davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MA)

My business and personal Amex cards which I ran hundreds of thugsands of dollars through and in XXXX  years had XXXX late payments. I applied for a car loan and Amex hard shut my cards that minute and put alll my balances in collection. XXXX XXXX didnt save thing XXXX hour later. I wrote this because I settled with Amex both accounts in the amount they would accept and today I was notified they never were aware of a settlement and asked me to settle in the remaining amount they originally forgave. I paid find complains with terms and times lines. This hard royally rocked my life my business my employees everything. I had one 30 day late payment in XXXX  years and I have a XXXX and they keep reporting me late or not paid but I have paid or its supposed adjusted and it takes months or doesnt happen. They have made me not able to get loans or XXXX  or another credit cards. Ive used all my savings for kids and a house paying they and trying to keep XXXX  business afloat with zero access to XXXX  at all XXXX. I did nothin wrong! I always paid. I paid my settlements and now they can not find them.?!?!? Please help me please its been XXXX years Ive paid hundreds of thousands to them. I started my company with nothing XXXX, I dont have a college degree and I worked XXXX exaggeration 90-100 hours per week for XXXX  years. I built a reputation and a reputation within Consumer packaged goods manufacturing, sales, and data. This segment of the economy doesnt look at a candidate without masters degrees from the most prestigious universities, a pedigree of the largest most successful manufacturers and data companies in the world, and being part of the old boys club. I had to claw every inch I earned for these XXXX companies to take everything. I just want my savings to marry my fiance and buy the home I had saved every cent I could to put us in a position to have kids and give them the best life I could. Not benches in XXXX or the XXXX XXXX innn where I ended up and started to rebuild. I paid them what I owed and multiples on multiples and they keep coming for me. XXXX XXXX will not even negotiate and way to pay them including paying XXXX % in XXXX lump sum which was every penny my fianc has saved and they denied and and told me to bad essentially I keep paying and paying them. I didnt do anything wrong! I didnt harm them! I made them money! Why do they want to just drown me Ive given my money my relationship and my health up to keep them happy and avoid putting my head under and theyd just did. This is all I have left if you alls please help. I dont know what to do! I did everything they asked paid everything they said and keep coming
Consumer complaint received 2024-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

THIS COLLECTION 3RD PARTY IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORTS WITH THE CREDIT BUREAUS.THE INFORMATION THAT THIS 3RD PARTY COLLECTION AGENCY IS REPORTING IS NOT CORRECT AND INACCURATE AND MUST BE DELETED IMMEDIATELY.HOW MUCH DID THE COLLECTION COMPANY PAY FOR THIS INACCURATE ITEMS THEY ARE REPORTING IS UNKNOWN AND NEITHER DOES MY CREDIT REPORTS REFLECT SUCH AMOUNTS. THIS IS A CLEAR VIOLATION OF THE FCRA AS THIS IS NOT ACCURATE OR COMPLETE. SINCE I DO NOT KNOW ANYTHING ABOUT P AND C, THEY MUST DELETE THIS IMMEDIATELY!!
Consumer complaint received 2024-09-03
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 (FL)

Re Application # XXXX for Loan from XXXX XXXX XXXX Once again on XX/XX/year> XXXX XXXX XXXX Has apply for a loan from US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX This has created another Credit Check. 

Please inform XXXX XXXX XXXX to stop using my name to apply for loans Please inform US Bank XXXX OH that I am not applying for a loan Please thank XXXX - XXXX XXXX XXXX XXXX PA XXXX XXXX for being vigilant on my credit report XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (SC)

I have an account Mastercard with Navyist Rewards with BARCLAYS. 
On 4 or 5 occasions at this point they have pulled credit report. It states that they have pulled it from XXXX. It says my credit score is XXXX. That is a complete lie. My credit score is in the XXXX hundreds. They have lowered my credit limit each time they have pulled my report mind you without my permission each time. From XXXX to XXXX. Then it makes my credit go down.Then they look at my account with me while on the phone and they and my credit report and see that my score is NOT XXXX. IT IS IN THE XXXX HUNDREDS. Then they increase my credit back to XXXX as it was originally, which then impacts my credit score again. 

This is absolutely insane. My credit is good. It is not seriously delinquent not do I have too few accounts currently paid as agreed. 

All my accounts are up to date and in excellent shape! I want this back and forth with they to stop! I want the information removed from my credit report immediately and I want my score fixed from the damaged that they have caused.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency XX/XX/XXXX & data furnisher XX/XX/XXXX) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Had a small balance of {$71.00} which was due XXXX. Thought I paid on time XX/XX/11. Thinking balance paid in full and out of town due to death of relative, didnt pay attention to XXXX bill. Opened bill just received showing {$51.00} due. Upon examination of account determined amount due to XXXX late fees for {$25.00} each. Called customer service but only XXXX fee removed. Advised both could not be removed unless account closed. Given credit limit {$11000.00} did not want to close account. Based on late fee on top of late fee with only {$1.00} due, ridiculous to charge a consumer fees when really no real balance due
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Peace & Love To All Who Read This! 

I applied for a card and got denied. Regardless of the reason for being denied I have a right to credit in a consumer credit transaction. Withholding my credit and access to my securities is securities fraud and discrimination. 15 USC 1691 states that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. You're violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Section 16 part 1 of the Federal Reserve Act states that only the Board of Governors can make a decision on whether Im denied According to your prospectus and XXXX documents, I know that you've turned the application into a security in which you're now selling and making money until it matures. Once approved for the card, I know that youll also be selling that as well.

You may have sold all rights, titles, and interest of the receivables to, but Im the beneficial ownership of the original owner and noteholder. You're being paid! Not only that, but you also got the original issue discount ( OID ). You're receiving interest plus payments being sent to you by uninformed customers who think they owe you, but you actually owe them BIG TIME!

You are stealing from me and scamming me. Youre using my credit to make money. Thats identity theft. You use false and misleading business practices to acquire massive wealth while not giving your customers whats due to them. Thats unjust enrichment and racketeering. You're also doing it to millions of other customers by not informing them that they are actually investors in your company due to your organization using their credit to make money. You're performing illegal acts that will land a lot of people in your organization in prison for a long time including your transfer agents, clearinghouse, and other trustees due to the Holder In Due Course laws.
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (TX)

I am writing to formally lodge a complaint against Rausch Sturm LLP and their client, XXXX, due to their failure to adhere to standard practices in providing monthly statements, payment receipts, and timely updates to credit bureaus regarding a business debt that I should not have provided a personal guarantee. 

Despite my consistent efforts to stay informed about my debt and make timely payments, Rausch Sturm LLP and XXXX have not provided me with the necessary monthly statements. This lack of communication has made it extremely challenging for me to keep track of my payments and outstanding balance. Since XXXX, I have only received one monthly statement, XX/XX/XXXX, when several notices were sent to XXXX credit bureau due to inaccurate information on my credit report. 

Additionally, I have repeatedly requested payment receipts for the payments I have made. However, these requests have been ignored, leaving me without proper documentation of my payments. This lack of transparency is unacceptable and has caused significant stress and confusion. It is believed that Rausch Sturm, and their client, XXXX XXXX, has processed payments but not credited the appropriate account. 

Furthermore, Rausch Sturm LLP and XXXX have failed to update the status of my debt with the credit bureaus in a timely fashion. As a result, my credit report does not accurately reflect my current debt status, which has negatively impacted my credit score and financial standing. My credit report also does not indicate that this was a business debt with a personal guarantee. 

I have attempted to resolve these issues directly with Rausch Sturm LLP and XXXX to no avail. Therefore, I am seeking your assistance in addressing these concerns and ensuring that Rausch Sturm LLP and XXXX comply with the necessary regulations and provide the required documentation and updates. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-08-07
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. (GA)

I filed a dispute with the XXXX Credit Bureau regarding inaccurate information on my credit report from " XXXX  XXXX The account with XXXX  was closed and charged off on XX/XX/year>, however, the credit grantor has continued to report the charge off monthly after the original charge off date. This practice has negatively affected my credit report and credit score.
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving your initial communication. Ive requested verification of debt, proof of ownership, and accuracy of reporting in that order.Its been more than 60 calendar days with no response and i'm not waiting any longer. I need the account listed to be removed immediately under the FCRA. I recite these consumers laws and hope the cfpb can enforce these laws to these abusive debt collectors who probably are not even licensed to do business in NY. 
15 U.S CODE 1602 ( P ) - UNAUTHORIZED USE / HARD INQUIRIES 15 U.S CODE 1666 B - LATE PAYMENTS, CHARGEOFFS 15 U.S CODE 1681 15 U.S CODE 1692 ( G ) - COLLECTIONS - VALIDATION OF DEBTS 15 U.S CODE 1692 C ( C )
Consumer complaint received 2024-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capital Asset Recovery INC DBA Jacobson and Wright (NY)

A representative from Capital Asset Recovery DBA Jacobson & Wright left me voicemails claiming that the original loan company was threatening to take legal action against me. I confirmed with the original loan company that this was not true, then contacted Capital Asset Recovery again where their representative proceeded to state all my personal information including my full social security number and date of birth without confirming who he was speaking to. He again stated that the loan company was ready to move forward with legal action and when I asked for evidence of this as well as evidence of my debt owed, he became belligerent and threatened to hang up the phone and proceed with a civil lawsuit.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I had just over {$33000.00} in loans from Navient for my XXXX XXXX staring back in XXXX. I was on target to have them forgiven under the public service loan forgiveness program but Navient lied to me about the type of loan I had. They kept telling me I was on track for the forgiveness until I actually applied for that forgiveness. When I did apply they told me I had the wrong type of load and did I want to consolidate and restart the 10 year clock. With only {$6000.00} left there was no way I was going to do that. They lied to me as they lied to numerous others. I finally paid off the loan in XXXX, XXXX. 

I want to know if I am eligible for any of the settlement money from the current lawsuit. Navient owes me {$6000.00} at least. 

I am happy to see that Navient will be out of the student loan business going forward.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NC)

I went to Wells Fargo XXXX XXXX in XXXX  to find out about XXXX accounts that were opened in my name. It took quite a few visits to many different banks to eventually find out that I had XXXX accounts in my name ; XXXX of these accounts were opened online on XX/XX/XXXX. Statements were not sent to me until they had to send out information due to the class action settlement which for some unidentified reason did not include me. I had sent in a form regarding the class action settlement however Wells Fargo claimed that they did not have the form and instead sent me through a mediation process which was completely false on XX/XX/XXXX. I now know of many more accounts made in my name through the Executive Offices of Wells Fargo. I want someone to be held legally responsible.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-10
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: SANTANDER HOLDINGS USA, INC. (HI)

I purchased a new vehicle from Chrysler XXXX XXXX XXXX XXXX XXXX auto loan from Chrysler Capital XXXX The loan was paid in XXXX. I am in urgent need of the title because I am moving out of the state of XXXX  and the state will not allow a vehicle to be transported out of state without a title. The DMV informed me that Chrysler is holding the physical title and if they will not provide it, then I will have to request a duplicate title from the state by providing a release of lien from the lien holder ( Chrysler ). 

I contacted Chrysler on XX/XX/XXXX. I was told they are putting the title in the mail the same day. What I received ( mailed on XX/XX/XXXX ) was a copy of the financing agreement stamped " paid in full ''. I have tried to call back several times since. It is nearly impossible to get a live person on the phone - their phone system keeps asking for the account number and when entered it says the account number is invalid and keeps asking to enter a valid account number. The account number is listed on several documents, yet the system does not recognize it because the account has been paid and closed. Yet the phone system keeps asking for it and will not allow to continue without providing a different number. I have spent over 15hrs in the past two weeks trying to get an answer over the phone from Chrysler . 

On the last call to Chrysler Capital on XX/XX/XXXX, the highest level manager they would allow me to speak with could not confirm if they have the title or if it has been released. They do not know if the title is electronic or physical, but insisted it was electronic despite that the DMV says the title is physical and not electronic. In every conversation they provide different information and refuse to provide anything in writing. 

I am in a difficult position, because I can not get a duplicate title without a release of lien. In two weeks, I will be forced to abandon the car when I leave the state because I can not take the car out of state without a title. I do not know what to do and desperately need help.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

I had enough funds in my business checking account to cover all my business account transactions & Trust charged me 2- {$36.00} fees in the same day XXXX which is not acceptable. I had enough in this account to cover everything. If they continue to do business like this ; Ill have to close my business account ending XXXX, 2-checking accounts & one savings account. I even had {$400.00} in my savings account for a backup on my accounts. Truist has did this before on my account & put fees & I had the funds there. I even spoke to XXXX XXXX at the XXXX XXXX XXXX XXXX was baffled as well saying funds were in the account & trying to figure out why Truist charged me 2 fees. My next step is to go to the news & seek an attorney because if they are doing this to me as a customer, they are doing many other customers this way. I want these XXXX overdraft fees credited back for {$36.00} x 2. Truist needs to be investigating because when my checking account I had funds in it for a light bill & Truist told me I didnt have the funds & returned my light bill payment & I couldnt figure out how {$300.00} was unaccounted for.
Consumer complaint received 2024-09-12
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: Credit Bureau Systems, Inc., Paducah, KY Branch (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as XXXX state law concerning identity theft and consumer protection. 

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, under XXXX law, specifically XXXX of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that XXXX XXXX XXXX immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant XXXX statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that XXXX XXXX XXXX will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.