davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (LA)

Bluebird/Serve by American Express Complaint : On XX/XX/2021 I tried to find out information about why I was unable to use my prepaid card to make necessary purchases related to Hurricane Ida. When I called customer care, I received a recording saying that my account was permanently suspended and to call back to service my account and then the call disconnected. I thought that maybe it was because of the time of day so I tried the next morning. I called the morning of XX/XX/2021 and received the same recording and an email saying that I needed to send a letter. I tried calling again but since my phone number is associated with a " suspended account '', I was unable to get through ; there aren't any options for someone to simply speak with a representative. I had to call from my daughter 's phone and select prompts as if my card was lost/stolen in order to reach a representative. Once connected, I was transferred to Account Services who, after I was finished explaining the problem, told me that I needed to mail a letter to receive more information. I asked about how I was supposed have access to my funds and/or how will I receive the money in the account if all I could do was mail a letter. She kept telling me that she did not have that information and that I had to respond via mail. I asked to speak with a manager and she told me that the manager was going to tell me the same thing. How can this representative speak on what the manager will say when she is NOT the manager?! She placed me on hold and when she returned to the call she said that she could not connect me and to call back in an hour. When I tried to express the inconvenience this has caused me, she hung up the phone. I tried getting connected again and I believe the number in which I was calling from was blocked. 
I have had this account for years and have always used it in the same manner. This is a crucial time right now where Hurricane Ida affected the ability to return home. I had to spend money to stay at a hotel, buy food and other necessities. I was also out of work because there was no power and issues with running water in the area of Louisiana that I reside. This was the account where I have my federal refunds deposited and this is where I had my FEMA assistance sent. I received emails saying that the money was deposited but now, as mentioned in this complaint, I will not have access to the funds. The total amount is {$1500.00} in FEMA assistance and my Advanced Child Tax Credit of XXXX XXXX/month was also sent to this account. 

Customer Care ( XXXX ) XXXX or ( XXXX ) XXXX Account Services ( XXXX ) XXXX
Consumer complaint received 2021-09-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Auto Trakk, LLC (NJ)

In XXXX, I leased a car from an auto dealership and was told to bring it back when the term of the lease was over. I was mislead into thinking that my credit score was not high enough due to no activity and that leasing would help build my score. At the end of the lease, the dealership refused to take the car back and told me to try and sell it. The car 's value was {$5000.00} but the leasing company wanted me to pay {$13000.00}.

They wanted me to buy the car but I did not want it. I gave the car back to Autotrakk and they sent someone to pick it up.

The car was sold, in perfect condition and less miles, for {$5000.00}. 
In XX/XX/XXXX Autotrakk submitted into collections, under " Voluntary repossession " for the total balance.

I had no intention of purchasing the car beyond the term of the lease.

I'm not responsible for any money due.

Autotrakk threatened to report it to the credit bureaus because I didn't want to purchase the car.
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (NJ)

Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.

If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (IN)

I opened an account on XX/XX/2022 and within one day was unable to login. I was told " Your user ID or password is not recognized. Please try again. '' So I tried to reset password and Forget userID but both methods told me " One or more pieces of information entered does not match our records. Please try again. '' after I entered my information ( SSN and name ). 
I tried to register another userID using the same information and was finally able to login to the online account. But this is not the end of story. 

I found I was not able to withdraw or deposit money to my account, and less than a week from I opened my account, I recieved a letter in my mail telling me the account has been closed on XX/XX/2022, yes, the same day I opened it! 

However, I have been able to login my online account ( using the new userID of course ) and see my account number and recieving statement emails all the time. But I was not able to transfer any money from my account. I tried XXXX but told me I have to have an account open to use XXXX. 

The biggest XXXX is that I find today I have been charged monthly fees every month. The initial deposit of {$50.00} has been all the way charged and now my balance is even below XXXX.
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I submitted request for my statements from XX/XX/XXXX to current to Kohls. This company only has 3 statement months available online, when you do paperless. I submitted on XX/XX/XXXX to their msg center, they asked me 2nd time to tell them what statements I needed, even though I had already submitted that on XX/XX/XXXX - XXXX sent them same answer on XX/XX/XXXX. Response would be they would be mailed in several weeks. on XX/XX/XXXX I again msgd them and was told to call customer service. Called a XXXX @ XXXX @ XXXX and she said she was escalating this to get me my documents. ref # XXXX. Called again on XX/XX/XXXX, as I had heard nothing on this. Spoke to XXXX @ XXXX, who sent me to a supposedly supervisor XXXX, left XXXX to get call back asap. As of yet on XX/XX/XXXX @ XXXX, I have gotten no call back, no response. I have a deposition court date against my Ex on XX/XX/XXXX and my lawyer was requesting all bills that were not paid by him according to divorce decree from XX/XX/XXXX. This is very important, and they are not willing to cooperate at all. I was told they would not email, would only mail information.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$75.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/XXXX XXXX TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

Opened a Hilton Honors Surpass Card on XX/XX/1922 '. The welcome bonus being 130000 hilton points after meeting 2k spend in 3 months time. Today, XX/XX/1922 ', I had met the threshold and had reached out to Amex support to receive it, they denied it and gave me lip service and the run around as to why I'm not entitled to their offer they provided me. They're lying and scamming.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

XXXX  Account # XXXX has violated my rights. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years.

15 U.S.C 1618 s-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 2022-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I literally just had to deal with this same problem!! About a month and a half ago Venmo decided to freeze my acct for reasons they could not tell me. Finally yesterday I get a phone call that venmo had NO evidence on why they froze my account. So they reopened it with my money still in it. Ok good right, NO! My thing was u was going to transfer my money onto something else that I've never had problems with while I had it. And that for over 2 years. Ok well I go to the app try to transfer my money and it tells me I can't and my account is frozen again!!!! I called venmo customer service and speak directly to a supervisor. I explained the whole situation how they froze it before and they reopened it because I didn't do anything wrong. And explained exactly what I was doing and how it froze my account again and it was like she didn't even care. Excuse my language no XXXX given. I explained how there is no way I can go any longer with NO money when I'm a single mother of XXXX. I explained how I just wanted to get my money off so I can close the account because of that issue. Response was she couldn't tell me anything and I would have to speak to the analysis specialist because they are the ones who handle that. I then asked for a phone number to speak with someone. Then told they do not have a phone number that I would have to speak to them via email. So I have to email someone to get my situation fixed via email but I have to wait for them to respond whenever they feel like it??? No way, I refuse to sit here again and let them do this for the 2nd time back to back. This company is a fraud and so unorganized I want out. I want my money right now. I do not want to wait. I have all the proof of everything and for this to happen a 2nd time I'm on the verge to find out if I can sue them for this and their process of business and their lack of anything to help someone. All I want is.my money off the card so that I can close it.
Consumer complaint received 2022-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. 
The company showing on my report are XXXX XXXX and XXXX. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (TX)

'In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking #
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CHARLES SCHWAB CORPORATION, THE (CO)

ATM fees for the month of XX/XX/2022 were requested. Charles Schwab always returns ATM withdrawal fees as part of their refund policy. Schwab asked me on a recorded line today with representative XXXX to ask my new bank to return those fees even though they were transaction through Charles Schwab Bank while all accounts were still open.

Charles Schwab also admitted to retaining monies owed to me without my knowledge. These new monies owed to me are somehow currently blocking access to my brokerage account which is still active. The amount was $ XXXX USD. 

I have reported this bank to FINRA and SEC multiple times in 2022.
Consumer complaint received 2022-04-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Hometap Equity Partners, LLC (CA)

We entered into an agreement with Hometap for them to borrow us money against the equity in our home. We wanted to pay this loan/investment off and on Wednesday, XX/XX/2022, we asked and received a settlement statement from Hometap with the assurances once they received our payment in full, they would release the three ( 3 ) liens they put on the title to our home. When I called them today, XX/XX/2022, they indicated they have not received our check. But our tracking number indicated the payment was delivered to them on XX/XX/2022, at XXXX a.m..
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: PENTAGON FEDERAL CREDIT UNION (MD)

Hello I am writing this demanding a response from the branch manager at this location or the president of pen fed. I refinance my vehicle in XXXX XXXX and as of today pen fed stated that they dont have my title to my vehicle nor my update insurance information to which I provided to them by mail, upload and in person on XXXX XX/XX/22 .To The same lady who haves been handling all of my documentation from the beginning. I have receiving threatening letters and emails demanding the following documentation .when I call the Branch it go straight to customer service to which I get the run around to whom I am supposed to speak to.On XXXX XX/XX/22, I finally had a chance to speak with someone who was trying to assist me young lady called that particular branch in XXXX she stated she spoke to the branch manager her response was that all titles get mailed out to California once they received, so I explain to her I was there on XXXX XX/XX/22 today is XXXX XX/XX/22 .The title company in California is still stating that they dont have my title!! The manager also stated customer service agent who is in charge of mailing the titles to XXXX was not available that day and she was unaware on how to retrieve them to assist us To which I found to be totally unacceptable if shes a branch manager!!!! ( ( ( No names ) ) ) were given upon request!!!! at the time of the conversation but Im quite sure it was properly documented. So today XX/XX/1922, I had the pleasure of speaking with a young lady by the name of ( ( XXXX XXXX ) ) Who also explains to me that no documentations where received but she went above and beyond and tried to get the matter expedited she was unable to complete the matter and she stated to me I should go back out to the Pen Fed location in XXXX Maryland which is an hour and 45 minutes almost 2 hours away from my home!!!! request to speak to the branch manager and the young lady to whom I gave the documents to and also that an extension has been placed on my account!!!! which I told her which is extremely unacceptable to me as a consumer because Ive done everything I was supposed to do on my part .so I was to not be penalized or need a waiver placed on my account for something that was done by Pen Fed s negligence me and my husband have been paying on this loan since XXXX XXXX With no knowledge that the proper documentation was not processed until recently me and my husband deserve answers and this is so disheartening and so unacceptable from such a XXXX XXXX XXXX something needs to be done about this matter and all of the Managers and employees involved. Ive submitted documentation to the CFPB today and I also submitted documentation over to the FTC. So me and my husband is hoping for a prompt response To which this is and may affect our credit since the interest rate is at stake due to the fact that Pen Fed is stating that they did not receive proper documentation our next step is to reach out to our attorney.
Consumer complaint received 2022-04-15
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 account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXXXXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (HI)

Equifax is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by XXXX. These are attached. My account and credit has been compromised.
Consumer complaint received 2024-12-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc. (OH)

I contacted this company to resolve the debt. My credit report is reporting a balance of {$3100.00}, but this company is trying to collect over {$3900.00}. I requested proof I owed this debt. They sent me a ledger, which indicated some of the charges were coming from repairs. I requested proof the repairs were needed as well as proof they were even completed. I never received this. When I offered to settle the debt, the person on the phone scoffed and told me he would not even submit my offer to the company. The account on my credit report also does not match any rental company I ever lived with.