davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

XX/XX/XXXX I refinanced two property rentals with on time paying tenants. I have the properties professionally managed by XXXX. Selene Finance was the new mortgage holder. 

Selene finance has yet to submit payment to my insurance provider XXXX from the impound account. XXXX cancelled my properties insurance policy XX/XX/XXXX. Due to me being a long time customer and Selene Finance admitting their at fault for not submitting payments, XXXX reinstated my policy with no lapse in coverage as of XX/XX/XXXX. 

XXXX of XXXX payment still was not submitted to XXXX from XXXX although we have proof of timely payments. XX/XX/XXXX I conducted a conference call with Selene Finance, XXXX, and the insurance XXXX along with the insurance XXXX. 

We were assured from Selene Finance that payment would be submitted to XXXX and we confirmed several times of the payment process. As of today, XXXX still has not been paid and XXXX  keeps trying to enforce Lender insurance although I proved I have coverage with XXXX. 

XXXX will finalize cancellation of my policies XX/XX/XXXX if payment is not received. 

Please help me correct this situation as I want to resolve before consulting with an Attorney.
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc. (OR)

I found a lien against my house when I did a property search on XXXX last night. I have no knowledge of this lien and had no knowledge of this debt either. The lien was filed in 2018 in the amount of almost XXXX. When I was younger I was very irresponsible with my credit, i didn't pay my bills or credit cards, along with medical bills, they all went unpaid. If this lien has incurred from those debts, I'd assume this is illegal since I've had no notice of this debt in over a decade. No phone calls or letters, no knowledge of a court date. According to ORS XXXX the lien was supposed to be perfected which includes a statement of demand, which I never received. 
I believe ray Klein inc is guilty of violating ORS XXXX of false swearing because the court records for this lien mention the owner of the debt being notified or having knowledge and under the comments the only thing it says is " personal. '' What does that even mean? Someone from ray Klein inc claims they personally notified me of the debt or court notice? I can only guess what any of it means since I wasn't notified nor was I there to defend myself. 
Also in oregon the statue of limitations for debt is SIX YEARS. again I have no knowledge of this debt but I would love to see proof of this debt being as recent as six years ago because I highly doubt that. If this debt is a medical bill which ray Klein inc is known for collecting debt for ( providnece ) then ray Klein inc is guilty of violating ORS XXXX Q- attempts to collect any debt that the collector knows, or after exercising reasonable diligence would know, arises from medical expenses that qualify for reimbursement under the oregon health plan or under XXXX. I have been insured through XXXX for the last six years and it is not possible for me to have any medical debt that has not been paid. 
Another violation.. ORS XXXX files legal action to collect or files a legal action to collect a debt if the debt collector knows, or after exercising reasonable diligence would know that the statue of limitations bars the collection I could go on and on for all the violations this company is guilty of since there are so many laws to protect consumers for this very reason, for businesses like ray Klein inc . I plan to sue this company and hopefully they will be known for the fraud, falsifying, lying dirty rats they are.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

XXXX and The Home Depot are violating my consumer rights by reporting XXXX late payment for the XXXX, XXXX, & XX/XX/year> that they have not proved to be verified as accurate. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Second Round Limited Partnership, Austin, TX Branch (GA)

This is the second time these people have sent a request of production of documents to MY employer requesting information on my son THAT DOES NOT WORK FOR THE COMPANY AND NEVER HAS!!! This has put me in an embarrassing situation of having to explain this to my boss! I am a XXXX  for a builder and we all know each other in the company and by now this has spread like wildfire that my son, again, that has never worked for the company, got served at the company. In addition ; Who is the XXXX XXXX XXXXXXXX? Yet another location receiving these documents disparaging my son 's reputation that he has no idea and no relationship. This is an extreme violation of my rights AND my son 's rights. The first time they did this they sent these letters out to individuals that have no relationship with my son. Like my employer XXXX XXXX. Another reason this is so damaging regardless of the lack of relationships with these companies is the unique last name we have. XXXX is a family name and the only people that have it are related. My husband is the oldest male XXXX in the entire world at age XXXX! People recognize us by our last name here in XXXX. To have these service documents sent out all over the city haphazardly is irresponsible and a total disrespect.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

I closed my account in XX/XX/XXXX. I had until XX/XX/XXXX to pay off my account. I paid my account balance IN FULL. CitiBank did not close my account, moved me to a different credit card, and has been charging me interest and late fees for XXXX  months now. I've asked them to close this account, they refuse. I've asked them to remove the fees, they refused. 

They are now harassing me by calling EVERY SINGLE DAY
Consumer complaint received 2023-01-31
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX and account # XXXX, Account name : US Bank and account # XXXX, Account name : XXXX and account # XXXX, Account name : XXXX XXXX  and account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I opened a chime bank account on XX/XX/XXXX and had my checks direct deposited to this account the date of my first direct deposit was XX/XX/XXXX. On XX/XX/XXXX I noticed some charges on my account from XXXX XXXX rental that I did not authorize to be made upon looking the first transaction made on my account was on XX/XX/XXXX at that time I called chime and told them that I did not make the transactions and at the time there was 3 transactions that so between XX/XX/XXXX till XX/XX/XXXX There was a total of 3 transactions that I informed chime about and told them that theses charges are unauthorized and I didn't approve any charges by this company so they filed a dispute on my behalf due to this and explained to me what needed to be done to get my money back and I thought that was the end of it. How ever it was not a few days passed as I'm waiting on the dispute to be completed and the funds to be placed back on my account only to be told the investigation discovered no error so I'm checking my app and I see that my account witch should have had a balance of around {$10.00} was actually- {$49.00} and I made no transactions so I'm looking and I see that the same scooter rental company processed several more transaction on my account even after I called on XX/XX/XXXX to report the unauthorized charges there was an additional 15 charges since XXXX that was processed by the same company I reported with chime so I opened a new dispute for all the transactions again only for chime to tell me there's no error they found with these charges I have been on the phone with chime for hrs and hrs at a time trying to fix this and they have done nothing at all to fix this problem I have had to still pay over draft fees each time my check is deposited to them even thought my account should have never been overdrawn in the fist place But because chime never stopped the transactions after I called in on XX/XX/XXXX I'm still being charged I finally was informed that I need a new card witch should have been done when I called in on the XXXX but for whatever reason was not done but my account is again at a - {$40.00} bal and I'm not paying it I have canceled direct deposit due to this issue I have called and called and called chime to figure out how they could fix this issues and to get my money back but they have refused to provide any solution to my problem and they will not replace the money that was not supposed to be withdrawn from my account I have threatened legal action I have asked for supervisors I have done everything I can to work with chime on my account to get this issue resolved and they have done nothing
Consumer complaint received 2021-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (SC)

I opened a venmo business account per their instructions to sell off a few personal items, and after the first transaction, they locked my account unless I gave the all invoices, customer personal information including what was purchased and where it was shipped and the names address and phone numbers and tracking numbers for said purchases. This is nowhere in their disclosure or is it material information that they need for any reason that they could give. I have never had a financial institution ask such questions. Please advise
Consumer complaint received 2024-05-15
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

Closed Synchrony bank credit card for Lowe 's when interest fees and fees for paper statements were introduced. Bill was sent for fees and interest and the next month fees and interest were added onto the original bill for fees and interest doubling the amount due. Asked the bank to reduce the account to {$0.00} so that fees and interest would not continue to accumulate. Company removed all fees except {$1.00} for paper statement. I paid off the {$1.00}. this month, another statement was mailed to me. STOP. Account has been closed.
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I started to use my credit card for some business expenses in late XX/XX/year>. My credit limit was {$55000.00} at the time. I was shocked to see that my balance on the card was {$97.00}, XXXX for my XX/XX/XXXX statement. I called Bank of America on XX/XX/XXXX or XXXX ( I can't remember the exact date ) and asked how my card got a bill of XXXX XXXX  when my credit line was {$55000.00}. The person at BofA did not know. Eventually, they got a manager on the phone who told me that they have never seen anything like this before. I was told that the only way for me to stop the new charges from occurring was to report the card as stolen and hope that the recurring charges would end. 

Bank of America allowed the recurring charges to take place above my credit limit. I thought that a credit limit was a limit- meaning the businesses could not charge above the credit limit. 

I was deceived by Bank of America. What does credit limit mean??
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NC)

In XXXX of 2021 I applied for and received a XXXX XXXX XXXX XXXX XXXX from Barclays Bank with an introductory offer of XXXX points for first {$1000.00} spent in first 90 and an additional XXXX points for a second {$1000.00} spent in a second 90 days. I have never received any of these points nor any points for any purchases ever on this card. I have contacted both Barclays Bank and XXXX XXXX XXXX XXXX ( several times each ) about these missing points only to be told by both Companies that it is the other Companies fault and to get in touch with them. Customer Service for both Companies is absolutely useless. XXXX XXXX tells me that Barclays Bank never requested that my XXXX XXXX XXXX XXXX XXXX be attached to my rewards program with them, so Barclays Bank has me with ( as of today ) XXXX rewards program points and XXXX XXXX has me with XXXX points. All I want is for my CC to be in sink with earning the points that I am entitled to and as of today I am still earning NO REWARDS POINTS with this CC..PLEASE HELP ME THANK YOU
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX. XXXX, 2022 Good day Sir or Maam hope all is well, The reason for this Is because Ive been having issues with TransUnion they keep reporting back on my credit report a Account that has been Removed by XXXX, due to me Stating that I never knew anything about that account. I spoken to the collection agency and they told me that they werent the ones that report on my credit. I need TransUnion to remove it. Because its fraud I dont recall having a XXXX account.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I have received phone calls inquiring payment on a debt showing on my credit. I have requested numerous times for clarity on the charges via telephone from the agents contacting me from XXXX. XXXX, XXXX What am I being charged for, what is the original bill? I have not been provided clarity on the collection item. The name identified on the collections does not match my full name either.
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

1- On XXXX XXXX I sent a payment from my checking account to pay my XXXX bill for {$1000.00}. 
2- I made the mistake of sending this payment to the wrong account. XXXX Use to have AMERICAN EXPRESS few years back but now they use XXXXXXXX XXXX. 
3- I made the mistake of using this old AMERICAN EXPRESS account to sent the {$1000.00} payment. That account number is XXXX XXXX XXXX and conformation # XXXX This number is the confirmation number from my checking account on XXXX XXXX  XXXX XXXX-I called AMERICAN EXPRESS and their short answer is that because they dont handle XXXX accounts anymore that I should call XXXX XXXX to deal with this issue. At one point in my first called they said that they received the money but was in process, then few day later they said that since is a XXXX account they cant access the account and therefore cant do nothing about. 
5- When I call XXXX XXXX they cant find anything since the account number that I give them a reference is an AMERICAN EXPRESS account number and of course they cant find anything and told me that AMERICAN EXPRESS should refund that money. 
6- My bank XXXX  XXXX XXXX generated an e-check to pay the mistake that I made and AMERICAN EXPRESS XXXX according to my my bank, cashed that check. 
7- I did a complaint to my bank and they got the same answer as I did. 
8- Last week on XX/XX/XXXX I went to my back in person y talk to an account manager, they called AMERICAN EXPRESS and he was told that the money was sent to XXXX XXXX XXXX but its been a week and the {$1000.00} had not been posted to my account. 
9- I XXXX  XXXX XXXX AND STILL HAVE TWO ACCOUNTS WITH AMERICAN EXPRESS. 
10- Please if you need more information feel free to contact me XXXX XXXX XXXX XXXX XXXX at my email XXXX PLEASE HELP ME
Consumer complaint received 2021-04-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I contacted the credit reporting agencies multiple times and requested a dispute I've also submitted dispute on their online portals and each time they take upwards of 30 or more days and then make no change to the report when in fact during that time creditors have indeed sent updates and the statements have in fact updated the credit reporting agencies however continue to not report the correct information.
Consumer complaint received 2022-01-17
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: GOLDMAN SACHS BANK USA (TX)

CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for GOLDMAN SACHS BANK to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My mortgage company sold my mortgage to another mortgage company. Their action lowered my credit score through Experian now saying due to the time I have had my mortgage. I have never made a late payment, I always pay more than the minimum amount due and I did not ask for a change in companies. Why should I be penalized in any way just so a mortgage company wants to make more money? My mortgage has been sold 4 times in less than 12 years. I would guess because I have a very low interest rate. 
I will never be able to change this abusive practice as I am XXXX XXXX XXXX and will probably die before they continue to sell my mortgage keeping my score lower. I have no other debt.
Consumer complaint received 2022-01-17
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: CITIBANK, N.A. (TX)

CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for CITI CARDS to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Consumer complaint received 2021-04-28
Product: Credit card or prepaid 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: FinCo Services Inc DBA Current (IL)

OnXX/XX/2021 at XXXX XXXX  I was charge for something I didnt make for XXXX I called the bank and the bank did an investigation and didnt find any fraud activity.
Consumer complaint received 2021-03-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation (OK)

They are harassing my family and friends. Even ones that I didnt list down for references. They have a good number for me but they still call excessive amounts of times and constantly call my references and friends and family. I dont know how to get the harassment to stop.