davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

My credit report is showing a collections, from Midland Credit Management XXXX. I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.
Consumer complaint received 2024-07-18
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. (NC)

I've had the card over a year. Payments never late, always pay a bit over what's due, no issues. Citi pulls my credit report and after every payment, they lower my limit to the balance due. It was lowered twice just in this past week, even though everything is current and I've had no issues. They lower based on pulling your credit report and not your history with them. Then they have no customer service to address it and you're told you have to wait for a letter that only states it's based on your credit report. They are doing business based on what could possibly happen, not on your customer history. Very unfair business practice. Why even give the card if you aren't allowed to use it to build history?
Consumer complaint received 2024-07-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: GOLD STAR MORTGAGE FINANCIAL (CA)

i reached out to gold star financial for an fha loan on a property and everything with the application process went smoothly, up until the pulled my credit i had under XXXX and they said because of that i wont qualify for the fha loan and they where going to refer me to a credit union non fha lender instead, according to the hud website and representative i spoke to if i have less than a XXXX XXXX XXXX i qualify with XXXX percent down which i stated i could do, their actions and responses go against the hud guidelines i reached out to them and they doubled down on the fact under XXXX not allowed for their fha loans which is a direct violation of the policies set in place by hud i feel discriminated against i could afford the loan and qualified for the credit on my income yet they refused me simply because their qualifications go against the rules they should not be allowed to do this
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (VA)

Complaint Regarding Incorrect Interest Charges on Balance Transfer and Violation of VCPA In XX/XX/year>, I initiated a balance transfer with XXXX for {$15000.00}, which I subsequently reduced to {$7200.00} as evidenced by the attached statement. This amount was designated to accrue no interest according to XXXX. However, in XX/XX/year>, my statement indicated a total balance of {$9700.00}, including the {$7200.00} supposedly interest-free. Despite making a payment of {$4000.00} before the due date of XX/XX/year>, I was charged {$84.00} in interest, which I believe to be inaccurate. 

I assert that this charge is erroneous, as my statement reflected a payment in full before the due date. I am attaching relevant documents to support my claim. I respectfully request your intervention in rectifying this matter, as it appears that XXXX may be engaging in deceptive practices through their balance transfer program. I am seeking clarification on the interest status of the amounts stated on my statement that XXXX claims do not generate interest. 

Furthermore, it is my contention that XXXX 's balance transfer program may be in violation of the Virginia Consumer Protection Act ( VCPA ), particularly XXXX ( A ) ( 14 ) concerning deceptive business practices. The discrepancy between the advertised no-interest balance transfer and the actual interest charges applied undermines the transparency of the offer, potentially constituting a " bait and switch '' tactic. 

I appreciate your prompt attention to this matter and look forward to your timely resolution. Thank you for your assistance in addressing this issue.
Consumer complaint received 2024-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (ID)

Company asked me to pay late fees and would move payment due to end of loan instead money paid was applied to principle and fees continued to grow have tried to work with them for over year and a half on this. My main complaint is that they call me 3-4 times a day phone record as proof witch violates the law of no more than 7 calls in a 7 day period or subject to {$10000.00} dollar fine per violation. I would like to move forward with a formal complaint. And have these fines imposed
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2019-07-17
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: A-1 Premium Acceptance, Inc. (NM)

king of kash keeps calling my work and have been told our company does not accept these type of calls and I am going to lose my job because of it. constant harassment when told to stop calling place of employment. they said they could call whomever and tell them about the debt, calling at all hours and interrupting work. I have asked repeatedly to stop calling my place of employment and they continue
Consumer complaint received 2024-07-18
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: National Credit Systems,Inc. (NV)

I am writing to bring to your attention a concerning issue regarding inaccurate information on my credit report that I have been diligently trying to correct. Despite my repeated efforts to dispute and rectify this misinformation, it continues to be verified as accurate by the credit reporting agencies. 

I have followed the proper procedures outlined by the Fair Credit Reporting Act ( FCRA ) by submitting detailed disputes with supporting documentation to the credit bureaus. However, the inaccurate information persists, negatively impacting my creditworthiness and financial standing. 

I am seeking your assistance in investigating this matter further and ensuring that my credit report reflects only accurate and up-to-date information. I believe that the continued verification of this erroneous data is a violation of my rights under the FCRA, and I am hopeful that the CFPB can help me resolve this issue promptly. 

Thank you for your attention to this matter, and I look forward to your assistance in correcting this persistent error on my credit report.
Consumer complaint received 2024-07-18
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (GA)

XX/XX/year>, paid the last amount of {$24.00} or greater amount. I email, talk to customer services, and no one from Forever 21 will remove the charges of which I have a XXXX balance. I have been sending email to Forever 21 since XX/XX/year>. I have also text Forever 21. I am being charge each month, and totally ignore. I also request the account to be closed. Forever 21 continue to ignore my emails and request. I am being bully into paying a bill which is a XXXX balance. Forever 21 have no regards for past customers. Forever 21 refuse to listen to me. I believe my pass information have being stolen, and Forever 21 are not reporting of what has happen.
Consumer complaint received 2024-07-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (UT)

I received a {$25.00} gift card from my work. I can not use it anywhere and when I attempt to register it from the company ( XXXX ) it says please try again. It seems that this is happening to a large number of people with this company, as there are tons of recent forums on XXXX regarding them, and I think they are intentionally committing fraud hoping most people just don't care and follow up.
Consumer complaint received 2024-07-18
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: Bread Financial Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SOFI TECHNOLOGIES, INC. (IL)

I applied for an SoFi Bank XXXX XX/XX/year>. On XX/XX/year> I received a written notice from SoFi Bank XXXX. that my application was denied. On XXXX XXXX I sent the underwriter a letter requesting my application be manually reconsidered, according to 15 USC 1602 ( l ) and 15 USC 1681 ( a ). I received another denial. The specific reason ( s ) as to why I was denied is irrelevant because I have a right to credit and withholding my securities is securities fraud!! SoFi Bank XXXX. is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! I also call XXXX and told the supervisor about the securities fraud, He said it nothing he can do, and to call Utah and tell them, but he gave me no directives as to who to contact or what department to contact. I was asking for ADVERSE ACTION. SoFi Bank XXXX. unlawfully refused. SoFi is in violation of THE FEDERAL EQUAL OPPORTUNITY ACT, I have been discriminated against as a credit applicant. 15 USC 1602g can not ask for social security number for a loan, its fraud. Per 12 CFR 1002.4, I was denied a manual review. 
15 USC 1691 any adverse action in consumer credit transaction is illegal.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (IL)

According to 15 USC 1602 ( L ) and 15 USC 1681 ( a ), I was illegally denied my own credit, Discover use my social security number and my signature and application as an asset and denied me my own credit. This is securities fraud. Corporation are not supposed to use my social security number. 42 USC 408 can't ask for social security number on loans, it's fraud. 15 USC 1692e false representation, 15 USC 1681b identity theft. All these are violations of the United States codes. My civil and consumer rights have been violated. Fico scores are illegal. FDCPA section 611. Also violation of the Fair Credit Act. My denial of my own credit is illegal. Securities fraud
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (RI)

Dear Spring Oaks Capital ; XXXX XXXX  ; & Cfpb ; I am writing to address an alleged debt that I have no knowledge of and believe to be fraudulent. I have never engaged with your companies or the original creditor, nor do I recognize any contractual obligations with them. The inaccuracies in this account 's reporting violate FCRA and FDCPA regulations. 

To resolve this, I insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, and proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this matter. 
Legal basis for your collection of this information and debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. I also request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection. 
1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I was emailed by American Express notifying me that my American Express platinum card ( ending in XXXX ) was terminated by American Express. No reason for the cancellation of my card was provided. In the cancellation email sent to me on XX/XX/XXXX, American Express notified me that I had 90 days to redeem the XXXX American Express membership rewards points that I had accumulated. That same day, I logged in to my American Express rewards account in order to redeem the points. I was alarmed to see thad I had no option to redeem the points. I then called American Express 2 days later on XX/XX/XXXX at the phone number provided by American Express on the cancellation email to redeem my points. I was falsely told by American Express that I could not redeem the points, not online nor on the phone and that the points were completely gone and I would never get them back. In a subsequent recorded phone call with American Express on XX/XX/XXXX, American Express reversed itself, admitting that I was told incorrect information that prevented me from redeeming the XXXX American Express XXXX now says I could have redeemed the XXXX points during the 90 day window after my closure. They didn't see how this could have been done when no online option to redeem the points was available and that I was told over the phone that I could not redeem those points. I shared with American Express that the email promised me 90 days to redeem the points and that I was not given the option online to redeem the points and that when i called in to redeem the points as I was instructed to do, I was prevented from redeeming the points. American Express declined to reinstate these points, which are valued at over {$10000.00}.
Consumer complaint received 2024-07-23
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: JPMORGAN CHASE & CO. (GA)

On XX/XX/year> I noticed a hard inquiry added to my list of inquiries on XXXX XXXX that I did not do. I called the credit bureau ( Chase Bank ) in regards to this. They were able to inform me that my social security number was stolen and that someone had applied for a credit card but the application was denied. An incorrect address was also added to the application for the credit card. I would like to dispute this inquiry sincerely. Thank you.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Guglielmo and Associates (NM)

I entered into an agreement on XX/XX/XXXX, with Guglielmo and Associates to make payments on a debt totaling {$1000.00}. The terms agreed to stated that payments must be made to the office by the XXXX of each month until paid in full. The Stipulation of Judgement states that if the agreement is defaulted on, court costs, lawyers fees, and interest will be added on to the total amount, and the Judgement will be filed with the court. 
On XX/XX/XXXX, I called the office of Guglielmo and Associates and informed them my payment for XXXX would be late, due to medical reasons. The associate I spoke with told me that would be ok, and they would note in my file that a payment was arranged. I made a payment online for {$50.00} on XX/XX/XXXX, proof of which is attached. On XX/XX/XXXX, I received a letter from Guglielmo and Associates, dated XX/XX/XXXX, titled NOTICE AND DEMAND RE : GARNISHMENT, demanding full payment of my debt ( {$850.00} ), plus " Attorney fees '' ( {$240.00} ), and " Interest '' ( {$35.00} ). I did not receive any written notice of Execution of Judgement. The letter stated that " to arrange a possible resolution to this account prior to further legal action contact our office ''. I called, spoke with an associate about the letter I received, informed him I had made all my required payments up to this point, and that I had not received anything telling me that I had defaulted on the Stipulation of Judgement. He said that he " just restarted my payment plan '', and agreed that I had made all the required payments. He also told me that " something '' had been mailed to me. When I told him I hadn't received anything and asked for it to be either mailed again or emailed, he told me it couldn't be sent again. When I objected to the additional fees being added on to my account, he said he " couldn't do anything ''.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

Somebody XXXX XXXX there self money without my knowledge she XXXXXXXX XXXX herself {$200.00} then she XXXXXXXX XXXX herself {$500.00} the date when it happen was XX/XX/year> I called Wells Fargo report as fraud & scam also she scrammed me on XXXX she sent herself {$1000.00} from my bank Wells Fargo I called customer service she got ahold of my information Im very upset about this thats my money out of my bank account
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (RI)

I called and informed them I did not authorize Wells Fargo Bank to do a hard inquiry on mu acct. XXXXXXXX XXXX XXXX XXXX has since closed, and they could not verify. They refused to remove. I advised them, I would file a complaint.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (VA)

In XXXX of this year, my wife opened a Marriott Branded Chase Visa credit card in order to take advantage of their sign up bonus offer : XXXX Marriott points after spending {$3000.00}. As an authorized user of the card, we satisfied this spending requirement within the XX/XX/24 - XX/XX/24 billing cycle. The Chase statements state the requirements have been met however, the bank will not transfer them to Marriott for redemption. We have been back and forth with both Chase and Marriott and both companies blame each other for the points not transferring over.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc. (ID)

On the weekend of XXXX XXXX XXXX I over paid my credit card. I paid off the balance twice on accident. I now have a large credit, but they will not let me access it with the credit card, they blocked it. They also tell me a check refund is more than 20 days away. They will not issue me a new card, or tell me why my card is blocked. I was willing to use the overpayment on bills, but the card is blocked. The customer service agent says they are going to send a refund in the mail because they wont take the hold off the card. I didnt want that, but they could barely speak XXXX and must have misunderstood me, or decided my wishes didnt matter.
Consumer complaint received 2024-07-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (MD)

I received an email on the XXXX of XXXX stating I needed to change my password because an XXXX XXXX had access my account in XXXX. Then I received an email today XX/XX/XXXX stating that my first payment is due on XX/XX/XXXX for my installment loan. Upon further investigating I found out someone took out a loan for {$500.00} and the repayment is {$580.00}. At no time did I do this. I called the company and asked to speak to the fraud department and they keep giving me the runaround saying someone will call me but then XXXX hours no one has called me yet. I was told by the representative that the person that took out this loan their name was XXXX but they put my information in
Consumer complaint received 2019-11-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I sent money through XXXX for what I thought was tickets to XXXX XXXX. I was promised tickets for me & my kids. I sent the money and never received the tickets. I was scammed out of {$1000.00}. My kids were left devastated. I reached out to the scammer several times and was blocked. Attempted several times to request the funds back through XXXX & Chase. Each attempt was declined by the scammer. Chase sent me a text asking if the transaction was valid and I immediately called them and said no that it was in fact fraud. An investigation was done and they were supposed to reach out to the scammers bank and request a courtesy refund, but that never happened. Chase basically told me that they could do nothing to recover the funds.