davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

My mortgage loan was with XXXX XXXX when I fell behind on some mortgage payments in XXXX of XXXX. I reached out to XXXX XXXX regarding modification. We started the modification process, and I was waiting for the decision. In the process of the modification, the loan was sold to Shellpoint mortgage in XX/XX/XXXX, I received a letter explaining my loan was transferred, but I didn't receive anything from XXXX XXXX. I reached out to Shellpoint regarding the status of my modification because I was assured that they will pick up where XXXX XXXX left off. A few days letter I receive a letter that my house is going to be foreclosed on in 45 days or I can short sale. I immediately called Shellpoint and spoke to someone explaining to them that was the first I heard of anything especially a decision. Shellpoint agreed to start the process over, and I started making forbearance payments in XXXX of XXXX from that moment on until the day I sold the house on XX/XX/XXXX, I have made on-time payments. After the modification, the amount had changed, but my credit report was not reflecting the change, so I disputed the amount. After I disputed the amount Shellpoint added to my credit report that I was late XX/XX/XXXX for 150 days which is an absolute lie. I was late with XXXX XXXX but never Shellpoint. I also was going through a modification and should not have been late while going through the process. I have disputed several times and has spoken to them about it. They have damaged my credit with reporting the late payments. I lost the loan on my new house because of what they have done. I'm asking them to please change that although I have sold the house. I have worked hard to get my credit right to do this for my family, and a company that should honest and have integrity would intentionally do that to harm someone chances of having a better future.
Consumer complaint received 2024-01-05
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. (TN)

I was trying to apply for something, realized I had damages on my credit report. According to the law 15 U.S.C 1681 law, there should not be any damages on my report. Its a defamation to my character.
Consumer complaint received 2024-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Patient : XXXX XXXX XXXX [ XXXX XXXX XXXX  on this email ] to STOP collections. 
Patient : XXXX XXXX XXXX RADIUS GLOBAL SOLUTIONS REF : XXXX XXXX : XXXX ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX We would like to stop the process of collections- as we have tried to sort this dispute for months without getting a firm response on how to find a solution from any of the parties. 
Weve provided all proof needed of paid bills that were my resposability, including credit card stamens and receipts. When we spoke to entities last year- they confirmed they would be under investigation And not to pay any fees until we received and outcome but it was never resolved. 

WE hace continued to inquire and we do not want any debt or collections affecting our credit, We have contacted both entities in several occasions and they keep passing the reputability from XXXX XXXX XXXX XXXX without any resolution. 

We tried for months to reach out via portals, websites, e-mail [ see XXXX ], spoken to staff and medical office and calls and we keep going in circles. 
After receiving attacheed letter- we are following up with dispute claim based on instructin. 

At this point we would like to dispute ALL the amount or be informed and finally clear any discrepancies to put this to bed, We will contact the XXXX XXXX XXXX to request the right to STOP or limit contact as we do not know what else to do and getting continious letters of pending debt is troubling the patient and causing negative health effect for something weve been willing and insistent to resolve for months. 


Please advise on resolution or different action to clear and be able to move forward. 
Thank you. 




XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (CO)

In XXXX I opened a deposit account at XXXX XXXX XXXX for a year that was due to end in XX/XX/XXXX. Since then, the bank has not given me my money. They say I have to wait for the XXXX XXXX XXXX XXXX, Nebraska, to authorize the money they owe me. I go to the bank every day to ask what happened and they tell me I have to wait. They keep giving me false dates as they've told me I should get my money in 2 weeks multiple times and nothing has been sent. They have been telling me the same thing for months now. They have now persisted in replying to me for months now.
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (WI)

After reviewing my credit report I noticed inquires on my report which I did not do. 

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  Please delete immediately
Consumer complaint received 2022-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (IN)

I went to XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX to purchase XXXX white XXXX charger XXXX XXXX pack that I discussed with salesman a day prior to me coming in. When I got there the car I originally wanted was gone, they sold it. I was getting ready to leave because they did not have what I wanted but the salesman talked me into getting the XXXX XXXX XXXX XXXX I proceeded to do the application as a consumer credit transaction with my name, social security number, date of birth, and provided work information as requested from dealer. They asked did I have a downpayment and I asked them did I need XXXX and they said yes. I said I was trading in my XXXX XXXX XXXX. They took pay off letter and said they were giving me {$10000.00} for the XXXX XXXX XXXX. They also stated the {$10000.00} would be used as the downpayment. I sat with the finance XXXX, he told me who approved through me ( Ally Financial ) and signed paperwork for vehicle and I left with vehicle and paperwork. At the time I did not realize the finance charge amount was inaccurate, the financed amount was inaccurate, and I was not supposed to pay sales tax in Illinois because I am not a resident of Illinois ( and was not a resident of Illinois at the time of purchase ), and that I had been abused and deceived. I called XXXX 's on XX/XX/XXXX to inquire about inaccurate finance charge, inaccurate amount financed, inaccurate monthly payment, inaccurate total payments, and a service warranty they put in amount financed that was not valid, and Illinois sales tax that I was not supposed to pay, and downpayment that I was not required to pay and they informed me I needed to speak to finance company ( Ally Financial ). I called Ally Financial and they told me I needed to speak to dealership. I let dealership know the Ally Financial said I needed to speak to them and they said someone will get back to me but no one ever did. I called Ally Financial back and they said someone will reach out but no one ever did. They followed up with a repossession order for my vehicle. I'm filing this complaint because the company has yet to return my call and I have the right to rescind this contract and I would like to do so.
Consumer complaint received 2020-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (AL)

On XX/XX/XXXX I was in auto accident and had gotten medical treatment in XXXX Hospital in XXXX, AL they debts was paid by my attorney ( see attached documents ) the hospital later sent it to collections and have reported on my credit report which id defamation of character as this bill has been paid way before reporting date. I have disputed this information with National Recovery Service and the credit bureaus asked for debt validation on several occasions and to verify that they were legally allowed to report this after I have paid them before they even placed on my record. The company failed to do an accurate dispute and to send me validation of the debts they claim I owe, they are defamation my character and this information needs to be removed immediately or I will seek compensation for damages. 
Regarding accounts : XXXX XXXX  ACCOUNT # XXXX {$250.00} XXXX XXXX  ACCOUNT # XXXX {$4100.00} I have mailed several dispute letters since XX/XX/XXXX and I sent a final dispute certified tracking # XXXX Nationwide Recovery Service sent XX/XX/XXXX delivered XX/XX/XXXX @ XXXX XXXX   certifeid tracking # XXXX Nationwide Recovery Services sent XX/XX/XXXX delivered XX/XX/XXXX AT XXXX XXXX
Consumer complaint received 2023-12-31
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX  I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone was able to steal XXXX dollars from my bank of America account via atm without my card! I never lost my card and still have it. Despite this bank of America lied to convince me to close my account and when they sent a new card the account was frozen with all my funds. They also halted their own fraud investigation ( suspicious ) on account of my account being frozen. Bank of America has no right or reason to close my account indefinitely and should be held liable for any and all consequential damages.
Consumer complaint received 2020-03-13
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. (OH)

XXXX XXXX XXXX XXXX/XXXX CARD HAS REPORTED TO ALL THREE CREDIT BUREAUS THAT MY ACCOUNT WAS LATE THIRTY DAYS, THIS ALLEGEDLY HAPPENED IN XX/XX/2019. IN XX/XX/2019, MY CARD WAS PAID OFF. THE COMPANY REPORTED THIS ERROR JUST RECENTLY THIS MONTH MY TRADELINES HAVE NEEN NEGATIVELY EFFECTED BY THIS INCORRECT NEGATIVE INFORMATION. I WAS NEVER LATE WITH MY PAYMENTS
Consumer complaint received 2021-03-18
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

I have a Best Buy credit card account with Citibank.I have been a member with them since XX/XX/XXXX. I have been paying on my card and recently paid a big Chunk and paid the card off to a XXXX balance. Before this, I have noticed that when I was making payments every month. It seemed as though my balance was not decreasing the way it should have with my payments made every month. 

I made a call in XX/XX/XXXX when I noticed on my statements I have been charged every month for something called Debt protection.? I have never authorized this. When purchasing something at Best Buy they ask if you want the 18 month interest free program or pay it all and receive rewards. Never have I been late on a payment or missed any payments. Best Buy representative transfers me to this debt program. 

When speaking with the Debt program they say I signed up with them back when I opened my account. I never marked such box. Then they told me they would refund the charges back to me by mail in 30 days. 30 days go by and nothing. I call again XX/XX/XXXX. Best Buy sends me to Citibank and they tell me there's nothing they can do for me. Then once again I'm transferred to the Debt program. Who informs me again, another 30 days for them to send a letter of a refund or not. Now there story changes. I asked for proof of it saying I needed this debt protection plan. They have not provided it and keep giving me the run around. Once again telling me it will take another 30 days. When I asked why am I being charged for something every month when I have never been late or needed help paying my payments? They can't give me an answer. This is fraud!! They have been ripping me off and I have two years of statements that Best Buy would let me pull off my statements. Adding up to {$400.00} since XX/XX/XXXX. I have attached the letter they sent and some of the statements with the amounts they have pulled in the past two years. For it will not let me attach more than 10 MB. Also, I had a DVD the balance was {$10.00} and they charged me {$14.00} ( debt ) so my balance came to {$24.00}. So now I paid more to them on that balance than my dvd costed me. Sometimes they charged me almost {$30.00} a month! If you would like to see all statements please let me know if there is a way I can send all of the past two years?
Consumer complaint received 2021-03-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (TX)

PAYDAY LOAN TAKEN IN 2014 I STILL HAVE DEBT COLLECTORS REPORTING TO MY CREDIT FILE ITS BEEN 8-9 YEARS. IT JUST GET PASSED FROM COMPANY TO COMPANY
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

XX/XX/2021 I reported to US Bank that my debit card had been stolen, and reported every unknown transaction. After that, they turned off my card, but my bank account still had it. Funding I tried to log in to my account using mobile banking and online banking to transfer the balance of the account, but it was not successful. On the morning of XX/XX/2021, when I tried to log in to mobile banking to transfer my funds again, the system prompts me that my login account has been XXXX and I can not access my account, but my account contains all my funds, including The third round of assistance is in this account. That is all my money. I can't use the digital bank. I can only go to the local bank for processing. But the bankers also told me that they can't do anything, nor can they get back the money in my account. Let me wait and wait until one of their departments finishes processing before releasing my funds, which annoys me very much.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have sent two certified letters to Equifax requesting my free annual credit report. I sent a copy of my passport, my social security and as a utility bill, I sent my XXXX car insurance statement. I live with my parent and I do not have any other utility bill in my name. I am trying to change my address with the credit bureaus and Equifax continues to refuse to provide to me a copy of MY credit report. I have provided documentation regarding who I am using legally accepted methods. Unfortunately, I am unemployed and can not and furthermore, will never provide to a credit bureau, a copy of a paystub. There have been so many security breaches with the credit bureaus, that I am afraid to provide too much personal information. The fact that I have sent two requests via certified mail demonstrates the fact that I need to obtain and have the credit bureaus change my address to the new address I have provided. I need to receive and review my credit report because I also need to find employment.
Consumer complaint received 2020-03-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC (TN)

On Friday, XX/XX/XXXX. 
Atlantic Recovery Solutions The company contacted a family member and released the dollar amount of an owed debt as well as my payment history to my mother at her home without my knowledge. After contacting the company they explained this was not illegal and asked do you really want to do this over . $ $? They insisted no act was illegal.
Consumer complaint received 2022-12-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (CA)

In XX/XX/2022 I refinanced car loan I had with Exeter through my bank. When I first got vehicle I was told my interest rate was under 20 percent and found out when I made first payment it was over so I refinanced through my bank six months after paying Exeter because my credit rate was good enough to get a loan through my bank for 10 percent less. While at my bank my banker obtained payoff amount for Exeter and we sent a check for that amount. Now Exeter refuses to give my bank the title and they cashed the check and still say I owe them money. Six months later and no title and so now my bank shot my interest rate up 8 percent and XXXX  is reporting my loan is late. I paid off the vehicle!
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (GA)

As Dated XX/XX/2022, I, XXXX XXXX has come to the understanding that Sequium Asset Solutions , LLC engaged in activity to bring defamation towards my character and extortionate means towards my credit reputation. ( See attachment. )
Consumer complaint received 2020-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Grant Mercantile Agency (CA)

Hi my name is XXXX XXXX. 
I have a big trouble with Grant Mercantile Agency , Inc. 
First time that I talk to them been around a month ago that I been calling them not they to me! 
I told them my date of birth my address and full name that they can follow up who Im! 
And before it I saw them like a collection in my credit reports. 
I been never asked to pay it and never received letter from that company!! And a sunny day I saw that company name in my credit reports! 
That day that I called them I told them that I do not owe nothing at all XXXX XXXX ( in my life Ive been 1 time in that Hospital and paid my balance off on XX/XX/2019! ) and beside that never been in that hospital!! 
I told the Gran Mercantile Agency to remove from everywhere and do not bother me and sending me any letters ( now they know my address then I told them )!! But they start to sending me some letters!! 
And do not remove they fraudulent collection from my credit reports!! 
Please help me that they get away from me!! 
I dont no how else can I explain them that I dont owe no one any cent in the whole world beside my credit cards that Im paying all in time without no one minute late in my whole life! 
They do not do anything!! 
They are like savages and do whatever they imagine!! 
Please need this help very much! 
Thank you.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (GA)

Dear Sir/Madam, I am writing to file a complaint against Robinhood regarding the recent closure of my account and the mishandling of funds associated with it. The circumstances surrounding the closure of my account have left me in a distressing situation with limited access to my funds. 

On XX/XX/2024, I received an email notification from Robinhood stating that my account was being closed due to disputes related to products I received. Specifically, I had encountered issues with two separate products : XXXX XXXX screen protector as well as a charger along with a laptop. 

Despite my attempts to address these issues through proper channels, Robinhood interpreted my actions as fraudulent and chose to close my account without warning. As a result, I am unable to access the funds held in my Robinhood account, which amounts to {$430.00}. 

According to the email notification received from Robinhood, all eligible funds will be returned to either the accounts that deposited the funds or a linked bank account. However, I do not have an external account linked to my Robinhood account, and there isnt an identifiable original sender for my funds. 

I want to emphasize that I have no intention of engaging in fraudulent activity. I am willing to cooperate fully with Robinhood to resolve any disputes regarding the products in question. I am also willing to return the products if necessary to facilitate a resolution. 

However, the sudden closure of my account without adequate communication or opportunity to address the issues is unjust and has caused significant inconvenience and financial hardship. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to ensure a fair and timely resolution. Specifically, I seek assistance in facilitating the return of my funds held in my Robinhood account and addressing any concerns or disputes related to the closure of my account.