davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

I have paid off my balance on this card, but they have not updated my available credit with the reporting agencies for months! Many other people are having the same problem! 

What is being done to investigate Comenity bank? Their systems have been down for months now. I filed a previous complaint for not being able to utilize my card, but I received no resolution to the problem. Take a look at their XXXX  page which is filled with customer complaints and robo-responses from XXXX. What else can we do to raise the alarm? To whom else do we complain?
Consumer complaint received 2022-10-01
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. (CA)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-01
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding is attempting to collect a debt that originated from XXXX who verified that I was part of the FCC settlement that XXXX agreed to settle allegations of billing customers XXXX of dollars in unauthorized XXXX-party subscriptions and premium text message services.
Consumer complaint received 2015-07-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (LA)

On XX/XX/XXXX We sold a Ford F250 truck to an individual. We did not remove the license plate from the vehicle at the time of sale. The new owner apparently did not register the vehicle in his name and acquire a new license plate. He acquired XXXX parking violations ( XX/XX/XXXX and XXXX ) which totaled {$20.00} each plus penalties, for a total of {$160.00}. He failed to pay the tickets and we were sent the citations, because the license plates still showed us to be the owner. When the City of XXXX XXXX sent us the citation I sent them a letter and copy of bill of sale and title transfer. They continued to send notices and I would each time send copies. They referred the matter to XXXX XXXX XXXX and they began harassing calls and letters. I sent them the copies as well. XXXX XXXX has now passed on the debt to Transworld Systems who has continued the harassment. I copied them on the same information on XX/XX/XXXX. In response, On XX/XX/XXXX I received their " validation, '' which is the same info of the date, time, ticket #, truck plate. I want all correspondence to cease regarding this debt which is clearly not ours. In addition to the collection agencies we also had a revocation of motor vehicle registration privileges placed on us by the XXXX DPS, which required more documentation and time to clear up.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid 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: SLM CORPORATION (NC)

Dispute : XX/XX/XXXX, XXXX {$640.00} and XX/XX/XXXX, XXXX {$590.00} I am writing to request for Sallie Mae to stop reporting the balance of {$1200.00} and any associated interest charges, and late fees that Sallie Mae continues adding and reporting to the consumer agencies immediately. Sallie Mae stated that they are not able to verify my claim regarding my dog 's burn injuries and, therefore, are unable to initiate a chargeback. Sallie Mae also stated that I must provide the decision from the XXXX  XXXX XXXX XXXX to confirm my claims. Please find attached a letter of Reprimand for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX received today. The members of the XXXX found that the veterinarian in question had violated N.C. Veterinary Practice Act and Board Rules, the Board agreed that the injuries my dog sustained are burn injuries and these injuries were caused by merchant negligence. A civil monetary penalty was also imposed. This letter will also be a public record and will be available to view on https : XXXX XXXX 
I am asking immediately to stop reporting the balance of {$1200.00} to the consumer agencies and adjust the balance accordingly. Sallie Mae was also adding interest charges and excessive late fees. Instead of a {$25.00} late fee, they started to add a {$39.00} late fee and added interest charges on 15 months with 0 % APR as per the agreement. 
Sallie Mae 's incorrect reporting caused significant damage to my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) Sallie Mae is liable for these damages for negligent and willful noncompliance with the law by reporting incorrect balance.

Sallie Mae also started to harass me even after I emailed them cease and desist email and asked twice not to call me on the recorded line. The complaint about harassment with relevant documents will be filed separately. 
Attachments : Sallie Mae 's statement for XXXX, XXXX, and XXXX shows late fees, interest fees, and the charges for {$590.00} and {$640.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022 Invoice from merchant dated XX/XX/2022 for the amount of {$640.00} and invoice for XX/XX/XXXX XXXX for the amount of {$590.00} As the merchant did not provide services as agreed and Sallie Mae failed properly to investigate my dispute, I am not responsible for these charges.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (AZ)

i sent a dispute by mail asking what form of verification was used to verify the said Debt that doesnt match my records. they claimed that the furnisher has verified it and they dont need to show me proof ... iv reached out to the funisher and they havent responded to my mail or phone calls, yet XXXX  still claim its verified ... its been 6 months iv tried working on this and im being told the same thing ... iv requested informtation regarding the verification on the debt with 2 certified letters now and havent recieved anything but a credit report copy, that i can get get online for free...
Consumer complaint received 2022-10-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NY)

Chime has suspended my account without telling me, and I do not have access to the funds I held with them. I tried to have it unlocked in XXXX ( communication happened on XX/XX/XXXX, XXXX, XXXX, XXXX ) but I did not follow up. I tried to have it unlocked again in XXXX, and still have not managed to do so. I tried to switch the email address associated with my account ( because I suspected that their messages are being filtered out as spam by my provider ), but they could not do it. I also told them I have moved, but they said they needed a proof of address for the address that I entered when opening the account. 

They are requesting documents from me ( government ID, secondary ID, proof of address for the first address ), all of which I have supplied to them ( several times from an email address different to the one on my account, and twice from the respective address on XX/XX/XXXX and XXXX ). I call them on an almost daily basis ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) and am ( among other things ) being told that my documents are being reviewed and someone will get in touch ( which they never do ) or they make up some stories about departments that don't exist. Every time I call, the person ( even supervisors ) tells me that I need to send them the documents and I have to tell them that I already did and am waiting for an outcome. Then they say they are forwarding the case to the back office for checking and that they will message me, but no one has ever written back. 

I have money in that account, they suspended my account for no good reason, never told me about it and are ignoring my requests to lift the suspension to gain access to my money.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (IL)

Please check the status of these accounts. It is entirely wrong, to begin with. I was never late on these accounts. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$15000.00}
Consumer complaint received 2024-04-04
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 (CA)

SHELLPOINT has not ever provided an account number AND loan number at the same time. They move the account number over to the loan number as if they are one in the same. 

Received the response from Shellpoint for the XX/XX/year> Complaint and it's entirely false. 

1. there are NO executable signatures on any of the documents provided.

Part 4 Has no authorized signatures even allowing this process to occur. 

Part 3 XXXX XXXX is my lender and theres been no documents signed by borrower allowing any transfer. No executable documents. 

Part 2 a. All Covenents have been performed and theres been no evidence to show otherwise. The only change the borrower took was to exercise her right to pay principle first with penalties and then the interest. 

b. There has been no forfeiture or condemnation of property. 

c. There has been no abandonment of property When borrower was paying mortgage payments online with the option to pay principle only, borrower exercised that right. Then NewRez removed the option, closed the online acct and started foreclosure proceedings. 

Turned it over to some foreign entity, without any knowledge of borrower. Provided false information to pursue this foreclosure and land grab. 

MOST IMPORTANTLY, THERE ARE NO DOCUMENTS WITH SIGNATURES THAT EXECUTE ANY OF THE DOCUMENTS PROVIDED. 

I'M AUTHORIZING CFPB TO TURN THIS OVER TO INVESTIGATION AND REVOKE ALL LICENSES AND CERTIFICATIONS.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UMB FINANCIAL CORPORATION (OR)

This complaint is about a credit card account I closed. 

On XX/XX/2024 I contacted UMB Bank XXXX XXXX and told them I want to close my credit card account and have them return to me the over {$77000.00} credit balance on the account. The credit card account has been closed and Ive attached the letter from UMB confirming closure. 

On XX/XX/2024 ( XXXX PDT ) I received a call from someone at UMB Bank XXXX XXXX ) who told me that the bank wants me to reopen the account and spend my funds at XXXX ( an XXXX XXXXXXXX XXXX OK XXXX XXXX dealer ) rather than having UMB Bank return my funds. The male told me that if not his approach, then returning my ~ {$77000.00} to me would take 90 days. 

I think it was wrong for UMB Bank to ask me to reopen the account and spend the funds at XXXX. Additionally, I assume there are regulations about the amount of time a credit card company has to return funds to the owner when a card account has been closed. It may be 90 days, but I hope its less and if it is less then it was wrong to say it would be 90 days. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, OR XXXX XXXX XXXX ( XXXX ) Attached ; Credit Card account closure confirmation letter from UMB Bank Card Services
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (MA)

American Express unexpectedly lowered my account limit from {$10000.00} to {$6200.00}. When I called and requested further information, they stated that a periodic review had encouraged the decrease, due to my " balance-to-payment '' ratio. However, I believe this is a fair lending violation. I previously held an American Express credit card with my former-boyfriend ; he was the main account holder. Throughout his tenure as a card holder, his credit limit was never decreased, it was, in fact, increased, despite his high balance and minimal monthly payments. With his consent, I accessed his account today and found that, even though his balance was over {$8000.00} and he has only been making the minimum monthly payments, his credit limit had not decreased and had, in fact, been increased on a separate American Express card, on which he also carries a high balance and makes minimum monthly payments. As a female who makes more money than my former male counterpart, I am outraged that my credit limit was decreased, despite a lower balance and larger monthly payments. I believe this is a clear example of discrimination against females.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (FL)

I called Amex on XX/XX/XXXX to request a few extra days to pay my bill due XX/XX/2017. The representative was kind enough to give me a thirty day extension. I noticed on XX/XX/XXXX a late fee of {$38.00} was generated. I called Amex and explained that I had been given an extension and they credited the late fee. To my surprise on XX/XX/XXXX I was hit with a {$550.00} finance charge. I called Amex on XX/XX/XXXX and after first being told they could n't do anything a supervisor told me they would have to investigate the XX/XX/XXXX call and it would take XXXX business days. Five business days elapsed and I 've been told they have no timeline for resolution. Today I was hit with a {$230.00} charge that I was informed was a trailing interest charge from last month though I paid the balance in full on XX/XX/XXXX when it became obvious they had made an error with the grace period.
Consumer complaint received 2024-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (SC)

I sent a certified letter, with a negotiable instrument for the payoff of the loan. Included were instructions on how to process the instrument and if they refused the instrument the debt would be discharged under : U.C.C. 3-603 ( b ) states : If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 



U.C.C. 3-311 ( a ) and ( b ) state : ( a ) If a person against whom a claim is asserted proves that ( i ) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( iii ) the claimant obtained payment of the instrument, the following subsections apply.

( b ) Unless subsection ( c ) of this section applies, the claim is discharged if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim.

The letter also included that if they refused the instrument, they needed to inform me and return the instrument, it has been in their possession and they haven't returned it. Which is now causing this to be securities fraud.
Consumer complaint received 2022-10-16
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. (AL)

in accordance with the fair credit reporting act convertgent account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without mt written instructions
Consumer complaint received 2022-10-16
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. (AL)

in accordance with the fair credit reporting act convertgent account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without mt written instructions
Consumer complaint received 2023-03-04
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION (CA)

I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$14000.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.
Consumer complaint received 2022-10-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Hi, I tried at least 5-10 times to resolve this problem and explained everything to the XXXX XXXX XXXX XXXX at different different times. but they never helped me. The last date I tried with credit bureaus is XX/XX/XXXX, XXXX but they still not helping me. 



XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX CARD Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-04-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC. (IL)

My employer, XXXX, had a relationship with Optum Bank for its employees Health Savings Account ( HSA ) ; so, I opened an account with Optum so that my HSA contributions could be deposited there. Optum then allowed employees with over {$2000.00} in their HSA accounts to invest the excess with XXXX. At the time, there were NO disclosures provided regarding the fact that the assets at XXXX  would have to be liquidated for any subsequent transfers out. I was always under the impression that, like with almost all other investment firms, I could rollover my assets if I needed to, without any roadblocks from Optum.

This year, my employer stopped using Optum for its HSA relationship and switched to XXXX. I decided to leave my HSA investment account at XXXX because I have other accounts there. But then I had to withdraw some funds from my Cash balance in my Optum account to pay medical bills and that left a very low balance there. I called to request a closure of the account but that did not happen. Then, on XX/XX/2024, I found out that Optum had charged my account a low balance maintenance fee that then put the account in the negative. Yesterday, XX/XX/2024, I called Optum again insisting on the Optum Cash account closure and was informed for the first time that I must liquidate my XXXX investment to close the Optum account. They asked me to call XXXX and see if there are other options. I called XXXX today XX/XX/2024 and XXXX pretty much told me that unlike with other financial institutions where I could initiate a rollover on my own, Optum will not allow it. Optum will insist on a liquidation of my assets. I called Optum back and Optum confirmed it. 

This is nothing but holding clients hostage and forcing them against their will to keep funds at Optum. If the Cash account balance gets low, clients get dinged with maintenance fee ; so they have to keep the balance high. And they can't exit the relationship and close the account without having to liquidate their investment. I DO NOT want to sell my assets and I feel like I am being forced to. And not doing so keeps the Cash account open with unending maintenance fees charges because HSA contributions are no longer going in.