davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I received a letter from an attorney office, a debt collector, regarding an account closed 15 years ago, an auto lease that was returned when the lease was terminated. CASE NO FILE XXXX. XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX, XXXX Attorney XXXX XXXX XXXX XXXX. # XXXX XXXX Fl XXXX XXXX. 
A letter showing as a Subpoena Duces Tecum, I contacted this office to find out a little more about this own deb. The person I spoke with was vulgar and starting to treat never acknowledge that this was an attempt to collect a debt, and any information will be used again. Starting treating me that this was an old account for some services and because it is so old the original balance from {$300.00} is now over {$18000.00} and, they are going to do anything in their possible legal way to take things that I own treating to come to my house and take my stuff away. I explained that I currently own a car that now we are making payment on that car with Nissan Motor acceptance financial, and the account is in good status and is open. He started asking me for personal information about what I own in my name. When I refuse to provide that information, he treats me again by taking me to jail or court for a judgment. I told him I know the law and what he was saying was illegal. I requested no to be contacted since I'm no longer live at the address they sent this letter ; I also requested no to be contacted and advised that I will be filling this complaint
Consumer complaint received 2020-12-16
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: CITIBANK, N.A. (CA)

My wife contacted XXXX to ask for a payment extension for my payment due XX/XX/2020. We were not able to pay the {$160.00} before the due date. The rep on the phone said she would split the payment into 2 and charge {$82.00} that day and the balance would be pulled prior to the 30 day late mark so that this wouldn't affect my credit. My late fee was supposed to be removed also as a courtesy. None of this was done. The rep didn't notate the account properly, she didn't set up the payment properly and now I have a 30 day late on my credit which was due to an error on their end and they refuse to delete it. I paid the bill as soon as I found out what happened but by that time the payment was 32 days late so in their eyes it was my mistake. My wife is willing to testify that this occurred if needed we just need this corrected asap. This is ruinning my credit and ability to refinance my home for a more affordable payment due to this pandemic.
Consumer complaint received 2020-12-11
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. (NJ)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

I had a savings account with Chase Bank & they closed my account due to no activity that I was unaware of. After the date of " closed account '', I still had access to savings account on my online banking. I was able to transfer money to & from my savings from my checking account starting XX/XX/2020. I had {$5400.00} total in savings account before issues started to occur XX/XX/2020. 
XX/XX/2020 I made a online transfer of {$400.00} from my savings to my checking account & the next day Chase took back that {$400.00} which put my checking account negative. I called customer service & was told to go into the branch. I spoke with the branch manager about the {$400.00} taken back from me & at that time was informed that my savings account had been closed since XX/XX/2020. I showed the branch manager on my online banking that I had a balance of {$5000.00} in my savings aside from the {$400.00} I transferred out that they took back. 
The branch manager used my phone to transfer the remaining {$5000.00} from my savings to my checking account & said he would work on recovering my {$400.00}. A few days later the bank took the {$5000.00} as well. The branch manager then filed a complaint with the branch complaints escalation group for the missing funds. 
Days later I received a call from a lady in that complaints escalation group stating my savings account had been closed since XX/XX/2020 & that there was a glitch with online banking allowing me to still transfer money to & from savings account. I went through my account statements with her, as I did the branch manager, showing my transfers from my checking to my savings & that money was deducted from my checking & those transfers never bouncing back, the money was successfully transferred into savings. Three chase managers now have told me this is something they've never seen before, yet chase bank hasn't returned my missing {$5400.00} to me & says they don't know what to tell me.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I have experienced several incidents where Wells Fargo is charging me for insufficient funds fees when I have a low balance. I have called to complain several times and their policy is that only 1 forgiveness per year. This would be ok if I actually overdrew my account. At this time, I am unable to provide dates besides the last incident which was on XX/XX/2021. I will research my records for other dates.
Consumer complaint received 2021-04-28
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: JPMORGAN CHASE & CO. (MD)

Hello! 
My name is XXXX XXXX XX/XX/XXXX, I use my chase XXXX XXXX cardLast four numberXXXX bought a XXXX XXXX XXXXXXXX XXXX mobile phone from XXXX Total amount is {$1000.00} I received the item on XX/XX/XXXX, but I opened the box instead of the same item described, it was an XXXX mobile phone. So I contacted XXXX to request a return, and they sent me a return label. On XX/XX/XXXX, I would return the item, and the item was Delivered on XX/XX/XXXX. Then they told me that the returned item was incorrect, but I received the item It's incorrect, so it was returned. XXXX refused to refund me.I filed a dispute with chase bank. After waiting for a month, I was told that the merchant thought the transaction was correct and refused to give me a refund.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Unauthorized credit inquiries obtained by the following companies : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting an erroneous late on my credit file. This late is for XX/XX/19. I have never missed a payment with Capital One. I do not recall receiving a call, notice, or letter about this delinquency. I have had an account with Capital One for a really long and have never been late other than this late notation and I'm sure i made this payment on time. I am asking that you remove this erroneous late remark. I truly don't think i was late, this may have been a system issue on the banks end. It is affecting my chances of obtaining financing and need it removed.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (WA)

I spoke with the company on 6 occasions regarding this ongoing issue. There are 4 payments that I made to credit account, but they were never applied, applied and reversed. 

After speaking with representatives, they requested proof from my bank that the payments were made. I provided proof in the form of the electronic transfer records provided by my bank. 

I spoke with multiple managers, and have multiple cases open, and each one was closed without explanation. 

I emailed corporate executives and received no response. 

These missing payments have caused my account to go beyond the promotional 0 % APR period for my purchase and its accruing significant interest. I continue to make payments on the account to avoid fees and negative credit reporting.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (GA)

I had a recurring bill payment set up within Ally for my XXXX XXXX  account. In the payment history I can see I changed the amount from {$1100.00} on XX/XX/XXXX to {$1200.00} on XX/XX/XXXX. For an unknown reason, this reverted back to {$1100.00} on XX/XX/XXXX, leading me to become late on my mortgage payment.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have contacted Capital One several times about getting a reduced interest rate on my accounts. I advised them that due to the Pandemic my income has been reduced and I would like to get a reduced interest rate. I can make the minimum payment but noting more then that at this time and my rates are over twenty percent on my cards. The only think they offered me was a skip payment on the account but refused to back off the interest charges. I advised them if I skip payments like this that would put my account into negative amortization. I advised them of this and they acted like they do not care and all I wanted was just a reduced rate during this time. I am just shocked with everything going on in the world that they do not have better help programs. I have been a loyal customer with them for years and they could care less.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (OR)

Our home was in forbearance. We took it off and were given three options. Bring the loan current, put the unpaid months at the end of the loan, or extend the loan and lower our payments. I'm XXXX and won't see the end of this loan, so lower payments sounded good. I was told EVERY time on at least 20 phone calls and MANY hours with US Bank that this would in no way affect our credit score. I was alerted by XXXX that US Bank flagged our account as partial of modified payment agreement XX/XX/2021. I'm guessing that is true as they extended the loan but it was never supposed to have a negative affect on our score. Our score dropped XXXX points in one day. I disputed with XXXX and US Bank. XXXX said US Bank listed the comments as true and they would not change it. We have another home we are going to take off of forbearance, will our score drop to XXXX??? 
XXXX # XXXX
Consumer complaint received 2020-12-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

In the month of XX/XX/XXXX, a debit/bank account was opened with USAA followed by an unsecured loan that was taken out using my information electronically. I was not made aware of this action until XX/XX/XXXX when I reviewed my credit report. Immediately I contacted USAA, in order to dispute this action. USAA did not notify me of the account via email. At the time of the loan being taken out, address information was not correct. The address on file with USAA was listed as XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( where I lived up until XX/XX/XXXX ), however, my address at the time was XXXX XXXX XXXX XXXX, MD XXXX ( where I lived from XX/XX/XXXX to XX/XX/XXXX ). I updated address information with the post office immediately after moving. After the incident, I notified the major credit bureaus, in order to place fraud alerts and credit freezes on my report, as well as contacted the FTC to report the identity theft. Following this, I contacted the police department to file a police report of the incident in XX/XX/XXXX. I have made several attempts at disputing this account with USAA. They have advised me that the account and the loan was not done fraudently. A detective working on the identity theft investigation has also determined that the activity is fraudulent and was committed by spouse. The investigation concluded on XX/XX/XXXX and Detective XXXX XXXX with the XXXX County PoIice department delived the results to me. I have since seperated from my spouse and I am in the processes of getting a divorce ( filed XX/XX/XXXX ) due to this action, as I was unaware that he committed this. This account and loan was opened up without my knowlege or consent and I am struggling with USAA on having is resolved. USAA has refused to give me any actions on how this can be removed, despite my submission of a police report and identity theft report. I have taken all neccessary steps and reccommend actions, but I feel that this is unfair for USAA to continue to hold me responsible for a fraudlulent debt. I have tried to contact USAA multiple times and have spoken to different departments regarding this issue. It is difficult and time consuming to get ahold of someone and I have spend countless hours on the phone. I have also written and mailed letters to USAA and the 3 major reporting credit agencies. The loan is currently being reported as a charge off and is negatively affecting my credit.
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates calls multiple times a day, every day, even on weekends. They from call from different numbers that appear as local and long distance calls. In 2 months theyve used well over 50 different numbers so far. 

Ive told them twice now to stop calling. 

I even requested validation of the so called debt. They have been unable to provide validation ( other than my name being on the account ).
Consumer complaint received 2020-12-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (MI)

I got a loan of XXXX I was told by my bank or cleared. Never received a letter of phone till a year and half later from a company called American they didn't tell me their name when they called after doing some research I found their name. Tgey refuse to accept payment says they are suing me. When I ask their address they refuse to tell me and hang up
Consumer complaint received 2020-12-16
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, XXXX XXXX, XXXX XXXXXXXX and INFINITI FIN SVCS add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-03-25
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: BARCLAYS BANK DELAWARE (CA)

I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (TX)

I had dispute over an amount on a purchase I made online using PayPal Credit, which is different from Regular PayPal. The correct amount was credited back to my running balance. However for some reason which no person has answered yet my transaction was with PayPal Credit ( handled by the Synchrony Bank ) however Regular PayPal became involved for some reason unknown to me. They sent me a notice that since I had contacted the financial institution for PayPal Credit that they ( Reg. PayPal ) could not resolve the issue, that I should contact XXXX XXXX ( PayPal Credit ) to handle the matter I do not, have not, nor will I purchase using Regular PayPal because you have to put up a cash amount to spend with. I have had PayPal Credit from the start. So I can not understand how Regular PayPal took it upon themselves to resolve a matter that the XXXX XXXX  financed for me in XXXX of 2020. 
However I recently was notified by Regular PayPal that they had credited my account twice so now I was informed they were collecting, the undocumented error that their book keeping had made, from my money sent to me to pay a phone bill. Theres no body available to talk to that will tell me the transaction data for each credit they gave me because I dont purchase through them. 
They have not given me any money and the XXXX XXXX  said ONLY ONE CREDIT for that transaction shows. I have no other account for them to credit, but they have taken my bill money unfairly. Over a week ago when I realized that there was a problem I made numerous calls and requested copies of all my statements since the original purchase date so I could see what day they credited my account that I dont have. I have made in excess of 10 - 15 calls and spent at least 8 solid hours with PayPal and PayPal Credit an and XXXX XXXX  trying to find out where the credit went, if they actually credited something after telling me they could not investigate the matter
Consumer complaint received 2020-12-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PRESTIGE FINANCIAL SERVICES INC (UT)

Prestige has refused to release my title although the car has been paid off in full. I have been going back and fourth through the new financial institution for prestige to release my title to XXXX XXXX and they refuse although this has been paid for 5 years. I have now financed a new car where I have done a trade in on the car with title issues 2014 XXXX XXXX, this could potentially ruin my chances in purchasing a new car. 
I have gone to the dmv personally to fix the issue however prestige can not release the title to me to put chartway as the lien holder.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

During XX/XX/2020, changed phone companies with a buy out programs offer from XXXX to port over lines. I switched from XXXX to XXXX. I found this debt collection on all,3 of my credit reports, for an amount more than the last bill and payoff amount of XXXX. The double the price on the report XXXX
Consumer complaint received 2020-12-11
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. (OH)

I recently pulled my credit report and seen there was accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The following account is listed below : XXXX  XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-07-18
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: Capio Partners, LLC (PA)

In accordance with a Fair credit reporting act [ CAPIO ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights. 
[ XXXX XXXX ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-31
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)

Subject : Transunion I bought XXXX XXXX from a dealer 2016 I put {$1000.00} down paynent Obe month and half later they took tge car from my drive way.

I was workibg and able to make my payment.

No notice, no warning & took the with all my belonging.

I complained with the other 2 credit repirting companies & is corrected. Trabsunion refused to do so.

I need your help XXXX   XXXX