davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX I was approved for an AAdvantage card to use for a flight that I was wanting to schedule. Which should have meant that they gave me temporary card information to pay for the flight with. That did not occur. Additionally I still have not received my card since that date. Meaning that I am still not able to schedule the flight with the deal that they conveyed. So the deal is broken twice, once by them not fulfilling their obligation immediately after the approval and a second time by failing to deliver the card when they said it would be delivered. This is the summary of what occurred. I will put the more detailed version below, which will likely exclude the times I called and XXXX XXXX and Citi referenced each other or other parts of their business that couldn't help me. 


XX/XX/XXXX Approved for card but wasn't given temporary call information to use to book the flight. 
I called to see why I didn't get the needed temp info, they simply said that they couldn't retrieve that information. I advised them that I needed to change the shipping address. They told me to call back in another two days and claimed that was when the card would be shipping and that the shipping address could be changed then. 

XX/XX/XXXX I call back asking to change the shipping address of the card. They advise that it shipped the day before. They cancel that card and advise that another is being mailed to the correct address and should arrive in 7 to 10 business days ( XX/XX/26 - XXXX ). 

XX/XX/XXXX I call back to see what's happening with the card and the representative advises that the card shipped on XX/XX/XXXX and that it should arrive in another 3 to 6 business days ( XX/XX/XXXX - XXXX ). When I asked about the reasons for the delay she advised that is was due to a " known internal issue '' and " system glitch ''. After this I demanded compensation, the rep put me on the phone with her supervisor who said that they would credit me XXXX additional flight miles.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (VA)

With Chase bank, I am enrolled into their " My Chase Plan '' program, where a payment plan can be set up for certain payments, with a monthly fee incurred. That monthly fee is wrapped up into the monthly payment and is not charged separately. Currently, I have 2 payments, one that charges XXXX XXXXXXXX and one that charges XXXX XXXX  Under the plan and that specified payment amount, it says " This includes the monthly fee ''. However, for the first time since I've had this card open, Chase charged me an additional fee for each of those plans. For reference, the fee for those plans are {$36.00} and {$2.00}. My monthly payment total should be {$180.00} with the fees included ; however, this month they double charged me these fees and now my total amount due is {$220.00}. They are claiming to have opened a case to look into this further and have not offered any solutions. This is a company that is looking to make a profit, so I'm not sure why their " we look into our wrong-doing and found nothing wrong '' approach thinks would work.
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I the consumer and natural person was denied credit by Huntington Bank when I applied for a XXXX XXXX XXXX XXXX XXXX. My application number is XXXX. I would first like to address Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which codified in the 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k, also in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002, furthermore 12 CFR 1002.4 ( a ), along with 15 U.S.C 1681a. XXXX and XXXX XXXX is reporting this inquiry on my consumer Report. The documents that will be attached show that someone is lying to me. I got a notice stating I was not approved, nor denied. I was told there were no hard inquiries on my credit, but they are still reflecting. I also spoke on a recorded line with a manager of their bank as well as a supervisor. I was told they denied me credit and they did an adverse action, which is against consumer rights according to the US cod of justice. I also did a second application, but I made sure to reserve all my rights on the new one and they are still not approving me while continuing to violate my rights. On the second application, I verbally expressed to the banker XXXX, that I wanted to tender this to make sure he got it completed and it was not specifically for just one vehicle. It was to be able to be taken to a dealership for the vehicle of my choosing and I had chosen the XXXX XXXX XXXX XXXX. I also sent a hand written letter in the mail certified mail. Please do a deep investigation!
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On XXXX XXXX, I attempted to pull my Equifax credit report but was unsuccessful. I can log into Equifax but there is an error message stating, " Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at ( XXXX ) XXXX or try again later. ''
Consumer complaint received 2023-06-22
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I wrote to XXXX  with the attached letter, They have not responded nor corrected any of the inaccuracy that I have pointed out. 

In accordance with the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (MI)

Capio Partners is stating that I owe them for a debt. I requested for them to send me validation a signed contract with my signature and that the agreement was between Capio Partners and I and a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of MI as well as other specific things Ive asked them to prove. Capio Partners is stating that I owe them for XXXX XXXX Of Michigan in the amount of {$180.00}. I reached out to XXXX and asked do they sell debt they stated no ( Im well aware of my HIPPA laws ). I could sue XXXX for violating XXXX laws. Capio Partners has violated multiple HIPPA laws and I have my lawyer on hand to sue Capio Partners for the violations of my medical rights. Also there information has not been reviewed by a lawyer.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have not applied for credit cards or pulled my credit at all in the year of XXXX received an email on XX/XX/year> that a Capital One credit card was on it's way to me. I then received another email on XX/XX/year> from XXXX that a credit card was on it's way to me. I then received an email from XXXX stating that a new inquiry was on my report. I called both of the companies on XX/XX/year> to cancel these cards immediately and found out they were being sent to my old address where my grandparents lived. Today, XX/XX/year>, I have called the credit bureau 's to dispute these credit pulls and add monitoring immediately. I have no other information and can get it if needed.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (IL)

This is XXXX account holder ending XXXX This is several time reach and report account to use XXXX transaction to take withdraw without my permission or authorization to send unknown activity use my wife name and go to my wife account to same day transfer to unknown account like XXXX XXXX and XXXX XXXX XXXX XXXX XXXX fraud banking going on in XXXX They charge fraud my account to hit my account as charges of XXXX $ and bank say is true XXXX and me and my wife both are denied. This transaction about XXXX is late night and both in this time sleep is XXXX transaction to be continue down
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XX/XX/2023. Portfolio Recovery called me at XXXX XXXX. I answered and stated do not KEEP HARASSING ME AT XXXX XXXX. I am asleep.. And they hung up without saying anything, because they know theyre breaking the law. 

Im incredibly frustrated bc I do not sleep well or enough, and its one of the worst things to do when Im recovering from XXXX, and a XXXX. Woke me up from sleep. This is the second day in a row they have called me between the hours of XXXX and XXXX. 

Yesterday XX/XX/2023 they called me at XXXXXXXX XXXX. Which I picked up and stated IT IS XXXX PLEASE DO NOT CALL ME AND HARASS ME AT XXXX XXXX XXXX XXXX. They hung up without saying anything. 

I have screenshots that show the calls time, and number- and this is not the first instance of this. 
Ive had at least 10 other calls over the last 6 months or year that have been in the hours before XXXX.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

On XX/XX/2023, my bank, BMO, began a transfer of its newly acquired bank, Bank of the West. During that time, as stated on their website, " Debit cards will continue to work for merchant purchases and ATM cash withdrawals, but not for balances and other account information throughout the weekend. " ; therefore, access to money in accounts was available, but customers would have no access to view their accounts online or on the app during that time. The dates of the process would be XXXX XXXX with regular service resuming XX/XX/XXXX. On XX/XX/XXXX, I began receiving cell phone notifications from BMO that my automatic monthly charge to my cellular provider was declined. I received this alert several times every day during the four days mentioned. I then began receiving additional notifications from other merchants I had set up autopay with using my BMO checking account. One merchant, XXXX, reverted to a previously saved card that I did not want to use ; the process for changing it back required several steps and much of my valuable time. Fearing something had happened with my BMO account, I stopped using the debit card, and tried to contact the company. Because of this massive transfer BMO was engaged in, all attempts to speak with a representative resulted in exhaustive wait times on the phone and finally giving up. On Tuesday, XXXX XXXX, when BMO assured its customers that service would return to normal, I was able to view my account online and see there was ample money available ; I assumed the declined payments were a product of BMO 's transfer. That same day, I attempted to use my card with a merchant with whom I was dining, and it was declined. I called BMO again and this time I was able to reach an operator. The operator informed me that on XXXX XXXX, I attempted a purchase that appeared to be fraudulent. ( The purchase was to a music service for {$14.00} ; I had previously used this very same service just over a week prior, on XX/XX/XXXX for {$28.00}, with no red flags raised by BMO. ) In addition to this not previously causing red flags, BMO made no attempt to contact me on the date of the charge, despite my having all alerts set on my cell phone, and BMO sending me repeated alerts about all of my declined auto-payments for four straight days. Finally, the " fraudulent '' charge showed that it had cleared on XX/XX/XXXX, despite BMO never receiving my permission to accept it or confirming the charge in question was fraudulent.
Consumer complaint received 2018-10-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

this account is 9 years old, the information that they have in the system is the following " due to the age of this debt, we will not sue you or report it payment or not payment to the credit bureau. 

open date XX/XX/2007 for the amount of {$600.00}.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-15
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. (GA)

In alignment with the Fair Credit Reporting Act : The inquires listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy. 

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent. 

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (NC)

They kept harassing me for months about alleged debt collections, from various numbers all times of the day and night. Also sent letters to addresses I do not stay nor did I approve or consent to my information being sold to solicitors to harass me and have my information.
Consumer complaint received 2023-11-08
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: EQUIFAX, INC. (NY)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2023-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (CA)

In XXXX, I noticed Harvard Collection Agency had added a collection to my credit report ( all three ) without notifying me. I requested proof that this was my debt and disputed it with all three bureaus. Harvard collection agency informed me this was a debt from the State of Ilinois for welfare they wanted me to pay back from XXXX. I was not notified of this attempt in XXXX and nothing has been on my credit report until XXXX. After I disputed this debt, Harvard Collection agency removed the collection from all 3 bureaus and then added it back on in XX/XX/XXXX. I was not notified again about this debt and only noticed it when I received a credit score update that showed my credit score dropped for all 3 bureaus.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, I wrote check XXXX  XXXX in the amount of XXXX to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for my XXXX property taxes. I mailed the payment at the post office. On XX/XX/XXXX, the XXXX amount was deducted from my checking account. I reconciled my XXXX bank statement when I received it and all the balances were correct. 
On XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  stating that my XXXX taxes had not been paid yet. I IMMEDIATELY called Bank of America to inquire as I did send the payment and it was deducted from my checking account. 
Bank of America told me that check XXXX  XXXX was made out to XXXX XXXX XXXX ' I was able to view the check online and saw that it was a counterfeit check and was not authorized by me. 
The counterfeit check amount was the same as the check I wrote to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but the security features in the check are inconsistent with my checks and the signature is not mine. 
I put in a fraud case at the Bank of America and they told me that there is nothing they can do about it because I needed to report the unauthorized transactions within XXXX  days and the claim was reported out of this time period. 
There was no way for me to know or even suspect that there was any fraud before this time. I pay my property taxes every year in XXXX and the check clears without any issues, there was never a doubt in my mind that this time would be different. 
Bank of America told me that the counterfeit check was cashed at a XXXX XXXX and they have a tracer as to the account number but will not assist me with recovering my stolen funds. I was a victim of identity theft and Bank of America honored a counterfeit check and signature on my behalf. 
Please assist me with further investigating this issue and helping me get my stolen money returned.
Consumer complaint received 2023-09-23
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (KS)

I signed up for the CareCredit for a specific purchase that offers no interest if paid in time. I used the app to pay and paid the minimum amount that it indicated. It did not say anything about this amount being too low for the promotion or give me any notices on the app, or show an alternative amount to be paid. Other cards manage to do this just fine within their app. They say it is in the estatement, but I believe they are fully aware that most people use the primary page on the app to determine what is owed and find information. I think this is ann intentionally misleading practice to hide important information from the customer.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my 11th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (CA)

Loancare have send me ANOTHER loan modification due to non-payment! 

XXXX. Their telephone XXXX is NOT working 'loancare phone system is currently down ' XXXX. Their server is not working! https : XXXX is NOT working XXXX. They are NOT sending me my statements. 

XXXX. They are NOT responding to my emails!! These are the list of emails I've found. any other emails com back with do-not-reply message! 
XXXX XXXX XXXX XXXX. They want to add another year to my mortgage term so instead of XXXX, they want to change my loan to XXXX!!! 

XXXX. I pay my own property tax. 

XXXX. I pay my own insurance on my property, but they keep putting me in an XXXX  account!! 

PLEASE HELP. 
XXXX XXXX XXXX