davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (FL)

I took out this credit card XX/XX/XXXX with SELF ( Southstate Bank ) to " help '' build my credit as they advertised they report to all 3 credit bureaus. This self credit card is attached to a " credit builder '' account which they make you pre pay {$500.00} to use this credit card in XX/XX/XXXX, which I paid. Yet you still have to pay the credit card off at end of each month at 29.9 % interest in addition to them holding the {$500.00} as the credit limit was {$500.00}. I've made payments on time for two years now & paid this credit card in full every month & they've increased my credit limit to {$820.00} from the original limit of {$500.00} in XXXX yet the interest rate is still 29.9 %. So far I've paid in total for last two years more than {$1000.00} to use this credit card. {$550.00} in total towards to credit builder account this year as $ XXXX autopay pymts they collected since XX/XX/XXXX. They also charged me another {$50.00} on XX/XX/XXXX to use the credit card for XXXX. And they got {$500.00} in XX/XX/XXXX towards the credit card to use it. They tell you that you'll get the {$500.00} back XXXX of XXXX but they DON'T give it back to you if you still want to use the credit card. When I wanted to close credit card & credit builder account they are refusing to give me back the {$1000.00} I paid even though my credit card is paid in full presently. They say they refund the {$500.00} yet on XX/XX/XXXX I was told I can not get the {$500.00} refunded if I still want to to use the credit card. Recently a merchant refunded me $ XXXXXXXX XXXX XXXX yet it doesn't reflect on my c. card. Customer service is horrible, they simply lie to you & if you need to dispute a charge, they DENY it & make you eat the cost. I DEMAND the entire {$1000.00} I've paid to use this card for two years AND have also paid off the credit card each month in full. This is a corrupt bank & there's many complaints about this with XXXX & they've got a XXXX star rating on trustpilot as a result of them refusing to refund the $ when you close the credit card. The app doesn't allow you to take screenshots at all.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NV)

Dear XXXX, I am writing to dispute inaccurate information on my credit report under 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). This law states that if a consumer refuses to pay a debt or wishes the debt collector to cease further communication, the consumer must notify the debt collector in writing. Upon receiving this written notice, the debt collector must stop all further communication with the consumer. Additionally, debt collectors generally can not communicate about the debt with third parties.

I have attached documentation from Citibank CBNA confirming that they could not find the account number related to me. This account never existed, and therefore, it must be removed from my credit report. 

Please remove the following account from my credit report : CitiBank CBNA Account # : XXXX Additionally, I request the removal of other incorrect items : XXXX account # XXXXXXXX XXXX XXXX Account # : XXXX An auto entry showing in XXXX with the date XX/XX/year>, which I have never owned. 

Please validate these inquiries or remove them from my report. I previously raised this issue, but the response from the Consumer Financial Protection Bureau ( CFPB ) did not satisfy me or comply with the laws. 
I request that you investigate this matter and provide written confirmation of the removal. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I need capital One to return all funds paid electroncally this is my final notice before I start The court proceedings I must remind capital one starting a court case is free in the united states im fully aware of my rights and no adqeuate consideration was given in this consumer credit trasactions also respond to me in writing sign it under penalty of perjury as well you can reach me at XXXX XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX this not a joke this is MY LIVELIHOOD
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

XX/XX/XXXX I noticed XXXX bankruptcies was reinserted back on my credit report with XXXX. I disputed it last year in XX/XX/XXXX and it was verified that XXXX XXXX which is their furnisher did not have any bankruptcies on my consumer report with them. XXXX deleted all XXXX off of my consumer report. They are in violation of the FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy, Duties of furnishers of information to Consumer Reporting Agencies. also 15 US 1681e Accuracy of Information.. Also Equifax has so many inaccuracies in reporting accounts number, date of opening accounts, dates of last activities and amounts and also inaccurate personal information ect. I am also uploading the copy of showing absent credit reports from XX/XX/XXXX thru XX/XX/XXXX. I am requesting {$1000.00} per inaccuracies from XXXX. Experian and XXXX is also reporting inaccurate information such as the dates reported, the amount, the date opened the status ect. All three Credit Bureaus are reporting inaccurate information on my consumer report. FCRA Law states that as a consumer we are to have an accurate consumer report with all three credit bureaus, with all of them stating the exact same thing reporting.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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, DPT ED/XXXX # XXXX, DPT EDXXXX # XXXX, DPT EDXXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  XXXX XXXX, DEPT OF ED/XXXX # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  XXXX XXXX, DEPT OF ED/XXXX  # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  XXXX XXXX, DEPT OF ED/XXXX # XXXX XXXX DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX  XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  # XXXX, DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX XXXX XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX LOAN SERVICES # XXXX XXXX XXXX LOAN SERVICES # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX LOAN SERVICES 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  # XXXX, has violated my rights. 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 2018-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

While reviewing a copy my credit report, I discovered that IC System Inc has reported a collection on my credit report. I do not have any knowledge of an account with IC Systems or any company they may be  collecting for. The company listed on the report says XXXX XXXX. I do not have any accounts with XXXX. IC System Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$140.00} and have failed to notify me of the debt or verify if it is accurate.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Experian, XXXX and XXXX are in violation of 15 U.S. Code 1666b. As per the law, the following is in the statute.

( 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.

All 3 are listing the following accounts as late or charged off, which are false and a violation of 15 US Code 1666b and 15 USC 1681 b ( 2 ) After repeated attempts to get this fixed, these 3 are taking now over 5-6 months to complete an investigation that should be completed within 30 days as per the law
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I entered into a loan consolidation with my credit union ; XXXX XXXX XXXX XXXX to pay off several credit cards. One card was XXXX  and it is managed by XXXX XXXX XXXX. This card was paid off for the amount due at the time of the consolidation loan which was {$810.00} on XX/XX/XXXX. The check was cashed by them on XX/XX/XXXX and they closed the account on XX/XX/XXXX. They have continued to add charges to the balance which is now {$1300.00} and have reported it as a charge off on my credit report. I have made numerous phone calls attempting to resolve this and each time I am told to send the information to XXXX which I have done now three times. They will not give me a phone number to contact this back office and they have not responded to my emails. Each email has had the cashed check copy attached but they refuse to acknowledge me or their mistake. This false credit item is damaging my personal credit score. The only phone number I have is XXXX and they will not give me a phone number to contact their " back office ''.
Consumer complaint received 2023-06-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.
Consumer complaint received 2024-06-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc. (SC)

For almost a year, my monthly mortgage payment was {$1500.00}. However, the new payment they are asking for is {$1900.00} a month. I am on a fixed income and I told them that I can't afford it. They transferred me to the loan origination department, but no one answered and I had to leave a message. No one has gotten back to me yet, and they keep saying that my escrow is low. I fell behind on my payments after my XXXX XXXX death, and I had an agency help me catch up on my payments, including my escrow account. I also had to do some work on the house. They wanted to keep the check and said that I was still behind on my escrow, which I don't understand since the agency caught up on everything. My mortgage payment went up from {$1500.00} to {$1900.00} because of escrow payments and insurance. I am a veteran and am tax-exempt. The only thing I pay for is staying close to the XXXX XXXX, and I have XXXX elementary schools close to me. 
date XX/XX/XXXX when the agency caught on my late payments XX/XX/XXXX got the check from my insurance company to repair the XXXX unit they wanted to keep the check because of escrow XX/XX/XXXX talk about the increase in monthly payment the loan company is BSI financial company.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

I deposited a check given to me from my aunt with a teller at my bank, Wells Fargo. Wells Fargo then froze my account, claimed the check was fraudulent and my account is now pending being closed and I have no access to the funds in the account, totaling {$65000.00}. 

This check was not fraudulent and my aunt called and cleared this check with her bank, XXXX XXXX XXXXXXXX. There is NO HOLD ON THIS CHECK from XXXX XXXX XXXXXXXX. Unfortunately my aunt passed away before being able to obtain a notarized letter from XXXX XXXXXXXX XXXX. However I have provided bank statements showing this check amount has cleared from the account, as well as a statement showing I am listed as her XXXX 

Wells Fargo has frozen my main bank account and made it unusable. I am the XXXX for my aunt 's XXXX XXXX XXXXXXXX account. This process of being able to obtain the notarized letter myself will take anywhere from 3-5 weeks due to probate court. My Wells Fargo account will be closed in 10 Days because of this check. This is where I get my paycheck deposited, pay bills, etc.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 2024-08-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (VA)

# XXXX On XX/XX/XXXX RENTDEBT AUTOMATED COLLECTIONS.LLC responded back a complaint I had submitted. On XX/XX/XXXX XXXX XXXX XXXX XXXX of Compliance for XXXX Automated Collection llc stating : Ms XXXX account was placed with RDAC for collections on XXXX XXXX with a balance of {$8600.00} Violations Section XXXX ( a ) ( I ) ( B ) XXXX ( d ) XXXX XXXX XXXX When this account was sent to XXXX the balance was XXXX XXXX XXXX also stated that on XXXX XXXX XXXX mailed a letter to her last known address : under section XXXX and it was not returned as undeliverable I vacated the until XXXX, XXXX XXXX no fix address homeless. 
Whoever, The program XXXX under which is XXXX XXXX XXXX XXXX have procedures, and one of the is the tenant has to make arrangements to continue the program : from XXXX XXXX I got in contact with rent debt automated. And riverside manor had my contact number and forwarding address And XXXX XXXX stated that on XX/XX/XXXX ms XXXX account was reported to ( XXXX ) major credit bureaus another violation This account was reported on XXXX XXXX And I was told that because I made payments arrangement this would not affect my credit. This account was placed on my account knowing it was inaccurate. 
Also the transaction date is inaccurate on bth letter XX/XX/XXXX and XX/XX/XXXX? 
I wasnt aware of my consumer right and nor where they exercised to me. I made a payment of {$120.00} that how the amount balance was {$860000.00} False accusations and misleading of consumer rights XXXX seeking damages and removal of this account from all credit reports bureaus
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NC)

My mortgage company changed from Specialiezed Loan Servicing Mortgage to Newrez LLC dba Shellpoint Mortgage Servicing on XXXX XX/XX/2024. My first payment with Newrez Shellpoint drafted on XXXX XX/XX/2024, the first business day after XXXX XX/XX/2024, exactly as I set up my payments. Then on XXXX XX/XX/2024 Newrez Shellpoint drafted another payment of {$1000.00}. I did not instruct the company to pull this payment. I called on XXXX XX/XX/2024 and the company representative said that an additional payment was drafted in error and they would refund the money. I received a refund on XXXX XX/XX/2024. That's almost two weeks I went without {$1000.00} of my money due to " an error '' on the part of Newrez Shellpoint. A refund is not sufficient as I should not have lost access to that money in the first place. I believe I deserve additional monetary compensation from the company.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE BANKSHARES, INC. (MN)

This has been an ongoing problem with Bell Bank, XXXX, Mn. My math does not match theirs. I have had to change banks. My representative payee put the money in Bell Bank again when I asked her not to. Today the balance at Bell Bank was {$530.00}. My balance is {$650.00}. I keep a daily record of my purchases and balances. Because I suspect someone is trying to steal my debit card. But when I've called the bank the charges are the same as my records. So I think it's the bank.
Consumer complaint received 2024-04-03
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Strategic Financial Solutions, LLC (GA)

I have never heard of XXXX XXXX XXXX until today and I have been paying them fir six months. I have heard of XXXX XXXX XXXX and XXXX XXXX, but today I learned of the name of the company involved in my law suit. I now have to pay the monthly debt consolidation amount of XXXX and, apparently, the settlement amount of $ XXXX within 2 years to XXXX,, totalling {$1100.00} per month.. 

How is this debt consolidation? Upon calling they kept talking in circles until I gave up.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (SD)

Since XX/XX/XXXX I have contacted Barclay Fraud service by phone and with letters. I've asked them to send me a copy of the fraudulent application for a XXXX  credit card. They told me to send a letter asking for the application and to include copies of photo ID, so number, my address etc. I did this XXXX weeks ago. I called Barclay again today to hear that my case wasn't in the system. The case number is ID XXXX. I don't understand why they won't provide this as it is necessary to have this proof to take to the police for an identity theft report. It's been a month. Help. Thanks
Consumer complaint received 2018-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C. (IL)

This company keeps calling me and I do not owe them any money. I spoke to them and told them my name, I live alone, and that I am elderly. I asked them to stop calling but numerous times per day they call. The number that appears on the caller ID changes so I do not know if this is a scam but their harassment needs to stop.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Denefits LLC (NY)

I am to formally express my concern regarding a recent experience I had with XXXX XXXX. I was under the impression that the services provided to me would be covered by my insurance, as confirmed by XXXX XXXX, who assured me that all bills would be forwarded to my insurance provider. 

However, despite this assurance, my insurance has declined coverage for the services rendered during my extended treatment, which was initiated based on the understanding that I would not be held responsible for these charges. This situation has placed me in a difficult position, as I had relied on the commitment made by your office. 

I would appreciate your prompt attention to this matter and hope we can resolve it amicably. Please advise on how we can proceed to address the discrepancy between the information I received and the subsequent denial from my insurance. 
Then the 3rd Party company responded back with this communication : Hi XXXX XXXX XXXX, We at Denefits are reaching out to you regarding your Denefits LLC Contract ID : XXXX. 

We have repeatedly requested payments for your overdue contract with XXXX XXXX XXXX 

We might file a lawsuit against you for the above mentioned debt, it is hopeful that a mutually accepted resolution outside of a public filed litigation can be achieved. It is in the best interest of both parties to resolve this matter as soon as possible. 

We are even ready to offer you a settlement deal with a huge discount to further close this contract and moreover we will help to remove all negative reporting from the credit reports for this contract. 

Your total balance remaining on your contract is {$2000.00}, however we are ready to settle this for {$1500.00} However, in the absence of a reply from you, We might be forced to forward this to our legal team to initiate legal proceedings against you to recover this debt and update as refusal to pay to Credit bureaus. 

Looking forward to hearing from you positively as soon as possible! 

Please reply here or contact XXXX XXXX at ( XXXX ) XXXX between XXXX XXXX  to XXXX XXXX  PST. 

Thanks and Regards,