davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC (GA)

I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Cavalry Portfolio to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.
Consumer complaint received 2017-01-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I opened a secured cc account with bank of america in 2013 for {$300.00}, a while after I closed out my account. Later the bank said I owed them XXXX when I only had a limit of the {$300.00} I put in ( my line of credit ). Later they reduced it back to XXXX. I opened the account with the explanation that the {$300.00} I put in was my limit. When I reached the limit I could not use the car until I put another XXXX in. The bank is now saying I owe them XXXX and keep reporting it on my report with no data displayed and when I call the bank or write them and ask them for proof, since I could only use what I put in, I am told they do not have to provide that to me ( per XXXX ). They are also reporting the dates wrong on the report.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: LEXISNEXIS (NV)

I have contacted Lexis Nexis previously regarding information being reported on my CLUE report. Lexis Nexis has failed to take any action. Lexis Nexis reports that I was the driver of an accident that occurred XX/XX/2015. I was not driving the vehicle nor was I present when this accident occurred. Additionally, I have submitted documentation showing the driver of the accident was XXXX yet Lexis Nexis fails to remove the erroneous information from my report. 

Insurance companies are using the information reported by Lexis Nexis to rate my policies which is causing me a loss as my premiums are higher due to this inaccurate information.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (AR)

Someone residing at XXXX XXXX XXXX XXXX, XXXX, GA XXXX used my social security number in XXXX XXXX to setup an account with XXXX XXXX. When first notified by a collection agency in XXXX XXXX, I complied with XXXX request to submit all the appropriate disclaimer information ( affidavits, picture IDs, court documents ). XXXX assured me that the matter would be resolved. Recently, however, I 've received another letter from a different collection agency ( Credit Collection Services, {$1700.00} ). Evidently, the previous collection agency ( the exact name I ca n't recall ) sold my account to this new collection agency. According to this new agency, I am once again responsible for submitting documentation proving I am not responsible for the debt, that I indeed am a victim of identity theft. Incidentally, I contacted the XXXX, Georgia police department several times. Eventually, they went through the motions of taking down information. Evidently, no prosecution has been sought against the individual who appropriated my identity. Even so, it is incumbent upon me to provide all the necessary information even though every party involved ( the XXXX police, XXXX and the respective collection agencies ) know the address of the individual using my social security number.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CO)

I contacted Barclays several times to find out why my Frontier airline account did not receive XXXX XXXX status and the 60,000 mileage awards after I fulfilled the terms of the agreement in XXXX XXXX. Around XXXX XXXX I found out that they ( Barclays ) had created a new mileage account number with Frontier airlines - I was not aware of this and that was not part of the credit card agreement. 

My credit card application used in XXXX XXXX had my Frontier mileage plus # on it. Because of their error, I was told I had to merge accounts : from the new one that I didn't create to the one I have had with Frontier for years. That took a week. 

Neither the credit card company or Frontier acknowledged the elite gold status until XXXX. Because of this I missed out on travel rewards and elite reward miles when I traveled in XXXX on Frontier. Frontier says that's because I booked the travel in XXXX, when neither company recognized my elite gold status. But if you ask them now, they'll say my effective date it is XXXX XXXX 

My take- this is fraud. I fulfilled the terms of the credit card agreement. And they got away with keeping the official date of XXXX XXXX as elite gold status without recognizing my flight in XXXX that should have been elite miles along with priority boarding, etc. It was not. And, no one contacted me directly to say that they had created a new mileage plus number away from the agreement- I found that out after extensive chats & calling. 

I researched this problem online on XXXX and found several customers of Barclays Frontier credit card had the same problem. And, each person had no idea that Barclays was creating new Frontier mileage plus numbers instead of using the existing number on the credit card application. 

I have contacted both Frontier customer service and Barclays customer service and neither will agree to the flight I took in XXXX as being elite. Nor will they change the elite gold status date to XXXX ( from XXXX ) to reflect their error.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> SYNCB/PPC **Subject : ** Request for a Copy of IRS Form 1099-C and Cease Reporting to Credit Agencies Dear Sir/Madam, I am writing to formally request a copy of IRS Form 1099-C related to the charged-off debt I previously owed to SYNCB/PPC. According to the IRS, this canceled debt has now become income, and I am required to claim it on my taxes. As such, I would appreciate receiving the 1099-C form at your earliest convenience to ensure I can file my taxes accurately. 

Additionally, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, and I am requesting that you immediately cease and desist from reporting any information related to this debt to any third-party or credit reporting agencies. Since the debt has been charged off, continuing to report this information may be unlawful and could lead to legal action.

Failure to comply with this request may result in my taking further legal steps to protect my rights. 

I trust that you will handle this matter promptly and in accordance with applicable laws. Please confirm receipt of this letter and let me know when I can expect to receive the requested 1099-C form. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I put a dispute countless times XXXX got the same results I am on XXXX XXXX all my expense are paid to in full Have part A B D XXXX have for years XXXX are medical bills on my account that should not be there XXXX they wo n't remove them the crediter is saying they find no accounts under my name with. Outstanding balance Need help
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (WA)

I was on vacation about two years ago and Wells Fargo stole money from my account on several occasions. The money was there one day and the next it's just gone. It doesn't show what happened to the money it was just gone. It came out to about {$200.00}. So I changed my bank for the first time in twenty years because of this.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (CO)

I have received letters and phone calls from this debt collector demanding that I pay a fraudulent XXXX debt. The debt is not mine and I have no knowledge of where it came from or how it became associated with my name. The phone calls from the company are harassing in nature, accusing me of lying and deceiving them when I refuse to turn over my personal contact information.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (NE)

Receivables Performance Management ( RPM ) sent a letter stating that we had been sent for a debt collection for XXXX in the amount of {$380.00} for services XX/XX/2016. We did not have XXXX services then, nor were we even eligible to get their services as they were not in our area at that time. We called XXXX to verify the fraudulent claims and they have verified that for us. RPM continues to harass us for a debt that is not ours!
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Re : Request for investigation and removal of inaccurate late payments on account XXXX, Account Number XXXX Dear CFPB Representative, I am filing a formal complaint regarding inaccurate information reported on my credit report related to my XXXX account XXXX account XXXX XXXX. Specifically, late payments were reported for XX/XX/year> and XX/XX/year>, which I believe to be inaccurate due to the legal protections in place during the XXXX pandemic. 

The following federal laws protect my consumer rights and have been violated in this case : 1. CFRA ( Fair Credit Reporting Act ) This law requires that any negative information on credit reports must be accurate and verifiable. In this case, the reported late payments do not reflect my financial situation during the protected period under XXXX regulations. 
2. CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) Under this law, if a financial assistance or deferment agreement was in place due to hardships caused by the pandemic, payments should be reported according to the terms of that agreement. During the period in question, I was under a XXXX assistance plan, so the late payment information is inaccurate. 
XXXX. XXXX ( Truth in Lending Act ) This law requires creditors to provide clear and accurate information to consumers. The account statements for the months in question do not reflect the XXXX assistance terms, violating this requirement. 

I have attempted to resolve this issue directly with the credit bureaus and the creditor, but I have not received an appropriate resolution. Therefore, I am requesting the CFPBs intervention to investigate this matter and ensure that my credit report is corrected in accordance with the legal protections provided during the XXXX pandemic. 

Attached is a copy of my credit report highlighting the inaccurate late payments, as well as supporting documentation showing that I was enrolled in a XXXX assistance plan. 

Thank you for your attention to this matter. I look forward to a favorable resolution that ensures the accuracy of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (KY)

XXXX has an ad that states you will receive XXXX % back on purchases the day you apply for your card if you are approved. I was approved for {$750.00} temp credit and {$2500.00} regular credit. It automatically went to my XXXX Pay and I went to the store and bought my items. The card was declined. When I called XXXX they said it had to be used online. No where in the ads does it state that if you opening it online that you have to use it on the website to get the credit. They said if you apply using your computer you can only use it online. This is very deceptive and just wanted to trick a person into opening an account.
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (IL)

Found a charge off on my credit report from Allied Interstate LLC. Sent a certified letter on XXXX XXXX and it was signed for on XXXX XXXX. In this letter, I I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I receieved no response at all, nor did they mark the account disputed per the latest credit report from experian. I sent a follow up letter even though they had already broken the law on XXXX XXXX and it was signed for on XXXX XXXX with still no response
Consumer complaint received 2016-09-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc. (NC)

Recently, Merchants & Medical started reporting a {$1100.00} balance on my XXXX credit report. Prior to this account showing up on my credit report, I never received any notice of my right to dispute. I have written Merchants & Medical asking them for a detailed explanation for this debt, but I have still yet to receive any explanation at all for this.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (WV)

I secured a Chase XXXX card for an immediate family member with mental issues. He lives eleven hours away from me and has been stranded a couple of times. I wanted him to have an emergency credit card with a {$300.00} credit limit knowing that he was unable to responsibly handle a higher limit. On XXXX XXXX, 2016, I checked on line and discovered that he had charged {$360.00}. I immediately called Chase and was told that they allowed some overages as a courtesy, and I was told that my family member could not charge anymore until the card owner made payments that brought the balance to under the {$300.00} limit. Therefore, I did n't check online again until XXXX XXXX, 2016, when a got a text alert that the card had been used again. When I checked the balance on my {$300.00} credit limit card, it was now {$1000.00} including pending charges! I immediately called Chase again, and I was told that, at their discretion, they could allow charges " somewhat '' over the credit limit! This was over three times the credit limit not to mention that their discretion does n't matter to me for I am the customer, and it was my discretion to limit this card to {$300.00}. They did not fulfill their obligation. In addition, I have a text alert set up to notify me if the balance ever exceeded {$500.00}. I received no text. Again, they did not fulfill their obligation. I should not have to pay any charges over the {$300.00} credit limit and want to file a formal complaint against Chase. Setting up a credit limit of {$300.00} gave me financial security but, at their discretion, if Chase can approve charges 3 times that, what 's the point in having a credit limit?
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

Every time I have a XXXX balance on my Macy 's credit card, I get a {$2.00} charge. For what? I have called and they say I do not have to pay it, yet, others who have n't paid, had it accumulated and then got charged late fees! So I pay it, but it is n't right. If I have a XXXX balance, then I owe, NOTHING. Also, I noticed in collecting my bills to file this, I have been charged {$2.00} on top of interest!
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/2016 XXXX charged my Capital One Account {$550.00}. At no time did we ever authorize or use this merchant. This was filled with Capital One as a fraud event and they canceled my account and issue out a refund with a new card. The charge appeared again on XX/XX/2016 and we went again with a fraud dispute and my account was re-credited. It again appeared on XX/XX/2016 as a recharge. Over the last XXXX weeks I have spend countless hours on the phone and writing letters. No body there ever returns a phone call. I need this issue resolved. Please help
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My wife checks our account everyday before she goes to work. This morning XX/XX/XXXX my wife got a notice saying that we had a restriction on our bank account. when I called and spoke to an XXXX ( XXXX ) and agent he said XXXX had found that I had received an XXXX XX/XX/XXXX and their clause says that if anyone gets a XXXX while being a member they can have their account closed. I did get a XXXX that resulted in XXXX. I started drinking heavily at one point after I came home from XXXX due to XXXX. I am diagnosed with XXXX form the VA and receiving benefits. This happened before we became members of USAA. We have no debt and have all our money ( {$61000.00} ) in this bank. I have all my direct deposites and drafts here. I need to know what is going to happen with our money and if I need to close my account for something that happened a long time ago. Any debt or overdraft charges due to my money being held will be paid by USAA. I need someone to call us immediately.
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credence Resource Management, LLC (NY)

I note that there was a collection on my credit report which I do not recognize. Here is the info of this collection agency : CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had a bank of America account, and they decided to close my account without notice. I called to let them know that those charges, and fees were not mine or authorized and they proceeded not to help me. Since, my account has been sent collections, and i lost funds that were taken from me. This happened a couple months ago, but i have not gotten around to it till now, because I lost my job, and my father this year alone. I been going through the hardest times of my life, and now this and the bank cant help me. I been a customer with bank of America since 2006. I wish these banks had better interest in their customers and their needs. Money is evil, and i work hard and live day by day to get by. I just want the bank to fix this and reopen my account and refund me the money taken. I love the Bank Of America family and would love to stay in it.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have an unverified account from XXXX account # XXXX that was placed on my credit report and I have been trying for over XXXX months to get this entry removed. I have spoke with numerous representatives, supervisors and even managers in regards to the erroneous account and i have yet to get it resolved. This is my XXXX dispute in which I am currently waiting for results. I have repeatedly requested tangible documentation whether electronically or hard copies and Trans Union has yet to verify. All they send is a letter with a statement saying " the account is verified ''. I demand that this unverified account : XXXX is PERMANENTLY DELETED FROM MY CREDIT FILES due to lack of verification and INACCURATE REPORTING.
Consumer complaint received 2016-07-12
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (OH)

I tried to withdrawal {$480.00} at XXXX XXXX, it would n't allow me to withdrawal funds. I checked my account within a day and it showed that the transaction had gone threw. I contacted my bank Citi Bank payroll card on XXXX XXXX. I filed a dispute with me against XXXX XXXX. I called Citi bank back after 10 business days, because I had not gotten a credit, and was told their still working on it 2 days after the 10 day period. I was told their credit risk depart is still working on it. I want my funds and I want them fined for not following the law