davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (CT)

I received a copy of my credit report and noticed some Hard Inquiries that I dont recognize 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 2021-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (MO)

On the date of XX/XX/XXXX I sent a certified letter to the company MediCredit asking them to validate a collections debt that was reported on my credit report. In response, Medicredit responded on XX/XX/XXXX will a detailed bill breakdown showing all procedure XXXX, and medications that was given according to the date of admission. I asked this company to provide proof ( a signature ) a contract validating my signature that shows proof that I allowed my medical information to be released to them and they did not do so. However, in response to the validation letter they violated Hipaa. I did not authorize this company to access my medical records. Ive asked them to remove this reporting from my credit immediately but they did not do so, now I am looking to move forward with a lawsuit from this company violating my rights. Attached please see all supporting documents showing proof of their response including them violating hipaa in doing so.co MediCredit XXXX XXXX XXXXXXXX XXXX XXXXXXXX MO XXXX Phone : XXXX Account Numbers XXXX XXXX XXXX XXXX And any others reporting from this company. 

Kind Regards, XXXX XXXX
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

A friend of mine went to Santander Bank in XXXX XXXX for a bank check. What happened to me in past with bank check fees infuriates me. My friend told me XXXX, a teller waived bank check fee as self payable reason as bank policy. In the past XXXX only waived the fee once as courtesy as doing a huge " favor " for her customers like me.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I received an offer for 0 % interest and I used the check to take advantage of the offer. Bank of America charged me fee and 18+ % interest rate instead of the offered 0 %. I lost over {$1100.00} dollars. This is a follow-up complaint to XXXX which described the initial issue. On XX/XX/19 I received a call from a representative of the company who claimed that he look into the original complain and that I was never offered the 0 % offer. In addition, he claimed that the offer I described was for a different credit card. I did include a copy of a similar offer that came from the second credit as an example but it was misinterpreted by BoA employee even after I explained it. I do not believe that the employee ever looked into my issue and was simply trying to get rid of the complaint instead of helping me resolve it. I informed the employee on the phone that I have a copy of the original offer for the disputed credit card but he did not even attempt to look up my account or asked e to email it to him. He finished the call saying that he will be in touch. The only offer he made was that he was going to call BoA Marketing to extend the 0 % offer to me which does not make sense since I already received that offer and I used it just to find out that I was overcharged. My issue is that the company did not honor its commitment and overcharged me by over XXXX dollars before I was able to pay off the balance. I have been a customer of BoA for 21 years, I can not imagine how they treat others.
Consumer complaint received 2019-11-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I received an email XX/XX/XXXX from PayPal saying my account has permanently been limited. A week later, i received the same notice from Venmo, which is owned by PayPal. I was told my account violated the acceptable use policy and was asked to please remove the PayPal logo and payment option from my website. I do not operate a business through my PayPal or Venmo account. I am just a consumer utilizing both. I called PayPal on XX/XX/XXXX and asked customer service to please review this action, and opened up a claim online. Both PayPal and Venmo customer service have repeatedly sent me template emails since then and have not specified what if any transactions or otherwise actions taken have violated the agreement. I spoke to the security & fraud department on Thursday XX/XX/XXXX via phone, and they provided me zero information, and were not willing to investigate the permanent limitation or cooperate with me in anyway. They were extremely rude in conversation and also left me on hold for over an hour, and did not facilitate speaking to a manager promptly. They have told me I will receive my money from my PayPal & Venmo accounts 6 months from now. This is not acceptable, and I would like the CFPB to get the company to provide a legitimate response and to immediately make this right. I feel that my access to my money has been wrongly limited, Ive been denied using my accounts and have not been provided the least bit substantial information as to why this happened or any ability to protest and reverse this process. I really need some kind of help with this matter, thank you.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (AZ)

Hard enquiry from Unknown resources on XXXX  1. Institution Information XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2. Institution Information XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. Institution Information Ally Financi XXXX, MN XXXX ( XXXX ) XXXX 4.  Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Hard enquiry from Unknown resources on XXXX 1. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (FL)

i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Consumer complaint received 2021-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

It is sad to see that Navy Federal Credit Union does not care about its members. On XX/XX/2021, I submitted a complaint to the CFPB about my account being closed. I explained that I missed all the payments because I was under an XXXX XXXX due to XXXX. I was under an iXXXX XXXX for a whole year. I had no way to make the payments during this time, and as soon as I recovered, I contacted all my creditors and worked out a plan to reopen the accounts and get them back to good standing. Most of my creditors reopened the accounts and removed the derogatory marks off my credit report, as they understood covid19 was something they had never seen before. The only creditor not willing to work with me is NAVY FEDERAL CREDIT UNION. Instead, they have been constantly calling me about paying less of what I owe, this is not what I want. I also received a letter stating they would accept a lump sum of XXXX no later than XX/XX/2021. This is not what I want. I want NFCU to do what every other creditor did and reopen the account and remove all the derogatory marks on my credit report. 

NFCU, if someone with a XXXX is reading this, I HAD XXXX. I WAS IN THE HOSPITAL. Someone please help me open my account back up, I will pay what I owe.
Consumer complaint received 2019-11-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Creekside Finance, Inc. (NC)

I have been a customer of Creekside for many many years. I went Friday XX/XX/2019 and got a loan through XXXX and in the loan process she ask me if I had my auto insurance policy number and I said no so she said she would look it up and upon looking it up she ask did I have full coverage auto insurance and I said yes and she said she would take the insurance they have off the loan and would save me money since I have full coverage and don't need it that it was mainly used for people who only had liability. It never fully dawned on me what she was saying until today I called the Creekside I have my loan through today XX/XX/2019 and was asking XXXX about all this which he stated XXXX XXXX the formal supervisor or manager that use to work there prior to some identity theft fraud issues with another employee that's when XXXX retired but XXXX had said XXXX made them add this Creekside insurance regardless if a customer had their own full coverage insurance or not and to not even say anything to the customers to just add it, so with that being said how much hundreds and hundreds of dollars did they get from me being a long time customer and many other customers that is unaware of this.
Consumer complaint received 2020-11-24
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. (SC)

I have been a member of Experian, for years now. I have disputed the same falsely derogatory marks on the report. The one largely impacting my report, which is a utility company, who was purchased by another company, reporting a settled debt, along with they are reporting the same amount as if it is two separate companies. They're reporting dates, long after my account had been settled with them. It has taken a long time, to gather the documents to back my claim. The disputes are " completed '', normally within a couple hours. AFTER business hours, without any verifying evidence to their findings. I'm unable to get approved for a home loan, that otherwise I would. It's life altering, and causing myself and my family, undeserved grief.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto loan was paid in full as of XXXX. It is now XXXX and the company is still reporting that my information is negative. I've been on the phone with them since XXXXpm eastern time and they keep saying their system is down and disconnecting the call. I already have a pdf form of the paid in full letter but I can't upload it online on XXXX because they don't accept password protected documents. I've been trying to dispute this for the longest and they won't even help me.
Consumer complaint received 2021-09-17
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. (TX)

I have sent numerous 609 letters regarding disputes to my credit file in addition to a 611 report asking the bureaus how they arrived to the decision to leave multiple charge off accounts as verified. 

XXXX XXXX XXXX  : Theyre alleging that I owe for an account with them but all 3 bureaus are not only verifying the accounts without a proper investigation, theyre illegally changing the date of last activity & the date of charge off theyre giving is XX/XX/XXXX while the bureaus are changing the information with every dispute. The information is not in line with what the creditor is reporting so it needs to come off. 

XXXX  XXXX : The credit card on my credit file ending in XXXX was paid off on XX/XX/XXXX & I was told by the representative I paid this off with that it would be deleted from my credit reports but its still being reported as derogatory when its been paid in full. This needs to be deleted. 

XXXX XXXX  XXXX XXXX : This account is showing open when in fact its already been charged off & with every dispute youre allowing updates in payment history & for this to be factored into my available credit. The date of last activity is also being reset to this year which is incorrect. This tradeline should also be deleted XXXX XXXX : On my Equifax credit report its showing that I was 60 days late & XXXX its showing 30 days late. I would like for the late payments to be removed since the creditor cant seem to keep up with accurate information regarding my account. 

XXXX XXXX : The credit card I had with them was paid in full but Equifax is still reporting this account as negative & XXXX as well as XXXX are still reporting balances. This account also needs to be deleted XXXX XXXX  : Last Active dates are all showing different which has something to do with the way its aged on my reports.This is inaccurate information that needs to be deleted
Consumer complaint received 2021-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC (NJ)

I had a mortgage that was serviced by AmeriHome mortgage. The mortgage was paid off with AmeriHome after I refinanced on XX/XX/2021. By the time of the pay off, there were {$5000.00} remaining in the escrow account, managed by AmeriHome and I'm expecting to get that balance amount refunded to me via mail. I initially received a check for it in XX/XX/2021 but that check was voided when I deposit. So I reached out to AmeriHome asking for reason and for a valid check to be sent to me again. Same thing happened to the second check they mailed to me in XXXX. So I reached out to AmeriHome again and ask them to make sure check won't be voided when they send me for the third time. I have not received a check yet since I communicated with them the last time ( over 2 weeks ago ). There is {$12.00} penalty from my bank every time a check is voided, so up till now I've got {$24.00} penalty for this issue. I really need to make sure this money get refunded to me because our family needs it during this hard time.
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (MA)

I checked my credit through XXXX XXXX and noticed a drop of over 50 points. I was looking to see what caused this and noticed that Discover Financial did a hard inquiry yesterdayXX/XX/XXXX without my consent. I have a credit card, a personal loan, and a student loan with them, but I pay them automatically so I have no late payments and the credit card is actually at {$0.00} balance. I am not sure if this was a mistake on their part, but I also don't know which part of the 3 Discover could have done it ( I have to log in to 3 different websites so I think they are all somewhat independent ). Can you please help me?
Consumer complaint received 2021-05-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

GM Financial is not allowing me to pay extra payment towards my principal balance to pay off my loan early. The loan terms are very confusing and misleading when I purchased the vehicle. There is no way with the current terms of this loan to pay or reduce interest payments or amount.
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$3500.00} XXXX XXXX {$6000.00} DEPTOFEDUCATIONXXXX   XXXX {$3500.00} DEPOFED XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

Friday, XX/XX/2021 Dear CFPB : This correspondence is in regards to my filing a complaint against PNC. PNC has revoked my online banking access and frozen my money to both of my PNC checking accounts without warning or reason. This has happened today, Friday, XX/XX/2021. 
I learn about the freeze when around XXXX EDT I tried ordering on XXXX. Its system says that my debit card was declined. I tried my other PNC debit card and the XXXX system produced the same result. 
I XXXX PNC Bank Help 3 times. I also left two XXXX direct messages. In addition, I called the XXXX number and was placed on a 1-hour hold TWICE! It took PNC two hours to reply to me via XXXX. 
Now the games began again. I promptly responded to PNCs direct message request only for the customer service representative to be non-responsive. I submitted screenshots of my online banking account revocation and my 1-hour hold phone log. PNC still as of XXXX EDT still is revoking my account without any reason. 
My Remedies I demand that all of my PNC bank accounts be restored Online banking access and debit card access restored All money in both PNC checking accounts restoredwithout XXXX XXXX missing My ability to dispute any funny charges on my account since PNC did not notify me of anything. I register for account alerts. It is myunderstanding that today, XX/XX/2021, I did not receive my alerts. 
A proper investigation and explanation into what happened to my account. 
The CFPB can contact me at either my email or my phone numbers. My email is XXXX. My cell is XXXX. My other phone is XXXX. Please help me. I have been suffering for 4 hours and PNC still is freezing my accounts for NO reason! Thanks. 

Sincerely, XXXX XXXX Enclosures
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Klarna AB (FL)

KLARNA/XXXX put inquiry on my report without my authorization. Even after contacted the company the inquiry still on my report. This is my second complaint about this unlawful action.
Consumer complaint received 2017-09-14
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. (CA)

On XXXX XXXX I was notified by the news, not by Equifax directly, that my personal information was stolen as a result of negligence by Equifax. Using Equifax 's own online system at XXXX XXXX XXXX I confirmed this information. I now have to worry for the rest of my life about my personal information being used to opening illegitimate accounts and debt. This has a financial repercussion in the thousands or tens of thousands.
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Asked for original documentation to verify the debt owed and from when and failed to provide validation. When I tried to dispute the credit reporting stating the dates that they are reporting are on accurate along with the amount owed and not a verified debt they keep saying that is true and verified. I have not received any information on this debt to verify the information.
Consumer complaint received 2021-08-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a complaint more than 60 days ago, I still haven't heard anything about the investigation. Items need to be deleted, immediately.
Consumer complaint received 2021-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (MS)

I spoke to Conns they said they was giving me a good deal on my account and if I paid a few XXXX my account Would show current they would say one thing and do another or debit on the wrong day or get the money from the wrong account the employees did not know how to fix an account when they would promise one thing and do another Conns would call more than. 6 times a day saying one thing and do another when you believe it was resolved the phone calls would happen again billing for wrong amounts or wrong info causing the customer to default on account giving false info to get a payment knowing it would not make the account current only to call back with a different amount a few days later conns would use deceptive tactics to deceive the customer knowing the account was never corrected as promised
Consumer complaint received 2018-09-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (TX)

I set up a payment plan with the company Conn 's to pay for my dryer and washer. on XXXX, i did half of my payment, but the company stater calling me on the XXXX non stop every hour until now XX/XX/2018. I explain that I will pay the other half and to stop calling every hour. Conn 's  harassed you for not making a payment all they long until you pay, not even a letter or just a call in all day is okay! am about to return their appliances because am tired that they don't understand that sometimes we go to financial difficulties. they called me from different numbers, XXXX,XXXX, XXXX,XXXX,XXXX,XXXX,XXXX and the list continues. they even told me that they will send the report to my credit which at this point I dont really care anymore. Please help me!
Consumer complaint received 2021-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

In XX/XX/2019, someone accessed my Bank of America checking account using a built in app called XXXX. I was not even aware of this function of my mobile app at the time. When this happened I was on a cruise in the XXXX XXXX XXXX when someone, I have no idea who or how, removed {$5000.00} from my account in approx 4-5 transactions using this XXXX app connected to my Bank of America app. I went in to the bank and filled out all the paperwork for the investigation only to be told after about 15 - 20 days they could do nothing about it. This money was never returned to me. I have since closed this account for obvious reasons.