davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-07
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 (AL)

THIS ACCOUNT at Bank of America and this Loan was fraudulent. XXXX  and XXXX  removed the account but XXXX refuses. I have FTC Fraud Report and Police Report. Plus I have asked BofA to produce proof of loan and they can or will not. 


Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities  when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, Fraud Victim Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files XXXX   STATEMENT XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

ACCOUNT DETAILS Account Name BK OF AMER Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$9100.00} Balance Updated XX/XX/XXXX Credit Limit {$8000.00} Monthly Payment - Past Due Amount {$9100.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - FRAUD NOT MINE
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

18 year 's of credit deined to me using my real data as a 50 states IDs scams frauding me and my documents and as retailers business permits and products and skus and 50 states XXXX XXXX products and menu 's and groceries stores containers and advertising and schools and colleges frauding scams using my documents and auto stores and insurance workers and investment reps and XXXX and sales personal and attorneys and lawyers and judges and building permits and banking permits and politican listings and home land development and semi trucks companies and CDLs frauding me and my documents. 

I have been deniged credit cards for 18 years from XXXX XXXX, XXXX, XXXX, and XXXX and thru all banks to for credit cards. 

Even XXXX XXXX Even XXXX 's
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: VIN Title LLC d/b/a Discount Title Loan (TX)

I obtained a loan through Discount Title Loan in XXXX Texas XXXX at the Pecan and XXXX XXXX. XXXX. I was overcharged XXXX XXXX XXXX. My payment should have been XXXX and instead was charged XXXX. I asked for a refund they declined and then after payment stated it was a late fee. I was instructed I had 7 days of grace only to be told it's only 5 day grace period. Each time I call to make a payment they always say I'm on a 6 month plan and that my payment is XXXX a month. That is not true. Im on an 11 month plan. When I bring that to their attention then they say oh yeah ok you are on 11 month plan. But it's everytime. I don't feel safe and I do not trust they are doing business in good faith. I find it more than odd that the late payment and the price they try to get me to pay are the same. If I didn't bring it to their attention they would bill me more each month. When I brought it to their attention they just made feel like I was stupid and didn't know what I was talking about. They are trying to cover up their mistakes.
Consumer complaint received 2018-02-04
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: Fidelity National Information Services, Inc. (FNIS) (MD)

Chex Systems , Inc, XXXX XXXX dba XXXX XXXX XXXX XXXX accessed my consumer file without authorization or consent ( my personal consumer files are frozen with fraud alerts ) .I received no phone call to verify my identity as listed on report. I hold a joint account and one business account with XXXX XXXX since XX/XX/XXXX. 

XXXXr XXXX refused to release copy of the consumer report obtained with my personal information attached to business member application with unintentional error. Company information was updated XX/XX/XXXX. 

Based on consumer reporting obtained through an unauthorized 3rd party, XXXX XXXX XXXX XXXX dba XXXX XXXX adversely affected my creditworthiness and trust with their financial institution in all business matters. I am a XXXX member and their acts were malicious, misleading, and cruel. 

Every month over the last 90+ days XXXX XXXX XXXX  and XXXX/XXXX  play with my consumer file as if I am an adolescent there is either additional erroneous conflicting information added and/or updated for dispute than they will update each credit XXXX XXXX XXXX and XXXX/XXXX one day apart either 2 or 3 times each month to stagnate my credit lowering the 100 points XX/XX/XXXX to present for accounts either settled or closed
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I have a bank of america credit card. In XX/XX/XXXX the minimum payment changed. I was enrolled in an automatic bill pay. The automatic payment amount was not changed to reflect the higher minimum. The payment was credited as late, and a late charge applied. This happened until XXXX of XXXX. At such time i became aware of this. ( no attempt to contact me about his problem was made ). In XXXX i believed this was taken care of. I spoke to them, they adjusted my account and the guy told me my payment was straitened out. 

today,XX/XX/2018 i find out that in fact the exact same thing has been happening since XXXX of last year. The guy i spoke to in fact did not fix my payment methods and although the minimum at the time was lower so that the amount my account was set to pay was sufficient for XXXX, it then back higher and again i began accruing late fees. I contacted them and they refunded some ( but not all ) of the fee, but they then told me i had make changes to my account via web page in order to get the account to where it would make a minimum payment every month, regardless of amount. 

The process is unnecessarily onerous and complicated. As someone with experience designing and creating websites and bill payment systems theirs is overly convoluted. After 18 months and 2 lengthy attempts at contacting them, my account is still not set up to make a recurring minimum payment every month. However only after my second interaction am I left with the knowledge this is not the case. 

As a credit card consumer, their process is so vastly different and outside the normal experience ( regarding setting up a payment for the minimum amount every month, i can only conclude that this is deliberately difficult in order to confuse consumers about the state of their account. 

These practices are at best indicative of inapt user experience planning, but more like a result of deliberate and intentionally deceptive design.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I went on a Saturday XX/XX/XXXX on Chase branch on XXXX XXXX XXXX  XXXX XXXX in XXXX to open a prepaid card, the guy was super nice and asked for my documents and I provided him with 2 IDs and proof of address and I left the bank with my prepaid card, I deposited money in the bank  and was using my card normally over the weekend a few cash deposits a few debit transactions, Going thru the online banking, I saw a good deal to open a checking account so I did open online a checking and savings account on Saturday night, and kept using the accounts normally on Monday morning I woke up whe I got to work my online banking was locked, I called chase and the lady said that the account was suspended all I had to do is stop at a chase branch with my ID and they would close my account and open new accounts, on the next day I went to chase bank by my house in front of XXXX hospital the lady at the bank ask for my ID and I give her the ID and she start to make a phone call and she put me on the with someone that told me Chase was ending the relationship with me and I could no longer have chase accounts, and I ask why all they say was because of transactions on my checking account, I though with myself but Isnt that what checking account are for? And the transactions was about 4 debit card transactions and 3 Cash deposits, wich left me a balance of {$40.00} approximately the lady that was speaking to me was extremely rude, she said that I owed the bank money because there was a few transactions that had not going thru including a deposit of {$100.00} that my BF sent me thru his chase account, I mean if didnt go thru how it shows up on my account, she wanted me to pay chase right away, I said that I wasnt going to pay anything because the money was debit to my bf account and she made me going they this embarrassent of asking my bf to call the bank and she really was treating me like she was superior or something! I never felt more humiliated in my whole life, she was really desrespectfull, and today I got a letter I. Mail says that the accounts were closed because of suspicious transactions or I didnt provided the documents they asked!! I was like! Really? Because of what transaction? XXXX MTA? They just lied straight to my face! And treated me like I had a really contagious disease, I think is not right!
Consumer complaint received 2018-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OR)

Received email notification on XX/XX/XXXX from XXXX XXXX that there was a change to my credit report. I checked the details and found a collection had been added to my credit report. The company is XXXX XXXX XXXX, out of XXXX. XXXX, MN. I called several times, the hours are limited to contact someone at their business. I wrote a letter and requested details because all the details I had on my credit report was " XXXX XXXX XXXX ''. I called XXXX received XXXX help ( see attachments, letter from XXXX ). I visited my local XXXX to try and investigate this issue, no records. They said they sent my debt to XXXX XXXX. I wrote a letter to the Attorney General of Minnesota with the details ( XXXX is a MN business ). I have attached all letters with the details. I called XXXX XXXX early this morning ( XX/XX/XXXX ) and finally got ahold of someone who could explain. I don't even have an account number ( XXXX ) I can refer to so this could be researched. Apparently Attorney General of Minnesota had reached out to XXXX XXXX XXXX to get details and got this moving along. According to the two individuals I spoke with at XXXX XXXX ( XXXX and XXXX ) today ( XX/XX/XXXX )  they are sending a manual request to the three bureaus to remove this from my credit report. That's great but in the meantime qualifying for a home equity loan has been denied because of this. Received no notification, no letter, no phone call, nothing to give me advance notice of this collection, XXXX just attached it to my credit report! My issue is now with XXXX because they either sold this alleged debt to XXXX XXXX or XXXX XXXX purchased " old '' debt from XXXX and attempted to collect their share. This was for {$85.00}!!! I have attached a letter from XXXX which is the most unhelpful piece of correspondence. XXXX needs to investigate this and remove me from their database. This alleged debt is for a debit card and the date was XX/XX/XXXX. I still do not have the details. Any help you can provide would be most helpful. In the meantime I am closing all of my XXXX credit card accounts ( zero balances by the way, have been excellent customer of XXXX ). The debit card was never used and don't understand why it would have a {$85.00} balance from XX/XX/XXXX.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Hello, I've tried to dispute a XXXX XXXX collection item with Portfolio Recovery Associates through the BBB. As they are reporting as a Factoring Company. I've attached the response from Portfolio Recovery Associates where they state that they are not a Factoring Company and do not report or consider themselves such. PRA requested a copy of my credit report in order to verify/rectify the issue and I sent it as requested. The account was also Settled In Full and closed however it is not reporting as such. Today XX/XX/18 I received a letter from PRA stating that my  complaint has been resolved and any future complaints would be ignored however the issues are still outstanding and negatively impacting my credit. Any assistance would be greatly appreciated. Thank you.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks
Consumer complaint received 2018-02-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

A couple of years ago ( about XXXX ), I took out a {$300.00} payday loan with XXXX XXXX, in XXXX County, California. I intended to pay it off but forgot about it, when I moved to XXXX, California, to rent a room from my Sister in XXXX, California. A while back, I received e-mails from XXXX XXXX XXXX and XXXX XXXX demanding payment of {$400.00}. As background, I am XXXX XXXX XXXX, and about XXXX, I became a victim of identity fraud when I got a phone call at my workplace, with the caller stating I owed them {$500.00} and if I didn't pay this amount immediately, using a card purchased at XXXX, the caller 's company would sue me in a court action, and I mostly likely would lose my job. This phone call frightened me and I did as instructed, bought the card and loaded {$500.00} onto it, and sent the payment. After I had completed this payment, I spoke about it with the California Attorney General 's Fraud Unit on the phone and that representative told me there was no way to trace the payment and I was out the money. They also told me it was probably a scam, and I should never send funds this way. With regard to my current situation, I have responded to the loan company, ACE, but they insist that I buy an XXXX card, load {$400.00} onto it and send the funds this way to ACE. I am wary of sending payment via an XXXX  card because around XXXX XXXX, a local tv channel news item told the viewer not to use an XXXX   card for payment, they were a scam. Also, I am leery of sending funds to the e-mail ACE because of the bad English grammar, in their email, which is another sign it might be a scam. So, today I sent another e-mail ( we have been going round and round about this payment ) to ACE, XXXX XXXX, advising him I want to make a traceable payment to resolve my debt of {$400.00} but he insisted in his e-mail I need to use the XXXX payment process, which is different from the e-mail I got from XXXX XXXX XXXX of ACE, who told me to pay using a XXXX and they would send me the correct instructions to make this payment, but XXXX XXXX stated in his e-mail, I can only use the XXXX  method. Hence, my contact with your office. I need correct information ( perhaps a legal corporate service of process address for XXXX XXXX ) to send the {$400.00} to ACE and resolve this matter. Today, I spoke on the phone with XXXX of your staff and he tried to get a good mailing address for XXXX XXXX, but he couldn't. I think I'll look at the California Department of Corporations listing and see if I can find an XXXX XXXX service of process address.
Consumer complaint received 2018-02-06
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 (GA)

On XX/XX/XXXX, I stayed at the XXXX XXXX XXXX in XXXX, OH. I paid through XXXX. When I checked in, I was told that I was paid in full and that they just needed a credit card on file. I checked out 3 hours later for an early morning flight and was told by front desk that I was " good to go. '' I later noticed that I was charged {$78.00} by XXXX and {$62.00} by XXXX XXXX. I tried contacting the hotel 3 times with no one answering the phone. In XX/XX/XXXX, I disputed the charge with Capital One online and over the phone. On XX/XX/XXXX, the charged was rebilled to my account. I called on XX/XX/XXXX and was told they had sent a letter on XX/XX/XXXX saying they needed more information but had received no response. I never received the letter. The agent told me that I could have emailed in the XXXX email that I have saying that I had paid my bill in full if I had sent it before the dispute was closed. When I initially disputed the charge, I asked to email in the document and was told that I couldn't do that. Capital One told me that because the dispute was closed because of my inaction there was nothing to be done. They never emailed or called me to see if I had received the letter before closing the dispute.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (KS)

On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a Visa card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a Sears/Citibank account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact Sears/Citibank. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a XXXX loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from Sears/CBNA in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted Sears/CNBA to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks
Consumer complaint received 2018-02-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l. (TX)

I have a second mortgage loan that was charged off in 2009 in the amount of {$29000.00}. At the onset the loan was owned by XXXX XXXX whom I modified the loan with. Due to the charge off portion of the loan, XXXX maintains a lien on the property. I contacted XXXX to settle the debt through the sale of the property. XXXX informs me that they have sent the loan to XXXX XXXX XXXX XXXX who now tells me that they have sent the loan to XXXX XXXX XXXX for servicing. XXXX informs me that the debt is now {$45000.00} to settle. There has been n o explanation of any escalation in charges and the companies are now blocking the sale of the property to see my bank records, tax statements ect. I am trying to settle the debt in full and need to see the escalation in charges and neither of the companies are cooperating. Even attempting to settle at the inflated amount, the companies are not cooperating without wanting to see all of my personal information. Neither company has validated the debt after I sent letters to each of them requesting a validation.