davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
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. (TX)

I cancelled my Experian account. Afterward they charged me for the next month. The amount was XXXX. After interminable attempts on their deliberately difficult to contact systems I finally got to a human being who arranged a refund. On XX/XX/XXXX of this year they charged me the same amount again. After an hour of contact attempts and being transferred to different people 3 times I am told I dont have an account and Experian cant help me. At this point I want to charge than with criminal theft. I also want my money back and I want them to stop charging me. I want compensation for this torture.
Consumer complaint received 2021-07-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (IL)

I started a cryptocurrency account with Binance.US in XXXX making an ACH transfer for XXXX dollars total. My bank rejected the transfer causing a chargeback. I immediately fixed the chargeback adding XXXX dollars via debit and XXXX via XXXX making my balance XXXX dollars. Binance XXXX my account and is now holding my assets. I have been trying to access my assets for 2-3 months now but there is no support number. I emailed binance but they refuse to restore access to my account saying yes my chargeback back were paid but they cant allow me to withdraw or trade my assets unless i send them my bank statement, Account Number, Driver License My account is fully verified and i dont owe them any money. Giving them my Bank statement, account number, driver license make me vulnerable to Identify Theft. If my account is paid no chargebacks owed and i went through the verification process why are my assets inaccessible?
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NC)

I have been a GOOD customer of American Express for 30 years. I have a good credit rating and yet I am being charged a 22.49 % Apr. I have spoken with several very nice, understanding people at American Express and no one knows why I am paying so much in interest. I am XXXX years old and have an income of {$850.00} a month and I have a mortgage to pay. I just upgraded to another XXXX  card and am shocked to realize I must now pay an annual fee of {$95.00} ( there is NO senior discount ) and this outrageous interest rate. Perhaps if the CEO wasn't paid such an outlandishly high salary I wouldn't have to pay such high fees. I am no longer willing to recommend XXXX to anyone and am saddened at the way American Express doesn't appreciate my business or loyalty. I really feel I shouldn't be charged for an annual card or such a high interest rate. 
XXXX XXXX XXXX
Consumer complaint received 2020-02-26
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: Experian Information Solutions Inc. (MD)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job. 

Please investigate the following : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXInaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXInaccurate I am asking that your agency remove the below-listed inquiries as I did not authorize it. The company did not notify me until after this was already done. I also know that the FCRA states that the only purposes for pulling it in someones credit report are : a firm offer of credit, insurance, court order or employment. 

Inquiries : XXXX/XXXX  | XXXXN/AInaccurate XXXX/XXXX | XX/XX/XXXXN/AInaccurate XXXX/XXXX  | XXXXN/AInaccurate   XXXX XXXX | XXXXN/AInaccurate  XXXX XXXX | XXXXN/AInaccurate  XXXX XXXXXXXX XXXX  | XXXXN/AInaccurate   XXXX  | XX/XX/XXXXN/AInaccurate  XXXX  | XXXXN/AInaccurate  XXXX/XXXX | XX/XX/XXXXN/AInaccurate   XXXX  | XX/XX/XXXXN/AInaccurate  Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. 

I would really appreciate your help with this matter. I hope to hear from you soon.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/2019 I went for complimentary visit to XXXX XXXX XXXX in XXXX, Florida. I decided against treatment and am now receiving bills from CareCredit ( Synchrony Bank ). 

I called CareCredit on XXXX XXXX. They told me they will file a fraud claim investigation. 

Bottom line, I was told that this was a Complimentary Visit. And was told nothing about CareCredit. I did not apply for a CareCredit card. I dont have this kind of card.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

DISCOVER BANK has refused to comply with my opt out notice sent over one month ago. 

They are reporting a charged-off account. 
This charge-off is a certificate of indebtedness. According to IRS publications, as well as 15 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted. 

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce. 

CFPB can you BLINK IF YOU CAN HEAR ME PLEASE?!!! I have reached out so many times lol
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have been a loyal and long time customer of Capital One for years. The tools for my business were stolen and my financial situation turned upside overnight. It has taken me a long time to recover from that loss of income. 

Long story short. I entered into several payment arrangements over the last year to make sure I did not lose my credit card. Here I am thinking everything is getting back on track. They gave me the dates and amounts and I agreed. However when these amounts were given for example if I was only {$150.00} over my limit they would say {$400.00} was owing. I would always pay the arrangement until I was no longer in the red and back to under my credit limit. 

I JUST found out on XX/XX/2020 that all those payments I had been making the Capital One representatives were not calculating the statement generation date so even though I was making payments I was still falling behind because of the miscalculation. 

It was a Capital One representative that brought this to my attention. I only found out because I tried making a payment online and their system wouldnt let me. Do you want my payments or not? 

I am now below my credit limit so I should actually have available credit. Instead I found out they are saying I owe them {$460.00} by XX/XX/2020 ( the amounts I allegedly owe keep changing, one minute its {$330.00} then another its {$460.00} and then I still dont get my card back until there has been 3 months of on time payments. I made my payments and it was their representatives miscalculations and they refuse to admit their mistake and resolve the issue including releasing my card even though they admitted they have the power to do so right now. I even have screenshots showing no payment due. 

If any money was owing it would reflect on my unpaid balance and there is NO money owing!
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Please refer the complaint # XXXX dated XX/XX/XXXX. 
On or about XXXX XX/XX/XXXX, I received the letter from Chase that they are closing my account ending in XXXX. I have no idea why they did that as this card was very active with the transactions as current as this week. I always made on-time payment. I am having credit score of XXXX. Never missed any payments or delay payment. Very little debt ( mortgage on rental property ). 
Letter states that account is closed due to : Too many requests for credit or reviews of credit This account and/or related account was closed at the banks request. 

I some how feel differently. I strongly feel that chase is doing it deliberately as I had reached out to CFPB in the past about Chase. Please refer another CFPB complaint XXXX on XX/XX/XXXX. 

Called Chase and had around 30 minutes of discussion about the same on XXXX XX/XX/XXXX. First with XXXX and customer Service ( XXXX, TX ) According to XXXX, within 12 months - 4 credit card accounts are opened by me plus my another chase account ( XXXX ) which was closed by Chase are the two reasons for the closure of my account. 

This is a serious issue as every time a card is opened or closed - there is an impact on person 's credit score/history. If people like me are facing these kind of situations - what this fraud bank will do to others who are neither having such a high credit score or knowledge about finance/credit card industry.
Consumer complaint received 2021-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield has placed a collection on my credit profiles claiming that I owe {$1100.00} to XXXX XXXX XXXX. Ive never been to that medical facilithy. I have reached out to Wakefield 3 times between XX/XX/XXXXand XX/XX/XXXX ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Consumer complaint received 2019-05-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

My wife and I sent investigation requests to the credit bureaus on XX/XX/XXXX. We were supposed to receive the results within 30 days. She did, but I did not.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX  ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (GA)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-26
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. (CA)

I was notified of a inquiry on my equifax credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a Equifax agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... EQUIFAX IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

Hello, My personal bank account with Ally Bank was locked after I deposited a check of {$2500.00} that I recieved as restitution money from a criminal case where I was the victim of a crime. The case was mediated in XXXX XXXX XXXX XXXX XXXX and {$2500.00} check was handed over to me as restitution for the damages incurred. Then check was issued from XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX who was representing the defendant. The check for {$2500.00} cleared however, days later my account was placed on hold for fraud investigation. After multiple calls to the Allys fraud department, no explanation was given to me other than the account is under investigation and the funds were locked. After 35 days the account was closed and my personal funds are withheld with Ally bank. Ally bank has told me that they are not returning the funds because the {$2500.00} check could not be verified even though the check cleared and there was no issue with it or complaint on the check from either party. However Ally placed a hold on my account after the check cleared because they said they had to verify the check even though it had already cleared and they claim that made multiple attempts to verify with the lawyer firm and with their bank with no response. Strangely, when we call the law firm and the bank we are able to reach an associate and they said they were not contacted by Ally Bank. 

We do not know how to get justice on getting my money back. Ally is claiming that the check for {$2500.00} which was restitution money from a law firm is not my money as they repeated this to me several different times through several different fraud customer service agents. 

We also read many reviews of Ally bank locking peoples account without a good reason to believe it would be fraud and we want to bring to CFPB for investigation as it may be happening to other people. 

We are happy to provide Allys fraud department phone number, the lawyers phone number and their bank contact number and statement showing my funds and the picture of the check and the court letter. 

We would like your help to solve this issue and bring customers attention who are banking with Ally Bank! 

Thank you, XXXX XXXX
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Penfed credit union has not let me make a payments online since I have balance transferred onto my credit card. The issue is that I am not authorized to add an external account to setup autopay or make any sort of payment. I have called numerous times to figure this out and have made over the phone payments in the meantime. I have been late every month due to this issue. I take care of my elderly parents and am in the process of purchasing a home to move them in with my family. I have not been told the real reason on not being able to setup online payments through their portal until XX/XX/XXXX when I called again. I had a 5 day hold on my savings account which in turn would not let me add my checking # and routing # into their website to pay my credit payments or setup autopay. This month I was more than 30 days late due to not being able to setup auto-pay I was finally told that my credit needs to be run to remove the 5 day hold. My credit was initially run to obtain a {$5000.00} credit limit card with Penfed. 

First Call XX/XX/XXXX ( Could not find the answer on why I am unable to add external account ) Second Call XX/XX/XXXX ( Could not find the answer on why I am unable to add external account ) Third Call XX/XX/XXXX. ( Finally told me why I am unable to add external account
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the reports relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (AZ)

I was contacted by GM Financial on XX/XX/19 in reference to a XXXX XXXX and XXXX XXXX. Both of these vehicles I have leased from GM Financial for the past 3 years. These vehicles were given back to the dealership when we purchased new vehicles in XX/XX/2019. I was informed by a collection representative that my XXXX XXXX was 38 days past due and has negatively impacted my credit. I was then transferred to a Loss Mitigation representative, XXXX who was unable to assist me since I was supposed to be transferred to the End of Lease department. Once I finally got to the End of Lease department, XXXX advised me that both the XXXX XXXX and XXXX XXXX were not paid off and confirmed that the XXXX did impact my credit. She then advised me that the XXXX XXXX was 25 days past due and going to report if payment not received. I advised XXXX that both vehicles were returned and I did not have ownership of these vehicles anymore. XXXX advised this is not what was showing in there system and she could not assist me. She advised I would need to contact the dealership. I contacted the dealership and received copies of the cashed checks along with the Remaining Lease Obligation Quote from GM Financial. Both vehicles were paid the correct amount on XX/XX/19 and both checks were cashed on XX/XX/19 however ; I am still being impacted. I started getting daily collection calls until I requested my cell phone number to be removed. I still get daily emails advising me that my account is delinquent and I need to contact them immediately. I have provided all of this information to GM and it is still impacting my credit as a consumer. I do not go past due on my bills and work in the same industry. I understand how important credit is and am extremely frustrated I can not get this resolved. The dealership has done what they needed but I can not get GM to fix this error. During a conversation with my spouse, an agent advised him that the payment for the XXXX XXXX was received and it was posted to the wrong account. We asked them to stop the reporting on our credit until this was resolved and advised this could not be done. I find it hard to believe this can not be done when it is the company that made the error not us. I need to get the collection activity to stop on these vehicles and know that this is resolved so that I can sleep at night.