davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections XXXX d, XXXX f g of FCRA/FDCPA. Remove from my credit report. You violated XXXX of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated XXXX of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of XXXX ; You violated XXXX ( XXXX ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated XXXX ( XXXX ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated XXXX ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated XXXX of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.
Consumer complaint received 2024-05-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (DC)

I am complaining because Southwest Credit XXXX  Systems put a derogatory mark on my credit report for a debt that is not mine. 

Southwest Credit XXXX Systems has been harassing me for months if not years by calling me all hours of the day and night. In the beginning I answered these calls, and they were very rude and unhelpful. When I asked them to provide information regarding my alleged debt, they disconnected the call. This happened several times. I thought this was spam until they put a derogatory mark on my credit report.

My best recollection is that the alleged debt is for a XXXX bill in the amount of approximately {$100.00}. This debt is not mine. It should have been charged to the building ( XXXX XXXX XXXX ) because it covered a time period after I had terminated my lease and moved out. I distinctly remember informing either XXXX or Southwest Credit XXXX Systems that the debt was the building 's, not mine. I believe Southwest Credit XXXX Systems has a legal obligation to validate a dispute, and I never received any evidence of any efforts by anybody to validate that the debt is actually mine.

I have never had a derogatory mark on my credit report before. My credit score has dropped by XXXX points. I am a lawyer filling out an application for admission to the state bar of another jurisdiction and now I have to report a financial delinquency that never should have been attributed to me. Please help.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a secured credit card with capital one. I paid a {$300.00} security deposit and have a {$300.00} credit limit. My last 2 payments have posted and cleared my bank and capital one but they put a 26 day hold on my payments for absolutely no reason. No one can tell me why. I've never had a payment returned or declined. I pay my card off every time I use it. I have talked to at least 6 people at capital one and none of them can give me a legitimate explanation. I'm ready to just close this card and move on. It's absolutely ridiculous that I can't use my own money.
Consumer complaint received 2024-05-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (IL)

As of Saturday XX/XX/XXXX, I received an alert from XXXX regarding a collections agency under the name AmSher XXXX XXXX for a collections account of {$5000.00}. This was reportedly from the original creditor XXXX XXXX XXXX, of which I've never had business with. Apparently this account was opened by Amsher on XX/XX/XXXX, I have never had any formal written notice, email, or communication regarding this. All I saw was the original fraud email sent by XXXX. I disputed this claim yesterday, however the results were verified somehow. Again, I've never had an account with XXXX XXXX XXXX or XXXX, so I have no clue how they even got my information.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

I am filing this complaint regarding my {$3000.00} XXXX XXXX  credit card with chase. The issues Im having is that chase is in direct violation of their fiduciary obligations. Per the securities exchange act of 1934 and per the indentured agreement that chase has signed. Section 5.01a clearly states that chase has an obligation to discharge all notes. Chase is in direct violate because the debt has not been discharged on my end and they are still charging me even though the debt has been discharged. 
Section 3.07 clearly states that interest payable on any registered note will be paid to the person whose name that note. I have not received principal or interest payments from chase in fact I have been paying them even though I am the beneficiary and the debt has been discharged This indentured agreement also states how chase has been transferring temporary restricted notes on a secondary market which is illegal. It is chase fiduciary obligation to with hold this indentured agreement. Below I have attached proof
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Once again Experian does not offer the capability of getting rid of wrong personal info. Error message comes up. They have screwed up my stellar credit rating royally. I can not get a positive answer for any credit card I never lived at an address listed. I have been divorced without the acknowledgment of this organization. How is this agency able to wield such authority without being overseen regularly. 
Just disgraceful.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MA)

In XXXX I was sent a postal letter from Verizon/Synchrony regarding a 'Pre-Approved " credit card which would enable me to get a lower bill from Verizon. 

When I logged into the Verizon site there was a banner stating I was pre-approved for the card. I applied thru the Verizon site using the banner. 

I was denied. The reason was vague. I contacted both Verizon and Synchrony. No more explanation for the denial was given. but I was told to immediately reapply despite the rejection notice telling me not to reapply within 30 days. 

The reapply was denied. 

Verizon/Synchrony 's bait and switch offering a 'Pre-Approved " card to lower my Verizon bill is fraud, The lack of complete explanation of why someone with over XXXX on their XXXX score would be denied is very strange. The lie about reapplying is also fraud. 

These actions by Verizon/Synchrony is unfair and deceptive.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I believe that Capital 1 is being deceptive in its credit limit calculations. Yesterday XX/XX/2024 I had two pending charges one from XXXX for XXXX from a rental car and {$250.00} from XXXX where there was {$200.00} deposit. My available balance was {$250.00} but the {$200.00} that did not get posted was not updated properly or reflective in my available balance.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I closed both of my Bank Of America account on XX/XX/2014 On my XXXX XXXX report bank reports " Consumer Removal Date XX/XX/2014 The phone number on the bank reports doesn't belong to me
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (ME)

Here 's a description of what happened, without including personal information : In XXXX, I went through a divorce from my ex-wife. Since XXXX  I have been living and working full-time in the XXXX XXXX , including XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) . 
Recently, I discovered that this credit account was opened without my knowledge or consent. I believe that my XXXX, her friends, boyfriends, or family members may have opened this account, along with several other credit accounts, using my personal information after our divorce. My XXXX knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. 
I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since XXXX making it impossible for me to have opened or used this account. I am currently undergoing a background check for a security clearance renewal, and this account has reappeared on my credit report last month. 
I am requesting that this account be removed from my credit report, as it is not my account and was opened fraudulently without my consent. I am willing to provide additional identification documents, such as my driver 's licenses from XXXX and XXXX, to prove that I have been residing in the XXXX XXXX during the time this account was opened and used.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

The Family Educational Rights and Privacy Act ( FERPA is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary secondary or post-secondary school.

20 USC 1232g ( b )
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (GA)

My debt has been discharged, yet two Chase credit cards still remain active on my credit report. I want them removed off of my credit report immediately. This is inaccurate reporting, and inaccurate reporting goes against 15 U.S.Code 1681. A charge off is considered a certificate of indebtedness, which means it is income and MUST be removed off of my credit report. JPMCB CARD- Account # XXXX JPMCB CARD-Account # XXXX These two accounts have been labeled as charge off 's on my credit report and MUST be removed immediately. I recently came across information related to charged- off amounts and their implications under the Internal Revenue Service XXXX IRS XXXX regulations. According to the IRS Article, a charge-off is considered a CERTIFICATE of indebtedness, which means it is treated as income, and, therefore, eligible for removal from the records, and my credit report. In light of this information, I REQUEST ALL CREDIT AGENCIES assistance and removal of the two charged-off JPMCB accounts associated with my accounts.
Consumer complaint received 2021-09-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

I woke up and saw that my cashapp card was used for 3 transactions while i was asleep. I immediately emailed cashapp support and attempted to file a dispute. 

I was given the run around as the screenshoots and emails i printed and attached show. 

XXXX claimed in a email that my account was going to be credited provisionally for the transactions. However the credit was never applied. 

I asked about the credit to which i was tpld to wait 1-3 days. i asked again and was told that the credits are on my account but are not displayed and i will not have access to the money until the dispute is complete in 45 days. I was also told to not inquire about the disputes again. 

This is not the first time cashapp has mishandled disputed transactions.
Consumer complaint received 2024-05-12
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 (IN)

Hello! I received 2 American Express gift cards, one through my employer, XXXX and the other through a coworker as a gift. One is a physical card, worth {$1000.00} and was received in the mail between XX/XX/XXXX & XX/XX/XXXX. The other, worth {$750.00}, was received digitally on XX/XX/XXXX at XXXX XXXX. 

I attempted to use these for discreet purchases on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and more, both online and in-store. I attempted to add the cards to my XXXX account and XXXX XXXX. I attempted to make purchases through XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX a subsidiary of XXXX ). Purchases ranged from {$75.00} to {$750.00}. Each of these transactions was declined. 

Upon doing further research in online message boards ( https : XXXX ) and other online platforms, I learned that other consumers were affected by the same challenge. I contacted American Express XXXX XXXX at XXXX on XX/XX/XXXX at XXXX XXXX. I requested a declined transaction history and other details, which the support rep was unable to provide digitally, but did provide verbally. The support rep informed me my issue had been entering the card number incorrectly. This is not the case, as it was declined both in-store and online. Following this unsatisfactory support experience and learning more about the experiences of others, I decided to file with the CFPB.
Consumer complaint received 2021-08-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

I purchased XXXX through my CashApp account and mistakenly transferred it to their account directly ( $ cashapp ). I've been trying to get support to help me retrieve the funds, but have been going in circles with phone, app and email support. Surely there's something they can do since it was sent to them. If I had mistakenly sent it to a random I would understand they can't help, but this money went to them directly..
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have a store Kohls card opened in late 2023. I paid all of my payments on time and even made double payments at time. It is still open with a XXXX balance however they are reporting it late in XXXX to one credit reporting place and then late in XXXX to another. 

It was never late. I would like the 30 day late notice removed from my credit reports. I reached out to the company and they are never helpful and very rude to me.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I am writing to update/correct my personal information on file with your company. 

Please update my address ( XXXX XXXX XXXX, XXXX TN XXXX ) Please update my name ( XXXX XXXX ) My only social security number is ( XXXX ) My only correct date of birth is ( XXXX ) My only employer is ( XXXX XXXX XXXX XXXX My only salary amount is ( {$65000.00} annually ) I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the US post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2024-05-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (LA)

The Hub at XXXX XXXX XXXX XXXX is claiming I owe over {$4000.00} in delinquent rents and fees for an XXXX I never lived in or signed for.. Information has been reported to XXXX and the other credit reporting companies since XX/XX/2019 claiming in error that I owe money. I never signed a lease, co-signed a lease or lived at the XXXX XXXX  XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, after filing adisputes with XXXX, it was claimed verified that the fraudulent reporting is accurrate, even after the XXXX complex was unable to provide a copy of a lease that I signed nor any proof that I lived in the XXXX XXXX. I submitt that computer IP addresses of transactions made by the subject business regarding the rental of the XXXX is not proof of my occupancy. Without showing a copy of the XXXX  they claimed I signed, the information reported on my credit report should have been removed on my numerous request
Consumer complaint received 2024-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have returned all my items I have bought from XXXX. The tracking number showed delivered for all the returns and are right here : XXXX XXXX XXXX XXXX XXXX It took XXXX forever to process the returns so I sent them an email on XX/XX/24. They replied back on XX/XX/24 that they will process the refund. Only a partial refund was given. I sent another follow up email on XX/XX/24. They replied back on XX/XX/24 saying that will will process the remainder. Then the ticket never got responded after they said they would. In the end I paid for products that is now returned back to the vendor. This is consumer theft.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Hi, i've been victim of theft identity. people applied for a loan in my name from these XXXX companies below XXXX XXXX XXXXXXXX XXXX A- i had loan amount is ( XXXX $ ) on XXXX B- i had loan amount is ( XXXX $ ) on XXXX C- i had loan amount is ( XXXX $ ) on XXXX XXXX XXXX XXXX XXXX ; i XXXX XXXX XXXX ( XXXX $ ) on XX/XX/2023 2023
Consumer complaint received 2023-07-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (VA)

On XX/XX/2023 I purchased a Mazda XXXX from the local dealer. I chose a 3 year financing plan. On XX/XX/XXXX I received the one and only communication from Mazda Financial Services, a letter sent by USPS mail giving me information about how to set up an online account etc. I set up my account on www.mazdafinancialservices.com the same day and I set up all my bank account details. I set up a recurring plan with first payment to be processed on XX/XX/XXXX and then on the XXXX of each month thereafter ( eight days before due date, to allow for ample time to be processed by my financial institution ). Although I did not opt for paperless statements, I have not received any bill, invoice or notification from Mazda  ever since. I have not received any email with information about bills or outstanding balance either. The only thing I received was an email two days before the bank transferred was due to inform me that an electronic payment will be processed on the certain date. The payments have been processed regularly at the specified date. An example of such email is detailed below : Thank you for our payment. Your recurring payment of {$880.00}, on XX/XX/2023, XXXX, is being processed. 
That was all. 
Yesterday, I logged in for the first time since XXXX on the Mazda website, to increase my monthly payment, so that I can pay the loan faster. Then I realized that I had been charged late payments since XXXX. Apparently, my first payment was due XX/XX/XXXX ( that is six days after the first communication from Mazda was received ; mind you that letter on the XXXX was not a bill, but rather information on how to set up an online account ). The payment that was due on XX/XX/XXXX never showed up on the online account at the time I created it on XX/XX/XXXX. At that time my account showed that no payment was due until XX/XX/XXXX. 
Mazda has been charging me {$88.00} in late fees since XXXX, but never once have they sent me an email notification or a letter informing me that there is unpaid balance or that my account is late. And why would they? It was good business to keep charging me an extra {$88.00} dollars every month. 
This is fraud! I was never sent a single bill by this company! Ever! I was never informed by email or mail that a payment was past due date. They just kept charging me late fees, hoping that I will not notice. This has to be illegal. Again, I have never opted out of paper statements and despite this I have never received any sort of statement, bill or notification.

Please change the laws to punish this kind of abuse. Companies need to send notifications of past due payments by mail ( there was no email either ). The consumers need to be somehow notified that their account is past due and that they are being charged very high late fees. 
Thank you!
Consumer complaint received 2023-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CT)

Have you spoken to the manager and he agreed after me providing police report and other supporting documents that this account does not belong to me and Ive never signed it wet signature for this account. Im a victim of identity theft and they agreed to remove this from your credit report and collection agencies.