davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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. (SC)

I have several inquiries that were not obtained with my knowledge or permission. I tried to get the credit bureau to look into it after I received a letter from the company I called the company who stated it was a soft pull and should not have shown on my report and referred me to the credit bureau. Dates were XX/XX/2022 and XX/XX/2022 by XXXX XXXX  Also 2 more inquiries came from Experian XXXX. 
There are 8 plus collections on my report as well They state they are open but are in collections with a collection agency. I have exhausted all avenues with the credit bureaus but they ignore me and report they are correct after 3 days. I have several names and addresses, credit accounts etc that are not mine. I am a victim of identity theft and the credit bureaus are not helpingXXXX is refusing to give me a report of any kind. The others are not truly investigating.
Consumer complaint received 2016-10-13
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth Financial Systems , Inc. of XXXX XXXX, PA had sent me a collections and verifications notice as to an unidentified debt for a physicians service of which is unidentified and unknown to me. 

I have responded to the 30 day letter disputing the matter however upon checking my credit reports they have posted negative marks against me as to collections. The date of their notice is XXXX XXXX, 2016 and the derogatory credit posting is XXXX XXXX, 2016 almost 30 prior to contacting me. This is in full violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) since I have disputed the claim and requested validation. This agency has violated sub section as to reporting inaccurate information as to credit reporting agencies even prior to contact me as to the validity of the information.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

My account was compromised and cleaned out XX/XX/22. I have been in constant contact with XXXX XXXX  to rectify the problem. I have been hung up on and placed on hold until the call disconnects multiple times with no answers as to whats going on with my account. I can not pay any bills because of this and they will not provide any information
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Greetings. 

I sent a disputes letters to the credit bureaus sunch as Experian, XXXX and XX/XX/XXXXbut they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2015-12-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: Seterus, Inc. (OH)

When I originally took out a refinance mortgage, XXXX XXXX the underwriter for XXXX XXXX required that I pay some creditors on my credit that did not belong to me. The title company cut checks to each of these creditors. They gave me the checks, when I called the creditors to get mailing address they stated that they did not have an account for me. I explained about them being on my credit reporting and again they stated that there was no where to apply funds because they do not have an account for me. I tried for years to get some one to help me I could not afford an attorney ... .I am XXXX years old XXXX would not help me. I have asked Seterus repeatedly to prove ownership of the loan the copies of the loan docs prior to this transfer, my good faith estimate, my truth in lending document, they will not mail it ... .then stated that it would be XXXX per page ... I agreed but they never sent anything. I am receive XXXX per month, my mortgage is XXXX. I am paying for money that I never received ... .please help.
Consumer complaint received 2015-10-20
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Capital Management Services, LP (OR)

I have a delinquent debt which I know is delinquent and I sincerely want to make right. The representatives called me names, belittled me, and humiliated me while others listened in. I was so embarrassed that I hung up and burst into tears. This agency also has been deceptive multiple times. The first representative offered a certain number that I called to attempt to repay, but then the company denied that the offer was made.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MA)

After requesting each consumer bureau remove negative XXXX reporting off my credit report I directly contacting XXXX by phone XX/XX/XXXX, I was told by supervisor " XXXX '' in XXXX XXXX, MO.that XXXX will not remove the negative collection report off my credit report. I had always disputed the fact that although habitually delinquent due to XXXX/loss of income at the time I had always paid my account. I was too sick too fight the mega-giant, my account was closed in XXXX and with my XXXX settlement in XXXX I paid their collections. Now I was well enough to search my financial records, XX/XX/XXXX I made a written request to remove the false report and provided bank records demonstrating that I had indeed paid my account and was falsely sent into collections. This written request and evidence has been ignored. According to " XXXX '' at XXXX ( there was XXXX accounts under my old phone number when I called XXXX I never made a payment from XX/XX/XXXX and my account was closed and sent to collections.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (PA)

I have a Discover it card since 2012, and I always follow their rules and regulations. My credit score is excellent, I have XXXX late payment, and I even have a Discover saving account with a good amount of money. 
However, they closed my credit account without any notice. Then, their customs service did not want to give me any reasons for that.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (TX)

Got a XXXX XXXX GM credit CARD approved XXXX. Paid on time and barely used the card. 3 months later account was closed and no reason as to why. I called in many times and spoke to many people at GM, who still cant figure out why card was closed. Told me To reapply again. I waited a few months then decided to reapply and see, was denied right away XXXX email stating that I applied to many times in 30 days ( when I NEVER applied to GM since the first time I got approved @ XXXX  months ago ). So the letter is a straight up lie. Called right away to speak to reps who finally got a supervisor XXXX XXXX, no last name or employee number ). I barely understood his English, but what I got from his rather rushed tone as if Im bothering him, he told me the denial is because they couldnt verify id. They NEVER ASKED for ID upload during app process. I applied thru their portal and got an immediate email within 30 seconds stating to many applications in 30 days, nothing about id verification ( which was never done by email or call from GM ). Something is falling thru the cracks at my expense and I need a real answer and not the run around w GM/ XXXX XXXX XXXX I want them to either reopen my card, or give Me a valid true reason why it was cancelled. Also. I need to know why they sent me a denial letter stating I applied too many times in 30 days when it is 100 % false. Bank deception at its best going on.
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SQUARETWO FINANCIAL CORPORATION (AL)

While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (MS)

Out of the blue on XX/XX/2024, I received a credit card statement from Synchrony Bank referencing a Paypal Credit Account in my name and that a payment was due. The charges were {$1000.00} and {$1400.00}. I immediately called the company and filed a complaint that I never requested an account in my name, I requested proof of where I actually requested the account, I requested proof of how they " authenticated '' me as the person actually requesting and/or opening the account and proof of where I signed or authorized charges on this account. The only thing they have done is confirmed that this account was fraudulently opened. However, it is clear that there account opening procedures are not adequate ' including there failure to authenticate applicants, failure to obtain legitimate proof and identity of who they are doing business with and proof of who is actually making charges/purchases on the accounts they open.
Consumer complaint received 2023-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NY)

XXXX XXXX XXXX neglectfully let someone open an account under my name and rack up a large bill. There was ZERO attempt to contact me and I knew nothing about it until a I saw this was sent to a collection firm ( which lied claiming they sent a letter to me ). While I was the victim of XXXX 's negligence in verifying their actual customer, I went through the time/effort of filling out the forms on XXXX XXXX website and they agreed it was fraud. The collections agency stopped collections too. I made complaints against both firms at that time and you can see that under my history here. Now starting last week I starting getting calls from yet ANOTHER collections agency ( AFNI Collections ) on behalf of XXXX XXXX XXXX XXXX AFNI informed me that I still owe XXXX XXXX XXXX {$1000.00}. I call on the CFPB to do everything they can to punish these firms that make my life miserable, when I have zero involvement in their negligence. I implore you to look into this case specifically as this is clearly illegal to continue to attempt to collect money form someone who was the victim of that firms negligence!
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I use to have an online membership with Experians credit monitoring service. I had Experians monitoring service for a few years. Please note : I have years of on-time payment history with multiple accounts. This is proof I dont have a thin file. Moreover, other credit monitoring websites are successfully able to pull my Experian credit report. In addition, I am successfully able to pull my Experian credit report from annualcreditreport.com At this juncture, Im no longer able to access my credit reports from Experians website. My login credentials are defunct. I have never requested to cancel my membership. I tried to create a new Experian membership, however, I get an error message. I have clicked on forgot username and forgot password however, I get a response that states there is no match. 

I have called Experians membership department and created an escalation ticket. If other consumers have a right to access their credit reports from Experians website, why dont I have equal access? I believe this is, among other things, a discriminatory practice. 

This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Federal Trade Commission CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2020-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

WAS banking with since XX/XX/XXXX or so went out to get some food with my friends and my card declines. I go to my Chase mobile app to check my balance because I knew I wasnt even close to a negative balance and I see my account is locked. Its XXXX so COVID-19 hours are in affect. I call the number provided to me on the app and the agent tells me Chase is ending their relationship with me and is providing no explanation as to why. No illegal activity on my account, I collect UP just like the other thousands of unemployed Americans and my well-being is dependent on my account. Chase sent me no email, no warnings or correspondence in regards to my account being closed, so I couldve went weeks without knowing my account was closed. I feel like not only do I deserve to know why it was closed, I want my account back as well because I know nothing fraudulent has been going on, PLUS they also closed the accounts of my mother and my dad so were all out of luck. Count your days Chase.
Consumer complaint received 2016-05-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP (MD)

There is so much malfeasance with XXXX nationally and internationally that I am mad my tax dollars helped them to survive. XXXX fails to communicate with consumers when it is obvious they have made a mistake. Instead they coverup and make all seem as if its the consumers fault. 

In cases XXXX and XXXX XXXX continues to create havoc with lies, lies lies! I recently reported a XXXX on XXXX XXXX, XXXX who I feel will counter with another idiotic letter about my accounts. In XXXX XXXX I opened the case ending in XXXX. Case in point in the recent letter I received and do n't know why, he/she sent me a thick packet of the closed credit card account doc 's. I did not request this and there was no explanation as to why it was sent. 

Since the bureau in early XXXX XXXX accepted and sided with XXXX explanation on why/when a payment is made there is no reason why a consumer needs to be informed when a payment is made, what the current balance is. Why and who ask XXXX to send me the huge packet beats me. I assumed the bureau accepted the very weak explanation why consumers do n't need to know what their ending balance is. So guess its ok for XXXX to have a consumer just pay, pay, pay. 

So, XXXX collapsed this case with the case ending in XXXX where a client liaison XXXX XXXX XXXX admitted in the XXXX XXXX, XXXX response that XXXX made a mistake purposely sending my payments ( account # written in the check memo section ) to the credit card account, and calling me a liar or as they put it when the case was opened, " XXXX XXXX claimed ... ''. In the XXXX paragraph he stated " please allow 7-10 business days for the payments to be removed and reapplied to the checking plus account '' then he sent my account to collection agencies. XXXX XXXX seemed to feel the pressure of his lies, and referred the case to XXXX who is a regulatory complaint specialist to make all look as if I defaulted. 

In his/her XXXX XXXX, XXXX response XXXX stated in paragraph XXXX " in XXXX XXXX the error was corrected and the payments were transferred .... and posted as of the date they were received. There was never a letter letting me know this. Instead in the last paragraph he/she stated " It will be necessary for you to contact Capital management XXXX to discuss settlement options that might be available ''. 

These people must be on an opioid! Let 's face it XXXX, you cashed the checks in a timely fashion but, lied that they were never received then, covered up the checks were " erroneously applied to the credit card account ' ending in XXXX. Then XXXX stalled and procrastinated forl six months jerking me around, where I had to involve my Congressmen.For spike of involving my Congressmen XXXX sent the account with the new reduced amount of {$450.00} to a collection agency. Anyone who is a " logical '' thinker would see this is a coverup. So XXXX man-up and admit the truth, you lied.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NH)

There is a collection account reporting on my credit reports from a company identifying itself as XXXX XXXX XXXX for an alleged debt of {$720.00}. I have strongly disputed this alleged debt with both XXXX XXXX and the consumer reporting agencies. XXXX has sent me documentation that failed to adequately prove that I have any ownership of or liability for this alleged debt and that dispute is still being handled through other channels. Recently, however, I spoke to the consumer reporting agency Experian who has claimed to have verified this alleged debt. I spoke to a female representative in their " Special Handling '' department and demanded that I be sent the exact details of their supposed investigation as is my right under FCRA Section 611 ( 6 ) and ( 7 ). This agent told me flat-out that Experian had XXXX obligation to provide me with such information even after I quoted her the exact section of the FCRA that proves I have every right to this information AND provided her with court cases that backed up this right. Experian has refused to re-investigate this alleged debt and has also refused to provide me with the information used to verify it. This behavior violates my consumer rights and must be addressed promptly. Since I know that XXXX has so-far failed to properly verify or validate this alleged debt, it is absolutely impossible to believe that Experian has somehow managed to do just that. I demand that this illegally-reporting tradeline be permanently deleted from my consumer report or I will file suit against Experian for their willful violations of my federally-protected consumer rights.
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Paypal Holdings, Inc (NY)

I previously submitted comp. # XXXX regarding a so-called PayPal Credit account, # XXXX XXXX XXXX XXXX, that I had no intention of opening in the XXXX place and find impossible to cancel though I 've sent multiple letters and email requesting closure. The original charge was for {$38.00}. I sent them a check # XXXX on XXXX for that amount along with a request to cancel. No response other than computer generated bills spitting out and now a whopping {$130.00}. I just paid them that amount on the advice of counsel to avoid further damage to my credit rating. They give " gotcha '' and " scam '' a bad reputation.
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (IN)

Statement filed with BBB and Roundpoint mortgage on XXXX/XXXX/XXXX : I acquired a mortgage on XXXX/XXXX/XXXX and began making bi-monthly payments of {$320.00} beginning XXXX/XXXX/XXXX. the first payment was not due until XXXX/XXXX/XXXX, so I should have been saving some interest as well as having about {$100.00} additional applied to my principal. 

Come to find out, they have this set up so that I can not save on interest. Money is being put into escrow. additionally, funds received prior to the first of the month are not being applied to the intended month at all. there is no way for me to get ahead the way that they have this set up. 

I called today to have my due date changed to the end of the month so that I can make my payment early in the month and save on interest, as well as not worry about late fees when using direct deposit. I get paid on the XXXX and the XXXX so if I do bi- monthly payments, I will never be on time the way that they have their system in place, even if I am paying ahead. If my due date is toward the end of the month, say the XXXX, we will have no problems. 

I will appreciate any assistance in clearing this up. All I want to do is make my mortgage payment and save a little interest the way I was told I would be able to do so. 

I was told today that I would have to refinance to change the due date, this seems like a crooked statement to me and I will not accept that. I will not hand over thousands of dollars to refinance a mortgage just to change a date on the papers. 

Thanks, XXXX XXXX Since filing my complaint, I have continued to make my payments as I have. I received a payment coupon mailed on XXXX that stated my outstanding principal was {$75000.00}. I received another mailed on XXXX, my outstanding principal is now {$75000.00}. How does my principal go up {$410.00} in 4 days when I have been paying extra toward my mortgage from the beginning? I get no answers from Roundpoint. I was on hold for 45minutes earlier today.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

on XX/XX/2021 I applied for a citizens bank one deposit checking account. I immediately received a declined email. there is no information regarding as to why it was declined. upon further investigation into my credit report, i do not have any collections with the institution, I have called the institution and they have been unable to give me information as to why it was declined. i was transferred over to the fulfillment department from customer care, who stated they do no work with previous applications that have been statused. they transferred me back to customer care, after 20 minutes on hold, someone picked up and they stated that they are unable to help me, i would need to speak to fulfillment. I informed them that I just got off the phone with that department and they can not help me. they stated they are unable to assist and hung up on me.