davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (DC)

I have been incorrectly charged a purchase interest charge for 13 months straight : XX/XX/XXXX to XX/XX/XXXX. 

I was offered a 0 % promotional APR in XX/XX/XXXX until the billing cycle that ended XX/XX/XXXX. I redeemed the offer only to find out that I am being charged interest anyway. 

I attempted to resolve this issue with Chase several times by phone and through their secure message center, but my request was denied. They insist on considering my promo check as a new purchase. This is outright fraudulent business practice. 

Please see mostly rounded off charges below : XX/XX/XXXX PURCHASE INTEREST CHARGE {$2.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$32.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$39.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$69.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$120.00} Apr XXXX PURCHASE INTEREST CHARGE {$130.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$110.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$110.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$130.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$140.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$140.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$140.00} XX/XX/XXXX PURCHASE INTEREST CHARGE {$140.00} I have attached all relevant documents as well.
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is stating that I missed a payment in the month of XX/XX/2020. And is reporting this late to my credit report. I made 2 payments in XX/XX/2020 after I came out of COVID deferment, that I had set up back in XXXX/XX/XX/2020 when COVID hit, thinking this caught up all my payments. I have had a death in the family, in my country of origin ( XXXX ) due to COVID ; I assisted with a funeral and, when I returned, there was a late pay on Bank of America auto loan on my credit reports. This is daunting, frustrating and out of my control with these people, not forgiving a mistake with a pandemic that was going on last year. I dont understand, how they can not remove a late pay from the credit report, as I have NEVER been late with my credit, with my account and I have advised them, that I can provide proof of all these events. This is unethical business practices as, Ive seen numerous people, have these issues rectified with their creditors. All I am asking is to remove 1 late pay, that was an absolute mistake, with me being out of the country and making the 2 payments on the statement attached. This is absolutely disgusting business practices, that keep people oppressed, when you CANT be forgiven for a mistake. I have spoken with several people and I have no choice but, to contact the CFPB, as a viable entity to address this circumstance. I have called and called, and this falls on deaf ears. Im trying to refinance my home and got a denial behind this cause, of this 1 late pay. I dont understand how a company of this magnitude can not assist their customers, in a time like this where everything is out of our control. I had a PERFECT payment history with these people and they have decided to not assist me with this matter. I hope that with this complaint, we can correct this issue and move forward from this so, that I can lower my mortgage and get a better rate. Im struggling as XXXX  been detrimental to my finances and I need this to be removed, to lower my mortgage. Please CFPB i hope you can be so kind to get to the bottoms of this and, maybe potentially, help these banks change their standards of dealing with their customers, in these difficult times. They have no problem charging interest rates and fees, then also want to prevent you, from being able to obtain better interest rates/loans/etc from elsewhere. This is a not the way business should be conducted. I have seen the majority of other banks, help my friends and family to remove late pays, fees, etc, due to these hard times and the only response for Bank of America is we only report accurate information. You are the Bank of America, and you are supposed to help Americans, not just take from them.
Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (WV)

I received a letter in the mail today, XXXX XXXX, XXXX, from a company called UNIFIN. They are saying I owe a company by the name of Washington XXXX XXXX  {$6300.00}. I looked up XXXX  XXXX and it say they went out of business in XXXX and I never heard of them. This is not my debt, and I don't know how they got my information... ..name and address and are attaching this debt to me. They are giving me 3 options to pay it back, however the debt is not mine. It arrived today and says I would have 45 days from XX/XX/XXXX to take advantage of their payment options. 

I am not contacting them or answering any of their questions on the phone because I know they will want my personal information which I am not providing to them.
Consumer complaint received 2021-07-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

Had XXXX XXXX XXXX pay these Rat Bastards Off, Acceptance Automotive Corporation {$15000.00}, so I instructed XXXX at the XXXX GA XXXXcceptance Automotive office to send me a copy of my Pay-off so I could give it to my Mortgage Processor & Underwriter, for some apparent Reason this must have kick in that XXXX  XXXX  mind set, and to-date I Not received Pay-off documents from her XXXX, nor Acceptance Automotive Corporation as if they are Stopping me. Side Note : Ive spoken with the Georgia Motor Vehicle, Title issue Ok, also Im reaching out to the US AGs office Protection of Senior, and the Georgia Governors office of Consumer Affairs. I like Advocating and Winning. The only thing thats Stopping me is Me, Im Winning $ $ $
Consumer complaint received 2021-07-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (WA)

On XX/XX/XXXX I checked my Schwab Bank account and found a not saying 'CLIENT REQUEST NETCSH '' and my entire balance ( {$47000.00} ) had been deducted from my portfolio on XX/XX/XXXX. I messaged the online service and was told that my account was closed and a check was sent to my address on file. 

I called the bank 's 24/7 hour hotline and was told they had no information but I could call during business hours ( in 2 days ) to speak with the department. I received no email, message or response about such a large and sudden change to my account. I will call when the department opens, but at a minimum this is extremely frustrating that the bank could let something like that happen without any notice.
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NJ)

Twice I have closed my TD account this year. The first time, I was emailed and sent a letter that my checking account was closed only to find out that I had over {$35000.00} in the account. 

I recently closed it again, with another letter stating my account was closed. I also closed my Visa card. I recently moved and asked what was my total charges on the Visa card. I was told that it was around {$12000.00}. I paid the full amount due and cut up the credit card. 

I then find out from TD bank that I still had about {$23000.00} in my checking account and finally spoke with a specialist after I told them that I was filing this report if they did not wire my money into my XXXX XXXX in XXXX XXXX NJ. They wired {$16000.00} into the account the following day so I though that was that. It takes forever to get an associate on the phone and after waiting 1hour and 47 minutes on hold, I hung up. 

What prompted the call last night was an email I received that they are sending my XXXX car payment of {$1200.00} out tomorrow. That was my second notice on that. I tried calling four times and emailed them twice. I am now on hold again at XXXX for 22 minutes. 

This has been notorious behavior by TD bank in this area which is why they are closing at least 16 branches in the area. I had both a business account and a personal account with more that $ XXXX dollars in the two accounts. I couldn't even get {$10000.00} dollars out without waiting nearly a week, and I quote, " for the truck to come. '' Not only that I was told to call first because, and I quote agin, " you never know if the truck might break down. '' This is a known problem with many people I know as well as the constant line of people in the various branches around here. They closed the inside of a local branch on XXXX XXXX and an older man had walked to the bank to get some money out and he couldn't so I gave him money to get a taxi and at the same time another person asked if he could get to " gift cards '' because he couldn't get any of his money out either. 

XXXX XXXX
Consumer complaint received 2021-07-24
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. (CA)

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist.

It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed immediately
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (FL)

This is my 3th complain about Gemini, This Company take my money from my Bank account XXXX USD and don't return, more de two moths they promise to return Now I send copy from my bank transaction and copy from complains more people reviews with the same problem Gemini make Fraud with me and more people here in US
Consumer complaint received 2021-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

I have tried contacting MIdland Credit Management since I was aware of the letter I received, in XXXX XX/XX/2020 i was request to make a payment of at least {$25.00} when I was on a call requesting evidence of an allegedly debt and they still haven't provide any information where according to the FDC. I need these account to be closed and deleted from my credit report, I know is not mine and they havent submit any evidence in over two years If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Consumer complaint received 2021-07-23
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There also several inquiries that I did not run my credit 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 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is for a Capital One/XXXX XXXX XXXX. I last used the card on or about XX/XX/XXXX at XXXX. I must have dropped or left the card behind and someone picked it up. This person then went to XXXX XXXX and XXXX  and over the next few days charged {$5800.00}. on this card. Because I don't use this card every day it took a few days for me to noticed it missing. Before reporting it to CapitalOne, I locked the card. I then checked my account balance at the same time that I was checking my other accounts. This is when I discovered the charges. After several attempts to report as unknown I called, that was on XX/XX/XXXX. CapitalOne credited me with those charges. 2 days later they put the charges back on my card. I have sent them a notice several times but they have not removed those charges. CapitalOne has a {$0.00} fraud, but they will not live up to that promise. They have NOT supplied any proof either by mail nor by phone calls to explain what was purchased. Since I do not shop at XXXX XXXX and In very rarely shop at XXXX  simply because I can shop at XXXX who is also my employer and save with the discount.
Consumer complaint received 2021-07-25
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)

on XX/XX/2021 i submitted a dispute to remove items off my credit report i have not received any notice on any dispute status regarding my disputes which is fair credit reporting act violation please look in to this matter and remove the dispute accounts immediately The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (MA)

I have a debit/checking account with TD Bank. My XXXX bank statement had a debit card purchase which occurred on XX/XX/XXXX for {$110.00}. I have no knowledge whatsoever of this transaction. Rather than a recognizable company name, it just says " XXXX XXXX XXXX ''. I had no idea what this means. The bank said, when filing a dispute on XX/XX/XXXX, means crypto currency. I never in my life purchased crypto currency, and know nothing about it. The amount in question is {$110.00}. The bank had given me a provisional credit of said amount. Their Dispute & Claims dept. has now sent me a letter advising that their dispute investigation is complete, they have found no evidence of fraud, and will be withdrawing the provisional credit of {$110.00}. I am appealing their decision. I should not be held liable for a fraudulent purchase. I have also obtained a new debit card from bank.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ON XX/XX/10, I SENT IN MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THE ITEMS THAT WERE TAGGED ARE FRAUDULENT AND I DON'T KNOW WHERE THEY CAME FROM. HOPEFULLY I WON'T BE IGNORED OF MY DISPUTE.
Consumer complaint received 2021-07-23
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. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.