davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Potfolio Recovery is a collection agency out of XXXX VA. Portfolio Recovery has been attempting to collect a debt in the amount of XXXX under account number XXXX since XX/XX/XXXX. In XX/XX/XXXX I opened a credit card with a retail store identified as XXXX. XXXX issued credit cards through a bank identified as XXXX XXXX. 
In XXXX, the original creditor, identified as XXXX/XXXX XXXX filed a chapter XXXX bankruptcy and included the debt in the bankruptcy. The bankruptcy was dispositioed on XX/XX/XXXX. The account with XXXX  was closed XX/XX/XXXX. According to my credit report, at the time of closing, the balance owed was {$0.00}. 

Furthermore, it should be noted that the original amount of the debt was {$640.00} when portfolio Recovery obtained possession of the debt in XXXX. However, {$14.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating my balance on the debt to be {$0.00} as well was stating that the debt was included in the original creditor 's bankruptcy. It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX specifically prohibits portfolio Recovery from such practices.
Consumer complaint received 2018-11-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (GA)

RE : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I reviewed a copy of my credit report and found the following item to be an error. See the attached copy of my credit report. The error has been highlighted. 

Here as follows is the item in error : Collection Agency : XXXX XXXX XXXX XXXX   Original Creditor : XXXX XXXX XXXX ( Business has since been dissolved ) Balance : {$470.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XXXX XXXX ( inaccurate, business dissolved in XX/XX/2014 ) Basis of Dispute E.g., I never had an account with this creditor and I do not owe this debt. Invalid information listed on credit Report - original Creditor name is wrong. I did not sign an agreement to pay for any services with XXXX XXXX XXXX nor did I sign an agreement with the collection agency -Debt Recovery Solutions. I have received no mail regarding me to verify this false debt. This false claim of a debt owned was with another collection agency XXXX XXXX XXXX and was removed for the same false accusations. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX XXXX XXXX charged me {$30.00} for a thing of yogurt on XXXX. I want to contest the charge, because I know that I would not pay that much for a XXXX XXXX XXXX, even in an airport. I threw away the receipt. I recall that the yogurt was between {$10.00} and {$18.00} ( it was cheaper than sandwiches, and they were XXXX XXXX XXXX  ). 

XXXXXXXX XXXX  to their credit, allows you to look up a receipt online. All you need is the location, date and credit card transaction ID. If BoA were to provide me the transaction ID, for this charge, I would not have needed to involve them. 

From what I can tell, Bank of America does not give me any way to find out what the transaction IDs for any of my charges are anymore. This seems wrong. I looked online on both my phone and on my computer, and I called their phone support as well. Even the phone support person was unable to provide me the transaction ID for this credit card charge. 

This seems wrong. It seems like every charge a credit card company wants to hold me responsible for should be backed up with a transaction ID I can use to check back with the vendor with.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This fraud account is being reported by a third-party agency and reports a different address on three different credit bureau. If you look at my Equifax also this company is sketchy. Its not licensed and bond when Im checking the address that is showing on my Equifax. Please delete this fraudulent account.
Consumer complaint received 2023-11-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: DHI Mortgage Company (VA)

I was told my debts would be paid off with the XXXX I gave in addition to XXXX down.. 
Now they are saying they used the entire XXXX for down-payment and closing costs. They delayed closing for a month causing me to be homeless for a month ... over XXXX in hotel costs extra moving and storage fees XXXX .....
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (GA)

XX/XX/XXXX I received an email from American Express that my credit limit had been reduced from $ XXXX to $ XXXX. The decrease was made to barely above my current balance. The company provided a generic response as to why but with no specifics to my account. The past statements show interest charge amounts that as soon as the company charges their interest fees then the balance will go over the credit limit. It is the company 's way to unfairly get more money out of their customers and stop the use of their credit card while still charging yearly fees. Customers can not close their accounts without credit score being lowered. ALSO, once available credit amount decreases so does credit score. Ultimately, what is happening is THE definition of predatory.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

I filed a complaint with you already # XXXX against Gemini Trust XXXX my name is XXXX XXXX XXXX XXXX ID on Gemini is XXXX Since my complaint, GEMINI sent me instructions to move my crypto to another wallet, but their instructions are totally contrary to the restrictions they have put on my account. 

someone named XXXX keeps sending me instructions but I run into account restrictions everytime please help me I am despondant I spend {$11000.00} on XXXX units of XXXX XXXX USD. I have missed many chances to sell the coin because of blocked account
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

I was buying a product from an online seller. I was scammed out of it and have not gotten the product. The shipping company and the person combined cost me XXXX XXXX I filed a claim with wells fargo and they denied it. Im XXXX and this money is what im using to pay college. I was scammed out of it. I feel I was wrongfully denied.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My account has not been properly working since XX/XX/23. The funds have not been properly reflected. Payments keep getting declined and no money is going in. 

My paycheck goes to my account through direct deposit, and it deposits a day before the holiday. I havent had access to my account since Thursday, every time I try to use my debit card it gets declined. I have reached out to my job for them to redistribute my check and they told me if it gets returned it will be added to my next pay period. I have payments to make these next two weeks. 

Also, when I ask what is the issue and what caused it, I dont get a good enough responce. My husband has chase as well and he did not have this issue. 

I am angry about all the fees I am about to have to pay for late payments and how it will affect my credit.
Consumer complaint received 2023-11-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (TX)

CFPB has sued Title max since XXXX this company are repeat offenders they continue to engage in illegal pressure collection activities. I took out a loan XX/XX/XXXX in the amount of XXXX XXXX Unfortunately I lost my job and my truck was XXXX, on XX/XX/XXXX around XXXX XXXX  I went to the store located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. After paying XXXX $ to get my truck back .I was told I could not get my truck because I would need a appointment to get the truck. I told the manager XXXX XXXX that was unacceptable, and I needed my truck today. He lied saying my truck was at a company called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. I then went to the XXXX XXXX XXXXXXXX XXXX  XXXX after waiting for over two hours while they laughed. While at the police Dept the officer took me to the back and began interrogating me because the manager called them saying I made a threat to shoot up a post office which was a lie. I have been diagnosed with XXXX  XXXX XXXX XXXX along with XXXX XXXX  XXXX in which I informed the employee at Title max. After leaving the police station I went to the DA offices. XXXX of the Investigators attempted to resolve the situation, but they even lied to her saying my truck was repo that day the XXXX. I am being charged a daily interest fee on a truck I can not get which is an extra XXXX XXXX They made me renew the loan bringing the total to XXXX XXXX The gravity of this company greed is beyond a mere fine. Unless The CFPB send a message that Title Max will understand they will continue to harm consumers like me. I still do not have my truck because they will not allow me to get it until XX/XX/XXXX.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I attempted to book travel through the Citi XXXX mobile site. 
I had accumulated XXXX points and wanted to use those on a flight. 
When I attempted to book the flight the system rejected the booking saying that the processing failed. 
The cost of the flight was {$1800.00} and the XXXX points would have covered {$1500.00}. 

I contacted Citi XXXX, they told me that the card got rejected and that I should contact Citi card services. 
I contacted Citi card services and they said the card is fine and the travel system is reversing the charge, I need to talk with them. 
Reached back to Citi XXXX, they told me there is nothing they can do because their system rejected it, I need to either wait 3 days, most likely losing my flight, book directly with the airline and not use any of my points or try to use my points after the booking for half their value. 
I further escalated to the supervisor in the Citi XXXX support team which gave me the same answer, only that they are contacting the tech team which are overworked and will likely take 3 days to check what the problem is. 

In Summary, I tried booking travel using my Citi ThankYou reward points, it didn't work, the only solution I got presented is : a. lose your flight b. book independently without your rewards c. lose half the value of your reward points The whole idea of travel rewards is that it is available on the few occasions when you travel, if that isn't the case, then why even bother.
Consumer complaint received 2024-04-11
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. (OH)

I was in the process of trying to purchase a home and realized I had damages on my report according to the 15 U.S.C 1681 law, there should not be any damages on my credit report.ITS a defamation to my character.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

CONDUCTED ON XX/XX/2022 IN THE AMOUNT OF USD XXXX FROM ACCOUNT XXXX THE ORIGINATOR 'XXXX ' XXXX SENT VIA your good bank for further credit account XXXX of XXXX  XXXX XXXX XXXX XXXX opened with XXXX XXXX  XXXX . 
OUR TRANSFER WAS REWIEVED BY THE OFFICE OF FOREIGN ASSETS CONTROL AND IT WAS AUTHORIZED FOR JPMorgan Chase Bank to process the transfer in accordance with the original payment instructions UNDER LICENSE NO. XXXX : JPMorgan Chase Bank N.A . blocked this transfer pursuant to U.S. sanctions administered by the Office of Foreign Assets Control ( OFAC ). OFAC has carefully reviewed the information presented and otherwise available to it in connection with this transfer and has determined that JPMorgan Chase Bank N.A. is authorized to process the transfer in accordance with the original payment instructions.
Consumer complaint received 2023-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

I called the debt collector this morning and they refuse to answer my questions. XXXX question was can I speak with the person who's name is on the letter. This person does not exist. They put a name for reference only, apparently. XXXX question, what is this about, Without verifying personal information they refuse to talk with me. even though I am giving all the information from the letter they sent me.
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (MO)

XXXX XXXX is a collection agency out of XXXX VA. XXXX XXXX has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. In XXXX I opened a credit card with a retail store identified as XXXX. XXXX issued credit cards through a bank identified as XXXX XXXX. 
In XXXX, the original creditor, identified as XXXX XXXX filed a chapter XXXX bankruptcy and included the debt in the bankruptcy. The bankruptcy was dispositioed on XX/XX/XXXX. The account with XXXX was closed XX/XX/XXXX. According to my credit report, at the time of closing, the balance owed was {$0.00}. 

Furthermore, it should be noted that the original amount of the debt was {$640.00} when XXXX XXXX  obtained possession of the debt in XXXX. However, {$14.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating my balance on the debt to be {$0.00} as well was stating that the debt was included in the original creditor 's bankruptcy. It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX specifically prohibits XXXX XXXX from such practices.
Consumer complaint received 2018-11-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Hello, This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA 809 ( b ).

After reviewing my credit report I have found that XXXX XXXX purchased a debt from XXXX XXXX that I do not owe. Midland is reporting an inaccurate account and information to the credit reporting agencies regarding my account. I have disputed the debt multiple times to no avail. I have sent multiple letters of debt validation and have not received any definitive proof. I did not open these accounts that were purchased. XXXX XXXX is not reporting on any of my credit reports across any agency. I never signed anything or submitted my information to go into contract with either of these companies.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (WV)

wells Fargo sent a letter dated XXXX XXXX stating that the completed their research they conformed that account as accurate without providing me with anything bearing my signature showing that i am contractual obligated to pay this debt. my name is XXXX XXXX XXXX account number as listed on my XXXX report as of XX/XX/year> is # XXXX. my address is XXXX XXXX XXXX XXXX WV XXXX social last XXXX are # XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NC)

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.

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 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XX/XX/XXXX, I went to XXXX XXXX to purchase a XXXX XXXX XXXX. I sent them my Dealer Funding Request from USAA and waited for hours. I looked up the car and found out it was a salvaged title. I told the dealership I do not want the car. I called USAA to tell them to cancel the loan all together but was advised I can use the dealer funding request or a different car. I still told USAA not to find the loan until they speak to me. On XX/XX/XXXX, I went to purchase a different vehicle. When I went onto USAAs site I saw the loan was funded on XX/XX/XXXX for the XXXX XXXX XXXX. I called USAA to ask what happened and I was told the dealership filled out the funding request. I called the dealership to ask what happened on their end and I was told they dont know what happened and they have already sold the vehicle to someone else. I had to get a second loan for the vehicle I had to purchase. I have called USAA every week since XXXX. I have gotten my military attorney involved. I have had neither clear communication nor a resolution in over 3 months. Not only is my credit score being impacted, but also my security clearance I hold for my job in the military.
Consumer complaint received 2023-11-14
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: Marlette Funding, LLC (NC)

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 plan as late for any purpose.
Consumer complaint received 2017-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (WA)

On  X/X/17    I requested a payoff quote from my loan servicing company,  XXXX , because I am refinancing my loan ( which has a  1st & 2nd put together ). O n their payoff quote, they are charging me {$200.00} for each release. I called the Washington  XXXX   XXXX   County Auditor  's office and was told the fee is only {$73.00} for th e 1st p age and {$1.00} per page after that, but re-conveyances are only usually  XXXX  page, and never cost {$200.00}.   Today,  X/XX/17   , I called  XXXX  asking why the fee is so high when the actual recording fee is n't that much & according to my DOT am not responsible for the Trustee fee. They said no, that across the board, Washington State reconveyance fees are {$200.00}, and if I do n't want to be charged that for each of the releases, I have to have the recording department in the auditor 's office fax them otherwise. Which ... of course they just told me to have   XXXX   look at the their web page ... which of course  XXXX  wo n't do.   I AM BEING OVERCHARGED AND CANT ' DO ANYTHING ABOUT IT.