davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (LA)

My name is XXXX XXXX I currently have a US Bank Relia card that I use to collect my unemployment and I havent been able To access my funds for over 2 months now. I have {$1000.00} on my card that I cant use. I asked them can they issue me a new card because my card was made inactive they said they couldnt so I asked them why and they just keep saying they cant. Ive called them multiple times an Im being constantly told its nothing they can do and I need to contact My state agency and I did they said they have nothing to do with the card its US Relia Bank Card. I can check the balance on my card but I cant use the card because it is inactive. Louisiana XXXX wanted to know why were they still loading funds on an inactive card and why they couldnt issue me a new card. Im so irritated with the situation and you guys are my last result.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (TX)

GM FINANCIAL violated 15 usc 1601 ( a ) uninformed use of credit under truth in lending act. Also violated 15 usc 1692f ( 6 ) which states taking any nonjudicial action to effect dispossession or disablement of property. Also violated 15 usc 6802 which states a financial may not disclose nonpublic personal information to a nonaffiliated third party. Also violated 15 usc1681 section 602 A. states I have the right to privacy.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I live in XXXX Texas. On XX/XX/21, i traveled from XXXX Texas to XXXX Texas, On XX/XX/21. Still in XXXX Texas, i went to a XXXX XXXX store and bought item of {$36.00} and my card which i had with me declined. I came out from the store and logged into my account and noticed an unauthorized withdrawals, of {$1900.00} and i called the bank. The bank official told me to go the the local branch office to open another account, that they would start investigation. On XX/XX/21 i went to Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX Texas, and i was attended by the banker named XXXX XXXX, who was in the process of opening an account for me noticed that a fake mailing address was attached to my account. This fake address was in XXXX. And she noted that a card was shipped to this fake address by the bank. She quickly called the fraud department and asked them about the address, and the card shipped. It was then the fraud dept stated that two cards were sent to XXXX and they were going to cancel them. Then i asked them to tell me how and when that address was attached, and the card numbers. The bank staff said i would be told after the investigation. Up till now, nobody has given me any information on that. The bank denied my claim stating that the card number which was used at ATM was my card. I have my card in XXXX Texas, how could someone withdraw money from ATM without a card?
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (AL)

I paid off my mortgage on XXXX XXXX. LoanCare reported on my credit report as 120 days late at the same time as reporting my mortgage was paid off. I was in Forbearance due to COVID but have never been late. I have contacted my mortgage servicing company at beginning of XX/XX/2021 to have them take this off my credit. To this day I still have no resolution.I have also disputed it with all 3 credit bureaus still no resolution. My credit score has plummeted due to this false negative report on my credit.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

THE WELLS FARGO WAS PAID OFF YEARS AGO IN A BANKRUPTCY. THEY HAVE ON MY XXXX AND XXXX REPORTS CLOSED, XXXX BALANCE, AND CHARGE OFF IN REMARKS, THIS IS NOT A CHAREOFF AND THEY REFUSE TO REMOVE THAT REMARK. IT SHOULD BE PAID WITH XXXX BALANCE.
Consumer complaint received 2023-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (TX)

Hello GLA Collection Company, This message is in response to an itemized list you provided. I am allowed under HIPAA Law ( Health Insurance Portability and Accountability Act ) to protect my privacy and medical records from third parties. I do not RECALL giving permission to GLA Collection Company access to my PRIVATE HEALTH INFORMATION. The form you provided does NOT include my signature and consent to release private health information. This is a violation that allows me to seek damages. I expect GLA Collection Company to be removed from my credit report with all 3 agencies ( XXXX, XXXX, XXXX ). All Accounts are listed below : GLA Collection Company GLA Collection Company Thank you
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act ( Experian ) has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

I will attach here proof from my bank account with XXXX XXXX XXXXXXXX to prove that I was never late and/or delinquent with Wells Fargo Auto. Please remove all 11 late payments from the 4 credit bureaus. Or remove this account completely from all 4 credit reporting bureaus.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

I called to complain on XX/XX/XXXX at XXXXXXXX XXXX. I called w/ a concern about being charged interest on my account. There was a period when the balance transfer amount accrued no interest. After that period the amount would be charged interest. I was informed of this many months ago. When the period was coming to a close I should have been informed of my options to pay off the transfer or to continue to make minimum payments which would reflect any interest. This would be the 2nd time. Of course, Discover, since it was in the company 's interest, felt that the initial notice was good enough. That is what I called to complain about. I spoke to 2 people in XXXX XXXX XXXX. The 1st person on the phone refused to be of any help so I asked to speak to someone else and was helped by a supervisor. Though I did not make a note of the 2 persons names ( why bother as it will make no difference to Discover ), the supervisor promised to credit the months of interest and gave me the amnt of {$1100.00} to pay the transfer and avoid any interest. ( during the interest free period I had made all payments on time ). Despite this I have received notice that I still owe {$75.00} w/ a payment due on XX/XX/XXXX. I am concerned that I was deliberately given misinformation and unless I make some payment on XX/XX/XXXX Discover will make a defamatory credit report. I have scheduled such a payment but protest and do not give up any of my consumer rights.
Consumer complaint received 2020-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (FL)

on XX/XX/2020 I received an email about a new account added to my credit report i got several alerts about it from a few credit monitoring services. I noticed an account was showing from acima credit services which I did not open. I have fraud alerts on all my credit reports and a phone is listed to call for any new credit due to my x wife having access to my personal information. no contact was made by acima credit before the credit was extended. i have no idea what the credit is for or did I give permission for it to be granted. i have a FTC identity theft report filed case number # XXXX.
Consumer complaint received 2017-11-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MD)

I am to pay on the XXXX of every month to Credit Acceptance, there is no grace period so on the XXXX and up until I pay my payment they call me at least 7 times a day starting from XXXX Est. time till sometimes XXXX. When I fell 2 months behind maybe close to 3 which I do n't know they do n't send no kind of statements or no paperwork of any kind out about the loan the came and repossessed my vehicle. I made arrangements to pay on it to get it out and an amount of {$510.00} on the XXXX of the next month well I tried to explain to them before I okay that arrangement I only get paid twice a month so my first check go to my rent and utilities I can pay on the XXXX but they would n't go for it, so before the XXXX came I called and said I will be late and told them I will have it paid on the XXXX they were like ok thanks for calling us this is breaking your agreement but we will note it. The XXXX come and they started calling my phone again up to 7 times or more a day. I think that is outrageous and I have asked them to please stop calling so much where I work I ca n't answer my phone to leave a message and they wo n't I gave them my Fianc number but they wo n't call her either. Can you help me with this harassment?
Consumer complaint received 2017-11-04
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: EQUIFAX, INC. (MD)

Equifax- On or aboutXX/XX/XXXX I called Equifax after receiving my credit report. There are inquiries that i din not give my consent for. I asked them to remove the fraudulent inquiries and they refused. This is negatively impacting my credit score. They are as followed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (AZ)

My mother in law passed away in XXXX. Her only income was Social Security for many years prior to her death. 

After her death we started to get statements from a collection agency. I called them twice to advise them of her passing. 

I requested that they no longer send me statements. They requested payment from me. Neither my husband nor I are on the account or a co-signer. They requested that I send a certified copy of her death certificate. I advised them there was no estate and that they could verify her passing via XXXX XXXX or the XXXX. 

Now we are getting periodic statements 4 YEARS LATER still trying to collect. 

This is what they say " Dear ( deceased name ), We know that life happens. ( This line is in a cheerful blue and much larger font ) Every day XXXX, XXXX works with people to resolve debt. We would love to do the same for YOU. ( YOU bold and capitalized ) Sincerely, XXXX, XXXX '' Really??? Life certainly happens but so does DEATH. 

- I told them 2x she died in XXXX. 
- I requested they remove my address from their system. She never lived with us. 
- I told them there was no estate. 

Yet here we are again. This is at least the 2nd letter, with the same wording, we have received this year.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT.
Consumer complaint received 2021-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

Good afternoon CFPB : I need to filing a complaint with the CHASE Bank. Since they blocked my bank accounts. Without giving me a term to extract my money from them. 

Although I was always communicating with them. After the blocking of my account on XX/XX/XXXX, I have been calling every two weeks to find out the status of my funds, since they indicated that they would write me a check for the total amount that my account had at the time of closing. 

XXXX months have passed and they still tell me that my account is under investigation and my money is still being held. This money is the product of my work, and it has prevented me from replenishing my inventory of cleaning products, which is a family business I started during the pandemic. 

The amount in the account is {$56.00} Ive attached the letters received by the bank. 

I remain attentive to any other request for documents.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (HI)

I was not aware of this debt until a credit report was ran in order to get a mortgage. I have never received a phone call or mail about this debt. I called the company and when they asked for my information phone number, etc. they stated that was the phone number they had on file, but that in their system it was marked as disconnected. I have had the same phone number for over 10 years. I was not able to verify what the debt was for. I asked to speak with a manger to get more information And resolve this matter if possible and was told that they dont do that and if I wanted to file a dispute it would have to be through email. 
I have NOT received any communication from Real Time Resolutions until I called them about this. My credit report is showing over a year+ of late payments to this company.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX incorrectly reported a 30-days late payment on a credit card balance of about {$10.00} in XX/XX/XXXX. XXXX recorded this incorrect information and I discovered this some months later and disputed it. XXXX told me I had to pay {$4.00} a month for credit monitoring in order to get any information corrected, then go to XXXX to resolve the issue. I opened a dispute with XXXX and they found in my favor in a letter dated XX/XX/XXXX. XXXX then reported this to Experian, and I also sent the letter from XXXX finding in my favor to XXXX XXXX then closed the dispute with the incorrect information still in there and continues to bill for their " credit protection '' with a strong implication that more severe negative mistakes will show up on my credit report if I do not. This has already likely cost me a higher interest rate on a mortgage refinance. Equifax corrected the bad information already without even asking for payment. XXXX is still working on it but hasn't ever asked for payment in exchange for accurate reporting.
Consumer complaint received 2021-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I submitted claim # XXXX in the amount of {$510.00} for a purchase made on XX/XX/XXXX for a hotel stay in XXXX that was scheduled for XXXX of XXXX. Due to the unforseen global pandemic XXXX has shut its borders and we are unable to travel to the country. I've reached out to the merchant countless times regarding a refund and have been unsuccessful. Chase has closed my claim and sent me a letter that says the transaction was processed correctly or was authorized. I called Chase claims department for further explanation as the letter states and was told that the claim is outside of the 120 day window. However, they are making exceptions for claims related to covid-19. I ironically received this response after submitting a previous claim with the CFPB in regard to Chase closing my account without notice. After receiving a response from the bank claiming they can close accounts at their discretion I received this letter claiming the cahrge was authorized. Yes, I authorized the charge I expected to travel to XXXX but I did not expect a global pandemic and for the country to close its borders and keep them closed. I would like to receive a refund.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CO)

XX/XX/2021 someone took at XXXX XXXX coins out of a crypto wallet held on Coinbase wallet. This transaction was unauthorized. Coinbase is unwilling to compensate for my losses that were out of my control. There response was that my recovery phrase was compromised and used to authorize the withdrawal. ( Never happened and it is physically impossible for anyone but Coinbase to know my recovery phase, hence theyre the ones that issue it. ) I want the money and or coins reimbursed. I have already reached to Colorado dept of finance services. I have also withdrawn everything affiliated Coinbase to a separate wallet for safekeeping.

Upon further reque st I can send attachments through encrypted email correspondence.
Consumer complaint received 2024-09-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (AR)

Venmo XXXX XX/XX/year>, I logged into my Venmo account to find it was frozen. I followed the instructions supplied by Venmo Help. 
XX/XX/year>, forwarded an email to Venmo regarding a review of funds on XX/XX/year>, stating the funds were now available but the account would have restrictions and would only be able to transfer using the standard transfer option. 
XX/XX/year> Transfer initiated XX/XX/year>, XXXX PM received a request for my identification due to activity XX/XX/year>, XXXX PM received an email stating they were permanently deactivating my account and funds would be held for up to 180 days for loss prevention purposes XX/XX/year>, to XX/XX/year>, There has been multiple emails and I always receive the same response for about 180 days. 
On XX/XX/year>, I sent an email to check the status of the funds. I also sent the email I received in XXXX about the review of funds and how there have not been any transactions or deposits since then. 
On XX/XX/year>, I received an email from Venmo stating the support department has nothing to do with this type of issue.
Consumer complaint received 2017-11-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: General Motors Financial Company, Inc. (NY)

In late XXXX or early XXXX XXXX My husband went to XXXX XXXX to get an oil change on his XXXX XXXX. After a few hours, he called to tell me the salesman we have always used there, XXXX XXXX, introduced him to a fully loaded XXXX XXXX XXXX. At this time my husband had recently completed XXXX. When I got to the dealership I was reluctant to agree to this jointly. I privately talked to the salesman and told him I was worried about signing jointly in case XXXX 's health did not continue to improve. Noteworthy - we were there several hours due to my trepidation and in that time my daughter called to ask if her fiance was eligible to use my father 's XXXX XXXX discount. I was told by XXXX XXXX that he was not. I was also told that if my husband wanted this car I would have to be on the lease because I was the family member for the XXXX XXXX or the discount would not apply. I also have a lease on a XXXX for my own use. In short, I felt pressured to sign. My husband XXXX on XXXX XXXX, XXXX due to XXXX XXXX XXXX and I 'm being told I 'm locked into this lease for a car I do n't like or want. l recently found out I was NOT required to be on the lease per the terms of the XXXX XXXX. My daughter 's fiance also lost out on a large discount because of this misinformation. This has caused a terrible financial burden, as my husband XXXX without an estate or any XXXX insurance. I feel that the dealership had a fiduciary responsibility to give me accurate information or find someone who could. When I found out in XXXX XXXX that I did not have to sign this lease XXXX XXXX went to his supervisor who verified verbally and publicly in the showroom that I was not responsible to sign that lease in order to receive the discount. At this point I am barely making ends meet as I continue to pay for 2 leases registration and insurance and drive only 1 car. I hope you can help me.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (NJ)

An accident on my driving history record says I was at fault for the accident that occurred on XX/XX/2019. But I have the police report which states that the other driver was at fault and received the tickets, not me.