davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

American Express eGift cards are not usable on any major platform including with vendors they state it can be used with. Their customer service is not helpful nor do they give information to resolve the matter. Their instructions of adding your personal name and address upon check out does not work with vendors and causes payments to be blocked. I am unable to use the gift card gifted to me by my employer. American Express eGift cards can not be used in a way that they are advertised and listed as being able to be used due to the way they are set up. If used the way they are instructed to be used they will trigger a blocked payment. I am also unable to add the gift card to my digital mobile wallet due to the nature of the gift card product despite it being listed by American Express of being able to. There is no way for me to access the funds at all.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TrueAccord Corp. (IL)

They are trying to collect a debt that is so far beyond the statute of limitations its laughable. Please advise You have an account with XXXX XXXX XXXX. The original creditor was XXXX ( South Dakota ), XXXX. with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX. 
As of XX/XX/XXXX you owed {$1500.00} Between XX/XX/XXXX and today You were charged this amount of interest + {$340.00} You were charged this amount in fees + {$0.00} You paid or were credited this amount toward the debt - {$0.00} Total amount of the debt now {$1800.00}
Consumer complaint received 2024-01-04
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc. (MI)

Also I was told that the attorney wasnt able to send any information with his name on it prior to a case that happened some other time.

National Credit System refused to speak with me and I asked to speak with a manager to understand and I was told to contact someone else. Why am I contacting someone else when there information is on the credit report. Seems like fraudulent actions.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (OH)

I received a Chase XXXXXXXX XXXX XXXX XXXX  on XX/XX/2024. I checked my account to see that there was a new credit inquiry under my account. I called Chase and alerted them that I had not opened the card. They determined that the card was opened fraudulently and closed the account.
Consumer complaint received 2024-01-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MT)

SOURCE RECEIVABLES MNG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX has continued to call and harass me despite telling them to cease, this debt is over XXXX  years old and has already been previously and successfully disputed with XXXX XXXX XXXX. XXXX This debt is not mine, I already went through a lengthy process to have it removed once and if they do not remove it from my credit report immediately and cease contacting me I will be filing suit against them.
Consumer complaint received 2023-03-27
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. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (DC)

I purchased this card on XXXX XXXX,2023 for {$500.00} and the card was not working. I requested a replacement card on XX/XX/23 and submitted requested documents that included the receipt of purchase, images of the card and my personal identification. This information was sent multiple times via fax on XX/XX/23, XX/XX/23, and XX/XX/23 and received confirmation of successful delivery. The company claims they never received the documents any of the times. I've exhausted efforts to resolve this directly with the company and have resulted in filing this complaint
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (CO)

Affirm is charging me for a XXXX XXXX XXXX purchase I allegedly took a loan for on XX/XX/23. I never took this loan. I saw online that many people have complained of unauthorized XXXX charges through Affirm. Please help. Affirm keeps charging my debit card. 
Thank you
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: DISCOVER BANK (AL)

discover account was taken during my identity theft and funds transfered to creates new account I proved fraud and identity theft with my identity theft restoration XXXX and was assured i was covered but they just closed the account and put a negative mark in my credit report
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (FL)

Someone opened up a credit card with my OLD married last name ( that I havent used since XXXX ) and let it close and go to collections. Ive told this company over and over again it was NOT me but they keep insisting it was because they were talking to me on the phone. When I mentioned thats what fraud people do, they pretend to be someone else they hung up, but still will not fix it.
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (MO)

On XX/XX/XXXX Fay Servicing received a payment from an assistance agency XXXX XXXX XXXX XXXX ) totaling {$5400.00} in response to a demand letter. The check was never applied to my account and could not be located. I called Fay on XXXX and was told the check was mailed back to me on XX/XX/XXXX because the payment needed to be in the form of certified funds. I contacted the assistance agency who promptly overnighted a cashiers check for {$5400.00} which was signed for at XXXX on XXXX. The payment has not been applied to my account. This is ridiculous and illegal.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was on XXXX XXXX an got alert to find ways to improve my score they said to add a new credit card from one of there partners it will not affect my credit score so I applied for a card through capital one because I have one card with them. So they did a hard credit pull an declined me I had a score of XXXX an XXXX an lost points on both. XXXX XXXX should not have the write to say will not affect your score then you loose points. Capital said they declined say my card balances was way to high an to new of account. Which are both incorrect according to XXXX an XXXX so I lost points on both if I knew there would be hard pull an loose points I would not have applied the only reason I did is XXXX XXXX  said will not affect your score
Consumer complaint received 2015-05-06
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Highland Capital (WA)

I received a voicemail on my cell phone around XXXX PST on XXXX/XXXX/2015 from " XXXX '' from Northwind Associates, a debt collection agency. XXXX states that she is a legal courier for the county and that she has legal documents with my name and social security number on them and that if I do n't call back within 24 hours, it will be recorded with the county as a lawsuit and a refusal, where they will get a default judgement against me. I called back the offices of Northwind Associates at XXXX and asked for their mailing address and company information. I was told by their associate that their mailing address is : XXXX XXXX XXXX XXXX, NY XXXX I did a search for their company name and another search for their address with the NY Department Of State and this company is NOT a registered business, nor do they have a license to be a debt collector. This is their website, showing the same address as above : XXXX I believe this company is acting as an illegal debt collection agency and preying on consumers who fall for their scam.
Consumer complaint received 2022-11-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (NY)

I HAVE BEEN A CONSUMER FOR DISCOVER CARD FOR OVER 30 YEARS WITH NO MISSED PAYMENT. MY DEBT TO RATIO IS UNDER 30 %. THEY PUT A 30 DAY LATE ON MY CREDIT REPORT WITHOUT NOTIFYING ME. I NEVER RECEIVED BILL IN THE MAIL, I NEVER RECEIVED A PHONE CALL, NOW TEXT. THEY JUST DAMAGED MY CREDIT REPORT WITHOUT CALLING ME FIRST. MY SCORE DROPPED OVER XXXX POINTS. MY CREDIT SCORE WAS OVER XXXX UNTIL THIS DISASTER HAPPENED. DISCOVER REFUSED TO TAKE LATENESS OFF OF MY CREDIT REPORT. I HAVE REACHED OUT TO ALL 3 CREDIT BUREAUS TO DISPUTE IT AND I AM AWAITING RESULTS.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received a personal check from family member for {$9000.00} for purchase of a vehicle. Hold was placed by bank saying that funds would be available BY XX/XX/year> at XXXX XXXX. On XX/XX/year>, bank account says funds will be released AT XXXX XXXX., essentially meaning that Bank of America is keeping funds for additional day. Funds cleared family member 's account at least 2 days prior. Bank of America is holding funds hostage ( has funds from other account but is not placing them in my account ) to use for unknown reasons. When asked why the release changed from BY to ON, customer service was unable to provide answer, only saying that that was handled by back office, which is unreachable by the public. I suspect BoA uses funds ( which again have been taken from family member 's account and not deposited into my own account ) for their own purposes and to gain interest when they should be deposited into my account. They have the money that they have taken from the other account and should honor the original statement on deposit slip ( BY XXXX XXXX. ) instead of changing it day-of to AT XXXX XXXX, essentially making the money inaccessible to me for another business day.
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MEMBER FIRST MORTGAGE, LLC (TX)

New hazard insurance in force XXXX XXXX. This premium was paid by mortgage company. A letter to me was sent on XX/XX/XXXXXXXX  explaining that lower taxes and insurance amounts have resulted in a lower payment and that they know I have an escrow overage. 
They won't allow the lower payment to take effect until XXXX even though they've sent in writing that my payment is {$490.00} a month lower. 
The letter said a check refunding the excess would be attached. It was not. I try to call them and they're constantly on voice mail. No one ever answers live. I am also filing with the XXXX  and the Texas State Attorneys General.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Central Atlantic Sales Inc. T/A Priority Buy Here Pay Here (VA)

I paid my vehicle loan off which was verified by Central Atlantic Credit on XX/XX/. Since then I have sent 3 emails reminding them to update my credit report. The email response has been of no impact.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received the evidence ( s ) { attached dated XX/XX/XXXX  no letter just " papers '' no explanation simply vague production along with that final line on page two ( 2 ) and the contradicting statements made all over that page including Account History [ up to ] XXXX - but wait the next payment date is XX/XX/XXXX  there is a whole lot is unaccounted for therein } necessary to the proving of my allegations, alleged for some period of time now, against Bank of America [ BAC ] related to improper servicing, misapplication of funds, misrepresentations of terms, I will be mailing the first three ( 3 ) pages [ my response ] dated XX/XX/ ( of NEVER AGAIN 's ) out by postage prepaid 1st class US Mail on the XXXX of XXXX. The company has asserted in the ongoing complaint XXXX that " it needs more time '' or that " it's response is in progress ''. Again I represent and assert that is absurd the company is acting and has acted in Bad Faith in each and every instance I have alleged, and the proof has now been procured and is so attached hereto.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (OR)

On XX/XX/2024, I received a letter from American Express ( ref : XXXX ), asking for a copy of my tax return in connection with an application for credit. 
I contacted them at XXXX, and they were able to decline the credit application on my informing them that the application was not initiated by me, and thus fraudulent. On XX/XX/2024, after placing freezes and fraud alerts with the major credit reporting agencies, I again contacted American Express at XXXX, to request a copy of the application for credit entered in my name, so that I could complete a police report. The online police report ( XXXX, XXXX police department ) requires a dollar amount to be entered, in order to file the police report. 
Their representative stated that American Express ' policy is that they will not release a copy of the credit application without a police report, an affidavit of identity theft, and a copy of my government issued identification. I explained to her that this feels like a violation of my rights. If they accepted a credit application from whom was presumedly me, I should be entitled to a copy of that application for credit without anything beyond what they required to initially accept the credit application. 
When the representative was unwilling to make an exception to the policy I feel is unlawful, I asked to speak with her supervisor and she stated there was not supervisor and they would have a supervisor give me a call back in 24-48 hours. 
In a situation where identity has been compromised, timeliness is imperative to prevent further fraudulent activity and potential losses to all parties. I explained to the representative that this was unacceptable to me to and asked her to confirm if they were working without a supervisor present. She was unwilling to confirm if a supervisor was actually present or not, and simply repeated that a supervisor was unavailable. This felt as if a rogue agent was exercising her will to prevent me from getting the help that I need, as I already explained that the policy American Express holds as a barrier to prevent victims of identity theft from getting the documentation they need feels as violation of my own rights.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NY)

I attempted to use my credit card to purchase airline tickets on XX/XX/XXXX. I have a {$5000.00} credit limit and it was all available I had no outstanding balance. The transaction was for {$2200.00} and was declined. The reason the bank gave was " fraud alert. '' I called TD Bank, it took 45 minutes and jumping through hoops to get them to unfreeze the account and allow me to use it. On XX/XX/XXXX I attempted to make a {$62.00} purchase at Target with my debit card from the same bank, TD Bank and the transaction was declined. 

This bank is the fraud. They have a faulty and phony algorithm. Their random use of " fraud alert '' is NOT TO PROTECT THE CONSUMER, it is a fraudulent system to protect themselves. They caused me embarrassment and XXXX I am XXXX XXXX XXXX, I have a XXXX XXXX, they are causing me stress for NO REASON AT ALL! This bank has done this to me so many times and they get away with it. They need to be held accountable for how they play with people 's lives. I go into the world with a certain secure feeling that if I have money in my account, if I pay my balance on time, if the credit limit is available - that I will be able to conduct commerce without stress and embarrassment.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TN)

I went online to look for a rental car and I found somewhere he said his name was XXXX XXXX the phone number was XXXX he said American Express cards had a special with his company at 50 % off per day but it expired that day I said that I didn't have one he said I could go buy a prepaid card I gave him the information and my card got charged {$240.00} on one transaction at XXXX {$0.00} at another transaction to XXXX and {$45.00} at XXXX
Consumer complaint received 2024-05-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA (OH)

Subject : Complaint Regarding Debt Collection Practices Dear Sir/Madam, I am writing to bring to your attention an incident involving debt collection practices that have raised serious concerns regarding the handling of my account. On XXXX XXXX, XXXX, I received a call from a number, XXXX, allegedly from Hyundai Motor Finance, despite never having owned a Hyundai vehicle. Subsequently, on XX/XX/XXXXXXXX, my XXXX red Kia Soul was repossessed, as confirmed by Kia Finance of America, prompting me to retrieve the vehicle after paying {$100.00} in cash to the repossession company. 

Despite my attempt to halt the persistent calls by texting the aforementioned number on XX/XX/XXXX, the calls continued unabated. Consequently, I filed a complaint with the Federal Communications Commission ( FCC ) for violating the Telephone Consumer Protection Act. Furthermore, on XX/XX/XXXX, I received an email from XXXX, indicating an outstanding payment of {$660.00} and subsequently made a payment of {$1000.00} over the phone with XXXX, who couldnt verify the debt discrepancy. This complaint was filed under FCC Report Number XXXX. 

Efforts to verify the debt with the collection agency proved futile initially, with necessary documents being unavailable. Subsequent communications on XX/XX/XXXX and XXXX, XXXX, further highlighted discrepancies in payment history and customer communication, raising concerns about the accuracy of the debt. 

Upon contacting customer service on XX/XX/XXXX, I was transferred between departments without resolution, further exacerbating the situation. Despite receiving the requested documents, significant discrepancies emerged, including errors on the lease agreement, which listed an incorrect address with an incorrect city and a zip code that I never lived at or done business with. Additionally, the debt agency kept changing its name from Hyundai Motor Finance to Kia Motor Finance to Genesis Finance without providing a valid address or contact number to reach them. 

I kindly request your intervention to address these discrepancies and ensure compliance with consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Telephone Consumer Protection Act ( TCPA ). 

Thank you for your attention to this matter. I anticipate a prompt response and resolution to this issue.
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 I made a purchase on my Truist XXXX of {$11000.00} On XX/XX/XXXX, I paid the credit card balance off. The vender I made the purchase with was unable to furnish the products, so on XX/XX/2023 they credited my card back the {$11000.00}. Now I have a credit of this amount on my credit card. I went online and made a same bank transfer from my credit card to my money market account. After viewing my statement I noticed Truist Bank charged me a {$450.00} cash advanced fee. This was my money, nothing popped up to notified me this was a cash advanced with a fee attached. I have tried for XXXX weeks to resolve this issue and was told they ( they being XXXX different Truist representatives ) understood and would work on getting my account credited. Yesterday I received a call and was told the {$450.00} will not be refunded and that was final. I was told the computer can't distinguish between a credit balance and a cash advance. I had in excess of XXXX in my money market account, and XXXX in my checking account all in the same bank, why would I have needed a cash advance. Truist claims the only way to remove such a credit was to come into a bank and fill out the paperwork. I question why was I able to make this transfer without a notification of a fee being charged. Again this was my money.