davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a billing statement XX/XX/XXXX stating I owed XXXX by XX/XX/XXXX. I log onto my account XX/XX/XXXX and I select pay total amount on the website and on the statement the numbers stilled showed XXXX so I paid that amount. XX/XX/XXXX XXXX hit with a XXXX interest fee. I call customer service the first person I spoke said since my account was closed they wont adjust the interest and he couldnt hear me. I called in an hour later I called and spoke to someone and they said I need to pay 2 consecutive months total balance in order to not get anymore interest. I requested a manager she said she wont waive the fee and I shouldve called in for a pay off. I said o line gave me the option to pay the total amount why didnt online reflect what I actually owed? I would like the interest of XXXX to be reimbursed I paid them over XXXX and thats what it said I owed this is such a scam
Consumer complaint received 2024-03-18
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 (CA)

My company uses American Express gift cards as holiday prizes, and I have a few at varying amounts. Despite their website advertising " Use online and in-store '' ( XXXX XXXX XXXX  ) I am constantly denied from using the card at websites that do support Amex cards. They have no method of " registering '' the card to set my name or zip code, and so there is effectively no way to use the card online at most locations. This to me is fraudulent advertising, if known by the company and not disclosed. They should know how many times a card is attempted to be used online and denied, and I would suspect this is over 90 % of the time. I think CFPB is empowered to ask that question to determine how frequently this is happening. The answer " try somewhere else '' is not reasonable when they advertise " ... gift Cards XXXX be used virtually anywhere in the XXXX that accept American Express Cards ''. I have tried various online retailers and have failed nearly every time. I think I found XXXX retailer who allowed use, but it was by far the odd one out. Online discussion forums recommend using for bill pay, so I set it to pay my XXXX XXXX XXXX. It was declined. I set it for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, declined. My local refuse collection, declined. To me this is well beyond what is reasonable to expect from a service that markets as " XXXX online and in-store ''. They must know that this is a problem, but are clearly uninterested in making it better. 

I have XXXX cards currently totaling the following : {$700.00} {$50.00} {$25.00} {$200.00} that I was able to use some and now has {$82.00} remaining I have had these cards for over a year, effectively losing value in record inflation while they withhold my ability to use them. I should have the option to request a check or they should be required to offer registration of cards so they are usable online as they advertise. They note on their website : " To avoid your Card being declined when shopping online, please use at online merchants that require the Card number, expiration and security code '' All sites that I referenced requested all information mentioned and were still declined. So clearly something is off and I think asking American Express about the frequency of declined purchases and the amount held in their account because of these declinations would be interesting. As I see it, they have a vested interest in declining valid purchases as long as possible, and other than public pressure and ridicule, they have no reason to make it better. Federal pressure could help make them do better.
Consumer complaint received 2024-05-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NY)

I have reached out to XXXX XXXX XXXX and asked them to verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). I asked them to treat my letter as a formal dispute and to refrain from reporting this debt and request for verification, pursuant to 15 U.S.C 1692 ( b ) which was received on XX/XX/XXXX ( photo attached ). They also stated that if I write them by XX/XX/XXXX they would stop collection on any amount I disputed until they send me information that shows I owed a debt ( photo attached ). On XX/XX/XXXX they added this to my report. I have yet to record confirmation of any debt as of yet. Also this is a collections account which was sold to a third party which I never gave consent to violating the privacy act of 1974.
Consumer complaint received 2024-04-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (NY)

southwest credit systems XXXX XXXX is reporting a collection on my XXXX credit report on behalf of XXXX XXXX for an account which I have no knowledge of. I have never given anyone permission to establish cable/cell service in my name with charter communications. Nor did I ever establish the service myself. 

Although the balanced owed is small {$220.00} and can be easily paid, I refuse to pay it because it is a debt that is fraudulent and not validated. I am requesting full verification and validation of the debt. if there is no signed paperwork or contract with my name and authorized signature, I want southwest credit system to delete the fraudulent debt from my XXXX credit report immediately. 

Note : XXXX has already deleted it after my dispute filing on XX/XX/2024 but XXXX refuse to remove it.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have discovered XXXX ( XXXX ) credit inquiries on my credit report that I have never applied for or submitted my personal information to use. I have contacted XXXX and they are showing all XXXX of the credit inquiries. I requested that any further inquiries into my credit score to " XXXX ''. 
I have contacted XXXX XXXX and XXXX as well. XXXX XXXX and XXXX are only showing XXXX " hard inquiries '' attempted to gain a line of credit from " XXXX XXXX ''. 
Below are the XXXX known credit inquiries : XXXX XX/XX/XXXXXXXX on XX/XX/year> XX/XX/XXXXXXXX on XX/XX/year> XX/XX/XXXXXXXX on XX/XX/year> Bank of America on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> Again I have never applied or authorized any line of credits or inquiries for any such matter. I do not know how or who may have my personal information.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION (CA)

There is a plethora of banking errors, overcharges, and money being transferred out of my account without my knowledge. I want copies of all transfers and money on hold. 18 US Code Section 1341 Frauds and Swindles.
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO. (KS)

My husband traded his XXXX XXXX XXXX for a new XXXX XXXX XXXX in XXXX on XX/XX/XXXX. 
They let us take it home and then rewrote the contract on the XXXX. 
They gave him an allowance of XXXX for his trade in. He had XXXX he owed and they paid it off to Ford Motor Credit which gave him XXXX positive to go towards the new XXXX. 
They added that XXXX back on to the revised contract and stole his XXXX XXXX. 
Our payment and interest are extremely high for someone who paid off a XXXX truck and that XXXX added in made the payment high! 
They marked up the XXXX sticker which was XXXX to XXXX! 
XXXX XXXX XXXX in XXXX stole my husbands truck. They resold this truck for almost XXXX. 
My husband paid in XXXX $ and lost his truck and now we will be forced to bankrupt this one which I am a cobuyer on because we are essentially paying for his old truck balance and the new one!
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NJ)

This account had a XXXX balance when it was closed out, the balance be reported on my credit is false. According to FRCA section 605B it is illegal to report information on my credit report without my permission please remove this off my credit report thank you
Consumer complaint received 2023-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

Capio partners is a third party company that is based out of Texas, but I live in Florida and do buisness in Florida so that violates code 15 usc 1692b ( 2 ).

Second, Capio partners recieved bought my information without my consent so this is also identity theft. Which is also illegal.

Last they also reported inaccurate things to my credit report. For example investigate : XXXX doesnt even have it reported at all, column Date opened, column last reported, and column date last active all are inaccurate with different information.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

Chime bank denied me a refund that I never authorized it it was unauthorized but yet the bank side with the merchant, as for as I know the law is it was unauthorized then Im to get refund bitcoin refuse to refund me so you guy are my last hope
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC placed 2 collection accounts on my credit report but have failed to send me proof they own the alleged debt even though I wrote them several times. These are the amounts and account numbers : 1. {$1000.00} - Acct. # XXXX XXXX. {$1100.00} - Acct. # XXXX I never had an account with LVNV Funding LLC! I asked to be sent one or all of the following : 1. a copy a contract with LVNV Funding LLC showing my name 2. a copy of a bill of sale for the alleged account showing my name 3. an unredacted copy of the asset schedule showing my name 4. a copy of any purchase and sale agreement for my account
Consumer complaint received 2024-03-03
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

To put things into context Maryland authority general states A landlord is entitled to keep an application fee of {$25.00} or less. If an application fee is more than {$25.00}, any amount that was not actually used to process the appli- cation must be returned to you within 15 days after youve moved in. ( This does not apply when a landlord offers four or less units at the location, or to seasonal or condo rent- als. ) If either you or the landlord has sent a letter saying the rental wont take place, you are still entitled to a refund of your application fee, less the landlords application-related expenses. You have the right to ask the landlord to provide a written explanation of exactly what expenses were incurred, and what the cost of each item was. i asked for this from both the original creditors and the debt collector and I wasnt provided with this itemized receipt. So if their were any left over money it should be refunded to me since they denied me a receipt Im entitled to I charge back the cost of the application. Because they want to rob me and they know i cant get a collection on the and damage their credit score.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My other dispute has locked my credit report when I called I was hung up by your automated phone system. I need a copy of my recent report right away per the letter I received from TransUnion that says I need to itemize each dispute, I was mailed 1 form no return postage and no copy of my credit report. This is holding up my credit
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian Dispute Specialists have altered my disputes on several occasions to my disadvantage despite my written proof of the error provided by the account servicer. Their practices are illegal and violate my consumer rights. 
According to Experian : All documentation will be reviewed by an Experian Dispute Specialist. If the documentation can be validated as relevant to your dispute, we may use it to update your credit report or it may be shared with the data furnisher for the purpose of processing your dispute. Your original dispute may be modified and/or a new dispute may be opened in light of the information you provided. You will receive notifications if the original dispute is modified and/or a new one is opened. 
I have provided proof that my account was in deferment as it should have been according to the provisions of the guarantor. However, the information remains.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

The company furnished my information without my written consent. When I notified the company that I revoked all rights they had to furnish my information, they ignored and kept it up in violation of my consumer rights. XXXX XXXX states in their terms and conditions that they do not furnish information to non affiliated third parties, and the FCRA states you must get written consent 30 days prior to furnishing information. I received no such notice. There are also inaccuracies in the report.
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I learned of this account upon checking my credit reports. I have attempted to dispute the debt. However, it continues to be noted as verified. XXXX  in particular seems to be using internal practices to prevent my disputes from being processed completely. This occurrance is a recent as today. My most recent dispute read as follows : Your firm has violated provisions of the FDCPA by implying the legal status of the debt is collectible ; by reporting the alleged debt to the credit bureaus. [ 15 USC 1692e ] Please remove this account immediately.

My position is one, I was completely unaware of this account. Two, I am unaware whether or not this account belongs to me, and furthermore, according to the information provided on my credit report the original creditor account of the alleged debt is out of the statute of limitations, and this appears to be an attempt to collect on zombie debt. Absent of adequate documentation to prove in court that this entity has a legal right to report this negative information on my credit report, they are in violation of the Fair Credit Reporting Act as well as the FDCPA. Non-compliance may render this entity into serious litigation with the FTC and other governmental agencies. Under the FCRA and the FCRA, each violation is subject to a {$1000.00} fine payable to me.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CO)

I opened a savings account with Ally Bank, not much longer after transferring money into the account they locked my online banking. I have contacted the company to unlock the account and they have notified me that they have closed the account and will not issue the return of my money. I had over {$12000.00} that I put in the account over a span of 5 months. I have contacted the company several times and they state that I have to contact whoever issued me my funds. They stated I would need to goto my work and ask them.
Consumer complaint received 2024-05-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cascade Collections, Inc. (OR)

Cascade Collection Service contacted my husband 's ex-wife about my debt. He has not been married to her for over 12 years. She does not live with us or in the same town. There was no reason for them to reach out to her.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I tried to close my safe deposit box. I was told by XXXX XXXX to return to the XXXX branch on several occasions. Each time, I arrived, I was told that the locksmith was not available, as I needed to be there while the lock was changed. After keeping XXXX " appointments '' to close my safe deposit box acct., I spoke with the XXXX who reprimanded me for " expecting the locksmith to wait for XXXX hours in the lobby for me, '' pointing her finger at me and then at the lobby. She raised her voice, but I remained calm and then showed up again for the XXXX appointment, at which time, on XX/XX/XXXX, I again waited for the locksmith to arrive. This time, he arrived and my safe deposit box was closed. Today, XX/XX/XXXX, I received a letter stating that I will be charged {$70.00} for " setting up automatic payments for [ my ] safe deposit box. '' I will be contesting this fraudulent charge with my bank, but I need to alert other consumers about their treatment, deception, and fraudulent billing.
Consumer complaint received 2024-05-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Santander Consumer USA Inc . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-28
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MO)

I have a title with Infiniti Financial as the lien holder. I paid them off in XXXX. They acknowledge that I paid them off in XXXX. They are refusing to provide me with a lien release so that I can sell my car.
Consumer complaint received 2024-04-24
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: JPMORGAN CHASE & CO. (AZ)

JP Chase has for over 3 months lied to consumer finance.gov and myself over a fraudulent attempt at opening a credit account. 

They have admitted to the fraudulent attempt at credit and said ( in writing on this site ) that they would fix the problem but would need time. 

After doing some research and talking with all 3 credit bureaus, they answer they gave here ( case XXXX ) turned out to be a complete fabrication and 90 days were not required. 

Regardless, the 90 days has come and gone and Chase has STILL not removed the fraudulent credit inquiry from my credit report and is pleading ignorance now ( again refer to case XXXX ) Chase should be held liable for this blatant abuse of the system and its way of retaliating against consumers who dare question them. 

I have been trying for over 3 months for them to resolve this issue and they refuse to do so, even after saying in writing this would be resolved.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (NY)

I have asked American Express to stop soliciting credit applications from me for XXXX years. American Express repeatedly solicits credit applications from me. I have put my information on opt-out with XXXX  XXXX, XXXX XXXX XXXX XXXX and XXXX with Amex  and XXXX CFPB. I have added all of my addresses multiple times, i have included all of my email addresses multiple times, and i have asked to have my businesses taken off of the american express solicitation list. American Express repeatedly answers these complaints with boiler plate language insinuating that i am upset because they will not approve me for their card. Although, i am only asking that i be removed from the mailing lists and have my addresses opted out of solicitations from the cards. i have spent several XXXX dollars repairing my credit and receiving advice on how to lower my interest payments, reduce my debt, and to better manage my monthly budget and my finances. Yet, American Express still continues to ignore my requests to be opted out and continues to send me solicitations. I have dozens of complaints about American Express in my CFPB dashboard and they continue to market to me. I wish to be removed from all mailings at all of my known mailing addresses including ; XXXX XXXX  XXXX XXXX, NY XXXX. XXXX XXXX   XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX