davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (IA)

After XXXX treatment in 2019 I entered into a global pandemic. I was denied all aid from Iowa ( some doctor in Iowa XXXX abrogated XXXX XXXX suggestions of recovery and denied me-twice ). So I got an email from one main financial. I called them and they would approve me for a loan if I gave over my title. I was 6 months behind in my car payment and worked out a deal to settle. One main paid the balance and took the title. I was defiantly a bad choice and they gave me 33 % interest. I had only had a job for XXXX month and was fired XXXX weeks after the loan processed. They did not qualify my work history or even check to see if I had any money. They had me in and out and just kept saying just hit approve. I was seriously drugged on anti-depressants and really had no clue what I was doing. The car had a dead battery and they asked me for photos over a year old to use for an odometer reading ( they didnt care that the car was not functioning at the time-they just wanted the title ). Well I was unable to pay it off and XXXX weeks ago I was sued in small claims court. I didnt understand how to use iowas online system ( much to my chagrin the Iowa courts said I should have gotten a lawyer and that there is nothing I can do. I could try to appeal. However, now that Im 3 year post XXXX treatment and not under 6 months like when I signed my life away I can see how they saw me coming. They offered to get me a taxi to get me in the office. I explained I was a post XXXX treatment patient and needed help with the paperwork. They sped me through as fast as possible. 

I know I cant do much now ; I was totally taken advantage of during a time of duress. I was under XXXX months of XXXX treatment at the XXXX and they suggest 3 year of recovery. Which is now. I got taken for a fool at a time when I was unable to make clear choices and these folks did everything they could to get me sign away. They are predators and now that Im able to think clear ; I can see how deep they took me under. 

Shame on them ; shame on me for having XXXX. I cant believe how much they took advantage of me in a global pandemic. With my clear head, I never would have agreed to 33 % only have a job XXXX weeks prior to obtaining a loan. One main is a shameful company and I think this agency need to investigate how they practice. Post XXXX treatment me is still awed by how much they too me for a ride. They knew my car was not paid for months, yet by holding the title they knew I was not going to be able to pay them off ; they committed many crimes.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (FL)

CFPB + American Express, On a recent review of my credit report I see there were hard credit inquiries on XX/XX/XXXX and XXXX- I believe the hard credit inquiry on XX/XX/XXXX needs to be removed as that was an extra pull. 

Enclosed with this is : - my drivers license - my social security card - my address- my written complaint- XXXX and XXXX credit report where these show
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Coinbase, Inc. (OR)

Coinbase offers 4 % rewards on purchases paid out in XXXX XXXX, in 1-5 days, when the payment is complete. I made a payment on XX/XX/XXXX for {$2500.00}. On XX/XX/XXXX the payment was marked complete and displayed {$100.00} as the reward, but the reward never arrived. I have called every single day since XX/XX/XXXX and have been told someone would get back to me in 24-48 hours and that there is no manager or supervisor available. Its been well over 48 hours and no one has contacted me or even attempted to resolve this issue. Every rep I speak tells me something different, they keep trying to transfer me to each other and tell me to call different departments, and none of them have answers or a resolution. They are violating their own terms and conditions and are nearly impossible to get a hold of. Their foreign based customer service is unhelpful and hangs up on me when I ask for a manager. Transactions before and after the one in question and been marked complete and paid out rewards immediately, this is clearly an error on their part or is intentional because it is the maximum reward possible and they dont want to pay it.
Consumer complaint received 2022-06-07
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. (GA)

15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; 3. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXXXXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXX. The XXXX XXXX XXXX  Acct # XXXX has violated my rights.
Consumer complaint received 2022-06-07
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

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
Consumer complaint received 2022-06-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A Bank of America credit card appears in my credit report and does not belong to me. 
the account belongs to someone who has my same birthday and almost same name I have already obtained a police report and an affidavit of identity theft victim which I will be happy to submit to you Other items have been removed from my credit report who belong to the same person of the Bank of America credit card. 

I contacted Bank of America and they couldn't help me. 

Please assist me so Bank of America stops reporting such credit card in my credit report thank you.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Department of Education XXXX XXXX, has violated my rights. 
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
Consumer complaint received 2023-02-16
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 (FL)

On XX/XX/XXXX I disputed a charge of {$450.00} on my card via Comenity Bank 's online secured system. The charge was posted on XX/XX/XXXX. I advised Comenity Bank that I had requested the company that placed the charge on XXXX. XXXX, and XX/XX/XXXX to remove the equipment they installed on XX/XX/XXXX. The company, XXXX XXXX, didn't respond or pick up the equipment. 

I was told by Comenity Bank that I needed to mail a letter to them on the address on the back of my statement. On XX/XX/XXXX, I sent them a letter with the details. The technician showed up XXXX  hours late and installed the equipment in the wrong location. The cameras picked up about 30 % of what my Ring cameras picked up and I asked on several occasions for them to be removed. 

When I called Comenity Bank to confirm receipt of my letter, I was told it would take XXXX  days to investigate. I confirmed this company would not be allowed to charge my card. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the same company charged my card for {$64.00}. I called Comenity on XX/XX/XXXX and XXXX and was told to dispute the charges online. When I called this last time threatening to report Comenity Bank to CFPB, I was told how to freeze my card from recurring charges but they claim to still not have any information about crediting my account. They never offered this information before. I have copies of all emails to both Comenity Bank and XXXX XXXX. They are all fraudulent.
Consumer complaint received 2022-08-14
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. (AZ)

I've been a victim of identity theft and I'm suffering punitive damages due to XXXX XXXX XXXX XXXX in the amount of {$3300.00} on XX/XX/XXXX reporting fraudulently to my XXXX and Experian credit report and XXXX XXXX XXXX XXXX in the amount of {$220.00} on XX/XX/XXXX reporting fraudulently to Experian. I have mailed FTC reports to both the company and the bureaus without this being resolved.
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (TX)

I was contacted by a XXXX XXXX XXXX XXXX, on XXXXstating that I owe a debt of {$11000.00} for a Military star Credit card. As I explained to the collection company, I have never applied for or owned a military star credit. then around XX/XX/XXXX, I got a letter showing interest accruing on this fraudulent military star credit card to the tune of {$11000.00}. I asked them ( XXXX collections and AAFES ), to look into this account for fraud. the collection company has yet to provide a copy of the signed application or any pertinent proof, that I applied or received a credit card from the AFFES ( Army Air Force Exchange Store. 
I have sent notices to the collection company and also to the AFFES, and none have taken corrective actions to correct this injustice of identity theft. 
XXXX collection has now taken unprecedented actions in XXXX and seized my XXXX tax returns on this fraudulent account. 
I have been reaching out to attornies and other governmental agencies for assistance in this fraudulent matter, stating to these entities I did not owe this bill nor was it my account, to no avail on several occasions I was informed that this case is not going away because was like owing the IRS part of the government. I am still in search of and seeking to correct this wrong and prosecute the Individuals or whomever that have wronged and stolen my identity and created this fictuticious account.
Consumer complaint received 2022-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (CA)

I have been sent multiple notices for collection of payment that has already been paid. 

I have contacted AmerAssist Solutions Inc about a dental bill on XXXX XXXX, 2022 about looking into the matter. Additionally, I have supplied the receipt that was given to me as proof of payment of the bill. The contact then emailed me back stating they would follow up with me after contacting the company. I contacted them again XXXX XXXX to ask about the situation due to another collection notice sent to my home. On XXXX XXXX, 2022, they had replied that the account was not paid and I would need to contact the creditor company XXXX XXXX about further question, despite already showing proof of receipt. 

On the same day I contacted Amerassist Solution Inc, ( XXXX XXXX, 2022 ) I also emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was replied to the same day from the operations manager. I emailed the same receipts I did AmerAssist and XXXX XXXX stated that they would look into situation and have the situation resolved. XXXX Smiles failed to contact me about the bill following my initial emaiI. I contacted XXXX XXXX again on XXXX XXXX and XXXX XXXX asking for an update but still did not receive a reply. 

Despite trying to resolve the issue with both companies, I have instead been sent a notice about how the proposed bill will affect my credit. These XXXX companies have been grossly negligent in trying to resolve this issue as I been given no assistance in the matter as well as being ignored by both companies. 

Attached are the files that include the receipt showing proof of purchase, along with the statement from my bank account
Consumer complaint received 2022-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp. (AZ)

In XXXX, XXXX, I received a notification from a credit monitoring app that a new collections account was listed on my credit report with the name, " ABSOLUTE RESOLUTIONS INV '' collecting the amount of {$19000.00}. This is the only reason I have any awareness the collection agency, as they have made absolutely no attempts to contact me directly. I have been working with XXXX XXXX XXXX XXXX to help me negotiate debt settlements since XX/XX/XXXX and I immediately notified them of this new account. They contacted your ABSOLUTE RESOLUTIONS INV to try to settle this collections account several times. 

On XX/XX/XXXX XXXX failed to deliver a certified letter, that I can only assume was sent from ABSOLUTE RESOLUTIONS INV, because I was traveling to support family members with COVID-19 infections. 

On XX/XX/XXXX, I received a letter from the Superior Court of Arizona regarding case XXXX. The plaintiff ( ABSOLUTE RESOLUTIONS INV ) entered a Ex Parte Motion on XX/XX/XXXX to Allow Service Under Ariz. R. Civ . P. 4.1 ( k ). The motion stated Defendants are evading service of process but the plaintiff provided no evidence to support the allegation. The court denied the motion as the fact the Defendant ( me ) lives in a secure building does not constitute evading service. 

Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX has worked on my behalf to make several offers to settle this debt, with no response from ABSOLUTE RESOLUTIONS INV. This collections company has failed to contact me directly about this matter since acquiring the debt, and it has become clear to me that they would prefer to abuse the Arizona courts system, using it to intimidate and harass me and waste taxpayer resources. 

I am trying to arrange funds and have good intentions of paying off as much of my debts as possible. I have emailed them directly, including the attached letter regarding my recent financial hardship for their consideration, assuming it acts as valid proof that I have attempted to settle said debts. ABSOLUTE RESOLUTIONS INV has made no attempt to contact me directly or respond to my numerous attempts to settle this debt without the Arizona Courts. I am submitting this complaint because ABSOLUTE RESOLUTIONS INV is abusing the Arizona Courts to harass and intimidate me. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

I have a chase banking account ending in XXXX, at the time of opening, no one advised that they will be charging a monthly account fee of {$12.00} if the daily account balance is below {$1500.00}. JP Morgan Chase bank has been STEALING my hard earned money even though I have payroll direct deposit set up and the requisite account balance is maintained and they REFUSE to refund my money that they have STOLEN without my consent. I want this agency to investigate this and take immediate action against these FRAUDS at JP Morgan Chase
Consumer complaint received 2023-03-24
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. (CA)

n 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 U.S.C. 1681- Account name : XXXX Acct # XXXX has violated my rights Account name : XXXX XXXX XXXX Acct # XXXX has violated my rights Account name XXXX XXXX Account # XXXX has violated my rights Account name : XXXX XXXX Acct # XXXX has violated my rights Account name XXXX XXXX XXXX Account # XXXX has violated my rights Account name XXXX XXXX XXXX Account # XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account name XXXX  XXXX XXXX Account # XXXX XXXXXXXX has violated my rights Account name XXXX  XXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S.C. 1681Section 604A section 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S.C. 1681c ( a ) ( 5 ) a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

Dear Consumer Financial Protection Bureau : I would like to submit a dispute against Citi Simplicity Card in the amount of {$1000.00}. Citi automatically issued special rate document on XX/XX/XXXX Annual Percentage Rate ( APR ). The document stated the APR was lowered to 0.00 % for purchases made through XX/XX/XXXX. The credit limit on the credit card was {$2000.00}. 

There was no revolving balance on this credit card as of XX/XX/XXXX. On XX/XX/XXXX Citi charged a {$1000.00} fee with the entry Offer 04 Promotional APR Ended XX/XX/XXXX. I phoned Citi and they stated I made transactions against the credit card and this was a valid charge. 

I reviewed Federal Deposit Insurance Corporation ( FDIC ) 6500 Consumer Financial Protection Bureau 1026.54 Limitations on the imposition of finance charges, it states finance charges can only be imposed on unpaid balances as of the grace period. All of these transactions were paid in full as of XX/XX/XXXX and there were no monthly charges during the timeframe revolved on this credit card. 

I am assuming the Citi fee in the amount of {$1000.00} applied to transaction charges placed on the credit card from XX/XX/XXXX to XX/XX/XXXX. Citi stated : All purchases prior to XX/XX/XXXX were placed in the promotional interest rate, when this promotion ended, these purchases were transferred to the standard purchase segment. 

FDIC 6500 regulation states finance charges can only be imposed on unpaid balances as of the grace period. Can Citi go back and charge interest on purchases that did not revolve over the due date of the monthly statement?