as they seem to be attempting to cheat the officers of the CFPB. 
Thank you for your attention to this matter. I look forward to the response and will continue to pursue this issue until it is resolved satisfactorily. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

Once again, a Chase payment to cover my credit card bill at XXXX was not received by XXXX after having been withdrawn from my Chase account on XX/XX/year> by Chase.. Payment number XXXX. This has led to additional late fees being charged and a negative impact to my credit score..
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Linebarger Goggan Blair & Sampson LLP (MD)

I received a response to my last complaint that I put in on XX/XX/XXXX. And the response is false information as I reached out the Company today XX/XX/XXXX, and there is a balance with them for {$180.00} still in collections. The response stated that there is nor further amount due. I have also spoken to XXXX on numerous occasions prior to contacting Linebarger Goggan Blair & Sampson, LLP to see if my dispute has been sent to them and on all occasions, which were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, they have told me they have not received any disputes from Linebarger Goggan Blair & Sampson , LLP, on my behalf. When I tried to settle the debt with them due to the toll notification being sent to my previous address, they explained they could not assist me due to the matter being sent to collections. They have also mentioned that numerous people have the same issue with this very same company. There are a lot of different factors involved in changing duty stations and failing to update my address registered with the DMV is an assumption of inaccurate information. I was in the process of registering my vehicle when the tolls were incurred because I had since then also changed my license plates. I do not appreciate the manner in which this company is handling my disputes especially since I am an XXXX XXXX Service member serving my country.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (VA)

I booked a hotel through XXXX on XX/XX/XXXX for XXXX XXXX their confirmation is XXXX for {$170.00}. 
I never did stay there due to safety reasons. I called the hotel and sent emails to the general manager agreeing to refund me. They refunded the money back to XXXX. I call XXXX and since I disputed the charge they couldn't touch the funds to return to me. I reached out to Robinhood four times provided the info from red roof and to give me my money back. They never sent provisional credit to me. And still won't help. They say if it bring the dispute is lost then I can't get my money back. I want my money now.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

i recently reviewed my credit report and noticed an account that was not reporting accurately. I had an late payment on an account that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account " Credit acceptance corp. '' has not been late on the following date XX/XX/scrub>XXXX XXXX
Consumer complaint received 2024-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Cash App has allowed fraudsters/scammers to be allowed on their platform. I have tried to address the issue and they just allowed to payment to go through for {$400.00} and told me all I can do is to request it back. Then still continues to allow them even after my complaint to use their platform meaning they don't care about my issue or care to address it.