davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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: DISCOVER BANK (IN)

Discover recharging me on a credit that XXXX has given to me I have tried to fix this with XXXX several times the last statement I have for them trying to rectify the charge for {$2200.00}. So each debit has a credit as of my statement on XX/XX/XXXX through XX/XX/XXXX. I had filed a dispute trying to get discovered to realize they had not posted the credit they had been given the information and failed to do so. So after my dispute and I had my credit again, they recharged me. So, even though XXXX has provided information that they have given back, the monies discover has not given me my credit on each of them I want my money! 

Now I filed a complaint, not receiving monies, and discover executive office advocacy, XXXX, stated that it was returned on my gift card balance. I have printed out all 72 transactions clearly it was not credited back and Im pretty sure discover knows that. 

There is not a gift card, credit refund in that amount and discovered did not provide a copy of the gift card details. 

Discover has again charged me on a statement, XX/XX/XXXX through XX/XX/XXXX {$2100.00}. So again they are charging me even though Ive been given these credits by XXXX. I am now missing two credits. Each merchant has their property back. I spent a lot of time on XX/XX/XXXX with XXXX going over my credits. 

Im not sure how discover can continue to charge me when I received a letter XX/XX/XXXX that my account would be closed in 14 days. If I did not give them a variety of information copies of all my ID IDs, i.e. drivers license/passport, three months worth of all of my banking statements, notarized, and access to my tax returns. I had made my payment in XX/XX/XXXX and yet I was not permitted access to my card that had a {$6000.00} limit which they changed to {$3400.00} At this point, I am missing both credits one from XX/XX/XXXX and the other credit from XX/XX/XXXX. The total now is {$4300.00}.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Opportunity Financial, LLC (IL)

Denied XXXX times for apartment rentals for credit. I file XXXX XX/XX/2023. XXXX XXXX ( loan company appears XXXX times on my report when it's the same loan that I file in XXXX. This account should appear one time. I will like them remove from my XXXX account
Consumer complaint received 2019-09-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (VA)

On XX/XX/2019, a fraudulent transaction of {$540.00} was made from my checking account. The transaction was made to XXXX. I called XXXX the same day, and they said my debit card had been used. I did not use my debit card. The withdrawal had not been made through my XXXX account, but from someone else 's XXXX account who had fraudulently used my debit card information. My debit card had not been stolen, and I still have it. Someone apparently used my debit card info to make a XXXX transaction. The person 's name is XXXX or XXXX XXXX. I reported the fraudulent transaction online to my bank as well, which is Ally Bank. They immediately closed my debit card and issued a new one. It is XX/XX/XXXX, and Ally Bank has not given me a credit or provisional credit for the money stolen for me as required by Regulation E. XXXX told me that they reversed my transaction on XX/XX/XXXX and sent the money back to Ally Bank. I just received a letter today, XX/XX/XXXX, from Ally. The letter is dated XX/XX/XXXX. The letter states that " the disputed transaction was processed through a third party payment processor, XXXX. Therefore, the transaction is considered a merchant dispute and provisional credit is not provided, '' which I presume means they believe the transaction is not governed by Regulation E. I read this letter to XXXX, and they stated the judgement in this letter is incorrect. This is not a merchant dispute, and the transaction was a fraudulent transaction governed by Regulation E. It would only be a merchant dispute if I authorized the transaction. As I didn't authorize the transaction, it's not a merchant dispute, and is governed by Regulation E. Ally Bank knew or should have known that this was a fraudulent transaction because I told them on XX/XX/XXXX that it was. The fact that they immediately closed and mailed me a new debit card indicated that this was their understanding as well. I do not understand then why they are stating this is a merchant dispute, and why I don't have a provisional credit. I also don't understand why the {$540.00} is not back in my account if XXXX reversed the charge on XX/XX/XXXX. I called Ally Bank, and the agent said he did not see evidence of the money being sent back to them by XXXX on XX/XX/XXXX. He stated that he was forwarding a request to the Executive team, and I would receive a response in about 4 business days. Ally Bank is not in compliance with Regulation E, and the money should be back in my account.
Consumer complaint received 2024-02-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SCS Credit Corporation (IN)

I dont even have a clue what car company or what car this is. Apparently this happened in between XXXX and XXXX. I asked her for the original forms and the original agreement. They can not provide it. Judgment letters didnt even get sent to my address. I got an email saying that my wages would be garnished. I had no clue even had court for this. I am absolutely terrified. I am a mother of XXXX with a daughter going to XXXX and I take care of my brother with XXXX XXXX XXXX XXXX the only income that I make is taken care of and that Ive been able to keep my house and they are threatening to garnish my wages. Im furious and terrified.
Consumer complaint received 2017-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX. sued me in XX/XX/XXXX for a XX/XX/XXXXBusiness Card that was in dispute ( XXXX XXXX XXXX XXXX ). The case was dismissed as I requested Arbitration and XXXX refused to arbitrate. Back in XX/XX/XXXX, Month after month, and sent many letters, disputing the fees charged by XXXX XXXX XXXX XXXX, as they grossly misrepresented the facts surrounding the Card usage and was told they would reverse the charges which were approximately {$900.00}.
The company went out of business, however, XXXX XXXX XXXX purchased the writeoffs.
The chargeoff was reported to my credit bureau XX/XX/XXXX according to a recent report pulled in XX/XX/XXXX.
The last payment made to XXXX XXXX was in or around XX/XX/XXXX as I had dissolved the business. The balance was the disputed fees that were to be reversed.
I disputed the account with my credit reports, however, XXXX  verified saying it remains. XXXX is also reporting the amount of {$2300.00} and saying that it was opened XX/XX/XXXX.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (TN)

The is a debt collection company by the name of XXXX XXXX XXXX XXXX who parked multiple alleged debts on my consumer report without ever contacting or notifying me. I, XXXX XXXX, do not know where this debt came from. This company is damaging my reputation a violation of 15 USC 1692d ( 1 ). The debt collector is outside of compliance with the FDCPA. I did not receive any form of communication regarding this alleged debt, and I was not given the opportunity to dispute this alleged debt. I was not given any disclosures regarding this debt. They have violated my rights because I am aware that this company is not licensed to collect in Florida or Tennessee. This is deceptive and abusive behavior. This company is violating privacy rights and is potentially committing fraud per 18 USC 1001 for reporting unvalidated debt.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (IL)

XXXX  by XXXX  have broken some Laws! 

They have a history of mislead sales practices. They just concluded a class action lawsuit of which they were sued for the same thing that happened to me. I was mislead about membership, points, bonuses, etc about this timeshare. I contacted owner support services and they did nothing about it. I have reported you all to the XXXX, and you all have many complaints from hundreds of timeshare owners. https : XXXX XXXX law you all broke is : Sum of all charges USC 1605 . The sum of all charges are supposed to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these..None of these were included in this agreement I signed. I, as the consumer am entitled to receive cash in hand since the timeshare was already legally paid for. Since I never received any transaction from XXXX by XXXX, this contract legally has to be terminated and all the money I spent needs to be refunded back to me plus the finance charge. 

XXXX law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me or my fiance.. You all charged her and me a late payment, which is a violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report ( which it did ) .Per law, a creditor can not under law report LATE PAYMENTS TO THE CREDIT BUREAUS. Timeshares expect consumers to follow the law or we get persecuted, the same goes for this business! 

XXXX. Per Us Law according to 15 us 1692c. We did not give permission for XXXX  by XXXX and the finance company ( XXXX XXXX ) to harass me and my fiance and threaten us everyday all day. We were getting harassed early in the morning and late at night which is ILLEGAL. We were stressed out, afraid and were very emotionally distressed of these calls! XXXX is not allowed to send cards or threatening letters to us. Per us 1635, I have a right to rescind!!!! 

XXXX. Me and my fiance experienced discrimination from XXXX by XXXX. Every price by law has to be exactly the same. Someone could have paid less for this timeshare than me and my fiance would have paid. We were unfairly discriminated against by your reps!!! This is a title violation per 15 Us 13!!! 

I have attached some paperwork that I advise you to view very carefully. A rep for me has sent the cease and desist form for you all, a dispute letter as well as stopping payments. I have more paperwork to send. The images are a little dark but I made sure you all can view them and I have a notarary signature
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Dear CFPB, I am writing to file a complaint against Chase Bank for closing my credit card account ending in XXXX without a valid reason. I have been a loyal customer of Chase Bank for over 10 years and I have always paid my bills on time and maintained a good credit score. 
On XX/XX/year>, I received a letter from Chase Bank stating that they have closed my account effective immediately. The letter said that their decision was due to recent activity reflecting a pattern of abuse, as provided under the terms of the Cardmember Agreement. However, the letter did not specify what kind of activity or abuse they were referring to. I called Chase Banks customer service to ask for an explanation, but they refused to give me any details or reinstate my account. 
I believe that Chase Banks action was unfair, arbitrary, and discriminatory. They violated my rights as a consumer and damaged my credit history. I request that the CFPB investigate this matter and help me restore my account and credit reputation. I also request that Chase Bank provide me with a written apology and compensation for any losses or damages I may have suffered as a result of their action.

I have attached a copy of the letter I received from Chase Bank and my credit card statements for the past six months as evidence of my complaint. Please contact me if you need any additional information or documentation. 
Thank you for your attention and assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I made a reservation using XXXX for XXXX XXXX in XXXX XXXX. Upon arrival, XXXX XXXX could not locate my reservation. I contacted XXXX. XXXX insisted my reservation existed. XXXX XXXX checked all of their systems and sister properties and could not locate a reservation under any confirmation codes or numbers that I received from XXXX. XXXX refused to issue a refund. I filed a dispute with Chase for the prepaid XXXX reservation. The dispute was denied despite XXXX not providing the reservation service or a refund.
Consumer complaint received 2019-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (AR)

On XX/XX/2019 I received notification regarding an alert for a change appearing on credit report. Upon checking my report I noticed a collection account fro. Midwest Recovery Systems. The account lists XXXX XXXX XXXX XXXX XXXX as the creditor with an amount of {$680.00}. I've yet to and received as per their Fair Debt Collection Act section 809 which states the consumer must receive notification of the debt within 5 days of the agency whom acquired the debt. Midwest Recovery has clearly violated the Fair Debt Collection Practice Act as well as my consumer rights. I have also sent Midwest Recovery Systems an affidavit of denial XXXX Not verification ) because this debt never belonged to me. MIDWEST RECOVERY HAS not responded and it has been over 30 days since this account has been reporting on my credit report. I recently was denied credit due to this inaccurate information which is totally unacceptable.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NC)

In XXXX of 2023, I mailed a payment to AMEx from my bank the way I had been doing for years. It was returned and I later found out that they had changed to mailing address. Since I was no longer using the card, I asked for the balance on my account and simultaneously closed the account. Since that time, AMEX has been erroneously charging me additional interest and late fees. I have tried to dispute this and keep getting the run around and they say they will contact me and they never do. Please help.
Consumer complaint received 2024-02-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (FL)

I found out about this fraudulent credit card from a report by XXXX. XXXX who is a company trying to help me with a few fraudulent problems I'm having, saw it first and reported it to me. The credit card was taken out at a Truist bank in XXXX, NC. in late XX/XX/year> for {$10000.00}. 
It was obtained by using a fraudulent Drivers license in my name and my social security number. The address given by the criminal applicant was XXXX XXXX XXXX. XXXX, FL XXXX. A fake phone given was XXXX. 
How do they get away with this???? 
I went to a local Truist bank and a fraud claim was filed XXXX XXXX XXXX by their fraud team. 
phone # XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :
Consumer complaint received 2023-05-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION (OK)

On XX/XX/XXXX Oportun called me 3 times to ask me to refinance my loan as a preferred/special customer. I agreed, but informed them I would have to unfreeze my 3 credit bureau accounts. On XX/XX/XXXX I spoke to an XXXX who was walking thru the procedures to do the refinance, when she tired to put me on hold, we were disconnected. I called back and spoke to an XXXX, he tried to be very helpful. We went step by step to make sure we had all the information that was needed. I expressed deep concern as Oportun failed to have my correct phone number, and incorrectly stated they could not verify I am me and my income. XXXX assured me all was correct. We spoke twice. Then XX/XX/XXXX at XXXX XXXX  XXXX a person called from the escalation complaint department apologizing fro previous issues and said all my paperwork was/is in order. Someone would call with the final numbers. Nobody ever called. I called on XX/XX/XXXX, spoke to an XXXX who could answer nothing and hung up on me. Then I spoke to another person who said his name so fast I did not catch it. He just read a computer screen and answered nothing. Bottom line, we are now at XX/XX/XXXX and nobody has called, no paperwork has been sent.
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

Submit through the CFPB To Whom it may concern I have recently review a copy of my consumer report and have noticed that there is a collection furnish on my report that I know nothing about, nor am I sure that it is even my debt. The misinformation being furnished to my consumer report is negatively effecting my credit worthiness and may have substancial financial consquences for me and my future The debt being furnished on my consumer report reads as followed SW CRDT SYS ( Original Creditor : XXXX XXXX ) Account # : XXXX According to the Federal Laws governing debt collection and Credit Reporting FDCPA and the FCRA you have violated my consumer rights under the following 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 12 CFR 1006.34 ( d ) 15 USC 1681s-2 ( a ) Debt collectors are required to abide by these strict guidelines inorder to ensure the accurancy of the debts that they report and providing verification of the debt upon the request from a consumer I XXXX XXXX am formely requesting the following actions to be taken in regards to the incorrect debt being furnished on my consumer report XXXX - Provide me with detailed information about the ownership of the debt in question to include the account number, original creditor, and all documentation related to this debt to include your forward flow agreement between your company and the original creditor XXXX - Cease any and all collection activities in relation to this debt until the validation process is complete XXXX - Investigate the source of the error and promptly update my consumer report with the 100 % accurate information XXXX - Confirm in writing that this debt has been removed from my consumer report and that there will no longer be any attempts to collect on this debt I am urging your agency to comply with the above requested actions as it is mandated by Federal Law. So please do so inorder to prevent any potential legal consequences for non compliance.