davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (MT)

I unintentionally left {$72.00} unpaid on my XXXX bill. On the XXXX bill, I paid {$180.00} extra, which covered my purchases and the unpaid balance, and was more than the amount described by Chase as " XXXX this by your due date each month to avoid interest on next statement 's purchases. '' On my XXXX bill, I was charged {$25.00}, even though my {$180.00} payment was received 5 days before the due date. The representative explained that all of my purchases after the XXXX bill were subject to an interest charge because of the {$72.00} balance, even though my payment was early and covered the unpaid balance. 
This was a Chase XXXX XXXX XXXX. Their " XXXX XXXX XXXX '' is misleading. T hey calculate interest daily on unpaid balances, PLUS all subsequent purchases. It's usury.
Consumer complaint received 2024-06-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (FL)

On XX/XX/XXXX at XXXX I went an an atm and tried to withdraw {$280.00}. The atm shut off and did not give me my money and I called cash app and they hung up on me and tell me they are closing my case.
Consumer complaint received 2023-06-19
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)

This is my 7th 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 accounts 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 Accounts XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$460.00}
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (WI)

Marcus by Goldman Sachs/GM Card refused my remittance coupon that was sent in with proper endorsement ( 31 CFR 328.5 & 328.6 ) and continue to rack up late fees and interest. They were going to close my account so I sent them {$1000.00} to keep it open ( and not have my good credit tarnished ) so that I could get the rest discharged properly. I called them and discussed in great length that I now know about something that has been hidden from people regarding everyone 's unlimited credit in this world and how banks can not loan assets ( 12 USC 1431 ) and the U.S. Treasury is obligated to make payments on the public debt ( 31 USC 3123 ). Our debts have already been paid by our XXXX XXXX XXXX trusts and they have received payment for that but then want us to also send in money from our cash accounts which is " double dipping ''. They call it a " gift '' but it is what keeps people down and out and living from paycheck to paycheck and makes banks rich. The big corporate banks are fully aware of this although most employees of these banks are not. There is no gold backed dollar anymore. In XXXX XXXX XXXX eliminated the ability to PAY our debts, allowing only for their discharge. Since this act of accepting payments twice for the same bill was never disclosed, I feel their contract is null and void ( 15 USC 1692c ( c ) ). People are becoming aware of this fraudulent system. It's right there on the IRS website : XXXX Unacceptable Payments and XXXX Bill of Exchange. Then there is the address that they are supposed to be sending these remittance transfer coupons to : Department of the Treasury Office of the Executive Secretary, XXXX XXXX XXXX, XXXX XXXX XXXX Washington XXXX DC XXXX.
Consumer complaint received 2023-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I saw an ad for a PayPal credit card with the option to not pay interest for 6 months. I called and spoke to a representative for more information and the PayPal agent confirmed explained how to apply. I plied and received the card. I then called PayPal again for instructions on how to use. I was told I must select the PayPal XXXX option on checkout from any retailer that accepts PayPal. So I did this. XXXX has the option PayPal and once selected it asked PayPal account or PayPal XXXX. I obviously selected the Credit version. 

Then PayPal decided not to use the credit account for which I had authorized and decided to use the regular PayPal account for which I did not authorize. They tried to take the money from a different bank account. I the. Tried to contact them and I was told there was nothing they could do about the error. Asked to speak to someone else and got nowhere. I asked my bank to block the payment since I was getting XXXX where with PayPal and they did as I did not authorize that transaction. Again I tried to contact PayPal but now the call wouldnt go through and my calls were being directed to a collections agency. I stopped all communication and made a complaint : XXXX But it was closed as they sent the request for more information to the wrong institution. PayPal is the institution that needs to respond.
Consumer complaint received 2024-06-03
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. (AZ)

Inaccurate Credit Reporting This notice is to inform you that due to various concerns regarding a lack of fair and accurate credit reporting. The information being reported has caused me damages.

This inaccurate credit reporting is a misrepresentation of my person. Reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers under the fair credit reporting act. It is my belief that the information being reported has NOT been investigated upon insertion to my consumer report. I am a private American and my person is trust property.

Furthermore, I am aware that the Secretary of State records all business transactions under the Uniform Commercial Code ( UCC ). I have attached a Certificate of Financing statement from ( Arizona ) Secretary of State. Search Criteria shows NO RESULTS FOUND for ( insert your name ALL CAPS ) to pay any financial obligation. I AM A CONCERNED CONSUMER WONDERING WHY YOU ARE REPORTING DEBT THAT DOESNT BELONG TO ME. 
XXXX, Experian, XXXX, you are reporting the below account ( s ) that are not an obligation to my name according to the Secretary of State.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (CA)

I have used cash app for more than two years with out any issues. Than one my account was town was compromised and I became a victim. I notified them immediately upon finding out and I filed disputes. It was blatantly clear that none of the charges that were accumulated in mind and then I made them charges and although this was the case cash out through there investigation decided to say or claim that there was no wrongdoing or no wrong charges and then went into retaliation mode and close my account and in doing so removed all records of previous transactions that were stored in my confirmation. I believe this was in retaliation to the fact of me find a dispute. I've been told by others prior to this day if you have a dispute their retirement and they just close your account because they don't want to pay out the money that they should be paying you back because they know they allowed charges to go through and they shouldn't have I find them being totally 100 % responsible and liable for all and the transaction event have occurred that were not authorized. I am in need of all my friends that were wrongfully taken to the return and for a heavy fine to be leveraged against this company for their participation in the criminal enterprising of fraudulent activity
Consumer complaint received 2024-06-22
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: Experian Information Solutions Inc. ()

Hard enquiries were done on my report without me knowing and i dont recognise any 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

Account # XXXX ( This is not a complaint ) Hello this was the best way I found in contacting Honda Finance. I want to buy another car with Honda but a previous car I had with Honda has a late payment on it and is making it difficult to purchase a car with Honda. I ask that u approve my goodwill letter in request to remove the late payment as I am much older now and am much more responsible and take my credit worthiness very seriously.
Consumer complaint received 2024-06-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (AR)

I have an cash app card and I noticed several transactions made to pulsz.com using my card and I didn't make any of them nor did I authorize anyone else to make them. So i contacted cash app while they were still pending to inform them they were unauthorized transactions and I also reached out to pulsz.com to inform them they transactions were unauthorized. So after I filed dispute and XXXX days has passed I contacted cash app to check status of my dispute cause I have not been issued a provisional credit yet and I wanted to make sure cash app was following the guidelines set my regulation e. Well everytime I try to speak with support staff none of then listen to me and do things I did not ask them to do. And none of them will acknowledge that they are required to follow the law of regulation e cause they keep telling me the dispute will take XXXX days and I keep informing them they only have XXXX to either decide or issue a provisional credit if the investigation takes longer it seems cash app is not doing what's best for their customers and possibly breaking regulation e laws.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/year> I had sent a payment of {$100.00} over PayPal for an item I was purchasing over XXXX. A few hours passed and I was sent {$400.00} from an unknown account and the seller was asking me to help in verifying his account by depositing the money into another account. Not knowing it was a scam I went ahead and helped out. I was then sent {$450.00} on XX/XX/year> and was asked to do the same thing, again I went ahead and did it. I only then learned on the next day, XX/XX/year> that this was a scam and then cut contact with the seller. I then called PayPal representative and relayed the situation and the assured me that I was fine and would not be in any trouble. The user who had sent me the money then filed claims against me saying that I had sold them something and they never received it. I escalated the claim and provided my side of the story. I then provided more evidence on XX/XX/year> and afterwards PayPal ruled in favor of the buyer.
Consumer complaint received 2024-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (CT)

Santander Consumer USA with account # XXXX Notice of excess state usury law interest rate. It has come to my attention that Santander Consumer USA are charging me an excess amount of interest rate that exceeds my state maximum usury law, the state of Connecticut maximum usury law on interest rate is 12 percent, on XX/XX/year>, I opened an auto loan with Santander Consumer USA and I was charged an interest rate of over 15 percent, I am not sure if Santander wilfully or fraudulently or if this was an honest mistake but you Santander Consumer USA has charged me way above my state maximum allowable usury law interest rate, I am here by seeking full remedy in excess of my state usury maximum allowable interest rate of the difference over 12 percent, all payments made in excess of my state usury maximum interest rate I want back in full goes to the principal and the auto loan.
Consumer complaint received 2023-12-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (MI)

Looking at my credit report they claim to have closed/charged off/AND wrote off the vehicle in question. Now they are harassing me daily about repossession when it says its closed and written off. I have copies of the original documents i signed buying the car that states no oral agreement is binding however, the number they give me via email and text when i call to work out a settlement they will not put it in writing. They blatantly lied to XXXX about their reporting and behavior they told them that if i gave them approx {$5000.00} on my good faith theyd then write me a letter for settling for XXXX which is way more than the car is even worth, the amount is nothing ive ever signed on i have paid on the car they have several class actions for this exact behavior that they are continuing. They tell me on the phone if i give them the {$5000.00} number that theyll take that money off the settlement and renegotiate but will put nothing in writing and ill be attaching the portion of my binding agreement and the lack of the same information, the reason i am behind is because i am XXXX XXXXXXXX, i have been doing my best to make everything right since i had to wait for a year and a half to get any income. They want me to somehow resume a {$500.00} a month payment this isnt possible with my limited income. I really need actual assistance with this, this is an ongoing issue with santander consumer usa and if you see all the class action theyre known for this : i would like to know if my car can be taken or what since its wrote off charged off and closed not even out for collection or anything. I need it to get to the doctor. I am very sick and doing my best. This is also being incorrectly reported on my credit score and keeping me homeless and XXXX. The XXXX XXXX in charge of the multistate class action says the attorney general is in charge and needs to be aware theyre still doing the same vile behavior after all the class actions
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US Department of Education The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand this account be deleted from my consumer report.

Best regards, XXXX XXXX
Consumer complaint received 2024-01-07
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. (MD)

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy. Pursuant to 15 USC 1681 b2, this company has no permission to report anything using my information pursuant to 15 USC 1681 4.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (MD)

I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
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: BTH Management (OH)

My credit has been negatively impacted due to the creditor selling my account to a debt collector without providing accurate information or following legal procedures. According to 15 U.S.C 1681 there shouldnt be any damages to my credit profile. I unauthorized sharing of my personal details, the lack of communication regarding the debt, and the absence of a 1099-C form, which could invalidate the debt.
Consumer complaint received 2023-10-20
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.