davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Re : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is once again sending me collection notices for an account that was closed/written off/closed in XXXX. The statute of limitations for both Michigan and New Jersey is six years. More importantly, XXXX XXXX XXXXXXXX, XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) which prohibits the practice of re-aging the cut off date of this closed account. 

I have notified XXXX XXXX XXXX XXXX of this and through the three credit reporting agencies dispute resolution process. As a result, there is no further purpose to communicate with this company other than through the credit reporting agencies or through my attorney as it is unambiguously clear that XXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ) as I received another letter dated XX/XX/XXXX and my credit report ( s ) still shows current activity from XXXX XXXX XXXXXXXX, XXXX. 

To restate, once the cutoff date has expired, XXXX XXXX XXXX XXXX is not legally permitted to pursue payment of any assumed debt. Nevertheless, XXXX XXXX XXXX XXXX continues to park this debt on my credit report, call my cellular phone and send me letters. 

Today, I contacted XXXX and discovered that XXXX XXXX XXXX XXXX continues to place inquiries on my credit report, re-ages and re-parks the assumed debt, for which I placed a fraud alert with XXXX. 

The purpose of my contacting the FTC is to seek assistance in stopping XXXX XXXX XXXXXXXX, XXXX from inputting fraudulent information on my credit report. Once again, there is no reason to contact XXXX as the account was closed/discharged in XXXX and well beyond the statute of limitations. Please help me with this malicious and predatory company. 

Thank you.
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (LA)

I was set up by XXXX XXXX with XXXX XXXX XXXX-XXXX. The payment would come out of what XXXX set up as XXXX  XXXX XXXX XXXX XXXX. The payments were made available and maybe on XXXX occasion only the amt. was returned by XXXX  XXXX  ; but I was never notified that I am aware of. So eventually I began to receive threatening letters from XXXX XXXX to repossess my XXXX XXXX XXXX. 

I have never had anything repossesed and my husband and I called to find out how to send a payment to XXXX XXXX ; they advised us to go to Western Union to make the payment of {$1400.00}. We made the payment on XX/XX/XXXX at XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX ) to be sent to XXXX XXXX XXXX XXXX XXXX could not provide a XXXX  number ; we returned and asked for a receipt with a number to verify payment. They provided the receipt and not money transfer #. Western Union when we call the XXXX number told us they could not find record of the payment. Therefore we continue to receive threatening letters from XXXX XXXX. So basicaly they took our money fraudently and are saying they have no record of a payment. This appears to be a way for XXXX to fraudently repossess vehicles.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

Per law, 15 USC 1692c ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. 

I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of CA. Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. 

Please have the company crease all collection activities as this is my final attempt to complain outside of court.
Consumer complaint received 2017-12-05
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. (FL)

Dispite my multiple certified letters, disputes, my ID theft report, and my email that I sent to the CEO of experian XXXX XXXX the fraudulent account XXXX XXXX XXXX is still being reporting on my experian credit report. This fraudulent account has been removed from XXXX and XXXX credit report they are no longer reporting this fraudulent debt. I have kept records of all of my disputes and I have kept a copy of my ID theft reports! Experian has not complied with the law section 605B! My attorney has discovered the class action lawsuit that 's already taking place against experian XXXX XXXX XXXX, XXXX XXXX experian. Experian has seriously violated the FCRA laws. I will proceed and file a lawsuit with my attorney! I am well aware of my consumer rights and these are some serious Monetary violations! This is my final complaint!
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA (MA)

Kia motor finance is charging me late fees for a bill that was for tolls sent to them they they did not pay for 3 months plus. I paid the tolls, they now want me to pay their late charges for their inability to pay their bills on time!
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I received a {$5000.00} deposit from my school and deposited {$1800.00} into my bank account, totaling {$6800.00}. However, Citibank has blocked my account. I have reported this to Citibank 's XXXX XXXX XXXX, and my case number is XXXX. As a student, I dont have enough money to pay for rent and school. Please help me.
Consumer complaint received 2017-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: E. A. Uffman & Associates, Inc (OR)

In XXXX XXXX XXXX XXXX ( XXXX ) Failed to bill XXXX. In fact, according to XXXX from the XXXX Insurance provider XXXX XXXX not only failed to bill XXXX via XXXX, XXXX never even bothered to contact XXXX to become set up in their system to receive payment. And according to the XXXX XXXX Plan which administers XXXX, under State and Federal law it is unlawful to bill a XXXX beneficiary for any medical service without any attempt to bill the beneficiaries federal XXXX insurance or notify the beneficiary before a medical procedure that XXXX insurance will not cover the procedure, neither of which XXXX did prior or after the {$65.00} procedure. 

In this case, both the XXXX provider ( XXXX ) and the XXXX XXXX ( XXXX XXXX XXXX ) state the {$65.00} services would have been covered by XXXX had the Medical provider XXXX bothered to contact XXXX to be set up in their billing system and then submit the medical codes for the services. 

XXXX : XXXX XXXX, XXXX : XXXX XXXX had all of my XXXX information prior to service, which was for a physical assessment after wrist XXXX resulting from a broken XXXX after hit and run by automobile while I was visiting XXXX XXXX and was a pedestrian on the shoulder of a residential street without sidewalks near the lakes around XXXX. 

Further, I contacted XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, LA ( XXXX ) XXXX before I left the state of XXXX to make sure they had my XXXX ID number and all of the necessary information to bill XXXX.
Consumer complaint received 2023-09-23
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. (GA)

I am writing to express my deep frustration and disappointment regarding the multiple unsuccessful attempts I have made to correct a late open account with your institution. Despite my persistent efforts, this issue remains unresolved, causing significant inconvenience and concern. 

The late open account, which has inaccurately been associated with my financial profile, is adversely impacting my creditworthiness and financial stability. I first brought this matter to your attention, and since then, I have made several diligent attempts to rectify it through your organization. Regrettably, my attempts have not yielded any meaningful resolution. 

I initially submitted a request to correct this late open account, providing all the required documentation and evidence to demonstrate its inaccuracy. To my dismay, my request was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that this late open account is indeed erroneous. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the serious consequences of this late open account on my financial well-being. It has hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive investigation into the legitimacy of this late open account and, if found to be erroneous, its swift removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracy and its impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct this late open account immediately : XXXX XXXX XXXX Balance : {$10000.00}.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2023, I made a purchase with merchant XXXX for {$2300.00} for a pair of sneakers. 
I received the item on XX/XX/2023, but it was not what I had ordered. I received a completely different brand of sneakers. A common scam in shoe marketplaces. After speaking with the merchant, I sent the shoes back via their company provided XXXX label on XX/XX/2023. 
Once the merchant verified that they received the item, the merchant offered me a choice between store credit OR a refund to my original payment method. I requested a refund to my original payment method, and shortly after, I received a confirmation email from the merchant that the refund was on the way. 
On XX/XX/2023, I was forced to open a claim with Captial One after not receiving my refund from the merchant, nor any further communication after multiple email attempts with the merchant. I provided the tracking number to Captial One and explained the situation. Captial One verified that the return was made. A very easy open and shut case. 
On XX/XX/2023, just three business days later, I received an email from Captial One stating that the claim was denied and closed, which was shocking. Captial One didnt even request any further information from me aside from our initial brief phone call. 
I called Captial One once again to attempt to understand what occurred. Captial One stated that the merchants Terms and Conditions state that there were no refunds, only store credit for returns. This is untrue. If Captial One researched this for themselves, the merchant has a Buyer Protection Policy which covers receiving an incorrect item AND within their Terms and Conditions, it states, If you would like a refund to your original payment method, please include the request when you contact support. I have the email conversation from the merchants support team where they stated that they would refund my original payment method. Once I received confirmation of the refund being processed from their agent, I received a confirmation email of the refund being processed to my original payment method shortly after. 
I will include evidence that before I even shipped the item back, the merchant guaranteed a refund to my original payment method. Captial One did not even request any further information from me. The case was closed within three business days, which shows a lack of consideration for their bank clients. Captial One is understaffed, which is obvious by the 20 minute wait times when calling in, and they were more concerned with closing my case than actually spending time to gather information from me to review it. I was scammed out of {$2300.00} and received no help from Captial One.
Consumer complaint received 2023-09-23
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS ()

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2023-09-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

Received a {$3000.00} American Express e-gift card in XX/XX/2023. I was able to use the card by making a purchase online at XXXX and an online purchase at XXXX XXXX-leaving a remaining balance available on the card in the amount of {$1600.00}. According to the instructions, the e-gift card is supposed to be accepted at US merchants that accept American Express cards, but that's not true at all. The e-gift card is not accepted at XXXX, XXXX, XXXX and the list goes on. I called the customer service number and was told the best way to use the card is via XXXX XXXX in stores that accept it. The card worked a couple of times with XXXX XXXX but is now being declined everywhere I try to use it with XXXX XXXX. XXXX Customer Service for these cards is useless and just gives a big run around. This is total fraud and misrepresentation by American Express. I feel like I'm a criminal at this point, just for trying to use the card to access my own money since it's being declined everywhere. Not a happy experience at all and disgusted with Amex!
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have submitted a request for this company to remove this account from my credit profile because it is still reporting as delinquent and effecting my score. The debt is no longer a collection of mines and that was the excuse as to why it is still reporting. The account is charged off as a XXXX balance however is still reporting negatively on all XXXX bureaus. I have contacted the company and the bureus and both are in violation. 

FAIR CREDIT REPORTING ACT/REGULATION V Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

With that being said these accounts do not line up properly. 
REPORTING ON EXPERIAN 1. DATE OPENED - XXXX XXXX XXXX. DATE CLOSED - XX/XX/XXXX REPORTING ON XXXX DATE OPENED - XX/XX/XXXX This information is incorrect and documented. I am requesting that you please remove this from my credit profile. 

I have submitted an FTC report in the past, it was overlooked and I am really not in the mood to go back and forth about a line that you guys are reporting wrong.
Consumer complaint received 2017-12-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (OH)

I received a line of credit from Synchrony bank in XXXX of 2017. I was not notified of payment dates and when I contacted the bank I learned that {$200.00} was added on to the principal up front. The origin amount of the loan was approximately {$5600.00} and the amount that I owed Synchrony less than a month after the loan was given was approximately {$5800.00}. I also learned there was a {$10.00} fee to make a payment with person VS. an automated system. The automated system only gave the option to speak your answers and got my my information incorrect 4 times. I paid the loan off in order to protect myself from any further fees that may be added to the loan.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

In XXXX of XXXX, numerous fraudulent inquiries have occurred. These inquiries were NOT made by me. In two instance involving XXXX/Citibank , they even withdrew from my XXXX  XXXX bank account without my permission. Their records even indicated an address and phone number change, which were not mine, yet they concluded their investigation, stating that I was responsible. After informing them, in XX/XX/XXXX, that I would be taking legal action in XXXX of XXXX, they suddenly adjusted my account which is now showing a {$350.00} credit. However, they've yet to make any statements via phone or in writing, that they are accepting responsibility. Below, you will see the false inquiries listed, including the fraudulent event : XX/XX/XXXX XXXX XXXX/Citibank XXXX Fraudulent Inquiry XX/XX/XXXX - XXXX XXXX XXXX  XXXX Fraudulent Inquiry XX/XX/XXXX - Synchrony Financial - Fraudulent Inquiry XX/XX/XXXX - Syncb/Amazon - Fraudulent Inquiry XX/XX/XXXX - Syncb/Amazon - Fraudulent Inquiry XX/XX/XXXX XXXX XXXX XXXX - Fraudulent Inquiry -- -- -- -- -- -- XXXX -- -- XX/XX/XXXX - XXXX 's attempted to withdraw {$1800.00} from my personal XXXX XXXX account, without my permission or knowledge and failed to do so due to insufficient funds. 

XX/XX/XXXX- XXXXXXXX XXXX  withdrew {$1200.00} from my personal XXXX XXXX account, without my permission or knowledge. I disputed as soon as I had found out AND alerted XXXX/Citibank/and XXXX XXXX of the fraud and told them not to allow any payment of this nature to occur now or in the future. 

All parties made notes to the account regarding the fraud occurrence, and to not allow this to occur again. It was not characteristic of me to pay XXXXCitibank in that manner. 
Despite my efforts and the supposed notes made on both accounts, they allowed the second fraud occurrence. 

XX/XX/XXXX XXXX XXXX XXXX the {$1200.00} payment ( eventually adding the entire amount to my balance ) XX/XX/XXXX XXXX XXXX retried the {$1800.00} withdrawal, without my permission or knowledge, and was successful. I was forced to call all parties yet again, regarding their failures to protect my accounts. 

XX/XX/XXXX XXXX 's reversed the {$1800.00} withdrawal, and added the fraudulent activities to my account. 

These issues also caused financial loss in the form of a bounced check and late payment to XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MI)

You entered false information on my credit report. You are reporting me as 180 days late for XX/XX/year> and XX/XX/year> for my auto loan with Toyota but I was not late on my monthly payments to Toyota during these months. I had already paid Toyota the remaining balance for this vehicle during my Chapter XXXX Bankruptcy. I did not receive a discharge before my Chapter XXXX was dismissed, but this account was paid off as the attached official bankruptcy documents confirm. I did not owe the monthly auto payments in XX/XX/year> or XX/XX/year>.