davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

I purchased a washing machine from Best Buy on my Best Buy XXXX card at the end of XXXX, XXXX for {$XXXX}. I made {$XXXX} payments on my card on XX/XX/XXXX and XX/XX/XXXX. These payments had me well out in front of the minimum monthly payment. I had an auto-pay setup in my bank account to pay {$XXXX} again on XX/XX/XXXX. I received a notice that my account was in arrears and I would be assessed a {$XXXX} penalty. I called and complained that my account was well in front based on my payments and didn't understand how my account could be behind when they had received nearly half the balance within 60 days. I was informed that doesn't matter. Today ( XX/XX/XXXX ) I paid the balance including the penalty and closed my account. I will never do business with XXXX again. My feeling is that they stole {$XXXX} from me, or perhaps they invested {$XXXX} in their advertising and marketing of how they operate as gangsters and thieves. Regardless, I am very unhappy and reporting their business practices in the hopes they will be curtailed. My account was over XXXX years active. I had received credit increases and spent over {$XXXX} on my card, always paying my account early. I am the victim of theft at the hands of XXXX.
Consumer complaint received 2024-08-14
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: WELLS FARGO & COMPANY (TX)

The unfavorable rating on my account is a source of great anxiety. I'm deeply concerned about its potential consequences for my creditworthiness. This negative mark has already led to a rejected loan application and elevated interest rates on my existing credit accounts. I can not overstate the financial burden and emotional strain this adverse rating has inflicted and will continue to inflict until it's addressed.
Consumer complaint received 2024-08-20
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. ()

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC XXXX692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2016-05-18
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Cottonwood Financial Ltd. (TX)

The company is owner of the note is dispute. and the calls at XXXX or the calls at XXXX are against the credit laws. The amount is incorrect on the note amount. 
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I HAVE TRIED DISPUTING THIS ACCOUNT ON SEVERAL OCCASIONS WITH THE CREDIT BUREAUS AND WITH XXXX XXXX XXXX XXXX. I HAVE BEEN A VICTIM OF IDENTITY THEFT THREE TIMES. THIS ACCOUNT IS FRAUDULENT AND WAS OPENED WITHOUT MY AUTHORIZATION. I AM FRUSTRATED AND TIRED OF DISPUTING THIS ACCOUNT BECAUSE IT HAS BEEN HINDERING ME FROM MOVING FORWARD WITH OTHER FINANCIAL OBLIGATIONS. THIS ACCOUNT IS REPORTING NEGATIVELY AND KEEPING MY CREDIT SCORES DOWN.
Consumer complaint received 2024-07-01
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. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (NV)

My mortgage service company, XXXX XXXX XXXX, transferred my home mortgage to another servicing company, Shellpoint Mortgage Servicing. I received letters from Shellpoint stating this would be an easy process and didn't need to do anything re : bank routing # 's etc. 

At this time I paid my XXXX mortgage payment to XXXX XXXX XXXX on XX/XX/year> with a direct payment from my checking account. I have sent Shellpoint a proof of payment confirmation from my bank. 

Shellpoint has called me 4 times to say that I am behind in my payments. The first call was from " XXXX '' and I explained the payment was made to XXXX XXXX XXXX, and she told that would be ok, they just hadn't received the funds from XXXX. There were three more phone calls after that, stating I was delinquent. I go through the whole story and they tell me that they have noted that on the account. If that is true, why are they still calling me? 

I tried calling XXXX XXXX and everything gets directed to Shellpoint. I have called Shellpoint but am unable to ever get through due to " high volume '' of phone calls. I have emailed Shellpoint and am still waiting on a response. Today is XX/XX/year> and nothing has been resolved, nor can I get through to either servicing company via a phone call.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (OH)

Hello I recently opened an account with Citibank and just got paid into it, after i got paid they closed my account and told me I can not access it without a debit card which I ordered and never got it and I asked to re order and they said I have to go to the branch, which I can go because I stay in XXXXXXXX XXXX  not in XXXX XXXX  and all the representatives I called all said they can not help me.
Consumer complaint received 2024-09-04
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MortgagePros, LLC (CA)

I have contacted MortgagePros several times via email, requesting the cancellation of my loan application. However, despite my repeated attempts, the company has not responded and has continued to conduct multiple credit inquiries on my account without my consent.

I kindly ask that this matter be addressed immediately, and that all further inquiries be ceased. Additionally, I request that MortagagePros connect with the relevant credit bureaus to remove any unauthorized credit inquiries made by MortagagePos.

I want them to confirm the request to removed inquiries on credit history.
Consumer complaint received 2024-07-01
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

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 XXXXXXXX has violated my rights. 

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C. 1681 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (CO)

XX/XX/XXXX Subject : Harassment by Harley-Davidson Financial Services Dear Sir/Madam, I am writing to file a formal complaint regarding the harassment I have experienced from Harley-Davidson Financial Services. I have a loan with Harley-Davidson , for which my payment was due on XX/XX/XXXX. 

Over the past XXXX days, I have received approximately XXXX phone calls from Harley-Davidson Financial Services regarding this payment, even though it was not yet XXXX days late as of today, XX/XX/XXXX. I consider this level of contact to be excessive and harassing, especially since I was fully aware of the payment due date and intended to address it within the XXXX grace period. I would also like to add this has been happening since I bought it in XXXX of XXXX. Ive only been 30 days late XXXX time. 

I believe that this repeated contact violates the Fair Debt Collection Practices Act ( FDCPA ), which restricts the frequency and nature of contact from creditors. I kindly request that the FTC investigate this matter and take appropriate action to ensure that Harley-Davidson Financial Services complies with federal regulations regarding debt collection practices.

Please inform me of any steps I need to take or additional information I can provide to support this complaint. I appreciate your attention to this matter and look forward to a resolution that upholds consumer rights. 

Thank you for your assistance.
Consumer complaint received 2023-08-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NY)

Initially opened a IRA CD with State Farm Bank. Subsequently, State Farm Bank exited the banking business and transferred my account to US Bank. 

My IRA CD, now with US Bank, matured on XX/XX/2023 with a balance of {$13000.00}. I phoned US Bank on XX/XX/2023 to redeem the CD. US Bank mailed me a form to close the CD. I completed the form and sent it back to US Bank during the second week of XX/XX/2023. A month later I received a form letter from US Bank indicating that they could not redeem the CD as the CD number was excluded from their form. It should be noted that US Banks form was pre-populated with my IRA Account Plan Number, which apparently is different than the CD number. I recompleted and submitted the US Bank form on XX/XX/2023. 

I called US Bank on XX/XX/XXXX and XX/XX/2023 inquiring about my CD redemption. I was advised by US Bank that they were backed up and could not provide a date when I would receive my redeemed CD. 

It has been almost three months since my CD matured and I still do not have my money.
Consumer complaint received 2024-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

On XX/XX/year>, I received an alert that a negative account record had been added to my credit report. After investigating, I discovered that Caine & Weiner had placed a collection account on my credit file on behalf of XXXX XXXX XXXX. I contacted Caine & Weiner and informed them that the account did not belong to me and that I had never had any business dealings with XXXX. 

I also emphasized that I reside in a different state and have never lived at the address associated with the account. Caine & Weiner refused to provide me with information about the account over the phone. A XXXX  promised to send me proof of the debt to the address I provided. I also contacted XXXX XXXX XXXX, who verified that I did not have an account with them and stated that they had never provided any information about me to Caine & Weiner. 

I followed up with Caine & Weiner via phone on XX/XX/year>, to inquire about the promised information. I was told that I would need to speak with XXXX. To date, I have not received the proof that the XXXX at Caine & Weiner stated would be sent to me. I believe Caine & Weiner illegally obtained my personal information ( such as my birthdate and social security number ) to fraudulently place the false record on my credit file. 

This inaccurate collection notice has caused me significant financial and emotional distress.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

Re American Express Blue Cash Everyday card : Deceptive practice This summer I have been purchasing many items online as materials and fixtures for my apartment renovation. I have used the above AmEx card because it offers 3 % cash back on online retail purchases. I learned today XX/XX/XXXX that my ability to earn 3 % back ceased on XX/XX/XXXX when I had reached {$6000.00} in purchases, and until the new year such purchases would earn 1 %. But AmEx did not inform me of that decreased reward amount until today when I called for an explanation regarding the absent 3 % designation on my monthly statement. Thus since XX/XX/XXXX I unknowingly made FIFTEEN purchases totalling {$1300.00} for which I will earn not {$39.00} but {$13.00}. 

This is a deliberate deceptive practice. It is impossible to keep track of how much one has spent up to any point on the calendar with a particular feature of a single credit card. XXXX can't just sum the amounts of monthly statements because on AmEx expenses for groceries and for gasoline, also rewarded with 3 % cash back, each have their own {$6000.00} maximums. I asked the AmEx representative why I wasn't informed that my cash back status had changed and was told that they didn't do that. Had they emailed me that they were cutting me off from the 3 % I would not have used AmEx but a XXXX card that gives me 2 % back on everything and without a limit. By not telling me, they got my charges but did not have to reward me what they had promised. 

Please inform others of this deception.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was doing my regularly credit report check and noticed that there was a strange account from XXXX XXXX XXXX XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The account was opened XX/XX/2022 ( XXXX yrs, XXXX mos ) and shows as open. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
Consumer complaint received 2024-05-14
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: Experian Information Solutions Inc. (ME)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

Chase solicited me for a new credit card offering a XXXX % balance transfer introductory rate. Nowhere on the front advertising or balance transfer steps did it note that a balance can not be transferred from a Chase account. I went to the website online rather than use the physical form to apply. Again it was not clearly stated that Chase transfers were precluded. When I attempted to enter the transfer account I did not receive a warning about the ineligibility of current chase balances, I received a warning asking me for the 3 digit cvv code on the card I had yet to receive. 
When I received the card I then received the warning chase balances were ineligible. 
I called chase and asked for either an exception or to have the account closed and removed from my credit as it would impact my score. They refused the exception and further stated any change in the reporting would need to be done through the bureaus. This was after I pointed out the advertising was deceptive and hiding these critical details in small print is at best shady. It also forces me to make efforts and plead my case to a third party to resolve the harm.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NC)

My Amex XXXX Blue Card, ending in XXXX, had an active 0 % APR offer. Unexpectedly, the offer was revoked when my auto-pay attempted to draft payment from a closed account. The credit card AND payment account were BOTH OWNED BY AMEX, and alternative payment accounts were already connected and authorized. I assumed the system would remove the closed account, considering the company was aware of its status. This situation caused numerous financial disruptions, but I trust Amex will rectify it. The company did not notify me of the change in offer status before the end of my billing cycle, triggering a penalty APR and interest charge. The company claims theyre not obligated to inform customers, which I find surprising as a loyal XXXX customer with XXXX of their credit/lending products. However, they DID notify me when the intro APR term ended on a previous card with an identical offer, so I reasonably expected the same communication. I would have paid the entire balance and avoided the interest charges if I had been notified. Given this additional context of historical precedent, the company 's failure to notify appears opportunistic and malicious. I contacted a support agent via the online chat, who denied my interest waiver request. I then worked with a subsequent agent to close all of my credit cards, XXXX  checking, and XXXX  Line of Credit. This agent suggested I reconnect with a support agent to find an alternative solution " based on my account status and membership. '' So, I did. It turns out that the second agent grossly overestimated American Expresss loyalty because subsequent agents could not have cared less about my membership history. No one attempted an alternative solution, and every agent I spoke with tried to end the chat quickly. This isnt the level of customer service I expected when opening XXXX platinum credit card accounts. I expect the intro offer to be reinstated and the interest charge refunded.
Consumer complaint received 2024-08-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : **Formal Dispute of Inaccurate Credit Reporting** Account : **Bank of America** Account XXXX XXXX XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy of information being reported on my credit report related to the above-referenced account. The information provided by Bank of America on my credit report contains several inaccuracies, which I have attached I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and the removal of the incorrect information from my credit report. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to report only accurate and complete information. The discrepancies listed in the attached documents violate the FCRA by providing inconsistent, inaccurate, and misleading information. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute the completeness or accuracy of any item of information contained in my credit file, and the credit reporting agency must conduct a reasonable investigation to determine whether the disputed information is accurate.