davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (FL)

I've checked my credit report and see a company named NATIONAL CREDIT ADJUST High Balance {$480.00} Date Opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date of Last Activity XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was unaware of this debt, IXXXX didn't have the opportunity to dispute this debt/information, I did not receive proper notification. If in fact this collection agency believes I was given proper notification, then please send me the certified receipt with my name on it-my signature. 
The Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection item on my consumer report. This omission of validation information is a direct violation of my rights and has negatively impacted my credit standing. 
Despite the regulations stipulated in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded the opportunity to dispute the account in question. This lack of due process further compounds the unfairness of the situation and violates my rights as a consumer. 
It has come to my attention that the Collection Agency is engaging in false, misleading, and deceptive practices. Such actions are unacceptable and constitute a breach of consumer rights. I demand that these deceptive practices cease immediately.

Additionally, the Collection Agency is furnishing information to consumer reporting agencies without providing the necessary disclosures required by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This practice is a clear violation of my rights as a consumer and must be rectified.
Consumer complaint received 2024-03-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I reported this company to CFPB last week regarding predatory measures. PennyMac contacted me on Monday but did not try to make things right. As a result they have retaliated and come up with bogus charges to raise my mortgage.
Consumer complaint received 2024-03-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: FIRST INTERSTATE BANCSYSTEM, INC. (CA)

This is a follow up to complaint # XXXX. First Interstate holds money against depositors will.. 
The banks response was totally unacceptable. They just repeated their policy that prevents me from withdrawing my share of an inherited CD. The policy is self serving. It is not the law but a scam to prevent withdrawal of funds from their bank. How many accounts, and how much money are they holding against depositors wishes.? This " policy '' needs a Class Action Suit with financial penalties to be filed! Are you hearing me CFPB? First interstate needs to release my share of the aforementioned CD without the signatures of the other beneficiaries. Which is Totally Legal and morally right. 
Absolutely outrageous that First Interstate bank is allowed to hold my money against my will and my dead mothers wishes. I want a real response, not some XXXX bank official repeating their " policy '' scam. The bank can legally release my money, SO make them do it!
Consumer complaint received 2021-01-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (NJ)

On XX/XX/2020 I turned in my vehicle lease number XXXX and at the same time I leased a new vehicle. In leasing the new vehicle I paid the first month lease payment. At some point I received a bill from KIA XXXX  in the amount of {$360.00} I called KIA Motors and inquired about the billing. I was told that there was excessive wear on my tiers and I didn't tern in one of my keys. As part of the initial lease, I had purchased insurance which was added to my lease payment every month. I let them about the insurance. I thought the issue was resolved. 
I then get another billing in the same amount, this time they claim that I missed a payment.I requested that they provide me with a specific month that I missed. They were never able to establish the specific month. They then reported a delinquency to the credit companies badly damaging my credit standing. As a result even though they still didn't provide me a specific month that I missed a payment I submitted a payment to the collection agency they had referred the situation to. I am seeking the repayment of {$360.00} which was paid on XX/XX/2020. I essence KIA XXXX has charged me payments on a car that I nolonger had access to. I am also seeking that my credit record be corrected.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

i cant add my Citizen Card To XXXX XXXX it keep giving me and error message when i try to link my card to XXXX XXXX  i been having this problem for a long time i spoke with apple regarding to this issue with the wallet and XXXX told me to contact Citizen Bank Regarding this issue and i contacted citizen fraund and they told me unfortunately this card cant be XXXX added to XXXX XXXX that i may need to open a brand new account and close my old account to fix this problem
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (WA)

Chase Card is reporting an account on my file that is not mine. It is showing I am an authorized user on an account I do not recognize. I have never given anyone permission to put me as an authorized user on a chase card. This needs to be removed immediately as I never signed anything with Chase for this account and it is not mine.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (TX)

I have contacted TD Auto Finance on numerous occasions since mid XX/XX/year>. TD Auto never credit payments made on time for XXXX and XX/XX/year>. Verification was provided to TD Auto Finance from XXXX XXXX showing that payments to TD Auto Finance was processed and TD Auto withdrew the funds. 

TD Auto has reported our account to credit reporting agencies has delinquent and had a negative impact on our XXXX XXXX  XXXX. 

TD Auto Finance never attempted to correct their mistake.
Consumer complaint received 2024-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WY)

Received call from XXXX person on phone identifies as bank of america representative. I verified the number on my debit card and it matched with my bank. He asked if I had made a transaction in XXXX XXXX and I verified no I had not. I received a text with Bank of America logos and replied no I had not made the transaction. He then explained that my account was compromised and I needed to move money with a XXXX transfer so they could keep it from being illegally transferred. I did not know that when I tranferred the money it went straight to the imposter scammers. I transferred to account XXXX, XXXX that they created {$1100.00}, {$970.00}, and {$1300.00} to them. They said the money would be back in my account on XXXX. At XXXX XXXX on XX/XX/24 I called bank of america because I realized this had been a scam and reported it as fraud and imposter scam. They said they will investigate and notify XXXX and reach a decision in 60 days. I received the letter on XX/XX/24 from bank of america via encrypted email they they will not refund me due to the fact it was not fraud and I authorized the transaction. I was coerced and the imposter had all of my information and fell that Bank of America should be held accountable for lack of protection. I never put XXXX in my online account this would have never happened. I also filed a report with the FBI and the FTC on this imposter scam.
Consumer complaint received 2024-03-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: VW Credit, Inc (CA)

Please see attachments Several options I could have marked on the previous page, but unsure High pressure sales tactics Pressure to purchase other items not needed. 
Managing of the loan XXXX XXXX is not on your list I have not received the car title. 
Filed with NHTSA.gov as well. 
This specifically deals with the loan part of things fro CFPB to look into. 

ALL documented in the attachments. 
Pictures are too large of a file, but submitted to them in my complaint to them.
Consumer complaint received 2020-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I was alerted that there were substantial changes to my credit report, reading 2 late payments on my XXXX XXXX Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with XXXX XXXX Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX  corrected the mistake ( XX/XX/2020 ). I contacted XXXX XXXXXXXX again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX bank account onXXXX and the XXXX   XXXX credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX account and credit card statements from XXXX XXXX showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their XXXX XXXX Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with XXXX XXXX and 2x already with XXXX, 1x with XXXX and 2x with Equifax I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost XXXX. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.
Consumer complaint received 2024-03-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2024, I noticed on my credit card account ( # XXXX ) had an unauthorized transaction for {$39.00} from XXXX posted. I never purchased anything from XXXX on that day, for that amount. Somebody else used my credit card information fraudulently ( which is unfortunate, because my account was relatively new ). However, I complained to Capital One, first as fraud claim, but their inept claims department decided it was not fraud simply because I had a history of transactions from that merchant. After speaking with a customer service agent, I then changed my complaint to a dispute of the charge. On XX/XX/2024, I submitted a lengthy response form and a screenshot of my XXXX account ( which shows no history of the transaction ). However, in less than an hour, their inept claims department rejected my dispute on the grounds that it " lacks all of the previously requested information needed to validate your dispute. '' All of these documents have been attached to demonstrate the fraud that Capital One is engaging in. Capital One can not even tell me what I purchased and are only willing to provide more information to me, such as XXXXXXXX XXXX reply to my dispute, if I provide a legal subpoena, or in other words, they appear to be hiding behind legal procedure in hopes consumers give up. Capital One 's transparency sucks, just like their claims of protection from fraudulent transactions.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX : Experian sent me an email stating they received suspicious requests in the mails and determined it wasnt sent by me. 

On XX/XX/XXXX : I received another email after submitting more letters to experian. They said they received mail that was not authorized by me which is not true. They said they would not be reviewing my information. I have written dates down and experian has X amount of days to respond to my disputes.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/year> deposit a settlement check into my checking account. Capital One stated {$750.00} will be available XX/XX/year> ; {$750.00} will be available on XX/XX/year> ; remaining balance will be available on XXXX. I received an email confirming the deposit and funds available dates. I get another email stating they feel my check will be returned therefore the entire check will be held until XX/XX/year>. If I need assistance or request a refund of the deposit call the number listed. I called and my account balance is stating XXXX less, because they deducted the over draft balance from the check. I cant get none of my check but the bank took funds.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (MO)

They froze my account due to me depositing my husband payroll check in it when he isnt on the account. I have asked them to just reject the check and they refuse to it has been 2 weeks since all of money XXXX has been frozen I havent been able to feed my kids and I just want to close my account now and get all my money but they will not let me. BMO bank
Consumer complaint received 2024-03-06
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Transform Credit Inc. (UT)

They were to have canceled a XXXX XXXXr account and stop taking from my checking account but they continue to take money and send the same email when I request they stop and refund my money. 
Email from XX/XX/2024 yet they continue to take money from my account : However, your XXXX account has been canceled, so no further payments will be taken. If you wish to set-up a new XXXX account, you can do so here XXXX XXXX  XXXX. XXXX is a fantastic stepping stone towards seeing the benefits of an improving credit score, without the responsibility of taking on a big financial commitment. You can find out more about XXXX here : XXXX  Transform Credit can still help you access funds of up to {$10000.00} with the help of a cosigner. You can always access your application here XXXX XXXX XXXX XXXXXXXX If you need help, please let me know. 

Many thanks, XXXX, Transform Credit
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I XXXX XXXX, upon reviewing my ChexSystems consumer report on XXXX, I noticed a Charge-Off from XXXX XXXX dated XX/XX/year>, RTN/ACCT # XXXX with an amount of {$450.00}. ChexSystems is in multiple violations with the said account. 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( CHEXSYSTEMS ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CHEXSYSTEMS ) shall not furnish any information relating to a consumer ( Myself ) if the person knows or has reasonable cause to believe that the information is inaccurate. CHEXSYSTEMS, can not report on a charged-off debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 15 US Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ChexSysyems is a non-affiiliated party of XXXX XXXX on which my information is shared. XXXX XXXX Never informed me of my right to exercise my non-disclosure option. Having understood that this is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) : 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. If ChexSystems can not provide my written authorization, the charge-off must be removed. Furthermore, 15 US Code 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. '' The above listed accounts are adverse items which are being reported by ChexSystems without my permission which is against the law. Both together and separately, my consumer and privacy rights are being violated. The aforementioned charge-off is to be removed from my ChexSystems consumer credit report and file IMMEDIATELY as its reporting has caused myself and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CT)

I openend and XXXX XXXX credit card that is linked to Chase Bank in XXXX of XXXX. I make online payments multiple times per week and have not had an issue with payment activity until this week. I made an online payment on XX/XX/XXXX of {$3700.00} and another on XX/XX/XXXX for {$700.00}. I have a credit limit of {$8700.00} and with these payments I should have over {$5000.00} in credit left on my card. Yesterday and today, XX/XX/XXXX, XX/XX/XXXX, purchases are being declined though even on the app it is showing that my balance is {$3500.00}. I called the XXXX # and when I entered the last 4 # s of my card, the system put me to the fraud dept with a message that they were closed and to call back tomorrow. I called again and didn't enter anything and got to an agent who informed me that they can hold my payment and not apply to my account- though it shows applied in the app - for 7 days, meaning I can not use my card for up to 7 days, though I have paid in advance. This is completely unacceptable.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (FL)

I had closed this card back in XXXX of XXXX and I did Bankruptcy in XX/XX/XXXX. It took for ever for them to close the card on my XXXX report! Now XX/XX/XXXX they opened it back up on my XXXX report when it was closed and included in bankruptcy and it dropped my Score XXXX points! They are doing this deliberately!!!
Consumer complaint received 2024-03-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX Well Fargo bank deny me access to my safe deposit box.I have complained to everyone the XXXX was at no help.He let the bank right a letter then said case close All my information was wrong that why she said I don't own a safe box.She need to get my checking account get a copy of a check that is written out to Well Fargo for safe deposit box there is one for every year.Im now homeless and expecting for hardship compensation due to this banker unprofesionalism
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2024-03-06
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (NY)

I have been called continuously and harassed as to this debt where fraud was committed in my name in Georgia and i am a long living resident of XXXX XXXX XXXX. i have never had an XXXX XXXX XXXX account. I was told today i will be harassed for lack of a better term concerning this matter which is stressful. I am an elderly woman and this unwanted stress is no good to my health.