davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (CA)

XXXX submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION oXXXX XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXXXXXX 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 XX/XX/XXXX -- -- -- -- -EQUIFAX XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2023-10-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2023, I deposited a check from my husband for a value of {$1100.00} into my account by mistake. The money came out on XX/XX/2023. Two days before the deposit was received, they closed my account. account and the reason was that the check had been reported as stolen which is not serious because my husband did not report it and the company from which the funds were received for work did not report it either. I called Bank America they said that the money was going to be returned to where it came from, I went back and contacted them and they told me that they were going to transfer it back to the company we called the company and they said that they did not inform them anything and that they could not do Nothing came back and I contacted them and they told me that the bank was investigating where the funds came from. My husband was listening to the call and gave the number of the company in which they verified that the money was not STOLEN as they said it had been on the day. On XX/XX/XXXX, they had a meeting and decided that they were going to reopen my account. I called on XX/XX/XXXX and the account was actually active again. I asked about the money that was in my account since it appeared in XXXX and they told me that it would take 5 days. They were able to return it to my account, I called every day and each time they told me something different. The last time I called, which was on XX/XX/2023, they told me that on XX/XX/XXXX they would return them to me and I verified my account. and they did not return them and they do not solve me.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXXXXXX XXXXXXXX  I started the dispute process for 4 accounts that have reported errors to my Equifax credit report. I sent my letter directly to Equifax and waited the required 30 days when I did not receive a response I sent them a 2nd letter advising that I had sent a dispute and provided them proof that the letter was received along with a copy of the original letter and my photo ID and proof of address. And waited another 30 days and still have not received a response. I gave them additional time due to the holidays to respond to my disputes and they have yet to respond. So I am filing an official complaint. It is my understanding that under the Fair Credit Reporting Act if the credit bureaus do not respond to my dispute within 30 days, the items disputed are required to be removed from my credit report. Attached to this complaint is a copy of the original letter I sent as well as the 2nd letter and proof that both letters were received.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion shows that I have a late payment on my XXXX XXXX closed account. I have never been late on said account and XXXX and XXXX credit reports shows that. I have disputed this with the company a few times dating back to XXXXXXXX XXXX XXXX
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CT)

I received a Vanilla gift card of {$25.00} for my sons first birthday. I took it out of its originally packaging ( still have ) and I proceeded to use the card. It didnt work because it was damaged and more than half of the card numbers were missing. I called Vanilla customer service and I opened up a case was told to email pictures of the gift card front and back and I would received a replacement and a confirmation that my pictures were received. I received an email hours later stating that I would need the original receipt as well. I do not have the receipt nor does the friend that purchased the gift card for my son. She bought it at a XXXX and when she went back with giftcard they told her they couldnt do anything and that this has been happening a lot with Vanilla gift cards. Its starting to look like a scam. All in all I didnt receive a replacement card.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

I paid the full credit card balance. Auto payment from my new checking account was applied to the account leaving a credit balance. I contacted the bank to request the account closure and process a request to refund the balance remaining. I was never notified that Chase would add additional interest after the account was paid off. Additionally, the employee didn't notify me of additional interest or reconcile this prior to issuing a credit refund. I authorized Chase to pay the balance and they submitted it to my closed checking account that had a XXXX balance. 

I received an email from Chase advising that the payment was rejected and they were going to submit this a second time yet my balance is showing today as XXXX on my chase account. I called on XX/XX/year> and spoke to an employee who transferred me to a XXXX. I explained I was surprised by the additional interest charged after the account had been closed and disappointed at their lack of disclosure of additional interest charges and that they hadn't reconciled before sending me a refund check. I asked the XXXX why Chase didn't inform me of the future interest that would be applied to my account when closed. She responded that they were under no obligation to do so, rather they would simply follow the request to close the account and issue a check for the credit balance. She also explained they would not have access to additional interest that would be charged until after the full billing cycle which the employee would not have had access to when he spoke with me. 

I asked for options to make sure the payment is finalized to which she said I'd have to wait an additional XXXX or 4 days for the second processing to finalize. 

I asked if or when this payment on the interest is finalized are they going to add additional interest on top of the interest and if so, how much would that be. She responded that additional interest could be charged but she would be unable to tell me until the end of the current billing cycle as to how much that additional interest would be. 

I'm very disappointed that a company such as Chase doesn't have the ability to tell people how much is actually due in order to close their accounts. If they do have the ability to do so then they fail to train their employees and managers how to fully disclose balances on accounts that allow customers to fully pay off an account.
Consumer complaint received 2023-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (GA)

This complaint is in regard to the harassment, negligence, and discrimination I have experienced with Discover Bank and their illegal debt collection practices. On the XXXX of XX/XX/2023, I was served papers from a debt collector, claiming to be representing Discover Bank, for an attempt to collect a debt that is not owed. According to the FDCPA, a debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of debt. I was not given any communication or any proper notice for the validation of debts before being wrongfully sued for this alleged debt obligation by Discover, in accordance to 15 U.S. Code 1692 and 12 CFR 1006.34 ( a ), nor did I receive any of the required disclosures, in pursuant to 12 CFR 1006.42. 

With that being said, I promptly responded to their court summons with the magistrate court and I sent a copy of my answer to Discover and their lawyers, along with a debt validation letter and a cease and desist. On the day of the hearing, Discover 's attorney didn't even have a copy of my response nor did he have any of the letters I sent them, which was by certified mail. It is now the end of XXXX and I have not received any of the documentation that I rightfully requested by law. Discover and their lawyers have ignored all of my attempts to get this debt properly verified, and have violated many of my privacy and consumer rights under the Fair Debt Collection Practices Act. I have called Discover multiple times trying to gather more information by my own merit and even their customer service team has no information on the account number they provided. Discover and their representatives are worsening my financial burdens. I have had this alleged debt obligation weighing on my mental health for over 3 months now. They are wrongfully attempting to collect a debt that is not owed and are harassing me for monies they can't even verify in their own system. This entire ordeal has been sketchy in manner, unprofessional and unlawful, most importantly. There is no proof of this alleged debt obligation and I am tired of being ignored. Discover is not operating in the covenant of good faith and fair dealing with their consumers!
Consumer complaint received 2023-08-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (OR)

The Chrysler Capital Finance website My Account has confusing and potentially purposefully deceptive layering. When I log into My Account account summary screen will note that - - in the Amount Due. There is a? next to this and if you follow the prompt, you receive the following info : Amount due includes your next monthly payment amount plus any unpaid past due amounts, fees, and charges ( if applicable ). 
Balance may vary from your statement based on recent activity.

At this point most people, including myself, would say, Oh, no amount due. and log off. I have done this and wondered why I keep getting charged late fees or have missed payments.

If you should go further into your account info, a separate screen, it will allow you to access a Transaction History and will indicate that you do have an amount due and the due date for that payment. ( I have screen shots of both these pages. ) I have questioned late fees and missed payments with customer service representatives on numerous occasions over the course of my lease. I have even been promised refunds of late fees that never happened. 

I am sure that I am not the only one who sees - - amount due and moves on. Chrysler Capital is likely making millions on late fees and, if reporting to credit agencies, negatively impacting peoples credit. They have no incentive to change this confusing account information practice. 

Please look into this. I believe that CC should be refunding late fees and writing correction letters to credit bureaus.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NJ)

A fraudulent bank account was opened using my name and social security number when someone gained access to my e-mail account. As a result, when I attempted to open my account with Chase I was unable to as a security alert was placed on my account. My personal banker worked with me to rectify the issue and I was able to finally open accounts with Chase. I recently tried to open a new account with Chase and the same issue has occurred where the security alert caused my account to be closed. My personal banker and a few representatives from Chase understands that this was done in error but they are not getting the proper approval necessary to reopen my account from their back office team.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Caine and Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Cease and Desist Communication Regarding [ XXXX and XXXX ] Please Report to sender, I am writing to you regarding the above-referenced account. I request that you cease and desist all communication with me concerning this debt, effective immediately, as per my rights under 15 USC 1692c of the Fair Debt Collection Practices Act ( FDCPA ). 

Please note that any further contact from your agency regarding this matter will be considered a violation of the FDCPA, and I will be forced to take appropriate action to protect my rights. This includes, but is not limited to, filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General 's office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I received by mail, a letter from Transworld Systems Inc., trying to collect a supposed energy service pending to pay invoices. It shows 2 accounts on late payment status that are not mine. 
The accounts are from an energy power company named XXXX XXXXXXXX XXXX XXXX from ( both ) XX/XX/year> for the amount of {$370.00} and {$380.00}. I have never worked with that energy company. This is the third time TSI try to collect this invoices from me and this is the third time I have to reject and clarify the wrong collection with them. 
My Energy provider at that dates were XXXX XXXX and my address is XXXX XXXX XXXX XXXX. XXXX, TX XXXX. I dont have any other addresses. So what TSI are trying to collect are fake or for another XXXX XXXX ( homonym ) accounts. 
It is important to mention that about four years ago I put a Security Freeze in my Credit Report to avoid this kind of problems. So it is not possible that this accounts exists due that I never consented them. 
If Transworld System Inc. and XXXX XXXX XXXX  XXXX insist in not removing these fake accounts, I will demand them ( again ) to show me proof, copy of the Energy Bills that they falsely claim I didnt pay, including the following information : - Account Number - Invoice Number - ESI Number - Meter Code Number - Customer Name - Customer Address - Previous Meter Read - Current Meter Read - Kwh Usage - Bill Date - Total amount due - Period of electricity provided. 
- Opening Balance - Balance Forward - Due date - Electricity Charges- XXXX  Charges - Cost per Kwh Thank you!
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery calls me everyday from different numbers. I have already requested no calls, yet they continue to do so. The calls do not allow me to not accept the call. I only have the option to answer or send to voicemail. I have blocked every number theyve called me from- however, the numbers are randomized.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is my 2nd endeavors to tell the 3 credit bureaus 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (CA)

Apple has denied me extensions of a credit limit increase because of XXXX late payment out of XXXX years of on time payments had a financial impact from covid and i fixed the problem paid {$880.00} to credit and received no benefits nor increased of my credit limit and denial of my credit is unacceptable and unlawful under 12 CFR 1002.4 regulations b ECOA cant deny me credit is discrimination
Consumer complaint received 2023-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (TX)

XXXX is the master servicer for my loan, and subservices it out to LoanCare. They experienced a data breach/cyber security attack almost a month ago, and have provided misinformation and barely any details about what transpired. My contact info is below to identify my loan. I need the following : 1. Assurance that all borrower payments will be backdated to the effective date of the breach to avoid additional interest overcharges. 2. Loancare/XXXX XXXX  validate my debt to the CFPB as required and timely 3. Confirm timely payment of property taxes from escrow account without any penalties/interest charged to me as a result of their breach All of these are financial harm against consumers. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (DE)

according to 604e FCRA the following closed accounts needs to be removed of my credit report. The Credit bureaus XXXX, XXXX or XXXX did not verify or investigate the closure of the accounts listed on my credit report. The following listed closed accounts need to be removed. XXXX XXXX, XXXX XXXX XXXX  and XXXX.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

according to 604e FCRA the following closed accounts needs to be removed of my credit report. The Credit bureaus XXXX, XXXX or XXXX did not verify or investigate the closure of the accounts listed on my credit report. The following listed closed accounts need to be removed. XXXX XXXX, XXXX XXXX XXXX  and XXXX.
Consumer complaint received 2024-06-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (GA)

Citibank does not provide an option to the account holder to close an account. Every time I need to close an account that has matured, I have to chat or call Citibank and wait for an hour to get this closed. 
This is unethical practice from Citibank not to allow account holders to close account by themselves. 
They tried to auto-renew and hold on to the money.