davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I recently reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MS)

I am writing to file a formal complaint against Fair Collections and Out for placing an unauthorized collections account on my credit report. Recently, I received notifications from all three major credit bureaus indicating that this entity has reported a collections account under my name. 

I have never consented to any debt collection practices by Fair Collections and Out, nor have I entered into any agreement that would authorize them to report a debt on my behalf. Moreover, after conducting thorough research, I have found that Fair Collections and Out is not licensed in my state to engage in debt collection activities or to report collections accounts to credit bureaus1. 

The actions of Fair Collections and Out have caused me undue stress and have potentially damaged my credit standing. This is a clear violation of my consumer rights, and I believe it may also be in violation of state and federal regulations governing debt collection practices. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly. I am prepared to provide any additional information or documentation that may be required to assist in this investigation. 

Thank you for your attention to this urgent matter. I look forward to your response and a resolution that includes the removal of the unauthorized collections account from my credit reports.
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (NY)

XXXX XXXX is a utility company that provided my home with services. During the pandemic and after the pandemic this company was having billing issues. It is well documented and the bill that they are stating I owe is not accurate based on the inaccurate billing system. There is litigation on the matter and local laws were changed because of this utility company.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

I was out trying to purchase some things and my card declined so I tried to sign into my account and make sure my card was on. That was when I realized my account was XXXX so I called Chime. The XXXX told me I could get back into my account if I provided my social and pictures of the front and back of my ID. I told him how I only have the temporary copy of my license until it arrives in the mail and he told me unless I got it I wouldnt be able to have access to my {$50.00} that was in the account.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX XXXX {$1100.00} opened XX/XX/XXXX and closed XX/XX/XXXX reported XX/XX/XXXX. 
Jefferson Capital Syst XXXX {$1100.00} opened XX/XX/XXXX and reported XX/XX/XXXX. 
Both accounts are the same but are reporting twice on my credit report. Please remove both trade lines from my credit report.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (OH)

I've lost over XXXX filed a police report, and still haven't received any help, Starting XX/XX/XXXX my card was being used, which I had no knowledge of until XX/XX/XXXX when I got home due to being in XXXX for work. 
I've called them and asked to review this..I 've even attempted to reach out to the CEO of the company..here 's my evidence to help
Consumer complaint received 2024-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Opened a Checking account with terms of {$200.00} if I directed deposited {$2000.00} in 3 months. I needed to show physical ID to provide who I was. Bank Agent claims they can't find the application we go around fo XXXX and hour then they send me a new Applicaiton, I ask for terms i signed up. Agent claims that offer expired so I click thelink then look up the offer its good until XXXX, so I show the agent that they lied to me and I wanted tthe deal. Then they claim there is nothing they can do and I need to leave.
Consumer complaint received 2023-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one auto finances said that I was late 3 days on my auto loan last year however instead of added a late payment the next month or the current month of the so called late payment the company waited till XXXX of this year to add it on to my loan. I asked them to remove it and said they are not allowed to just add a late payment fee when they would like to and I was on the phone with a manager who acted like he did not understand English. I said it very plainly that you are not allowed to add a fee when you feel like it and that it needed to be removed but they have had more than enough time to remove it but they still have not remove the fee. This is not correct. I even went as far as asking if my account is on auto pay how did I even end up with the fee and he could not communicate that effectively as well. So since the manager acted like he did not understand what I was saying I simply asked for the late fee to be returned and he said he would have someone reached out to me and that was in XXXX of XXXX  and no one has contacted me yet.
Consumer complaint received 2024-07-14
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. (TX)

The Transunion Inquiries from XXXX XXXX XXXXXXXX are supposed to be removed, they are inaccurate due to the false communicate of their Banker XXXX XXXX, whom constantly product incorrect product information that myself and business were eligible to apply to and I was not eligible to apply to either one of them.
Consumer complaint received 2024-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

There was a collection on my XXXX  and all XXXX other consumer reports. File # XXXX on XXXX. That collection was removed on XX/XX/2024 by XXXX. On XX/XX/2024 it was put back on my consumer report on the same day Im in litigation with XXXXXXXX XXXX XXXX that I filed with you guys FILE # XXXX. As a consumer I have rights. This is not a coincidence since the banks are linked to these credit bureaus. They practice illegal tactics. I disputed this collection with XXXX  did the correct process. Did my legal litigation with them and preformed my dutys as a consumer. Through that process it was removed. 4 days later with no legal steps at the same time Im in a legal litigation with XXXX XXXX XXXX for this inaccurate collection that was removed. It gets put back on with no explanation. This is not right and unfair practices.
Consumer complaint received 2024-06-26
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: PRIMARY RESIDENTIAL MORTGAGE (MD)

I AM HAVING A TON OF ISSUES WITH A COMPANY CALLED : PRIMARY RESIDENTIAL MORTGAGE INC. 
I HAVE AN INQUIRY ON MY CREDIT REPORT FROM THIS COMPANY. IT NEEDS TO BE DELETED/REMOVED FROM MY CREDIT PROFILE. NOBODY WANTS TO HELP ME. I HAVE TALKED TO XXXX MANAGERS, NOT ONE OF THEM WAS HELPFUL. THE ONE NAME XXXX XXXX TOLD A BLATANT LIE. HER PHONE NUMBER XXXX SHE TOLD ME THAT THE ACCOUNT WAS AUTHORIZED WHEN I'VE BEEN TELLING THIS WOMAN FOR XXXX CONSECUTIVE DAYS THAT I DID NOT DO THAT. ANOTHER ONE NAMED XXXX XXXX ( NOT SURE ABOUT SPELLING ) SHE IS THE WORST. HER PHONE NUMBER IS : XXXX XXXX AND SHE SHOULD NOT BE A XXXX. 
BOTTOM LINE -- -- -- -- -- -- -- -- -I NEED HELP!
Consumer complaint received 2024-07-14
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. (IL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX ending XXXX 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 on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO Bank, N.A. (CA)

BMO and XXXX have consistently lied to the CFPB about their shocking accounting irregularities, XXXX " customer '' service, XXXX XXXX, XXXX XXXX running their show, and ruination of a once-proud institution, Bank of the West. They were supposed to offer a seamless transition in service, maybe a change of account numbers, we could sit back and let their pro 's do a XXXX XXXX  concierge-type hand-off behind the scenes. According to the puff pieces they mailed us en masse. 

Reality is they started blowing it from day XXXX in early XXXX. They claim to the CFPB they started servicing this loan in late XXXX, 2023. No, they started blowing up the train tracks in early XXXX, as shown on our HELOC worksheet record of our payments, drawn from our bank account records. 

BMO and XXXX have conspired to defraud XXXX and myself of at least {$1000.00} remitted in principal payments in 2023. Both organizations have submitted fraudulent Form 1098 accounting to the IRS, and to the CFPB.
Consumer complaint received 2024-06-26
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: Affirm Holdings, Inc (FL)

Affirm has inaccurately reported two payments as late to XXXX. I have provided two screenshots depicting both payments were made on XX/XX/year> - not XX/XX/year> as they are inaccurately reporting. They ignore my numerous requests and I have been unable to resolve this issue.
Consumer complaint received 2024-06-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (FL)

I originated a Plus Membership account with SamsClub membership in 2020. Somehow, Sams Club partnered with Synchrony since I became a member. 
I attempted to speak to the CEO of Sams Club regarding the way Synchrony is conducting their business but there is no way to speak to a CEO. So here is my concern : I pay my bill sometimes twice a month and many times more than the minimum payment. Yet despite my payments, I have been charged late fees.. On the XXXX statement, it shows a late fee of {$29.00} However it also indicates a payment of {$50.00}. 
Then again in XXXX, I was charged a {$40.00} late charge Yet posts show my payments XX/XX/XXXX, {$50.00} XX/XX/XXXX, {$50.00} XX/XX/XXXX {$40.00} late charge XX/XX/XXXX {$40.00} late charge All of the above is an accounting issue. NEXT! 
I received a message in my email that there was a message from Sams Club When I opened up my account a message popped up that I needed to call customer service. I called Customer Service and the 1st thing they say is in order to speak to me, they must verify who I am and they ask me for my name and the last 4 digits of my social security. I give them that information and then they infom me that they would send a link to my phone that I must do a video of myself. I told them that I did not wish to expose my image over the phone, or the internet and then they said I would receive a letter where they would require additional documentation like a copy of my drivers ' license, I told them that I would be willing XXXXo drive to Sams club and personally show them my drivers license but they said that club has nothing to do with the credit department. But it is sams club that initiated the credit. Had I known Synchrony bank or a third source would be handling my account, I would have not applied. 
I feel like they are infringing on my privacy by trying to force me to jeopardize my physical identity over the phone, internet or mail. They already authenticated me by asking me my name and last 4 digits of my social security number. It is my belief that sending this information is risky and because I refuse to do this, they refuse to discuss why I am being charged late fees. And Further they have stopped my purchase.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (FL)

Ive had a nightmare scenario since XX/XX/XXXX in trying to become a RobinHood customer. Ive spend many, many hours chasing my tail. Ive had partial acct transfer-ins rejected due to mistakes on both XXXX and RobinHood end ( had to retype all 20 positions manually 3 times ) and I just had my acct restricted for reasons they cant or wont explain. This restriction has been for 6 days now and I cant trade or access my own funds! And the transfers-in Ive been attempting got rejected AGAIN because of the restriction.

Nobody at customer service appears to be empowered to actually explain whats going on or fix problems. I have chatted, called, and emailed with them without responsiveness or any real help. 
Im at my wits end and beyond frustrated. I want to pull all my money out but Im even blocked from doing that! AS OF TODAY ( XX/XX/XXXX XXXX XXXX  ) I CAN NOT ACCESS MY OWN FUNDS BECAUSE OF THE UNEXPLAINED RESTRICTION PLACED ON MY ACCOUNT.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-26
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Shellpoint Partners, LLC (AZ)

Dear XXXX  XXXX, I am writing to address an issue with my mortgage account, which has unfortunately led to a negative impact on my credit report. I appreciate your attention to this matter and hope for a resolution that reflects the extenuating circumstances I have experienced. 

In XXXX, I was diagnosed with XXXX XXXXXXXX XXXX. This diagnosis and subsequent treatment have significantly XXXX XXXX XXXX and ability to manage some of my personal affairs. As a result, a payment for my mortgage was returned due to insufficient funds. Upon realizing this error, I promptly contacted your customer service team. I was informed that my account was not late, which led me to believe that no immediate action was required. 

Regrettably, despite this assurance, my account was reported as 30 days late. This is the first and only late payment on my credit report. Additionally, I did not receive any late payment notices or calls. I also sent a message through your website in XXXX but did not receive a response through my preferred method of communication. 

While I acknowledge my oversight, I believe the circumstances surrounding this situation and the incorrect information provided to me by your customer service representative contributed to this unfortunate outcome. I respectfully request that you consider removing the late payment notation from my consumer credit profile. 

This adjustment would not only help me during a challenging time but also reflect the commitment of XXXX to support its customers through unforeseen hardships. I appreciate your understanding and consideration and look forward to your favorable response. 

Thank you for your time and attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2024-06-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank has frozen my checking and savings account with zero warning or communication.

I asked to speak to a manager after speaking with 2 representatives.

They informed me I will need to speak to the Bank OPS team which is only open M-F It was after XXXX XXXX  when they were CLOSED that they locked my account forcing me to go without access to my money. 
I have rent to pay and a child to feed and this is completely unacceptable. 
I need my accounts unfrozen asap!
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (VA)

I have 2 problems with my bank.

My 1st issue is I have a dispute I had placed on my account for a charge that was authorized by XXXXXXXX XXXX XXXX around XX/XX/XXXX around the time all my identity was stolen from my place. XX/XX/XXXX ( 5 Months Later ) I get a charge on my bank account for {$6800.00}. I have no bills from them I had no calls from them. I simply received a charge with no explanation. I call Citibank to file a dispute over the charge and they say nothing but continues to hold a charge of {$6800.00} on my account as a result of identity theft. 

My next issue XX/XX/XXXX I had a random {$5000.00} from XXXX XXXX  which is a company I deal with from time to time. I immediately called XXXX XXXX to see why I was getting charged and they told the charge belonged to someone by the name of XXXX and that they could not reverse it. That I had to call the originator to reverse it. 
After several failed attempts I called my bank. I filed a dispute and it took my bank 5 Months to investigate and return my funds on XX/XX/XXXX and close the case. 

2 Months later Citibank goes in my account and debits me {$5000.00} on XX/XX/XXXX taking the funds back from me again. 
I then called Citibank to see what happened and the informed me that XXXX XXXX says they gave it back to me. Which I never received anything and they gave me no proof. I'm really tired of being taken advantage of from my financial institution. My account is overdrawn and facing closure after 4 years of good banking due to these unresolved disputes.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Portfolio Services, Inc. (OH)

I am writing to follow up on my initial complaint filed on XXXX regarding ongoing issues with Consumer Portfolio Services , Inc. ( CPS  ). Unfortunately, CPSs response dated XXXX did not adequately address my concerns, and I believe their actions continue to raise serious issues regarding consumer protection laws.

Despite my previous complaint and subsequent correspondence, CPS has failed to provide satisfactory responses regarding several critical discrepancies with my account : 1. Maturity Date and Payment History : There are discrepancies concerning the maturity date of my loan, which was originally stated as 72 months ( including approximately 5 monthly extensions ). CPS has since extended the maturity date to 132 months, attributing this to the Simple Interest nature of the contract. However, this extension of an additional 60 months lacks transparency and appears to be predatory. The additional extension of 60 months was not disclosed.

2. Amount Owed vs. Settled : CPS has not provided clear information on the total amount collected during the life of the loan, despite my specific request for transparency in this regard. Per the attached payment history CPS has it recorded as my next payment due date is XXXX XXXX. Resolution Requests : My initial request to CPS remains unaddressed, specifically : Immediate settlement of the account in full. The Lien Release has not yet been received. 
Removal of all negative entries from my credit reports with all three major credit bureaus. This is still being reported on my credit reports as closed and settled for less than owed.