davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: J J Marshall & Associates, Inc (MI)

I am out another {$100.00} application fee for rental and my housing rights are being harmed! I can not get rentals and or purchase now. I owe nothing to a prior landlord, I received CERA funding ( Covid 2021 ) and have bank and payment portal receipts, letter of initial approval for CERA funding and an email correspondence with my case worker even acknowledging the property Management confirming to MSHDA they received " payments in excess ''. You can clearly see that they received more funds than they claim I owe! 
I was not in rental unit past payments made, so not sure how they continued to charge?
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I have an Amex Card. 
I have set reminders to send push notifications and text messages 3 days ahead of when my bill is due, so that I can review it and pay it. 
Amex has repeatedly failed to send me these notifications, or sent them AFTER the bill was due and AFTER a late fee was assessed. 
I have repeatedly contacted them to ensure the notifcations are sent AHEAD of when bill is due. They have claimed to address this, but the issue keeps happening, and I am being charged money each month because of it. 
How many other customers is Amex failing to deliver reminders to, and then assessing late fees against.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC (FL)

Text message regarding contacting Radius Global Solutions LLC., at XXXX about rights regarding a recent letter / make payment. I have not received any letter and do not expect to receive one. I am well aware of the very little debt that I currently have. I am in good standing. There is No reason for Radius Global Solutions LLC., to contact me via text message to my phone or any other communication method regarding any matter.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

A total of {$1800.00} was taken out of my account by a fraudulent application called XXXX XXXX. Ive disputed this claim with Chime and was denied, Ive asked for a rebuttal since I dont believe enough investigation was done. Too many negative reviews and application isnt even on the XXXX XXXX anymore.
Consumer complaint received 2022-11-28
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. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/year>, I went to buy something on XXXX XXXX, and the lady I was buying From insisted we used PayPal. We went through with the payment. Later that evening, the lady, I bought the product from asked if we could switch to a different service ( XXXX ) to make the money process faster. I agreed, so long as she canceled the payment from PayPal. The next morning on XX/XX/year>, I got notification that the status of the invoice she sent me for the product was refunded. I realize the product was paid for, I went through with the other source of payment. On XX/XX/year>, my bank notified me that {$500.00} had been withdrawn from my account for PayPal. I Called PayPal and told them, and they told me the refund would be in my account by XXXX XXXX. I checked on the XXXX of XXXX, and no refund was present. Asked for a supervisor for PayPal and she notified me that the seller had altered the status of the invoice, but hadnt actually sent me money. PayPal told me to get in contact with my bank. 

My bank told me they couldnt do anything about it. 

In an attempt to contact the seller, I wasnt able to get ahold of her.
Consumer complaint received 2024-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

A collection was added to my XXXX report for and lists MBA law as the original creditor opened on XX/XX/year> in the amount of {$1200.00}. I was unaware of this being on my credit report until months later. I did not know who MBA law is and they did not contact me about the collection until XX/XX/year>. At the time of this call, the agent informed me that this collection will not be reported to my credit. Once i received a notification that there was a change to my credit score in late XXXX, I called MBA and they said I was misinformed and that the report was eligible to go on my credit report. On that call, I requested a verification of the debt that they claimed I owed and they had told me I would receive that documentation in the mail within 3 weeks. It is 2 months later and I still have not received any of that documentation. This seems like a very dodgy company and their agents have not provided the requested documentation in verifying this debt. After reading about similar experiences from other XXXX complaints, I do not feel MBA law to be a legitimate collector and I am seriously alarmed at their practices in collecting debt. I am filing a complaint with the CFPB for suspicious/illegal collecting practices. 

The fact that I was not contacted by MBA law until AFTER I was notified of the collections, that I was told that it would not go onto my credit report, and that they have failed to provide any details whatsoever about the debt raises very serious concerns about their legitimacy and collections practices. 

A debt collector, in collecting a debt, may not use any false, deceptive, or misleading representation. Specifically, a debt collector may not falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. A debt collector may not communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. This would fall under the erroneous representation that this debt would not be reported to my credit.

This collections account is illegitimate and I want this account removed immediately from my credit report and I want correspondence confirming that the account has been closed.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I have no contract agreement with Jefferson Capital System and did not authorize anyone to share my information. 
Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Consumer complaint received 2024-07-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (TX)

TitleMax was charging me, a 100 % XXXX veteran who receives social security a 176 % annual percentage rate on a 30 day loan and repossessed my car without giving me a written letter before the repossession and tried to auction my car off I. 15 days instead of the 25 that was told to me. My car was repossessed twice in this manner the interest payment alone was almost 25 % or my total monthly income as a single parent. I had to re register my car and pay the fees associated with the removal of the lien and registration due to my plates being destroyed.
Consumer complaint received 2024-07-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (MI)

I am writing to dispute a late payment entry 's on my credit report. My XXXX report, which I received on XX/XX/XXXX, shows a late payment entry from SANTANDER CONSUMER USA for the account number starting with XXXXDate of late payments opened XX/XX/XXXX. There are currently XXXX inaccurate late payments from SANTANDER CONSUMER USA on my credit profile that needs to be removed immediately. XXXX is reporting fraudulent late payments on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These late payments has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The late payments listed below are inaccurate REMOVE NOW. THIS ACCOUNT IS PAID AND FULL. 10 Late payments are super inaccurate! 
Account name : SANTANDER CONSUMER USA Account Number : XXXX Date opened : XXXX XXXX
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (GA)

I noticed a new collections account pop up for all three major credit bureaus ( XXXX, XXXX, and XXXX ). I have no knowledge of this company, and from further investigation it appears it is grossly misrepresented and inaccurate. I am not sure if this is scam or if this company is using fraudulent practices to re-age a possible old debt. I have attached further documentation to support my claims.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo sent me a check for a closed service that they dont have anymore. And I wanted to use that to open account but they denied me cause I had too many inquiries and didnt have an old enough account nore an mortgage thats why they denied me when the bank manager informed me that the credit score didnt have no bearings all I needed was the {$25.00} to open it that shows false information and or the bank is demonstrating unlawful behavior according to the FRCA GUIDELINES with much prejudice
Consumer complaint received 2024-07-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: JPMORGAN CHASE & CO. (TX)

I am being held liable for a loan serviced by Chase Private Education Loan Department in error. The loans were apart of identity theft. The two loans consist of : Account # XXXX for {$9300.00} ( Originally taken out : XX/XX/year> ) and Account # XXXX for {$4100.00} ( Originally taken out. Both loans are being held by XXXX. When speaking to XXXX they advised me to call Chase to dispute the loan, but the Chase is not on my credit report to dispute. In addition, when reaching out to Chase bank, I was told they do not have any recollection of the loans and the Private Education Loan Department has been dissolved, so I am unable to determine the validity of this debt.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AL)

Late payments listed for the following creditors on my credit report : CitiCards 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 Late payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604a Section 2 consumer reporting agency can not furnish an account without my written instruction ; 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Waypoint Resource Group, LLC (AZ)

This company has called me XXXX times in XXXX minutes and no one is there when I answer. They are disrupting my work day in my office when I have clients at my desk. The last person I asked for a supervisor when I called them back and was told to F Off. I tried calling again and now have been on hold for XXXX minutes waiting on a supervisor to be told there are none and hung up on.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

I want to make a complaint about the predatory practices of the Macys card. I had a Macys store card but had not received a new physical card after my previous one expired. 

When I went to a store to ask about this, an associate had told me that my card had been closed due to inactivity. The associate then proceeded to offer to open a new card, to which I declined. 

I was under the impression that I had no Macys card until I received a letter about a change in credit card terms. After nearly an hour on hold, I spoke with a representative who told me that my old card is still open and active... which means that associate had lied to me. 

My parents also had a similar experience where they were told their card was closed due to inactivity, but my mom did proceed to open a new card. Which in turn, would have given that associate their incentive money. While I did not fall for this con, I want to alert the government to this predatory practice. 

I believe that there is a widespread scam being done by Macys associates where they say your card is closed so that you open a new one, so that the associate can get their incentive money. This is extremely unethical and must be investigated.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (WI)

XX/XX/year> at XXXX I tried to deposit {$540.00} into the ATM machine located at the US Bank at XXXX XXXX XXXX XXXX, XXXX, WI. The deposit was rejected and it sent back {$520.00} and said there was a metal object in the machine and to clear the machine and redeposit. I checked and did not see anything, i put the money back in and I received a receipt saying there was a machine error occurred and unable to credit or return some of the items you attempted to deposit. It did not return anything. A flash came up that the ATM is out of service. I was ready to drive away and the ATM became available. I put my card in and and selected Deposit cash, just to make sure the cash was not there. It was not. On my way home, I called the number on the Machine error receipt XXXX and submitted a report I was given Claim # XXXX XXXX XXXX XXXX 
On Friday, XXXX I called XXXX and spoke to XXXX who said he would put paperwork in the expedite the claim. 
On Monday, XXXX I called XXXX and spoke with XXXX and then XXXX who told me to talk to the branch and that they may be able to credit the account while investigation is being done. They waid it could take up to 45 days. 
On Tuesday, XXXX I called the branch XXXX and spoke to XXXX and then XXXX, she said I was given false information but that they would put through an email to get more information and I should call back Wednesday or Thursday and gave me another number to call XXXX. 

I am getting misleading information and I still do not have my {$540.00} deposited into my account. 

There are camera 's on these ATM machines, they should be able to view it and see what happened. Also, they should have {$540.00} extra and not be able to balance out the machine. 

I deposited XXXX {$100.00} bills and XXXX {$20.00} bills. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NC)

This collection is on my credit report but I never received a 1099C for this charged off debt. provide me with 1099C to accurately reflect this as a charge off for tax purposes and update or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.
Consumer complaint received 2024-07-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Deinde Online Services, LLC (TX)

Hello so I am at work as a customer service agent and a call comes into my queue and I pick up. They say their introduction that the call is being monitored then ask are they speaking to me and asked me to verify the last XXXX of my social then proceed to say they are calling about a debt that I owe. I proceed to inform the representative who stated his name is XXXX XXXX, that I am at work and that they are calling my job and not even HR but a call queue that is used for actual customers who need help and I have never provided my work job for those purposes and never gave permission for anyone to call my job especially when they have my personal number.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Pursuant to the FCRA, it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are NOT. EXPERIAN is reporting inaccurate late payments for the XXXX  XXXX XXXX account ending in XXXX. These inaccurate late payments includes the reporting of 150 days delinquent on XX/XX/. This is INCORRECT and is supposed to be reporting as PAID AS AGREED. Moreover, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A. late payment constitutes a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. Furthermore, I did NOT give EXPERIAN written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is VERY clear that EXPERIAN has violated my federally protected consumer right and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Consumer complaint received 2024-07-16
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I purchased an Amex XXXX and attempted to use it at XXXX and it has been declined despite having the available balance needed. I found that many people have reported this problem in recent months and over the past year.
Consumer complaint received 2024-07-16
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

On XX/XX/XXXX Infiniti XXXX XXXX XXXX wrongfully put an inquiry on my credit report that was unauthorized also XXXX XXXX and XXXX XXXX XXXX did the same.I want these removed because its affecting my credit score.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IN)

I have Citi credit cards. I opened a Citi savings account to pay down those credit cards. I deposited XXXX {$2000.00} checks from XXXX into that savings account. I began making payments from that savings account on those credit cards. I had autopay scheduled on at least XXXX of the credit cards. 

Citi then proceeded to summarily cancel the autopay function, close the savings account, charge the savings account for the autopayment, tell me the payment failed, and then tell me repeatedly I have a past due payment. 

I have received random letters from Citi. I have called them each time I receive a letter - either electronically or by U.S. Post. Each time, I have documented the conversation with Citi. Each time I get walked in circles with nothing to show for it except clearly understanding my voice does not matter. They are going to do whatever the XXXX they want to do. 

I have sent so much documentation only to have received a piece of mail from you yesterday saying you could not go through with a complaint against them. Then the rest of the mail said here is how to file a complaint. 

How about you do it right the first time?