davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

I filed bankruptcy XXXX of XXXX. After it discharged, there was a reporting of a loan that was included in the bankruptcy. I submitted documents for proof and the credit bureaus were made aware. The disputes always came back immediately verified as accurate. Then there was a reporting of a late payment, after I spoke to both the creditor and credit bureau, advised both of the account in bankruptcy, and they still decided to move forward with the inaccurate reporting. It caused my credit score to drop XXXX points immediately after the reporting and I would like for it to be restored as quick as it was decreased. I cant move forward if instances like this keeps pushing me back. I seriously filed bankruptcy for a fresh start, not to just see how it works. 

Date Submitted Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results XX/XX/XXXX View Dispute Results Also submitted a consumer statement that was completely ignored : I HAVE INCLUDED THIS ACCOUNT IN A XXXX XXXX BANKRUPTCY AND IT IS A VIOLATION OF THE VIRGINIA LAW THAT IT IS BEING REPORTED TO CREDIT BUREAUS. I HAVE AN ATTORNEY, THEIR CONTACT INFORMATION AND A DISCHARGE LETTER FOR PROOF. AUTOPAY BOUGHT BAD DEBT FROM XXXX XXXX. THE CREDITOR DID NOT OBJECT TO THE DEBT WHILE IT WAS FILED AND COMPLETED.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

According to Citizen 's Bank Peace Of Mind overdraft fee, a person needs to have by the day after by XXXX need to cover the amount your account was overdrawn by the previous so as not to incur an overdraft fee. 
On XX/XX/2023 my account by days end was over drawn by {$78.00}. The following day I made 2 deposits ( {$40.00} + {$46.00} = {$86.00} ) leaving me with a {$7.00} balance. Later that evening a {$62.00} pre-authorized debit went through this leaving me with - {$54.00} balance. The day after I then deposited {$60.00} to cover my negative balance and to take advantage of their Peace of Mind Overdraft protection and to avoid paying {$35.00} in fees. I should have had a {$5.00} balance I saw though that I was not credited for the overdraft fee from the prior day even though I had made the deposit to cover it so I contacted costumer service to find out that the fee remained because I had a negative balance due to the {$62.00} pre authorized debit later that evening.

This is not in keeping with their Peace if mind policy. I brought my account to a positive balance the day after as their policy states to cover the overdraft amount of XXXX. Then as you can see in their debiting of my account a charge if {$35.00} when I had a {$7.00} balance. Why? I had a positive balance as their policy states. 

This then overdraws my account to - {$27.00}. Then they deduct the {$62.00} pre-authorized debit. So their contention that that the overdraft of {$62.00} causing their fee is wrong as can be seen in the included attachment. 

I honored their Peace if mind policy by bringing my account to a positive balance the day after my XXXX XXXX overdraft the day after. 
I also brought my account to positive balance after what should have only been a - {$62.00} overdraft to what should have been a positive balance the day after as well. So I honored their policy of having the account brought positive both times. 

Why was I then charged {$35.00} after I had a positive balance on XXXX? 
Citizen Bank then further overdrafts my account to then the {$60.00} deposit I made after the overdraft which should only been {$54.00} because I had a {$7.00} balance. So then the the {$60.00} deposit should have left me with a positive balance.
Consumer complaint received 2023-12-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Over 11 hard inquiries on my credit report that I did not make : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 Capital one auto finance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have made a full report on identity theft. XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (TX)

on XXXX a new charge on my PayPal account was summitted. I was unaware that a new account was open.in my name but different account number and e=mail address I got a letter in the mail from XXXX XXXX XXXX XXXX stating I own PayPal XXXX this is not my debt and contacted XXXX they inform me they would summit the information to PayPal for resolution and that I should summit a complaint to CFPB. if you need more information, please contact me thank you.
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC. (CA)

Have had many reports filed within a short period of time regarding issues with SOFI BANK as well as SoFi Securities and the misuse of my account before liquidating all of my investment assets and then closing my account without consumer requesting it be done! Then when contacted ( SoFi bank rep ) they gave me the run around about who actually did cash out the investments before closing and reopening followed by once again closing my account. The account I believe was either hack and duplicated or payments are being re-routed per XXXX XXXX XXXX. The same is currently being done with my XXXX XXXX XXXXXXXX Account in which Im still awaiting a XXXX XXXX SINCE the end of XXXX this year.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm writing this to report the late payment markings on my report. It shows multiple late payments which I do not remember that I have paid late on the stated months. Please remove the following late payments from my report. 

You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be fixed.
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I received an escrow statement from Carrington Mortgage Services on XX/XX/XXXX. 
They made an extra payment of {$1000.00} on my property taxes. As result, i called Carrington Mortgage Services and paid off the entire {$1000.00}. 
However I have to face the following problems : 1- I never received a new escrow analysis despite my request. 

2-Since XX/XX/XXXX I have spoken to several people who pretended to be the managers and experts in escrow analysis. But they never honored the request of sending me an escrow analysis and telling me my new mortgage payment. 

3- All the agents from Carrington were unethical and unprofessional. Among them, I can cite XXXX id # XXXX, XXXX id # XXXX, XXXX id # XXXX XXXX I firmly believe that Carrington Mortgage Services is overcharging me despite my payment of the entire difference on the escrow account. 

5- Given the unethical treatments i have endured with Carrington Mortgage Services for many years, I would like our mortgage to be handled either by XXXX  XXXX XXXX or XXXX XXXX where it originated from.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I had a bill due for XXXX of 2024 in the amount of {$110.00} for a mastercard. I get paid at the end of the month so I made the payment on XX/XX/year> in the amount of {$110.00} and mailed in the check. In XX/XX/year>, the credit card company sent me a bill stating that they had not received my payment. I didn't think much of it because it was the beginning of XXXX so I just figured that the payments crossed in the mail so I didn't do anything about it. In XX/XX/year>, I got another bill, this time with penalties and late charges stating that I didn't make the payment. I called the credit card company and they said they never received the payment. I called my bank and they sent to me the cancelled check front and back and that the check went through on XX/XX/year>. I then sent that proof to the credit card company. They claimed they needed proof that I made the payment again. I sent the proof of payment 3 additional times and they are still stating that they need proof that the payment was made. The credit card company demanding to be paid twice is akin to theft.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (AZ)

I have a previous complaint filed against Citi Bank with CFPB. Please reference my account. I have waited the allotted 60 days after the account was closed to receive my funds which CitiBank has said was issued to me. I have not received them. I call them and they can not provide me details and tell me I need to wait another 60 days to receive a letter stating why. I called the Citi Bank branch in Nevada on XX/XX/XXXX and spoke with the branch manager who stated that Citi Bank had issued a check for the remaining balance in my account back in XXXX and I should have received the check by now. I have attempted to call Citi Banks executive response unit and they have only responded with letters in response to voice mails saying they will no longer respond to my requests for further details about the money I am owed and I just have to continue waiting. I have these emails and will provide these. I am owed {$8800.00} from the date of closure which is clearly stated on the last letter from the Citi Bank executive response team as XX/XX/2023. It is well past the 60 days. My account number with them is XXXX. I have been told by customer service agents that my account does not even exist but then others say it does such as the branch manager. I have screen shots and paper trails such as wire transfers from my XXXX XXXX accounts to prove otherwise.
Consumer complaint received 2024-04-23
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (CA)

on XX/XX/XXXX I paid off my XXXX balance to my ikea credit card, serviced by XXXX XXXX I didn't think about it after this because I had paid off the balance. I was assessed a XXXX interest charge on XX/XX/XXXX, and then on XX/XX/XXXX I was charged a XXXX late fee ( 100 % of the new balance ). On XX/XX/XXXX I was charged a XXXX $ min interest charge ( about a 30 % charge on the new balance ). Then on XX/XX/XXXX I was charged another late fee of XXXX again 100 % of the new balance. So then on XX/XX/XXXX, I was assessed a XXXX $ fee, bringing my balance to just shy of XXXX $! 

I called today ( XX/XX/year> ) and the first person I spoke to told me she could waive all the fees and charges except the initial XXXX. Which still seemed ridiculous to me so I asked to speak to a supervisor. I was then transferred to someone who told me she could only waive XXXX late fee because they were only allowed to waive XXXX per XXXX  months. 

I tried to explain that the previous person I spoke to had told me that I would only owe the XXXX. And this new person I spoke to, the supervisor told me that I had been given incorrect information. I expressed my concerns about having my financial institution give me incorrect information and how am I supposed to know who to trust in my communication with them. 

The only option I was given was for them to file an internal complaint against the person who gave me " wrong '' information but there was no other alternative given. 

It is reasonable to want to get clear and correct information from a financial institution and at the very least to have them honor what I had previously been told.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I tried to communicate this matter with to get this account remove from my report in XXXX XXXX 've called numerous times to this revolve this issue the company has continuously violated my rights as a consumer. Which had hinder my ability to extend credit, worship God and provide purchases for my family and household use. These violations has also affected my XXXX  XXXX, self XXXX, performance on my job and my duties as a mother. I also have done an XXXX  report which will be updated along with this complaint. I have been delt with unfairly.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOFI TECHNOLOGIES, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate. Here is the item I am asking to verify as accurate. Sofi Bank
Consumer complaint received 2024-04-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: General Motors Financial Company, Inc. (GA)

I had my name on a vehicle that was repossessed over 20 years ago. XXXXXXXX XXXX XXXXXXXX out of XXXX Texas has threatened to sue me for almost {$15000.00} for this car. When my ex husband and I divorced, it was put in our decree that he was responsible for the car and all debt associated with it. Today I got a phone call and was told to call XXXXXXXX XXXX XXXXXXXX to find out more about the debt. When I tried to ask questions, the woman, XXXX XXXX, was very rude and refused to answer any questions. I didnt even know this was still a debt. I havent heard a word from this lender, Americredit, in over 20 years.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-03-25
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.