davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Wildhorse Financial Services, LLC (IL)

On XX/XX/year> I submitted a refinance application to GRAVITY LENDING out of XXXX XXXX. On XX/XX/year> I received an email from GRAVITY LENDING stating that I was approved with XXXX XXXX XXXX XXXX, however the XXXX was requiring a {$950.00} down payment. 

I spoke with XXXX XXXX and began going through the process of the refinancing with these terms, signed paperwork via XXXX and overnighted a power of attorney they requested for XXXX paperwork. 

On XX/XX/year> I got a text message from a XXXX XXXX stating that he worked with XXXX and was sending me some forms they needed. I got the email and it was requesting XXXX point of contacts with their name, phone number and home address. He also requested a payment of {$950.00} and another payment of {$10.00} for the member fee to open the account with XXXX XXXX. 

I replied back to XXXX via text and email the same day, and never heard back. Something triggered me to call XXXX XXXX and speak with their underwriting department about this loan, and I'm very happy that I did. 

On XX/XX/year> I spoke with XXXX, a senior underwriting agent at XXXX XXXX and was advised that the approval I had with them DID NOT require a {$950.00} down payment as GRAVITY LENDING had stated, and he went on to say he was request in writing from them showing what exactly the {$950.00} payment was for, as GRAVITY LENDING states they DO NOT charge any fees. 

I emailed XXXX XXXX, XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX about this on XX/XX/year>. Shortly after the email XXXX XXXX replied with " I apologize for any confusion this may have caused, we would not ask for a down payment if the vehicle was within loan to value ratio guidelines. I'm looking into this and will give you a call once I have this figured out. I assure you we do not have a loan origination or processing fee, if any fees are included they are disclosed to our customers up front. XXXX does not have a lender fee, and we don't either. 

I will give you a call after I follow up with XXXX as well as the underwriter. '' As of this complaint filing, I have NOT heard back from anyone at GRAVITY LENDING. The loan agent I was dealing with has not replied or called back either, as I left her a voicemail this morning at XXXX XXXX XXXX 

I can't help but feel as though I have been lied to, and that GRAVITY LENDING attempted to defraud me out of {$950.00} claiming it was for XXXX XXXX, in which it WAS NOT a requirement from XXXX XXXX at all per their underwriting department.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

Barclay bank was paid a total of {$5000.00} in XXXX of XXXX for the XXXX XXXX  XXXX. The bank claims we only paid {$3000.00}. We have submitted documentation from our bank of the online transaction indicating the money transfer. Barclays refuses to acknowledge the payment. On XX/XX/XXXX we got a letter stating that they will credit us back the {$2000.00} and on XX/XX/XXXX we got another letter stating they will not process the reimbursement We have asked to speak to the investigator on the case and we are not allow to know the person looking into the case. The letters we get do not specify any person or details of the investigation. We are not given any information detailing their findings. We have reached out to XXXX XXXX which we used to transfer the money from and their system shows the payment but Barclays is not accepting their transaction proof. 

We have made several phone calls and faxed our back account statement showing proof of payment. We have asked several times for the case to be investigated by the fraud department but we still only get general letter denying our claim.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (MI)

FAMS contacted me in XXXX, harassing me to pay them for a debt that was not validated ; they even threatened, stating, " They are going to garnish my income if I do not pay them. '' Out of fear, I paid them {$340.00} to settle this account because I was unaware of my protections in the FDCPA, Michigan consumer protection laws, and the CFPB regulation F rights. On XX/XX/year>, I communicated with FAMS and spoke with an agent named " XXXX XXXX '' informing her that I was inserting my consumer protection rights and that I demanded a refund because this company violated the FDCPA ( 15 USC 1692 et. seq. ), Michigan consumer laws ( MCL 445.901 et. seq. ) and Regulation F ( 12 CFR Part 1006 et. seq. ) ; this company is not licensed to collect a debt in XXXX as XXXX XXXX requires it of Licensing and Regulatory Affairs according to XXXX XXXX XXXX XXXX see attachment for proof. These deceptive and unfair practices have caused significant damages that have caused me not to be able to feed my children and pay bills, including statutory damages. I do not owe this company, and this company misrepresented the amount that was alleged to be owed to them, all while using threatening subterfuge tactics for their gains. I informed the agent on the call I would be filing a CFPB and XXXX  Attorney General complaint. Therefore, CFPB, I will contact my state 's authority ( XXXX ) and the XXXX XXXX XXXX regarding this issue. XXXX 's failure to honor my fair resolution of the complaints will leave me no choice but to pursue legal action in federal court. Thank you.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I Am the victim of identity theft and several account, personal information and inquiries have been reported to my consumer report. I have addressed this issue with multiple creditors. I want to make sure that your company is not validating fraudulent and inaccurate information.
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (MI)

Hi. I have a fairly new account with destiny card. Ive tried contacting them numerous times but cant get a hold of anyone even after being on hold for over half hour. I havent made a single charge on the card and the few times Ive tried it always declines but somehow my bill is $ XXXX and just keeps going higher. Ive called many times, I filed a dispute through XXXX XXXX XXXX and even sent a fax simply asking for them to just close my account. At this point I dont even trust having a card with the company, cant get a hold of customer service AND my bill just keeps getting higher without ever charging or using a single penny. Its ruining my credit too. Please help.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/year> XXXX XXXX {$16000.00} information amount incorrect. 
XX/XX/year> XXXX XXXX  amount is incorrect XX/XX/year> Capital one Information amount is incorrect
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (CA)

I was told no foreign transaction fees and no fees whatsoever with business account by XXXX XXXX XXXX. I was charged foreign transaction fees. I believe XXXX is telling people false information about checking accounts to get more customers. Account was opened XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number of XXXX XXXX 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: EQUIFAX, INC. (CA)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, called Capital one to make a monthly payment of XXXX. My balance was XXXX. It isn't a card that I use much, and I only have a credit limit of XXXX. 
They wouldn't let me pay it because there was fraudulent activity on it that I didn't know about. I told the representative that I still needed to make my monthly payment because I didn't want it to be late. He said no, and insisted that I wait until my new card arrived. 
I recieved my new card by mail on XX/XX/XXXX. I activated it and now I have a balance of XXXX and a minimum payment of XXXX. I called them and explained that one of their representatives wouldn't take my payment on the XXXX, and I was instructed to wait until my new card arrived, they pretty much said that it didn't matter, and because the payment was late, not only did my minimum payment go up, but they also doubled the charges that had been charged to the card! What? I have several credit cards, I have never heard of such a thing. And when I spoke to the mgr, he did not want to take any responsibility for their representative dropping the ball and not letting me make my payment on the XXXX. It all sounds very fishy.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear XXXX, XXXX, and TransUnion, I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX {$0.00} xxxxxxxxxxxxx XXXX This account is too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} xxxxxxxx XXXX XXXX decree states that this is no longer my account. Also, this account is too old to report XXXX opened XX/XX/XXXX. Please remove this inaccurate information from my credit report. 

XXXX XXXX {$3200.00} xxxxxxxxxx XXXX This account is also too old to report XXXX opened XX/XX/XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX {$15000.00} xxxxxxxxxxxxx XXXX This account is too old to report XXXX opened XXXX XXXX, XXXX. The account information is being reported inaccurately on my report. Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I insist that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-07-30
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 requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, XXXX did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : 11 XXXX )
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I paid my credit card statement of {$300.00} in XXXX of 2024, reducing my balance significantly. However, the payment was reversed a month later, and now my balance has increased to {$670.00} and the account was closed with no explanation. Theyve been charging me interest every month since then so my credit utilization shows a staggering 227 % which is false information.
Consumer complaint received 2024-07-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 informationisinaccurate.
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (WI)

I have been having to transfers my monthly Social Security, ( which is available on the XXXX of the month, unless that falls on a weekend or holiday, then the date changes to the closest, previous weekday ) from my checking account at CHASE bank, to my XXXX XXXX account at XXXX XXXX XXXX XXXX, in XXXX XXXX, Wisconsin. I have been a XXXX customer since XXXX. I have been having to do this since the summer of XXXX, when I moved to XXXX Rivers, where there is no close CHASE bank. I have had no problems with the transactions, until this year, XXXX, when on XXXX separate occasions, my money has been available but they dis not complete the requested transaction, claiming that the money was not available, even though a request made for a transfer on the XXXX, or appropriate date, did not make the money available for XXXX to XXXX hours following the request, which means that they held my money, even though it was available. ( I assume to collect extra interest for having it in their institution. ) On the XXXX transactions where my money was available, showing it physically, in my account, not pending deposit, I incurred overdraft fees at my credit union for insufficient funds, in amounts of {$26.00} for each occurance! This has caused me great financial hardship, as well as much stress, not knowing that the funds promised were not transferred. I am at 17 % below the poverty level regarding my monthly income, and am very careful with my spending. Until XXXX started withholding my available money, I never had an overdraft! I have been trying to get my Social Security Retirement Benefit deposited directly into my account at XXXX XXXX XXXX XXXX, but have not been able to do so, first, because of XXXX, and now because I am missing information needed to do the transaction, due to theft of all of my belongings, including my banking records. Up until recently, when I requested a money transfer, the money was made available to me the same day, if there were sufficient funds available! I believe that this behavior, by CHASE BANK, failing to complete these transactions, in a timely manner, is FINANCIAL EXPLOITATION OF THE ELDERLY!
Consumer complaint received 2024-07-15
Product: Credit card — Store credit 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: Affirm Holdings, Inc (MD)

Used Affirm card to purchase XXXX furniture ( which they suggested ). Furniture was on back order while credit card payments continued. Ultimately, furniture was damaged and returned. Reordered same furniture and was back order again and without my notification, the order was canceled. Now requesting refund from XXXX ( to the Affirm card ), but has been rejected twice now. 

So, I have paid XXXX  with the card and do not have a physical piece of furniture. Original purchase was in XX/XX/2023.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX American Express Card XX/XX/2024 XXXX  Call : I called to ask about my credit card balance because the numbers weren't adding up. The woman on the phone told me that I had been overpaying, and my balance in my XXXX XXXX  Account is {$9700.00}. She told me that the only way I can access that money is to skip two months of payments ( XXXX and XXXX ) and pay the third month ( XXXX ), and continue doing this until all the money in my XXXX XXXX Account was used. During the two months that I don't pay, the minimum amount due will be taken from my XXXX XXXX  Account. Then the interest on the rest of my account balance would accrue and be taken out of my XXXX XXXX Account. Once I deplete the funds in my XXXX XXXX Account, I can opt out of the XXXX XXXX Program. If I overpay again in the future, they will send me a check. 

XX/XX/2024 XXXX  Call : I spoke with a man and told him I would like a check for the full amount that is sitting in my XXXX XXXX  Account, {$9700.00}. He confirmed that I do have that balance in my XXXX XXXX  Account. He said he can not issue me a check. He said the money in the XXXX XXXX  Account was being applied to my ending balance. I asked him where in the statement it shows that the ending balance is paid from my XXXX XXXX Account, and he referenced the paragraph at the bottom of the statement. I pointed out that that paragraph has no dates, no numbers, and so I have no way of tracking anything that is happening with my money, nearly {$10000.00}, sitting in that account. I said there are no line items on any of my credit card statements that reference the XXXX XXXX Account. Again, he referred me to the paragraph at the bottom of the statement. When I wasn't satisfied, he wanted to read me the paragraph out loud. I told him I have read the paragraph numerous times, and that it doesn't provide any of the information that I have been told about the XXXX XXXX Program today. I told him that it sounds like I am not going to be getting a check for my money, so I will begin filing complaints and contact my attorney. He continued trying to convince me of the validity of the XXXX XXXX XXXXXXXX, but I hung up.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (FL)

I reviewed my consumer reports and noticed that I had two late payments o. An account that I was never late for consumer reporting agencies have assumed a vital role and have responsibility to Report consumer information to the best of their ability with maximum accuracy I have never bee late on payments for the account please investigate and provide report credit showing that thank
Consumer complaint received 2024-08-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I got a collection notice dated XX/XX/XXXX from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX {$2500.00}. I disputed it online at amsherconsumer.com on XX/XX/XXXX and never got a response. I explained that I never had a XX/XX/XXXX account and this must be an identity theft issue. It has shown up on my credit report reducing my XXXX XXXX by over XXXX points!