davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NJ)

Hello, After I fully paid my " total balance '' of Americal Express credit card, the total amount decreased instantaneously to the payment amount. Screenshots were taken before the payment and after. There were no pending transactions. Two weeks later, the total reflected balance did not match the sum of the remaining balance and all posted transactions and also does not match as of the day of this complaint. I requested the account audit twice ; however, my requests were not fulfilled, and instead, customer service representatives created a dispute about my partial payment and started an investigation, which I asked to close since I had never requested it. Two days later, I have called American Express several times requesting an update on the ticket that I had opened with them and till date there has been no emails/phone/updates from them at all ; two months have passed and I have not heard from American Express with a reconciliation statement. I have attached screenshots of my payments showing XXXX, then a a few days later amex adding a none existing number to the following billing statement. In conclusion, when I requested to freeze my account until the audit was completed, I was advised to pay the amount to avoid additional fees and the debt-collecting process. In addition, the customer service representatives confirmed that they automatically record all phone calls without the consent of customers ; however, they referred to the internal rules and refused to name the policy, refused to provide a phone call recording, and stated that does not give consent to be recorded.
Consumer complaint received 2024-04-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Nationwide Capital Services, LLC (WA)

I do not recall taking this loan out. I also had a CC that somebody fraudulently opened around the same time. I did not receive money for this loan. I did try to call them but they were very rude and insisted since my social was the right number it was me that took the loan out. I have never taken a pay day loan in my life. I did not receive this money, they said that somebody also paid on this loan, I did not.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

I pay my credit card off in full every month by automatically drafting from my checking account. Because of an issue with the software they ( Chase ) use - it was updating at the time of the draft- it did not properly draft on the XXXX of XXXX, the money was returned to my checking account. three days later they drafted again. For some reason the amount they drafted ( {$16000.00} ) was accounted for as a purchase. I can only assume this was due to them returning the payment. I am being charged for a credit card bill of {$29000.00} when it should be {$16000.00} less. What should be an easy issue to clarify appears to be something beyond the capabilities of whomever at Chase has reviewed this matter. I have spoken to 4 different customer service reps and 2 supervisors, spent hours on hold, and requested that someone who could analyze my situation call me. What I received was letter that read Im writing because you told us that you would like your credit card account reviewed to insure your credit card statements are correct. XXXX, we are happy to tell you that we reviewed your credit card statements at your request and found them to be correct. Im sorry for the delay in receiving a response. The letter was signed Card Services. No explanation, no person to refer to or make inquiries, no call, as was requested from the department that was to clarify this situation. As one who has been in customer service most of my professional life it is amazing to me that this company is able to operate and thrive with a complete and utter disregard for their customers.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

I was victim of XXXX XXXX XXXX XXXX they had video showing you could get more XXXX  if i send the XXXX to certain address so i send the XXXX to the address but it was fraud.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (CA)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NC)

I recently obtained a copy of my credit report and noticed that Santander has not removed and updated the late payments in XX/XX/2017 and XX/XX/2017 on my account. I previously had an account with Santander that has been paid as agreed and closed. When I noticed the inaccurate late payments, I contacted the creditor via phone and mail. The representative assured me the information was due to a billing error and would be updated correctly. 
Furnishing late payments to my profile due to billing errors is in violation of 15 USC 1666B. I've contacted the Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) via phone to try to resolve this issue as well, and the changes have yet to reflect. Reporting this information to my profile is impacting my payment history and opportunities to obtain new credit.
Consumer complaint received 2024-04-15
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. (IL)

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 2023-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made XXXX XX/XX/2023 XXXX the amount of {$450.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Regional Management Corporation (MO)

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Regional finance and XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (NC)

For the better part of a year i have been receiving calls from random XXXX numbers stating the call is from XXXX XXXX XXXX XXXX calling regarding a debt and asking me to return calls to a XXXX number. Each time I block the number, each time a new call ( sometimes multiple in a day ) comes from another XXXX number. I did an online search to confirm this is an actual agency, and the number listed online does NOT match numbers called from, nor numbers instructed to call. I called the number listed online and spoke with a representative named " XXXX ''. I explained the messages I've been receiving and she asked to confirm my number to look up my account. She could not find any account attached to my phone number. She asked for a reference number. None has ever been provided. Again, I KNOW I do not have any debt, other than a mortgage that is paid automatically monthly. I suggested to XXXX that their system XXXX have been hacked, placing lord knows how many people 's private information at risk. She was not bothered by this. I feel it is now way past time this is brought to the attention of governing bodies to address. 
Call list below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those are only the few that were not deleted from my voicemails.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I have been operating my business as a XXXX for the last XXXX  years, just recently decided with my tax professional that formalize my business in the form of an XXXX. which i did and went into a truist branch to open a business account for my new formed XXXX. Some short time later i walked into another truist branch and deposited a check for XXXX with a teller. they originally told me it would be a 7 day hold which is was no problem. That was on XX/XX/24. i was told the money would clear on XX/XX/24. the check was paid on by the issuer and collected by truist but when the XXXX came they told me they suspected fraud and refused to allow me to access my funds. truist then told me i had to wait a week for a letter to come in the email to see how to proceed. the letter in the mail stated i needed to call Truist enterprise fraud management at XXXX i proceeded to contact that department who told me that they needed a tax form to verify the funds were not fraudulent. I then on XX/XX/24 promptly submitted the XXXX tax forms for my business which verify the source of the funds. i was told i need to call back after a couple days to give them time to review the documentation i submitted. when i called back they told me they received the documents and all is well with them but they now need me to submit a tax transcript for further verification. the tax transcript they now requested was submitted to truist enterprise fraud management on XX/XX/24 which further verifies the source and reason for the check. its been over a month and a half i have called truist enterprise fraud management a total of 16 times including todays calls spending a total time of almost 7hours speaking with representatives.. i have requested to speak with the agent personally handling my case several times, all attempts have been denied. I have also requested to speak with supervisors and done multiple escalations with the request to allow me to transfer/withdrawal my funds or close my account and mail me a check. I have done everything truist has asked of me and submitted all documentation that truist has requested and still all attempts to come to resolution directly with truist have failed. they are still refusing to release my money and let me terminate my banking relationship with them. Please assist me in getting truist to allow me to transfer my funds out of their bank or close my account and mail me a check.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Experian Information Solutions Inc. (MI)

I was scammed. I sent money via XXXX to purchase furniture. The furniture was never received. The person took the money and blocked me. I really would like to get my money back. It has been over a month at this point and Experian XXXX XXXX has not been of any assistance. I am greatly disappointed in the service I have been receiving. Please review.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (NC)

THE RECEIVABILE management services llc, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). THE RECEIVABILE management services llc obtained, possess, and used my Personally-identifiable financial information without my consent or legal authority. They are attempting to collect a debt that is not mine. This account is furnished on multiple of my credit reports as a negative item and it has affected me as such.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX XXXX XXXX XXXX a U.S. National of the united states of America XXXX XXXX XXXX XXXX XXXX. My name is trademarked and copyrighted, a UCC Financing Statement has been filed with the state of Florida. My status has been put on the record that I am not a U.S. citizen and have never consent to anyone using my information. I AM NOT A TAXPAYER. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent, and the ALL CAPTIAL LETTER NAME/ LEGAL FICTION is not I, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX in all capitol letters is a corporation, that I have solitidied and belongs to me. I am not liable for this debt.
Consumer complaint received 2024-01-04
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. (FL)

I have inquires on my credit record that was not done by me these are the company 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

It is important to note, my loan officer company is   XXXX   XXXX   XXXX     XXXX   is a different firm managing my loan payments.
I have received in mid  XX/XX/XXXX  attached statement "   XXXX   '' from loan officer su.
In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is  XXXX .
In addition, in that statement, you can see actual payment on  XXXX  as accounted for and it clearly stated that i overpayed the year of  XX/XX/XXXX and it included a check of  XXXX  $ made to me to pay for the surplus i paid.
I was preparing to make my   XXXX   payment as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until  XXXX  letter attached which was received in  XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to  XXXX  late  XXXX  to pay for   XXXX   and realized the issue and paid for both   XXXX   and  XXXX .
that day spent hours on  XXXX  interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX
Consumer complaint received 2017-07-18
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. (MD)

I have requested proof of validation on several occasions from the collections company  XXXX  (   XXXX   XXXX   XXXX   ) and also from Equifax and   XXXX   once in  XXXX ,  XXXX ,  XXXX  and  XXXX  of 2017. I asked for the original alleged contract with my true signature and that of a qualified employee with the alleged original creditor. After requesting this information several times they failed to provide me with the proof I am allowed to have by the guidelines. Since they failed to send me the requested proof, I wanted this account to be closed and removed from my credit reports on Equifax and  XXXX . Equifax and   XXXX    have not complied with the law and accurately verified my information as well. I have disputed with   XXXX   credit bureaus three separate times and they have yet to send me any proof of the investigation with this company as well.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE AMEX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS AMERICAN EXPRESS, WAS OPENED FRAUDULENT
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase entered into a consumer agreement with me and did not inform me of my right to rescind, or my right to opt out and did in fact reported to a third party non affiliate. Their terms and condition say they do not provide my information to third party non-affiliates. they violated their own terms and condition when they shared my information with the credit reporting agencies ( XXXX, XXXX, XXXX  ). Additionally, they provided no opt out notice as per 12 CFR 332.9. This action violates : The Privacy Act of 1974 16 CFR 313 and all applicable subsections 15 USC 6802 15 USC 6803 15 USC 6804 15 USC 6805 16 CFR 433 Violations occurred in the year XXXX for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX Violations occurred in the year XXXX  for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX