davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX, I was surprised to discover that Apple Card had decreased my credit limit without any prior notice. The company insist I was notified by email prior but as of XX/XX/XXXX I have still yet to receive any correspondence from Apple Card. I have requested the company submit documentation verifying prior notice was communicated which they have refused. In speaking with a Apple Card Specialist I was advised this action was taken in response to a charged-off account that was reported to XXXX on XX/XX/XXXX. I want to emphasize that I have maintained a strong payment history with Apple Card, never missing payments, and consistently paying more than my minimum required balance. 

The sudden reduction in my credit limit not only caught me off guard but has also posed financial challenges. This reduction could potentially lead to an increase in my credit utilization, which, in turn, may adversely affect my credit score. The domino effect of a lower credit score could lead other lenders to perceive an increased risk and subsequently lower the limits on my other credit cards. This situation is a cause for concern as it can have lasting consequences on my financial health.
Consumer complaint received 2023-10-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Hello, I am the victim of the identity thef. The thief used my social security number to rent the apartment at XXXX XXXX under XXXX XXXX. First of all, this XXXX is not my name on my SS # So how come they link my ss # with a different name and they don't do background check? This is not my fault in anyway at the beginning, but now I am the one to go back and prove I am not the one live there since the apartment manager didn't do throughoutly background check with name don't match with SS #?
Consumer complaint received 2024-04-12
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: Newport Intermediate Inc. (TX)

XXXX internet in Texas. 
After cancelling the service, they refund any balance ( {$50.00} ) in the form of a XXXX XXXX card. The card expired after 6 months ( XX/XX/year> ) This practice should not be allowed, just send me a check. 

The paper work says that if the card was never activated then I can call up to 5 years to request a replacement. 
The card is managed by North Lane Technologies and they provide a phone number XXXX. 

However the system is not recognizing the card # and the phone system is completely automated and there is no way to speak to an actual person. 
So I'm stuck and they still have my {$50.00}.
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (VA)

I was shocked to find out that my loans were transferred to Nelnet without any prior notice, and I only learned about it when I received their bill. To make matters worse, they had combined three loans, including two belonging to my XXXX children who were already in the repayment phase, into one bill, and I was charged {$490.00} for it. The statement was dated XX/XX/2023. When I called them to get more information, I was told to try back later as the hold time was over 30 minutes. Also, an hour before closing time, all calls were cut off. Online, when I attempted to check my account, there is either no phone number or a phone number that does not belong to me associated with my account, preventing access to account online. When I tried to contact their IT department, I was put on hold for 30 minutes and then disconnected. The live chat online was also unhelpful, redirecting me to a page with the same phone number and wait times of over 30 minutes. I need Nelnet to provide me with an explanation of the loans they are billing me for, the phone number associated with my account, and a possible correction, as I have never paid {$490.00} for a student loan payment before.
Consumer complaint received 2024-04-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: JPMORGAN CHASE & CO. (PA)

I was told at XXXX that I had to pay off the entire vehicle to get it back. I spoke with XXXX ID # XXXX. 
I asked how much was due? No answer, stated I had to wait til monday for pay out amount. 
I asked what was the past due amount? {$1200.00} I asked when was the last payment received? XX/XX/XXXX I asked when was the next payment expected. No answer, stated there wasnt one expected I asked when was I notified that the car was being repossessed? No answer. Stated I was sent a letter of my account in default XX/XX/XXXX and I had to pay by XX/XX/XXXX before it goes to repo status. 
BY LAW 1-2 BILLING CYCLES ARE REQUIRED BEFORE REPOSSESSION. ( SECTION XXXX ) XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

I asked who was the entity holding creditor rights at the TIME of repossession? 
XXXX stated that I am listed as holder of retail installment contract. 

XXXX ( XXXX ) stated CHASE is listed as entity of holder of vehicle. 

At this time CHASE is responsible for CONVERSION Conversion is an intentional tort which occurs when a party takes the chattel property of another with the intent to deprive them of it UNDER 18 USC 242 that is a crime. 

PLEASE SEND PROOF OF DOCUMENTS THAT ( CHASE ) HAS CREDITOR RIGHTS TO XXXX  XXXX XXXX ON RETAIL INSTALLMENT CONTRACT.
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

2 online payment made with Citibank app to XXXX Credit Card owned by XXXX Bank {$110.00} on XX/XX/ {$900.00} onXX/XX/XXXXXX/XX/2023 I Forwarded all info that Citibank provided me to XXXX Bank their investigation found that XXXX Bank did not cash the checks. This has been going back and forth with Citibank and XXXX Bank for about 8 months.
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Receivables Fund Incorporated (NY)

Unifund CCR Partners allege that I owe XXXX from over 20 years ago, though XXXX has never had an account in my name ... Ever. XXXX NEVER contacted me and one would think that for this amount of money, they would have. Now that I am trying to sell our home, all of a sudden I have a judgement against me blocking the sale. They can not, or will not, produce a single piece of evidence regarding their allegations. No contracts, no signatures, no receipts. Somehow they managed to have a court approve a judgement without any proof twenty years ago. I was never served any papers, nor contacted in any form. I have bought and sold threXXXX houses, qualified for mortgages, secured auto loans, etc. Never once in that time has anything appeared on my credit reports. Unifund CCR has an unfortunate reputation of conducting this type of nefarious unprofessional business. We need to sell our family home and move. I take care of my special needs younger brother, and I am partially physically XXXX. This is unconscionable to allow this sort of unethical behavior to prevail. Show proof, or drop this matter now. 
P.S. In yesterday 's mail, I received an offer from XXXX to open an account, and they will pay me {$200.00} - {$2000.00}. Does that sound as if I owed them money?
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

Had a Chase Sapphire Reserve card with {$550.00} annual fee. Called to close the account in XXXX. Life goes on. This month in XXXX, I saw a balance of {$550.00} and was shocked to realize that Chase has been charging me {$550.00} annual fee for 3 years without a single inactivity since XXXXXXXX The total fee accessed post my phone call to close the account in XXXX is {$1500.00}. It would amount to {$2100.00} if I didn't happen to check in an XXXX. They have since closed the account but refused to refund the fees. 

I checked my online bank only periodically and have autopay set up for this card. The fee is accessed in XXXX and there is no paper statement. Chase kept all closed accounts also visible for online banking, which is very confusing. If I don't check in an XXXX, I see {$0.00} balance and didn't know this card is still open. 

In my opinion, this is borderlining predatory lending. For such a high fee to be charged repeatedly without not a simple activity year after year. What is the possible reason for customers to be willing to pay the fee with usage of any benefits? Clearly customers do not know they still have the card. They decided to leave the account open so that they can continue to charge fees. Called Chase and they told me there is nothing they can do to waive these fees. 

There is also an inconsistency in their policy. I have a different Chase card with {$95.00} annual fee and that account is closed after 12 months of inactivity, which is the responsible way of handling these situations. 

Would like to make a complaint. With Biden administration doing the right thing cracking down junk fees & predatory fee practices, this is a good example of a large bank exploiting customers of {$1500.00} in fees! And being inconsistent in their fee policy. 

Please let me know if there is anything I can do to get the charged fees back. In this economy, certainly need it back to make ends meet. 

Thank you.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NV)

I deposited {$4000.00} in a savings account. 

The available balance was {$150.00} so I transferred the {$150.00} to checking the saving account then showed a negative XXXX balance I went to the XXXX XXXX  Truist branch and talked with the Vice President. 
He had no clue other than the {$150.00} was not really available even though it showed it was available it was the ledger balance- but even so if you have an available balance on your deposit ticket it should be there- people like me look at that and use that. 
The deposit ticket does not have a ledger balance notation or amount- this information would have been helpful. 
Also the ATM card was not linked until yesterday when I had to scream the the foreign customer service people. I activated the account weeks ago and had issues with POS transactions as they were declining and the card would not let me deposit funds into the checking account this is why I had to put it into savings. The bank has been very unhelpful in this matter and needs to pay me compensation for this matter and needs to put policy and procedures also the Vice President of the XXXXXXXX XXXX Branch needs to be better trained other than stating that this are being investigated by XXXX XXXX he did not even though whom she was other than looking at the notes.
Consumer complaint received 2024-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: AppFolio, Inc. (VA)

AppFolio requires consent to their terms and conditions in order to use their payment services ( which are required by our property management company ). Please note that this service is just to recieve our rental funds from the company. This is the concerning paragraph from their terms and conditions : " You further direct and authorize us to obtain from any law enforcement agency, present or past employer or supervisor, landlord ( as allowed by law ), finance bureau/office , credit bureau , collection agency , college, university or other institute of learning or certification, private business, military branch or the national personnel records center , personal reference and/or other persons, and authorize these entities to give records or information that they may have concerning your status as a registered XXXX XXXX  ( as allowed by law ), criminal history ( as allowed by law ), motor vehicle/driving history, earnings history, credit history, character, general reputation, personal characteristics, mode of living, employment records, record of attendance and earned degrees or certificates, or any other information requested, whether the said records are private or public, and including those which may be deemed to be privileged or confidential in nature. Preparation of all consumer reports and investigative consumer reports will follow applicable federal, state, and local laws and regulations. '' Is this legal? Seems like it permits them to collect any data they want. How many consumers are really reading this before signing just so they can pay/collect rent?
Consumer complaint received 2023-10-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (IN)

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK (MO)

On XX/XX/. I called discover and spoke to a customer service agent about going on a potential payment plan since I was a month behind because I'm a college student who works part time and has no extra money to pay off the outstanding debt. The agent then proceeded to put me on a {$68.00} dollar a month with lower APR for 12 months and issue a {$100.00} statement credit towards my balance to help get back to good standing again. The agent then proceeded to put me on hold while doing this and the system went down at around that time. I was also asked to schedule 3 automatic payments for the upcoming months to have the payment plan effective. After several months and paying what was required at the time, I recieved a letter stating my account is heading to default and missed 3 payments since XX/XX/. I have reached out on XX/XX/XXXX over the letter and the agent was rude and told me no payment plan was established and then proceeded to ask for the money and refused to talk to a supervisor. I then proceeded to call today, XX/XX/XXXX about this issue and I was told they can not because they are short staffed and very busy. I have asked for a supervisor but I was placed on hold and never heard anything back. They claim no record was shown and I have to pay them {$300.00} to get back in good standing but unfortunately I don't have that money to send them to get back on good standing. I'm a college student who used to discover to help pay for college and expenses for everyday needs as my job was reducing hours because of slow season and everything. I have been trying and I have been paying them with what the original agent has placed me on.
Consumer complaint received 2023-10-20
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. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I want all hard inquiries removed immediately from my credit report via 15 usc 1681 a2 b Any authorization or approval of a specifich extension of credit directly or indirectly by the iddue of a credit card or similar devices to be excluded from.