davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

Hi, So i Recently made deposit of large amount of checks from state of california it was a back pay for my job as an IXXXX XXXX for me XXXX this program for family 's with XXXX  family member and a family member can provide the support i was approved to provide in home care for my son since my application date was XX/XX/XXXX  and it took so long to get approved the state sent me all back pay from the time i applied i then went to the bank and deposited the amount into my bank account it was fine i went and made some small purchases and everything was going well. Until I decided to pay off my husband car loan on XX/XX/XXXX around XXXX XXXX  we went to the XXXX  XXXX XXXX and tried to pay off the loan the transaction didnt went trough, After that my card was keep getting declined so the next morning janurayy XXXX around XXXX XXXX  i called the bank and asked them why my transactions getting declined the tier one support transferred my call to Fraud department. 
This is where the story begin a very rude lady starting all the questions i all ready answered to the tier one agent whom i was on a call with for 30 minutes i asked the Fraud department lady why she is asking me same questions all over again she should have all information from tier one who connected us she got mad and Said okay bye have a good day and hang up on me. 
Few minutes later around XXXX XXXX  up on checking my account online I noticed i cant login and access anything where i was able to login and access everything before calling the bank so i called again and someone from fraud department asked some questions from checks I deposited and told me that your account is frozen due to check deposits and we will investigate this it will take two weeks i told them several time that those checks are from state of California and you can call the issuer if you have any questions from me i can answer but no my account is still frozen and no one is taking care if it. 
I am attaching receipt from the days of deposit and also some email screen shot from the sender of checks the confirms it is coming from a legitimate state office. 
PLEASE HELP!!!
Consumer complaint received 2023-04-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter from Midland Credit Management originator XXXXXXXX XXXX XXXXXXXX, that a Business Credit Card was opened in XXXX XXXX Date charged off XX/XX/XXXX. Last payment if any XX/XX/XXXX. Current judgement principal {$8300.00}. I have never had a business of any kind. I did not apply for any type of credit card at a different address living in XXXX XXXX XXXX son has stolen my social security card and identification and used in credit card fraud. On people finder my son name and address/ residence appears to have been used.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2022 and XX/XX/2022 I have 2 late payments from XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plans go late for any purpose.
Consumer complaint received 2024-01-07
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Tribal Lending Enterprise, Inc. (FL)

I took out a loan with ascend loans in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make two payments. The last payment I made was Thursday XXXX. I checked my finances yesterday and I saw I didnt have enough funds due to an increase of expenses so I reached out to account resolutions and asked to remove my payment plan which was done. And I explained my situation. On Friday XXXX I got a missed call from ascend loans and on today Sunday XXXX I got an email. I got an email from ascend loans asking if I believe in second chances. The email said ascend loans is now seriously overdue and may now include late fees and returned items. I am going through hard times and the email came off threatening to me. I do plan on going on a payment plan. But I need time to get back on track financially I want to be able to have enough funds to avoid an overdraft. I had spent the holidays during thanksgiving with a negative balance. And that was not a pleasant experience. And I dont ever want to go through that again.
Consumer complaint received 2024-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never later with my payment Capital one this is not my account XXXX XXXX  account
Consumer complaint received 2024-01-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/XXXX I received a call from ( XXXX ) XXXX that went to voicemail. The voicemail stated it was concerning an account connected to my social security number. I called the number back and the call was answered as " legal department XXXX XXXX XXXX ''. When I inquired why they contacted me a " XXXX XXXX '' proceeded to ask if I was XXXX XXXX. I confirmed I was and asked why they called me. She stated they were " representing their client for debt owed to XXXX XXXX in a civil suit and would I like to pay the bill owed before it went to court ''. I asked them to send me the information regarding the debt and let them know I owed no debt to XXXX XXXX and have a XXXX balance on my XXXX XXXX credit card account. XXXX XXXX refused to send information to be regarding this alleged account and any money owed. She also refused to provide me with an address for their organization so that I could send a verification letter. I then stated to XXXX XXXX that any reference she may have to an alleged balance owed was from an old account which was paid off in 2003 and that I had reported Portfolio Recovery Associates ( who keeps selling this account ) to the Federal Trade Commission and the Consumer Finacial Protection Bureau for re-aging debt practices in 2014. I advised XXXX XXXX since she was refusing to provide me an address for their business to send a verification request letter that they were to cease and desist calling me. This business called me again on XX/XX/XXXX and a " XXXX '' called me from XXXX saying she was " calling on behalf of attorney XXXX XXXX '' and would I like to pay the debt or be ready to have my wages garnished and my home with XXXX XXXX have a lien put on it ''. I again stated to " XXXX '' that I did not owe a debt to XXXX XXXX and requested verification of information ( which she refused ) and asked for an address of the company to send a request for verification letter. She refused. I again told " XXXX '' to cease and desist calling me. I have received calls and voicemails from this company from ( XXXX ) XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to address an error in the recording of a payment on my credit report, which was inaccurately processed by XXXX BANK. Despite making a payment on time, there was a discrepancy in the recording due to an error in their software system. Upon identifying this issue, I promptly contacted XXXX BANK to rectify the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. But the bank is not complying with their word, they said they would fix the issue but it's still remaining in my report. Please have this account updated : XXXX BANK XXXX
Consumer complaint received 2023-08-21
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. (CA)

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  Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDXXXX # XXXX, Account name : XXXX XXXX # XXXX 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 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 2024-01-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC (TX)

On XX/XX/XXXX my truck XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was repossessed in 33 days of non payment without any notice by Westlake Financial Services. They received last payment on XX/XX/XXXX shows in the XXXX XXXX XXXX statements. Westlake Financial Services wants {$1600.00} single payment in order of retrieve the truck back. They did unfair trade practices because I should being noticed that they will REPO the truck. or give an opportunity to make the payment due to holidays delays and issue with XXXX XXXX XXXXXXXX. I require the truck back to go to work and I only have {$1000.00}.
Consumer complaint received 2024-01-07
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (WA)

Navient was found to have been dishonest regarding my student loan. After XXXX  years of disputing it, The Federal Department of Education found against them. Navient was instructed to clear and close my account, which they did. However, they keep the file active in the credit bureaus, which has continued to harm me beyond the XXXX  years it took to get this resolved. They should remove any and all references to any loan with them, since they were found dishonest.
Consumer complaint received 2024-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Incomm Holdings Inc. (KY)

I bought a visa card with XXXX dollars on it when I needed more than that I bought another one with XXXX dollars on it. And it didn't say anywhere that you can't use 2 cards so i waisted my money and i don't know how to get a refund that i want.
Consumer complaint received 2024-01-07
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: GOLDMAN SACHS BANK USA (AZ)

XX/XX/2023 I ordered a golf skirt order # XXXX from XXXX XXXX XXXX online for {$120.00} on my Apple card. It arrived via UPS on XX/XX/2023. 

It was too large and had a few stains on it so I decided to return via UPS on XX/XX/2023. UPS ground tracking # XXXX to the address that was on their website... I had to pay {$13.00} for the return. The address to return from their website is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX UPS confirms they delivered it at their gate on XX/XX/2023 at XXXX The following month my Apple card showed no refund. I could not contact XXXX XXXX as they have no phone number to contact. So, I contacted Apple via customer service line and gave my tracking number and they said they would file a dispute. XXXX months later, the disputed amount was deemed in the merchants favor. Apple said that I RECEIVED the product, so I have to pay. I said, I RETURNED the package and have proof with a delivery receipt that the merchant got the return. I've been through 3 written disputes with Apple and 6 half hour phone conversations. Apple says I should just pay it so it doesn't reflect on my credit score. I believe this is a fraudulent company as I Googled the address their website says to send to and goes to an obscure place.I 'm not going to pay this amount as I returned it and have proof it was delivered. Apple is now reporting to my credit agencies as a 60 day late payment. As of today, my credit score went from XXXX to XXXX. I want Apple to return my original payment plus my delivery return fee. Thank you.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (TX)

In XXXX PNC bank deducted {$50.00} as bank fees from my account for a tool called XXXX XXXX  I did not sign up for XXXX XXXX  or neither do I need it. When I complained to cfpb complaint : XXXX Eventually they credited back my money but looking into my account on XX/XX/XXXX they debited my account for {$52.00} again.
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Your agency is in violation! 
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. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX 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 2023-01-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/XXXX XXXX I received a phone call from LVNV Funding collection company, I notified caller that I'm representing by attorney, and provide my attorney phone number. This was my first communication with LVNV funding. I checked my credit report and see that LVNV claim that I have debt $ XXXX never receive any letters or communication from LVNV.I think that LVNV funding violating section1006.30 of FDCPA.I would like LVNV funding to remove {$2300.00} from my credit report.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

According to The Privacy Act of 1974 and the15 U.S. Code 1681b - Permissible Purposes of Consumer Report explains what a credit bureau can and can not do. I feel these rights was violated. " Theseaccount is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (PA)

I have a mortgage wit h PNC  bank. in  XXXX  the bank asked mortgagers to start using new online banking website. I enrolled to that online banking and was told by associate that the old information is no longer valid and I have to set up new payments information on that site. I did. but on  XXXX   XXXX , they withdraw  one p ayment for  XXXX  using old website set up, and on  XXXX   XXXX , they withdraw second /duplicate payment using new website set up. I called multiple times and requested a refund, but the bank refused to process refund stating the payment will be applied to  XXXX . I did not give the bank authorization to decide how to handle my money. I did not authorized them to withdraw duplicate payment. It is an error on their end. Also, they told me that I have to submit a verification letter from my bank stating that the funds are indeed mine and that I indeed had them on my account. the funds withdrawn second time were intended fro my school loan payment and I do not have additional funds to pay my student loan and will get hit with fines. I tried to escalate this issue with upper management a t PNC bank , but was places on hold for half an hour and nobody ever responded.
Consumer complaint received 2024-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (WA)

The company claims that payments are late, when its an automatic payment that gets drafted from my account. The money comes out on the due date, and they charge late fees anyway, claiming that the payment was unsuccessful during the initial run. It is a lie to attempt to collect more money, when theyre already overpriced and not worth the hassle as it is. If you can reach an agent at all, theyre rude and unhelpful. They operate on the assumption that people dont want to pay their bills. The money is in the account, and the company takes the money automatically, but claims its late. I have a similar loan with another company and zero issues with THAT company.
Consumer complaint received 2024-04-05
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. (NV)

I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-08
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: JPMORGAN CHASE & CO. (OH)

Dear Government Department, I trust this message finds you well. I am writing to bring to your attention a discrepancy in the promotional offer I received upon opening a Chase Amazon Prime credit card on XX/XX/. 

At the time of opening my account, there was a promotion in place entitling new users to a {$60.00} gift card. I promptly received the allocated gift card amount as per the initial promotion. However, shortly thereafter, the promotion was revised, and new applicants were offered a {$100.00} gift card. 

I have made attempts to address this matter directly with Amazon, but unfortunately, there seems to be no avenue for escalation regarding promotions associated with their specific credit cards through Chase. 

I kindly request your assistance in facilitating the adjustment of the promotional offer to reflect the current {$100.00} promotion. I believe it is only fair that I receive the {$40.00} difference, as I received a significantly lower benefit compared to those applying for the same exact card under the revised promotion. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly.