davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX XXXX XXXX  a fraudulent account was opened in my name, at an address I've never lived at. I contacted the bank that opened the account, and they have closed the account. However, the identity thief charged {$77.00} to the account before we were able to find out about it. It was pure luck that we found it, as my husband found it during a routine check of my credit. We never received a statement obviously, because the address associated with the account was also fraudulent. 

The XXXX credit bureau recommended that we file a notice with the FTC, but the FTC directed us here.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (WI)

Around XXXX XXXX, XXXX I received an American Express gift card for {$100.00} from a relative for a XXXX present. On XX/XX/XXXX I used the card for the first time at XXXX XXXX. They informed me they could only process {$70.00}. I contacted American Express immediately and they told me there were 4 other XXXX charges in the amounts of {$10.00}, {$10.00}, {$5.00}, {$5.00}. They gave me the persons name, address that made these purchases and informed me I needed to contact XXXX as they do not handle claims. I called XXXX on the same day and they said they created a complaint and I would receive an email within 10 days. I did not. I contacted them again on XX/XX/XXXX and was told these were not XXXX charges. I have spoken to two different supervisors of XXXX and spoke with American Express 3 times. Have not received a refund from either companies. I contacted both companies again today with no results. They have stated they recorded all of my phone calls. I have supporting documents with more information if needed. Again I do have the persons name, address and now have their phone number who made these fraudulent charges. Both companies have stated there is nothing they can do in refunding the {$30.00} back to the gift card. 
They told me I would have to file a complaint with a government office or the police. So I am filing a complaint with you.
Consumer complaint received 2022-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MO)

I, XXXX XXXX XXXX, sent a payment in the amount of {$11000.00} to JP Morgan Chase Auto Finance on XX/XX/2022. As of today XX/XX/2022, this check has not been processed by Chase Auto Finance. The account number in question is XXXX. In the interim period Chase hase been accruing interest against my outstanding balance. The check amount, when sent, should have paid off this loan. I believe that Chase maybe slow processing payments to accrue more interest charges. A reasonable time period to receive and process this check, should be about 5 business days. The amount of wasted time by Chase is far beyond the norm. I want this payment applied, within the reasonable time frame I mentioned, and any finance charges to be based on that reasonable time frame. This is my good faith effort to pay this loan off. Due to Chase 's delay in processing this payment I had to make a payment to stay current with my loan on XX/XX/XXXX. Chase will now have a negative balance showing owed by me, when the pay off check is processed. Because of this forced over payment, Chase should immediately send the over payment amount, plus interest to me. This over payment, by me, is due to the inefficient processing of my pay off check by Chase Auto Finance. The pay off check had not cleared as of be this morning on XX/XX/XXXX.
Consumer complaint received 2023-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account XXXX is reporting inaccurately on the credit profiles associated with my social security number and are violating my consumer rights per : After comparing the credit report from TransUnion, XXXX, and XXXX, it appears that there are inconsistencies in the reporting of the XXXX account . The discrepancies are : The account status reported by TransUnion is " Closed, '' while XXXX and XXXX report it as " Paid. '' TransUnion reported a " Charge account '' account type while XXXX and XXXX reported a " Revolving '' account type. 

XXXX reported a " Credit Limit '' of {$0.00}, while TransUnion and XXXX both reported a credit limit of {$200.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies must provide accurate and complete information in credit reports. In this case, the different reporting of the account status, account type, and credit limit may mislead potential lenders and creditors who rely on credit reports to assess creditworthiness.
Consumer complaint received 2022-08-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (OH)

Representative called to established a new monthly payment. I advised i can only do XXXX $ a month, he stated it has to be XXXX or {$100.00} a month cause they could not do bi weekly payments. He stated he was going to continue with the previous balance of XXXX XXXX please sign the docusign immediately. Ok that does not sound accurate as i have made previous payments. I never signed the docusign with the proposed new amounts. They have over drafted from my account {$220.00}. How can they do this? I did not authorize the payments. None of the payments. Nor signed any documents pertaining to them taking the funds from my account, causing it to be overdrawn. i can prepare the bank statements and provide the previous docusign as the one has expired. just tell me where to send what i have. thank you or i can provide the url and info so you can ask them to send you their most recent request. they are not being fair with their documentation nor collection attempts.
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Back on XXXX XXXX I sent letters to all three bureaus challenging information on my credit report that did not belong to me. I called each bureau in XXXX. I can remember the exact day and stated that it has been over 30 days and I haven't heard anything about my disputes. Each bureau told me that do to covid that they have 45 to 60 days. Due to the holidays it slipped my mind that had still not heard anything back about my disputes. I seek out legal advise and was told that I should submit a complaint with the CFPB and that if this did not resolved issue. I explained to attorney that the stuff that was on my report was not stuff authorized or belonging to me and that I'm known victim of Identity theft. Everytime it's time for me to renew my permit in the field of work I do I have to jump through loops to prove who I am. I need the items I'm challenging remove asap.
Consumer complaint received 2021-11-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I, sent an ACH CANCELATION REQUEST VIA EMAIL on XX/XX/XXXX, informed this company that I am not able to pay at this time because of financial reasons and complications with my benefits. I, gave them more information than I, should have. I, received a reply email from a account representative who advised me that my account records indicate that I have been in contact with the lender, I, continued to advised any representatives that called me that I, am still unable to pay, however when able I, will surely notify them but at this time I, am dealing with my husband 's health crisis and I, specifically told them that dealing with his XXXX, on top of everything else I was unable to pay, I'm sorry but I, have to manage my other obligations because he's now XXXX. XX/XX/XXXX, I, attempted to pay my household responsibilities using my SS Benefits, I, was decline that is when I, check my account and found that the funds was taken from my account. This was unauthorized, this vendor claims that, there was no ACH CANCELATION, even when I, submitted the proof that also contains the reply acknowledging my email. From XXXX to XXXX attempts were made to debit my account and suddenly XX/XX/XXXX, they take the funds that I, relied on for my husband medical needs and household responsibilities. We had no XXXX.
Consumer complaint received 2021-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC (TN)

On XX/XX/XXXX I took out a Flex Loan with Advance Financial with an initial credit limit of {$1700.00}. The interest rate is 279.5 %. ( Copy attached ) Due to timely payments on my part, my credit limit is now around {$4000.00}. 
I recently developed health problems with my XXXX and XXXX which are preventing me from working. 
I made reduced payment arrangements, but with every payment, the balance of the loan keeps growing, I sent a request to close the account and settle the account for a reduced payoff on XXXX XXXX, XXXX ( copy attached I received an email response back the same day. ( Copy attached ) I called today to check on the request and to verify that the payment was received from my arrangement, and found out that the request had not even been considered yet. 
The lady I talked to sent the request to management who turned it down cold, since We had already made and completed a payment arrangement in XXXX. 
They did allow me to set up another reduced payment, which I did.
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (CA)

I received an email from XXXX XXXX on XX/XX/XXXX @ XXXX in regards to ID XXXX finding my data in an internet breach. I notified all XXXX credit bureaus today, XX/XX/XXXX to place a fraud alert, and while in contact with XXXX there were XXXX or XXXX inquires that showed up on my credit file that I didn't recognize or authorize. XXXX of the inquiries was for a credit card from Wells Fargo for XX/XX/XXXX, a finance company for an auto lease back in XXXX of XXXX, along with a few other inquiries from companies that I've never heard of/or authorize. I had other compromises with my internet ( XXXX ), home security cameras, and landline home phone all for an attempt to steal/get my information. I received a fraudulent email from scammers through my XXXX account ( XXXX ) the week of XX/XX/XXXX trying to get me to pay XXXX by XX/XX/XXXX on my loan account through XXXX when I don't have a payment due until XXXX, so that attempt failed. I've received several sign in failed notifications that scammers have attempted to get into my XXXX account. I've received/fradulent ( XXXX  ) calls almost daily. My name for my landline phone is not showing up in caller id when making outbound calls for some reason. A random persons name is showing up as being attached to my landline number. I had to change my telephone number with XXXX only to continue getting those fradulent XXXX XXXX  ) calls, and issues with someone else 's name showing up in XXXX XXXX when I make outbound calls from my landline number. I've been working with XXXX  over a year and with XXXX or XXXX representatives/technicians/engineers trying to get the issue with my XXXX XXXX resolved with no resolution.. A complaint has been filed with FCC and FTC. Your assistance on inquiries with the financial institutions that I didn't authorize is greatly appreciated.
Consumer complaint received 2022-06-27
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. (GA)

They have violated my rights and have violate the Fair Credit Reporting Act, Despite several written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly ; but have not provided a reasonable method of verification as required under Section 611 ( a ) ( 7 ). To date, they have NOT provided me a copy of ANY documentation. They are in violations of the following listed below : 15 U.S.C 1691 section 602a-states I have the right to privacy 15 U.S.C 1691 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C 1692 c : States No Communications without the prior consent of the consumer 15 U.S.C 1692 b : States No Communication without the prior consent of the consumer given directly to the debt collector FCRA Act Section 611 States : gives me the right to request an explanation of the verification method you used. 
FACTA act, SEC 312 ( b ) and ( c ) : States to provide Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. )
Consumer complaint received 2021-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (AL)

XX/XX/2021 XXXX a.m. 

Aspire Credit ( XXXX XXXX XXXX ) XXXX XXXX I talked to a account specialist named XXXX that works for Aspire. I requested that my card be fit to use for XXXX pay. He told me I needed to send 2 forms of ID, I told him I didn't want to send my info to a random person in a department and didn't see the need to because I've been using the card, I've made numerous verifications and I'm the sole user of the card. Also, I initiated the request to add my card to XXXX pay ; so for my account to be suspended because I didn't want to send my own information shows abuse of authority by a low tier subordinate. I feel I'm being discriminated by aspire because of ethnicity. I'm always having to verify purchases ( usually my card will decline and I have to verify the charge over txt ... .and usually that takes a hour for the txt to come thru to my phone ). It very repetitive and it's not requested. 

Also XXXX is a low tier account specialist ; he shouldn't be allowed to make these type of decisions. His English is way too broken and seems very XXXX in how he structures and forms his words. I could barely understand him. 


XXXX also talked to reps over chat to explain my situation. One had disconnected our chat.
Consumer complaint received 2021-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I hold a mortgage loan ( # XXXX ) with Bank of America. I have never missed a payment on my loan. My monthly payment has never been late. I received letter from Bank of America that says that my bank ( XXXX & XXXX ) has placed a stop payment on my monthly mortgage payment to Bank of America. I called my bank and they told me that there is absolutely no stop payment on my account. I called Bank of America. They gave me vague answers and could not explain why my automatic mortgage payment was stopped. They promised me that it will be corrected. I made that monthly payment over the phone. After one week, I received another letter from Bank of America that demanded payment from me and the letter threatened me that if I do not make payment I will be charged late fee and it will affect my credit score. I called Bank of America again and was told that I should ignore that letter. There is nothing I should do. I received another letter that says that they are unable to draw money from my bank due to stop payment. I called Bank of America again and they could not explain to me. They want me to setup automatic payments again, because they made errors. 
I feel that Bank of America is harassing me through this process. I have wasted several hours. The threatening letters actually are nerve recking. I suspect Bank of America is deliberately not fixing this problem and wants to charge me for their errors.
Consumer complaint received 2022-08-22
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. (FL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Requested a transfer of {$XXXX} from capital one account to an outside financial institute, XXXX checking on XX/XX/2022. Money was removing from my capital one account but was never received at receiving bank. I have tried on several occasions to resolve this matter but was told its no longer our problem. They will not place a tracking on the transfer and have told me that it is up to the receiving bank, of which has no information on it. I have yet called again to Capital One today to be informed that they have closed the complaint, but there is no resolution on the notes, of which they will not share with me. My bank, XXXX, has tried to locate such money but is unable to because they did not preform the transaction. No deposit or transfer has been made to my XXXX account, per XXXX. Money was never received. XXXX asked for a tracking number, of which capital one will not provide to me or my bank. Therefore, my {$XXXX} is missing and capital one will not track or find it. I feel that Capital One has stole my {$XXXX} and has refused to give it back. How can something like this happen and how can an institution of that size get away with ripping people off. I would like my money back with all the interest that has accrued. XXXX at an end as to what to do. Please help. XXXX XXXX
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

I had a joint account with pentagon credit union with my wife in 2018 we divorced, sold our home, and paid all of our credit cards off I wanted to close the account out but pentagon assured me i could just be removed from the account. we talked and i asked for an email with evidence of it to make sure. 
i was sent an email the day of my removal with a balance showing i did talk to them, i also was removed from most parts of it but they missed one thing. 
later on i noticed it on my credit report, i called many times, they said they couldnt find any link of it so i submitted for it to be removed from XXXX twice but they Pentagon then would say i am part of it. 
my ex died recently and then i get a call from pentagon saying im on the hook for it, I have called many times since and keep running into issues. 
the second before the last time i called, a lady finally found me linked to the account but her supervisor told me tough luck even though i explained the chain of events. 
the last time i called they wouldnt talk to me till i submitted my id cause they couldnt verify my date of birth when i called. 
this is stressful and i feel powerless to do anything outside of spending a ton of money to prove this isnt fair so my credit score isnt killed completely cause they are dinging me for late payments since her death.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There is inaccurate information on my credit report. It's a billing error I've always paid as agreed. Secondly, there is no such thing as a late payment. As furnishers Experian have a responsibility to report accurately.
Consumer complaint received 2023-04-09
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. (GA)

Account XXXX is reporting inaccurately on the credit profiles associated with my social security number and are violating my consumer rights per : After comparing the credit report from XXXX, Experian, and XXXX, it appears that there are inconsistencies in the reporting of the XXXX account . The discrepancies are : The account status reported by XXXX is " Closed, '' while Experian and XXXX report it as " Paid. '' XXXX reported a " Charge account '' account type while Experian and XXXX reported a " Revolving '' account type. 

XXXX reported a " Credit Limit '' of {$0.00}, while XXXX and Experian both reported a credit limit of {$200.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies must provide accurate and complete information in credit reports. In this case, the different reporting of the account status, account type, and credit limit may mislead potential lenders and creditors who rely on credit reports to assess creditworthiness.