davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting 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.

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 2022-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (NC)

Me and my spouse signed up for a gym membership under false pretenses and when the manager at the time left, the new manager informed us that we were not allowed to have our children present at the gym. We told them to cancel our memberships as they were now in breach of contract as the previous manager had told us that we could. After talking to the owner of the location he told us, over the phone, that all debts are forgiven and no further action will be taken. 

One month later in XXXX, I noticed an attempt to pull funds from my account, I reported it and it was refunded to me. Same thing happened in XXXX but nothing further. 

XX/XX/XXXX I got a letter from the debt collection agency saying I owed money, I immediately disputed that I owed money and requested a verification of debt. XX/XX/XXXX I got the verification letter, I mailed them back a letter saying I again dispute this debt due to the owner telling me and my spouse that all was forgiven, I also asked for verification that the company could indeed collect a debt in North Carolina. I have not heard back from the company since and when I checked my credit report, debt collection is now part of my credit report. I do not owe this money and the debt is still in dispute, I believe it is illegal for them to do so without putting a note that it is in dispute.
Consumer complaint received 2022-08-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC (OH)

The company is called ability recovery services, the continue to call and harrass me over a debt I have no knowledge of. They have contacted my employer multiple times trying to collect a Debt I have no knowledge of! The dinged my credit report as they said they would. The very first calls started at this beginning of 2022 and haven't stopped. They said they would make whatever attempts necessary to collect. Everytime they call its nothing but angry people making threats. It is really crazy because I do not have any knowledge of this account. They have dinged my credit with all 3 major credit bureaus. They even have the wrong address listed on my credit report. An address in XXXX. I have never ever lived anywhere else but ohio in my adult life. Please help me!
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

Dear. XXXX XXXX XXXX. JP Morgan Chase Bank Association received a security interest once I opened a business account with the company. Depositing XXXX dollars in the account. once alive I realized that the company had committed security fraud then identity fraud once they secured my bond trading it without my consent and have denied me payment with my security interest which is a simple endorsement a open note I never received valuable consideration all dividends from XXXX until the present immediately transferred to my XXXX account and all security bonds attached to my social security number be paid backdated from XX/XX/XXXX until the present a continuation of traded security 80 % in my favor 20 % in the company favor. account must be updated to paid in full and the cusip number for the security sent to me. I revoked all power from company and all XXXX XXXX of the company also cure the problem XXXX Governed by UCC XXXX XXXX yours / XXXX / XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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: CITIBANK, N.A. (NY)

Citibank is blatantly disregarding the terms of their own card agreement and practicing corrupt behavior as well as breaking the federal fair credit act. They are legally bound to the card agreement we agreed to upon card application but they have disobeyed the terms. 
A merchant has charged me for services they did NOT provide. I complained to Citi, the credit card provider, and to the merchant as well. The merchant agreed to credit me for lack of services. That refund never posted because Citi temporarily credited me for that complaint and at the time of the refund disbursement from the merchant the credit from Citi was still in effect. However, Citi subsequently rebilled my account stating they needed a credit slip from the merchant. I promptly submitted the credit slip where the merchant agreed to refund me but despite Citis promise in WRITING to credit me upon proof of the credit slip from the merchant they disobeyed their agreement and refused to credit me. Again the money is in Citibanks hands because they are the ones that billed me. Despite their written promise Citi outright disobeyed their own promise and completely reneged on their own terms of our card agreement. Whats worse is they simply ignore me and refuse to even dispute the charge. This rotten bank is taking blatant advantage of minority consumers they deem have no power against their big corporation.

This corruption and abuse of consumers must be investigated. Big banks can not continue to take advantage of minority consumers. I have a written agreement from the merchant promising the refund yet Citi refuses to return my own money and continues to bill me this amount. 
Please investigate and promptly refund my money.
Consumer complaint received 2024-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (CO)

Xoom is a XXXX money sending service. I tried sending some XXXX pesos approx {$20.00} usa, and they pulled the money from my XXXX account over to Xoom but then held recipients pickup. After I contacted xoom, they asked 100s of questions and said it's on hold but later was canceled!?? 
No explanation, No refund, locked me out of my account w no explanation!? Refused to talk on phone!! Total Scam and kept the funds they took from XXXX!! This occurred XXXX XXXX,2024. Because xoom immediately dissolved my xoom account, any and all information of transaction is blocked, ANOTHER ILLEGAL BLOCK TO SCAM CUSTOMERS AND KEEP FUNDS. 
Xoom should be investigated by FBI and prevented from doing business in the USA if they are not regulated. Total affiliate of XXXX.
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NC)

Synchrony provides a branded consumer finance program for XXXX, presumably on an interest free basis for a short term. I made a purchase in XXXX and was asked if I wanted the interest free option, to which I agreed. Every month I received a bill, which I paid as scheduled, and usually more. However, I have been getting collection demands from Synchrony almost every month. Now, I received notice that my credit was impacted by late payments to Synchrony, but I ALWAYS paid the bills on time for AT LEAST the amount due, and usually more. After getting fed up with collection notices with no decline in the amount, I sent enough in to pay off the bill, and closed ALL of my accounts with Synchrony. Today, I got another late notice, with the same unreduced bill amount they keep sending me every month, saying that I'm delinquent. I yelled at them previously about this nonsense before I closed all of my accounts. So, I was furious. I called again, and apparently the child on the phone was scared enough to FINALLY tell me that the additional amount is a separate charge, not included in my Synchrony billing statement, for the interest free purchase. I asked why it doesn't appear on my bill, and she said I had to pull it up on the Internet. But, that I have to have XXXX XXXX to do so!!! I told her that I don't have, and have never used Chrome, and that I'm going to report this to the CFPB. Only then did she provide me with another website to go to, to FIND MY OWN XXXX ACCOUNT!!! 

Prior to this, we closed ALL of our Synchrony accounts because I got fed up with being charged late fees and penalties even when paying the full bill!!! 

Synchrony is engaging in tactics reminiscent of the 1950 's, before there were any consumer protection laws! 

SYNCHRONY SHOULD BE SHUT DOWN, or AT A MINIMUM, SUBJECTED TO SANCTIONS. The idea that I have to have a particular browser to pay my bill, and that I get nothing but late payment notices via email, is FREAKING CRIMINAL!!!!!!

SHUT THOSE FRAUDSTERS DOWN!!!!! PLEASE!!!!!!

I'm going to drive to XXXX now to tell them what a bunch of thieves Synchrony is!!!! 

By the way, I'm an attorney, practicing for over 25 years. I've never seen anything this blatantly fraudulent and corrupt from a so-called legitimate company in all of my career! 

In my case, in the span of 5 months, they racked up late charges or almost 50 % of the original charge, and I never actually received any late notice telling me which account this applied to, why it was delinquent, or how to avoid future such charges. But, that's because I don't have XXXX XXXX AS MY BROWSER!!!!!! (??? ) Please! Shut these crooks down!!!!!
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received the letter from BoA saying they were going to send my New Credit Card, for which I never applied. Bank of America close the account after receiving my call complaints, but refused to investigating who issued the card. Even if that information is critical to breach my financial privacy. And also, Bank of America did not voluntarily offer that they will make sure the credit card account NOT to be recorded in my credit report.
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

Closing date was XX/XX/2022. 
What was not disclosed at closing was the Note-Promissory note that I signed paid for the house, then moments later after signing Mortgage that I conveyed the paid in full house back to the XXXX XXXX XXXX None of the information above was disclosed to me about what just took place. 
This is mortgage which they the lender are having make payments to them on a loan I never received plus the house was paid in full because the Note was monetized deposited into an account which it was accepted for value to pay the seller. 
I have done research on this for several months now.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

My wallet and all personal information was stolen in 2018. On my first time obtaing a credit monitoring app recently, i have seen numerous inquries/accounts and collections on my credit report that i did not put on there. my identity was stolen.
Consumer complaint received 2020-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBM Services, Inc. (MI)

I got hurt at work in the summer of 2019. I tore the XXXX and XXXX in my XXXX XXXX. My medical bills were covered by occupation accident insurance which covers 100 percent of my medical expenses and pays me for my time i am not able to work. I went to XXXX XXXX in XXXX XXXX Michigan. Its part of XXXX hospital and i went to physical through XXXX hospital. All my dealing were with XXXX health i got a call from a debt collector earlier this year claiming i owed XXXX XXXX money. I have never heard of XXXX XXXX. I have never dealt with them. Turns out after some research XXXX buys some medical equipment from them. They bought my XXXX XXXX and of course charged me for it and they got paid by my insurance. But they put it in my name on the bill to and I had no clue then they didn't pay the bill. I have not signed or authorized anything. Now this debt collector is trying to get my to pay the bill.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC. (VA)

Today I received email from Robinhood about the are going to close my account and debit card XX/XX/XXXX without any explanation and the email states this is the final decision.I am totally shocked and very disappointed.I been loyal customer to Robinhood for past few years and I even transfer my ROTH IRA FROM XXXX XXXX TO ROBINHOOD.I am XXXX XXXX XXXXXXXX XXXX and I strongly believe I been not treated fairly by this institution.Instead the are discriminated and humiliated me for being a loyal customer. 
I am going to transfer my ROTH IRA FROM ROBINHOOD AND WILL NEVER EVER GOING TO HAVE A DEAL WITH THIS DISCRIMINATORY INSTITUTION AND NEVER GOING TO RECOMMEND ROBINHOOD TO ANYONE ELSE. 
I cant reach them by phone and I cant reach them by help support chat and no email address is exist to contact them.The are full of bad surprises and definitely dont care about loyal customers.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (GA)

I am writing to file a formal complaint against National Credit Systems for their egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts to rectify this matter and seek validation of the reported debt, I have encountered flagrant disregard for consumer rights and substantial financial harm. 

On XX/XX/2023, I sent a demand for validation to National Credit Systems regarding a reported debt they claimed I owe. Despite this, on XX/XX/2023, they responded with a refusal to validate, failing to provide essential documentation, including a signed contract bearing my ink signature, records indicating when they received the debt, the contract with the original creditor, and the amount they paid for it. These actions not only violate the FCRA but also demonstrate their inability or unwillingness to comply with basic consumer protection provisions. 
Furthermore, National Credit Systems has been reporting this debt without my consent, a clear violation of FCRA Section 605B. Additionally, the reported debt is not legally enforceable in the state of Georgia, where I reside, as the statute of limitations on debts is XXXX years. Despite these legal constraints, they persist in reporting the debt, thereby perpetuating their unlawful actions. 

As a direct result of the fraudulent reporting by National Credit Systems, I have been unjustly denied access to credit opportunities for the past XXXX years. This includes the inability to secure financing for purchasing a home for my family, causing significant emotional distress and financial setbacks. 

Therefore, I am requesting compensation for the losses I have incurred due to the actions of National Credit Systems. I ask that this compensation align with the policies outlined by the Consumer Financial Protection Bureau for violations committed by credit collections.

Additionally, I request that National Credit Systems immediately cease all reporting efforts related to the disputed debt and remove all claims to report inaccurate information from my credit report to rectify the inaccuracies and prevent further harm to my financial standing.

Enclosed with this letter, you will find copies of all relevant correspondence, including receipts of my demand for validation and National Credit Systems ' refusal to validate, as well as any supporting documentation related to the disputed debt.

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take appropriate action to hold National Credit Systems accountable for their failure to ensure the accuracy and fairness of consumer credit reports.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2020-07-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

My mortgage was transferred and I was not informed. When transferred additional fees were accumulated that I dont understand that were not properly explained. I am behind in my mortgage but when I try to pay by phone and online me apparently the system will not let me pay unless I pay the full amount. As a result I go further behind. This system and not allow me to pay past due only.I believe that I could catch up on my mortgage if the if the company would except payments other than the full payment which I cant pay. I cant pay two whole months at one time but the system in the mortgage company will not allow me to pay a month and a half so that I could catch up. Can you help
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (VA)

Requested a dispute through XXXX on XX/XX/22 but the creditor stated the account information was correct. There is one late payment on the account and it is reported inaccurately. Submitted a dispute but they rejected my request. I went through a financial hardship but the payment was made within 30 days and therefore should be considered late. 

In accordance with the fair credit reporting act XXXX  account has violated my rights. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OpenRoad Lending (MD)

I was searching my offers for refinancing my auto loan through XXXX, and many offers came out, but I wasn't interested in any of them, 5 minutes later I received a email from XXXX XXXX telling me that a new hard inquiry was just added to my XXXX   credit report, and after that I received an email from www.openroadlending.com saying " We have completed processing your loan application. Come back to our website '', I don't know who is this company and why they are doing a loan process without my permission, I wrote them but I still don't have an answer from them, so I don't want a hard inquiry if didn't do my consent, that will affect my credit score, the name who is shown in XXXX XXXX is XXXX   XXXX, I already call them and they told me that they work with OpenRoad Lending
Consumer complaint received 2024-05-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/24, I logged into my Marcus Goldman Sachs account and linked an external account ( XXXX XXXX ) using the Plaid verification service. I then initiated a {$10000.00} transfer from my MarcuXXXX Goldman Sachs account to my newly linked XXXXXXXX XXXX  account. Around XXXX on XX/XX/24, I received a call from an agent with Marcus Goldman Sachs asking me to verify the transfer request. I told the agent that I had submitted the transaction and the agent said that the transfer would go through an no other information was needed. On XX/XX/24, I logged into my Marcus Goldman Sachs account and saw that tthe initial transfer I made was reversed and a new transfer request was made on my behalf. Around XXXX on XX/XX/24, I get another call from Marcus Goldman Sachs asking me to verify the transfer request. I told the agent that I made a request to transfer $ XXXX to XXXX and that an agent had already called me about it yesterday. The agent placed me on a hold then told me that I would need to do a XXXX way call with XXXX to verify the account. The agent placed me on a hold to find a phone number to call XXXXXXXX XXXX. After XXXX minutes, the agent came back and stated that he could not locate a phone number to XXXX XXXX and as such he can not verify my account and I could not transfer money to that account. I asked the agent why I am unable to use that account if it was linked and verified via XXXX. XXXX stated that it's because of his inability to verify the account that I am unable to use it to transfer money to. Upset, I hung up the phone. Now, I have to wait another XXXX hours before I see the {$10000.00} transfer reversed and have the money back in my account. All the while, I am losing daily interest on my money because of this useless inconvenience and runaround.
Consumer complaint received 2020-07-05
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. (TX)

I have submitted disputes by certified mail on XX/XX/20 and XX/XX/20. I requested verification of their investigation and only received credit reports with no changes. I notified each creditor that was disputed and was told each time that I needed to contact credit bureaus.