davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grain Technology, Inc. (NC)

I've attempted to reach out to Grain on several occasions to have them provide accurate information on my credit report. However, when I pulled my credit report I can see Grain has verified the inaccurate information and continue to report while still attempting to collect on the unverified data. From the attached credit report you can see discrepancies across all three bureaus, XXXX, XXXX, and XXXX. Inaccurate information includes : High Balance Last Verified Date of Last Activity Date Reported Date Opened Closed Date Last Payment Past Due Amount Credit Limit I've attempted to rectify this issue with Grain to no resolve. This is in violation of U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information. For this reason I request Grain remove this record from my credit file. This inaccurate data has damaged my credit profile.
Consumer complaint received 2024-02-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XXXX the XXXX 2023 I ordered 2 leather women 's purses from Kohl 's department store online. 

Both of the items was charged to my KohlsCharge account ending in XXXX. 

The first amount charged to my account was A {$120.00}. For a women 's black leather handbag. 

The second amount charged to my account was. A {$150.00}. For a women 's red leather handbag. 

Unfortunately, when the items arrive, they were damaged within 5 to 7 business days. The merchandise was returned to my local Kohls, department store in XXXX, California. 

Kohl 's refused to give me my entire credit. 

I have spoken to the corporate offer several times I have spoken to my local clothes. Department store several times What I have been informed each and every time because the merchandise was on sale. And the cold cash dollars was used. I have to pay for the cash dollars that was used. 

My question to everyone that I have spoken to is if I have kept the merchandise. What would I have to pay for? 

What amount would be charged to my credit card? 
Apparently when Kohl 's allows the customer to use the cash dollars that you have on your account. Due to prior purchases, you build cash dollars. They're apparently upset when the merchandise is returned. So they're charging you the cash dollar fee and not giving the customer the entire credit amount that was charged originally to the credit card. 

I filed a complaintwith the complaint resolution department and disputed the charges. That have appeared on my call statement. Those charges are basically a return fee or a stocking fee for the items. Return back to the department store. 

Due to this ongoing unfair dispute, kohls has reported a negative reporting for my credit bureau. Reports have called me Repeatedly harassing me. 
And has emailed me with a fraudulent statement indicating that I try to access my account online. I've never access my account online. It's going harassment.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (GA)

On XX/XX/2024 i open a saving account with UFB Direct a product of AXOS BANK. On XX/XX/XXXX i scheduled an external transfer from XXXX XXXX into my UFB direct account using the UFB direct banking app. On XX/XX/scrub>XX/XX/2024 the funds were transferred and cleared. I thought everything was well and all and suddenly on XX/XX/XXXX at XXXX i received an email that Axos Bank has decided to end our banking relationship and has denied me access to my account. On the day of XX/XX/XXXX i called UFB direct to discuss that was the next step after getting my account closed down without notice and was told by the representative that my funds will be issued via check and send to the mail address in file with 7-10 business days. Now today is XX/XX/2024 well over 10 days and they still havent granted me access to my account nor have send my funds via check. I called today XXXX and after a frustrating conversation with the agent that couldnt help i get an email stating that it will be now 60days. Its outrageous that funds were taken out from my other account within a day and now i have to wait over 60days to retrieve my hard earned money.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (MS)

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 items 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 items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$53000.00}, XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (IL)

Midland Mortgage/Midfirst Bank has been harassing me and attempting to foreclose and put me and my children out. They have taken me to the XXXX XXXX XXXX XXXX where they and their attorney are attempting to foreclose on a property that is fully paid and Satisfied since 2005. 

I am A Natural Being. And I produced the Satisfaction of Mortgage to their attorney to prove that there was no debt and they should not have billed me for a property that has been paid in full since 2005. They continued to harass and threatened to foreclose on my property. They are attempting to commit theft by using their illegal acts in law to steal the property that I own. 

MidFirst Bank and their Attorney XXXX XXXX XXXX have violated the UCC laws ; TILA, and Mortgage Act. They need to be held accountable for consumer fraud.
Consumer complaint received 2023-03-17
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$100.00}
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (LA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (CT)

Ed financial has been harassing me for years about a parent plus loan. I'm embarrassed to admit that although I knew I didn't take out a loan I let them XXXX me into believing I did. I finally verified it isn't my loan. They accidentally sent me a copy showing someone else was the endorser ( took out the loan ) a phone call to Ed financial confirmed this isn't my loan. Said they'd send some form to get my info off of it. Never did. Subsequent follow ups ignored. If I hadn't seen that last detailed application I would have believed I forgot and it was my loan and would have worked out paying it. I can't afford it and it's been a huge stress. How could this have happened that I was targeted to pay for this loan I have nothing to do with? My XXXX  father in law was also contacted and didn't understand and made some payments. I'm livid
Consumer complaint received 2024-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions LLC (SC)

Receivable- Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Receivable-Solutions, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Receivable- Solutions has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Receivable Solutions promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Receivable Solutions to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Receivable Solutions , as provided under Section 616 of the FCRA.

Done in good faith.
Consumer complaint received 2024-02-13
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: AMERICAN EXPRESS COMPANY (CA)

I logged into the American Express website as an existing card holder and was offered a bonus offer of XXXX points if I applied for the XXXX XXXX. I have never had the XXXX XXXX before, and I was excited about the generous welcome offer. I signed up for the card, met the minimum spend of {$8000.00} in short order. When the bonus wasn't posted, I reached out to American Express. They informed me that the bonus had in fact been denied. They stated that I must have been shown a pop-up window indicating that the bonus was denied during the application process. In fact, I was never shown any such pop-up window. If I had been, I never would have proceeded with the application. The whole reason I applied for the card was the XXXX point bonus offer. I appealed to American Express internally and they informed me that the bonus had been denied. They offered no reason for the denial, and no evidence that the bonus had been denied at any point. I feel like I was subject to a bait and switch, and it has been extremely frustrating.
Consumer complaint received 2024-02-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PNC Bank N.A. (FL)

XXXX who funds the morgage? 

XXXX I fund the morgage. 

XXXX I am the creditor when I create the note. 

XXXX The whole world operates under double entry book keeping. The double book keeping system for every entry we have a debit and a credit of equal value. Every transaction is required to have a debtor and creditor to balance it out. The asset on the books has a equal liability. The morgagey takes the position as the creditor by issuing me a check. The bank never told me that I was the one who funded that check by issuing me the credit thru the note in the first place. The bank is hiding that part of the transaction from me. I was paying as the debtor that side of the transaction. I am not receiving as the creditor this is not a fully functioning bookkeeping system operations. We need to correct that. Unfortunately we signed a agreement to make payments on the surface is a contract .Sounds like fraud to me. The contract was based on fraud so its null and void. The note that I created when I signed the note for the mortgage created funds on a ledger in an account. I am going to liquidate this account. I am the creditor not you. I need to receive the compensation for that. I received the loan but I did not get the money for the credit that I issued. This process has tax issues like tax publications 334 which is tax guide for small businesses I am looked at as a sole proprietor by the Irs in this business that I created. The business I created was I issued credits and I should be receiving payments. Title 26 usc 671-679 grantors and others who were treated as owners. This is based on law and tax policies by the Irs. I am the owner of the note in docourse and I am claiming my asset. I can also do a ucc 11 search.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (PA)

Subject : Cease Unauthorized Credit Reporting per XXXX FCRA Identity Theft Fraud Laws Dear American Express, I write to address a grave violation concerning the unauthorized reporting of information to my credit report, in contravention of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX XXXX identity theft laws, particularly under XXXX  Consolidated Statutes Title XXXX Section XXXX. 

It has come to my attention that American Express has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stipulated in the FCRA, unequivocally requires the consent of the consumer for such reporting activities under Section 1681b ( a ) ( 2 ). 

Furthermore, XXXX  state law, specifically XXXX Consolidated Statutes Title 18 Section 4107, emphasizes the necessity of consumer consent for credit reporting. This statute underscores the severity of unauthorized access and misuse of personal information, highlighting the stringent measures in place to protect consumers from identity theft and fraud. 

I assert unequivocally that I have not provided consent for American Express to report any information to my credit report. This clear lack of explicit permission constitutes a flagrant violation of my rights, potentially resulting in damage to my creditworthiness and a blatant disregard for federal and state laws. 

I demand, with absolute certainty, that American Express immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvania law under Title 18 Section 4107. Failure to comply within the stipulated 30XXXXday timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including XXXX XXXX identity theft laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Pennsylvania law. This is not negotiable ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect American Express to promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information Former : XXXX XXXX Also Known As : XXXX XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX Address ( es XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Previous Address ( XXXX ) XXXX XXXX XXXX XXXX AV XXXXXXXX XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

I noticed on my credit statements there are 4 different interest coming out of my payments. 1, Standard Purchase ( I understand ), 2 Purchase prior to XX/XX/XXXX, 3. Purchase prior to XX/XX/XXXX, 4. Purchase prior to XX/XX/XXXX ( 2 of these each with an amount ), 5. Purchase prior to XX/XX/XXXX. Some of the APR 's are 17.49 %, 2 are 12.49 % which I was told was grandfathered in. I made an XXXX sheet going back to to the statement of XX/XX/XXXX to XX/XX/XXXX. On the interest that goes back to # 's 4 & 5, it show the interest going down after each payment, then the next payment the interest due increases. This makes no sense to me. On my last statement the interest for example # 3 was {$1.00}, but when I got my statement this week it was {$1.00}. I understand it isn't much but doesn't make sense to me. I called Citi Bank 3 times, and could not get an answer that made any sense to me. I aske to speak to a supervisor, a person got on the phone, but still did not answer my question. I asked to speak to someone that is over her. She asked me if it was her accent why I couldn't understand her. I told her no. She had nothing more to say. I told her I would get an answer some other way. My question is why are there 2 different Interest amounts that I am being charged for XX/XX/XXXX, is the interest prior to XX/XX/XXXX just from XX/XX/XXXX XXXX? Thank you for your attention in this matter.
Consumer complaint received 2024-02-11
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

The first four payments I did them over the phone. They were four different numbers and I got suspicious because fraud happens.

I ask them for my account information so I could make the payments on the internet and they always refuse to give me the information.

Then I refuse to give my information to strange numbers and stop making payments.

This happened many times, and to this day they still refuse to give me my information. My balance in the account is now bigger than the original balance.

Is this on purpose?