davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance XXXX, XXXXXXXX XXXX XXXX balance {$0.00}
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

On or about XXXX/XXXX/15, I noticed a pending charge on my American Express card that I did not make. AMEX gives the consumer the option to 'mark ' a pending charge to be watched. My note indicated that the charge was fraudulent. Once it posted, I again, contacted AMEX to tell them about the fraudulent charge. They told me that I was n't responsible for the charge. I spoke to another person in the fraud department earlier this week, who assured me that once my billing period closed, the charge would be removed. Not only did they not do as they said they would do, but I just received my XXXX statement and the charge is still there. AMEX refuses to listen to the consumer and is deceptively telling them they are n't responsible for the charges. Because this charge is for a merchant that many people do business with ( XXXX ), many people may overlook it when someone fraudulently compromises their credit card. 

AMEX uses unfair and deceptive practices when they REFUSE to remove a charge that the consumer says is fraudulent. I 've marked the charge for inquiry, disputed the charge, all to no avail. I 've even told them I would file this complaint if they did n't remove the charge. They are either incompetent or are so arrogant to think the consumer is an idiot and will just pay the bill.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX BALANCED {$150.00} XXXX  XXXX BALANCED {$0.00} XXXX XX/XX/year>
Consumer complaint received 2015-07-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NY)

Have had TD Bank XXXX checking for XXXX years maybe XXXX from XX/XX/XXXX til XX/XX/XXXX. What made me breakup my relationship with them is that, usually when I deposit a check, I have either 50 to 70 % of that paycheck available and onetime I when to buy transit fare, they charged me for overdraft despite the money was there and available, this continued XXXX or XXXX more times without my balance ever dropping to {$0.00} balance. The fee 's would multiply and pop-up and cleaning me out. So I tried cutting my ties and these ridiculous penalties they pressed upon popped up and I was n't happy and just opened another account with a local bank. They closed my account after a week or XXXX without me being able to settle and I was reported to XXXX. I settled my balance with them after a month but I can not open any new accounts, not even with my wife 's name attached as a joint holder. I just moved and my current bank is nowhere near my home and i have to spend either XXXX minutes to an hour after my XXXX shift to deposit or withdraw funds or wait til I 'm visiting my sister 's home and making a quick stop to check my account.
Consumer complaint received 2015-07-11
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc (NJ)

Pay pal cut off my debit card without a text or a phone call or permission. 

Leaving me without access to my money, having ordered food. Transferred me several times, dumping me XXXX back out to a call in system, gave me XXXX telephone numbers, stating, " XXXX of these '' should work, and neither of them did. 
Kept me on hold for an hour, As it so happened, I had n't yet updated my address, so Paypal sent a card to my old address. 

Yes I had a dispute with a retailer but noNow, I notified them about a dispute with an XXXX purchase, who resolved the dispute with me. I specifically checked the box which said the card was still in my possession, and at no time was I notified that by filling out that form that my card was going to be cut off. 
I did find that they had sent an " a new card is on the way '' but nothing stating my card was cut off.
Consumer complaint received 2016-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I periodically monitor my credit report activity and I notice XXXX XXXX listed on my Trans- union report. I have disputed this item on several occasions but the debt collector appears to sell this account. On XX/XX/XXXX a company named XXXX XXXX attempted to collect {$540.00} for XXXX, On XXXX/XXXX/XXXX XXXX, {$430.00}, on XXXX/XXXX/XXXX XXXX {$430.00} Too many times have these companies have showed up on my report. I have sent them a validations letter they remove account and later put it back onto report.
Consumer complaint received 2024-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NH)

Hi, Im still paying on a federal student loans to Navient. I was unaware there was a settlement and now they are banned from servicing student loans. 

Does my loan suppose to cancel out or do I still continue to pay? 

Thank you
Consumer complaint received 2024-10-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (NY)

Company MRS BPO LLC IS A BANNED COLLECTION AGENCY ON GOVERNMENT LIST ONLINE. They are trying to collect on an old phone account that I paid of before they even released my phone number I had to pay and called company they even stated I paid. They need to stop trying to collect and not put on my credit
Consumer complaint received 2015-07-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I have been a victim of an atm scam and Santander bank will not provide me aresolution. I noticed XXXX separate cash atm withdrawls by viewing my online account at Santander on XXXX XXXX. The XXXX amounts were XXXX, and then XXXX additional charges for XXXX. Upon reviewing these I called the bank immediately to inquire ; as I knew I did not deduct these funds. They told me I would need to wait a few days as they were in pending status. Upon clearing, I followed up by filing a claim and gave the details. Atm cash withdrawals on my account that I did not make, however, I had my card in my possession. I waited the XXXX days for them to complete the investigation and the claim was denied with the reasoning that I had the card, there were no incorrect pin attempts and the transactions were done in the city I work. I told them this was not acceptable, wanted to see the tapes, and they had it done any adequate due diligence. At this point I call them every day to speak with someone to help and they just put me in a que and say someone with call me back - I have yet to hear from anyone. I started another investigation but due to the lack of due diligence I do n't foresee the outcome changing. This can not be okay - I have done some initial research and know that they are in violation of XXXX XXXX I am asking for your help and how I can get a proper resolution to these charges I did not make.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (FL)

Dear CFPB, I am writing to formally request an investigation into U.S. Bank 's handling of its XXXX XXXX, which I believe may constitute a case of fraudulent bait and switch.

U.S. Bank advertises the XXXX XXXX as a payment option that allows customers to divide eligible credit card purchases into equal monthly payments without interest, subject to a fixed monthly fee. If a credit card account is eligible, U.S. Bank informs customers via email or displays the option when viewing their card account details or eligible transactions online. 

I have experienced an issue with this program concerning two identical charges from the same service provider. The first charge, for {$2000.00} on XX/XX/year>, was eligible for the XXXX option, and I was able to set up a plan without any issues. However, the second charge of {$2000.00}, dated XX/XX/year> for the same type of service, was falsely indicated as eligible for XXXX on my account dashboard. After selecting the option and proceeding through the prompts to choose the monthly payment amount and term, I received an error message stating that my account was ineligible for XXXX. 

On XX/XX/year>, I called U.S. Bank customer service to resolve the issue and was told that a XXXX would contact me. When I followed up on XX/XX/year>, after receiving no response, I was informed that the issue had been escalated. A manager finally called me that evening around XXXX XXXX, only to state that the second transaction was not eligible for XXXX. When I asked why the option was displayed, the manager claimed that receiving the offer does not guarantee eligibility. 

I find this explanation deeply unsatisfactory and misleading. I only used the U.S. Bank card for the second transaction because the XXXX option was clearly presented, and it had worked for an identical transaction just a month prior. By showing the option on my dashboard and then denying its availability after I initiated the process, U.S. Bank created a false expectation. It enticed me to use the card under deceptive pretenses. I now face a 19 % interest rate if the balance is not paid in full by XX/XX/year>. 

I believe this situation amounts to a bait-and-switch, and I request that the CFPB investigate U.S. Bank 's XXXX XXXXXXXX XXXX determine whether this practice violates consumer protection laws. 

Thank you for your attention to this matter. I have attached copies of relevant documentation as evidence.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2015-07-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IA)

The incidents have taken place between the dates of XXXX XXXX 2015. We, XXXX XXXX and XXXX XXXX, are jointly filing a complaint against XXXX Wells Fargo Employees:1. XXXX XXXX, NMLSR ID : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXXXXXXXXXX. XXXX XXXX XXXX. XXXX XXXX XXXX listed employees were fraudulently involved with knowing and/or opening an unwanted line of credit by accessing XXXX 's social security number. Furthermore, when closing all accounts from Wells Fargo, we learned not all accounts were properly closed therefore altering the amount the home loan lent to us.
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (IL)

XXXX American Express credit cards are the issue : A. Account Ending :XXXX. Account Ending : XXXX. Account Ending XXXX AX never investigated my side of the complaint regarding XXXX. AX even did not review the documents I sent. AX simply just accepted XXXX argument. 
Although I closed the account but AX continues requesting to send them more documents. 
AX did not credit the account with the disputed sum. The day they credit my account AX debited the account the same day. 

B.Account Ending XXXX : A month and a half after filing a dispute I was told that the supplier did not respond and a note will be sent to him. I called again on XXXX/XXXX/2015 to find out that AX lied and the supplier Affordable had sent his answer but AX failed to forward it to me and as a result AX accepted the supplier explanation and closed the dispute without notifying me. In other wards they accepted the supplier explanation without my rebuttal. AX is violating the Fair Credit Act and The Truth in Lending Act at the same time by automatically siding with the supplier although the Card Holder is the one to prevail if AX would review the Card Holder 's explanation of the dispute. 
I am ready to supply all the documents related to my AX XXXX disputes for review by FTC or other government office.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (AR)

I have a Citibank Credit card that offers a price rewind guarantee in which if you purchase a product with the credit card and register it on their website it will track the product to see if there is a lower price. A lower price was found on XXXX of my items and I received a notification email to click this link to request the refund, however when you click on the link there is nowhere to request the refund. I have called multiple times and both times the citibank call agent said they would email me the form to fill out to complete the request within XXXX hours and i still have not received the notification. 

There are XXXX items, XXXX is a TV I purchased and was notified of a {$150.00} refund available and next was a gaming console in which i was notified of a {$49.00} refund available. This price rewind service appears to be a fraud as there is no way to collect the stated refund on the purchase price.
Consumer complaint received 2015-07-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Check Security Associates, LLC (UT)

A company identifying themselves as XXXX XXXX XXXX has been contacting my family members, including the cell phone of my XXXX year old daughter, either speaking to them in person or leaving messages, sometimes as many as XXXX a day to locate me regarding a 'bank issue '. They have provided my family members an account number and told them they will be filing proceedings against me with XXXX XXXX XXXX. The phone number they provide is XXXX. When calling this number back you are sent straight to a recording telling you to enter an extension number with no identifying information and then if you hold there is a message telling you just that you reached the extension number XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681(e)B . I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME.

Account name  XXXX XXXX
Account number   XXXX
Account type   Note Loan
Responsibility  Individual
Date opened   XX/XX/XXXX
Status   Closed. XXXX written off.
Status updated  XX/XX/XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc. (PA)

I am writing to formally request the deletion of closed accounts listed on my credit report due to abusive and unfair practices by the debt collector involved. This collector furnished an account without my consent, despite a legal contract that I did not agree to, as the debt was paid and closed by the buyer. 

Additionally, they failed to adhere to the proper five-step validation procedure mandated by the Fair Debt Collection Practices Act ( FDCPA ), which constitutes a violation of my rights. Under 15 USC 1692, I am entitled to {$1000.00} per violation, and their actions clearly infringe upon these rights. 

I appreciate your prompt attention to this matter and look forward to the swift removal of the erroneous accounts. 

Thank you
Consumer complaint received 2015-07-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (LA)

I applied for this payday loan in XXXX of 2014. I borrowed XXXX. At least I thought this was a payday loan. I told them I received my pension on the first of each month. I have been paying XXXX a month for an entire year. So far I have paid XXXX dollars on this loan with only XXXX going towards paying off the loan. I did not know this when I took out the loan. I am on a fixed income right now and this is destroying me.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I opened a Allegiant credit card through Bank of America on XX/XX/XXXX, XXXX If I spent {$1000.00} in the first 90 days I was supposed to receive {$150.00} in my Allegiant account to use on flights/travel. I spent the {$1000.00} and completely paid of the bill within 90 days. as of XX/XX/year> the points/money are not in my Allegiant account and their reps state that a software update has caused a delay. They were unresponsive when asked when the points would be in my account. I paid a {$59.00} fee for this card and completed the requirements. I would like a refund on the fee or the points to be placed in my account.
Consumer complaint received 2015-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MS)

XXXX continues to show that the account is closed and has no balance or payment history. This account is open, has a balance and is paid XXXX monthly. 
Attached is my verification of mortgage, an account ledger from XXXX and my monthly statement.
Consumer complaint received 2015-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (FL)

Alliance one is continuing to report XXXX different collections that do not belong to me. They continue to ruin my credit. I have continued to dispute the accounts with the credit bureau and they come off but yet Alliance One continues to re report. The accounts are reporting without a social attached to it. There are several XXXX in this household and Alliance one continues to report the account without personal information just name and address. This complaint should serve to alliance one as a debt validation letter and I am requesting the following documents. 

*Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect*Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor*Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes*Provide a copy of an original executed contract that contains my signature, where I agreed to this debt and my personal information where it shows it belongs to me. 

I have sent Alliance Onel several letters certified mail that I have proof for and they continue to ignore my request
Consumer complaint received 2015-07-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

We have no delinquent loans, and our telephone numbers are on the national Do Not Call registry. Despite this, we continue to receive unsolicited and unwanted telephone calls from ( XXXX ) XXXX in XXXX XXXX, XXXX. This number is registered to Portfolio Recovery Associates Group, XXXX XXXX XXXX, XXXX, XXXX XXXX.