davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had no knowledge of this credit account being opened using my social security number, I have filed a police report and a identity theft report wit the Federal Trade Commission and sent it to all credit bureaus. 
Despite being a victim of identity theft capital one reports to the credit bureau that this is an authorized account and keeps it on my credit not allowing me a fair credit report. After sending all documents verifying I am a victim of identity theft, capital one has not took action to get the unauthorized account removed from my credit report, or report to the three credit agencys the account was a result of identity theft and unauthorized
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (AZ)

The options did not allow me to properly check off things. Also you sent me an acknowledgement last week but I was not able to verify things. 

Fortunately, I received a letter from Chase Bank about my original complaint XXXX that was forwarded to Chase. 

I replied back to them about the falseness of the letter to both me and you, and want you to know about it, being they probably send false statements to others. 

As you can see in the letter to both of us, highlighted in the forth paragraph is a false statement where they said that only the charge care was closed and then reopened. 

That is a lie. As I told them, and as the branch manager of the bank knows, that the savings accounts and checking accounts were closed.!!! and that I was told that a check for all the funds were to be mailed out to me with 14 days causing me to go to a different bank and open checking and savings accounts there so to make sure I would be able to receive my direct deposits of XXXX. and XXXX.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : 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 XXXXXX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Its has been over month plus I had on my excellent credit was approved for n XXXX from capital one but they wanted copy of my DL for verification witch is my understanding illegal as I had zero issues on my credit report no fraud alert security freeze XXXX. I did anyway sent in via emailing copy of my Indiana DL to unlock this n get my card mailed to me but yet two weeks later XXXX card sent this is unacceptable
Consumer complaint received 2021-01-11
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-06
Product: Mortgage — Conventional home 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: Selene Holdings LLC (MA)

I am writing to bring to your immediate attention to the dire situation my family and I are facing due to the ongoing issues with our mortgage serviced by Selene Finance. Despite seeking legal representation and exhausting all possible avenues for resolution, we have yet to see any progress in addressing the numerous grievances we have with Selene Finance 's handling of our mortgage. 

The profound poor accounting practices, unilateral adjustments of interest rates without prior notification, and unexplained increases in our mortgage payments have created insurmountable financial and emotional hardships for us. Our attempts to seek redress through legal channels have been met with roadblocks and delays, leaving us feeling helpless and vulnerable. 

Our research into Selene Finance 's track record has revealed a disturbing pattern of similar complaints from countless other homeowners, as well as numerous class action lawsuits and legal proceedings. It is evident that we are not alone in our struggle against the predatory practices of Selene Finance. 

Given the gravity of the situation and the widespread nature of these issues, I implore the Consumer Finance Department to take immediate and decisive action to hold Selene Finance accountable for its actions. The wellbeing of countless families like mine hangs in the balance, and swift intervention is necessary to prevent further harm. 

I urge you to launch a thorough investigation into Selene Finance 's practices and ensure that appropriate measures are taken to address the grievances of affected homeowners. It is imperative that justice is served and that those responsible for perpetuating these injustices are held accountable. 

I appreciate your urgent attention to this matter and look forward to a prompt and satisfactory resolution.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Credit Karma (MN)

XX/XX/XXXX there was XXXX that was unauthorized by me from my credit karma account..I file a dispute on XX/XX/XXXX and they closed my account because they found it was no error. 
XX/XX/XXXX I received constant emails from credit karma that sem like my account is still open.. I received information from XXXX XXXX in my email that there is a negative balance after the account was closed. I reach out to support and they told me there had been credit reverse to my credit karma account. So why is it that credit karma found my dispute incorrect. But kept my money. I'm struggling to get my money back and it seems like they are telling me that visa made the determination. But if it's my money why did they take it. How is the dispute an error when XXXX XXXX return those funds
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (AL)

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. 

Account Name : XXXX XXXX Bankruptcy Account Number:XXXX  Account Name : XXXX  Account Number:XXXXXXXX  has violated my rights. Or list of inquiries 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 2023-03-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TN)

On today I received a letter in the mail by Credit Collection Services, XXXX XXXX XXXX, XXXX, MA. XXXX saying that I own the creditor who is XXXX XXXX XXXX XXXX. XXXX. XXXX in the amount of {$140.00}. They want me to pay a discounted amount in the amount of {$56.00}. I today called them, and told them how can I own XXXXXXXX XXXX XXXX XXXX XXXX XXXX when the COMPANY XXXXXXXX XXXX XXXX XXXX XXXX  XXXX sent me back a check for over payment because I paid them off in FULL with an over payment. This debt collector has broken the LAW of the Fair Credit Billing Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act. I am so tried of hackers getting my personal information of companies sharing my information and damaging my credit and life. This is and should be be totally illegal. I have a frozen all of my information and hackers are still using and getting information from companies who are sharing people information worldwide this is not right.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I Opened account with Bank of America and out of nowhere they closed the account. They said they didnt have to disclose the reason and they didnt give me a notice as they said they did or I wouldve withdraw my money. 

They said they were going to return my money in a cashiers check. But the money never came. Ive called three or four times, and they say that the check was issued and sent to my place but it never came. 

Now Im calling and they say I have to wait 120 days until they re-issue another check or I have to wait until this check is returned. This is the most inconvenienced Ive ever been by a professional bank. 

The customer service is terrible regarding this issue. They act as if Im a non-factor now that they closed my bank. 

They said they couldnt even track it because they didnt put a tracking number on a cashiers check. 

Having to go months without my money is outrageous. They took it within 30 minutes but now I have to wait three or four months to get it back no matter the hardships I am enduring. 

# Terrible
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2023-03-13
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: CLGF Holdco 1, LLC (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Consumer complaint received 2024-05-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (CO)

I have never been able to access my online account through GM Financial, preventing me from being able to pay my bill or sign up for autopay online. This has resulted in two delays in paying my auto loan on time, as I am unable to sign up for autopay without a form that GM Financial says they've mailed to me, but I have yet to receive. 

I have spoken with customer service 6 times regarding this issue, on XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX and twice on XXXX. The first call, on XX/XX/XXXX, was preceded by over an hour of hold time, and the calls on XX/XX/XXXX and XXXX were disconnected by the agent. 

The technical issue is that I have registered an account in their system, but that registration broke in some way that both prevents me from accessing the account, returning a " Page not found '' error on login, as well as preventing me from trying again to register an account, returning an error that the email is already in use. This persists through password resets and occurs on multiple browsers and devices, including their mobile app, which has consistently returned a " System down for maintenance '' error when I try to log in. 

This is an IT issue on their side that has persisted ever since I bought the car. The only reason I financed with GM Financial in the first place is that XXXX XXXXXXXX claimed I " wouldn't get the tax credit '' if I didn't finance through them. Now, despite GM Financial 's marketing claims that " The GM Financial Mobile app gives you anytime access to pay your bill, contact us or schedule service '', I have been unable to use either the app or the website for four months. I shouldn't have to refinance my car to pay my bill online in XXXX.
Consumer complaint received 2023-03-13
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: Colony Brands, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the Fight to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written nstructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-25
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (OH)

On XX/XX/2023, CREDENCE RESOURCE MANAGEMENT , LLC contacted me by phone trying to collect a debt. I informed the caller to never call me again. CREDENCE RESOURCE MANAGEMENT , LLC is not legally certified to collect debt in Ohio. The caller asked where I seen that information but it was not given to him.
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

I had set up direct deposit to Coinbase and {$2300.00} was transferred to them on XX/XX/2024. However, my funds are not available. Coinbase said there was some sort of glitch that prevents my money from being available but hasn't resolved the issue. I have had multiple phone conversations with them and email exchanges but yet not remains unresolved. Case # XXXX is the official case number in the Coinbase system.
Consumer complaint received 2024-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

The atm has not work for several years now. It doesnt count cash correctly and doesnt accept funds. If I have a low balance, it is impossible to deposited money into my account outside of banking hours either form a cash or check.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC. (MD)

Around mid XX/XX/year>, I opened a XXXX high yield XXXX account. I promptly linked it my XXXX checking account via the XXXX app and their microtransaction verification process. I transferred {$3200.00} into the XXXX account from my XXXX account on XXXX XX/XX/year>. On XXXX XX/XX/year> I did a mobile Check deposit for {$960.00}. On XXXX XX/XX/year> I transferred {$2700.00} from Bask to my XXXX via the XXXX app. Today, I wake up to find the transfer was cancelled and my XXXX account is XXXX. I called XXXX to ask why and all they told me was that my account is under review and their internal team would " reach out soon ''. I kept pressing for information ( why is my account under review? how long does this review process take? Why can't I access my own money? etc. ) but was continuously told the same thing : my account is under review and their internal team would reach out soon.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO CALLED ME FROM XXXX TO MY NUMBER XXXX AND TRIED TO COLLECT A DEBT FROM SOMEONE I DON'T KNOW. I ASKED FOR THEIR ADDRESS AND THEY REFUSED TO GIVE ME THEIR ADDRESS. THEY CALLED ME SEVERAL TIMES.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NV)

TJX Synchrony Bank credit card is now charging {$1.00} for receiving paper statements. I consider this a junk fee. For a senior going to an online statement is difficult because it takes me forever to figure out where to find my statement, printing it off ( when my printer works ), reading it and most painful remembering my password. Synchrony Bank Net Income has more than doubled since XXXX  Amazing that they started this fee after all of the XXXX and XXXX XXXX work on reducing excessive fees. 
Thank you for looking into this
Consumer complaint received 2024-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC (MA)

Cross Country Mortgage switched service providers with immediate effect back in XXXX requiring all customers to send payments to a new address. My bank 's bill pay has a relationship with Cross Country and they had been sending payment via ACH. I was told that Cross Country works with the 3rd party bill pay services to make the changes as they do not mail checks. It turns out that all bank customers payments were being denied and that late fees were tacked on to all these people 's bills. There was no notification that payments were being denied. Cross Country specifically made a change with no planning and maximum effect to go after junk fees ( service penalties ). Simply states, they deny the payments and then add the late fees. Customer service is also now non-existent. New website shows none of my payment history because that is the old service provider. I can't see or pay my current bill on the website until last month 's bill actually clears. ( not just paid ). This is a clear case that Cross Country providing a even lower-level customer service provider, no planning with their automated bill payments providers ( other banks ) and to specifically target junk fees.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I was never late on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The months that's stating I'm late is XX/XX/2023, XX/XX/2023.
Consumer complaint received 2023-12-22
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.