davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MD)

I filed a case for an unauthorized transaction, and after a long wait the dispute was settled in my Favour, its been 3 months and I am yet to get my replacement card, I have contacted income via fax, contacted customer service sent email with verification of address to XXXX yet no response, how do I wait 90 days to win a case and still wait 90 days to receive replacement card, kindly send my card via XXXX XXXX delivery, its been a long ride, here is the case number XXXX and XXXX they are both for XXXX $ each I want a {$200.00} card sent to me, my correct address has XXXX XXXX  and not XXXX XXXX, so its XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1803 Capital, LLC (GA)

Discharge/delete creditor 1803 Capital ( XX/XX/2020 ) {$9700.00} HIGHEST BALANCE AND NOW REPORTING {$0.00} BALANCE. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : FCRA/UCC law , this item must be deleted, or we will pursue civil action.
Consumer complaint received 2024-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NV)

Citibank held XXXX of my accounts that were both sold to XXXX XXXX Services ( possibly to XXXX XXXX XXXX and others that have tried to collect ). XXXX XXXX assigned these debts to XXXX XXXX XXXX and XXXX XXXX firm. A few years ago an incident happened where when I was dealing with these entities somebody showed up to my house knocked on the door and was irritated when there was no answer so they went to ask the neighbor if I lived there. After they got their answer they left sensitive personal information posted on the garage door with a threat if I didn't call them my private information was going to be left in a gas station or listed on the media ( XXXX ). This incident was witnessed by several neighbors and a video of the guy still saved on my phone to this day. This was reported but XXXX XXXX XXXX stopped communicating with me after. XXXX XXXX XXXX on the other hand used excessive means like calls, abuse, intimidation, Filling lawsuit on debt collection ( more than XXXX times ). Last one was done on XX/XX/XXXX both sent to me by mail and email, filled by XXXX XXXX and looked like there was no judgement on the case ( improper notification and infringing on my consumer rights ). Not only that Citibank also misstated on the debts, XXXX of them which was $ {$3900.00}, they were trying to collect {$8100.00} ( seriously ) but denied there was ever junk fees and wouldn't explain the other amount they were trying to collect but they forgot they sent me a letter before on XX/XX/XXXX that I saved that showed the break down. These entities have used some extreme measures of which some are considered illegal. Nobody should have to deal with the behaviors of any of these entities that wont even do investigation on any incidents reported to them but only choose to intimidate more and come after collections while breaking the consumer protection laws, the fair debt collection practices acts ( FDCPA ) among others. Documents included
Consumer complaint received 2024-06-22
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. (MI)

XXXX, XXXX, & Equifax continue to report a collection account that is not correct. The account listed as XXXX XXXX XXXX is not my account and I have previously multiple times disputed this account and yet they refuse to remove the allege debt. Since XXXX XXXX XXXX refused to remove the account I filed a federal lawsuit against the business and filed a small claims lawsuit against each consumer agency which means this account can not report until after the court order has been given. This is notice that I will be charging {$2000.00} per day that this illegal collection continues to report. Failure to remove this collection I will use this complaint as evidence during the court proceeding to state I did try and work this out. Please forward this complaint to your legal team that is representing each consumer agency.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion, XXXX, & XXXX continue to report this account XXXX XXXX even after notification that the account is not mine and not accurate. Since XXXX XXXX they could not produce any evidence that I signed an agreement I filed a lawsuit against them and XXXX XXXX please see attached so this account needs to be deleted or I will add the consumer agencies as a party to the filing due to your causing damages by reporting this information while we are currently litigating this issue.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

XXXX, Divisions of Corporations, an official State of Florida Website shows XXXX to be registered ( # XXXX ) on XX/XX/year> under a fictitious name. The owner is listed as XXXX XXXX XXXX without an FEI/EIN number. 
The credit fraud and deceit occurred when I gave a company repreentative named XXXX my XXXX XXXX card to pay for it in full. He asked for my phone so he could complete the transaction. He returned my XXXX XXXX, gave me a reciept to sign showing the words XXXX and the last four digit of my XXXX XXXX ] A short time later I received an email from a financial company AFFIRM stating I will pay {$100.00} every month for 36 months which equate to approximately {$3900.00}, adding {$1500.00} in interest. I received no application, terms, or options regarding this credit charge. I was not aware I was to be charged by this company. 
Each time we tried to engage XXXX as to his promise of returnnhis manager XXXX prevented this. XXXX told of us, in XXXX presence, he recalled I wanted to pay this amount if full. He then attempted to placate us by using my phone to enter a Dispute of the charges.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

Previously, I lodged a complaint regarding the related incident with HSBC US ( XXXX ) with reference ID : XXXX. For specific details, please refer to the background of the previous complaint : HSBC XXXX initiated a global HSBC account closure for me in XXXX last year for unknown reasons, which was responded to by HBUS in XXXX. Subsequently, XXXX XXXX withdrew the account closure decision at the end of XXXX, and then HBUS also withdrew their account closure decision. Due to the rude and baseless account closure decision by HSBC XXXX, making it impossible to continue trusting them, I applied to close my XXXX XXXX account on XX/XX/XXXX through a branch of XXXX XXXX, completely closing my XXXX XXXX account. Moving to XXXX, HBUS suddenly initiated a request to close the account. This time, I am certain it came from HBUS, and HBUS is the chief culprit, using severe terminology such as " financial crimes. '' In fact, I really don't understand this behaviour, because whether it's HSBC XXXX or HBUS, they both claim it is suspected " financial crimes, '' but neither has provided concrete evidence. 
Since I am alleged to have committed financial crime, I can not condone such a nearly " defamatory '' label. " Financial crime '' is a very severe accusation. Since HSBC believes there is " financial crime '' but is secretive about the specific reasons, fine, I will submit all the monthly account statements issued by HBUS to the regulators. Due to the simplicity of the transactions, each monthly statement is basically only XXXX page, so I spent approximately XXXX hour annotating all the transactions. Anyone interested only needs about XXXX minutes to review them. 
I am actually very curious, all transaction types can be summarized into XXXX categories : self-named transfers within the HSBC group , HBUS credit card auto repayments, HBUS interest distributions, and transfers between my HBUS checking and savings accounts. Which of these transactions does HSBC consider as " financial crime ''? The largest transaction among all is just {$10000.00}. The reason was in XXXX, attracted by the high-interest rates of HBUS, I planned to open a fixed deposit with HBUS, but due to the framing by HSBC XXXX , HBUS decided XXXX close my account, so I had no choice but to transfer the funds back to HSBC XXXX XXXX XXXX that's all. Moreover, after HBUS retracted their close account decision, to show my willingness to continue cooperation, I transferred {$600.00} from HSBC XXXX XXXX to HBUS. Since XXXX, besides this transaction, there was only a {$1.00} transfer to the checking account and credit card auto payments. 
For these transactions, HSBC considers them as " financial crime '', making one suspect that HSBC might be arbitrarily closing customer accounts just to meet regulatory anti-money laundering requirements.
Consumer complaint received 2024-07-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PLANET HOME LENDING, LLC (TX)

I am very frustrated with the difficulty in getting a payoff amount for the loan. Despite several attempts, I havent received any help or clear information. 

The deed is already in my name, confirmed by XXXX XXXX XXXX. Ive had to delay closing twice because of this lack of response, causing financial stress for my family. 

It shouldnt be this hard to pay off a loan. This delay could lead to serious issues, like foreclosure. Please provide the payoff information immediately. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX Account # XXXX
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (LA)

According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the removal of inaccurate information from my credit report. I have reviewed my credit report, and the account referenced above is inaccurate I request that the account be investigated and removed from my credit report. 

Please notify me of the results of your investigation at the address provided above. Under the FCRA, you are required to investigate my dispute within 30 days. If the investigation results in a change to my credit report, please send me an updated copy of my credit report.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I used my Bank of America Visa credit card to pay for the parking at XXXX XXXX in XXXX, MA on XX/XX/year>. The all day parking fee is {$20.00} paid at the entrance. The transaction was posted on my credit card the following day, XX/XX/XXXX. That is when I was able to see that, instead of {$20.00}, I was charged {$200.00}. I suppose it was a typo made by the parking attendant. I immediately filed a dispute with my credit card and explained what happened. The XXXX dispute department requested that I provide a receipt as an evidence. I called XXXX to explain that ( i ) I was not given a receipt, just a parking ticket showing that the parking was paid ( attached ) and ( ii ) even if I had a receipt, it would have shown the amount of {$200.00}, which is incorrect. After spending almost an hour on the phone with the dispute department representative, who kept repeating that without a receipt, they wouldn't be able to approve my claim, I escalated the issue to the supervisor 's level. The supervisor was more helpful ; he suggested that I provide a confirmation from the XXXX XXXX parking that the daily fee is indeed {$20.00}, as an evidence ( attached ). I did provide this and expected a quick resolution after that. Unfortunately, a few days after, I received a notification from XXXX that my claim was denied because I had not provided a receipt. I called the dispute department again and, after spending almost XXXX hours on the phone with the staff ( including the supervisor ), I was not able to get any understanding. Although admitting that a receipt would not be useful to prove my claim, the supervisor refused to consider anything else and to help in resolution of the case. 
Effectively, the credit card company sided with the vendor, refusing to accept that the vendor could have made a mistake and making a customer pay for this mistake. While my case doesn't seem that unusual - anybody could make a typo- the credit card company apparently doesn't have a solution for helping customers to correct this. A price confirmation from a vendor should be a valid evidence to rectify an erroneous transaction, but the XXXX doesn't seem to be interested in being helpful to its clients. 
After failing to get any resolution from XXXX, I also tried to contact XXXX XXXX parking, but have not succeeded.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Optio Solutions, LLC (LA)

15 USC 1692c ( c ) this information is inaccurate, and the company is still reposting it to my credit report. I have file a dispute and the information still keep re-appears on my file, remove Incorrect information and stop reporting the inaccurate information to my current report please. 

Acct XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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 XXXX XXXX
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I want to receive pre-approved offers for credit cards and loans from Huntington National Bank via XXXX XXXX, XXXX Mail or email. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Consumer complaint received 2024-02-02
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: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (GA)

I attempted to send a zelle for {$500.00} from my Citi Bank checking account. The XXXX would not go through because it asked for a debit card pin, this should not have even been possible because I did not have a debit card pin, I had not even received my debit card yet. A week later when my debit card finally arrived I followed the steps, set up my pin, and attempted to send the XXXX payment once more to which I was met with a statement saying that my login privileges would be temporarily revoked for my protection and to call the customer support line for a resolution. 

When on the phone with the customer support line it took about XXXX minutes to speak to an actual human because the automated response system is so limited that the option for account login troubles does not exist and it ignores your request for a support agent. You have to speak words that the system doesn't understand and then it will force itself to send you to a representative. 

I was asked for my full name and security question, the last XXXX digits of my debit card pin or account number which I provided. I was then asked for my phone number and then told that the number I have been using for the last 4 years could not be proven as mine or used for verification. I could however provide them a new number not attached to my account while on the line and verify myself that way ( I don't have another phone number ), following this I was asked if I had a credit card account with them as it could be used for verification. I gave them the last XXXX digits, expiration date, and security code. I was then told that the only way I could verify myself was with a letter in the mail containing a verification code. I knew this would happen because Citi has locked me out of my accounts 6 times in the span of less than 3 months. I informed them that this is not possible as I was moving ( In 3 days ), and have currently moved from the address so I am unable to get the verification code. I am also unable to update my address because I can not login to my accounts so my money is forever locked within the account because I am not allowed access. Instead of attempting to find a resolution I was spoken over by the agent who just repeatedly stated " We will send you a letter in the mail, you have no other choice '' Lastly, the Citi checking and Credit card account uses the same login and app which I can not access meaning that I can not pay my credit card bill. I will be incurring fees and taking a hit to my credit all because of the bank 's system that has stripped me of the ability to access my funds. I am seeking legal action against Citi which is how I came across the CFPB in a forum.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (ME)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BMO Bank XXXX XXXX XXXX XXXX XXXX, IL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FPB Complaint XXXX XXXXXXXX To Whom it May Concern : I am in receipt of your XX/XX/year> response to my CFPB Complaint. 

The transactions in question are direct deposits from my employer for expenses submitted via XXXX XXXX. They are not distributions from an investment account as falsely alleged. 

Please pay the advertised bonus of {$400.00} and waive all monthly fees, fees which would not have been incurred if the promotion had been correctly administered and paid out. 

Otherwise, this matter will proceed to trial with all costs and fees taxed to the bank. 


Sincerely, XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

First the debt does not belong to me, the XXXX credit agencies keep taking pay offs to publish false information on my credit report which is hindering my well being of living. They have violated my privacy. According to - [ ] 15 usc 6802 : rights to privacy. 
Obligations with respect to disclosure of personal information.
Consumer complaint received 2024-07-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (PA)

I have been in repayment since XXXX. I was originally under XXXX and now loans are mantained through Nelnet and Federalstudentloan.gov. It been 28 years since I have been in repayment. In XXXX the loans were consolidated. My understanding is that you would be eligible after 20 years. Why am I not yet eligible for forgiveness and what date should I be eligible for forgiveness? Are you reviewing records accurately and not disregarding things prior to consolidation
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I am disputing this account because it is reporting a balance of {$8300.00}, which is incorrect. The vehicle was deemed a total loss on XX/XX/year>, and payment of its value was made to XXXX XXXX on XX/XX/year>, for {$13000.00}. 

The original loan amount was {$19000.00}, and I should have been credited for the remaining {$5400.00}, which was covered in the gap waiver/addendum I signed in my contract. Attached is the installment contract that backs this information and specifically states on the last page that " You shall have no further obligations under the contract in the event the vehicle is lost due to theft, confiscation or destruction. '' It also states that " You will not owe the difference between the net unpaid balance and the Actual Cash Value of the vehicle, '' which is exactly what I am disputing.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient is my private student loan servicer and they were previously XXXX XXXX. The school I went to is XXXX XX/XX/XXXXand I requested from them theXX/XX/XXXX in order to dispute my loans and get them wiped off. They gave me the reasoning of my loans don't qualify which they have told me in other instances before. I don't buy it at all and even though I have paid so much money to them my loans were doubled in amount and I had no idea that it would be this much when i signed on which is my primary issue. They also mentioned the school wasn't a for profit school when the loan originated. This is being handled for many students in the XXXX and alot of people had no idea that this was a possibility.