davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (NC)

I HAVE CONTACTED SELENE FINANCE SINCE XX/XX/2024 IN REFERENCE A PAYMENT THAT WAS SENT BY XXXX TO THEM ON XX/XX/2024. I HAVE BEEN GIVEN THE RUN AROUND FOR 2 MONTHS SAYING THAT THEY LOST THE PAYMENT AND THEN THEY FOUND IT AND IT HAS YET TO BE POSTED. I KEEP LETTERS FROM THEM STATING WE ARE BEHIND AND IT IS GOING TO EFFECT OUR CREDIT AND I INFORMED THEM TODAY THAT I WAS REPORTING THEM TO THE XXXX XXXX XXXX BECAUSE THEY ARE NOT DOING WHAT NEEDS TO BE DONE.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2024-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery states that it verified that I was notified on a legally binding document making the claim that they mailed a letter to me on XX/XX/XXXX that I never received. 
This is in regards to the results I received via CFPB # XXXX via CFPB portal on XX/XX/XXXX. 
Therefore, I am officially requesting that your organization provide verification of delivery of that notice such as the tracking number that your organization used to verify as ( PROOF ) : that you sent such notice on XXXX XXXX that you state was full complete validation in accordance with the Fair Debt Collection Practices Act. 

I was not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my credit report.

I was not given the chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ).

Portfolio Recovery is violating my consumer rights by using false misleading misrepresentation and deceptive means. 

Portfolio Recovery has no authority to furnish this account to a consumer reporting agency with my name and non public personal information to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s2 ( 7 ) A.
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates (NV)

I checked my credit for employment reason and the collection agency came in the report. Its a medical bill that the insurance company told me that the reason they have not paid it was because the Dr. billed it as me being in his office and that was not covered unless I was in the hospital. I never went to his office and I don't even know who he is but I was treated at XXXX Hospital. I explained all this to the collection agency and asked them to send me the corrected billing showing he treated me in the hospital and all they sent me was a statement showing I owed the money to the doctor. They are not willing to correct the problems and i need to take care of this. Please help me as this could affect my job. 
The collection agency is MBA Law XXXX XXXX XXXX and the creditor shown on their letter is XXXX XXXX XXXX. I am almost XXXX years old and not on such a great physical and financial shape and I want to make this right but my insurance is willing to pay for htis old bill as long as they send a corrceted billing. 
Thank you, XXXX XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (NY)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Truist Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Truist Bank, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Truist Bank never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Hello and good afternoon my name is XXXX XXXX on XX/XX/year> i reported to the bank citizen that were 33 transaction that i didnt recognized however they make a claim report with case number XXXX. I received a letter from the fraud department that they are going to closed my account on XX/XX/year>. They just want my account to be close because they dont want to be liable for the fraudalent transaction that were made. I did not make this transaction period.. i havent recieved no credit for this XXXX transaction.. i hope you guys help me resolve this issue otherwise i will sue the bank for stealing my money
Consumer complaint received 2020-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Apparently According to TransUnion I'm required to pay XXXX $ a month to have access to my own Credit Report. I'm tired of these companies charging money for what should be accessible for free. I've logged on multiple times, had to change my password multiple times only to have them tell me I need to pay a fee to access my credit. BS! 

I want to have legal access to my credit report.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I attempted to login to Experian on XX/XX/2020 and an error code was generated incorrect PIN, I know my PIN to be correct. after several attempts it then locked me out of the system. I went back and accessed the retrieve PIN page and verified my pin to be correct, as I knew it was. at this point I am unable to unfreeze my credit and I need it done today. I am under the impression it was required to completed in 1 hour? I can attest that XXXX also made it very difficult as I had to contact them by phone to complete the process. I believe these companies are intentionally making this difficult so we do not freeze our files which allows them to then profit from our files. Experian has no phone hours on the weekend so I am out of luck. This behavior should be illegal
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I wire transfer {$12000.00} from XXXX XXXX to Bank of America client. 
Quiet. Never received money. So I asked for a refund. But bank of america will not release my money
Consumer complaint received 2022-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (IA)

Hello US BANK, this is XXXX and Im writing about my US BANK account I recently opened, my online ID IS locked and I literally just set it up on the XX/XX/XXXX. There is only {$25.00} in the account from my initial deposit, not sure whats going on with my account but I cant use it. 

Thank you - XXXX XXXX
Consumer complaint received 2020-10-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Real Time Group, Inc. (CA)

About 2 months ago, I received an account statement from a company called Real Time Resolutions from XXXX, TX, the statement said that I owed {$17000.00} from a Property in XXXX XXXX, which I never relocated to that state for anything at all. So I called and they said they would do an investigation and get back with me. As of this day, they have not done an investigation for this home, they even ask me for my social security number, and the person I spoke with said it didn't match my number, so why are they still sending me statements regarding this property, which I never been or will go to XXXX to live. I live in California all my life, and now that I am XXXX years of age, I have no plans of moving to XXXX, XXXX.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

My credit card was closed. They claimed that they sent me a letter. I had XXXX points worth {$28.00} and they only wanted to give me XXXX dollars in the form of a refund check. I used the card within the one year time frame, but they said I used the wrong card.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (ID)

I contacted Equifax on XXXX seeking out how they verify a Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX. On my credit report they respond to my letter, letting me know that they verify this information through XXXX, I request my consumer report file from XXXX on XX/XX/XXXX and there is no record of this ( public record XXXX  XXXX Bankruptcy ) on XX/XX/XXXX Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : US BANKRUPTCY COURT-XXXX
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (IN)

I do not recall the dates as it has been a while. My complaint is their practices for collections. I have not received anything in writing, only threatening emails to my work email. Stating they will contact my employer to have them garnish my wages, send a Sheriff to my home. I called once and they were rude, threatening and not able to have a decent conversation without belittling me and continuing their threats. I have the most recent email sent to verify how their communication has affected me.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG MORTGAGE, INC (TX)

I have mortgage with the company CMG Mortgage , Inc . I have made timely payments since inception on XX/XX/XXXX. I am enrolled for autopay and the due date for mortgage payments is the first day of every month. 

On XX/XX/XXXX I intended to make one regular scheduled payment of {$2000.00} along with an extra principal payment of {$700.00}. However, by accident using the online system, my payment got flagged as an extra principal payment too. As a result there were two payments of {$2000.00} and one payment of {$700.00}. I asked for the company to return the extra {$2000.00} payment but they said they would also have to return the {$700.00} principal payment. We agreed for the extra {$2000.00} to be applied towards the XX/XX/XXXX payment instead. 

Today, XX/XX/XXXX. My checking account got debited for an amount of {$2000.00}. This amount corresponds to the XXXX XXXX, XXXX payment as depicted on the online account management website. I called to request the payment automatically debited to be returned, since it isn't due for an entire month. The company said they would deliver the funs via check and it would take 20 days. I requested for a wire transfer or some other faster, return of the funds. The call center agent I spoke to declined and said they only used check to return any funds. This 20 day delay affects my cashflow since I was not expecting to make any payments for another month. 

It is unreasonable for the mortgage company to expect payments on time and charge late fees if not, and still take 20 days to deliver the return of funds that should not have been taken from me.
Consumer complaint received 2024-05-01
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (AZ)

On XX/XX/2024 I sent a " revoke XXXX '' email to Speedy CashXXXX XXXX. On XX/XX/2024 Speedy Cash processed XXXX XXXX payments of $ XXXX and overdrew my account by {$140.00}. According to their records, I set up a " promise to pay '' on XX/XX/XXXX. I spoke with an agent on XX/XX/XXXX and agreed to contact them on XX/XX/XXXX to discuss getting the account current. 

I sent a XXXX " revoke XXXX '' email on XX/XX/XXXX. The agent informed me that I would receive credit for the overdraft fees. I have attempted to contact Speedy Cash at XXXX and have not received a call back to confirm the revoke request is in place and my account will be credited.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/year> my Wells Fargo everyday checking account was issued the first of TWELVE {$35.00} overdraft fees. When I called to have it corrected, because it was falsely initiated by the systems failure to keep up with the transactions and my ending balance for the day my transaction went through was in the positive by {$38.00}, the phone representative told me there is a new policy for overdraft fees and they will not refund it as they have refunded one for me already and informed me that I can not request for a refund of these fees again for 12 months. She said it was a new policy but according to all information I can locate the fee addendum occurred in XXXX of last year and Ive had their system error fees refunded several times over ( because they are arbitrarily issued to make the bank more money ) since that time so she gave me false information. The supervisor acknowledged that there was an error on their end but also refused to return my funds. In the XXXX days to follow, they initiated an outrageous {$350.00} total in the same fee. But all because of THEIR fee putting my account in the negative! My deposits were enough to cover what I was spending- but they again refused to reverse the fees and I was forced to pay them all out of my social security check that was later deposited. It took out {$310.00} of money that I NEED. They are robbing me and treat me like Im supposed to be thankful. Ive also attached a photo from my last statement to indicate that they have been doing this all year slamming my account with overdraft fee but this month they took it all too far. Additionally their policy states ( see attached ) that if an ending daily balance shows in the positive it will not be assessed a fee. When I brought that up to the phone agent she said its because it was pending. I said but so was the deposit and she says oh it doesnt count pending for deposits.
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

In late XXXX I applied and was approved for a COVID-19 Forbearance Plan. Then XX/XX/XXXX I was sent out a from Quicken Loans stating the Forbearance Plan offer was withdrawn and that foreclosure process will begin. Then to add insult to injury on XX/XX/XXXX I receive a late payment notice. 

Note : they checked my credit history without my consent.
Consumer complaint received 2024-04-30
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: Continental Finance Company, LLC (TN)

On XX/XX/year> there was a charge from XXXX for {$180.00} I disputed this transaction because first I never authorized or use this credit card with XXXX and secondly I reviewed my history with XXXX there's no such transaction amounting to that amount they sent back a letter saying it was valid how could it be valid when there was no verification done and I know for a fact there's no transaction on my part
Consumer complaint received 2024-04-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

To Whom It May Concern, I am compelled to formally address the ongoing and unresolved issues concerning the freeze on my Coinbase account ( case # XXXX ). Despite my compliance with all your requests for additional documentation and information since XX/XX/2024, my funds remain inaccessible with no justification provided for this delay. This protracted situation has caused considerable financial and personal inconvenience. 

Detailed Timeline of Events : XX/XX/2024 : Initial contact from Coinbase Compliance noting missing or outdated XXXX  information, with a request to update this within 15 days to avoid restrictions on my account. 
XX/XX/2024 : I responded comprehensively, detailing my previous occupation at XXXX XXXX, explaining the origins of the funds as my savings from employment, and attaching relevant payslips through XXXX. At this point, I was no longer employed and unable to provide recent employment verification, as detailed in my reply. 
XX/XX/2024 : Additional documentation and clarification were requested by your team, to which I responded with the required information, including a repeat submission of my payslips and bank statements. 
XX/XX/2024 : Further clarifications were provided concerning transactions queried by your compliance team. 
XX/XX/2024 : Submission of additional documents as per your request, including an electricity contract and screenshots. 
XXXX to XX/XX/2024 : Multiple follow-ups were made by me seeking updates, with minimal and non-substantive responses received from Coinbase. 
Principal Concerns : The ongoing request for documentation, which has repeatedly been provided in full, suggests a systemic issue in your review process. Furthermore, the lack of effective communication and transparency in handling this matter contradicts the values purported by Coinbase. 

Demands for Immediate Action : Immediate Review and Release of Funds : I demand a thorough review of my submitted documents and an immediate resolution to the freeze on my funds. 
Detailed Explanation and Timeline : I request a detailed account of the reasons for the ongoing account freeze and an explicit timeline for the resolution. 
Compensation for Losses : Given the significant inconvenience and potential financial repercussions of this delay, I seek fair compensation. 
Assurance of Non-Repetition : Measures must be implemented to prevent such occurrences in the future, ensuring that customer issues are resolved in a timely and transparent manner. 
I am prepared to take further actions, including legal recourse and contacting regulatory bodies, if this matter is not resolved promptly and to my satisfaction. Please respond within five business days with a detailed action plan and resolution strategy. 

Thank you for your immediate attention to this serious matter. I await your prompt and decisive action. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: OPTUM BANK, INC. (CA)

Re-submission of Complaint ID XXXX, which, for whatever unknown reason, is not listed on my CFPB page, despite receiving an e-mail and a hard copy via XXXX. The false claims by the respondent are simply wrong, and must not be allowed to stand!