davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (AR)

My name is XXXX, a federally protected consumer, and I am making this complaint against ( National Credit System ) for committing identity theft. I have never given ( National Credit System ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with ( National Credit System ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving ( National Credit System ) any right to collect on this alleged debt. I have never received any documentation requesting validation from ( National Credit System ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( National Credit System ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( National Credit System ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( National Credit System ), continues its collection efforts, I will file for litigation for actual damages caused and, ( National Credit System ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was the victim of identity fraud on XX/XX/2023. The hackers got my phone number transferred them. I immediately, within minutes or an hour, called BofA to report it. I was told to go into a BofA branch. I did this immediately after the hack. I told BofA to stop any transactions and to cancel my credit card immediately ; both to the customer support line and in the branch. I did notice a {$9200.00} cash advance that I did not initiate and made BofA aware of that. I was told everything was taken care of. I have never asked for a cash advance and it was crystal clear this was fraud.

BofA then transferred the money to the hackers, which I say is a level of incompetence that shocked me given the multiple warnings and the unusual nature of the transaction. I assumed that BofA would not transfer the money to the hackers but I was floored to see the {$9200.00} on my XXXX statement and a direct deposit transaction fee of {$270.00}. I, again, went into a branch in XXXX  XXXX ( while on vacation ), to resolve the issue. The BofA fraud department listed it as a fraud claim and the my claim was resolved for the {$9200.00}. I was told the {$270.00} fee would also be refunded. 

But no ... .I get my XXXX statement and the {$270.00} was still there plus a charge of {$1.00} interest. Again, more calls, to resolve it. As of today, my balance is {$0.00}. 

BofA errors : 1. Despite my telling them multiple times, they forwarded money to the hackers. 2. Made me make multiple multiple calls and take time out from my vacation to fix what was an error on BofA part. 3. Encouraging hackers to attack BofA customers due to lack security.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

XXXX XXXX - XXXX XXXX XXXX XXXX I WAS PAYING ON THESE ACCOUNTS UNTILL THEY CLOSED THEM AND REPORTED FALSE INFORMATION TO MY CRDIT NOW SHOWING CLOSED WITH A BALANCE PLS DISPUTE THESE. FALSE INFORMATION WAS PROVIDED UNAUTHORIZED INQUIRIES IVE SPOKEN TO EACH OF THESE COMPANIES TO PLEASE DELETE THESE INQUIRIES THAT I DID NOT GIVE PERMISSION. 




XXXX XXXX  XXXX XXXX XXXX XXXX ALLY FINANCIAL 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 2022-12-08
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: Experian Information Solutions Inc. (NC)

I reached out to Experian to asked that they block fraudulent charges on my credit report pursuant to 605B of the FCRA. The fraudulent charges are from XXXX XXXX XXXX. I explained to the representative at Experian that the company had not provided any documentation to support and validate these fraudulent charges and that they are required to block this information within four days and to let the furnisher know. They refused to do this because they did not have proof of identity. I sent Experian an up to date drivers license and a registration card to prove my identity. They still have not done their job as a bureau to remove these charges. XXXX and XXXX has already verified the information as fraudulent and removed the items immediately. In the beginning there was 6 accounts and out of the 6 Experian only removed 3. Which leaves the last 3 fraudulent items. I ask that the CFPB help me litigate this inconvenience if a matter so that I may begin to start my credit report fresh and without fraudulent activity. Ive attached letters Ive sent and their response to the letter. However, I did not upload my proof of identity because this description may be published. Experian has this information already.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my credit report and found the following items to be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am a Venture X card holder with a {$390.00} annual fee. I pay this fee and prioritize this card for purchases ( over using cash or debit ) because of the rewards and transfer bonuses with partners that are offered. I have transferred miles many times. I have been offered no recourse to my issue below in accessing my miles that have accrued and have never been late on a payment to them, but they will not help with my rightfully acquired miles. 

I have been trying to transfer my XXXX XXXX to take advantage of a transfer bonus with XXXX XXXX for an additional 30 %. I have found a specific deal with one business class leg for 3 people for my dates of XXXXXXXX XXXX XXXX from Washington to XXXXXXXX XXXX XXXX for approx XXXX miles. I am unable to book it due to an issue with capital one that have no workaround for and have had references to in forums dating back to XXXX XXXX XXXX 

After multiple calls, they have no answer for me other than to wait and see if it fixes itself and refuses to move the miles for me after proper identification. Surely there is some protection that I have spent a lot of money on this credit card with the expectation that I can use the points I have accrued. That was in my terms of the card. 

I will now most likely miss out on this business class deal and possibly the bonus transfer if this isnt sorted. There is no path forward capital one has given me after many calls. 

I would like capital one to arrange for reimbursement in miles for the miss of being able to access my own accrued miles or figure out a business class booking for me to remedy. I would also like immediate access to my miles. 

I will be held accountable for my terms but who will remedy the situation for me on the capital one side for this opportunity that has been lost. 
Here is a forum with many people reporting the same https : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

So I work for roots and sprig, I recently tried to change my direct deposit from chase to XXXX XXXX. It bounced for some reason so my job sent me a physical check for {$450.00}. I deposited it XXXX XXXX  at XXXX in my chase account. Next morning it said I had a hold on my deposit and it was under review till the XXXX. I got on the phone with chase customer service and they told me that its under review and the XXXX is worse case scenario. The money was never available and came yesterday the same check left my account in the negatives. I literally just got direct deposit from the same company today and it was diminished because the check I deposited last never went through but was some how credited me when the check amount was never available. So now I need the last check reimbursed and deposited so everything can be rectified. Ive been in contact with both my companys XXXX and chase. XXXX told me about why my check bounce and told me to check with chase and chase only told me to wait till the XXXX. I talked to a representative today and they said I had to talk to my jobs company. I just need this solved so I could tend to my bills asap.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

Having only XXXX credit card in my name, I began researching different reward credit cards to find an offer that was of most value to me. I selected an offer through the XXXX ap for an American Express credit card. The offer was for XXXX XXXX XXXX  as well as a free reward night if I spent {$2000.00} on the card within XXXX months. Upon spending {$2000.00} within XXXX months I contacted American Express to see the status of my free night reward. I communicated with an American Express representative through the chat feature and she explained I would be contacted in a week after researching. I was never contacted and followed up by calling American Express. I spoke with XXXX who is a supervisor and she stated upper management would not be honoring the advertised promotion of the free night. I explained I had proof of the offer and promotion through a screenshot I took during the time I applied for the credit card. I would not have paid and selected a card with a {$95.00} annual fee if I would not be receiving the free night being offered. I believe this is another example of consumer harm. XXXX XXXX has been advocating to end. I would be willing to use my example in showing how credit card companies are harming consumers.
Consumer complaint received 2023-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

Good evening, I was recently informed of the Servicemember Civil Relief Act as it pertains to Louisiana residents and my current auto loan falls under the jurisdiction of this Act. I have the proper documentation and it has already been emailed to you. Thank you for all of your assistance.
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have sent debt validation letters to this company In reference to debt they say I owe. The company has ignored my letters and have yet to validate the debt. Theyve also reported this account twice on my credit report.
Consumer complaint received 2024-04-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (TX)

XXXX intends to collect amounts not owed and sent the account to a collection agency. 
The Consumer has been spending in legal fees to prepare for civil and criminal investigation as applicable, since it is so clear. This comes from certain purchase at XXXX XXXX which was cancelled, and refunded. 

XXXX seems not to know how to read English, and seems that doesn't know that {$2400.00} - {$2400.00} = XXXX and not {$2400.00} XXXX does not validate the supposed debt and attached you will find the validation with their very own statements of account, and the American Express statements of account. 

If they did not send a double refund, to me, they do not have any right to claim a duplicate one. XXXX XXXX refunded once, American Express issued a temporary refund until XXXX refunded, and reversed it after XXXX refunded. 

Attached you will find the validation of no debt and the evidence of XXXX intending to defraud the Consumer, with a general adjustment to the account when they did not pay that amount to any of the 3 other parties ( consumer, XXXX XXXX, AMEX ).
Consumer complaint received 2023-10-05
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: CITIBANK, N.A. (MD)

General issue : Credit card company determined a large charge was fraud but did not remove the charge from my balance. 

This is in regards to a Best Buy Citi Platinum Visa. On XX/XX/2023 I received a fraud warning that originated ( I believe ) with the card issuer 's Consumer Protection Dept. about potential fraudulent charges on my card. I confirmed I did not authorize the charges and had no knowledge about them. They terminated my card and sent me a new one while investigating {$720.00} in charges from XXXX XXXX and XXXX at a hotel in XXXX XXXX, XXXX, while I was in another state. 

On XXXX, XXXX, I received a letter from " Security Operations '' delivered to my Best Buy Visa account that says " We recently spoke to you about suspicious activity that was attempted on your My Best Buy Visa Platinum. We have good news! After completing our investigation, the attempted authorization ( s ) have been determined not to be yours and have been declined. None of these charge ( s ) have posted to your account. '' I then activated the new card they sent me. 

On XXXX XXXX, I checked the card balance and the {$720.00} in fraudulent charges were posted to the account as due by XXXX XXXX. I called the customer service number and they were unable to explain the discrepancy and, after a long interval, transferred me to the Security Operations Department. I spoke with " XXXX '' who gave me an employee number of XXXX ( she would not tell me her full name ), and described the Security Operations as a " middleman '' working on my behalf to address my concerns. She said it was now necessary to launch an entirely new investigation that will take 90 days -- despite the fact that the Security Operations Department had already completed the first investigation and determined the charges to be fraudulent. I asked her repeatedly what had gone wrong and she would not respond with an answer. 

The first investigation has already determined these charges to be fraud within XXXX  days. Why is their procedure to launch a lengthy repeat investigation when they have already determined this to be fraud? In the meantime, the charges remain on my account.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

Cards opened in my name fraudulently. Not my cards request they be closed and removed from my credit report. Use of my credit card that was unauthorized and maxed out my card. Online purchases from my checking account not made by me. My identity has been stolen and fraudulent activity is happening using my social security number and name and date of birth.
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: Experian Information Solutions Inc. (FL)

I, XXXX XXXX, of XXXX XXXX, IN Florida, XXXX XXXX  XXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies XXXX Account number # XXXX, XXXX XXXX  XXXX account number # XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7. As mentioned in the 15 U.S. Code 692f Unfair practices 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, and XXXX continue to report inaccurate information. The account listed XXXX Account # : XXXX has several inaccuracies which means this account has not been properly validated and verification can not be provided. This is a violation of my consumer protection rights under FCRA. 


Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (UT)

Beginning on XX/XX/2024 I tried to transfer the balance of my funds held in a PNC High Yield Savings Account into my personal XXXX XXXX  checking account which was already linked to this PNC account. The total balance of my account was {$78000.00}. An external transfer limit was placed on my account so that I could only withdraw {$25000.00} per month. I spent nearly 8 hours on the phone with various departments extending over a week. I was told on XXXX that a manager " XXXX '' was raising these limits so that I could transfer the remaining balance from PNC to XXXX XXXX  however this never occurred and the manager never contacted me as promised. I was told by XXXX XXXX in Executive Client Relations that a check was being XXXX XXXX XXXX to me on XXXX. To date the check has not been mailed to me, nor has it arrived at a XXXX  XXXX facility per the XXXX  XXXX tracking website. I called PNC bank Executive Client Relations team this morning XXXX and sent multiple emails to XXXX XXXX and XXXX XXXX and have not gotten a response. I was told when calling that there was no manager available to speak to me for many hours and that they would submit a request. I told this representative I was left with no choice but to start contacting regulatory agencies to intervene, yet still PNC bank has failed to provide me with access to my own funds totaling over {$53000.00}.