davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NC)

I have never had an account with XXXX, and certainly not within the last two years. It popped up on my credit out of nowhere with the third-party Jefferson Capital . Ive already disputed it twice because I am positive that I have not had an account with them needs to be deleted from my account.
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I had XXXX accounts with SYNCHRONY BANK. XXXX  and ASHLEY HOME STORE. 
I paid off the XXXX in FULL in XXXX. It currently has no balance. 
I have had my hours cut from my job since XXXX. 
I paid the SYNCHRONY ASHLEY account {$66.00} on XXXX XXXX in a good faith effort to keep current on payments even though I do not know how I am going to pay my rent. 
Last night they just arbitrarily closed my account. 
I had a job interview with the courthouse last week. 
Employers check your credit as a criterion for hiring/employment. 
Despite my having paid my XXXX account with XXXX they are considering me a high risk. 
I have the intention of paying the rest of this ASHLEY HOME STORE account just as I did with the XXXX. My advance payments on the XXXX do not seem to count as a positive for my evaluation even though they are BOTH through SYNCHRONY. 
Closing the account has brought my score down to XXXX points. I will NOT be hired for a job with this issue. So it will CRIPPLE me financially because I will not be able to pay any bills if I can't get a job. 
No one contacts you to see if you can pay, the effort I did make on XXXX doesn't seem to make a difference. I just want the account to be reopened so it doesn't hurt my credit so I can get a job and continue making payments. 
The system is rigged against us.
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc. (UT)

In good standing with them and met terms of payoff and removal from bureaus yet it still there with consistently inconsistent info from one bureau to another. 
Completed XX/XX/XXXX Payment Status Error The current payment status of 30 Delinq is incorrect because the balance due on this account is {$0.00}. XXXX Balance Paid on time showing no lates for XX/XX/XXXX or XXXX Status though States 30 Days Delinquent yet no lates posted XX/XX/XXXX or 90 or past dues Closed in XXXX should not be reporting. Currently showing 30 days delinquent with a XXXX balance due Sent XX/XX/XXXX I Previously Disputed This I have new accounts established with you which are all in good standing and looking to scale my personal and possibly business ' credit with you in other ways however this account is obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. I previously disputed this account stating : " The current payment status of 30 Delinq is incorrect because the balance due on this account is {$0.00}. XXXX Balance Paid on time showing no lates for XX/XX/XXXX or XXXX Status though States 30 Days Delinquent yet no lates posted XX/XX/XXXX or XXXX or past dues Closed in XXXX should not be reporting. Currently showing 30 days delinquent with a XXXX balance due ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (TX)

I am writing to dispute the actions of [ Cain & Weiner ] regarding a collection account that has been reported to consumer reporting agencies. Despite my requests and the provisions outlined in federal consumer protection laws, [ Collection Agency Name ] has failed to provide validation information and has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and related regulations.

Specifically, [ Cain & Weiner ] has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my requests for validation of the debt, they have failed to provide any documentation to verify the legitimacy of the account in question.

Furthermore, I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the required dispute process is a clear violation of federal consumer protection laws.

Additionally, [ Cain & Weiner ] has engaged in deceptive and misleading practices by reporting this account to consumer reporting agencies without fulfilling their legal obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Their actions constitute a violation of my rights and protections as a consumer.

I respectfully request that the Consumer Financial Protection Bureau investigate the actions of [ Cain & Weiner ] and take appropriate measures to address these violations of federal consumer protection laws. I also request that [ Cain & Weiner ] be held accountable for their actions and be required to provide the validation information and dispute process as mandated by law.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (FL)

these collection agency has not provide validation information under 12 cfr 1006.34 ( b ) ( 5 ) but yet they place a collection on my consumer report.

I have not been given a chance to dispute my account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) collection agency is violating my consumer rights by false misleading, misrepresentation and deceptive means. 

collection agency has no authority to furnish any accounts to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006. 34 ( d ) and 15 usc 1681-S 2 ( 7 ) ( a ) the companies are - ( CKS PRIME investments XXXX original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX COLLECTION AMOUNT {$590.00} ( XXXX XXXX XXXX XXXX- original creditor XXXX XXXX collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX COLLCTION AMOUNT {$2000.00} XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX COLLECTION ACCOUNT CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX DATE OPEN XX/XX/XXXX COLLECTION AMOUNT {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX DATE OPEN XX/XX/XXXX AMOUNT {$1900.00} I AM DISPUTING OWNING ANY AND ALL DEBT TO THEM AND ALSO REVOKING ALL RIGHTS OF THEM COMMUNICATING WITH ME THROUGH EMAIL, TEXT AND CALLS ALSO REQUESTING DEBT VALIDATION, REQUESTING THE PURCHASE AGREEMENT BETWEEN THEM AND THE ORINGINAL CREDITOR, ALSO REQUESTING THAT THEY FURNISH PROOF THAT THEY ARE LICENSE AND BONDED.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive submitted numerous complaints stating tranunion didnt complete an investigation within 30days of me sending certied letter to verify fraudulent data ln my credit file. This is violation of my frca rights. I would like these incorrect files to be deleted or show proof you completed investigation within 30days
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

On XX/XX/2020, I made a purchase at Lowe 's for {$4500.00}. I used my Lowe 's store credit card so that I could take advantage of the 24 month no interest financing that was being offered. 

On XX/XX/2020, I logged onto my Lowe 's credit card ( Synchrony Bank ) website to manage my auto-pay settings and setup monthly payments for my purchase. My account was previously set to auto-pay the statement balance. I cancelled that option and setup a recurring payment of {$190.00} on the XXXX of each month ( my balance due date ). 

On XX/XX/XXXX, Lowe 's credit card ( Synchrony Bank ) drafted my bank account the full {$4500.00} instead of the {$190.00} that I had setup. 

On XX/XX/XXXX, I noticed the overdraft and called Lowe 's credit customer service. They confirmed that the auto-pay settings on my account were set correctly and apologized for the overdraft. I asked for them to refund the payment and was told that in order for them to refund me I needed to fax over my full bank statement to them showing the amount was processed and not pending. That didn't sound right to me, so I called back to speak to someone else and was told the same thing. I asked if I could send a redacted bank statement showing only the related Lowe 's purchase and was told that they would need the full unredacted bank statement. 

I did not authorize the draft of {$4500.00} and in order to get the money back, I feel that Lowe 's credit ( Synchrony Bank ) is asking for my private information that they don't need before processing the refund.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

On XX/XX/year> i was the victim to fraudulent charges on my checking account. There are XXXX transactions in a XXXX hour period with {$4500.00} taken out of my account. I contacted the bank immediately and said these were not my charges. They said they would stop them but there was nothing else to do because they were pending. 2 days later all the transactions went through and i filed a dispute. within hours my claim was denied. I have resubmitted the claim multiple times. It gets denied with no reason other than no error appears. I have submitted facts, and filed a police report.
Consumer complaint received 2020-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am currently engaged in resolving problems with my mother 's checking and savings accounts. I received " notices '' from USAA dated XX/XX/20 and XX/XX/20 indicating that changes have been made to these accounts. I called USAA and spoke with USAA customer service to explain to me exactly what " update account information '' was provided and updated. USAA was unable to give me an answer. I spoke with XXXX XXXX XXXX and discussed these letters and he indicated that the information I have been working with him to get updated was not the information to which these letters refer.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (IL)

Affirm, based on XXXX XXXX, has a savings account that I've put a lot of money in, and there's a glitch in their system that they say they CAN NOT fix! It's linking my bank acct. all of a sudden - it happened for the XXXX time almost a month ago when I tried to get in to access MY MONEY to make a withdrawal and I could not do so. It shows my bank 's NOT linked! It always was - I was able tp make deps. & withdrawals. So I contacted their banking linking provider, XXXX, and they said they show at their end I'm connected - same with my own bank! But Affirm says there's a problem- duh! - with the link and it IS at their end, BUT they claim that part of the savings of Affirm is NOT under their control! So they've been telling me they're " trying '' to get it fixed so I can get access to MY OWN MONEY, but so far, there's been ABSOLUTELY XXXX progress! And I've told them they have effectively stolen and are fraudulently keeping MY money, not giving me any access to make a deposit OR a withdrawal! I'm soooo frustrated and I've been out of work for 6 months and DO need access to my own money!
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

JEFFERSON CAPITAL SYSTEMS Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$820.00} Balance updated XX/XX/XXXX Recent payment Never had account with XXXX XXXX XXXX. Attempted to contact Debt Collector. Very nasty communication and not professional. Didn't read me my rights under fdcpa law. 

Said can not dispute pay bill or else
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

I went to a chime ATM at a XXXX XXXX on the XXXX of XXXX and then my info got stolen the very next day. Chime even warned me and sent me a text message informing me that someone is trying to making a {$80.00} transaction at XXXX without my knowledge or permission. The person who easily stole my ATM info also took {$100.00} at the exact same time they tried to make a purchase. The successfully took {$100.00} put the ATM and now Chime is refusing to give me my money back. I then messaged chime back saying no thats not my transaction and even went through the process of receiving a new card but they still keep denying my dispute even with all the proof they have.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (NJ)

I cancelled several credit cards over the past XXXX years because they changed the rewards programs. Now whenever I apply for a new card they exclude me from all new account promotions. This is XXXX, XXXX and American Express. This has been going on for XXXX years and includes cards that I have never owned. My credit rating is over XXXX for over XXXX straight years. It appears that I have been blackball across the entire industry. This can not be legal. For instance, I had an American express XXXX 's card for 40 years which I closed several months ago because they were purchased by XXXX and the changed the terms of the rewards making it virtually impossible to use their points. I never owned a Hilton credit card and applied for one today and they excluded me from their promotional offer and did not offer me an explanation. I would like a credit card with hotel rewards and have never done business with Hilton although It is sponsored by American Express and I did cancel their XXXX card 3 months ago after 40 years and never missing a payment. They have no appropriate reason to exclude me from a publicly advertised promotion. The same issue came up with XXXX XXXX 9 months ago where they switched my XXXX XXXX to a Thank you card and now exclude me from all promotions even thought both companies emailed me invitations to apply for their cards with new account promotions.
Consumer complaint received 2019-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/2018, I have proof that a payment was made to XXXX XXXX XXXX XXXX for {$110.00}. I have tried to resolve it with XXXX XXXX XXXX XXXX, but they referred my account to a Collection Agency by the name of XXXX XXXX, who is threatening me and stating they are going to file a negative report to credit reporting agencies.
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I RECENTLY WENT TO PURCHASE A CAR AND I NOTICED A ACCOUNT ON MY CREDIT REPORT FROM XXXX XXXX FOR XXXX XXXX FOR XXXX THIS IS TOTALLY FRAUD I AM REQUESTING A INVESTIGATION BE CONDUCTED AND THESE ITEMS REMOVE FROM MY CREDIT REPORT ASAP!
Consumer complaint received 2024-02-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IA)

I received a prepaid XXXX as a gift. The card was issued by Incomm. I tried to use the card with multiple merchants, but it was repeatedly declined ( despite the charge falling within the balance of the card ). Following that, I learned that a single declined transaction resulted in a balance hold on the card for 10 days.
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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

I purchased sports memorabilia from an ad on XXXX. After filling out all information I was charged. After I was charged I received no email, text, or confirmation from the merchant. I never received the merchandise. I filed a dispute with the credit card company. They resolved the dispute without issuing a refund. It looks like the fraudulent merchant did ship something via USPS and provided tracking number to Citi but whatever it was they shipped either did not make it here or they shipped something other than what was ordered to make it look like they fulfilled the order. The merchant did not confirm what they shipped or any other information. How am I, as the consumer, supposed to do anything here when the merchant provided no information of any kind after charging me and is now covering their tracks with a fake order?
Consumer complaint received 2018-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (WA)

Caliber Home Loans communicated on XX/XX/XXXX they will now be charging customers a {$3.00} transactional charge for any one-time payment ( reoccurring payments and mail-in are exempt ) starting XX/XX/XXXX. To be clear, this is charging someone for wishing to pay their loan on-time through " normal '' re-payment means ( online payments ). Further, it penalizes those who wish to make additional principal payments through the year. This is a anti-consumer fee, and is making one-time principle payments more difficult. 

I don't believe this is violating any existing rules, but I am submitting this complaint with the hope rules will be crafted to restrict mortgage companies from charging fees to customers who are simply trying to pay their mortgage.
Consumer complaint received 2024-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My car was broken into and my purse was stolen on XX/XX/XXXX at which time I was contacted by the fraud department at Wells Fargo. They closed the card immediately. I assumed they would send another one but when I hadnt received one by the next week, I called in and they sent one out. I never received the card therefore I NEVER ACTIVATED or used the new card except through XXXX XXXX, which they electronically uploaded to my phone. A few days later awakened to a {$500.00} charge that was made at an atm I have never been to. I immediately called and reported it. They told me it would be ten business days before they could resolve it. I received a letter today stating they have determined it to have been me or someone I authorized to use the card. THE CARD I NEVER RECEIVED THEREFORE I COULDNT HAVE ACTIVATED!!! My money should be protected in a bank, instead they are accusing me of taking my own money when technology should prove that Ive neither received nor activated the card. I need help!!!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I am writing to address the ongoing issue with Lexis Nexis 's reporting practices to the credit bureaus. Over the past [ timeframe ], Lexis Nexis has consistently reported inaccurate information, including a bankruptcy record and other unverifiable data, to XXXX, XXXX, and XXXX. 

Despite repeated attempts to rectify this situation, including dispute letters and communication with Lexis Nexis, the inaccurate information has not been removed from my credit reports. 

On XX/XX/2024, I requested a consumer report from Lexis Nexis regarding the erroneous reporting of a bankruptcy record and other unverifiable data. I sent dispute letter recently but have not yet heard a response. 

Furthermore, I received a response from my bankruptcy attorney and the court stating that the bankruptcy can not be verified. 

The continued reporting of these inaccuracies by Lexis Nexis has had a detrimental impact on my creditworthiness and financial standing.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (PA)

On XXXX XX/XX/2020 I happened to read an article on XXXX 's website about credit cards charging inflated interest fees. I then went onto my XXXX  card app to look at my fees. On XXXX XXXX, i was charged {$2.00} for interest. Than on XX/XX/2020, I was charged {$21.00}. They even dropped my credit limit from {$1800.00} down to {$1200.00}. Going back through all my statements, my interest charges were {$2.00}. I make all my credit card payments on time every month and have never been late.
Consumer complaint received 2024-02-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (DE)

I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification if in fact you believe I received proper notification please provide the certified mail with my signature on there stating that I received it.
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (IL)

Without notice or reason, Citibank increased the interest rate on my credit card from 15 % in XX/XX/2020 to 29 % in XX/XX/2020. During that period, there were no missed or delinquent payments.