davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (TX)

I am very upset with this process. On XX/XX/XXXX I filed a complaint with XXXX. I've done everything that was asked of me and still I have a problem with it. This information is not my information. It is fraudulent information I sent you all the information you needed and still you haven't taken care of it I don't know what the problem is you said that I didn't send in the right information I sent in the FTC report as well as my verified ID in my utility bill and my Social Security card. I called to verify that everything had been received and that you guys were going to remove the information because it was fraudulent and I gave all the information but yet and still you did not remove it. I had to call several times talked to several people wait online while they transferred me to different departments I just. Need you to remove this information the law says you have XXXX days to remove it. You did not remove the information that is a violation. 
15 us Code 1681c -2 fraud remove in XXXX days 15 us Code 1681e - reporting inaccuracy All I want is for this to be fixed. Please remove these items immediately. They are not mine and they are not accurate. You did not explain how the information was verified but given the fact that you're being paid by these companies, I'm sure that you're taking their side without verifying any information. The information I need to verify is whether or not this is my account or was it fraudulently opened you're not doing that you are not doing what you're supposed to do by the law. Remove these items immediately it's affecting my ability to get Credit to help me with the things I need, including getting a job and you are not following the law. 
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 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CT)

XXXX XXXX XXXX charge is closed with a XXXX interest program I paid off the balance XXXX $ its been a whole month the updated status in not reported and there charging me a late payment on my account XX/XX/year> wich I contacted them they said its nothing for them to do. I would like them to delete the payment cause they dont have consent to file late payment when account was closed by granter. I would like the late fees be removed due to the fact the balanced was paid offf. Before XXXX XXXX.
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Easy Finance, LLC (TX)

It has been an ongoing issue. They draft my account on the wrong dates. Today for example XX/XX/year> they tried drafting my account when the due date isn't until XX/XX/year>. 
This is a recurring issue. When the payment is late. Quite literally within the same day they will harass ( not just call ) by phone, email and even text from a personal number. To an excess of 11 times within one day. That is to myself and all references listed on my account. They have lied to me. In regards to getting information. Have incorrectly debited the wrong account. They will repeatedly try with accounts that I have used for payments that is not the method of payment or account listed in the loan agreement. This behavior has happened even after agreements have been made about when late payments would be settled.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (AZ)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-08-15
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

In XXXX I signed a written agreement with Shop Your Way XXXX card for a XXXX fixed XXXX. Over time Citi Bank took over the account changing it to a variable APR jacking the prices up to unmanageable rates. Now they only give you the option to close the account through and automated system if you don't agree with there terms. Even though your original contract specified it was a fixed rate. These surprise hikes in interest have made it impossible for me to continuously pay them. It's unconstitutional for a company to change a person written signed agreement and then to continuously hike the prices up. I'm asking CFPB to act in regards to the people who agreed to fixed rates and stop these companies from hurting the American people by changing agreements and surprise hiking rates up to unmanageable amounts. I was able to pay these cards off before this now it's impossible. It's now become a chain that you can't get out of which is not a Best Practice Act. They were contacted on XX/XX/XXXX and no resolution was given.
Consumer complaint received 2024-08-15
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (GA)

XXXX XXXX - I noted my card was suspended. 
XXXX - I called InComm customer service and they informed that my account was suspended due to security reasons. They created case # XXXX. 
XX/XX/XXXX - InComm contacted me via email informing that they will have to close my account due to security reasons. They asked me to provide them a utility bill for address verification purposes and once verification is done they will provide a refund check. 
XX/XX/XXXX - I replied to their email ( documents sent to chdocuments@incomm.com via email as advised ) and provided information requested. Received an automatic receipt email. No further response. 
XX/XX/XXXX - I inquired regarding the status of my case via email. No response. 
XX/XX/XXXX - I called InComm and they told me they did not receive my documents ( despite I have received automatic receipt email ). They asked me to send again. 
XX/XX/XXXX - I called InComm and they once again told me they did not receive my documents. They asked me to send documents to consumed@incomm.com instead. No update so far. 

It has been over 45 days since I first attempted to resolve this issue with InComm. Unfortunately, due to their disorganization and mismanagement ( I receive automatic receipts from their email, yet they continue to claim they haven't received my documents ), no progress has been made. This delay far exceeds the 30-day resolution period they initially promised.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (FL)

Amsher collection service trying to collect a debt from me that I never receive any mail from them before debt when on my credit I need verification of debt including original signature with me and the creditor and contract with original creditor and them showing they have rights to collect the alleged debt also Florida debt collector license number because in Florida you have to have one to collect debt if can not provide information and documentation require this need to remove from my credit report for identity theft
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

This is the 4th time that XXXX had tried to put a collection on my credit report. You have made them take out off 3v times before. I have a government phone, I've had it for XXXX. I've never used XXXX for any thing ever and they know it.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of the suppression currently placed on my credit report. This suppression is adversely affecting my ability to access my credit file, which is crucial for me to check the accuracy and completeness of my credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NV)

Creditor reports account was charged off but never sent a 1099-C cancellation of debt form. This account is inaccurate and needs to be removed.

I do not recognize how this account is reporting on my credit report. I don't the account number, I don't recognize the account status and I don't recognize the account high balance nor do i recognize the late payments associated with it everything reported does not meet the FCRA.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

I had deposited two separate checks. I had to wait two different days to receive it. After that, I decided to log in again to check the status and my account was closed down without an explanation at all. I called them to try to resolved the issue. They are stating that need to send a reference letter to verify my identity because number is not verified in the system. I thought it was odd because this is the number i use to verify my account in the beginning of signing up for Citibank.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Eastern account system I have no idea who they are or what they do, all the certaint they run my XXXX down to like XXXX point which very fustrating me, because I don't know them at all, since last year I request a ip pin, to protect my XXXX from being use by someone else please help me out I was building my XXXX  for something important and this happened.
Consumer complaint received 2023-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

While checking my most recent credit report via XXXX, I noticed credit inquires that I did not authorize, Made by the following companies : XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX. CAPITAL ONE on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/year> in evening got an email from my credit card that I updated my phone number, then got few more emails stating that I changed my user ID and password, were also using a different device. I have not done any of those. Called Chase Fraud dept to notify them, it was not me and suspect fraud. Chase tried to ask questions to verify, they could not verify me. So they told me they could not discuss any further regarding my account.
Consumer complaint received 2024-08-12
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. (AL)

I sent dispute letters via Certified Mail to Experian, XXXX, and XXXX in XXXX of XXXX. However, I did not receive a timely response from either bureau regarding my inquiries. In addition, I received return receipts well beyond the time it took to receive them. It is possible my inquiry was ignored and I have yet to receive results from the disputes sent in XXXXXXXX XXXX XXXX XXXX I have waited an extensive amount of time for a response but none was given. I have receipts of the Certified Mail sent.
Consumer complaint received 2024-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I do not recognize these hard inquiries reporting on my credit report I ask that they be deleted these hard inquiries is effecting my credit negatively. Ive listed the hard inquiries. 

XXXXXXXX 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 2024-08-07
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (AR)

Something happened to my account after they changed the website for account access. My password won't work now. I'm unable to reset it. I can't get help from anyone. They are not replying me. They called but I didn't understand what they were saying. I tried calling back but I can't get a live Agent. I need access to my account so I can make payments and check my balance.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (CA)

The loan on our primary home was transferred from XXXXXXXX XXXX XXXXXXXX to Freedom Mortgage effective XXXX XXXX. We continued to receive bills from XXXXXXXX XXXX  XXXX in the same amount as our previous mortgage payment through XXXX ( {$3000.00} ). No letter or notice was received concerning a escrow account adjustment. 

We received a series of paper notifications from both lenders about the transfer and went out of town for the entire month of XXXX. We set up our existing monthly payment ( {$3000.00} ) to Freedom Mortgage online via wire as the last notice from them before departure had reflected that our monthly balance due would not be changing. 

Upon return, we received a past due letter from Freedom Mortgage in the amount of {$230.00}. Upon calling, I was informed that this was a past due amount due to an escrow account resolution from XXXXXXXX XXXX XXXXXXXX. I promptly paid the {$230.00} and requested that the late notification be removed from XXXX as my credit score was impacted nearly XXXX points. In fact, I was in such a panic- I paid this amount to them twice via bank account transfer as I've never had a late payment on anything in my life and have always had an excellent credit score. ( Payment evidence attached ). 

Freedom Mortgage directed me to XXXX to file a dispute. They claimed that it was XXXXXXXX XXXX XXXXXXXX who reported the late payment but XXXX informed me that it was Freedom Mortgage who reported it. And not only was this not productive but the claim " resolution '' now indicates a late payment of the ENTIRE new payment amount - not the {$230.00} shortfall due to escrow recalculation. So it appears on my credit as if I had a full late mortgage payment when in fact it was only the new difference in the escrow account of which I had not been duly informed. IN FACT, I received the letter TODAY ( XX/XX/year> ) dated XXXX XXXX XXXX from XXXX XXXX  XXXX concerning the escrow account adjustment. 

The purported late fee, loan transfer and our resolution of the escrow shortage all occurred within a 60 day period. While I realize our travel was untimely, this was clearly an oversight by XXXX XXXX XXXXXXXX prior to transferring the loan and we feel as if we are being unfairly penalized for the transfer for which we did not initiate.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DIGITAL FEDERAL CREDIT UNION (MA)

XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX. 
XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XXXX XXXX. XXXX. Total {$14000.00}. ( XXXX ) These are the claimed transactions, we want them to be reversed since we fell into a scam company and several payments were made because we did not know that this company was fraudulent.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (GA)

hello I filed a cfbp complaint with CarMax I was told to get in contact with XXXX XXXX or XXXX XXXX through CarMax I have tried several times to get in contact with XXXX XXXX even through email I have called my bank on three way once with one of the representatives and when I clicked back over the lady was so rude to me through CarMax she even pretended to act like she couldn't hear. The second lady i was able to merge my bank but he hung up because he couldn't do three way calls he said " I can only notify XXXX  XXXX had over XXXX in the bank. Im very frustrated with carmx and I cant wait to go somewhere and refinace this is XXXX and they are crooks this information that they are reporting is false.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (FL)

These people have opened checking account, debit account, savings account, and credit card under my name. Also they did a balance to my account that had a XXXX balance. All through Citibank. I only have 2 credit cards from Citibank. I have not charged anything since XX/XX/year> on Citibank. 

Someone opened a credit card on XXXX XXXX with this telephone XXXX and try to charge {$2000.00}.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NJ)

My coinbase account is restricted. I can not transfer funds out of the account. My money is essentially locked in their application and they are being unresponsive to my emails to their customer support line regarding this case. It has now been several months since Ive been having this issue with no progress. This is extremely sketchy and dangerous behavior for a company charged with the responsibility of protecting the publics digital assets.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (GA)

Cavalry SPV, brough a civil lawsuit in XXXX XXXX XXXX XXXX in the State of Georgia, ( case # XXXX ), the Judge ruled the the favor of the Cavalry CPV. I filed an appeal in XXXX XXXX XXXX XXXX ( case # XXXX ). On XX/XX/year>, the debt collector failed to appear in court, leading the judge to dismiss the case in my favor. Before this, the debt collector never provided a validation notice. Despite the dismissal, the debt collector continues to report the debt to the XXXX credit reporting agencies. Initially, the debt amount was {$3100.00}, but they are now reporting a higher amount of {$3600.00} to XXXX, XXXX, and XXXX. Cavalry, has violated South Dakota Codified law 53-1-2 and Federal law 15 USC1692j ( a ), 1692 ( e ) ( 9 ) ,1692 ( e ) ( 14 ), 1692 ( i ) ( a ) CFPB Section 1006.34 ( a ) ( 1 ).
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (CA)

XX/XX/XXXX I received an email from Cash app that they were closing my account and then I was no longer allowed to use them. I've used cash app for years and all I do is pay my bills matter of fact most of my bills auto deduct from my cash app card I use it more than I use my XXXX XXXX  card so I was sure that it had been a mistake so on XX/XX/XXXX I sent him a message asking why they were closing my account and that it might be a mistake and I was told that they couldn't see why it was closed but they could send it up to the next department and it could take anywhere from 30 to 60 days. I found that really odd that they could inform me that I broke some rule but not tell me what it was that I did. I tried several more times from different customer service reps at Cash app and I was given the same answer every time that they couldn't do it or they reps at Cash app and I was given the same answer every time that they don't know what the reason was but still they close my account and said I can't use them anymore All I want is an answer to why they close my account and they will not give me one I get the runaround every time I talk to them they give me the same answer that they can't tell me and and someone will get a hold of me well it's been over 30 days and twice now they have closed my complaint ticket before you even giving me an answer. Having that card just closed on me really affected my bills and everything like I said everything was under deducted from there and they've never given me an answer and they're never going to give me an answer I don't think that's right they tell people to use your card and get direct deposit and all this stuff but then they can just close your account and not tell you why they closed it they're being very vague they said some rule was broken but they won't tell me what it was no one seems to know what it was so how do I know it's not a mistake anyway I would like to know the reason why they close my account.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I payment was made in the amount of {$300.00}. The {$300.00} has cleared my bank but has not shown up reflective on my account. In calling on XX/XX/year>, XXXX and talking to XXXX XXXX she informed me that even though my bank has cleared the money, which is reflective of the payment, due to me paying {$300.00} toward the card, they are now holding on to the money for 26 days because of a high payment toward card balance? So now I have {$300.00} paid to them which is not reflective and will not be for 26 days because I paid a high amount? Surely this is a violation of some kind as there is nothing I can do to request an override or anything. Like the money is not accessible to me. After accepting the payment.