davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (SC)

This is my second time writing to file a formal complaint regarding a CHARGEOFF/COLLECTION account labeled " XXXX XXXX XXXX ( Balance {$12000.00} ), XXXX XXXX ( Balance of {$7900.00} ), XXXX XXXXXXXX ( Balance of {$6000.00} ), XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MD)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (NV)

On XX/XX/23 this bank refused to close account with XXXX balance ending in XXXX because they conflated my data with previous closed account ending in XXXX, resulting in freezing account. This is an fraudulent attempt to blackmail me into funding a closed account to avoid future monthly fees.
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$20000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS (OH)

I have recently discovered that my credit information is not being updated or reported accurately. I kindly request that you review the information provided and ensure that my credit profile is updated correctly. Thank you for your attention to this matter. 
SSN # XXXX XXXX XXXX is associated with the address XXXX XXXX XXXX, XXXX, OH XXXX. 
As for XXXX XXXX,
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (CT)

this is specific to the payment history the mortgage company submitted in the previous complaint. 
# XXXX, XXXX # XXXX, XXXX, XXXX # XXXX # XXXX, XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, XXXX there are many they denied charging 2 times in one month. These are examples of just a few.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

Furnishing and Reporting Inaccurate Information ACCOUNT # 1 : XXXX XXXX ( Account Number : XXXX XXXX ) 1 ) Delinquency First Reported : XX/XX/XXXX- Not accurate, based on payment history provided by XXXX, I made a payment as of XX/XX/XXXX. ( Paid on Time ) 2 ) Date of Last Payment REPORTED as of XX/XX/XXXX - Furnishing and Reporting Inaccurate Information. XXXX is showing that XXXX reported a " Charge Off '' in XX/XX/XXXX. Again, not accurate! 

RESOLUTION : Delete Account and Negative Remarks from my credit report immediately. 


ACCOUNT # 2 : XXXX XXXX XXXX ( Account Number : XXXX XXXX ) Furnishing and Reporting Inaccurate Information 1 ) Reporting to XXXX that the account first opened XX/XX/XXXX and that the date of first delinquency was XX/XX/XXXX. These dates do not make sense or add up. 


RESOLUTION : Remove account and negative remarks from my account immediately. 


ACCOUNT # 3 : LVNV FUNDING LLC ( Account Number XXXX XXXX ) FAILED to provide documentation of verification and of the following requested information : Deferred Payment Start Date Date Closed Date of Last Payment Scheduled Payment Amount Actual Payment Amount Charge Off Amount RESOLUTION : Remove account and negative remarks from my account immediately.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

There is a collection listed on my Experian credit report from a hospital listed for XX/XX/2021. I can prove factually I was not in that hospital at the date listed on the report as I don't live within 600 miles of the listed hospital and have not been to a hospital in several years. I submitted the dispute with this information and they closed it stating they " verified '' the information, and " updated '' it, but all the information is the same. I have no idea how they could have possibly verified this, as again, I was not in the hospital at that time. If this is for a much older bill, then fine, but if it is, they haven't given me any information to know what/when this is for. Another reporting agency has already removed it.
Consumer complaint received 2024-01-27
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SD)

I contacted Citibank on XX/XX/XXXXXXXX  regarding my Best Buy credit card that had been closed without my permission. I was also not given warning in order to avoid the closure, notification after the closure, or any communication in-between. I only found out that the account was closed because I happened to log into my account online and saw a tiny little alert near the top of the screen saying " Your My Best Buy Credit Card account has been closed. '' I then called Citibank customer service and they told me the account was closed due to inactivity. Had the aforementioned notice been given, I would've ensured activity occurred on the card in order to avoid closure. The representative also mentioned that there was no way to reopen the account ( false statement ) and that I would need to apply for a new credit card, which, of course, would cause a hard hit to my credit report. I work for a financial institution and am fully aware that reactivations procedures exist, but they were not going to assist with the issue. The Citi Executive Response Team responded via email on XX/XX/XXXXXXXX claiming that they sent alerts via email on XX/XX/XXXXXXXX XXXX XXXX advising the account must be used on or before XX/XX/XXXX in order to keep the account open. Those emails were NOT sent to me and, as I stated to the customer service representative previously, I would have generated activity on the credit card had I been given any notice whatsoever. I then received a phone call from XXXX XXXX XXXX  who told me that she would not be reactivating the account because it's in the card terms that a bank can close an account without notice. She also stated that although it's not required in the card terms, that Citi does, in fact, warn all customers of upcoming closures. Because I was not warned, there is a disparate treatment and discrimination issue that is violating fair lending laws. Citibank employees have also been researching my XXXX and other social media from their personal accounts throughout the investigation of this case, which violates the Privacy Act and creates issues of prejudice in my relationship with the company. Following the phone call with XXXX, I received another email on XX/XX/XXXXXXXX  with repeated false information that emails were sent to me but they are extending accusations towards me that it's my fault that I did not see them. I read every single email I receive religiously, including junk mail. I have a very reliable email provider. Their refusal to reactivate the account after violating my privacy and banking rules & regulations has driven me to submit both an OCC and CFPB complaint in hopes of getting this resolved.
Consumer complaint received 2024-01-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (IL)

The car got repossessed four years ago and the company left me with a remaining balance of XXXX I paid the remaining balance on XX/XX/2022 thru a collection company call XXXX the company told me once I make the payment the account will be removed from all credit reports I been disputing this account for the pass four years and the company doesnt want to remove the account I paid for
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I recently opened an account with citizens bank and there are a lot of fraudulent charges on my debit card, totaling up to XXXX. I am a student and this is my fees money that I had been saving and deposited all my money in their bank. My school will withdraw my application and cancel my admission and life would be over if I dont pay my fees this week. I need help and my money back. All these charges are fraudulent. I have never in my life used XXXX
Consumer complaint received 2024-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (SC)

* On XX/XX/XXXX I requested an understanding of the large payoff amount. 
* I purchased the vehicle on XX/XX/XXXX and while purchasing was told the payment would be about {$500.00} a month, and here 's the warranty that comes with it. 
* At no time was I told this was an additional cost. 
* I was told to sign the XXXX for the agreed purchase price but was unaware I was being charged {$1100.00} for a Maintenance Plan. 
* This was an unfair and deceptive practice by XXXX XXXX of XXXX ( XXXX XXXX XXXX ). 
* Additionally, after I reached out online to SETF concerning the large payoff amount, they were unresponsive to my claim and waited to respond with an explanation until 3 days before the first payment was due. 
* Again, I believe this to be an unfair & deceptive practice to decline responding in a timely fashion. I got an initial response on XX/XX/XXXX from " XXXX '' to which I asked for further research on XX/XX/XXXX. I received no response for 14 days until " XXXX '' asked to give them 2-3 business days. On XX/XX/XXXX I was asked to give 2 more days by " XXXX ''. 
* As a consumer I believe I was tricked and deceived into agreeing to a Maintenance Plan that was not fully disclosed. I attempted to resolve this with Toyota and have gotten nowhere.
Consumer complaint received 2023-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (MD)

I took out a loan called a credit builder plus loan where I was supposed to receive {$300.00} at the end of the loan which was held in a credit reserve account. I paid the loan off on XX/XX/2023 and I still have not received my {$300.00} credit reserve payment. Every time I call to get help I am told a ticket has been created and the issue has been escalated but my {$300.00} payout still has not been processed.
Consumer complaint received 2024-01-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (WA)

I was paid on XX/XX/year> to an XXXXXXXX XXXX XXXX account, and late that evening initiated a transfer of money to BMO Harris Checking account to be able to pay my upcoming BMO Harris Mastercard bill due XX/XX/XXXXXXXX XXXX 
When I saw that the money wouldn't be transferred in time ( due to artificially imposed bank transfer slow downs ), I did the minimum payment with the understanding that it would cancel the automatic full payment. It did not cancel the full payment, and the full payment was taken. Since my checking account did not get funded in time due to the slow bank transfer, I was charged a {$25.00} returned payment fee. 

So even when I tried to pay the card twice before the due date, I was still charged a {$25.00} fee even though I was " in compliance ''. There is also no cost to the bank or the credit card for debiting my account when the transfer had not happened, so this is clearly just a " junk fee '' that the federal government is looking to ban. 

I called the bank, but they suggested that's just how the system works, and I have to pay their junk fee. 

How can we avoid these " junk fees '' that happen ( with no cost to the bank ) even when I am trying to be in compliance by transferring the money early, or making an on time, minimum payment? 

Also note, the next time, I actually disabled the automatic payment before my payment was due, but the full payment was charged anyway because I didnt disable the autopay " early enough ''.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (FL)

I talked to several reps they told me what my balance was I paid XXXX. I received a delinquent notice on my credit report. I talked to the supervisor he said he dont know they sent my account to delinquent cause I wasnt late. I live in a low income housing I am due for an upgrade but they go off of credit score. Cause of this issue I might be homeless. You 7 days to write to the credit bureaus to remove this delinquent or I willing be filing a lawsuit
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (CO)

Nelnet transferred the entirety of my student loan portfolio to another federal loan servicer. They did not update my credit report to reflect that. As of today, XX/XX/year>, the loan continue to show open and the last status date was XXXX.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MN)

On XXXX  I deposited a large check into my personal account a my chase bank. Later that day I received and email from chase stating that the funds would not be available till XXXX. I at that point I called them to have them manually release the check which I had in the past with out issues. The employee I spoke to told me that the hold had already been released and my funds would be available at XXXX XXXX XXXX XXXX XXXX  and confirmed it twice to me on the phone. The next morning I was disappointed to see that the funds were still on hold. I called in again and was told there was still a hold and spoke to someone in department that handles the holds. That lady said there was nothing she could to override it and then we were abruptly disconnected. I though it was very odd I was told one thing the day before and now a different thing so I called back. I asked to speak to a manager of the holds department after explaining everything to her just said she would get it taken care of I was on hold with her for awhile and said he submitted the request and the funds would be available in my account in the next 30-45mins. Well that never happened, I called back 3+ hours later and spoke to another manager in the same department. He said he saw the request was denied by the previous employee but he could fix it. I was on hold with him awhile and he told me he needed to speak to my attorney who issued me the check. He confirmed with him the check was 100 % legitimate and that I would see the money in my account within 20 mins. Guess what? That never happened. I called back in the morning of the XXXX and spoke to another manager who said they must have just not gotten to the review and he would send a priority message to his " back end team '' that does the reviews and I would see the funds in 20 mins. Surprise no money 5 hours later, and when I call they say it was just denied. I asked them why would 4 employees give me false information? Of course they would not admit to their coworkers lies. Here is the thing I understand checks taking forever to clear when its a large amount. But when I am told differently then that is what I am expecting. I was told but 4 different employees 4 different times and dates when to expect my money. Do banks have any obligation to be truthful to their customers? Are they able to make fraudulent statements to their customers without recourse regardless of their intent? Is it typical of banks to call the person ( my attorney in this case ) who signed the check and then disregard the answer they provided from said person? Also as Chase reminded me all calls are recorded so it will be very easy to verify everything I have said.
Consumer complaint received 2018-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (PA)

Cedar Financial - " Putting People First '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX This letter is to confirm once again per my XX/XX/XXXX letter that the aforementioned debt was not incurred by me, it is not my personal responsibility, nor is it my personal debt. See attached copy of my previous letter. 

I did receive your XX/XX/XXXX letter which wrongly associates and fraudulently claims the above as my personal credit obligation and personal debt. 

Further confirming the shoddy methodology of Cedar Financial, and the inaccuracies in Cedar Financials threats and activities, is the third page of your letter of XX/XX/XXXX in which you wrongly sent me a copy of the dunning notice in behalf of another of your clients [ see PDF ] based in XXXX, California  -- - a notice in which you are pursuing patient [ see PDF ]. The document you sent me includes the persons [ patients ] medical information, contact information and social security number. 

In wrongly sending me the document of one of your other clients and not the client whose debt you are claiming that I owe but which I do not owe and have no personal liability or responsibility. 

By sending me these documents that are relevant to another of your clients, your company, Cedar Financial Putting People First - along with your apparent client [ see PDF ] appears to have violated the HIPAA ( confidentiality regulations ) in the activity of your shoddy workmanship and shoddy collection activities. 

According to the The HIPAA Privacy Rule as published by the Health and Human Services Department of the United States Government https : //www.hhs.gov/hipaa/for-professionals/privacy/index.html The HIPAA Privacy Rule establishes national standards to protect individuals medical records and other personal health information and applies to health plans, health care clearinghouses, and those health care providers that conduct certain health care transactions electronically. The Rule requires appropriate safeguards to protect the privacy of personal health information, and sets limits and conditions on the uses and disclosures that may be made of such information without patient authorization. The Rule also gives patients rights over their health information, including rights to examine and obtain a copy of their health records, and to request corrections.

Cedar Financial and your client [ see PDF ] have evidently violated the HIPAA Privacy Rule by sending me the document, and evidently claiming that that debt for {$1400.00} claimed by the [ see PDF ] (  which I had never heard about and with which I have never been involved ) is somehow my personal debt, as you have claimed about your other client [ see PDF ] - - - and this needs to be reported to the Department of Health and Human Services, perhaps the Department of Justice and other relevant government authorities.