davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (OR)

I am writing to formally lodge a complaint against Selene Finance regarding ongoing issues with my mortgage account management. Despite repeated efforts since early XX/XX/2023, both myself and my assistant, have faced continuous challenges accessing my account, resulting in significant financial harm and stress. 

Issue Summary : Account Access Denied : Repeatedly locked out of the online account system, precluding access to loan statements and account management features. 
Service Disruption : Reported system refresh in XXXX [ XXXX ] exacerbated access issues, with over a month 's delay in resolution. 
Recurring Lockouts : Post-resolution, account access was again revoked, with current inability to log in despite multiple contacts with customer service. 
Financial Consequences : Missed a payment due to an inaccessible account, leading to unjust late fees, account foreclosure, and over {$1400.00} in legal fees to rectify the situation. 
Inadequate Customer Support : Multiple interactions with representatives, including XXXX XXXX and XXXX XXXX, yielded incorrect information and no resolution. 
Impact and Request for Action : The aforementioned issues have not only resulted in financial loss but also considerable distress. The inability to access my own account feels akin to being held hostage for my own loans. The resultant foreclosure and late fees, coupled with legal expenses incurred to bring my account current, are both unjust and unnecessary. 

Therefore, I seek the following resolutions : Immediate rectification of account access issues.

Full reimbursement of all late fees and legal expenses incurred due to this mismanagement.

Assistance in transferring my mortgage to a more reliable servicer.

Formal acknowledgment and rectification of the customer service deficiencies.

Enclosed are detailed records of all correspondence, calls, and interactions with Selene Finance representatives, documenting the chronology of events and failed resolution attempts.

I trust that you will take this complaint seriously and act promptly to address these grievances. The financial and emotional toll of this experience has been significant, and immediate action is imperative. 

Thank you for your attention to this matter.
Consumer complaint received 2023-07-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (TN)

I have recently pulled my credit and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

I asked for proof that I owed this debt to your agency and you are the original creditor, buying accounts for pennies on a dollar in hopes to collect the amount not owed to you is against FCRA regulations. The company Aldous & Associates is located in XXXX, UT therefore ; how are you legally able to collect a debt in my state, and I'm not notified of the debt or the exchange of debt that I had no knowledge of?

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Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I deposited via certified mail, four money orders of {$500.00} each. As ordered that I do so as the only way to deposit money orders in Ally Bank by a message from the bank. Total {$2000.00}. They were marked as deposited on XX/XX/XXXX  at XXXX. Then they were marked as " check paid '' at XXXX. In other words they were taken out of my account against my will. 

I have called four times to XXXX. On XX/XX/XXXX and XXXX. Spoke to XXXX after he put me on hold for 42 minutes to " check '' with someone. He told me the funds would be returned to my account on that day. They were not. 

Then I spoke to XXXX on XX/XX/XXXX at XXXX ( was put on hold while she " checked '' and subsequently disconnected after 30 minutes ) and then with XXXX XXXX XXXX on that same day. XXXX told me that they were " checking on it '' " they '' would get back to me. I called again on XX/XX/XXXX and spoke with XXXX at XXXX. He again " checked '' and told me someone would contact me. I have heard nothing since and am very distressed to know what happened to my {$2000.00}. Nobody at this bank can tell me. There is no " supervisor '' to talk with to help get this resolved. I am an infirm XXXX  citizen and this is making me lose sleep from the stress. I dont see any alternative but to try to lodge a complaint to get my money.` Please help me. I have to pay my bills with this money.
Consumer complaint received 2024-01-09
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

no knowledge if this hard inquiry and hard inquiries is a result of identity theft and must be removed within XXXX and XXXX hours XXXX business days 15 U.S code 1681c-2
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX The following personal information is incorrect - Please update my report. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central States Recovery, Inc. (MO)

XXXX XXXX XXXX were contacting me for a medical bill that was due to a car accident in XXXX of XXXX. The hospital never took my insurance information ( 100 % XXXX Veteran with full VA coverage ). Due to the nature of the accident I have an attorney and the case is in litigation currently, suing the other party. All medical providers who provided me with a bill were instructed to send the bill to my attorney so the law firm would pay it due to the suit we were filing. Hospital was told this Atleast 10 times before they sold the debt to XXXX XXXX recovery. Central states then called me multiple times a day for months, from XXXX XXXX XXXX. I told them a few times to send anything to my attorney as it was in litigation. After 8 attempts to tell them to contact my attorney and send the bills to them, I asked them to stop contacting me. Then without notice, and with the case still pending, my credit report now has a collection from them added to it.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (NV)

Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great.

importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively.

As a first step, I would appreciate it if you could provide me with details.

information pertaining to the alleged accounts, including any associated.

transactions, applications, or account activities. It is crucial that I review this.

information to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related. 
alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding.

the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 

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 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc (AK)

XX/XX/ my account was charged {$19.00} from XXXX XXXX, a name I did not recognize. I contacted customer support and resolved the issue, or so I thought. Every month since, on the 5th my account has been charged and I've contacted the support team about it, with no resolution. This month I've resorted to getting a new card and bank account and have been denied my current fraud claim. I never authorized these transactions and have been mostly tossed around by a bad customer support system.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc. (LA)

Conns Appliance was contacted multiple times from XX/XX/XXXX to XX/XX/XXXX in regards to settling and/making payment arrangements to the account. The debt was sold to a third party company XXXX XXXX XXXX XXXX, who have previously received payments towards the balance. As of XX/XX/XXXX, XXXX has closed this account due to notification of Active Duty status and is no longer taking action on the account. Conns was contacted several times via phone and in-store, but continues to state they do not have the debt and that the debt still stands with the third-party recovery firm listed, even upon receiving notice of the contrary from the third-party itself. After stating multiple times that the recovery department is unable to send a bill, Conns has agreed to communicate via emails, callbacks, and letters with an update as to where this can be resolved, but they have yet to follow through. After several attempts to resolve the matter, no communication has been made with further information. Conns has failed to provide statements of debt validation, billing statements, dates of the debt, debt amount, to whom the debt is owed, verification that they are authorized to collect the debt, and also means to resolve this debt, while continuing to report that debt is owed.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: MicroBilt / PRBC (formerly CL Verify) (TX)

I understand that it is my right to obtain a copy of my credit report, under the Fair Credit Reporting Act. I am requesting a copy of my XXXX consumer credit report sent to me via mail.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Indie Technology DBA Found (FL)

On XX/XX/XXXX l received a wire transfer into my business account that was given pending status by XXXX XXXX XXXX XXXX XXXX. Subsequently being told my account was frozen for suspicious activity. I was asked to verify the nature of my business and to justify the usage of the funds designated by investors for staffing for donations to at risk youth in XXXX. After answering and providing documentation my account was subsequently froze and scheduled for closure. I was told the XXXX would be released on XX/XX/XXXX some 2 months away l shared that this was an injustice. With no favorable response to understand why my funds are not being released immediately.
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/XXXX a hard credit inquiry from Kay with creditor XXXX XXXX was noted on my XXXX report. 
On XX/XX/XXXX a hard credit inquiry from Jared with creditor XXXX XXXX  was noted on my XXXX report. 
On XX/XX/XXXX immediately after seeing this notification, XXXX and XXXX XXXX were contacted. XXXX advised to contact the creditor and file a fraud report with FTC. 
XXXX XXXX  advised me there was an account with Kay opened, but had no balance or charges. They advised there was an application from Jared for line of credit that had not yet received approval. BOTH of these were cancelled and XXXX XXXX  stated they would be contacting these retailers informing them the account holder did not open these accounts. They also advised I would receive a letter in the mail for the closure of the account with Kay with no balance, and the cancelation of the application with Jared.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Payment of {$12000.00} was made out of my new loan acct. On XX/XX/XXXX. ( A loan that was procured specifically to pay off balances of Capital One cards x2. ) Payment was accepted, then rejected. This occurred on a weekend day. A second attempt was made, thinking some info was put in wrong. First thing Monday morning, I contacted BOTH institutes to fix problem. Capital One closed both credit acct., citing violation of agreement. This seriously affected my credit. I have had both acct. since XXXX, with no missed payments. I asked them to reinstate my acct. in good standing. They requested proof of ownership of acct., it was provided XX/XX/XXXX. Still awaiting response. I want acct. reinstated. Mistake was made on my part causing pymt. return. Honest mistake, was trying to pay off total balance. It is just ridiculous that a long time, in good standing, customer is treated this way, affecting my credit negatively.
Consumer complaint received 2024-01-10
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

The student loans were past due from XX/XX/XXXX due to financial hardship. On XX/XX/XXXX Citizens did an offset from our bank accounts ( myself and my son ) and debited the money, to pay the loans from XX/XX/XXXX to the month of XX/XX/XXXX. In error, they debited the XXXX payment on XX/XX/XXXX, which wasn't due until XX/XX/XXXX. I put in a complaint and they credited my account on XX/XX/XXXX for the XXXX payment. 

AS OF TODAY, XX/XX/XXXX the payments that were debited have " not '' been properly credited to the accounts, on Citizens and Firstmarks operating systems. Previously, I have spoken with numerous agents and XXXX Supervisors and XXXX and they are still showing the accounts as 136 days past due {$480.00} pymt {$15.00} late charges/ {$930.00} past due pymt {$28.00} late charges and {$830.00} pymt past due late charges XXXX. When in fact, the account was paid current on XX/XX/XXXX. No one at Citizens Bank knew who how to correct this error or could explain why the payments haven't been posted. 

Today, I was transferred to numerous departments and requested to speak to a Supervisor, however I was not transferred to a Supervisor. In addition, Citizens has reported that these accounts were negative and they show as a major derogatory event, as past due 120 days to the Credit Bureaus on XX/XX/XXXX, which affects my credit score. When in fact the account was paid current on XX/XX/XXXX. 

On XX/XX/XXXX I also requested a detailed account payment history for all of my loans from inception to current and was told I should get them via email and NEVER received anything.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My XXXX XXXX XXXX XXXXwas to pay off all me credit cards, which I did. On XXXX XXXX, 2024, I pad XXXX crdeit cards off in their entirety, including Bank of America XXXX XXXX XXXX Card ). All XXXX credit card companies debited my personal chacking account either on the same day or the next day, and XXXX of the XXXX companies applied my payment to my accounts within XXXX hours, EXCEPT Bank of America! I paid BOA {$2100.00} dollars on XXXX XXXX, 2024, and here I am on XX/XX/2024, and BOA has still not credited my credit account! I called them and I did excalate the complaint up the chain three times, with no success. I was informed at the last level that they " have up to XXXX business days to credit the account with the payment ''. Then they stated " that we have not offically received your payment yet. It is inprocess ''. I respnded by stating that my {$2100.00} is gone from my personal checking, so BOA has my payment somewhere. BOA respsned with " well, your payment was substantially different ( larger ) from your regular, smaller payments, so this rasied a red flag. '' I stated that I paid the entire balance off and this raised a red flag? That's absolutely ridiculous. Furthermore, it is my belief that BOA is holding my payment until the next billing cycle ends and the next payment is due so they can collect interest on the old balance! I attemtped to delete my personal bank account on the website as well as stop auto-pay, and I was unable to either tasks! This is really inapproapite or illegal. I do have employee ID numbers.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America tried to pay off my credit card which had a greater balance then the debit account I use with them causing me to have a negative account balance and overdraft fee. I have called them multiple times and each time they say they will reverse the transaction and fee but they don't.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I AM DISPUTING ACCOUNT XXXX FROM WHOEVER. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.