davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (NY)

I called yesterday to try to make a payment in full which is {$280.00}. But I have a recurring payment every month which is {$50.00}. So I called the customer service of the build company today to make sure they wont double charge my bank account. I found out the payment of {$280.00} didnt go through. They told me to call my bank which is XXXX XXXX XXXX. And I did. The bank said they didnt see any attemp or transactions from the build card company. So I called back n asked to speak to the supervisor. The supervisor said she cant collect the money either told me to call my bank. I already close the build card account, but today is the due day. If I dont pay it in full today, I will end up paying the interest tomorrow. This is is why I spent my day calling back n forth n still cant make the payment in ful. Funny, the customer service told me my recurring payment of {$50.00} dollars is going through tonight, but I cant make my payment in full. So I guess, the build card company just want me to keep on paying the interest every month instead of paying in full. It wastes my time of the day talking on the phone back and forth and still cant solve my problems.
Consumer complaint received 2023-10-17
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. (NJ)

Good afternoon, I'm still seeking your assistance in addressing the continuous violations of my consumer rights by consumer reporting agencies and financial institutions. These violations include FCRA violations, inaccurate reporting, unresolved disputes, mishandling of personal and private data, and unfair practices in truth in lending. Despite my efforts to resolve these issues, I have not received a satisfactory resolution. Is a class action suit against the entities involved necessary to receive remedy? If you look at my consumer reports you clearly see the inaccuracies and violations. I kindly request your intervention to investigate this matter and advocate for justice on my behalf. See attached supporting documentation. 
Please advise. 
Yours sincerely, XXXX XXXX
Consumer complaint received 2022-12-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I opened an account on XXXX XXXX to take advantage of a bonus offer that requires transferring a certain amount of money ( {$100000.00}, in my case ). Prior to opening my account, I called XXXX XXXX to figure out how I could transfer securities from a competitor ( XXXX XXXX ) and specifically asked if there were any associated fees with such transfer and was told that there should not be any fees or, if there were, that they would be waived since I was a new customer transferring a large amount. 

I initiated a transfer of all my securities from the competitor on XX/XX/2022 and the securities were transferred, and in my new XXXX XXXX account, on XX/XX/2022. However, there was a suspicious charge on my account of {$75.00} ( labeled " Transfer / Adjustment ADJ TRF DEP DR XXXX XXXX '' ) and, after contacting XXXXXXXX XXXX  by phone, I was told that this was a transfer fee that would be reimbursed to me. 

More than a month later ( in XXXX ), realizing that the {$75.00} fee was still not reimbursed, I contacted XXXX XXXX by phone once again and was told that the fee would be reimbursed " within 2 weeks ''. 

We are now in XXXX, I have already spent multiple hours on the phone ( there is no way to contact XXXX XXXX by chat, email, or secure messages ) trying to resolve an issue that I was told, no less than 3 times, wouldn't be one. As such, I am opening a CFPB complaint.
Consumer complaint received 2022-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consolidated Recovery Group, LLC (GA)

Consolidated recovery group has placed a neg account on my credit report they have violated my consumer rights I never received notice that I owe a debt. I never signed a contract with this company nor have I given them permission to share any of my personal information I have asked that they verify the debt they claim They have not done so I demand that they delete the account of my consumer report This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, XXXX XXXX XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15 USC 1692c ( 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. 
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous, and misleading information to at once. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (FL)

My name is XXXX XXXX. I became a victim of identity theft a couple of years ago. After that incident I have noticed many incorrect and unauthorized items appear on my credit report. So, I am requesting that you delete all the following inaccurate and fraudulent items from my credit report immediately. Here are the Accounts- XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX, and XXXX XXXX XXXX Account XXXX XXXX I sent certified mail several times to address this matter and no response at all I have proof that I sent, and they received because they signed for it. they are trying to collect the wrong thing they don't have the right to collect on this account. I never signed anything with this company. I even sent it to XXXX, and nothing was sent to me to validate this debt or any of the above according to the law 15 us code 1681 procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through reseller of such dispute the agency shall free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph 5 before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


The credit reporting agencies have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft, and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). They have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2022-06-03
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 with my written instructions.
Consumer complaint received 2020-02-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I requested and received a payoff amount from Specialized Loan Servicing ( SLS ) for loan which was good thru XX/XX/20. The amount of the payoff was {$94000.00}. A wire was sent from XXXX XXXX XXXX to their bank XXXX XXXX and confirmed several times by my bank. I sent another payoff for another mortgage loan on the same day to XXXX/XXXX. XXXX. 

By Tuesday the following week the XXXX XXXX account reflected a zero balance while the SLS hadn't. I called them on Wednesday, XX/XX/20. They said they hadn't received it and they would issue a request to their cash department to locate the funds after I faxed them the wire request completed at my bank. I was told I should also expect to hear something by XXXX. XXXX???? 

Having not heard anything and seeing online the account still had a balance, I called again the following week since it shouldn't take two and a half weeks to locate an almost {$100000.00} wire. Again I was told they hadn't received it and would place another request to their cash department to look for the funds. The cash department that I couldn't be transferred to nor could they conference call them in. 

Another week goes by, balance hasn't changed and no call from SLS. This time I had a printed confirmation from XXXX XXXX XXXX 's system that they provided me confirming that it was received by XXXX XXXX. The customer service person said her manager, XXXX XXXX, would like to see that and they would get back to me. I emailed it. This was XX/XX/20. 

On XX/XX/20 after no calls from SLS I called again and ended up speaking with another manager, XXXX XXXX. She said the wrong payoff amount was probably why it wasn't applied and that their system would immediately return incorrect payoff amounts. This was almost 3 weeks later and she couldn't confirm whether it was received or returned. I emailed her the exact payoff documents they sent me showing the payoff being the amount I sent. 

After stewing overnight I went to XXXX XXXX XXXX to have them recall the wire. They looked and said it was returned XX/XX/20. They returned {$94000.00}. {$50.00} less than what I sent. Immediately called SLS for an explanation. That was XX/XX/20. I have yet to get an explanation as to why they held my money for 3 weeks and kept {$50.00}. I want my {$50.00} back and I should be compensated for the interest I could have made and they certainly earned on almost {$100000.00} for 3 weeks.
Consumer complaint received 2022-06-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Revenue Assistance Corporation dba Revenue Group (OH)

I have called this co. 3 times about this and they insist on me giving my personal info such as social number and date of birth and I refused. I gave them the reference no., they told I had to give them my DOB ans last four of my social which I refused and they hangup the phone. a XXXX XXXX told me if I did not give the info they requested they would not have to talk to and he hungup on me. 
I TRIED TO TELL THEM EACH TIME I DO NOT OWE THIS DEBT THEY HUNG ON ON ME. I FEEL LIKE THIS WAS VERY RUDE AND DISRESPECTABLE TO ME AS I WAS NOT GIVEN THE OPPORTUNITY TO EXPLAIN. 
THEY WERE RUDE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (OH)

I previously lodged a complaint against Kimball, Tirey, and St. John on XX/XX/2018 detailing overwhelming evidence, coupled with dates, indicating I am not responsible for the debt they are pursuing me for. This debt appeared on my credit report and, after lodging my previous complaint, it was removed as I am clearly not contractually or legally responsible for the debt. 

I am lodging an additional complaint because Kimball, Tirey, and St. John are continuing to send paperwork to my home addresses to me, in spite of the fact that I am not responsible for the debt. Moreover, they have contacted individuals I am in contact with to pry them for i information on employment and income, representing themselves as apartment managers confirming employment for a recent apartment rental application. Thus, they are misrepresenting themselves to pry personal and confidential information for which I have not authorized them to access.
Consumer complaint received 2023-04-10
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. (NY)

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 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 2022-06-03
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: EQUIFAX, INC. (MD)

XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 
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
Consumer complaint received 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the rights 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.

This is not my account I asked for the bill and was sent a bill with someone else 's name this is not my bill and needs to be removed from my report. I've attached the bill to this complaint.
Consumer complaint received 2022-12-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Bread Financial Holdings, Inc. (FL)

They need to stop coming to the house being abusive knocking on the windows walking in the yard peaking through windows writing down license plate number threatening to go to job, talking to neighbors and harassing minor children. We hardly finished overcome a bad hurricane. This is added stress
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

Comenity Bank is charging additional fees after an account is closed. 

I called and asked to cancel my account and to decrease the membership to {$55.00} on XX/XX/2022. The bank decreased my membership a month after, but never notified me about the remaining balance they just keep on adding additional charges. 

I got a call today XX/XX/2022 asking for payment in the amount of {$160.00}. Why are they adding fees when I asked to cancel my credit card. 
Bank waived {$40.00} fee only and keep all other fees. 

XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$40.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$36.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$29.00} XX/XX/2022 XXXX XXXX  XXXX XXXX XXXXXXXX RETURN - {$55.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX PURCHASE {$110.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX RETURN {$0.00}
Consumer complaint received 2022-04-15
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. (SC)

XX/XX/2022, Transunion - I noticed several inquiries on my Transunion credit report. I did not give these companies PERMISSIBLE PURPOSE to my credit report. I have attached my most recent credit report and highlighted the companies that I did not give permissible purpose to veiw my credit report. The name of these companies are : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

iIn auditing down my checking account i had found that I was charged an overdraft fee since XXXX ; XXXX at {$35.00} ( {$840.00} ). I have a full spreadsheet showing the balances etc I can supply and will below. 

I went as far as to calculate what my balance would have been if not charged the fee. 

When I was charged the fee I had a positive balance in the account or within their grace period. 

I had opted out of this service over a year ago and they tell me that their policy had changed. When I tried to get them to look at it, you can not send them documentation, that they looked over the claim and the charges were correct. How could they do so if I could not supply the documentation.
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

National debt collector stated loan was taken out from XXXX bank for the loan amount of XXXX on XX/XX/XXXX and it was sent to a XXXX XXXX account ending XXXX XXXX, an account in my name controlled by my exboyfriend A payment was made XXXX XXXX XXXX, but not by me and then it went deliquent. an email : XXXX was given which my ex had acess too. A DL was given but no number is on file. the reference number for national debt collectors is # XXXX
Consumer complaint received 2022-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

My mortgage company failed to pay my tax bill on time and now there is a hefty late fee. My mortgage has an escrow account for my homeowners insurance and my taxes. I called to notify them several times last year. Called the town to notify them. They have failed to pay the late fee they incurred. My mortgage payments are auto drafted. Zero reason for any late payments. That fee has now carried over into my XXXX taxes due XX/XX/XXXX. I will not pay ANY late fees because they didnt submit payment in time. Now theyre trying to raise my mortgage payment to offset the late fees. This is insane. My escrow balance to date is {$880.00} my spring taxes are only {$470.00}. The delinquent tax is {$100.00} plus a penalty is {$10.00} Carried over from last year. So how is it monthly I contribute {$370.00} into my escrow account that covers my homeowners insurance and my taxes for the year. My homeowners policy is {$2600.00} for the year or {$210.00}. My property taxes are {$940.00} Total yearly liability of {$3500.00}. Now if my total liability is {$3500.00} and PPH is taking out $ XXXX {$4400.00} how in the heck do I owe anything? That would be because they made my tax payment late. I called and nothing was resolved. I have since called again this morning. Of which they wanted to send me to voicemail again. I said no I want a supervisor. Which now leads me to waiting again to see if they fix their mistake without trying to charge me for their mess up.
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (GA)

I've been a user/customer of Binance.us since XX/XX/XXXX. In order to report and file my taxes, I tried to log into my account on XX/XX/XXXX to download my transaction history and any tax forms they have for me. Instead of allowing me to log in, Binance.us confronted me with an extremely intrusive consent form that would require that I allow Binance.us to collect AND share highly sensitive biometric PII data with third-party companies. For obvious reasons, I can not and will not consent to this attempted theft of personal information. 

They only provide an option to say " yes '' or to log out. Failure to grant them this consent disallows access to my own account, so they are holding my money and my XXXX tax reporting information hostage at the price of my very private personal data. They did NOT provide any prior warning of these unilateral change, and they did NOT provide the ability to transfer our my funds and close my account and opt out of their scam. I have been trying to work with their useless support team since the XXXX, but they've done nothing whatsoever except provide canned or nonsensical responses. 

I spoke with a tax expert from XXXX who believes that what Binance.us is doing is illegal, and I have informed Binance.us of this. I am currently unable to properly file my taxes due to Binance.us 's likely crimes.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Ive submitted documentation to XXXX XXXX, Experian, XXXX and XXXX indicating that there is a bankruptcy listed on my credit report ( s ) for which is inaccurate. Ive contacted the court for which they have claimed to receive documentation from who denies any information pertaining to a bankruptcy under my name is accurate. This documentation was submitted to the credit bureaus and XXXX XXXX. Ive tried disputing the bankruptcy numerous times for which they have failed to remove it and now I shall take legal action.