davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (FL)

There XXXX XXXX  salesman came to my door back in XX/XX/2023 selling equipment. An alarm systems for XXXX XXXX and I agree to pay for everything through XXXX, which was {$76.00} a month after that I had this company to call me and tell me that I owe them for the equipment, which I never agreed to pay them anything I was supposed to be getting everything through XXXX  I didnt know nothing about for XXXX. I never signed anything to pay them that one penny I didnt sign any contracts with Fortiva to pay them anything for that equipment because everything was supposed to be included with XXXXt at one time charge monthly then all of a sudden this XXXX company came out of nowhere saying I owe them for the equipment and I have already talked to them and told them that is wrong I did not agree to it and right now theyre still sending me information through my email trying to give me to get a credit card with them and I am not applying for it so therefore, if they dont get this fixed if you guys dont get it fixed, Im taking for XXXX to court for doing that because that is not right. They just come out of nowhere. as though I was scammed set up after I got the alarm system and here I am, theyre saying I owe them for the equipment, which they never told me anything about Fortiva XXXX I dont even know anything about that company so if we have to, I would definitely take them to court and sue them for the {$2000.00}. If they say I owe them for the equipment that I did not agree to because if that was the case, I wouldve went alone with Aty when I had already received their alarm system, and the guys came around his selling that equipment the systems I thought it was a great deal. I signed everything for XXXX all of a sudden this other company come out saying that I owe them money for a credit card. I never even said anything for them or even had a credit card with them, so look into it and asked them to show them where I signed for anything because I did not assign and agreed to pay another company for alarm system and then paid XXXX  for just for something for their services no I did not agree to do that. Just like to bill just for an alarm system and I did not agree to do anything like that.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (SC)

JPMORGAN CHASE bought my mortgage from XXXX XXXX and since then has demanded twice that we purchase additional FLOOD INSURANCE for a XXXX XXXX XXXX. XXXX XXXX never had any problems with the Insurance Policies and found that the Building Insurance and our Individual unit insurance policies were more than adequate for State Law. 
Additionally JPMORGAN CHASE has onerous communication options that do NOT permit speaking with a human being/customer service representative. Everything must be done by uploading documents or faxing documents. There are NO options to speak with someone to resolve such matters.
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (KY)

Someone tried to charge my bank account {$700.00}. XXXX XXXX XXXX  called me and I went to the bank the next morning and we found that someone had opened an Apple credit card under my name as well.
Consumer complaint received 2023-08-25
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: CITIBANK, N.A. (MA)

Dispute ID : XXXX Amount : {$390.00} On XX/XX/2023, I submitted a dispute for a pair of sunglasses that broke due to what appears to be an apparent manufacturing defect within the return period and the merchant refused the return request. 

On XX/XX/2023, I submitted additional evidence as requested by Citi. I included all the photos, email exchanges, and annotations stating what happened in a PDF file. This is as complete as possible. 

On XX/XX/2023, I emailed Citi dispute department to follow up as the case has not been updated to show they received the additional evidence. 

On XX/XX/2023, I received a letter from Citi stating that my dispute failed because " we did not receive a complete response ''. Citi did NOT say what is missing and did NOT give me a chance to add more evidence. They simply say " we are unable to assist you in this matter ''. And now I am on my own to dispute with the merchant.
Consumer complaint received 2024-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (AZ)

My mortgage lender was XXXXXXXX XXXX They wrongly force opened an escrow account with a balance of {$3700.00}. An additional {$430.00} per month. I had already paid my property taxes to the treasury and had been paying my own home insurance. I told them I had already paid this and to please close the escrow account. They refused until it was paid off. I contacted the state of Arizona and got a refund on the property taxes I paid. Once the escrow account was close to being fully paid off XXXX then sold my loan to Round point Mortgage. Round point mortgage received the escrow account despite it being paid in full and they now refuse to close the account. The escrow account now has a positive balance. All while I still pay my own insurance and property tax. They are stealing $ XXXX from me which is over $ XXXX per year for things that I am currently paying for myself. I filled out a escrow cancellation form with them and they declined it. my mortgage payment is still {$430.00} higher than it should be, and I am STILL paying my own insurance and property taxes. I will seek legal action next.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/year> I wired XXXX to a Chase Bank account in XXXX, New York to XXXX XXXX XXXX XXXX XXXX for car parts. I never received the parts, the account was a scam XXXX XXXX XXXX XXXX set up a fraudulent account at a Chase Bank. I have been fighting for my money back for two years. I called everyone from the Attorney General to the Chase Branch office.
Consumer complaint received 2023-08-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (ME)

In XXXX, I closed my account with XXXX XXXX due to the fact that I never had service and my phone always said mobile network not available. I only had the phone for a few months and made several attempts to resolve the issue via customer service, which never fixed the problem.. I went in to the XXXX  store on three occasions to update and receive a new phone. My account was locked? they dont know why, but i never received a new phone. I also made a payment to them in XXXX for {$36.00}. and change for the service and another {$58.00} and change in XXXX to upgrade my phone, that never happened.XXXX charged another month on XX/XX/XXXX for {$36.00} and change after I had closed my account..I asked XXXX  to send me a paper invoice and I would be happy to pay the balance. I was told, " we don't XXXX  paper statements ''. So this account was turned over to : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Mo XXXX. They made numerous calls to me and I told them I would not pay for the amount is incorrect. So they contacted XXXX and filed a collection report against me for over $ XXXX the new amount to file a collection report. 
On XX/XX/2023 I filed a dispute with XXXX stating the above information and it was deleted from my report, but not after losing XXXX points on my credit report. My report number to XXXX is XXXX After I was contacted by XXXX about the deleted collection report, I contacted the collection company and requested that they contact XXXX and report their mistake. I think that they fudged the bill over {$100.00} so as it would be included on my credit report as a collection of a debt.
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OneMain Finance Corporation (IL)

I took out a loan from One Main Financial, against my XXXX XXXX XXXX convertible in XX/XX/XXXX. The loan was paid off by summer of XXXX. I have been requesting the loan release letter or for the letter of release to be sent to the Illinois XXXX of XXXX for nearly 2 years. The car was in an accident, totaled out and still can not get the lien release letter. I have called, emailed and submitting a request on " contact us '' to One Main Financial. I have spoked to the XXXX XXXX ( XXXX ) at the XXXX XXXX, IL XXXX 3 times. She keeps saying that she's requested the letter to be sent to me, but it is never sent. This must end. The loan was satisfied but they are holding my asset as the XXXX holder.
Consumer complaint received 2023-12-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I found out a " guest '' online at Kohls ordered {$480.00} and change for boys/mens school clothes bookbags etc. on XX/XX/2023 and had it sent to Ohio Kohls store to be walked out to their car and the transaction was done on my account without my knowledge for almost 2or 3 weeks. I found out when I got an email on the 3rd from Kohls asking to rate my purchases. I then tried to log into my accounts and the password was somehow changed as well. I did finally get to see indeed I was charged for the above amount. Note also that my Kohls card stays at home as I don't use it much so the only way for someone to get it is by theft at a store where I used my license to pull up the account at customer service or a data breach that has my info listed. Capital one is the bank involved and I did receive a check for the data breach on the day or day before I found out about the theft. So I don't know how exactly the person got the info. 
I reported it to the Federal Trade Commission and filled out the form requesting immediate reply of all of the info Kohls has/had on the theft. Kohls has refused to send me any info. regarding this other than what I was told by " XXXX '' in a chat that gave me the amount of the theft and the store number of where the thief picked up the merchandise. As of today, XXXX.I still have NOT received the info requested on the Federal Trade Commission 's form I sent back around the XXXX  of XX/XX/2023 when I found out. It was received according to my tracking on XX/XX/2023 by Capital One 's agent ( the bank for Kohls ) but I have gotten nothing in reply and am getting lots of spam emails from " Kohls '' about that. " I won.. '' I haven't entered any contests with them and lots of other fake theft emails since the Capital One data breach. 

I need to know who stole my account and all information in order to have them arrested and to find out how much of my info is out there being seen. Capital One/ Kohls are not cooperating and have been alerted 3 months ago!
Consumer complaint received 2024-06-20
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: CLGF Holdco 1, LLC (NV)

On XX/XX/year>, I wrote a letter to Concora Credit regarding charges I found on my XXXX statement were fraudulent. I never received a response. 

I get my XX/XX/year> statement, no adjustments are made and I made my minimum payment due. 

XX/XX/year> statement arrives, charges are STILL not adjusted, the account has not been closed as I requested and I'm accruing interest in charges that weren't mine. 

XX/XX/year> I wrote a 2nd letter requested a 2nd time to close the account, adjust the fraudulent charges and mail me a new card. No response again. 

It is now XX/XX/year>, no response has been forthcoming by the credit card company which leaves me with no resolution other than to file a complaint with CFPB.
Consumer complaint received 2023-12-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc. (FL)

I took out a loan on XX/XX/XXXX with due dates that were supposed to be when I get paid. Advance America tried to withdraw the money on the XXXX but payday was the first. I could have transferred money from another account. I have sent Advance America proof of the change in payday multiple times through their website, the last being XX/XX/XXXX and they have yet to make the change. I noticed the missing payment on Friday and immediately made a payment via debit card on their website. Since then, the company has not left me one voicemail. However, yesterday, they called my mother who called me distressed that a debt collector was calling me. I believe that Advance America had no right to call my mother on a current debt. The payment was made the day after it was missed, it was their fault it was missed because they have not updated the terms. Now my Mother, who has constant XXXX XXXX XXXX and XXXX has called me 5 times about this issue. I believe Advance America has violated FDCPA policies, therefore entitling me to damages for what I have been dealing with as a result of their mistake.
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

I am the consumer, original creditor and natural person. US Bank has denied my right to credit as I applied for a Fidelity Rewards Visa Signature credit card account in XX/XX/XXXX  in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), US Bank violated federal law by denying my credit application. US Bank also discriminated against me pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, US Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.
Consumer complaint received 2023-12-07
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: Exeter Finance, LLC. (SC)

In accordance with the Fair Credit Reporting act ( EXETER FINANCE ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One continues to show this account on my credit report, I always claimed that this account was NOT mine, even so they never listened to me, well this account has already expired, it has been more than 5 years since the last transaction, plus it is an account from 2011 for more. Letters that I have sent to Capital One have not removed this report from my credit and it greatly affects me. It also says that it is in a supposed collection, which is not correct. Other thing the only Capital One Card i own is Capital One Silver and is in good Standing.
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TRUIST FINANCIAL CORPORATION (AR)

The loan was taken out for a XXXX XXXX by XXXX XXXX XXXX XXXX XXXX with me cosigning the loan. The business failed and had only ( 1 ) payment left to full fill the obligation of this loan. The XXXX XXXX was repossessed and sold by Sheffield, so we should've received the balance of that sell with the exception of the ( 1 ) payment that was left to fulfill the balance of the loan. At the very least, the loan was more than satisfied and should not reflect negative on my personal credit report. The winner here was Sheffield by far ....
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I've already notified the appropriate creditors about these phony accounts, and I've sent along all the supporting paperwork needed to confirm the accounts ' late payments. Several credit reporting agencies have verified the instances of late payments and swiftly removed these accounts from my credit history. 

NISSAN-INFINITI LT XXXX- This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NISSAN-INFINITI LT customer service. 


I am aware that you have 30 days after receiving a customer dispute to look into disputed information in accordance with the Fair Credit Reporting Act ( FCRA ). I implore you to act quickly to settle this matter and make the necessary updates to my credit record. 

In addition, after the required adjustments have been made, I would like a copy of the updated credit report as well as written confirmation of the removal.
Consumer complaint received 2023-11-14
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. (GA)

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC (IL)

I am submitting a formal complaint against Spring Oaks Capital LLC for their collection activities on behalf of XXXX XXXX XXXX. The issue at hand involves their ongoing attempts to collect an alleged debt of {$830.00}. Despite my request for verification of the debt, Spring Oaks Capital LLC has not provided adequate documentation to validate the claimed amount. The lack of transparency concerning the alleged debt, including specific dates, charges, and supporting documentation from XXXX XXXX XXXX, raises significant concerns. The actions taken by Spring Oaks Capital LLC have been persistent, and it is essential to assess whether these actions comply with the Fair Debt Collection Practices Act ( FDCPA ). I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter, seeking resolution through proper verification of the debt, cessation of persistent collection efforts, and the provision of detailed information pertaining to the alleged debt. I refrain from providing personal information in accordance with CFPB guidelines but am willing to provide necessary details upon request. Your prompt attention to this complaint is appreciated.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. ()

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 two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CT)

Holding payments for no legal reason. The payment on XX/XX/XXXX cleared from my bank account and they said they wont apply for 9 days until XX/XX/XXXX. I have successfully paid on time every month. I asked for an explanation and proof that payments havent cleared and couldnt provide to me. I pay similar amount around the same date every month from the same bank account. They should not be allowed to hold my money and not apply payments for over a week.