davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I open an account in XXXX  and was explicitly told that regardless of balance that I would not incur any fees, as long as I had direct deposit set up for both checking and savings. Despite these reassurances, I was charged for six months unfairly. I attempted to bring this to Bank Of Americas attention And they refused to compensate me for the funds stolen from my account
Consumer complaint received 2024-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have held a XXXX XXXX  credit card for over two years.I have never been late on my payments. And all three of my credit scores are over XXXX. I have requested multiple credit limit increases and they have all been denied. I also have an auto loan with them which I have never been late on. The last denial was stated in the letter " My payments are too low ''. That makes absolutely no sense. I have never been late or payed less than the minumum payment.
Consumer complaint received 2024-09-05
Product: Credit 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: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, my XXXX account was hacked and XXXX unauthorized purchases were made with my Chase credit card. XXXX for {$110.00} and XXXX for {$130.00}. 

Chases fraud detection service notified me via text, and I immediately answered that " NO '' I did not authorize these purchases. 

I did not authorize these purchases nor did I have access to my XXXX account, since it was hacked and the password was changed. 

I also called Chase Bank, and reported the fraud to them, explained the situation, and had the credit card cancelled and replaced. 

On XX/XX/XXXX, I was called by Chase 's fraud detection team and was notified that I am now responsible for these charges because their investigation determined that " I received benefit from this transaction ''. 

Not only did I not receive benefit from this transaction- I also do not make or authorize such transaction to be made.
Consumer complaint received 2024-09-14
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

I owe credit card debt to Comenity Capital Bank. they continue to call me from multiple numbers multiple times a day. I called them today to try and work with them and was asked " can you pay the balance? '' I responded with " not at this time '' and was immediately hung up on with no effort to work with me on a payment plan. I feel so helpless with this company because they simply will not work with me, but continue to harass me by calling multiple times a day. When I answer I get yelled at and hung up on. It's absolutely unbelievable, I am working hard to get out of my Financial crisis but I feel helpless with this company.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (TX)

I began using the Albert app around XXXX. This app helped me save money as it would pull directly from my bank account periodically. When I began to make more money, I did not find this app to be as useful to me anymore and they also started charging outrageous monthly fees. I disconnected my bank from the app. Then I get an email in XX/XX/XXXX that I am being charged a {$72.00} annual fee. This is for an app that I am not using so I reached out to dispute and disputed this with my credit card because they wouldn't not charge me and said they could switch the payments to monthly if I'd prefer ( this email exchange began on XX/XX/XXXX ). I wasn't going to pay for an app that I was not using. Then this morning, on XX/XX/XXXX, I get an email that I am going to be charged {$14.00} from here on out for a monthly fee ( and the first charge was going to hit today! ). I went into the account and tried to deactivate my account, but it said that needed to be done on email or in the app. I had already tried the email route which was unsuccessful so I tried logging into the app. It tells me I need to reconnect my bank or another bank before I can do anything with the account. This is such a scam. Reconnect my bank so you can charge me for an app i'm not using and an account I'm only trying to log in to deactivate? 

I have reached out, once again, to support via email and am awaiting a response.
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN HONDA FINANCE CORP (CA)

During the start of the pandemic of XXXX, I received a call from Honda Finance regarding an auto loan I had with them. The rep proceeded to tell me that I was five months behind on payments when I only got the car in XX/XX/XXXX. Looking at my credit report on XXXX XXXX the payment history is inaccurate originating from Honda themselves. As I continued my original payment schedule, a rep called and attempted to collect {$10000.00} from me to keep the car. When questioned about the error I was told that it was a system error since my last payment made was XX/XX/XXXX which was current at the time of the call. In XXXX the vehicle was stolen by a third party, hired by Honda to recover the vehicle while I was home sleeping. Looking at my XXXX XXXX report today I noticed that Honda is still reporting late payments in regard to the account that was charged off. 

Pursuant to 15 US CODE 1666 ( b ), 15 US CODE 1637 ( a ), 15 US CODE 1692 ( g ), and 15 US CODE 1681 ( c ) 2 this account needs to be removed.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

I deposited a check in excess of {$48000.00} and the bank held check in its entirety stating it was based on my balance of $ XXXX dollars. Which having worked in banking I knew was not correct. I contacted bank branch manager to have him release check as it was from a trust account of a local attorney and from another local bank. I inquired why he didnt contact the other branch to verify funds and branch manager stated it was HIS discretion as to whether he released the monies. I said well you have the ability to do so. Again he mentioned my balance as his reasoning as why not to release. When I inquired who I could file a complaint with he said I couldnt. There wasnt anyone however he would file the complaint on my behalf. How would he have known what my complaint was in full??? I am beyond frustrated and when asked could I just close my account he said in a 12 days when the funds are fully available. The check has already cleared my attorneys bank and at this time I feel as though my own bank is simply holding the funds to get the interest from doing so.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (TX)

I asked the company that had my information into the collection agency to provide me with signed documents that has my social security number, date of birth and original signature on documents that shows my signature and correct SSN and DOB all documents and none of what I asked for has yet to be provided, they send me everything but what I've asked for. No documents have been confirmed with my signature, correct DOB and SSN
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Lendmark Financial Services (SC)

Starting with a loan that was approved from Lenmark Loan Company located in XXXX XXXX in XXXX. The numbers that was giving for proof income from the dealership was inputted incorrectly for approval. An agreement between XXXX XXXX located in XXXX XXXX XXXX Overhaving the bike over a course of time, the bike was reported stolen and XXXX paid out the loan company. Instead of closing and stopping the loan. The loan company decided to add-on charges and late fee to an payment prior to the statement publishing. Lenmark Decided to carry on this case through the courts but the court system kicked it out. Due to false provided information. I am asking to start an investigation due to false information and excessive late fees and charges.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (IL)

To Whom It May Concern, I have received your attempt of validation of the above mentioned account and have several issues to address with your claim of an attempt to collect this alleged debt that I owe this ALLEGED debt to your organization. 
First, you have not, in any means, managed to prove to me that I owe this alleged debt to your organization. Your organization has not provided me with a wet signature of mines that undoubtedly proves that I have some sort of contractual obligation to pay YOU or provide me with a complete statement of accounting as required by law of the FDCPA to be considered full and complete validation. 

Now, Secondly, your organization has not sufficiently proven that I owe this alleged debt to ( XXXX XXXX ) by providing me with a copy of a wet signature on a contract that I supposedly signed or provided me with a complete statement of accounting as required by law of the FDCPA to be considered full and complete validation. You have merely supplied me with copies of alleged bills on the account in question or the actual contract. This does not sufficiently prove that there is any legal or contractual obligation between myself, your agency or the creditor. If you are unable to provide me a copy of my wet signature on a contract, I submit to you that this debt is unverifiable your organization contacting me is a direct violation of the FDCPA. Continuing collection attempts on this account can and will be considered harassment under the FDCPA. 

I do not have any contractual obligation to pay your organization up to this point as you have failed to provide proof of what I have previously requested. A copy of an alleged bill is simply not suffice nor satisfactory proof that I have incurred this debt. 
I, again, request that your company prove to me, beyond a shadow of a doubt, that I incurred this alleged debt by providing to me a copy of my wet signature on some type of contract. I also request that your company IMMEDIATELY abide by the rules and regulations of the FDCPA and CEASE all collection attempts on this account.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX
Consumer complaint received 2023-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (NY)

Failure to Notify Reinsertion as Required by 15 U.S. Code 1681i ( ii ) Dear Experian, I am writing to address a significant issue concerning the reinsertion of previously deleted information on my credit report, as outlined in 15 U.S. Code 1681i ( ii ). Attached is proof of this reinsertion. I discovered that certain disputed information, previously deleted under the Fair Credit Reporting Act ( FCRA ), has been reinserted into my credit report without any prior notification. This omission directly violates 15 U.S. Code 1681i ( ii ), which mandates notifying consumers within five business days of reinsertion. Please see attachment of PROOF of previous deletion for the following account. I have previously filed a CFPB complaint on XX/XX/2023 and have not received a response. I have previously looked at my credit report and the account was recently added once again.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (VA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-05
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: CLGF Holdco 1, LLC (PA)

XX/XX/XXXX - there is a hard inquiry on my XXXX XXXX credit report, which I did not authorize nor do I know who this company is, but I do know that I have not applied for any credit or loans in years. When I got the alert via email, I called the company the next day and they refused to discuss any information with me unless I provide them my last 4 SSN and DOB, which I did not provide nor will I ever. I also XXXX searched this situation and its a common issue with this company, they are phishing for security information.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WV)

I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Consumer complaint received 2024-07-31
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. (FL)

FOLLOWING THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX, ACCOUNT NAME : XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. THIS ACCOUNT DOESNT HAVE EXACT INFORMATION AND STILL APPEARS IN MY CONSUMER REPORT. 

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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE INVESTIGATE THIS MATTER, THANK YOU.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XX/XX/XXXX I was going to apply for credit and pulled a current credit report and found that a fraudulent student loan was opened not by me. I tried contacting all credit bureaus and provided them the proper documents that they requested but it has been extremely hard to speak with anybody or get any answers. i dont know how all this works and i have mailed in disputes as they suggested and to this point nothing has been done and i have not received any responses from the credit bureaus. i did receive a response back from transunion where they accused me of not being me. they said that i hired a company to dispute this on my behalf which is not true.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

The company XXXX XXXXXXXX XXXX XXXX and I have the same understanding regarding the late payment reported on the account. However, there needed to be a better understanding of the payoff date. A late payment was reported in XX/XX/year>. This loan was initially a XXXX loan but was extended to XXXX  months due to a skip-a-pay feature. This caused the payment to be reported as late a month before the balance was paid in full.
Consumer complaint received 2024-09-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

Debt Validation & Notice Of Dispute To whom it may concern, This notice is Pursuant to XXXX XXXX Code XXXX ( g ) as I have never received a validation of this debt from your company. I am requesting that your company provide me with the following documentation : XXXX. The name of the creditor to whom the debt is owed to XXXX. The amount of the alleged debt XXXX. A statement showing proof that you put me on notice that this debt would be assumed to be valid within XXXX  days I have never been notified that this debt would be valid by your company within XXXX  days which is a direct violation of the FDCPA. You also failed to send me the information above within 5 days of initial communication of the debt which is required in Section XXXX XXXX XXXX XXXX XXXX ( g ) ( a ). I am disputing this alleged debt in the entire amount and with such dispute your company is supposed to cease collection of this assumed debt. Failure to cease to collect is a violation of the FDCPA. 
Please provide me with the above following information that is requested. 

I AM REQUESTION VALIDATION OF THE DEBT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. 
IT ALSO SHOWS THAT YOUR COLLECTION AGENCY IS NOT LICENSED TO COLLECT IN ILLINOIS. 

XXXX XXXX XXXX Notice to all, I am the consumer that I am, the consumer in fact, natural person, XXXX, XXXX, XXXX, living breathing woman, affiant, declare that I am majority and competent to state the matters set forth herein with first hand knowledge of the facts. 

Statement Of Facts : Facts that the Fair Debt Collection Practices Act protects me from debt Facts that the Fair Debt Collection Practices Act protects my right to privacy Facts that the Fair Debt Collection Practices Act protects me from misrepresentation Facts that the Fair Debt Collection Practices Act protects me from harassment and abuse Facts that the Fair Debt Collection Practices Act protects me from a debtor contacting me in any means directly Facts that the Fair Debt Collection Practices Act protects me from the legal actions by debt XXXX Facts that my consumer report is supposed to be fair and equitable to me as the consumer Facts that consumers are supposed to be informed on the use of credit Facts that I was not informed on the use of credit Facts that I was deceived in the transaction Facts that XXXX XXXX XXXX, is aware and has proof that Resurgent Capital Services XXXX, is in violation of XXXX XXXX Code XXXX ( d ) ( g ) ( a ) and XXXX ( c ) shown in Exhibits A & XXXX In XXXX XXXX, I here unto set my hand and seal on this day and hereby certify all the statements made above are true, correct and complete under the penalty of perjury in the laws of the United States Of America. 
By : XXXX XXXX
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BILL.COM, LLC (OH)

My name is XXXX XXXX. Owner of XXXX XXXX XXXX XXXX, XXXX. 

On XX/XX/22, Bill.com sent a business payment scheduled by their Client, XXXX, XXXX, XXXX XXXX XXXX to XXXX and XXXX XXXX, XXXX to an incorrect personal account number. 

Upon multiple request, Bill.com still have not resolved this issue. I have been legally counseled on this matter and was advised that Bill.com has to dispute there transaction with he receiving Bank ( XXXX XXXX XXXX ). 

This has been a HORRIFIC CUSTOMER EXPERIENCE with Bill.com and XXXX XXXX XXXX. Each financial institution has been pointing figures at each other for over 6 months with no resolution to have funds deposited into the account for XXXX XXXX XXXX. I have been humiliated by both financial institutions customer service representatives and managers when attempting to get assistance on multiple occasions. 

This matter has caused me Emotional Stress, Financial Issues & Damage to Business Practices. 

With over 6 months pleading with both financial institutions for this matter to be corrected, Personally, I have been bullied verbally and belittled mentally. 

We are victims! 

I never felt so small and powerless!