davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PROSPERITY BANCSHARES, INC. (TX)

I applied for a credit card at my bank Prosperity and was denied within 48 hours. They simply said it was because of immigration status in the country. I provided them with a Tax ID and have a checking and savings account with them for the last 2 years. I asked them to provide me a documented reason why and they said it would be emailed to me but never received it. After calling again they said I could not get a credit card ever until my status changes. Without having any control over my immigration status I feel like I was treated unfairly. I know I may not be a citizen but I know I have rights and Im in hopes of someone helping me with this issue
Consumer complaint received 2023-11-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I am writing to seek your urgent assistance in resolving a concerning issue I have encountered with Capital One Bank. 
As per my last statement dated XXXX, my account was shown to have a XXXX balance of XXXX XXXX However, despite the closure of the account, I have not received any form of payment or notification regarding the remaining funds. 

Despite numerous attempts to resolve this matter directly with Capital One Bank 's customer service representatives, I have encountered significant challenges. Each time I have contacted them, I have received contradictory statements regarding the status of my funds, but regrettably, no action has been taken to release the funds. 

To provide clarity, I did not receive any form of payment or notification regarding the remaining funds in my closed account. The lack of transparency and failure to release my funds has caused considerable financial distress and uncertainty. 
I kindly request your immediate intervention to investigate this matter and ensure that Capital One Bank releases the funds owed to me promptly. Your assistance in resolving this issue would be greatly appreciated. 
Thank you for your attention to this urgent matter, and I eagerly await your prompt response and assistance in resolving this issue. 
Sincerely, XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

MOHELA reported fraudulent personal debt amounts to all XXXX credit bureaus. 

On XX/XX/XXXX MOHELA reported my personal debt amount as {$24000.00}. As of XX/XX/XXXX my student loan amount was actually {$17000.00}. Moreover, as of XX/XX/XXXX my student loan amount is actually {$10000.00}. 

This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601.

MOHELA is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month. 

This is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ). 

Moreover, while attempting to correct this fraudulent information with MOHELA, their representative ( Employee ID # XXXX ) verbally stated they could not assist with this process. The representative stated that an external department would have to address the matter. Allegedly, an expedited email ( # XXXX ) was issued. This is the same lie that was verbally stated to my person in XX/XX/XXXX. 

Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by MOHELA. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department. 
Finally, I was informed that MOHELA is unable to provide an accommodation in compliance with the ADA ( XXXX ). I was informed that MOHELA is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (CA)

I got a credit alert and upon checking my reports I saw an account that I do not owe and have no knowledge. The amount is {$89.00} on XX/XX/2024 form XXXX XXXX for XXXX. I am in XXXX.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/year>, my XXXX paid a friend {$230.00} via XXXX, and directed XXXX to charge our Chase credit card ending in XXXX. 

On XX/XX/year>, I was inspecting the XX/XX/XXXX statement for the Chase credit card ending in XXXX, and noticed interest charges, which was a suprise because we always pay the full balance on the card before the payment due date. I examined both the XX/XX/XXXX and XX/XX/XXXX statements and learned that the XXXX transaction was categorized as a " Cash Advance '', and noticed interest charges on both statements for this cash advance, but I could not understand how interest was being calculated. In the XX/XX/XXXX statement, on the last page, the " Cash Advance Balance Subject to Interest Rate '' is listed as {$54.00}, and in the XX/XX/XXXX statement, the " Cash Advance Balance Subject to Interest Rate '' is listed as {$170.00}. 

On XX/XX/year>, I called Chase card services to inquire about the cash advance and subsequent fee and interest charges. The customer service representative explained that XXXX transactions are " Cash Advances '' and subject to the cardholder agreement for cash advances, which includes a transaction fee and immediately accruing interest. I asked the representative to explain how the two ammounts of {$54.00} and {$170.00} mentioned above were related to the XXXX transaction, and if she could explain how the interest calculations were performed. The representative asked me to hold while she conferred with her colleagues. After about an hour on hold, I explained that I had to leave the call, and requested a written explanation of interest charges to be sent to me. The customer service representative said that a written explanation of interest charges was not possible, and I would have to stay on the phone to receive a verbal description of interest charges when the calculation was complete. As I had other business to conduct, I ended the phone call without waiting for the completion of the calculation. 

Later that day, I requested a copy of the current cardholder agreement on the Chase website, and the website said that a copy of the cardholder agreement would be physically mailed to me in 7-10 business days.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX reported fraudulent personal debt amounts to all XXXX credit bureaus. 

On XX/XX/XXXX XXXX reported my personal debt amount as {$24000.00}. As of XX/XX/XXXX my student loan amount was actually {$17000.00}. Moreover, as of XX/XX/XXXX my student loan amount is actually {$10000.00}. 

This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601. 

XXXX is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month. 

This is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ).

Moreover, while attempting to correct this fraudulent information with XXXX, their representative ( Employee ID XXXX XXXX ) verbally stated they could not assist with this process. The representative stated that an external department would have to address the matter. Allegedly, an expedited email ( XXXX XXXX  ) was issued. This is the same lie that was verbally stated to my person in XX/XX/XXXX. 

Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by XXXX. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department. 
Finally, I was informed that XXXX is unable to provide an accommodation in compliance with the XXXX ( XXXX ). I was informed that XXXX is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Consumer complaint received 2024-01-08
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX and TransUnion credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX BXXXX 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
Consumer complaint received 2024-03-19
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 (WA)

I hold an American Express Corporate card, which advertises a benefit of a {$100.00} credit on an American Express Gold card. According to the terms stated on the application link, this credit should be received upon opening the account and annually upon renewal while maintaining the same Corporate Card account. 
However, when I contacted customer service to claim this credit, I was informed that it would only be applied after the first year. This directly contradicts the information provided on the application link, which clearly states the credit should be received immediately upon opening the account and annually thereafter. 
Despite requesting clarification and policy documentation, the representative provided a link that reiterated the same message, reinforcing my initial understanding of the benefit structure. The links says " Receive a {$100.00} Personal Card Annual Credit on your Gold Card account, upon opening an account, and every year after renewal when you maintain the same Corporate Card account. '' This discrepancy has led to frustration and a feeling of being misled. I expect financial institutions to honor the terms and benefits they advertise to their customers accurately.
Consumer complaint received 2022-09-29
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (OK)

This company MRSBPO never contacted me about a debt from XXXX XXXX XXXX XXXX account XXXX for the amount of {$330.00}. 

As of XX/XX/XXXX, I am officially disputing all of this debt. I am filing this complaint to dispute the debt that you are attempting to collect on behalf of XXXX XXXX. 

I have never signed an agreement for my information to be shared or sold to MRSBPO, nor do I have a contract nor have I ever signed a contract with XXXX  or MRSBPO. This is a direct violation of my consumer rights cited by the FDCPA. I am requesting that you verify this debt. Please provide me with copies of all original written documentation that you have that supports this debt, including the original bill, any payment records, and any correspondence that you have had with me regarding this debt. Please be advise these documents must have my consent stating I owe this debt to XXXX XXXX and MRSBPO. This must be written, original documentation, not electronic forms or scans. Again note that this account with XXXX XXXX has already been disputed on several occasions in regards to it being a result of identity theft. My information was leaked as part of the XXXX XXXX in XXXX. ( see attached documents ) In XXXX of XXXX my information was found to have been leaked online, which would be a result of the breach with XXXX. ( see attached documents ) This leak included and not limited to my name, address, email, phone number, ssn, dob. 

I have filed multiple disputes and complaints to CFPB, XXXX, FTC and Attorney General XXXX. 

Because of the constant lack of care and responsibility on all parties, I am requesting XXXX cease and desist all communication with me regarding the debt. If you are unable to verify this debt, I request XXXX XXXX and XXXX cease and desist all attempts to collect this debt further. Please advise XXXX XXXX to cease and desist reporting this charge off to the credit reporting agency XXXX. 

Thank you for your time and attention to this matter.
Consumer complaint received 2023-11-25
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (VA)

I have requested information on the debt from this company from XXXX XXXX, 2023- XXXX XXXX, 2023. They have not sent me any information regarding the debt. I have sent them letters and letters to the credit bureaus requesting information. They sent whatever they sent to the XXXX and have not received XXXX document from them. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service because of this, I have faced financial hardship and its been hard for me to purchase a home with this unverified debt on my report. This agency has also not made an update from XX/XX/2023 and can not verify the debt.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Triton Recovery Group (CT)

I have previously filed a complaint with this same company, Triton Recovery, back on XX/XX/XXXX. This new complaint is for the same reason. I have a family member who owes a debt and is working to repay it. They fell behind and missed a payment and Triton is now texting me again. I called Triton today on XX/XX/XXXX and spoke with XXXX XXXX phone number XXXX XXXX, email XXXX. I advised her this had happened before and I needed my phone number removed from their collections information for my family member. I was informed that they could not do that. It was on me to be a " good brother '' and make sure my relative calls Triton to stop them from contacting me. This sounds illegal. I do not nor have ever owed a debt to Triton. They need to stop contacting me instead of putting pressure on me to have my relative call. This has happened twice now.
Consumer complaint received 2024-04-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Hogan Capital II, LLC (NY)

I have finished my lease term and am looking to purchase the vehicle. Due to the nature of this account, my account is being handled by the " post-bankruptcy '' department. I have spoken to post-bankruptcy department almost 12 times. I have been provided 3 different amounts as the amount I need to pay and no paperwork to confirm the amount. XXXX in post-bankruptcy told me the amount I owe is {$15000.00}, then he said {$16000.00} and then it changed to {$18000.00}. When I asked him why the difference, he was unable to answer. I asked for the paperwork to be mailed or emailed to me so I can review it and he said that is against the policy. He would only fax. I provided a fax number and was told I would receive the information in 24 hours. This was on XX/XX/24. I have not received a fax as of XXXXXXXX XXXX XX/XX/24. I attempted to call yesterday and explain the situation. I asked for a supervisor and was refused. I was placed on hold until ultimately I was hung up on. I called again XX/XX/24 and attempted to have the paperwork faxed. The representative said 24 hours. I have not received any paperwork to buy the lease and can not get through to a supervisor or another department to assist. Today, XX/XX/24, I spoke with XXXX who said he will request another fax, but he refused to provide a buyout amount, stating it will be on the fax. Im not even sure where or how to send my payment. It is starting to feel as though this department is trying to scam money out of me. I do not even feel confident my money will go to the correct place if I send them my money. I am requesting a phone call from supervision so I can have this issue rectified and receive my paperwork.
Consumer complaint received 2024-03-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc (TN)

In response to the CFPB complaint against AFFIRM, I want to bring to the attention of the CFPB that AFFIRM has mentioned extra details that had nothing to do with the point of the initial complaint. The complaint I filed was regarding inaccurate account information that I am SEEING on my credit report. It is being disclosed to me inaccurately. This is misleading to new creditors who inquire on my consumer report. This in turn damages my financial reputation. My complaint is addressing the significant fact that AFFIRM was mailed a notice of dispute on XX/XX/2024, the letter was delivered on XX/XX/2024, and I did not receive a response until XX/XX/2024, in regard to the dispute. The Fair Credit Reporting Act requires creditors to investigate within a XXXX time period. AFFIRM INC. did not do such a thing. It was until 3 days after the XXXX day ( deadline ) was up until I received communication of results from AFFIRM INC by electronic email. To be transparent, as much as I understand consumers are in fact required to be responsible when it comes to dealing with creditors, but a default DOES NOT void federal law. By law under the Fair Credit Reporting Act pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( a ) - Procedure in case of disputed accuracy, a dispute can not exceed 30 days and I am quite sure that the initial relationship that was between AFFIRM INC. and I is the cause of the apprehensiveness, but spitefulness is not above the law. Even within the Furnisher Rule Book per Furnisher Rule 660.4 ( e ) ( REGULATION V ) creditors must investigate within 30 days and no later. Otherwise, AFFIRM would in fact be liable for recourse. The investigation starts upon receipt of the letter. Ultimately the account furnished by AFFIRM is still being reported and disclosed to me by XXXX XXXX XXXX inaccurately. It is showing in the payment summary for XXXX, XXXX, and XXXX as " XXXX, XXXX, XXXX ''. This is factually incorrect and inaccurate. It is unfair and inaccurate credit reporting. It is out of compliance by refusal and denial of this fact. This account is disputed. I will also escalate this matter with my state attorney general as a result of AFFIRM 's resistance to comply.