davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-09
Product: Credit card or prepaid 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 (AZ)

On XX/XX/2019 and on XX/XX/2019 American Express is in violation of : the Privacy Act, the Banking Act, The Federal Consumer Credit Protection Act, the Fair and Accurate Credit Transactions Act, Federal Trade Commission Act, Health Insurance Portability and Accountability Act, by not sticking to the agreement of the credit limit of {$5000.00} and {$1000.00} in cash advance they discriminated against my father XXXX XXXX by discriminating against his age and XXXX and made fraudulent claims that they based their decision on with lowering his credit limit. The letter they sent claims that the balance was too high and that his credit history was bad and made many other false claims that his credit report clearly shows they are committing fraud discrimination and perjury. They are trying to force my father to disclose additional private information and holding his right of appeal to this discriminatory and retaliatory change hostage for this private information. They also have refused to lower the APR on the current credit balance, and have made claims that they can not lower it or even look into it. I demand a formal investigation into this criminal activity that is clearly a violation of the law. This is involving American Express Account ending in XXXX.
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/XXXX the car was purchased. On XX/XX/XXXX the first payment was made. On XX/XX/XXXX was the first payment due. A total of 16 payments have been made. The next payment should be due XX/XX/XXXX. I have attached the evidence showing the original date due for XX/XX/XXXX. After I requested the revisement they sent me a new payment due of XX/XX/XXXX which also has been attached. I have attached both the original date and the adjusted date both are incorrect. The correct date should be XX/XX/XXXX. So two payments are missing after adjusted request.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Diversified Consultants, Inc. (TX)

Received email from XXXX XXXX in regards of an Collection. Upon checking, this collection started XX/XX/2019 by diverfsified consultnts, based in XXXX Florida XXXX. XXXX. Collection remarks claims I owe {$320.00} from XXXX XXXX XXXX XXXX. Contact info following : DIVERSIFIED CONSULTNTS. XXXX XXXX XXXX XXXXXXXX. XXXX, FL XXXX XXXX. ( XXXX ) XXXX-XXXX. You get no response from calling the listed number on collection claim. When call a different number associated with DIVERSIFIED CONSULTNTS, I get same no response. My credit score is now negatively affected by XXXX XXXX collection error.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, 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. (WV)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

I`m disputing these account below because I can not get no answer or response from the creditor. I `m asking for assistance in resolving this matter as quick as possible. I know according to credit laws, you must report any and all accurate information on my credit report and if there are any inaccurate information, then it could be subject to violation, which can result into a small claim suit. Please see the accounts below and the reasons for me disputing this information. 

WF Card-account # XXXX-this account is in violation of the credit reporting act & has passed the 4 year of Statute of Limitations reporting for the state of Texas. In addition, this account was sent to the IRS as a 1099-C, Cancellation of Debt. Which IRS was accepted and reported this debt as income, which is a 6 year old debt? The violation of this debt is the creditor is still reporting the amount of XXXX as valid debt and still trying to collect, and the balance was updated XX/XX//2019 showing this is a current debt for 2019, which is inaccurate because the balance as not changed and this debt was sent to IRS. This debt is reporting as a recent date of XX/XX//2019 and has passed the 4-year statute of limitations. Based on this inaccurate information this is a violation of CFPB and FDCPA SECTION 809 ( B ) FTC and this account need to be deleted.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I WAS THE VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED FTC REPORT AND LETTER TO FURNISHERS RE : CAPITAL ONE SPARK CARD THANK YOU XXXX XXXX XXXX
Consumer complaint received 2019-07-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (WI)

In early XXXX, I received an offer from Chase Bank. The offer stated that if I opened a checking and savings account with Chase, I could earn up to {$600.00} in bonuses subject to ( 1 ) setting up a direct deposit ( 2 ) transferring in {$15000.00}. 

On XX/XX/XXXX, I set up a direct deposit into the account. At the same time, I set up a transfer of {$15000.00} into the account. 

The terms of the account stated that there would be fees in the savings account but gave several options to avoid the fees. One of the options was to have at least one repeating automatic transfer of {$25.00} or more from your Chase personal checking account. So I set up this transaction, as long as a transfer of {$25.00} from an external account to my checking account and a {$25.00} back from the savings account to my external account since I did not wish to hold any more money in the account than necessary so as to not get fees. 

To avoid fees in the checking account, I set up a {$500.00} direct deposit from my paycheck. I also set up a recurring {$500.00} to my external account to withdraw the funds at regular intervals. 

After setting up these transactions, I was immediately contacted by Chases fraud prevention team. They asked me to verify that I had set up these transactions, which I did. They then said they were freezing my account and locking my ability to perform ACH transfers into and out of the account. 

Later that night I tried to log in to see the status of my account and was locked out. When I contacted customer service they stated that they were closing my checking and savings accounts as they no longer wanted to do business with me as they were worried about fraud. I could not get any additional information from them. 

I was worried about my credit card ( also with Chase ). They said that after 10 business days I could call back and that Chase would restore online access to my account so that I could view my credit card online. I called back today ( XX/XX/XXXX ). However, they have decided to never allow me online access to my account. I was able to pay my credit card over the phone and they signed me up for paper statements. However, this is a clearly unacceptable way to do business in todays day and age. I have no immediate access to any of my credit card information.
Consumer complaint received 2019-07-09
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: U.S. BANCORP (CA)

I AM VICTIM OF AN IDENTITY THEFT AND FOR OVER 6 MONTHS I HAVE BEEN TRYING TO HAVE XXXX TO REMOVE THE FRAUDULENT 2 ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT I AM NOT REALLY SURE HOW ELSE TO PROVE THAT I AM VICTIM OF AN IDENTITY THEFT. I FELL LIKE AT THIS POINT XXXX IS DISCRIMINATING AGAINST ME. I HAVE SENT THEM A POLICE REPORT, IDENTITY THEFT REPORT. NOTARIZED DOCUMENTS AND FOR 6 MONTHS THEY HAVE NOT DONE ANYTHING. THE SAME ACCOUNTS WERE REMOVED FROM XXXX AND XXXX XXXX. SOMEONE STOLE MY INFORMATION, PRETENDED TO BE ME AND OPENED ACCOUNTS FRAUDULENTLY, NOW I HAVE BEEN BEGGING XXXX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I HAVE ALSO REACHED OUT TO XXXX XXXX   XXXX AND TO US BANK LINE OF CRED, THEY BOTH CONFIRM THAT XXXX HAS NOT SUBMITTED ANYTHING TO THEM. NOW I FEEL LIKE XXXX HAS SOMETHING TO DO WITH THE FRAUDULENT PERSON THATS WHY THEY ARE NOT REMOVING THE ACCOUNTS, ITS BEEN 6 MONTHS.
Consumer complaint received 2018-05-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

XXXX XXXX is not reporting my payments im making on my loan, to the credit reporting agencys, they have not corrected my credit report, that i have been paying on time and i am not delinquite on my loan. They are still showing me delinquite and, when i contacted them, they told me that they dont have to report anything
Consumer complaint received 2022-12-15
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2019-07-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Date : XX/XX/2019. Complainant has communicated to several Federal and State Agencies, to address an Issue involving a National Bank - Bank of America informing a Customer of approximately 2yrs, that he could relocate with-in the U.S. with-out Closing and Re-opening his basic Checking Account. The Original Bank Account was opened with Bank of America, Manager XXXX XXXX, XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) Washington, D.C. XXXX, ( XXXX ) XXXX and this Complainant traveled to Bank of America, XXXX XXXX XXXX, XXXX, Texas, XXXX. 
he met with Mr. XXXX XXXX, and Mr. XXXX XXXX, Relationship Mgr. Also obtained a U.S. Post Office address, which has issues, with proper delivery service, at this time. ( At nearby location at XXXX XXXX XXXX, XXXX, Texas XXXX. ) Complainant is being disrespected by the Bank of America, Employees at several locations, concerning his U.S. Social Security Administration benefits, for a XXXX XXXX Injury, which was Diagnosed during the President William Jefferson Clinton Administration, in XXXX, Ohio to last a lifetime. 
And Re-Evaluated in Washington, D.C. shortly after his XXXX XXXX XXXX, in a Homeless Shelter. 
> Detailed Federal Agency Formal Responses : ( Not a Complete List ) Date : XX/XX/XXXX, and XX/XX/XXXX2019 : Email : Congresswoman XXXX XXXX reporting Former Spouse, and Ex-wife XXXX XXXX XXXX, attempt to stop beneifts, housing discrimination, and other matters.. 
Date : XX/XX/2019 - Email : CFPB <XX/XX/XXXX> Ref. XXXX. ( Detailed Narrative and Complainant. ). 
Date : XX/XX/2019 - Email : XXXX. 
Ref. # XXXX. ( Successfully submitted Online Complaint. ) Date : XX/XX/2019 - Email : XXXX. Office of the Attorney General ( N.C. ) Detailed Narrative and Complainant ) Date : XX/XX/2019 - Email : Office of the Attorney General. 
XXXX XXXX. ( Formal Complaint on XXXX XXXX, and her staff. ) Date : XX/XX/2019. U.S. Social Security Admin. Direct Deposit sent to, Bank of America. ( {$XXXX} ) Approx. 
Date : XX/XX/2019- Email : CFPB < XX/XX/XXXX> Ref. # XXXX. ( The Company has Responded to your Complaint. ) > Complainant unable to view, the Company Response Online. 
Date : XX/XX/2019. Met with U.S. XXXX XXXX Office, Senior Staffer XXXX XXXX, unsuccessful, based on Discrimination. 
( Race, Sex, Family, National Origin ) Date : XX/XX/2019. U.S. Social Security Admin. Direct Deposit sent to, Bank of America. ( {$XXXX} ) Approx. 
Date : XX/XX/2019 Met with U.S. Rep. XXXX XXXX, on XXXX XXXX, provided staff business card. 
Date : XX/XX/2019. Visit to Bank of America, XXXX XXXX XXXX, XXXX, Texas. XXXX, met with XXXX XXXX XXXX, refused to allow Telephone Call to Customer Service, and XXXX XXXX, ( D.C. ) Unavailiable. 
Complainant used their Telephone to Notify the XXXX Police Department. 

Please Email Response : XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Advantage Credit, Inc. (OR)

On or about XX/XX/2024 my daughter and I called financial institution to find out why it was a charge off on my report. We were transferred to the fraud department and were told it was indeed fraud and they would send a letter to me explaining I was not liable and also they were to have it removed from my report. XXXX week later no letter. After numerous phone calls to same person as before i received a call from him on XX/XX/2024 saying he would resend it out and to this day still have not received a letter and it is still appearing on my report.
Consumer complaint received 2022-12-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (FL)

I pulled my credit report and noticed that I had XXXX XXXX a debt collector with that attempt to collect a debt for the amount that was not owed. I did ask for them to provide the original contract evidence or proof of the alleged debt that, including dates its as well as contracts or instrument bearing my signature. I have not received anything from them
Consumer complaint received 2019-07-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (OR)

Hello, I purchased an auto through Santander Consumer USA in XXXX. I put down {$8000.00} and made regular on-time payments until it was paid in full this year, in XXXX. My husband was joint with me on the account. Santander reported our good payment history accurately for 5.5 years. One day the account was just missing from our reports. Initially I called the credit bureaus, they told me it was " In the background '' and all Santander Consumer USA had to do was give them a call, and have them " re-insert '' the information. I have called in and spoke to Santander Consumer USA at least 4 times. One time the representative laughed at me and told me they were not going to report. I sent at least 3 certified letters to them including copies of each my payment history, my statement showing a XXXX balance, as well as my credit report showing it missing, along with requests to report accurately. They refuse to correct the situation! Or even respond to my last letter, that included the credit report, that they told me to provide! NOW I am concerned my credit report information will be used inappropriately by one of their employees, given the unprofessional treatment they have shown me so far. I am at my witt 's end with them. It was a high interest loan, and I feel very taken advantage of by this company!! I believe Santander Consumer USA is violating the Fair Credit Reporting Act, and should have to pay the fine for doing so, as well as damages to my husband and I.
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Medical Data Systems, Inc. (SC)

I downloaded the XXXX XXXX app to get started on my future and see what all i needed to get to start my future and noticed my credit score was low. I looked and noticed a charge id never been aware of and a price id never seen before, {$860.00} to XXXX XXXX. Id not Received anything in my hand or mailbox saying that i was being charged this amount. I received 1 bill from XXXX XXXX. days after trying to resolve the situation. I called my medical provider and they told me nobody tried to file to bill them for this even tho they are my primary health care provider.
Consumer complaint received 2024-04-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Triton Recovery Group (MO)

I entered a payment arrangement for XXXX XXXX company thru a collection agency named Triton Recovery. I was paying {$300.00} weekly and towards the end of my agreement I feel behind on the last two payments of the agreement due to hardship of the agreement. I was contact by one of their agents via email and via phone, she was not very nice about the situation and basically was trying to force a payment. So I agreed to pay {$750.00} the next day to avoid paying another {$4000.00} that I could not afford. I requested a payoff letter for the {$750.00} paid off for the loan and did not get a payoff letter. Recently they have been calling me about defaulting on the loan which is not correct. I responded to the voicemails by calling their number, but they did not respond to me.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Mailed certified letters to all 3 companies on asking for a proper investigation and to provide me a copy of my original signed contract for the accounts that are in collections. Ive also ask that they remove any wrong spelling of my names and addresses Ive never resided.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2019-07-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am filing a complaint against Equifax with the Consumer Financial Protection Bureau ( CFPB ) regarding their failure to respond to my dispute. 
On XXXX, I mailed a dispute letter to Equifax via USPS with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The letter was picked up on XX/XX/XXXX. However, to date, I have not received any response from Equifax regarding my dispute. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus such as Equifax are required to investigate consumer disputes within 30 days and provide a response. Equifax 's failure to respond to my dispute within the mandated timeframe constitutes a violation of the FCRA.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2019-07-09
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 — Was not notified of investigation status or results
Company: AmeriCollect (FL)

Americollect INC # XXXX is reporting a debt I do not owe. I was not informed of my 30 day right to dispute nor have they provided any proof that this account belongs to me or that the debt is valid. I would like this account to be removed off of my credit.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

I have called and sent letters asking to remove incorrect addresses from my credit report and they refuse. I sent current address documentation. 

XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX # XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, MO XXXX