davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (LA)

I asked this company to verify my debt they have failed to do so Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) 15 USC 1681 a2ai and 15 USC 1692 G of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Account Name : Diversified Adj SVC Account Number : XXXX Amount {$820.00} Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Please include 1. A copy of the original contract or original purchase agreement that created the alleged debt. it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
2. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 3. In addition please send me proof of chain of ownership the alleged debt and included proof of assignment for of each change of ownership If any interest or fees have accrued or been added a the balance, please send proof that such fees are lawful ai. agreed upon in the original purchase agreement. 
4. Proof that you are legally allowed to collect on alleged debts in the state of Louisiana, including your Third-Part Debt Collection Bond 5. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The foregoing instrument was acknowledged before me on XX/XX/XXXX by XXXX XXXX. 


XXXX My commission expires : XX/XX/XXXX Notarized remotely online using communication technology via Proof.
Consumer complaint received 2023-09-19
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: Experian Information Solutions Inc. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
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: Experian Information Solutions Inc. (MA)

Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the three credit bureaus to verify this account. Failure to validate this reported account within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed {$110000.00}
Consumer complaint received 2023-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (OR)

Ive had a car loan through Santander Consumer USA since XXXX of XXXX. About XXXX weeks before the XXXX lockdown. Ive had issues this year with them saying XXXX behind on payments. I asked for a 2 month extension for the months of XXXX and XXXX of XXXX. I did get behind on my payments in XXXX and XXXX of this year. But Im caught up through XXXX and they say Im 49 days past due. The only payment I should be behind on right now is XXXX. They always post the next payment due before the actual due date of the XXXX of every month. My payment is just under {$400.00} per month. As of today with interest and late fees I owe {$810.00}. Thats for XXXX and XXXX. I called today and they wont hear me out or fix the problem. They just say it 49 days past due and thats what I owe. They say with XXXX I owe $ XXXX but my account doesnt reflect that. Please help me.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (TX)

My name is XXXX XXXX, me and my husband XXXX XXXX bank with Navy Federal. My husband has been incarcerated for over 18 months, I am his legal POA while he is in there for the next couple years. Our joint account has some kind of security block on it, not allowing us to withdraw funds. I have provided them with the POA as requested and as stated by XXXX of the supervisors I spoke with once the POA was accepted I would be able to speak to the security department since I am his POA. I submitted the POA on XX/XX/2023 and called to check on the status on XXXX XXXX and was told my POA was denied and told my husband would have to call in. I reiterated his situation to them and told them he can not be on the phone all day, he only gets XXXX minute calls whenever they are allowed rec time. We called today XX/XX/XXXX my husband was on the line verified his identify with the Representative and we were transferred to the Security Department. We were told the wait time was XXXX minutes, we were on hold for almost XXXX hours and finally got a Rep when I asked her to give me a second to get my husband back on, she hung up on me. I called again and waited the same amount of time and hung up on again. I called back to express my frustrations and was met with the same hogwash, that I can not speak to the XXXX department even though I am legally my husbands representation. This bank 's employees and supervisors have told me XXXX thing then tell me thats not true, I do not appreciate being lied to and laughed at as I'm in tears frustrated trying to get access to our families livelihood. My husband is a XXXX XXXX XXXX who unfortunately found himself in an unforunate situation, which is already hard on our family then to add this bank making me jump through hoops for nothing when I am my husband 's POA, they can have the POA paperwork to verify it is valid. I am extremely frustrated at this point.
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

I had to pay out of pocket for a benefit that was supposed to be included in my credit card. I call the customer service and they said there were changes. However, I never received any notification about changes to these perks, as you can see from the attached Letters and notice for XXXX. A bank agent mentioned that this change was communicated through an account statement, but this is misleading since account statements are meant for financial details and payment deadlines, not to hide changes to card benefits in fine print. I am requesting a refund in credit card or compensation for the same amount.
Consumer complaint received 2023-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/XXXX, my card was stolen from me. After it was stolen, {$860.00} in fraudulent charges turned up on my account. Citizen 's Bank notified me of suspicious activity, but only after they allowed larger than usual transactions to occur ( for example, the thief used my card to make a XXXX dollar purchase at XXXX ). I filed the claim and it was denied because 'your chip can not be duplicated. ' When I noted the original chip had no need to be duplicated because they had my actual, physical card, the bank 's answer changed to the transaction shows my pin was used. I don't know who stole my card or how they got my pin, but I did not make the transactions ( XXXX was made out of state, and i never left my home state ). I made another claim on XX/XX/XXXX to challenge the fraud department 's response. I waited on hold on XX/XX/XXXX for nearly an hour, and the fraud department agreed to reopen my claim. They said if it gets denied again, i have no recourse. This is my money, and they did not protect it. They only refiled because I called back a second time to confirm if the supervisor actually expedited it ( she didn't and i have that recorded ).
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TN)

I opened a credit card with CitiBank. There was an issue receiving the digital copy of the card, but I made an account and proceeded to follow the steps. At this point it didnt allow me to use the digital version of my card until I received my card and I put my security code. Thats fine, but once I received my card and I put my security code, they automatically locked my card and gave me a number to call to verify my account. When I called, they asked me for a different phone number than what was on my account and if I was at work. Then they said they couldnt verify. 

I said you guys cant verify me with the same information I used to open an account, then close my account. They refused to close my account. Literally holding my credit hostage and forcing me to be a customer. They are willfully withholding my product and not following what was promised after they pulled my credit and we entered into a credit card agreement.
Consumer complaint received 2024-06-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WI)

I opened a business bank account with Chase on XX/XX/2024 on behalf of my LLC in XXXX XXXX Wyoming. I transferred everything over from my private client {$230000.00} on XX/XX/2024. My account got flagged twice and the transfer finally went through then the shut down the account XX/XX/2024. I went to the bank in XXXX on the XXXX when I noticed my account was gone. XXXX told me that they wrote me a check and that I would receive it in 10 days. I then called the customer service line and they said the account closure is still pending today XX/XX/2024. The bank said the reason why it was closed was because my name was not on the secretary of state records which is not required by Wyoming law and the whole reason to open a LLC is to protect my money and name from creditors. The banker who opened the account neglected to tell me this so technically this is their fault. If at all someone comes after that money or they take any out for fraud I will file a lawsuit.
Consumer complaint received 2023-09-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (UT)

I sold another property and my title company dispersed funds to US Bank on Monday XX/XX/XXXX from the proceeds of the saleto pay off my current HELOC balance on my primary home. Today is Friday and the loan still isn't paid down to XXXX. And probably will not be for another few days ( weekend ). The issue is on the US Bank 10-day payoff, the only options they give for payoff is to mail a check. This means that I am being charged interest every day until that loan is paid off. This is {$100.00} a day approximately. I called and spoke with XXXX today ( Friday XX/XX/XXXX ). She gave us incorrect information and suggested that the information on the payoff was correct and the only way that they could accept payment was a check being mailed. I asked to speak to a supervisor and spoke with XXXX in the XXXX office. She informed me that yes the payoff only gives the one option on their 10-day payoff. But if title only asked there are other options available. Very problematic that those options aren't clearly defined on a payoff. I let XXXX know that we asked XXXX this very question, but she gave us incorrect information and said that the only option was to mail a check. So she gave no other options. XXXX acknowledged this discrepancy and said that she will train her better. But that still does not change the fact that there isn't every option of payoff available on their 10-day payoff. And it doesn't change the fact when you call in and speak to a representative at US Bank that they are giving incorrect information. I asked XXXX if there was authority above her I could speak with. She said she was the highest authority that I could speak to. I asked if she would be crediting my account for the interest being charged. She said there would not be. I don't know what more would be a clearer definition of predatory lending than this is. That it takes 10 or so days to pay off a loan when no other options are given other than snail milling a check. So US Bank is earning extra days of interest without clearly allowing someone to pay off. This not only happened to me but I am sure this happens every day and at many other institutions. By the time the check from title is received from US Bank an additional $ XXXX {$1000.00} of interest will be collected. Policies need to be in place where a creditor allows a debtor to pay them off immediately to incur XXXX extra interest charges. I am definitely seeking reimbursement of interest charges for those extra days
Consumer complaint received 2024-07-02
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CO)

Hi There, I have a credit card though " My Best Buy Credit Card ''. The minimum payment dueis based on the total amount that I own. I always pay the card on time and over the minimum due amount. 

The issue : the current account statement ( XX/XX/XXXX ) shows the interest Charged is {$590.00} from the principal {$640.00}. The Statement doesn't explain any detailed information.

I called the Account Inquiries on XX/XX/XXXX around XXXXXXXX XXXX ( mountain time ). The Customer Service said the interest will be charged from XXXX until now, which I already paid the Card on time. The Customer Service said I have to pay a totalbalance amount which is {$540.00} within XX/XX/XXXX to avoid the interestfees : $ XXXXNo that option I can do that through online. 

I also asked for more detailed information such as breakingdownthe interest charged fee : {$590.00}, The company policy, and the regulation which apply to this term. The Customer Service said No, she doesn't have the ability to provide us with that information and mentionedthe policy in the Website. I couldnot find those policies. 
I believe it might have some error system in there or if not, it isn't fair for the customer in this circumstance. 

Please investigate or any help would be so appreciated! 

Best Regard,
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Reporting agencies improperly used my personal business without my consent. XXXX, Equifax and XXXX. I never gave anyone written consent to disclose any personal information of mine without my signature. I have sent letters to them requesting removal and they have yet to do so. It has now surpassed the 30 days since they received my letters and I still have no updates of removals.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (PA)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB, Inc. (CA)

I started getting contacted by XXXX XXXX at USCB. I asked for a verification of debt and for them to stop calling me multiple times. In XXXX they sent some of the documents I requested but not all of them and then contacted me via phone multiple times.
Consumer complaint received 2023-09-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I got an alert on my phone from Bank of America warning me of Suspicious Activity. ( see BoA 1 attachment ), and that my card was closed until the matter was addressed. I went to the website and noticed that there were three charges listed that I was unaware of ( see BoA 2 ). One charge was pending, and two others were denied. I identified those transactions as fraudulent, and that i still had possession of my card. The charges were made online and my information must have been taken from the internet. 

Bank of America credited my card for the {$250.00} temporarily ( see attachment XXXX ). It should be noted that in the upper right corner of the document, {$500.00} is listed, though I dont know why. 

In XXXX, I was issued a new card. 

In XXXX, I received a message denying my claim. ( see attachment BoA 4 ). The reasoning is that the merchant provided documentation that I received the merchandise or service. I found this odd since Im not disputing that whoever stole my credit card information received the goods they purchased. My issue is that my credit card information was stolen and used. ( The mysterious {$500.00} is also listed in the upper right corner of this letter ). 

I called Bank of America and requested that they reopen the case and that I receive a copy of the documentation used to deny my claim. They sent the documentation to me ( see BoA 5 ). The documentation lists that the purchaser had my name and email address, which I assume would be part of the banking information stolen from me when they got my credit card number. It also lists an IP address which is in the same county in which I live, but not my IP address. The documentation doesnt provide any information about the two other charges that were attempted on my card or the IP address where those were made. If they came from other parts of the globe, that would lend credence to my issue of credit card theft. Also, this charge and one of the attempted charges appear to be for gift cards, which I believe is a common thing that is purchased in credit card thefts. 

Finally, I received a message from Bank of America telling me that I will be charged for the {$250.00} and that Bank of America has contacted all the major credit reporting companies about the issue ( see BoA 6 ). I have no idea if this is standard when one appeals a decision that Bank of America makes. I am concerned that it could negatively affect my credit rating. ( Note {$500.00} is still in the upper right corner. )
Consumer complaint received 2023-09-15
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)

My bank, XXXX, sent back several credit card payments in the XXXX of XX/XX/2023. I had money in my bank account to cover the, but XXXX kept reporting and charging me overdraft fees and sending payments back when there were deposits processing that would of meant my balance was more than high enough to cover the out going ACHs. I tried to have Capital One remove the 30 day late from my credit report and they told me no. I submitted disputes through my credit reports, and they were also sent back with no resolution. I've had my Capital One card for over five years and have never missed or been late on a payment.