davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
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. (FL)

I contacted experian credit services due to the reporting of a XXXX XXXX   bankcard on my credit report. This account with XXXX XXXX is fraudulent, I filed a identity theft report and forwarded it to both experian and XXXX XXXX bankcard. When XXXX XXXX contacted me they narrated that for the reason they sent this credit card to an old address I had in the past, I have to pay the balance on the card even if I didn't live there at the time or for many years.This company XXXX XXXX is fraudulent and does not care who they harm or who they ripoff.Experian continues to report this fraudulent account so they can collect monies from this fraudulent company.Experian is not protecting me the consumer that am an identity theft victim.Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-10-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (CA)

I have a cash app account that was closed about 4 days ago and I have no clue why. I contacted them regarding the issue and they said I was in violation of something. they sent me a way to cash out my remaining funds but every time I try to cash it out it says cash out failed. And now when I go to cash support to ask them for help on getting my remaining {$770.00} they send me the same email over and over again saying they closed my case cause the complaint is old. which it is not.
Consumer complaint received 2020-05-25
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: AMERICAN EXPRESS COMPANY (NM)

At around XXXX XXXX on XX/XX/XXXX, I was going to bed when I received the alert on my cellular phone, saying {$120.00} was charged on my American Express card at the XXXX near my house. It was still pending, but I called Amex right away to report the fraud. After investigation, I realized the credit card with the renewed expiration date was on the way, and was supposed to arrive on XX/XX/XXXX, which I did not receive as well as one of the utility bills. 

After the card was used at XXXX, it was declined at several places ( XXXX, XXXX, XXXX, XXXX, XXXX  ) on the next couple of days. Filed the police report also. 

In a week or so after filing the claim, I got the credit to my account. Thought this case was closed. However, at the end of XXXX, I noticed the amount was re-billed to my account. I contacted Amex again a few days later to ask why, but didn't get an answer to it. Instead, the person said he would open a brand new claim to take care of it. Close to the end of XXXX, I found this charge was included to the total balance. On XX/XX/XXXX, my boyfriend and I called Amex, and got to talk to XXXX with the Fraud Prevention Team. She looked at the record of my account and said it was not right. It seemed the people I had talked to before treated this case as a dispute, not as a fraud. She was trying to open a new fraud claim against the amount re-billed, but couldn't. So she told me she would take care of it and call me the following day. 

As of XX/XX/XXXX, the claim XXXX opened ( # XXXX ) is still open and the fraudulent charge is included to the statement balance. I have been getting the reminder of payment, even though this fraudulent charge should not be a part of statement balance. 

I have been asking for the answers to the questions below since the fraud happened. But no one answered me so far. 1 ) Why could the new card be used without being activated by me? 2 ) Why did American Express send such a card to me by regular mail? 3 ) The first claim went through so quickly, then why is it taking so long to close the whole thing? 4 ) What did American Express do between the time I contacted about the re-billing and XX/XX/XXXX? It looks to me nothing happened. 

The whole thing looks American Express wants me to give up and pay. They don't live up to their promise of 100 % fraud protection. I would like them to process the claim as quickly as possible, and give me the answers to the four questions above.
Consumer complaint received 2019-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I need assistance with recovering {$50.00} that was fraudulently stolen from me XXXX XXXX / XXXX XXXX. He offered to sell me a ticket to an event called XXXX XXXX XXXX XXXX through XXXX and XXXX XXXX, and I have extensive records documenting our dialogue. At his fraudulent instruction, I paid {$50.00} through the Cash app that the person specified, connected with my XXXX XXXX XXXX debit card. After the payment was submitted, XXXX XXXX / XXXX XXXX deleted their XXXX account and did not send the agreed-upon ticket. I then submitted complaints to Cash app and XXXX XXXX XXXX and have not received any assistance. I need their assistance to pursue the recovery of my {$50.00}.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

In XXXX a utility bill was reported for non payment. The amount of XXXX was satisfied in XXXX of XXXX. I contacted the collection company that was reporting it to ask that it be removed from my credit since it has been paid and they stated no. Im seeking help to have this removed from all three credit reports
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

My bank charges me overdraft fees if it goes into the negative for even a second. Every single time, religiously. The most I've got them to reimburse me is {$9.00} out of the {$35.00} fee they charge. 

1 ; Why is the bank enforcing overdraft fees during the COVID epidemic? 
2 ; Why is it whenever my girlfriend 's account ( same bank ) goes into the negative she NEVER gets an overdraft fee?
Consumer complaint received 2020-05-12
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. (NC)

My XXXX XXXX XXXX  Account was reported as closed on XX/XX/20 with initial remarks as " Closed at consumer 's request '' that have since been removed. This resulted in my utilization decreasing and FICO Scores dropping several points. I never requested my account to be closed and my attached current statement shows that. I contacted the company XX/XX/20 and a representative confirmed account was still open and status would automatically update. As of yesterday XX/XX/20 a full month later, account is still showing on my report as closed even though a new statement was generated on XX/XX/20. I called XXXX XXXX XXXX  a second time on yesterday XX/XX/20 and was informed by a representative that I would need to contact the Credit Bureaus myself to update since it was no error on their part.
Consumer complaint received 2020-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Assist Plus LLC (VA)

I have been getting billed {$29.00} every month for the past 4.5 years from a firm called XXXX XXXX XXXX XXXX XXXX They have mentioned that they were affiliated with XXXX XXXX. This has been extremely frustrating and due to this pandemic, this is definitely not helping financially. The message below is a short message intro. when I first joined : " Date Type Detail Action XX/XX/2015 Welcome Hi XXXX, Thank you for your enrollment in our service. We are pleased to have the opportunity to provide you with exceptional customer service and support. 

Please do not hesitate to contact us should you have any questions. Toll free customer support line - XXXX Sincerely, XXXX Customer Service ''
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

On XX/XX/2015, I purchased a used XXXX XXXX  and financed the purchase via a loan from Credit Acceptance Corporation. Upon review on the loan terms, I noted that the interest rate charged by Credit Acceptance Corporation is above the usury rate for Texas, the state I purchased the vehicle in, originated the loan in, and in which I currently reside. 

I contacted Credit Acceptance Corporation about this issue ; however, they refuse to acknowledge the fraudulent loan or make any effort to resolve the situation. 

I believe Credit Acceptance Corporation and its agents have discriminated against me on the basis of race, country of origin / nationality, sexual orientation, age, and gender. Furthermore, I believe Credit Acceptance Corporation is structuring its loans in a way that constitutes unfair, deceptive, or abusive acts or practices, as the loans interest is above my state 's usury rate and is charged as an up-front fee, and therefore prepaying the loan does not result in a reduction of total interest charged. Also, Credit Acceptance Corporation violated the laws of the State of Texas by issuing this loan.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

To reiterate my chief points/complaints to the CFBP regarding the subject bank : 1 ) The company sent a letter, amid the COVID crisis, to my PO Box at an address that was subject to a severe lockdown order, and, the letter arrived several weeks late, well after their original reply-by request date. 
2 ) Upon receiving this significantly delayed letter, I replied immediately and appropriately. 
3 ) The company has declined to offer any forbearance for the extremely challenging environment we find ourselves in, nor does it acknowledge the simple fact that likely its own processes were delayed and contributed to my inability to receive its original correspondence and respond promptly.

4 ) The company, by failing to mail this critical correspondence in any traceable form ( no doubt to save expense ), has lost all ability to assert strict timing deadlines, as it can not prove when it was mailed, nor when it arrived to me. Let alone that this mailing occurred during a time of national crisis and substantial delays to mobility, access, and processes. 

Please see attached longer form explanation of the situation.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

I contacted my bank about my debit card being lost and used to withdraw my money my pin number was on the back of my card so i contacted them and told them about it, They won't help me get my money back and they keep telling me there was no fraud in play I never even been to the bank before that my money was taken from
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I spoke to a US Bank representative by calling theXXXX number listed on their website. XXXX the representative that I spoke to said that I qualified for the XXXX  dollar sign-up bonus. 

When signing up I had used the promo codeXXXX. XXXX verified that my account was eligible and that the direct deposit made on XX/XX/XXXX and XX/XX/XXXX would qualify for the bonus. She said that I didn't have to worry and it would post to my account within 60 days from the XX/XX/XXXX date. She told me the XXXX direct deposit on XX/XX/XXXX and the XXXX direct deposit on XX/XX/XXXX qualified me. 

On XX/XX/XXXX, I called in and was checking the progress of my bonus. I spoke to a nice associate who told me that the direct deposits I made were not eligible even though I was told by an associate on XX/XX/XXXX that my account had qualified. She transfered me to her manager. Who to be honest had very bad phone quality ( teleworking ). She then told me the bonus wasn't awarded because it was for only new customers. This in itself is an outright lie since the terms clearly state " Offer is not valid if you or any signer on the account has an existingU.S. Bankconsumer checking account, had aU.S. Bankconsumer checking account in the last six  months or received otherU.S. Bankbonus offers within the past 12 months. '' I am not in violation of this since my last US Bank account was closed on XX/XX/XXXX. XXXX or XXXX, I couldn't quite catch her name directly lied to me and was very aggressive when I told her that I was correctly following the terms and conditions and this was a legal issue and I would raise it with the Consumer Financial ProtectionBureau. 

If I was in fact not eligible I should have been directly told this on the first phone call on XX/XX/XXXX. Because I was misled on the phone call I believe that US Bank should act in good faith. All calls are recorded and I request that you review them. I believe at this time US Bank has acted in a bait and switch scenario. Please review this calls to train your customer service representatives and make sure they are educated correctly. Your customer service manager should not be spouting direct lies about qualifications.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been reaching out to XXXX  and Experian about a Bankruptcy that has been filed on my credit report. These companies have not verified or given me any information as to how and why this account is showing on my credit profile. I have never filed Bankruptcy in my life. I've sent in a letter asking for their method of verification and they failed to give me any information as to how and why this is showing on my credit profile. I and XXXX XXXX XXXX and this account appear to be for XXXX XXXX. I've been sending them letters and trying to get this resolved since XXXX of XX/XX/XXXX. Experian and XXXX   told me they verified with a company but I sent a letter in XXXX with method of verification to both experian and XXXX  and they both failed to prove. I also sent a letter to county clerk and they stated they dont furnish information to 3rd parties.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

There were three transactions that this creditor called XXXX took out of my account after I had given them notice NOT to over three weeks in advance and they were already in a debt consolidation program with my lawyer 's office. These amounts were all in the amount of {$100.00}. Bank of America credited my account and put a stop payment on this creditor months ago, but now Bank of America is threatening me, a senior citizen on a fixed income, that they are taking back the credit if I don't give them more proof in writing. I have a copy from my attorney 's office that I submitted to them and I am submitting to you showing that XXXX is in this program and should NOT have been debiting my account. Bank of America threatened me if I didn't fax them proof before the end of this week, they would take the money out of my account which I don't have. I faxed them the proof today but felt it necessary to send you this information also because I am having so many problems with this lender.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORT, I HAVE AN AUTO LOAN WITH XXXX   THAT WAS OPEN UP ON XXXX XXXX IT IS AN AUTO LOAN AND IT IS NOT SHOWING ON MY CREDIT REPORT.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CMG MORTGAGE, INC (CA)

Have a 30 yr fixed VA loan serviced by CMG mortgage. Requested forbearance under CARES Act related to financial hardship due to COVID-19.Recieved approval of forbearance approval. Was current on mortgage payments until I received notice of approval of forbearance, then halted payments. Noticed a 17 point drop in my credit rating based on data submitted by CMG mortgage. It was my understanding that under the CARES act that the forbearance period should not negatively affected my score which is not the case. I have reached out to CMG mortgage in an attempt to resolve this and not recieved any resolution. Any assitantance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (LA)

DUE TO COVID-19, I CALLED CHASE AND SPOKE WITH A REPRESENTATIVE ( XXXX ) ON XX/XX/XXXX OR XXXX AND ASKED DUE TO COVID-19 ARE THEY REPORTING TO THE CREDIT BUREAU, IF THE AUTO NOTE OF XXXX IS LATE, DUE TO SPOUSE OUT OF WORK DUE TO COVD-19 AND WAITING ON UNEMPLOYMENT. THIS WAS THE FIRST TIME THE AUTO NOTE HAS BEEN OVER 30 DAYS PASS DUE. I WAS ADVISED THAT NO WE ARE NOT REPORTING ANY LATE PAYMENTS AT THIS TIME, DUE TO COVID-19. SO THE AUTO NOTE FOR XXXX PAYMENT WAS DUE BY XX/XX/XXXX, THE PAYMENT WAS MADE ON XX/XX/XXXX. ON XX/XX/XXXX I RECEIVED A NOTIFICATION FROM XXXX XXXX   THAT I HAVE A LATE PAYMENT THAT WAS POSTED TO MY ACCOUNT. I CALLED CHASE BACK ON XX/XX/XXXX THE REPRESENTATIVE I SPOKE WITH ADVISED ME, FOR US NOT TO REPORT A LATE PAYMENT YOU HAVE TO APPLY FOR A EXT DUE TO COVID-19. I EXPLAINED TO HER THAT THE REPRESENTATIVE I SPOKE WITH, BEFORE HER DIDN'T EXPLAIN THAT I HAVE TO APPLY FOR THE EXT. PAYMENT NOT TO RECEIVE A LATE PAYMENT ON MY CREDIT. SO I WAS TRANSFER TO A SUPERVISOR, WHERE IS WAS TOLD THAT THE CALL FROM XX/XX/XXXX OR XXXX WITH XXXX WILL BE REVIEWED, AND SHE WILL CALL ME BACK, SUPERVISOR CALLED BACK AND STATED THAT COULDN'T HEAR THE CALL. I THAN SENT IN DISPUTE LETTER TO ALL 3 CREDIT BUREAU AND TO CHASE AUTO, I RECEIVED A CALL BACK FROM CHASE, STATING THAT THE LATE CHARGE IS VALID, AND WILL NOT BE REMOVED. I STATED IF YOU CAN'T HEAR THAT CONVERSATION, HOW CAN YOU MAKE THAT CALL. SUPERVISOR THAT SORRY THAT ALL I CAN DO, WELL IF ALL CALLS ARE RECORDED OR MONITORED WHY YOU CAN'T HEAR THAT CALL.
Consumer complaint received 2020-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I have been trying to contact HESAA regarding my student loans for the past three weeks-their phone lines are down and no one has replied to my emails sent to their Client Services email address. I emailed them three times, as well have been receiving assistance from the New Jersey Department of Banking and Insurance, who also has been calling and emailing them and not getting a response. 

My account currently states that HESAA has not received my last scheduled payment and my account is delinquent. My last payment due date was XX/XX/2020, and I made a payment on XX/XX/2020 of the full amount. The payment history is reflected on the HESSA website, and I have the confirmation and credit card statements with the payments as well. 
I was hoping to get clarification about the delinquency of my account. 

As I have not received a response from HESAA since I began contacting them mid-XXXX, the payment I made for the month of XXXX was my normal payment, not the double amount which my account currently states I owe.
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

XXXX XXXX A low mileage short-term lease is treated the same as a high-mileage long-term lease for " excess wear and tear ''. I worked with a representative on XX/XX/2020 for 1 hour and 16 minutes. The rep admitted that the charges for excessive paint chipping on the hood and bumper only a ploy to trick consumers into getting another lease. They offered a waiver for the " excessive damage '' and said that it was applied to my account. I replaced the parts that were broken as listed on inspection. I received a bill for the full amount including the parts that I replaced. I tried to reach out to NMAC. I was told that I had 90 days to pay and that the waiver was in process. One day later I was told there was never any waivers and that I have one week to pay or they will turn me into credit collections.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TCF NATIONAL BANK (AR)

XXXX FILED BK RECENTLY AND SETTLED A CLAIM FROM OUR BK XXXX FOR $ XXXX, ALL OTHER TRADELINES INCLUDING XXXX MUST NOW DO THE SAME.XXXX, XXXX XXXX  XXXX WAS FRAUDULENT MORTGAE SERVICERS AS YOU WELL NO.
Consumer complaint received 2020-05-13
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CarMax, Inc. (FL)

I took out an auto Loan with Carmax Finance. Carmax has called my employer on several occasions. I called Carmax and asked them to only call my personal phone number which I provided to them again and not to call my employer. They continued to call my employer several more times, and i have repeatedly called them to stop doing this and only call my cell phone.
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.