davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NJ)

I have XXXX collections on my credit report XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I never signed into a contract with any of the 3 collection agency and I don't owe any debt that they are attempting to collect on and also neither of the 3 is Licensed and Bonded to do any business in the state that I am living in so how is they reporting anything on my credit report this is a violation of my rights
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XX/XX/year> XXXX I have previously requested that my original documents be mailed to me, but I have yet to receive a response or the documents themselves. I am still awaiting a response to my request.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

XX/XX/year> My debit card was compromised from XXXX. Right away few purchases were made to the point the bank contacted me to verify transactions being done online for XXXX. I reached out to the bank and I verified the transactions and made them aware I lost my card. A claim was made, few of them were paid except to XXXX for XXXX and XXXX. In the area, I reside is where I make purchases usually. There is no XXXX in my area I have not used XXXX in over XXXX  years. Citizens bank decided to close the claim without providing me a valid reason no letter. I called them to repeat myself that my card was stolen and I verified already the transactions that were mine and wondered why the last XXXX transactions for XXXX and XXXX were not reimbursed back to me. This is getting very frustrating with these banks nowadays refusing to protect consumers accounts. I want my money back
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING has failed to validate that this account is reporting with maximum possible accuracy per the FCRA. Despite my several attempts through the credit bureaus and collection agencies to have this account validated, I have not received a response. I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found related to my credit profile and unverified accounts. 

How can a dispute be resolved if the customer disagrees? Who resolved the disputed account? No reasonable procedure was performed, and it is a violation of my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately. 

This company has violated FCRA 623 ( a ) ( b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed the account below ). 

605 ( c ) running of the reporting period has also been violated, as the date of last activity on this account is inaccurately reported. It should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account, further violating FDCPA 809 ( b ) per the FTC opinion.
Consumer complaint received 2024-06-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Tried closing a {$100000.00} CD at Huntington bank in XXXX XXXX Mi. Contract states XXXX  percent interest rate for 14 months with Apy of XXXX. XXXX is {$6000.00}. XXXX will only pay {$5900.00} which is only XXXX percent. They are not compounding the interest that is accredited to the account every 3 months. By law all banks are required to use XXXX when comparing interest rates. I believe Huntington bank is committing fraud on its depositors by not using XXXX as stated in their contract.
Consumer complaint received 2024-02-07
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: EQUIFAX, INC. (IL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (AZ)

The last week of XXXX when I was getting ready to move to a new residence, I attempted to cancel the {$290.00} unlimited monthly membership with Coinbase, since I was not going to be trading much past XXXX. The membership should have only been {$29.00} that would be automatically debited from my XXXX XXXX account ending in XXXX. The app kept giving me an error, so I had Coinbase call me and I stayed on the phone for almost an hour. The rep told me they can not alter my membership, that I have to do it on the app. I insisted that someone help me since the app was giving me an error. So, I was under the impression that after my phone call my membership was adjusted. The bank account I use for this trading account is only for this Coinbase usage, so I was not paying attention to any charges, since there shouldn't have been any other than the XXXX trading transactions and the $ XXXX. Today, when I checked my account and emails, I noticed I had been charged {$290.00} per month for the past 3 months, and that the phone agent back in XXXX didn't complete the plan change. So, I went on the Coinbase app, which I hadn't been on in months, and noticed I still had the unlimited plan. I then canceled it myself and called Coinbase. I stayed almost another hour on the phone, and the rep told me that they couldn't give me a " courtesy refund ''. I told her there's nothing " courtesy '' about it, and that it should have been canceled 3 months ago. She continued to say that there's nothing they can do to give me back the {$890.00} that was debited, but that she could cancel future charges. I told her that I already did that on the app and she said she didn't see that, so she put me on hold to check. Here we go again, I canceled and she wasn't even aware. This is an issue. So, she confirmed that I had lowered the plan and I told her that XXXX XXXX XXXX they won't do anything about the past month 's charges, and I disconnected the phone. Now, I'm filing a complaint through you, so that this can get resolved and refund given.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

Need copies of all initial applications, as to FCRA section 609 ( c ) requirements. Also sending the documentation showing the actions they have taken to protect my personal information as per Gramm-Leach -Billy Act. Status of each account and documents showing they were neither gifted nor abandoned
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

no resolution file since XX/XX/2024 turned over to FAIR XXXX REPORTING COMMITTEE..LEGAL Complaint HIRE ATTORNEY. Requesting damages due to inquires and being Denied by different companies XXXX showing on all denial notice received XXXX XXXX is aware FRAUD-ALERT. Been place on the account AFTER. speaking to XXXX XXXX REP. VERIFIED on phone stated no name showing on the accounts or payment history Shortly l received a letter in the mail from XXXX. XXXX DATED XX/XX/XXXX REQUEST ENTIRE ACCOUNT? s.attached below? No name shows on the letter REQUEST ENTiRE BILL.Which isn't considered accurate verification. SINCE XXXX XXXX XXXX XXXX XXXX XXXX. Is reporting twice on my credit report ... .all XXXX credit bureaus. requested. Money. Unable Verify? informations shown on the account l have been denied by different companies also inquiry besides effect credit considers fraud force collect money? XXXX that not owe Selling the accounts different. Collect XXXX who stated all information was received. From XXXX XXXX? Who's showing No name address ssn payments history.? ONLY PAYMENT SHOWS WHAT OWED? a printout.provided i XXXX. Rep phone conversation. complaintive companies do there own investigation .not the reportin companies attached information below
Consumer complaint received 2024-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

We have been attempting to progress our loan assumption as we sell our home and have repeatedly been lied to about timelines. Our closing has now been delayed twice. The first extension date was set specifically because Citizens told us that it would take 45 days to complete everything, but they were not able to even make it past the underwriter. On XX/XX/XXXX, we were told that the paperwork was with the underwriter and would be there for 7-10 business, but as of XX/XX/XXXX paperwork is still with the underwriter and we do not have an approval or rejection for our buyer. Over the last 45 days, both us as the sellers and the buyer have repeatedly called the customer service line, the representative that is in charge of the assumption and the XXXX of the XXXX Acquisitions department. They admitted that the process is taking " worst case scenario '' time at no fault to our buyer, but solely theirs, as " they are exploring every possible option to approve him, '' but will not share the purpose of they delay with our buyer. 

We began this process in XXXX, was told it would take three months, then six, then 45 days, none of which are true. The assumption paperwork has been with Citizens for over 80 days now, and the best time line we can get is 2-3 months. 

XX/XX/XXXX : Was informed that we did not actually start the loan assumption process in XXXX like we were originally told. Was promised an expedited process of 45 days. 
*Sellers called nearly 30 times between these two dates for updates. Buyer also repeatedly called and responded promptly to all their requests. * XX/XX/XXXX : 4 days before our new close date, was told that there was no way they would even have an answer from the underwriter by XX/XX/XXXX and that it would realistically take another 2-3 months. 
XX/XX/XXXX : 2 days before new close date, was told the underwriter was still needing more from the buyer and that they would attempt to send him the docs by email instead of relying on mail. Was told again it would probably be another XXXX months. 

Because of Citizens inability to process the loan assumption in a timely manner, we were not able to close on our current home or purchase a new home. We lost four potential new homes because Citizens refuses to work quickly and efficiently. If we are to put the home back on the market to find a new buyer, we would lose about {$35000.00}, as the market has dipped in our area. We currently have to pay our mortgage there and rent in a new area. We have been extremely transparent with Citizens about our new close date. The expectation was set from the beginning that we moved our closed date based off of what they said the timeline was going to be. They offered no form of compensation or even promised to move the process along more quickly, blaming everything on the underwriter.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TN)

Subject : Dispute of Late Payment and Request for Correction To Whom It May Concern, I am writing to dispute a late payment that has been reported on my account as follows : Account Number : XXXX I believe this late payment is being reported incorrectly and I am requesting that it be promptly corrected. My dispute is based on the following points : Legal Basis for Dispute According to the Fair Credit Reporting Act ( FCRA ) under 603, a consumer report should contain information solely as to transactions or experiences between the consumer and the person making the report. Late payments, being transactions, should accurately reflect the actual timing of payment and not include erroneous late payment notations that misrepresent my payment history. 
Nonpublic Information and Violation My nonpublic information, which includes the timing of payments, must be accurately reported by the creditor. Failure to do so constitutes a violation of the FCRA and negatively impacts my creditworthiness and financial reputation. 
Timing of Payments ( 15 U.S. Code 1666b ) Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment is received by the creditor in accordance with the creditor 's payment instructions. 
Request for Correction Given the inaccuracies and the legal requirements for accurate credit reporting, I request the following actions be taken immediately : Correct the payment history on my account to accurately reflect the timely nature of my payments. 
Remove any late payment notations from my credit report associated with this account. 
Provide written confirmation that these corrections have been made. 
Please investigate this matter and rectify the situation promptly. As per the Fair Credit Reporting Act, I expect this dispute to be investigated and resolved within XXXX  days of your receipt of this letter. Additionally, I request written confirmation of the corrections and an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

This is in regards to my Costco Citi Card. My wife has made every payment on time from XXXX until our last 2 billing cycles. Normally she uses the app on the phone with no problem, but then it stopped allowing her to log in. The 1st time, I was able to make a late payment and had late fee waived and created a new log in. The same thing happened again with the new log in, saying it was not correct info. I called and spoke to Citi service and tried to see what the issue was. They told me that the log-in we always used was removed due to inactivity, but it was how all our prior payments had been made without a problem. Even though they deleted my online login account and caused 2 payments for 2 successive bills to be late, they will not remove 2nd late fee or the hit to my credit as well as reducing our credit limit. This was caused by them, but we are the ones getting hurt.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (IN)

Robinhood Investment Account Money stolen {$14000.00} {$4400.00} transferred to XXXX ending in XXXX {$10000.00} transferred to XXXX ending in XXXX Neither of those cards are mine, all the money was stolen on XX/XX/XXXX, my account my locked by Robinhood and just gave me access back saying they will not help with returning of the funds Tried reaching out to Robinhood multiple times, they don't help and just close the case. They refuse to pick up my calls and assist with the case.
Consumer complaint received 2024-06-25
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: Bread Financial Holdings, Inc. (MA)

In accordance with fair credit reporting act, this creditor has violated my right under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USCS 1681 section 604 a section 2. It also states a consumer agency can not furnish an account without my writing instructions under 15 USCS 1666b a creditors ayen not treat a payment on a credit card account under an open end consumer credit plan or any late for any purpose
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (FL)

I never received a copy of the signed contract of this debt and also requested an itemized copy of the bill and was never sent. By law this is required per consumer request to validate the debt. Please send this or remove this debt from my name.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (AZ)

This is in reference of Google pay complaint responding to there message complaint # XXXX... The accounts that have been compromised are XXXX, XXXX, XXXX, XXXX, under XXXX they have alot of credit cards under Google pay that I have never been able to have access there was at & t phones that were financed under my name I have documents to prove it was fraud I have accounts that were hacked into .All together from all my Google accounts ( Google Pay ) that was fraudulently taken from me was XXXX dollars and these are all the accounts that were on my Google pay but had no access XXXX. I didn't recognized the devices that were in my Google accounts .I would say don't recognize and it would allow me to change password but the devices that were unfirmiliar kept appearing .I had no control over my accounts or my phone and just recently my husband 's debit card appeared in the Google pay app which I neither him nor I use Google pay and there wasXXXX dollars withdrawn from my husband 's debit card that was on Google pay XXXX He is trying to dispute with his bank as of this moment. I have filed a police report and filed and continued one and filed with the federal trade commission # XXXX the police report numbers are XXXX XXXX this has been so depressing and has put me in a financial bind and I can't even pay my bills or rent because my accounts have been fraudulently used.thank you for your consideration in this matter
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV FUNDING LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute Debt** Despite being approached by LVNV FUNDING LLC XXXX regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV FUNDING LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that LVNV FUNDING LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2023-08-28
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. (LA)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2024-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (VA)

I have took out a loan with Affirm INC on XX/XX/XXXX in the amount of {$600.00}. Affirm INC sold my account to XXXX XXXX with the balance of {$590.00}. I settled the account in full to XXXX XXXX on XX/XX/XXXX in the amount of {$350.00} via debit payment online. I have disputed the inaccurate reporting and settled in full information twice on XX/XX/XXXX. I have received the dispute results on XX/XX/XXXX with no changes being made to the reporting on XXXX. Affirm is currently reporting the account with an unpaid balance as of XX/XX/XXXX after disputing with the updated information of the XXXX  being settled in full with the third party agency, XXXX XXXX.
Consumer complaint received 2024-06-22
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. (NJ)

I am disputing XXXX XXXX  XXXX, this account is not mine and is fraudulent. They have also charged my personal checking account in which I also disputed charges with my bank. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.