davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
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: Experian Information Solutions Inc. (SC)

The following companies ran unauthorized credit report on me : XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX At no time did I give them permission to inquiry about my credit status from these companies, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights. Please delete this misleading information from my report.
Consumer complaint received 2021-02-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (CT)

I have a debt that was recently added to my credit for {$2900.00} from Lockhart & mo.. I've attempted to contact Lockhart and a woman named XXXX was clearly the head of answering phones. She was rude, nasty, yelling at me. She told me this is my debt and I need to pay it, stop running in circles because she's already talked to me before. I've never talked to this woman or anyone about a debt. I have a decent credit score, I keep up with my bills, I always pay on time. Because of this, Lockhart was able to get my XXXX credit card company of over 7 years to cancel my account. Which I need reinstated immediately. This woman XXXX says this debt happened in Arkansas, XXXX of XXXX I've lived in the state of Connecticut since XX/XX/2015. Nothing adds up here. I've called XXXX a million times for help and I either get no where with the robot system or my results always come back from my dispute as pending ... who do I have to contact to get this fixed right away.?
Consumer complaint received 2019-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The following companies ran unauthorized credit report on me : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX At no time did I give them permission to inquiry about my credit status from these companies, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights. Please delete this misleading information from my report.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Yes on XX/XX/2022. I couldnt unlock my debit card to use it. Chime was having issues where nobody could unlock thiers card. This issue caused me not be able to get gas after work to get home. I had to wait at the gas station for XXXX hours before the issue was resolved. This inconvenience caused me to be late picking up my kids at the babysitter. Because I was late I had to pay my babysitter extra money for being XXXX hours late. This was very inconvenient and embarrassing not to mention a waste of my time. This is not the first time Chime had this problem. There has been many times this has occurred. I sent an email to Chime customer service explaining everything that happened. There response was thanking me for the feedback and they will try better next time. I feel I should be compensated for the extra money I had to pay the babysitter and for my time wasted. I made that clear to Chime. I could understand if it was a XXXX time thing but it was not. On numerous occasions Chime has had this problem. I feel that this should never happen we put our trust in the people holding our money with the belief that when ever we need to use our money we should be able to. Without any hesitation or problems.
Consumer complaint received 2022-04-28
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: ALLY FINANCIAL INC. (PA)

Ally financial in regards to account number XXXX. Gave a response to a complaint ( CFPB Number : XXXX ). The issue with the response is it does not address the issue it simply deflects it. The agreement worked out was payment would be made on the account in exchange for the trade line to be removed in full. Theyre recorded phone conversations where the promise was made. Payment was made per Allys terms and copies of the check emailed with tracking and the check itself being certified and overnighted to Ally. A month has now passed and they come back stating that the tradeline will stay and should remain on my credit for the co signed account. It appears they scammed me out of the payment and didnt keep up their end of the agreement. 

I demand that CFPB help me with having the trade line removed. My next step will be to file suit in my local court for the fraud ally committed were not honoring the agreement they worked out
Consumer complaint received 2018-02-03
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. (CA)

I am filing a complaint against the 3 credit bureaus XXXX, Equifax, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and XXXX removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I ordered kitchen cabinet doors, online, from a company called XXXX XXXX. I paid this company {$1700.00} in full upfront for the doors. I ordered 27 cabinet doors in specific sizes. The merchant sent me only 12 doors and not the sizes that I ordered. I called the merchant on several occasions, XX/XX/XXXX & XX/XX/XXXX. I spoke to a customer service representative who told me they would look into the matter and get back with me, no one ever called back, other times I would leave a voice mail message. On XX/XX/XXXX I sent a letter to merchant, see attached, explaining my dispute. I received no response. I asked that merchant have their shipper pick up the cabinet doors and either ship to me the correct order or refund my money, I received no response. 
I then filed a dispute with my credit card co., Capital One. I sent to them a fully completed dispute form. They asked for certain documents, I sent to them a copy of the original purchase order from merchant and a letter from myself detailing the merchandise that I did receive and explained how it differed from the merchandise that I ordered, see attached dated XX/XX/XXXX. I sent pictures to Capital One of my kitchen and pictures of the cabinet doors sent to me. Capital One refuses to issue a refund back to my card. The merchant has {$1700.00} of my money and I have a kitchen with no cabinet doors.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has two predatory lending practices. 

1. Reports inaccurate balances 2. Reports under two different names for the same credit account. 

I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

The three major credit bureaus are reporting a bankruptcy past the credit reporting limit and it must be removed. I recently checked my credit report and noticed that a very old bankruptcy continues to report on my credit file. This was filed 9 years ago! That is insane to still be reporting on my credit file as the credit reporting limit is 7 years. This needs to be removed immediately.
Consumer complaint received 2018-01-09
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. (FL)

Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
Consumer complaint received 2020-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HELLO AND I TRIED TO COMMUNICATE WITH XXXX DEPARTMENT OF FRAUD FOR THE CHARGES THAT APPEAR ON MY CREDIT CARD, I REPORT THE CHARGES AS A FRAUD ARE FRAUDULENT TRANSACTIONS, ALREADY I HAVE A LONG TIME WAITING FOR THE RESOLUTION OF THE CASE AND I NEED THEM ONE LETTER SAYING THAT THE CASE WAS APPROVED THAT THE CREDITS ARE PERMANENT AND NOTHING THEY GIVE ME THOSE CREDITS, IN THE CREDIT AGENCIES THEY HAVE BEEN REPORTED LATE PAYMENTS THEY ARE DAMAGING THE CREDIT WITH WRONG IMMIGRATION PAYMENTS LATE AND FAKE USE THAT I HAVE TO XXXX AND IT IS NOT SO I DON'T HAVE ANY PENDING BALANCE WITH VYSTAR I NEED THAT SOLUTIONS THIS QUICK PROBLEM IS TOO MUCH THE TIME I HAVE BEEN WAITING THEM TO DELETE THE NEGATIVE HISTORY THAT REPORTED THE CREDIT TO THE CREDIT CREDIT CARD.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2018, I tried to make a purchase at XXXX XXXX. At the register, they talked me into opening a credit card and make a purchase using their credit card. I opened and made a purchase with a credit card. I never received a statement from XXXX XXXX. So I did no know when the payment was due. I had an outstanding balance of {$230.00} on XX/XX/18, which is when they charged me a late payment of {$27.00} as well as a finance charge of {$4.00}. I called them on XX/XX/XXXX and made a minimum payment of {$45.00}. They reversed the late payment fee on that day. After that payment and reversal my outstanding balance went down to {$180.00}. On XX/XX/XXXX, they charged me another late payment of {$27.00} and finance charge of XXXX on the outstanding balance of {$180.00}. I paid off the outstanding balance of {$180.00} on XX/XX/18, which left the account with only outstanding amount of XXXX consisting of late payment fee of {$27.00} and finance charge of {$4.00} which had been charged on XX/XX/XXXX. On XX/XX/XXXX I got charged another late payment fee of {$27.00} and finance charge of XXXX. This late payment fee and finance charge was charged on an outstanding balance which consisted of purely finance charge and late payment fee. The total amount of fee charged equaled the outstanding balance. On XX/XX/XXXX, a payment of {$34.00} was made to cover the outstanding late payment fee. On XX/XX/XXXX I was charged another late payment fee of {$27.00}. I made another payment of {$34.00} on XX/XX/2018. I was then charged another late payment fee of {$27.00} on XX/XX/XXXX as well as finance charge of {$2.00}. I would like to ask that XXXX XXXX credit card reverses all of its late payment fees charged since and including that of XX/XX/XXXX. That's a total of 4 late payment fees of {$27.00}. Those late payment fees should not have been assessed as the credit company charges late fees on a balance consisting of purely late payment fee which was only few dollars more that the late fee they charge.
Consumer complaint received 2021-10-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of ED/XXXX . This was the first time I was aware of payment being required as the Department of ED/XXXX  never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. 

I submitted hardship letters to the Department of ED/XXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. The Department of ED/XXXX has still not granted me a goodwill request even thought the account has been paid. I have also submitted in total 4 disputes to their company. The first two disputes I did receive notification via mail that the request had been denied. I have also submitted two additional request and they have not informed me of the results or action tokened.
Consumer complaint received 2022-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

I am a legal aid attorney submitting this on behalf of my client XXXX XXXX, who has a mortgage serviced by Citizens One Home Loans. 

Borrower : XXXX XXXX Servicer : Citizens One Home Loans Subject Property : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Loan # : XXXX My client applied for and received {$21000.00} in Homeowners Assistance Funds to reinstate her mortgage ( see benefits award letter attached ). That money was wired to Citizens, according to the eligibility analyst at Louisiana 's Homeowner 's Assistance Fund, but Citizens has not applied the funds to my client 's account, nor have they provided any explanation as to why they haven't applied the funds to my client 's account. 

We have repeatedly contacted my client 's single point of contact at Citizens, but have received no response since XX/XX/2022. 

I sent a qualified written request and notice of error to Citizens regarding this issue on XX/XX/2022 ( attached ). I have not received an acknowledgement or response.
Consumer complaint received 2018-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VALLEY NATIONAL BANCORP (NJ)

Re : Complaint : your file number XXXX I applied for {$1000.00} over-draft protection. Days later the assistant bank manager at the XXXX XXXX XXXX, XXXX, New Jersey personally told me while I was in her branch bank, " I have good news for you, XXXX XXXX. Your application for {$1000.00} over-draft protection has been approved! '' Some days later the bank branch manager of the XXXX XXXX XXXX, XXXX, New Jersey told me, " XXXX XXXX, the approved application for {$1000.00} overdraft protection has not be connected. You may be have to pay a fee for two checks for insufficient funds. '' They are check numbered XXXX for {$80.00} and check numbered XXXX for {$400.00}. 

I told the branch manager that I refuse to pay the insufficient funds fee of {$36.00} for each said check. I told him that it was his bank 's fault that the overdraft protection had not been, to use his word, " connected ''! He said he would look into the matter and get back to me that same day. He never got back to me. 

Yesterday I received notice from XXXX XXXX XXXX that I am being charged {$36.00} for check XXXX for {$80.00} and that I am being charged {$36.00} for check XXXX for {$400.00}!
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MN)

I had a Best Buy credit card through CBNA that was closed with a {$0.00} balance in XXXX. Citibank confirmed this with me on the phone on XX/XX/18. However, XXXX is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, Citibank is telling XXXX there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true!
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (CA)

I received an alert on my credit report about a collection. I pay my bills on time so I was confused. I received the alert on XX/XX/2021 for {$310.00} via XXXX. It was from a company called Vance and Huffman. I have never received any correspondence from this company about this alleged debt. According to the Fair Debt Collection Practices Act, I should have have received written notification. I have never received a debt validation letter stating that I owed the debt. I have never been mailed anything from this company.
Consumer complaint received 2021-10-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX, I received notification that my credit report had 5 late payments reported from the Department of ED/XXXX . This was the first time I was aware of payment being required as the Department of ED/XXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all 5 student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. 

I submitted hardship letters to the Department of ED/XXXX requesting they grant me a Goodwill Request as the 5 late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. The Department of ED/XXXX has still not granted me a goodwill request even thought the account has been paid. I have also submitted in total 4 disputes to their company. The first two disputes I did receive notification via mail that the request had been denied. I have also submitted two additional request and they have not informed me of the results or action tokened.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Foris DAX, Inc. (TX)

I used crypto. Com and saved my card on file. A couple of days later {$3800.00} was taken from my debit card that was stored on file. Crypto. Com took unauthorized funds from my bank account and will not give it back.
Consumer complaint received 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I had a conventional, and what I believe to have been a gov backed mortgage or XXXX with XXXX from XXXX, loan number XXXX. In XXXX, because of health issues, I had to file for chapter XXXX, but re-affirmed my mortgage, and my payments continued, and never missing a payment. The information and payments continued to show in my credit report. 

In XXXX, 7 years later, my new loan servicer was Select Portfolio Services. ( SPS ) account # XXXX, and I have been making payments to them, never missing a payment. However, these payments did not show on my credit report. 

I have been trying to determine if my new mortgage is still backed by the fed, or XXXX. I have contacted SPS, they said no, it wasnt in the screen as backed, but I am almost sure it was with XXXX, so if the loan terms on the conventional loan from XXXX should legally be transferred to SPS, what happened? 

Because of COVID-19, I am looking into this loan, and now quite nervous of its handling. Recently, I asked for a copy of the re-affirmation documents, and SPS said they didnt have them. 

SPS : XXXX XXXX XXXX  XXXX