davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP (MA)

I did leased a XXXX XXXX from American Honda Finance , the lease number is : XXXX, it has been paid off since XX/XX/year>. It is still shown on my Credit report. This morning I called the XXXX Credit bureau to request that debt to be removed from my Credit report, they asked me to contact the creditor so it may report the paid in full letter to them, Which I did. But the XXXX XXXX sent the letter to me instead sending it to the Credit Bureaus.
Consumer complaint received 2024-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

My loan was placed in forbearance while the status is in IDR admin processing for the XXXX plan with payments to begin XX/XX/XXXX. I called in XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX to request to remove the forbearance as I am in the XXXX program on studentaid.gov and need to make these payments for XXXX. When I spoke to the representative on the phone, they said I'm not in forbearance and payments are not due until next year. Essentially, they only confirmed the issue and didn't approve my request. Meanwhile, interest is still accumulating and any payments I make for the next year will not count towards my XXXX payments since they will be made outside my IDR. I am writing a complaint here as I am qualified to begin XXXX, so I don't understand why I can not begin payments as requested and NELNET is forcing a forbearance on me that is causing my interest to accumulate and impacting my credit score.
Consumer complaint received 2024-05-31
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Zions Debt Holdings (KY)

This debt was opened in XXXX. XXXX and default was XX/XX/XXXX and its now past the 7 year mark and they're still reporting on my credit report, with new collection names and new dates. this is a continuation of the original date. Still the same XXXX  and reporting as a new debt, they are in violation of the FCRA by not retaining the same delinquency date.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Continental Finance Company, LLC (MI)

Starting in XX/XX/year>, I noticed that my credit card account fees had significantly increased. When I contacted the company, they informed me that I was being charged fees monthly, with some months exceeding {$100.00} and even reaching up to {$1000.00}. Strangely, these charges occurred despite the fact that I hadnt made any significant purchasesonly minor expenses like groceries totaling {$170.00}. Frustrated, I called again and closed my account, but I was informed that I still had to pay the remaining balance. Unfortunately, the charges continued to accumulate, even though I diligently paid my bills on time. This situation feels incredibly unfair to consumers like me, especially since the account is now closed.
Consumer complaint received 2024-05-01
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. 

XXXX XXXX ACCT # : XXXX
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was charged a {$40.00} late fee on my Capital One Credit Card on XX/XX/2023. 

My due date was XX/XX/XXXX, and I have made 2 payments on the XXXX. A payment of {$94.00} ( minimum required ) + a payment of {$100.00}. The first payment was made online, and the second payment was made over the phone with a Capital One employee. 

I called Capital One about this fee, and they said they charged me because it is their policy to consider any payment made after XXXX " late ''. My first payment was made at XXXX according to them. And the second payment after XXXX. 

Capital One is refusing to remove the fee. I would like to dispute this charge because it is unfair given the fact that I made my payments on the XXXX. 

Thank you,
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation (GA)

XXXX XX/XX/year> : I was charged for a payment and the interest is predatory ( XXXX when the cap is XXXX ) as it is. I was told that there was no promo applied to my account and that it is not possible at the time of application despite being told otherwise. I was told it was XXXX XXXX for 18 months and then I would be charged interest. I can not afford this but I was strongly persuaded to by XXXX XXXX ( the party that opened the account with Fortiva ) because my teeth looked like it had to be treated before it developed into sepsis ( which I'm now reading from other experiences is that they do this fearmongering to force business ). I asked them to confront XXXX ( East- for this supposed promo because obviously I wouldn't know how to go about tracking this down if I was lied to initially. They told me to send them proof of said promo. I just finished college. I have student loans. I can't manage this as well, especially with the disgusting interest. I'm still looking for a job and I do not currently have savings to meet my needs and pay for this.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (IL)

My personal information was exposed in 2017 XXXX data breach, which resulted in severe consequences due to identity theft and fraudulent activity on my credit report. 
In XX/XX/2017, the XXXX data breach exposed my personal information, including but not limited to my name, Social Security number, address, and other sensitive details. Since then, I have been grappling with the distressing consequences of identity theft. Unidentified individuals maliciously misused my stolen information to open an APPLE CARD/GS BANK account without my consent or knowledge.Upon discovering this unauthorized APPLE CARD/GS BANK account on my credit report, resolving the issue proved to be an arduous and time-consuming process. I had to spend a considerable amount of time navigating the complexities of reporting the identity theft financial institutions, and credit bureaus, furthermore in my pursuit to remove the fraudulent account from my credit report, I incurred substantial financial expenses during this dispute process.Throughout this challenging ordeal, I have maintained records of all communications, expenses, and actions taken to rectify the identity theft and remove the fraudulent account from my credit report. Being a victim of identity theft has had a profound impact on my personal and financial well-being. The unauthorized account has caused undue stress, affected my creditworthiness, and disrupted my financial stability. 
I hope the necessary steps are taken to correct the inaccuracies in my credit report resulting from the fraudulent activity.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My account was closed and my money dissapeared for no reason I have a XXXX XXXX XXXX XXXX XXXX  and I need my money right away for bills I filed a complaint with the CFPB and the bank sent a letter that I can't access because they locked me out of my account but the subject of the letter said they were doing a " conversion '' of my account
Consumer complaint received 2024-05-29
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. (NJ)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase Headquarters XXXX XXXX XXXX. 
New York, NY XXXX Dear sir, I have received a letter from your executive office addressed XXXX XXXX XXXX, XXXX, OH XXXX, which has mail code XXXX ). This states that this office closed the account ending XXXX according to XXXX XXXX report. As far as I see the XXXX XXXX report which I received yesterday same as this office letter prepared on XX/XX/XXXX, a Chase account number ending XXXX is still in the report. And I need to state that I do not recognize this account at all. This ending seems to open until XX/XX/XXXX, however, I do not have any Chase account closed after the outbreak of Pandemic. There is a discrepancy what this office explained and reality. Also, I could not understand why this employee of executive office needs to state to me that I complained his/her calls to XXXX XXXX. I do not care whether he/she will call XXXX XXXX and be complained not to call. It is nice that he/she added my phone numbers from call list, since I do not want to receive any call from him/her whose numbers are, XXXX and XXXX ( fax ). Of course, I will not contact the number of XXXX XXXX XXXX ( XXXX  ) which numbers is XXXX to avoid the confusion and frustration which already exist. As I stated before, I do not know the area of XXXX, which named area are everywhere in the United States and most likely in the XXXX XXXX. I live in XXXX XXXX, NJ. 
Sincerely,
Consumer complaint received 2024-05-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

I requested to have remediation comphensation for fr a udulent unauthorized service committed by there instution. A check of XXXX is not a fair payout for an accedential death policy. I feel that XXXX seemed reasonable, knowing that there was an additional unauthorized service which was identiy theft. I was told to submit a remediation form to come to agreement of comphensation. I never spoke with any individual in regards to this. I have gotten 2 letters stating upon reviewing my case they closed my case. Not happy with there resolution.
Consumer complaint received 2023-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

A few months back, Shellpoint Mortgage Servicing notified me that my lender place insurance had increased to {$3400.00} from the {$1700.00} that it cost me last year. As a result, I bought insurance out of my pocket from XXXX XXXX to cover my property for the period of XXXX. For some reason, Shellpoint continues to use this {$3400.00} in its calculations including future project calculations, in addition to some bogus numbers. As a result, it overcharged me. I tried to contact Shellpoint on this issue on several occasions, and every time they ran a new escrow for me, my total monthly payment kept on going up and up. And, right now, they said that I owed them {$3000.00}. And my monthly payment went up from {$2100.00} to {$2600.00}.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I paid {$38.00} for prints, postage and envelopes to send dispute letters to XXXX, XXXX and Experian on or around XX/XX/2024. I was told my letters were discarded and that I had to submit letters online for disputes or stay on the phone and read disputes one by one.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-30
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

I opened a credit card for XXXX XXXX. As soon as I got the card in the mail I activated it and paid my bill. Shortly after I got a bill for a late fee??? I called the number on my bill. The guy apologized and said he did see a payment and wasn't sure why I got the late fee. That he would be reversing it. I said thank you and thought it was over. The month after that I got a bill for the entire original bill, plus all these late fees since now it is obviously months behind. I called that lady said that the first payment has been returned and I'm responsible for all these fees. I said I will pay whatever I owe IN FULL AND I WANT THE ACCOUNT CLOSED. I paid the full amount, keep in mind one months late fee is XXXX dollars. I got a letter in the mail stating that my account is at XXXX and has been closed. I have once again received another late fee bill for XXXX dollars?! They won't reverse the late fees because 'the account is closed but I will continue to get bills until is paid or it goes to collections '
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223.

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (TX)

My account was blocked for more than 2 weeks now without any explanation. I have requested the access to the account every day and I am getting copy/pasted generic responses from Coinbase. I have funds in the account and I cant get to them. I have provided all verification information they requested and they have approved that and confirmed that they have received this information but my account is still locked.
Consumer complaint received 2024-05-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I attempt to use the remaining balance of this card on XXXX ( using {$0.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (WI)

JPMCP AUTO HIRE .CREDIT REPORT COMPANY XXXX AUTHORIZE. THEM TO CONTINUE PLACED FRAUD REPORT ON MY CREDIT REPORT ACCOUNTS .I HAVE l CONTACT THiS COMPANY TO STOP REPORTING. I don't have records of ownership. Name address any other information due to information being. Reported didn't. Match.. Information provided was payment history. No name nor any other information. I placed FINAIL COMPLAINT seeking LEGAL ACTION. 
Due to XX/XX/year> l received a written letter from chase authorize Monitory write off from the account .located inside Amp CFBP in this letter apology for the inconvenience JPMCB CLOSED. case. 
XX/XX/year>. I Received a different lettefrom original letter. Was removed. requested for additional information for the account.. XX/XX/year> received transunion report with denied letter .continue reporting XXXX XXXX. Tranunion file XXXX. JPMCB XXXX. This account doesn't belong to me. Refuse make payments on account doesn't belong
Consumer complaint received 2024-05-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

After requesting the enrollment of my account into the account XXXX XXXX program after a XXXX XXXX, the company told me I was no longer enrolled. The account was reenrolled over the internet and also by phone. The person on the phone asked me questions suggesting that my enrollment was some type of a fraud, and they also assessed late fees for several months after the account assure was supposed to be in place.
Consumer complaint received 2024-05-28
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: U.S. BANCORP (MA)

From XX/XX/2024 to XX/XX/2024 I have XXXX inquiries on my credit report that were not made by me. They are through XXXX XXXX XXXX, XXXX with XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Not one of these was done by me. These inquiries need to be reported as fraud and they absolutely can not be accepted. DO NOT approve any of these inquiries and report them as fraud.
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

( XX/XX/XXXX ) I got a check from my job and i wanted to deposit somewhere else because i felt the deposit would take to long for me to be able to handle my bills after scanning it with my chime XXXX So i called chime to cancel my paper deposit and they went and canceled it. I went somewhere else to deposit my check. 
( XX/XX/XXXX ) A few days go by my chime account has deposited the check i canceled. So i called multiple times to fix my checking account and take it out so i use the money i already had in the account. They told me to call back in a few days they would fix it. I called back they said i was fine to use it and it was theyre fault and apologize. So i ended up paying my other bills. ( XX/XX/XXXX ) XXXX months have gone by which and my account is in a negative XXXX dollars. Which i thought they fixed. I called that day and they told me to cash the check again after i deposited it and cashed it else where. I explained what the last guy told me and he hung up on me.