davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Energy Information Agency of the US Government reported the other day that natural gas will increase 30 % this Winter plus 10 % for a cold Winter and an additional 10 % in any event because of the skyrocketing cost fo natural gas. 

Then there is the enormous increase in gasoline and the increase in electricity. 

Yet the Bank of America could care less! It demands full and complete payment monthly on my car loan with it! 

It engages in possibly age discrimination as it holds me to the standard of a much younger person who has full-time work. 

The Bank of America personnel in charge out in California has been brutally cruel me regarding a prior application for reduction in monthly car lone payments, even threatening to take my car away from me even though I must have it to visit my physicians! 

This is not a bank! It is an obscenely greedy money machine paying its top people in the many millions of dollars per year plus huge bonus packages! 

A bank without a conscience, that is what the Bank of America is in these respects! 

And it is deception to say it is " The Bank of America '' as if it be a branch of the Federal Government!
Consumer complaint received 2022-01-05
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 (NY)

I have been disputing with Capital One & XXXX for weeks on a rental car that I paid up front on and never pick up because they would not take my insurance ( and they wanted to charge an additional {$1200.00}, XXXX rental car ) but either company will not refund me in the amount of {$1300.00}. I picked up another car through XXXX rental car the same day all this took place with XXXX in the amount of {$1400.00} and they took my insurance no problem. It was around the holidays and I just wanted my money back ( {$1300.00} ) and would still like it back as I never picked up the car through XXXX to begin with. I have exhausted all my options. Ive spoke to different managers between both of the companies multiple times and nobody seems of help. 

*Capital One stated if I sent them proof that XXXX stated they would give me a refund with a fee they would be able to help me which I did and included now and they still told me they couldn't help me.
Consumer complaint received 2021-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

A car warranty was added to my loan, even when I said I did not want it. When I discovered the mistake, I cancelled it. The warranty company sent the refund to the car dealership. The dealership issued a check to my lender, Capital One on XX/XX/2021. It was deposited by Capital One on XX/XX/2021. It has never been credited to my loan. I have made numerous phone calls and talked with two different Resolution Specialists. The car dealership has faxed a copy of the check, along with the proof of endorsement and deposit, three times. My last contact on XX/XX/XXXX assured me he would take care of the matter and call me to inform me of any updates. He said ( as the previous Resolution Specialist said ) to allow 3-5 days. I have not heard back from him, as of XXXX XXXX
Consumer complaint received 2022-07-30
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. (CA)

In accordance with the FCRA my rights have been violated by the following companies listing inquiries on my consumer report ( credit report ) : INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX. - XX/XX/2022 XXXX  XXXX XXXX  - XX/XX/2022 XXXX  XXXX XXXX  - XX/XX/2022 15 U.S Code 1681 Section 602 A. states I have the right to privacy.

15 U.S. Code 1681 section 604A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-07
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: Exeter Finance, LLC. (TX)

This company shared my account with a third-party collection company ( XXXX ) before notifying me via mail of the account. They also have failed to validate this account being mine from me disputing this account since last year. They were reporting the debt as XXXX in XXXX and sold it to XXXX and now XXXX is reporting XXXX which means someone is lying about this account and no one has validated the account with proof of these amounts nor documentation that the account is even mine. I have also filed an FTC report and Police Report last year due to being a victim of identity theft but Exeter disregarded disputes and continues to verify this account with the bureaus. ( I have attached XXXX reporting of the XXXX from exeter and XXXX XXXX & FTC report filed last year. )
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Prior to closing my Chase Sapphire Reserve credit card account on XX/XX/XXXX, I had redeemed all my rewards points to book travel. I had used XXXX points to book accomodations at XXXX XXXX by XXXX XXXX XXXX ( equivalent of Cash value {$220.00} ). 

However my travel plans changed on XX/XX/XXXX and I cancelled my hotel stay. I had intended on reusing the reward points that will be refunded to book new travel. But the points never appeared in my account. Since then I have contacted Chase multiple times to find out how those points can be refunded. Chase keeps on saying that once an account is closed the points need to be used in 30 days. I understand that and that is why I had redeemed all my points prior to closing account. But in the case of travel changes, Chase should provide some grace period of 3-4 days to allow to refund points and then rebook travel. This is deceiving as Chase provided no notification when I cancelled my travel saying that the points are no longer available in my account for rebooking. These are the points I earned based on my credit card spend. Therefore Chase should refund them to me so I can rebook travel.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (AL)

Around the start of XXXX XXXX Applied for an american Express gold card as a natural person and was denied. I called numerous times to figure out why, and the ONLY reason i got ( also received in multiple letters ) was that there was no credit score and no undisputed claims exist on my report. I was told to fax information regarding a reconsideration nd was still denied. 
American Express has violated my rights to credit as a natural person. and failed yo uphold the Truth in Lending. They fiegned being a " creditor '' but can not loan credit or money persuant to 12 USC 83.

Also violating 31 CFR 306.11 ( a ) ( 1 ) creating commercial paper using my social security number ( open ended credit plan ) which can also be construed as identity theft because i recieved no benefit from the use of my social as required by law. There, s a hard inquiry on my reports as well to support the use of my SSN.

Congress has declared that it is a grave thing for proper information regarding credit be given to consumers to restore the faith in the economy. American Express has violated my right to credit as a consumer and natural person. American express has damaged my reputation and caused harm to my name by posting on my consumer credit file which bears the worthiness of my name. American express also violated the free credit reporting act by using my credit report in whole or in part of their adverse action and failed to provide a numerical reference. 
They lied in their responses saying they have rights to view my consumer reports. How is this legal without a subpeona or permission from me? 

I was violated and American Express has been no help. They tell me the laws don't apply. They said there is nothing they could do after I sent them the applicable laws. 

My reputation and RIGHT to credit are being trampled on.
Consumer complaint received 2021-10-17
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)

I submitted a method of verification to the credit reporting agencies about 3 months ago regarding inaccurate and false reporting of some accounts on my consumer report regarding bankruptcies. I wrote the court and they stated they do not report information to third party companies. These reporting agencies are stating false incorrect information and I even wrote to XXXX XXXX and they also stated they have nothing on file under my name. I demand these accounts be removed from my consumer report immediately.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and a copy of my Ballot with my name and address for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Kinum, Inc., Indianapolis, IN Branch (IL)

somebody got ahold of my phone and went on XXXX  and sent them money to themselves and messed my account up and i told my bank and they dont believe me and making me pay XXXX to this third party agency they keep calling me in the morning while im at work and this account was deleted and added back on to my credit report and it hurting my report from taking it off and putting it back on i dont want this on my credit report if you cant proof to me this debt
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NY)

On XX/XX/2022 i purchased 2 garment bags from macys- using their credit card. On XX/XX/XXXX they claimed the items were delivered to me- they were instead delivered to a store. On XX/XX/XXXX i called Macys customer service and requested a refund and they agreed to a refud. On XX/XX/XXXX Macys emailed me denying a refund for the items- claiming it was delivered to me. The merchandise was never delivered to me.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi the reasoning for this dispute is the following information listed on my credit report is inaccurate and fraudulent. I have contacted the following credit bureaus XXXX, XXXX and Transunion to have the inaccurate and fraudulent items removed but i didn't get a response, I am requesting that you the company ( CFPB ) change and update the incorrect items reporting on my credit report. Attached or supporting documents for this request ( Driver License, Social Security Card, list of fraudulent Inquires ) Also, I will attach my report filed with Identity Theft ( FTC ). 

Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible.
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: PNC Bank N.A. (MI)

Hello, I'm a XXXX  at XXXX XXXX  University. I got an Email in my university mail box about a XXXX job offer. Since the mail came in my XXXX mail box, i thought it was legit. The offer was to be a XXXX XXXX and the employer would send me checks through email worth {$2500.00} to deposit into my account. The name of the employer is XXXX XXXX, his email is XXXX. He would tell me to keep the {$500.00} as salary and send the remaining {$2000.00} to another person through the XXXX function in my PNC bank app. The email of the person i was sending the money to is XXXX. I only recently found out from my bank that the check i was depositing were fake checks and my account was overdrawn {$9600.00}. I talked to my bank and they told me that the only way to solve this problem is if i repay the amount in cash, for now, i was told to open a new account with a different bank. Currently i don't have that much money in cash. I'm reporting this incidence in hopes that you can help me find a solution because i genuinely had no idea that i was being scammed. I'm looking for any help i can get. Thank you.
Consumer complaint received 2021-10-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX IS FRAUDULENT STATING THEY HAVE NO INFORMATION ON MY CREDIT PROFILE. THIS IS OUTRAGEOUS. THEY ARE NOT CORRECTING DELECTING INACCURATE INFORMATION DELIBERATELY. I REVEIVED Five letters stating they don't have information to correct when I see on various credit reporting agencies the false information they continue to put on XXXX dispite proof by creditors that's duplicates and accounts are paid ie XXXX XXXX XXXX XXXX XXXX etc.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (OK)

Sunrise Credit Services , Inc SCS account number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account number :. ... XXXX Balance due : {$92000.00}. 

SCS is attempting to collect an outdated fraudulent/erroneous balance account/written off by XXXX  XXXX XXXX in XXXX. 
XXXX granted me a HELOC, home equity line of credit in the amount of : $ XXXX {$25000.00} check, {$31000.00} to o remain in XXXX   possession until I requested the remaining balance ; which I didn't and collect XXXX no interest and received no monthly statement s from XXXX  ; Home Equity Line of Credit : the equity in home is collateral for a loan. 
I told XXXX/SCS the property had been sold for one ( 1 ) year unpaid property taxes. 

In previous years I filed a " Double Homestead Exemption '' with the XXXX County Treasurer 's Office, which as " Exempt '' means ; I was free and clear from earlier years of delinquent property taxes, and no delinquent property taxes ; due to my age and disability/employment related injuries. 

The above referenced XXXX  account opened XX/XX/XXXX and closed XXXX. 

It is now : XXXX XX/XX/XXXX, four ( 4 ) years after Credit Bureaus seven ( 7 ) year statute of limitations on debt collections on the HELOC account closed by XXXX in XXXX. 

Someone has, illegally, changed this loan from the original amount of : {$56000.00} to {$92000.00} to {$100000.00}, back to {$92000.00}. 

These amounts appear in the Credit Bureaus files also. 

XXXX XXXX
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Credit Corporation (AL)

On XX/XX/2020 Avant credit card deny me credit in maliciously way.fact adverse action prove there unfair acts and not equal. Under federal law adverse action is to be lower. They just violated me under the fair equal rights law.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

The 'annual free credit score ' link in your website XXXX XXXX XXXX XXXX leads users to a labrynth of links that ultimately do not resolve into a credit score unless you have a link map that will navigate the user through multiple 'enter your credit card ' pitfalls into something that will actually tell you what your credit score is. I know the agencies to whom I owe money. I just want to know if I can rent an apartment, buy a car, or qualify for a mortgage. Can we please just have a clear indicator of what our scores actually are? This is insane, seriously. This link is not a bridge to a free credit score. It's a shameless hand out to credit companies trying to talk responsible adults into taking out more lines of credit.
Consumer complaint received 2021-10-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC (NJ)

I HAD AN IDENTITY THEFT WITH MY DOCUMENTS THEY OPENED AN ACCOUNT WITH ACIMA CREDIT A COMPANY THAT IN A PERSONAL WAY I NEVER DID BUSINESS WITH THEM THEY USED AN ADDRESS IN NEW YORK CHECK MY CREDIT REPORT AND THEY HAVE INFORMATION HERE, {$1200.00} # XXXX
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE/XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-01-05
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. (CO)

I completed a mortgage application with XXXX XXXX XXXX the last week of XX/XX/2021. Experian sold my information without my consent to other mortgage lenders. I have been bombarded with emails and phone calls from mortgage lenders due to Experian selling my information.
Consumer complaint received 2019-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

I recently noticed a collection on my credit report from Midland Fund/ Midland MCM . The collection is reporting a balance of {$1300.00} with the three major credit bureaus ; XXXX, XXXX & XXXX. I do not recognize this debt. I have tried to dispute this information with the credit bureaus but not have not received any resolution. This account is reporting with different dates opened and different dates of being last active. My rights under the provisions of the Fair Credit Reporting Act are clear, I demand these accounts to be deleted from all current and future credit reports. I believe that under Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I would like verification that provides a signature from myself and a contract.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc. (NC)

Moneylion has been constantly withdrawing money from my account! I spoke with a fraud department representative for Moneylion on XX/XX/XXXX and after talking for almost XXXX hrs we were told that my Moneylion account would be frozen and suspended while the investigation is launched, meaning no transactions or anything can be done with my account. At the end of the call with the fraud department, I was told that I would receive a case number in my email for my account investigation, I even have a voicemail that was left on my mobile device confirming that the case number would be sent to my email. Here I am today with no case number, and no representative answering the fraud department line even after being on hold for over XXXX. 
I first noticed my Moneylion account was breached on XX/XX/XXXX after receiving notifications of unauthorized transactions being processed from my primary bank account through Moneylion. Also, on XX/XX/XXXX there was another big breach into my account after noticing more unauthorized transactions being processed, these transactions totaled more than {$1500.00}! Today XX/XX/XXXX I have had a total of over {$2500.00} withdrawn from my primary external bank account for Moneylion payments and deposits even after reporting this account to the fraud department.

I havent used my Moneylion account in over 6 months in XXXX since I began working my new position with the United States Postal service, so it was mind blowing that so many transactions as well as loans and withdrawals from my external bank account was being processed by Moneylion. I CAN NOT GET THEM TO STOP TAKING MY MONEY and it is getting in the way of my real bills and paycheck deposits. Im seeking help in this case because this company obviously doesnt care about the claims and complaints from customers. THIS IS NOT ME USING THIS MONEYLION ACCOUNT and I refuse to keep losing money over a careless company! I will be taking all steps necessary to pursue legal actions against this company in hopes to stop the fraud and to receive my hard earned money back. 
( I also have photos of all the unauthorized transactions Moneylion have processed in less than a month totaling more than {$2500.00} )