davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
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: M1 Holdings Inc. (CA)

On XX/XX/2024 I noticed 3 charges I did not make or approve. Called fruad right away to report it. The 3 charges were : XXXX XXXX for {$81.00} XXXX XXXX for XXXX XXXX XXXX for XXXX I had my physical card with me, all of these were online purchases through shop pay that I did not approve nor did I approve someone else to use my card
Consumer complaint received 2024-02-28
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: CITIBANK, N.A. (IL)

XX/XX/XXXX - Home Depot credit card statement received with three charges, two of which were fraudulent/unauthorized. Immediately contacted Home Depot fraud hotline to report unauthorized charges. Representative XXXX took report and cancelled card. 
XX/XX/XXXX - received confirmation letter from Home Depot acknowledging receipt of fraud claim and instituting investigation. 
XX/XX/XXXX- received another letter from Home Depot again confirming investigation proceeding and indicating they would contact for additional information. 
XXXX early XX/XX/XXXX - multiple phone calls made to Home Depot security operations regarding status of claim. Advised investigation pending and no request for further information from us. 
XX/XX/XXXX - received letter from Home Depot advising " facts and/or information reviewed does not substantiate the claim of unauthorized use of account and determined that we are responsible for the charges in question ''. Upon receipt of letter contacted security operations at XXXX requesting specific basis of denial and what further facts they are requesting from us. None requested but advised their records show a credit card was not used in questioned transactions. Representative indicated the investigation would be reopened. 

XX/XX/XXXX - Letter received from Citi-Home Depot indicating account is past due. 
XX/XX/XXXX - received EXACT SAME form letter from Home Depot as received on XX/XX/XXXX denying claim. 
XX/XX/XXXX - filed Identity Theft report with Federal Trade Commission ( report # XXXX ). Contacted XXXX at Home Depot Security Operations to advise of filing with FTC and received address and fax number for Home Depot fraud research department. Advised investigation again reopened. 
XX/XX/XXXX - sent fax to Home Depot Security Department XXXX with copy of FTC identity theft report. 
XX/XX/XXXX - mailed letter to Home Depot fraud research department ( as per attachment ) denying charges in question were made by us and demanding our file. 
XX/XX/XXXX - received letter from Home Depot confirming investigation again reopened. 
XX/XX/XXXX - letter received from Citi-Home Depot indicating account past due and threat information may be reported to credit bureaus. 
XX/XX/XXXX - letter from Citi-Home Depot requesting payment. 
XX/XX/XXXX - letter from Citi-Home Depot again requesting payment. 
XX/XX/XXXX - form letter received from Home Depot same as previous letters stating investigation does not substantiate our claim and we are responsible for charges and investigation complete. File never received as requested and no additional information requested of us. 
Numerous calls requesting payment ; relate to rep our denial.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-04-16
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. (TX)

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX  days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Consumer complaint received 2024-02-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (IL)

In XX/XX/XXXX I was illegally served court documents at my home from Mariner Finance as they filed judgement against me for a personal loan I could not pay ( server threw them on the porch and ran away ). On XX/XX/XXXX a settlement agreement was made and signed by myself and Mariner with the agreement to drop the judgement. XX/XX/XXXX I made a one time payment of XXXX to Mariner to settle the debt and have it removed from my credit report ( attorney confirmed it would be removed ). On XX/XX/XXXX I received a statement in the mail from Mariner with a balance of XXXX, I immediately took a picture and reached out to their attorney XXXX XXXX to find out why I was receiving this after I had settled the debt. XX/XX/XXXX XXXX XXXX states it is an automated thing on Mariners end, that the account had been marked settled on XX/XX/XXXX with Mariner and that this automated letter was sent prior to them entering the settled status. XX/XX/XXXX my credit report was pulled as I am trying to buy a home. It showed on credit report a balance of XXXX listed for Mariner and the account was listed as open, and they were still reporting it as in collections every single month. On XX/XX/XXXX I contacted XXXX XXXX for a copy of all documents from the settlement, I called Mariner at the main number ( XXXX ) and spoke with XXXX. She stated that they never received the settlement paperwork stating the debt was settled. Contacted XXXX XXXX who stated that was not true that the paper work was sent on XX/XX/XXXX and provided documentation of that. She sent it to the XXXX branch again and states balance is null and void due to settlement. XX/XX/XXXX It is still showing the account on my credit report, I called Mariner again and again spoke to XXXX who stated she did not know why the attorney would say it would be removed from my credit report that they do not even do that. Gave no answer as to the balance, and just stated she would have to call the district manager by the name of XXXX. No response from anyone at this point. My credit is destroyed now due to Mariner falsely reporting the debt not just once but twice now, and reporting it as it is in collections still when the debt has been settled.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My student loans were transferred to XXXX from XXXX on XX/XX/2023, and subsequently forgiven. XXXX is reporting that my loans are current, but that I have a balance. When I check on both XXXX and XXXX 's websites, I see a XXXX balance.s. I'd like to have my credit reports accurately reflect the XXXX balance of my loans.
Consumer complaint received 2024-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Home Loan Center, Inc. (AZ)

Today ( XX/XX/2024 ) I received a phone call and VM from the number ( XXXX ) XXXX. The VM was generic and said I owed a debt and threatened legal action if I didn't call the number back. I did so and spoke with someone ( a woman with an American accent ) claiming that I owed a debt from Lending Tree and that they were going to garnish my wages at my place of employment, if I didn't pay immediately. Not only have I never done any business with Lending Tree, but also they wouldn't provide me with any info about their company, including the company name or address or specifics about the debt. After asking for those minimal details, and being called names like sassy, I was hung up. I called the number back and a different person answered, and again I was hung up on when requesting the name of the company. When I called back a third time, the call was not picked up and instead sent to a VM. On the VM the person said the company name of XXXX. I tried XXXX this company but nothing came up. I don't know if this is a legitimate attempt at debt collection. There was never any advisement that it was an attempt to collect a debt on the VM and I have no way to dispute the veracity. The first representative claimed they mailed me a notice in XXXX and listed a previous address of mine. I need to dispute this but have no way to do so. I am concerned this is a scam.
Consumer complaint received 2024-02-28
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: SECURITY FINANCE CORP (NE)

I show a hard inquiry on my credit report from PFS Auto Finance , LLC. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX. 

I have no knowledge of this, Ive owned my own vehicle & have never inquired or even stepped foot in this institution.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Bread Financial Holdings, Inc. (TX)

I scheduled a payment for {$100.00} on the XX/XX/XXXX and an account that is no longer active and it was closed for a while. The account shouldnt have been charged in the first place. On XXXX kept receiving back to back phone calls every hour from Comenity Bank, which is XXXX. I answered once I had time and was informed of my account status. I had checked my account the night before and reviewed the transactions on the report and it reported two previous cycle late fees. So I told the representative that I saw that on my account and I can resubmit the payment online today once those charges were removed. Not only can they be removed but my statement also says that the late fee charge consists of {$45.00} whereas my account was charged a {$37.00} previous cycle late fee twice. I have included photos showing all transactions between XX/XX/XXXX and XX/XX/XXXX. The representative on the phone kept saying that there is no late fee on my account and I kept telling the person that it is and I'm looking at it on my transactions and she insisted that it was not there and continued to push for a payment. She didnt explain the charge and Ive never seen this type of charge before but it is not necessary to charge someone multiple late fees for the same one payment.
Consumer complaint received 2024-02-28
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (WI)

Beginning XX/XX/XXXX, phone number XXXX has been calling me repeatedly, multiple times a day within the same minute and has not left a voicemail any of the 15 times that they have called me. 

Today, XX/XX/XXXX, they called me at XXXX but I missed the call and I immediately redialed the number to find out who was calling. When the phone picked up, there was a recording that said Thank you for calling AmSher which was then cut off by a woman saying Hello, who is this? To this, I responded, Who is this? You just called me and have called me multiple times over the last week. They hung up. I redialed the number an additional 3 times and was hung up on 2 more times before finally getting to someone who confirmed that the call was from AmSher and they attempted to verify a debt that I do not recognize from XXXX. I denied any awareness of this debt. 

I have never received any correspondence via mail or email from AmSher and I am not aware of this debt. I have not been given the opportunity to dispute this debt or provided any documentation regarding it before they have made the incessant collection attempts. Additionally, it is exceptionally inappropriate to hang up on people that they are calling multiple times a day. Once I advised the caller that I would be filing an FTC complaint against the company for their behavior and failure to provide me any documentation on this apparent debt within 5 days of initial contact, they stated We will just continue to contact you, just by mail from now on. They then ended the call.
Consumer complaint received 2024-02-27
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (IL)

I filed a complaint to the CFPB that American Express gift card on XX/XX/2024 that I am unable to use this gift card because it would always come up error. 
On XX/XX/2024 American express responded through CFPB with a solution of canceling my gift card and mailing me a check. I have never received a check. I have called American express 3 times and the answer is the same someone will get back to me in two business days. They have never gotten back to me at all. 
As of now my card is canceled and I have no check. As far as I am concered this is theft.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After filing a complaint with the CFPB earlier this morning on XX/XX/2024, XXXX XXXX, responsible for resolving issues at Bank of America, called me twice. This marks the second time he has aggressively refused to refund {$400.00} in fees, reflecting the overall behavior of Bank of America staff. He insists on not compensating for their unprofessional conduct, demanding that I bear the consequences. 

The root of the problem lies in Bank of America 's irresponsible actions. They mailed unsolicited credit card promotional checks, providing inaccurate information about their usage. Despite calling three times for clarification before utilizing the promotional check online to pay my XXXX XXXX property tax, they failed to instruct me to first deposit the funds into my checking account and then proceed with the payment. Instead, they advised me to use it directly for online tax payments, leading to the current predicament. 

This issue squarely falls under the responsibility of Bank of America. However, XXXX XXXX remains adamant about not facilitating the resolution. I find it unacceptable that he aggressively dismisses the matter during our conversations. This is just one instance of Bank of America customers enduring unprofessional behavior and facing challenges due to their practices. 

I have faced numerous difficulties with Bank of America over the years, including receiving unwanted credit card issuances and mailings, as well as encountering issues with unclearly canceled credit accounts that resulted in me paying my credit card bill twice.
Consumer complaint received 2024-03-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO Bank, N.A. (IL)

The XX/XX/XXXX statement provided by the BMO includes interest from XX/XX/XXXX to XX/XX/XXXX. However, interest from XX/XX/XXXX to XX/XX/XXXX was already billed on the XX/XX/XXXX statement. Billing statements are still incorrect. Interest was billed twice.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NV)

Last week I entered website for company and applied for bank account. I entered ID card with birth-given name & surname through image software and social security number to receive adverse action notice from web domain starting that they will send I information in a few of days. I am writing in request for bank credentials according with equal credit opportunity act a card, and account to defer debt in US market.
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (CA)

My name is XXXX XXXX and the email on my square page is XXXX On XX/XX/XXXX, A customer came to get an item from me at home which required an invoice, so I used square Inc to issue invoice, customer received the invoice and paid {$950.00} each for XXXX items a total of {$4700.00}, and immediately square  XXXX  charged me {$140.00} for the transaction leaving me with {$4600.00}, and they deactivated my account with the balance in it, saying I wont get the {$4600.00} till XX/XX/XXXX, I immediately contacted my customer and he called his bank and they reveled theyve successfully posted the total amount of {$4700.00}, customer sent me prove which Ill attach to this case, I dont bank with square I only used them for invoice and I was charged {$140.00} for using the service, I cant be out of business till XX/XX/XXXX, I have a good relationship with my customer and theres no charge back or dispute, so I want my money transferred to my link account ending with {$1600.00}
Consumer complaint received 2024-04-16
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. (MI)

Upon reviewing my Experian credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

BBY/CBNA account # XXXX is reporting 30 and 60 day late payments on XXXX and XXXX. I spoke to BBY and stated they do not have any record of my account ever being late. I have sent out numerous letters to XXXX and XXXX to have the late payments removed and i have been continuously ignored by both credit breaus. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.
Consumer complaint received 2024-02-27
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: DISCOVER BANK (KY)

I want to get an apartment but my credit is not high enough to get approved to the apartments that I have applied to. In accordance to the fair credit reporting act this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late under any purpose.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to urgently file a formal complaint and request for investigation concerning the mishandling and non-return of my {$670.00} funds by Capital One. The transfer in question was initiated through XXXX from my Capital One banking account to my closed XXXX XXXX  account in XXXX of this year. It is essential to highlight that both the originating and receiving accounts have been under my ownership, and this method of transfer has been a trusted and longstanding practice for several years. 

Despite the rejection of the transaction due to the closure of my XXXX account, the funds were returned to Capital One by XXXX. However, Capital One has failed to credit my bank account or provide any updates regarding the status of the funds. Despite my persistent efforts, including the submission of three formal claims over the course of several months, Capital One has not conducted a thorough investigation or offered a satisfactory resolution. 

I have provided documented evidence from XXXX XXXX  confirming the return of the funds to Capital One back in XXXX. Despite presenting this evidence, Capital One has shown a lack of cooperation and has not taken appropriate action to address the issue. This lack of responsiveness has caused me significant financial distress and uncertainty. 

I urgently request the Consumer Financial Protection Bureau 's intervention to conduct a comprehensive investigation and facilitate the swift return of my funds. It is imperative that Capital One be held accountable for withholding my money without valid justification or explanation. Given the long-established practice of using XXXX for transfers between my Capital One and XXXX accounts , I seek your support in resolving this matter promptly. 

Your immediate attention and assistance in rectifying this urgent issue are greatly appreciated. Thank you for your swift action and advocacy in ensuring the return of the {$670.00} that rightfully belongs to me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary XXXXday notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I started off with a low interest rate on my PenFed Card. They have now increased the 29.24 % when my balance went up making it impossible to pay my balance off. It's ridiculous they're taking advantage of lower income households during this struggling economy.