davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian closes out the day by notification of another LIE because you can never view the results it's a ploy to get you to call there non English speaking customer service reps to show they engaged but there is ABSOLUTELY NOTHING THESE PEOPLE CAN DO FOR YOU, SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM SCAM AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I contacted XXXX XXXXXXXX XXXX XXXXXXXX XXXX to make a payment arrangement for a debt I owed and wanted to repay. The original creditor was XXXX XXXX XXXX XXXX XXXX for a XXXX debt. I was transferred from the phone number I had for XXXX to XXXX XXXX, so I made payment arrangements with them. The arrangement was made with rep XXXX XXXX on XXXX, for an XXXX debit of {$25.00} a month to begin repayment of this debt, account number XXXX. Monthly debits began coming out of my checking account for this arrangement. On XX/XX/ XXXX XXXX I noticed that payments had not been deducted from my checking account for this monthly debit. I called XXXX but the XXXX XXXX XXXX phone number was reported by XXXX to no longer be in service. I then looked up XXXX on the internet, which took me to a news article for CFPB which stated that XXXX XXXX XXXX was no longer in business, that they had been sued by CFPB, closed down and fined. 

I would like for the three reporting agencies to remove this item from my credit reports. This is due to the fact that this company is not legitimate anymore and I will need to figure out who now has the debt and start over to get it paid back. Whether or not a new debt collection agency will report this debt to the credit bureaus has yet to be determined. 

Thank you for your assistance with this matter. I really appreciate your assistance.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Is to remove all the inquires off of my credit. I just turned XXXX and i havent put any of these inquires on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (OH)

I ordered my XXXX XXXX XXXX report and my entire banking transaction 's are listed in that report. According to XXXX XXXX XXXX the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TN)

I have XXXX dollars in bank account and they refuse to give to me because they couldnt get me verified. I have given social security. DOB, address, drivers license, security code and they called my phone and I provided a code. They said none of my informations matched their system but when they hung up on me, the next person said it was correct. I waited XXXX weeks for paper to come to address on file and provided the reference code to unlock account and they said it still wasnt good for them. I told them that this is fraud that they are stealing my money and I seek damages as well since Im having to deal with this. This Citi bank is fraud and they are stealing my money. XXXX trying to get my money that is in the account back and I am done with this scam company. They will not give me my money back. XXXX weeks now Ive been trying. Today is XX/XX/year> Citi bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX account number XXXX has reported to Credit Bureaus ( Experian ) a debt in the amount of XXXX XXXX XXXX XXXX and XXXX Dollars as it states on my credit report, I did not receive any initial communication from XXXX XXXX XXXX, I do not know nor have any business with XXXX XXXX XXXX, XXXX XXXX XXXX failed to send initial communication causing a failure for me the consumer to not be able to dispute this account, they claiming I owe.
Consumer complaint received 2023-12-01
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. (FL)

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-30
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: Shellpoint Partners, LLC (FL)

Due to a storm in XXXX, we experienced damaged to our roof. We filed a claim with insurance company to fix it but received the run arounds. They also increased our premium significantly. We were unable to renew the insurance with that company or purchase new insurace due to damaged roof, causing us to lapse in coverage in XX/XX/XXXX. Our mortgage serving company ( XXXX ) notified us that they would add XXXX XXXX XXXX ( XXXX ) on our home for {$7800.00} for the remainder of the 2023 year. In XX/XX/XXXX, we were charged an additional {$1500.00} on our mortgage to cover the cost of the ( XXXX ). In XX/XX/XXXX, we receive a letter from XXXX stating that our mortgage was transferred to a new serving company ( XXXX ) and that they cancelled the XXXX. In XX/XX/XXXX, we received a letter from XXXX stating that we needed to acquire homeowners insurance by XXXX or they would add XXXX XXXX XXXX on our mortgage. We ended up getting our roof repaired and acquired insurance through XXXX. We paid the premium in full and sent XXXX proof of coverage and payment to via provided email address and physical address. XXXX went ahead and made an additional premium payment to XXXX and billed against our Escrow. 

Though we did not have XXXX XXXX XXXX through XXXX we have been charged the additional {$1500.00} for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We contacted both servicing company to find out why we were still being charged the cost of XXXX for the months that we did not have insurance and have been given the run arounds. 

We have requested in writing that XXXX completes an Escrow analysis and refund us of all money paid in excess. That has not been done. We requested that they request a refund from the insurance company of the double payment to bring out escrow back into positive. That has not been done. 

Every document we submit to XXXX has magically disappeared. Every conversation has conveniently not been documented. We are frustrated, scared, and believe that we are being set up to lose the home we've worked so hard to purchase and maintain. We do not know what else to do to stay in our home and have the servicing company do what is ethically, morally, and legally correct. 

Please assist us.
Consumer complaint received 2018-12-19
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: Experian Information Solutions Inc. (NV)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. XXXX   failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX XXXX XXXX.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Inquiries Unauthorized Transunion Report XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX &XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX For XXXX XXXX {$1800.00} XX/XX/XXXX
Consumer complaint received 2024-01-30
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Preferred Collection and Management, Inc. (FL)

I have requested Several times for Preferred CMS to Cease and Desist from using and is PROHIBITED from using, reproducing, publishing, buying or selling the Private Property XXXX XXXX XXXX associated with social security # XXXX of the Estate. They will not stop contacting me about debt I do not owe. I do not have a contract with Preferred CMS. If they can produce a contract that I have with them they need to forward it to me. 

15 USC 1692 - Communication in connection with debt collection, https : XXXX ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt,
Consumer complaint received 2017-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

During the month of XX/XX/XXXX I received a phone call from XXXX XXXX stating that there was suspicious activity on my account. Sure enough when I looked into the issue my entire bank account was depleted. Someone had accessed my card number and withdrew maximum amount of money at various ATMs in XXXX, RI. After I made a complaint with a XXXX XXXX, they denied me the money and said that those were not their issue. Due to the fact that the money had been taken out if XXXX bank ATMs they would not refund me anything. They told me to claim a second case which the same thing happened. After I filed a police report with the XXXX Police, and it was proven that the withdrawals were fraudulent, the bank still refused to give me my money back. It has now been over 7 months!
Consumer complaint received 2024-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

On XX/XX/XXXX I filled out the contact form on the Nelnet website while logged into my account. I never got a response. On XX/XX/XXXX I sent a separate email to the email address demanding a response from the email address associated with my account. After 6 days they responded asking for my account number and info and my question. I gave them all of that in response on XX/XX/XXXX and they never responded. I followed up on XX/XX/XXXX asking again that they respond. They responded today refusing to assist me via email and saying I HAD to call. I can not call due to my work hours and their call center hours, and when you do call the wait times are hours long. They must reply to me and help me by email. They have illegally capitalized interest payments into my loan without informing me they are doing so. They also have the incorrect schools on my loan. One school is listed at XXXXXXXX XXXX and the only money I owed them was dissolved in bankruptcy so if they want me to take this loan back to XXXX XXXX I will, but the loan actually belongs to XXXX XXXX, they both do. I do not owe any money to XXXXXXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

Signed up and approved for Chase XXXX XXXX XXXX XXXX card on XX/XX/XXXX. For a cost of {$99.00} USD, ( charged to me on XX/XX/XXXX ), Chase promotional offer was XXXX XXXX points with a requirement that I spend {$3000.00} within the 3 months. 
Attachment provided ). I have called 3 times and emailed once but have not had a resolution. My last call was on Sunday, XXXX XXXX. Last rejection email was dated XX/XX/XXXX. Attachment included
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-01-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: SYNCHRONY FINANCIAL (NC)

I called Synchrony Band customer service on XX/XX/year> and asked if I would get their advertised certificate of XXXX XXXX APY for XXXX  months if I funded my unfunded Certificate of Deposit account on that date. The Synchrony Bank agent stated that I would, and did not mention any qualifiers or any possibility that I would not get this advertised rate. ( This conversation is on file with Synchrony Bank. ) I immediately funded my CD account via ACH transfer that day, XX/XX/year>. When I checked my account XXXX days later, Synchrony Bank had only given me XXXX XXXX APY on my CD. It is apparent they lied to me about the interest rate I was to receive and thus subsequently cheated me out of several hundred dollars over the course of the XXXX month CD.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

Dear CFPB, I am writing to file a complaint against Apple Card Goldman Sachs for their inadequate handling of a disputed transaction, leading to a blatant mishandling of funds. 
Dispute case number : XXXX Transaction date : XX/XX/2023 Merchant name : XXXX Disputed amount : {$79.00} Amount to be rebilled : {$79.00} The seller, XXXX, promised a Free Return, but upon my request for a return label, they only provided an address and expected me to cover the return shipping cost. Subsequently, I initiated a dispute, seeking intervention from my bank against the dishonest practices of the seller and XXXX. 

Despite providing ample evidence, my bank informed me that the Apple Card transaction dispute investigation is complete, and the disputed charges will remain on my account. 

I previously requested the case to be reopened, as the {$51.00} had been charged back by the merchant, yet they continue to demand payment from me.

This mishandling of funds has persisted for five months, and today I was notified that this amount is now considered my debt. I am deeply dissatisfied with Apple Card Goldman Sachs for their unethical behavior of benefiting from both the merchant and the customer. 

I urge the relevant authorities to investigate and supervise the actions of Apple Card Goldman Sachs in their financial dealings and dispute resolution processes. 

Sincerely, XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Applied Data Finance, LLC (TN)

XXXX XXXX Received a bill from debt collector XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX I owe {$3700.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This has been paid in full photo copy 's stating as well. 
Further more. I have no income now due to health issues.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sykes,Bourdon,Ahern & Levy, P.C. (VA)

This complaint is concerning a debt collector without permission accessing my employment data report from the work number from XXXX on XX/XX/2024. Companies are only allowed to procure my data from this report if I give permission to do so. Having a debt collector accessing this information illegal violates my rights according to the FCRA. This can damage my chance for future employment and future housing opportunities. If someone is looking to verify employment or income they must allow me to direct them to XXXX which this debt collection company Skyes , Bourbon , Ahern & Levy P.C did not do. Plus the data report states they accessed the report for employment purposes. I never applied for a job with them or applied for any type of product or service that allows them access to my report. Accessing my data report for employment purposes is false and violates my rights according to the FCRA.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (OK)

Provide proof that the 15 USC 1691 c ; 15 USC 1642 ; USC 1681M and USC 1692K doesn't apply to them. They denied me of my credit and violated my rights. I stated my credit worthiness and the chose to discriminate me. I have sent 3 notice of their law breaking via certified mail. I explained their actions qualify as an adverse action on a consumer and it is unlawful for any creditor to discriminate against an applicant with any aspect to their credit, withholding access to my securities is securities fraud.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

In the spring of XXXX I had some dental work done at a local dentist office. After the work was done the dental bill was like XXXX dollars owed. I was given the option to apply for a XXXX XXXX credit card. Which sounded like a good idea, where I was told that I could just make monthly payments, like any other credit card that I have. My monthly payments were like XXXX dollars month. Unknown to me I was offered a promotional plan that had a expiration date if the balance was not paid by a certain date that I would be slammed with an outrageous interest charge! Had been making my scheduled payments on time, when out over nowhere I went from having a owed balance of {$260.00} to an unbelievable new balance of {$630.00}! I was hit with a {$370.00} interest charge and a {$37.00} fees charged. I'm XXXX XXXX XXXX and have a fixed income. What XXXX XXXX did to me was very unfair, and I would think this type of lending would fall under predatory. I did reach out to XXXX XXXX to let them know that I had no idea what the Credit Card company had an expiration dates as far as the balance. XXXXXXXX XXXX pretty much told me so sorry so sad!