davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <XXXX XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXXXXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX ) ( XXXX, CLOSED ACCOUNTS <XXXX  XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXXXXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. following the Fair Credit Reporting Act convergent XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (NJ)

DRS has been reporting this collection information to all three of the major credit bureaus ( XXXX, XXXX XXXX XXXX ) as unpaid. I never entered into a contract with DRS. After numerous attempts- they have failed to provide me with proof of required information about the debt. 

Reference # : XXXX Pin # : XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (WI)

On XX/XX/2023 I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer report : XXXX XXXX XXXXXXXX acct # XXXX Resurgent Receivables LLC acct # XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX, XXXX, XXXX, pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 

Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''. 

Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. 

On XX/XX/ I sent a letter to all 3 consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. XXXX and XXXX both came back with my personal information being validated. The incorrect is as follow : Names Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX I also asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX was removed/Deleted from XXXX but not XXXX and XXXX meaning the information on my consumer report is incorrect. 

XXXX XXXX XXXX XXXXXXXX was removed from XXXX but not XXXX and XXXX meaning the information on my consumer report is incorrect. 

Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I had a promotional balance expiring on XX/XX/2024. On XX/XX/2024 I called the credit card company to make a payment towards the promotional balance. The customer service rep told me in clear terms that since we were within the 30 day period before the promotional balance ended, any payment made would automatically be applied towards the promotional balance. My intention was to pay roughly half of the promotional balance on XX/XX/XXXX and then the remainder on XX/XX/XXXX. I NEVER pay by phone, always online. I specifically made the phone payment and told them to apply to the promotional balance. They did not object and said it would be applied automatically. 

On XX/XX/XXXX, I logged onto my account to make a payment only to see that my previous payment had not gone towards the promotional balance as I had specifically requested and been told that it would. I called the credit card company to inquire as to why it did not and to make sure they corrected the issue. The rep told me that they could not do that and that only the amount of the payment above the minimum payment would apply towards the promotional balance. The rep I spoke to on XX/XX/XXXX specifically told me that prior to the 30 day closing period before the end of the promotional balance, excess payments go toward the promotional balance. However, once you are within the 30 day period ALL payments go toward the promotional balance. 

I asked to speak to a supervisor and was given many excuses for why they were unable to get me to a supervisor. I was put on hold for 30 minutes until they disconnected me. 

These practices are downright predatory and fraudulent.
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. (SC)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$360000.00}.
Consumer complaint received 2023-11-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Dear CFPB, I am writing to submit a formal complaint regarding my recent mortgage experience, which has left me deeply dissatisfied and concerned. The issues I encountered relate to Citizens and their handling of my mortgage application and closing process. 

Unexpected Payment Increase : On the day of the mortgage closing, approximately an hour and a half into the process, I was informed that my mortgage payment was going to increase by over {$400.00} per month. This unforeseen and substantial increase was both shocking and distressing, especially after going through a nearly four-month mortgage application process. At no point during this extensive period was I made aware that such a significant change in my monthly payment was even a possibility. 

Lack of Transparency : I was clear from the beginning about my budget and financial constraints. This increase came as a complete surprise and left me feeling deceived and uninformed. Had I been aware of this possibility in advance, I would have explored other lenders and their offers to make the most informed and responsible decision regarding my mortgage. I was presented with a mortgage only option and encouraged to stop shopping to avoid losing out on a lower rate that fit into my budget. 

I am seeking your assistance in addressing these issues and ensuring that my rights as a consumer are protected. I request a thorough investigation into the practices of Citizens and that appropriate actions are taken to rectify the situation. I would like to explore potential solutions that align with the original terms and my budget. 

I trust that the CFPB will take my concerns seriously and work toward a resolution that upholds the principles of transparency and integrity in lending. Your prompt attention to this matter is greatly appreciated. 

If you require any additional information, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (GA)

I'm accordance to fair credit reporting act my privacy have been violated 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 instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-01-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (FL)

XXXX XXXX XXXX XXXX  CREDIT COLLECTION SERV Open options Account # : XXXX XXXXXXXX XXXX XXXX XXXX Open options Account # : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. You MUST provide me a WET INK signature or I'm forced to take legal action against a company that falsely attempting to collect a debt I don't owe them.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P. (TX)

selling the debt to a new collector generally can not restart the statute of limitations itself. Here 's the breakdown : The statute of limitations is a set time frame after which a creditor can no longer sue you to collect the debt. Selling the debt does not change the original default date that started the statute of limitations ticking. Your Actions Can Restart the Clock : Even with a new collector, if you make a partial payment, agree to a repayment plan, or acknowledge the debt in writing ( in some states verbally too ), you might unintentionally restart the statute of limitations. New Rules and State Variations : Some states and federal regulations offer specific protections. For instance, Texas has laws preventing debt buyers from restarting the clock through your actions on time-barred debt. XXXX XXXX XXXX The statute of limitation bars the collection of this alleged debt and the original date of default is incorrectly being reported to the credit bureaus.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$7000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (AZ)

I signed a legal contract with a merchant to purchase goods and paid them through PayPal. I have a copy of the signed, legal contract with both my signature and the merchants. The merchant then stopped contacting me and is refusing to refund my deposit, which the contract states is refundable. The deposit was in the amount of {$500.00}. When I reached out to PayPal, they were unwilling to file a report to open a claim on this scam. I also contacted my bank, XXXX XXXX, who also refused to open a claim because it was a payment made from a bank transfer. XXXX illegally disclosed information to me about the merchant, such as their banking institution and account number. I did not do anything with this information, but I need someone to open a dispute about me losing {$500.00} even though I have a signed legal contract with the merchant. No one has been willing to open a dispute for me, claiming that the type of transfer is not insured even though it was through PayPal.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

Hello, I have information that may help your case. I read an article by XXXX XXXX " Banking While XXXX ''. I too was discriminated against while trying to cash a check at Wells Fargo. I think this incident may establish a pattern of XXXX and/or an environment of XXXX XXXX check cashing policies and procedures. I have an XXXX in XXXX and a XXXX in XXXX XXXX ( XXXX, XXXX ). I interned with XXXX as a XXXX XXXX. All of my checks were direct deposited into my Wells Fargo checking account except for the last one. At the time XXXX 's payroll checks were drawn on a Wells Fargo account. I went to the Wells Fargo branch on XXXX XXXX and XXXX XXXX in XXXX, CA to cash my check. I was on my way to the gym so I was wearing sweat pants and t-shirt ( apparently I need to wear a suit and tie when cashing my check ). Everything went fine as I was attempting to cash my check, the bank teller was very kind and polite. He informed me that he needed to obtain approval from his supervisor because of the size of the check. His supervisor, a young Caucasian women, looked at me in disbelief and proceeded to give me the fifth degree line of questioning. She asked if I worked for XXXX twice, if it was a real check, what I did for them ( she didn't believe that I was a XXXX XXXX - I am XXXX and XXXX American and apparently XXXX would never hire someone of my XXXX background ), where I went to school at, what I majored in, she even asked if I was a janitor, etc. I have never been treated like that while I was trying to cash my own check or any check by that matter. To this day I am still infuriated by that experience. I almost dropped out of school because of that experience ( I thought what good is a degree if I can't even cash a check from my employer ). When I went to cash my check I had the XXXX envelope addressed to my house, I had an account with Wells Fargo, I had a valid driver 's license, the check from XXXX was issued by Wells Fargo. It was unbelievable. If she would have bothered to look at my account history she would have seen six direct deposits from XXXX into my account. Eventually, after about 10 minutes of questioning, she went and got the bank manager who took one look at my account and cashed my check and apologized. I tried to file a complaint with Wells Fargo corporate office, but I was basically given the run around. I don't know if XXXX still banks with Wells Fargo but I know they wouldn't be too pleased to learn that they are doing business with an organization that supports these practices. I would be more than happy to testify in this case or support this case in any way that you think would further Mr. XXXX 's cause. Please feel free to contact me if you have any questions. 


Thank You, XXXX XXXX XXXX XXXX Date of occurrence : XXXX Check 1 : {$1400.00} Check 2 : {$430.00} Tried to pursue recourse with Wells Fargo complaint department. No action was taken by the offending company.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (LA)

On XX/XX/year> I paid {$950.00} to my XXXX XXXX. Since the account is a rewards credit card I decided I'd like to use it to pay all my bills each month. So, I took the money for my bills and paid it on my mastercard to create room to pay my bills this month. The money was withdrawn from my XXXX XXXX Checking account and XXXX sent me an email to let me know they received and posted my funds. But despite this my available credit didn't update. I should have roughly XXXX of available credit to use, but it's only showing {$56.00}. I called XXXX, because it does not clearly state that the funds could be held for weeks. Not immediately available is not the same thing as telling a consumer that it could be held for 3 or more weeks. I've looked in reddit forums and have located extensive discussions about this bad practice. I believe that XXXX is using under handed tactics to hold on to funds without delivering it back to the consumer. No other credit card company I have does this. I was told because my account was less than six months old is why this is happening. At the time of payment it doesn't not specify this and if it had I would have never used XXXX for my monthly bills. I would have taken my business back to XXXX XXXX. I believe this practice is deceitful and the information being left off is done so to disuade people from not making payments. I fully believe that I have a legitimate case and could easily pull together a class action lawsuit with the rest of the people that have left comments in the reddit forums. I've never seen this many complaints about the same issue. 

I then requested my money back so I could pay my bills since XXXX intended to hold my money for weeks to months. I couldn't wait that long to not pay my bills. I was told that the only way to get my money back was via a paper check that might take 2-3 weeks to arrive despite my paying it electronically. Moreover, XXXX is one of the largest digital currency makers in the world yet a paper check was my only recourse. I eventually accepted the paper because it was actually faster than getting my funds cleared. 

I'd like the CFPB to take action against XXXX for false advertising and not prominently displaying or telling us the length of time that an account can left on hold. Leaving out the time is as good as a lie. I also want my money back expeditiously. They literally have {$950.00} of my monies in limbo. I look forward to you investigating this matter and hopefully fining XXXX in the millions for swindling their customers out of money and making interest of their held funds.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX.