davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC (OR)

Get a call almost every day and sometimes a voicemail left. It's an account for XXXX for only {$50.00}. I've set up payment twice for the discount price letter i got in email said i could pay that didnt go through. First payment I forgot about as they don't send reminders and didn't have enough on card and second time I had to end up using all money on card for rent that just went up. I know the payments didn't go through. I have not told them to stop calling but I've sent 3 emails to them mentioning the things and saying I know payment didn't go through etc with no responses back so probably wouldn't respond to a no call email. Phone calls are automated. I will get the payment made, I just would rather not have the phone calls. I know about account and I know I need to make payment and will try this coming week. The phone number I entered above is my only phone number so please don't start trying to contact other people, I don't live with any of them.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one closed my account with no phone call, no letter, and no email notice. I go to make my online payments and it says restricted. I call in and its states closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have had these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/XXXX, The day before XXXX. I dont think its right that they dont give you a warning or notice that this could occur. This has messed up my credit attempting to get a house and I was getting a bonus check to pay all 3 cards off on XX/XX/XXXX. We were just advised that on XXXX Friday. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (FL)

So I had a Truist account that has now been closed due to a check transaction not made by me and have called Truist over multiple time in regards to this transaction and now i currently cant open up any account due to this mistake made by them Im currently in a rough spot not knowing how Im going to get my paychecks for future dates to come
Consumer complaint received 2023-09-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

Collecting debt of {$930.00} for XXXX XXXX. I never have used services from XXXX XXXX. I have been using XXXX XXXX XXXX  and still currently use XXXX XXXX XXXX for myself and all my family members. It was identity theft/fraudulent transaction. I dont even have XXXX as service provider near the location I live. I disputed many of times and it has dropped off but keeps coming back with a different debt collector.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

My {$5400.00} XXXX rent check was stolen from the mail and fraudulently cashed with XXXX XXXX XXXXXXXX. On XX/XX/XXXX I filed a fraud affidavit with chase and was told it would take XXXX days to resolve the issue. It has now been almost 150 days and I still do not have my money back in my account. I was told that XXXX XXXX XXXXXXXX had finished their investigation and that they had mailed me a cashiers check on XX/XX/20. I didn't receive the check so I called chase again and they said the cashiers check was being sent to them and they would deposit it in to my account. I called again today, XXXX, and now I am being told again that the check was sent to me. It has been over XXXX weeks since the check was supposedly mailed by XXXX XXXX XXXXXXXX, and I do not have the check and Chase does not have the check. Chase does not seem to have any solutions to finding the missing cashiers check. I have waited almost 5 months and I still don't have my money back. Meanwhile the bank is earning interest on my money every day that they keep the funds from me. There must be some sort of law that protects me. I would like my {$5400.00} to be returned to me immediately. Chase has no financial incentive to find this missing cashiers check since they won't return my funds and they don't care how long I have to wait for it. The Case number with Chase is XXXX and the case number with Bank XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX 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 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 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
Consumer complaint received 2023-10-05
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC (LA)

On XX/XX/2023, Spire Recover Solutions contacted several members of my family to discuss the debt. On XX/XX/2023, they successfully reached my father and discussed the debt. They have been harassing me by means of constant phone calls, messages, and emails. They are using deceptive tactics such as number scrambling software to disguise the phone number they are calling from.
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (MO)

Experian closed yet another complaint without addressing the issue and once again giving explanations that have nothing to do with the problem which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-10-05
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. (FL)

Experian, Please see attached - there's a fraudulent hard credit inquiry on my report that needs to be removed immediately of : EXPERIAN XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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 (TX)

I am writing to file a formal complaint against American Express regarding significant issues I have encountered with an American Express e-Gift card that I received from my employer on XX/XX/XXXX XXXX 

Upon receiving the {$250.00} American Express e-Gift card, I attempted to use it for online purchases at various shopping websites. To my dismay, the card was consistently declined. Perplexed by this issue, I contacted American Express customer support to seek assistance and resolution. 

The customer service representative informed me that the e-Gift card might not work at all merchants, despite American Express 's assertion on their website that it can be used virtually anywhere. Furthermore, I was advised to add the card to a digital wallet such as XXXX XXXX and attempt an in-store transaction. Unfortunately, even after following these instructions, the card continued to be declined, leaving me unable to utilize any funds from the {$250.00} balance.

This ordeal has been both frustrating and inconvenient, and it appears that there may be a systemic issue with the functionality of American Express e-Gift cards. To exacerbate matters, my research online indicates that others have faced similar challenges with American Express e-Gift cards. 

I believe that this situation goes beyond a mere technical glitch and raises concerns about the transparency and accuracy of information provided by American Express regarding the use of their e-Gift cards. The discrepancy between the advertised versatility of the card and its actual limitations is not only misleading but also a disservice to consumers who rely on accurate product information.
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2020-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX {$300.00} limit, paid on this account through out the years before learning my rights pursuant 15 USC 1692g I am the original creditor, my personal information, and account information was sold to XXXX XXXX XXXX XXXX XXXX XXXX without my consent or permission. Capital One has violated as a federally protected consumer under 15 USC 1692 & 15 USC 1681
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (MA)

In XX/XX/2023, I opened a M & T Bank checking account ending in XXXX. On XX/XX/2023 my direct Deposit payroll was deposited in the account. When the account was opened, it was offering a {$200.00} bonus when {$500.00} was directed deposited and I have met the requirement already. According to the M & T Bank Representative, I spoke with on or about XX/XX/2023, the bonus should have been given within 90 days from the date the direct deposit reached the account. 

She advised she would escalate this case to someone for them to review it and give me my bonus. Advised there would be a resolution in 1-2 weeks. On XX/XX/2023, I spoke with XXXX, XXXX and was advised the case is still open and I need to talk to sales to find out the status of this. I am not doing this run around thing like last time, with my M & T Bank mortgage ending in XXXX. I am demanding that M & T Bank pay out my bonus of {$200.00} that I am rightfully owed within 5 business days.. It's passed the 90 day timeframe provided in the offer terms. 

Enclosed : XXXX XXXX Monthly Account Statement
Consumer complaint received 2023-10-05
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. (RI)

THESE ACCOUNT NOT MINE XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (RI)

THESE ACCOUNT NOT MINE XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TN)

I previously submitted a complaint against Citi and their subsidiary XXXX XXXX XXXX regarding the numerous calls I received daily and for more than 7 days in a which is in violation of the FDCPA. XXXX XXXX responded to my previous complaint on XX/XX/XXXX in reference to CPFB case number XXXX. Stating that they called " once or twice per day since XX/XX/XXXX ''. This statement is completely inaccurate and the CFPB closed this case with a response from the company. I would like to request that the CFPB request the phone records of both Citi and XXXX XXXX and this will show their violations or if the CFPB prefers I can provide my records from my XXXX call filter app although it is limited in the time periods it shows. 
The letter from XXXX XXXX also states they have placed a cease and desist regarding 2 accounts. I have more than 2 accounts currently with Citi so this issue has not actually been rectified. I am asking the CFPB to address this complaint and do a thorough investigation of Citi and Client Services and provide the monetary relief that is allowed under the FDCPA.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I contacted Bank of America regarding interest rate changes to my credit card account ending  XXXX. The Credit Card Agreement indicates the initial interest rate was 8.24 % Standard Rate. Bank of America advised there was an interest rate change of 8.49 % on XX/XX/XXXX; 9.24 % on XX/XX/XXXX and 9.49 % on XX/XX/XXXX. Review of the notices received indicates Bank of America did not to send a 45-day Change In Terms Disclosure advising of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX.

A complaint was filed with the CFPB on XX/XX/XXXXrequesting clarification of the Standard Rate ( Fixed Rate?? ) vs the Variable Rate APR verbiage indicated on the Credit Card Agreement. I also requested copies of the Change in Terms ( Interest Rate Change ) Disclosures from XX/XX/XXXX to XX/XX/XXXX. A response was received from Bank of America on XX/XX/XXXX. Bank of America advised interest rate changes to the account were XX/XX/XXXX ( 8.24 % to 8.49 % ) ; XX/XX/XXXX ( 8.49 % to 8.74 ) ; XX/XX/XXXX ( 8.74 % to 8.99 % ) ; XX/XX/XXXX ( 8.99 % to 9.24 % ) ; XX/XX/XXXX ( 9.24 % to 9.49 % ) and XX/XX/XXXX ( 9.49 % to 9.74 % ). Change in Terms Disclosures were provided for review for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( with no interest rate changes ). However, Change in Terms Disclosures WERE NOT provided for review for XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; and XX/XX/XXXX/XX/XX/XXXX.

Although the Creditor provided a response to my complaint and SOME supporting documentation, the documentation provided validates the premise of the initial complaint. 1. Bank of America, failed to provide an explanation of why the Credit Card Agreement identifies the loan as a Standard Rate and the APR is actually a Variable Rate ( it is my understanding a Standard Rate is a Fixed Rate ). 2. Bank of America infers that since the credit card was a Variable Rate APR ( no explanation provided ) they are not required to send Change in Terms Disclosure for the interest rate changes as required by the Card Act of XX/XX/XXXX. Although, Interest Rate Change Disclosures are required by law to be sent within 45 days of the change. The response Bank of America does not address the concerns of the initial complaint and the Creditor has been unresponsive to additional calls regarding the complaint.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

This account was the result of identity theft. I have previously filed a XXXX report and a Police report. Both reports given to creditor. This account has also been disputed with all XXXX credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have tried to apply for a loan, but they denied it since they indicate that there is a social security number, I currently have an ITIN NUMBER, I do not have an SSN. This is mixed information. I have requested and sent TransUnion and XXXX the evidence and my documents, but they still ignore my request.
Consumer complaint received 2023-10-05
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. (NV)

XXXX XXXX XXXX XXXXXXXX inaccurately reporting late/on time payments on my consumer credit report, I received a response this month that XXXX has updated & verified the information which is FALSE & still inaccurate. There is discrepancies with all three credit reporting agencies on the payment history section of the reporting and that shouldve had been updated 60 days ago. I have highlighted the account mentioned including ALL of the inaccurate/false discrepancies on my credit report and I demand that XXXX be removed from my credit report immediately due to the fact that inaccurate information can hurt my chances of being approved for credit right now or in the future and thats a violation of my right to FAIRNESS, 100 % ACCURATE REPORTING and privacy. Account : XXXX XXXX XXXX According to 15 USC 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Provide proof that the company sent out a letter stating when the late payment was 21 days prior to the due date of the late payment, if you fail to provide me with documentation the account must be removed immediately due to violating FCRA federally protected laws
Consumer complaint received 2023-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.