davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Servicing continues to violate my Fair Debt Collection Practice Act by submitting false information to Credit Reporting Agencies. SPS has not removed false degoratory comments on my credit report. These wrongful comments have adversely affected my credit worthiness and hampered my chances of acquiring new credit.
Consumer complaint received 2023-10-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (CA)

Monthly increase, {$22000.00} to XXXX. Escrow mistake XX/XX/2023 actual disbursement {$3200.00}. I paid that delinquent supplemental assessment bill XXXX XXXX, XXXX. XXXX XXXX I have a letter from M & T Bank XXXX XXXX, XXXX XXXX XXXX XXXX, in short, he says the bill is on me. The bank escrow does not receive supplemental tax bills, they're sent to the customer. M & T founded out about this bill because I filed a complaint with CFPB # XXXX. There was no bill for them to pay. Their saying the monthly increase is due from that {$3200.00} disbursement. Also in XXXX XXXX, I was approved for tax exemption. Which should have canceled their 12 month projections {$2300.00}. Tax bill changed from ( {$2200.00}, to {$1500.00} ) but I will still have to pay XXXX in XXXX. I was trying to find out if their numbers are correct. 
Thank you, XXXX XXXX
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (FL)

I am filing this complaint because CKS Financial has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2021-12-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NJ)

I had a auto loan with GM Financial that was paid in full. The company quoted the full amount then months later contacted me stating the amount that was quoted was wrong after the check was submitted. I had no recollection until months later. I then paid the remaining balance. The results of their error caused me multiple late fees and for GM Financial to report a repossession which never happened and I still have my car. I reached out multiple times disputing this error requesting they remove it from my credit report to no avail. I need assist with correcting this error.
Consumer complaint received 2023-07-25
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: Bread Financial Holdings, Inc. (FL)

In XX/XX/XXXX my XXXX credit card switched from XXXX XXXX XXXXXXXX to Comenity bank I had a balance of {$2200.00} I had credit points towards my balance of {$280.00} this information I had got from their service representative by phone on XX/XX/XXXX. 
I paid {$1900.00} on XX/XX/XXXX. 
I never used the Comenity bank credit card I received billing for the {$280.00} that were my credit points plus interest plus penalties in XXXX I called them at that time and told him what the issue was they said it would be resolved. In XXXX got the same bill with more penalties and interest sent them a letter XXXX XXXX same story. I have filed complaints with their company on two different occasions on two XX/XX/XXXX and most recently on XX/XX/XXXX. At this point I have sent three letters one of them a registered letter on XX/XX/XXXX ive made at least five phone calls been told repeatedly issue would be resolved and it has not. My credit score has been downgraded to the mid XXXX when it had to of been well over XXXX. I need to get this issue resolved as my insurance quotes and rates have gone up due to my rent lowered credit score. I do not know how to put these copies of my letters and statements into a file to send with this complaint. I can supply copies of documentation if I have a mailing address or a email address my phone number is XXXX my mailing address is XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-02-23
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected comsumer rights to privacy and confidentiality under the law 15USC 1681. 

Accounts : SXXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX BANK account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights According to 15 U.S.C 1681 ( a ) ( 4 } : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also 15 U.S.C 1681b ( a ) ( 2 ) : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

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.

I did not give written consent for my report to be shared, also I didnt authorize these accounts on my consumer report. I have since filed a Identity theft with the Federal Trade Commission concerning these accounts.
Consumer complaint received 2023-10-18
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis credit management needs to be put out of business immediately. Their staff is so disrespectful and enjoy yelling at people and talking down to them. It is absolutely disuting that they are allowed to still operate. They work with apartment companies to scam people out of money. I disputed the false claims brought on by my past apartment and of course... the credit company denied my dispute. Why would they accept it? they are scam artists and are only in this to ruin people and make FRAUDULENT money. DO NOT PAY your balance to these people if you believe its inaccurate. This company needs to be shut down.
Consumer complaint received 2024-02-06
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. (OH)

Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ) Dear XXXX Equifax XXXX XXXX XXXX I am filing a complaint an unauthorized inquiry that appears on my consumer credit report. Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. Removing this inquiry is essential to safeguarding my identity and protecting my credit standing. I kindly request a thorough investigation into this matter and prompt action to rectify the unauthorized inquiry. Upon completion of your investigation, please provide written confirmation of the removal of the unauthorized inquiry from my consumer credit report. Thank you for your attention to this urgent matter. I trust that you will handle this dispute in accordance with FCRA regulations and take appropriate steps to resolve it promptly. Sincerely,
Consumer complaint received 2023-03-31
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX and XXXX 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 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$45000.00}.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NC)

On  XXXX   XXXX ,  XXXX , I calle d Card Member S ervices, to request an extension  of 6-12 months  at the rate of 0 % originally set for this card. Sharing the fact I am  XXXX , and am still impacted by the 10.7 % unemployment rate, and am working with our  XXXX   XXXX   XXXX  agency to remedy the situation, as yet unsuccessfully. I have already attempted to remedy the situation before it happened through meeting with the  XXXX   XXXX   XXXX   XXXX  agency, who applauded me for my tight budget, and told me their h elp may co st me more than help me. I feel stuck between a rock and hard place, unless an extension is allowed by the creditor. Here is a copy of the message recapping the calls which I have also posted in a message on my account at the  Card Holder  services. Their response was NO HARDSHIP ASSISTANCE WAS AVAILABLE TO ME.   COPIED MESSAGE "  XXXX   XXXX ,  XXXX  DiscoverCard undisclosed interest rate for current period being incurred.     After speaking with  XXXX ,  XXXX ,  XXXX  and finally  XXXX , explaining the impact of the current unemployment figures on the  XXXX  employable people seeking work at 10.7 % over the protracted period including both  XXXX   XXXX  and  XXXX   XXXX , I, as a  XXXX  individual, am still faced with lack of earning to support an increase in interest on my account from 0 % to 23.24 % or market based value as stated by  XXXX  and other staff, but not printed on my account anywhere of 23.74 % on my next bill. Nor have I been able to 'discover ' the disclosure, I requested from each department. I requested a disclosure in print of the new amount currently being incurred, at the rate verbally disclosed to me today of 23.74 % to no avail as I reported to  XXXX  and  XXXX  at  DiscoverCard vi a phone today, and no help with other hardship assistance. I reported to yo ur Card Member  Services representative/s who  XXXX  assures me could not help with any hardship assistance to extend the 0 % for any length of time. I asked 6 months longer if possible, and explained to  XXXX  how he  may fe el when making a credit purchase, for which the interest climbed excessively during a  XXXX  period and a statement arrived with the addition cost included in his outstanding balance. It is obvious these people do not understand the impact of going from 0 % to 23.24 % or in this case 23.74 % without the means to pay, yet it is almost guaranteed at some point they will 'discover ' how this works. Perhaps they will find a hardship assistance method in the meantime.   A copy of this message will be shared with the FTC.gov, the ConsumerFinance.gov, the ADA.gov. '' Please review with the mind of a person protecting  XXXX  rights as well as a debtor making efforts to meeting untenable terms.   Thank you. See most recent statement wit h credit score  attached.
Consumer complaint received 2022-09-04
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 2022-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (PA)

HELLO consumer financial protection Today is XX/XX/2022 i went to XXXX XXXX around XXXX using my chime card to withdrawl the amount of cash of XXXX XXXX XXXX XXXX XXXX. I withdrawl amount of XXXX dollars, but the money never dispense, never got the receipt either.First I talked to branch manager then she told to call XXXX XXXX to dispute I did that, and file a complain but they told me to call chime to dispute tranaaction. I waited over an hour for the phone call through chime they finally picked up the problem is they said they cant handle the dispute because the the transaction still in pending. I been working really hard to save this money for my bills. Im so frustrated
Consumer complaint received 2021-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One Auto XXXX checked my credit for the purchase of my vehicle back in XXXX XXXX which was a hard inquiry on my credit file, but when I checked my credit I noticed that this company has placed XXXX different inquiries on my credit file dates are as follows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all for the same attempt to purchase. I did not give consent for them to place XXXX hard inquiries on my credit report and by law this company is in validation of the law
Consumer complaint received 2023-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Thursday, XX/XX/2023 I received multiple phone calls from my local Chase bank branch, I picked up and the guy told me that someone was trying to use my debit card in XXXX at a XXXX XXXX, they were trying to purchase a {$300.00} television. He stated that he was able to block the transaction, that he needed me to confirm my ; Name, date of birth and my debit card PIN. I gave him that information because I believed it was the bank and this was the first time someone tried to use my debit card. He called me from the actual phone number the bank uses on XXXX maps. He then told me to dispose of my card, that he would send me a new one that would arrive in XXXX business days but it never did. I went on about my day after and the following day I get a notification from the chase app saying I had less than {$500.00} in my account. I log in and see I'm only left with {$80.00} He took out the money in amounts of {$80.00}, 10 times and {$60.00} 1 time The total amount that was taken out of my account was {$860.00}.

I called my local Chase branch and informed them what had happened, and I went in person because I still wasn't sure what was going on and didn't trust the number any more. I went in and they helped me file a claim, but they did not include all the money that was stolen from my account into the claim.

So I had to call another 2 times to put the other amounts because I really need my money, and I still do.

The first claim was for {$380.00} The second claim was for {$400.00} The third claim was for {$80.00} Just recently my bank granted me with credit while they conducted an investigation, but I feel like it was their fault for not including all the money that was stolen in 1 claim. 
On XX/XX/2023 The bank took back {$380.00} of my credit back because the investigators did not find enough evidence to prove this was actual fraud. 
Today, XX/XX/2023 I get a statement saying that the {$400.00} credited was not determined as fraud and will be staying in my account. 
The {$860.00} that was taken from my account was taken all within 2 days from XX/XX/XXXX through XX/XX/XXXX of 2023. 
So I do not know what they decided that half was actual fraud and the other half was not, if it was all literally taken the same way. 
I've filed a police report, because that is what the bank asked me to do if I still felt like I needed to do something because they can't because they're investigators closed the claim. 
I have a my baby about to be born by the end of this month and I really need all my money, my wife isn't working and this really affected us. 
I've attached the phone calls I received the day the scam started and a a notification saying that the {$400.00} claim credit that I received will be staying in my account. They have not sent me the statement of the {$380.00} that made them decide it was not fraud. 
And still haven't received any news on my {$80.00} claim.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  My wallet, Id, credit & debit card stolen.My Apple ID and I-phone was compromised they accessed all my personal financial files, emails, existing XXXX XXXX account, electronic wallets, and social security number. XXXX police report XXXX. FTC report XXXX. When I learned they opened an Apple Card in my name, I immediately called Apple to report the fraudulent activity which at that time the balance on the card was close to {$3000.00}. They assure me they closed the account and would investigate further. Two weeks later I received a notification from the Credit Bureau my credit score decreased by XXXX points and the Apple Card is now at {$4800.00}. I called Apple back they apologized the card wasnt closed and it was an error on their part. They still havent removed the information from my credit report and the case remains open to date. Now Im a victim of this banks negligence. Please assist me and thank you.
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CO)

Multiple phone calls received from   XXXX   XXXX   XXXX   stating that we owed {$150.00} some dollars to   XXXX   XXXX   and that they were going to be filing a lawsuit against us. Phone calls started   X/X/17 ,  continued   XX/XX/XXXX  &    XX/XX/XXXX  unt il I informed them that I knew what they were doing was a scam and that I would be reporting them to the FTC / CFPB. We have not received a call since then. We owe nothing to  XXXX , never have. I have no idea how they got our name / number.
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Transunion has allowed inaccuracies and unfair credit reporting methods, which has tarnished my confidence in the banking system. It is a fact according to 15 USC 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating my credit worthiness, standing, and capacity. But due to the inaccurate reporting by Transunion my character and general reputation has been damaged. These inaccuracies have caused me pain and stress when it comes to my everyday life as a consumer.

Pursuant to 15 USC 1681 ( e ) I am demanding Transunion to do a proper investigation on the accounts listed below. I am demanding Transunion provide names of friends, neighbors, or my associates who have first hand knowledge of these accounts. If Transunion is unable to obtain the information I AM DEMANDING THAT THESE ACCOUNTS BE DELETED OFF MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies listed above are third party debt collectors who are in violation of the FDCPA, seeing that they never had my consent to do any business with me. 

I DEMAND Transunion to delete all inquiries off my consumer report. 

I DEMAND Transunion to delete all addresses besides XXXX XXXX XXXX XXXX, MI XXXX I DEMAND Transunion to delete all phone numbers besides XXXX. 

Because of these inaccuracies Transunion has made my life so stressful for finding a place of abode, applying for credit cards, and everything else that involves consumer credit. I am coming in good faith. Thank you
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: World Omni Financial Corp. (NY)

On XX/XX/2023, SETF has contacted my phone number from XXXX EST all the way until XXXX EST every hour and harassed me. On XX/XX/2023, I have set a payment of {$1500.00} to go towards the car note. SETF has violated the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ) by continuing prohibited practices by harassing me repeatedly calling my phone 4 times within 5 hours. Harassment.
Consumer complaint received 2017-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Someone walked into a WellsFargo Bank at   XXXX   XXXX   XXXX     XXXX , TX on  XX/XX/XXXX  and changed my debit card pin and withdrew {$900.00} from my account.
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My apt was broken into and my debit card was home and they went to the bank and withdrew money. I reached out to the bank and they basically denied my claim and said that it was nothing they could do. They told me I probably allow this person to withdraw money from my acct.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.