davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC. (TX)

i purchased a XXXX XXXX  XXXX and i had some extensions on this car it was suppose to be paid off XXXX and it was pushed back until XXXX now they are telling me that all these other fees has been added and they are saying that i have to pay until XXXX, i would of had of paid over XXXX $ on a car that was XXXX $ as we all no that santander has put people like me in these loans where most people has lost their vehicles and i guess by me willing to pay my car off has left me with XXXX XXXX, why should it cost me a extra XXXX $ i am being robbed as we all know that they have had a very bed reputation with their misconception with customers i am begging for help i went on line for the online class action law suit in XXXX and i dont understand why i was not a victim of santander subprime scheme please help me with this situation soon! thank you so much!
Consumer complaint received 2024-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for XXXX XXXX. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

XXXX XXXX XXXX XXXX PayPal XXXX XXXX
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (CA)

In accordance with the Fair Credit Reporting act True Accord Corp 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 an account without my written instructions. 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my wet signature. 6. Please provide a complete account history, including any charges added for collection activity. My information was sold and bought illegally because I was a victim of the XXXX XXXX  data breach 15 U.S. Code 1681q - Obtaining information under false pretenses.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consurmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Based on the above Capital One is not complying due to reporting inaccurate information to all 3 Credit Reporting Agencies. They have different open dates, credit limits, date last active and last payment dates.

15 USC 1681 section 604 section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NY)

I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, according to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - 1990 Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

Im a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others and me currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-03
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I checked my credit history in online in order to know my credit score and found out that I have debt in BJ 's Capital One Credit Card ending XXXX with the amount of {$230.00}. In my knowledge I never received this card and never applied as well. Then I Check my mail and I noticed in my table that I have a mail from Capital one and open it and checked the mail then I saw the bill. I called costumer service and asked them why they charged me and ruined my credit score. The costumer service told me the amount is for registration fee for BJ store. I said What!!! I am not crazy to sign up for the BJ store and I told them that I have COSTCO and BJ ID and still good and used recently. I asked them to cancel and refusing to pay. I called also the costumer service in BJ STORE and asked why I have BJ 's CAPITAL ONE CARD bill. The representative told me that they receiving calls with the same issues. In my opinion probably this is a scam.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

Applied for a mortgage to pay off my ex wife for the condo we bought together at the end of XXXX and was dragged along until XXXX saying I was approved. I was charged over {$1000.00} in fees and then finally emailed I was declined because my condo hoa didnt pass final review.They were unprofessional and told me the fees can not be refunded. I feel extorted.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TD BANK US HOLDING COMPANY (NY)

Hi goodmorning, my name is XXXX XXXX & today im reaching out to you due to a little problem im having. So i was given a state lawsuit, you probably would know about the XXXX  settlement lawsuit witch was recently given out around last week of XXXX. I was recently out the country getting XXXX XXXX XXXX XXXX XXXX i knew i was not going to be back so soon so i had my girlfriend send me the XXXX check with a relative who was soon coming, i signed the check and got a signed letter giving my girlfriend of XXXX  year relationship, permission for her to cash it for me. Okey so she was able to cash it for me i told her to Put XXXX XXXX XXXX XXXX aside so we could take care of things & move out then i told her to put XXXX XXXX away somewhere safe witch i would need to pay for my XXXX and im due for my appointment on XX/XX/XXXX witch would would be next thursday at XXXX XXXX. I dont have no family back in my country at the moment So i needed someone with me so i actually paid her flight to come take care of me, she lasted XXXX months and XXXX weeks, then i had to send her back last week to be able to go take out my money and send it to me. But unfortunately when she tried to get me my money witch was in her savings account cus she hasnt been working since she XXXX XXXX they mentioned something about some fraud being done on her account, witch we think its her older son but he hasnt yet admit to it. This is a really big issue now because i had the money exact for my XXXX. Thank you for taking the time and hearing me out today Godbless you and your family and have yaself a wonderful day as well. 

Sincerly, XXXX XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (CA)

I complained to you with complaint XXXX, and the bank responded with old bills on the account I closed. The sen t me the same bills. They did ot respond to you or me on why after closing the account paying some money, and receiving some money back, and they cut up my bank card, my account was closed.Later they said the Cash Advance wasn't closed... it was part of my account... bank SCAM. A few months after closing he account I got a bill for {$26.00} for the fee on the Cash Advance the a few months later a bill for {$56.00} for the same thing, then again a bill for {$76.00} for the same thing... .SCAM
Consumer complaint received 2024-01-31
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Bread Financial Holdings, Inc. (PA)

Applied for financing for dental work.. was approved up to {$3500.00} in which only {$2300.00} was used.. 
Loan remained in good standing not ever going past due. Till XX/XX/2024 remaining balance was {$200.00} when account was charged {$960.00} interest. I contacted Comenity/Bread and was told there was an interest free promotion that if not paid in time all interest would be applied ... ( It was never understood when applying for financing ).. I contacted Comenity/Bread Financial to resolve this issue even will to pay a portion of interest charged.. I was refused any help or solution and told by " XXXX '' rather rudely either pay or not that there was nothing he can do.. I was also told it is on my final few statements informing me that the promotions ending... however I signed up for paperless billing and never received a hard copy. I made all payment and checked balances via phone app. which never stated there was a promotion let alone i was going to end and interest would be applied. I have great credit score and my main concern if this account going to collections and affecting me in a negative way
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

My name is XXXX XXXX in XXXX of XXXX I went to XXXXXXXX XXXX in XXXX XXXXXXXX and was trying to get a car loan for a XXXX XXXX XXXX XXXX. I was in that dealership for several hours. A down payment of XXXX for the car. I was the last customer in the dealership I was very tired and exhausted til finally approved me with credit acceptance. This car cost around {$55000.00} dollars and I can't pay it anymore this bank is savage and stealing money from me. Everything is falling apart in my life due to this bank and struggling everyday of my life to get out of this situation and I be feeling so depressed everyday. I dont now what else to do. I cant keep up paying close to XXXX a month for this car that is not worth it. XXXX is insane. I am looking for help I am very desperate and find a solution please help Me.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

On XX/XX/2023, I called Citibank to get an explanation of a new balance and its corresponding interest charge that was not on any previous statement. 
Citibank agent said such amount was because of the daily interest calculation, to which I said : there is no way that $ XXXX is the calculation of daily compound interest for previous balance of $ XXXX which was paid in full before due date. 

Citibank agent on the phone was not able to explain how such new balance appeared on my new statement.
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (PA)

My mortgage is current. I was behind XXXX  months due to medical + prescription costs and just got caught up. 

Shellpoint Mortgage Finances says I owe {$880.00} in Fees.

Shellpoint Mortgage Finance said they are unwilling to waive any of the fees. 

{$880.00} in fees is exuberant. Especially someone who had medical issues & subsequent problems paying their mortgage. T
Consumer complaint received 2023-07-25
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: CITIBANK, N.A. (FL)

Upon reviewing my credit report, I discovered that a charge off has been reported by Best Buy/CBNA on XXXX, indicating that the account has been closed and charged off as a loss. However, I believe that this charge off is inaccurate and in violation of consumer protection laws, specifically 15 U.S. Code 1681 ( a ) and 15 U.S. Code 1666 ( b ). 

Basis for Removal Request : Violation of 15 U.S. Code 1681 ( a ) : Under this federal law, consumer reporting agencies are required to provide fair and accurate information about individuals ' credit history. It is my understanding that the information provided to the credit reporting agencies must be factual and substantiated by appropriate documentation. I have not been provided with any evidence to justify the charge off, nor have I received any communication indicating the intention to charge off the account. 

Violation of 15 U.S. Code 1666 ( b ) : This law requires that creditors provide consumers with a written notice, clearly stating the reasons for the charge off, at least 30 days before the actual charge off occurs. I have not received any such notice, and as a result, I was not given an opportunity to address or rectify any potential issues with the account.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Groundfloor Finance Inc. (FL)

I opened an investment account with a company called XXXX. I did some short term investing and decided I wanted to invest my money elsewhere and I went to attempt to withdraw my investments and I am being denied access to do so. 

The company states I can not change the account for withdrawals for XXXX months, I changed from XXXX business checking to XXXX XXXX. The company claims I can not change accounts for XXXX months but they did ask me for proof I closed the account and opened a new account, I provided them with this info and they are still not allowing me to withdrawal my money.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (AR)

The account with Affirm had a remaining balance of {$810.00}. I paid this balance XXXX ( in full ). The company is still reporting this account monthly as a charge off and also has not updated the balance on the account to reflect {$0.00}. I have disputed this several times with XXXX and with the company. I have also provided a copy of the receipt to show proof of payment. I keep getting results that the account remains.
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I disputed a charge in XXXX and here we are in XXXX with no resolution. They closed the initial dispute I opened thru the app without contacting me because it was evidently not the correct type to file in the app. I called up customer service they fixed the error and opened a new dispute. They asked me to provide all the details in an email which I did. They then closed that dispute because I didn't fill out certain paperwork which they never sent. 

Finally in the start of XXXX they opened a third dispute on this case. They realized their error and claimed this would be " expedited. '' It's now a month later and they won't even reply to secure emails. Seeing as they have strung me along for months now and won't even respond I have no choice but to seek outside help. This is the worst bank I've ever dealt with by far.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights.

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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case remove off my credit report I also sent in certified mail I didn't get no response im asking for this to get remove off my credit im trying to buy me a house and this is stopping me
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and # 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
Consumer complaint received 2024-02-03
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

Comenity Bank for XXXX XXXX. This is the second time this has happened in the past several years. I have had this account for a long time. I use it and then pay it off. My balance is at XXXX. I repeat my balance its at XXXX!!! 

Up to a month later, they will charge a {$2.00} interest fee on a XXXX dollar balance! Then when you don't know you have a {$2.00} balance, they will charge you a {$2.00} late fee for not paying the {$2.00} interest fee. Now you owe {$4.00}. They will charge you another {$6.00} in interest. Then another {$2.00} in late fee. This goes on and on until it affects your credit and therefore your credit score drops. You look to see what causes it and you owe {$14.00}!?! from XXXX months ago when you paid the card off. I go to pay the balance and when I set the payment for the " due date '' it now says I owe {$16.00}. They are scamming people out of money and lowering my credit score!?! This needs to stop! 

When they did this XXXX years ago, they restored my money and fixed my credit but they never restored my credit limit. I had an {$800.00} credit limit and it's now {$150.00}. 

They will say there's an option to pay future interest as well but there isn't. There's a " save on interest if you can not pay in full. '' That's not the same and they know it. It's a way to trick people out of money.