davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Free Spirit World Elite Mastercard managed by Bank of America I signed up for this card over a year ago after the promotions offered on the flight included a companion voucher for {$100.00} and a certain number of points to be issued upon approval. Well, it's been over a year and all I have gotten is continued run around to speak to BOA and then being told by BOA to call Spirit. Over a year and the only thing I have gotten is charged the annual rate for the card. I have been told that I needed to spend {$200.00} more to get the voucher. Spent that - nothing. Called back and told I needed to spend a few hundred more. No problem, winter travel was expensive, so that was met. Still nothing. I have spent the amounts suggested in the time frames suggested and have gotten not a single thing. I want to cancel this card, but I do not want the points deducted from my credit score. My score is over XXXX and I do not want some poor excuse of a company such as Spirit being the reason why my score is lowered. Spirit doesn't honor anything they offer. I have even gotten travel vouchers for delays twice and could not book at all. When I called I was told that the tickets had to be over a certain amount and between certain dates- they were and still nothing. The agent I finally got on the phone mentioned that he could book the flight to use the voucher, but would have to charge {$25.00} or more. Makes no sense. Rewards on cards, companion vouchers, or reward vouchers are all fake with Spirit. I have called several times wasting countless hours only to be told by each company to call the other company. It's horrible as if the left hand literally doesn't know what the right hand is doing. Spirit has not honored any of their promotions and I am over frustrated. I am angry! Thankfully I saw the piece about credit card rewards on XXXX XXXX XXXX. Please help me get my rewards and close this account without consequences.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX charged off my account in XXXX of XXXX and sent it to a collection agency in XXXX after charging off the account to collect which is not a legal practice. This is in violation of the fair credit act. XXXX XXXX is still reporting on my credit but asking me to call a 3rd party collection agency to discuss. XXXX XXXX will not allow me to pay or settle but still reporting it. Please remove this from my file immediately.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  Acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I have a small business. I have a Chase business account and with them I could collect payments with credit cards processing service through WEPAY. Since I opened this account I have use it only once to received a payment and had no problems.On XX/XX/XXXX  I received a payment of {$2700.00} with a client 's credit card and I processed the payment on my phone with the Chase app and the payment went through.An hour later I received an email from XXXX with this response : " Your payout has failed We've canceled your XX/XX/XXXX  withdrawal of USD {$2600.00} '' with no further explanation. On XX/XX/XXXX  I called Chase Support they said they do not have any information on why my funds where being held and also they told me I could appeal the decision with Wepay through email. I sent the appeal email to Wepay with a copy of the contract that my client signed and all her information and the receipt for the {$2700.00}. I also ask them to contact my client to corroborate the transaction.Shortly after I received an email stating that funds still were going to be held for 120 days and can not give and explanation the answer was " All information regarding our review process is proprietary, so no additional information is available in these instances. '' they did not investigate at all. My business is small and depends on this payments. Holding my funds for 4 months will hurt my finances. I hope you help me to resolve this.
Consumer complaint received 2024-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (MI)

I noticed my information was compromised including my ID, social security card info and my credit in XXXX of 2023. I ordered my credit report and noticed two XXXX XXXX accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to XXXX XXXX and they are refusing to remove the fraudulent accounts. 

XXXX XXXX : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} XXXX XXXX : Account number : XXXX Dare fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$1200.00}
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I pulled a copy of my credit report and noticed XXXX transactions that were not originated by me, XXXX XXXX. 
Pusuant to multiple laws within USC 1681,6802 and USC 1681c-2. 
The following accounts need to be immediately deleted. 
These entrants constitute identity theft and need to removed from XXXX and Equifax. 

XXXX XXXX XXXX- XXXX This company went bankrupt, and I am unable to contact them. Please notify the credit bureaus that these are identity theft and need to be immediately removed. Thank you.
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Dovenmuehle Mortgage, Inc. (TX)

I have renters in my home who thought they would need some extra time to pay the lease due to Covid ; this was in XXXX, 2020. I called the mortgage company to ask about the terms of deferment. I asked them to send me the paperwork so I could look it over. At no time did I agree to go into deferment or ask to be put into deferment. I simply asked for information. 

I received the papers which stated I was to sign and return ; I did not submit any documents to go into deferment. My tenants continued to pay on time, so there was no need to go any further. 

In XXXX, 2020 I had to purchase a car, and learned that Dovenmuehle Mortgage, Inc. had put me in deferment without my consent. 

I had not missed any payments, nor been late - ever. 

I called them and they said that it was not on my credit report, but I have the paper work obtained from my loan broker. In addition, creditors did not want to extend credit to anyone who is in deferment so it was extremely difficult to find a creditor. As a result, my interest rate on my car is extremely high. 

The damage is done, at this point and there seems nothing I can do to reverse what it's done to my credit rating.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (CT)

Company called MCCarthy Burgess - Wolff contacted me about debt with XXXX XXXX on XX/XX/XXXX. I sent email on XX/XX/XXXX asking for validation of the Debt instead of mailing this to me they reported it to the credit bureaus. Please help with this matter
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MD)

I applied for a person loan with One Main Financial in XXXX of XXXX in the amount of {$10000.00}. I've paid so far approximately {$9200.00} since XXXX and my current balance is {$10000.00} as of XX/XX/XXXX. During the term of the loan, I've applied for two hardships in XXXX and XXXX, which at the time I was to pay only the interest of {$160.00} for three months on both occasions. ( {$1900.00} ). I have requested a copy of my terms and agreement and payment transactions. The interest on this loan is 24 % and so far, I have paid more than 100 % of the original loan amount. A loan for {$10000.00} with a 24 % interest should be calculated at approximately {$2400.00} in interest fees. In addition, One Main Financial also advised me that I needed to add a title loan to secure the personal loan, which my car title is temporarily owned by this company until I pay them another {$10000.00}. I am extremely concerned about this personal loan and at this present time, I should only owe approximately the interest fees since I've paid out {$9200.00}. I spoke with XXXX at One Main Financial, and she stated the loan will continue to accrue a daily interest amount of {$6.00} and the loan is scheduled to end XX/XX/XXXX. In addition to the 24 % interest fee, I will have to pay {$4800.00} in daily interest fees.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2023-02-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC. (GA)

had a no penalty cd which we closed and opened a new no penalty cd. They had a update in there software which caused a glitch and showed i opened new cd but still and placed the balance in the new cd but it also showed the closed cd with the same balance leading to a debit of XXXX. which was completly on there side since i verified the cd was closed and new one was open. they put a hold on my account. which was due to there glitch from Ally bank the exact same thing happend to my wifes accounts and they also placed a hold on her accound when there is there mistake
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

I have emailed, called and text messaged Prestige to obtain information on how to voluntarily surrender the vehicle or remove the co-signer from the loan or refinance the loan. I am the primary lendee on the loan. The lack of response from the lender is going to negatively impact my credit more than if they were to respond.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

In XX/XX/XXXX, I opened an individual credit card account with American Express. Initially, things seemed manageable, but circumstances took a downturn after losing a child. 

XX/XX/XXXX : The account balance was {$6900.00}, with a past due amount of {$1700.00}. It was marked as " CBG/> '' and rated as " COL, '' indicating that it was transferred to collection. 

XX/XX/XXXX : The balance decreased to {$4800.00}, with no past due amount. However, the exact remarks are unavailable, but it was still rated as " COL, '' indicating it remained in collection status. 

XX/XX/XXXX : The balance increased to {$5000.00}, with no past due amount. The remarks were " CLA<, '' and it was rated as " COL, '' indicating it was still in collection status. 

XX/XX/XXXX : The balance further increased to {$5200.00}, with a past due amount of {$170.00}. The remarks were " CBG/>, '' and it was rated as " COL, '' indicating continued collection status. 

XX/XX/XXXX : The balance grew to {$5300.00}, with a past due amount of {$380.00}. Unfortunately, specific remarks are unavailable, but it was rated as " COL, '' indicating continued collection status. 

XX/XX/XXXX : The balance reached {$5500.00}, with a past due amount of {$600.00}. The remarks were " PRL<, '' and it was rated as " COL, '' indicating ongoing collection efforts. 

XX/XX/XXXX : The balance escalated to {$5700.00}, with a past due amount of {$820.00}. The remarks were " CBG/>, '' and it was rated as " COL, '' indicating persistent collection actions. 

XX/XX/XXXX : The balance was {$5800.00}, with a past due amount of {$1000.00}. Unfortunately, specific remarks are unavailable, but it was rated as " COL, '' indicating ongoing collection efforts. 

XX/XX/XXXX : The balance remained at {$5900.00}, with a past due amount of {$1200.00}. The remarks were " PRL<, '' and it was rated as " C/O, '' signifying that it was charged off by the account provider. 

XX/XX/XXXX : The balance remained at {$5900.00}, with a past due amount of {$1500.00}. The remarks were " CBG/>, '' and it was rated as " C/O, '' indicating that it was charged off by the account provider. 

Amidst these challenging account events, XXXX assumed responsibility for managing and resolving the debt. They stepped in as a debt management agency, actively communicating with both me and American Express. Their involvement played a crucial role in facilitating discussions, negotiations, and establishing a clear path towards resolving the outstanding debt, despite the ongoing calls from American Express.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

This debt collector ( LVNV FUNDING LLC ) has 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 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and clearly they violated my rights. 
Collection Acct : LVNV FUNDING LLC OPEN BALANCE : {$1000.00} ACCOUNT OPENED : XX/XX/ XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DIGITAL FEDERAL CREDIT UNION (NC)

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 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 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 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 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 I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.
Consumer complaint received 2023-11-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Premier Recovery Services, LLC (TX)

Earlier this year, I received medication management services during a time of crisis. I reached out to XXXX XXXX XXXX XXXX, as my provider was unavailable, and was informed that someone else would be in contact with me. However, there were delays, and I ended up in a crisis situation which required immediate attention. Consequently, I contacted the company to cancel my appointment due to my inability to function and take care of myself physically and mentally. Friends had to come and assist me, taking me out of state, and I ultimately ended up back in the hospital. It's important to note that my mental state during this period was compromised. 

Despite not authorizing any further appointments, I discovered that the company went ahead and scheduled one for me. To my surprise, I received a charge for this unauthorized appointment that I did not book in the first place. I strongly believe that I am being wrongfully charged in this situation. 

Meanwhile, I am currently receiving treatment and struggling to function properly. Unfortunately, the company decided to involve a debt collector, and they have been contacting me and even reaching out to family members who have no involvement in this matter. They have been asking personal questions, which I find inappropriate and intrusive. 

I have already sent a letter in the mail requesting information about their authority in my state, a detailed debt statement, and an explanation as to why they believe I owe this debt. I explicitly stated that they should cease all communication with me at the provided address if they can not provide this information. Despite this, they chose to disregard my request and emailed me instead. I feel extremely harassed after clearly expressing my desire for them to stop contacting me unless they provide the requested information. 

I want to emphasize that this charge is fraudulent in the first place, and the actions taken by the debt collector are highly concerning. I kindly request that you address this matter promptly and provide a fair and just resolution. Thank you for your attention to this urgent matter.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 2023-08-30
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MO)

On XX/XX/10 a deposit was attempted into one of our checking accounts in the amount of {$4900.00}. The atm machine errored and told us to contact our financial institution. We did that and also contacted the bank where the atm is, files the required complaints and neither financial institution will give us our money.
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (MO)

Experian is now fabricating complaints saying I submitted 2 complaints on XX/XX/2023 and states it about to things I closed a year ago b paying off debt, FRAUD FRAUD FRAUD, This company has no idea what is going on with my account for almost 20 months, THEY ARE DAMAGING MY CREDIT