davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (VA)

Someone name XXXX called from an no caller Id number saying I would be receiving a summon for court at XXXX on XXXX .Told me I needed to call XXXX. I called that office at XXXX. He didnt give his name but said Santander was taking me to court and the court date was XX/XX/XXXX. When I asked where he said somewhere in my area. No summon ever came. Today XXXX XXXX I got a taped call asking me to press on .Another firm named XXXX called again representing Santander Saying I owe XXXX but we could settle it today for XXXX. I said this is a scam .He said if you dont your court date is next week. I said someone called me yesterday said it was next week. This is a scam. I do not owe Santander any money This is harassment or a scam
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

For the last few years I have had a credit card for the XXXX XXXX  retail store, administered by Comenity Bank. Unlike all of my other credit cards, Comenity did not offer an autopay feature on this card that would allow me to schedule to pay the full balance on the due date every month. This is how I schedule all of my recurring payments, from my mortgage to my credit cards to utilities. I asked Comenity why they did not offer this service and they could not provide a satisfactory answer. This should not be a difficult feature for a large financial services company to administer, and my understanding is that they offer the service on other retail cards that they service. 

While it may not be illegal, failing to offer autopay is in my opinion to make it more difficult for consumers to pay their account on time. It is not a consumer-friendly practice. As a result, I paid my account balance of {$68.00} XXXX XXXX late on XX/XX/2021 was assessed a {$35.00} late fee and a {$1.00} finance charge. So essentially I was charged 51 % of what was the underlying account balance. 

I closed the card account after that because I felt that I would continue to be charged late fees in the absence of an autopay feature. I moved to dispute the late fees, but the account has continued to accrue late fees on top of the original late in every subsequent month, despite the fact that the account is closed and the underlying retail balance of the card has been paid off. While the cardmember agreement seems to permit this, I do not think it this practice is ethical or decent as my account is accruing late fees that are not attributable to funds that were actually borrowed from Comenity. They are just stacking late fees on top of late fees, and these fees continue to accrure even as I dispute the charges. On XXXX I submitted a {$36.00} payment to cover the original late fee and finance charge because I acknowledged that my paayment was late, albeit by only XXXX days. I asked them to close out the account and cancel any subsequent fees, but they refused. 

My understanding is that very recently Comenity has finally started to offer an autopay feature on this account. But this came only after years of refusing to offer the feature and inquiries on my part as to why it was not offered. It's my contention that XXXX XXXX and Comenity collectively decided not to offer autopay for many years as a way of increasing revenue in the form of late fees and finance charges to the detriment of consumers like me who no intention of carrying an account balance. Again, this may be permissible under their cardmember agreement, but I think that their collective actions constitute predatory lending practices and there should be regulations in place that require lenders that administer revolving credit to offer an autopay feature to borrowers
Consumer complaint received 2021-12-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting AcXXXX law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX SPECIALISTS OF ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX XXXX ( Original Creditor : XXXX XXXX EMERGENCY XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX PA ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

To : Costumer Financial Protection Bureau XX/XX/2019 URGENT From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX e-mail : XXXX Phone # XXXX This is report of harm, abuse and violation by Chase Credit Card. 

I am victim of Case Credit Card. I have reported over the phone ( conversation recorded ) to Chase Credit Card unidentified charges to my account. Case Credit Card responded that this charges come out from subtracting one credit from another credit and received result of this subtracting Chase Credit Card applied as charges to my account. Case Credit Card begins charge interest from this alleged amount although I have requested correction or dispute. 

Credits to account can be only subtracted from amount to pay. Subtraction one credit from another credit and result applying as charges to account is ridiculous. A asked over the phone ( conversation recorded ) to correct this issue numerous times without success. 

Therefore I described this case by letter and submitted personally to Case Credit Card. Case Credit Card has refused to give me receipt on copy of this letter. I received finally receipt from other branch. 

This case remains not resolved. Therefore I am asking Costumer Financial Protection Bureau for action. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Contacted TransUnion disputes dept today XX/XX/2019. I asked if my dispute sent via mail was received and I was told yes. It was received on XX/XX/2019. I asked if Cfbp complaint that I filed had been received-got ignored. The rep. stated dispute would be completed the second or so week in XX/XX/2019. The rep. stated 30 days is their normal time frame. I told the rep. no!! The first & second dispute took 30 days each. I stated they had 15 days according to fcra rule 611, 613, 605, & 617 to complete dispute. I indicated that information in my dispute Letter. I also made known to the rep. that TransUnion has blocked / removed allowing me access to view, check status, or start new dispute online. Then the rep. hung up the phone
Consumer complaint received 2019-08-23
Product: Credit card or prepaid 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. (FL)

I made a restaurant charge at a restaurant called XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX. 

The charge was billed to me in dollars after I requested the charge to be in pesos - the local currency. The exchange rate  the restaurant charged was {$200.00} over the going exchange rate. When I asked multiple times for the correction, it was refused. I consider the exchange rate scheme to be FRAUD by the restaurant. 

I disputed the charge 5 times or more with CitiBank [ the issuer of the credit card ] and they refused to make an adjustment because they said that the charge was correct. I explained that the charge was not correct because they used a fraudulent exchange scheme. Citi refused to be helpful. I tried to reason with them and said that I would file a complaint with the CFPB and they offered me a {$100.00} settlement. I said that I would not accept the settlement because of the fact that the restaurant would get away with the fraud and that I was disappointed that the bank would not support its customer after I made the argument.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Ive tried to resolving these accounts t thats reporting false information. A collection was recently deleted off my reports in XXXX. A new company named : XXXX XXXX or XXXX XXXX XXXXreinserted this deleted account a week later without my knowledge. According to fcra section 611 ( a ) ( 1 ) ( A ) a debt collector must notify a consumer in writing within five days of their initial communication that they are attempting to collect a debt. Ive never received any notification which is a violation of my rights. Also according to fcra section 611 ( a ) ( 5 ) the debt collector must provide a consumer with an opportunity to dispute the debt within 30 days of receiving initial notice. Ive never been awarded that opportunity to dispute this already deleted account. This is a blatant violation of my rights. It also looks like they are reporting this as a new account. My credit scores have been effected dramatically. 
This may not be my account. I never opened this account. I think someone used my SSN XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX is the name of this collection agency who is batantly violating my rights. Experian and XXXX are reporting this account The account was purchased from XXXX XXXX XXXX in XX/XX/2023 Original creditor is XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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: TRANSWORLD SYSTEMS INC (FL)

In accordance with the Fair Reporting Credit Act, this creditor ( Original creditor - XXXX XXXX, collection agency - TRANSWORLD SYSTEMS INC ) has violated my rights under section 15 u.s.c. 1681 section 602 states I have a right to privacy.

Under section 15 u.s.c. 1681 section 604 a section 2 says that the consumer reporting agency can not furnish an account without my written instruction. 

The collection amount and date are incorrect and it was already reported to the Original creditor - XXXX XXXX and the credit collection agency - TRANSWORLD SYSTEMS INC.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called in mid XX/XX/XXXXto cancel my CC since the annual fee had been assessed by the bank. I was given a offer to downgrade the card to a no annual fee card which would result in the fee being waived. I accepted the offer. 

Two weeks elapsed and I had not received the new card nor was the annual fee waived. I called back in early XX/XX/XXXX and was promised that within next 5 days the fee would be waived and I should also receive a refund of the fee during that time. 

I still did not receive the fee refund or card so I called back on XX/XX/XXXX and spoke with supervisor ( XXXX ID : XXXX ) and she created a case ID : XXXX for the back end operations to look into it and review the call logs so that the fee can be reversed. 

I was asked to check back on XX/XX/XXXX and I called as requested but could not speak with a supervisor. I finally connected with a supervisor today and weas informed they can not waive the annual fee. I requested that the card be closed and the only balance outstanding on the card now is the {$59.00} annual fee. 

I am not legally obligated to pay this fee but want to make sure my credit report is not negatively impacted due to mistakes committed by Capital One. 

I would like to review a copy of the call logs myself if they are so confident that the commitment was never made to remove the annual fee. I need copies of both the XX/XX/XXXX and early XX/XX/XXXX transcripts.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (NY)

I am writing to dispute an item on my credit report. The item in question is a debt of {$880.00} from an original creditor called XXXXXXXX XXXX  that was turned over to Midland Credit Management Services. 
I have no information or recollection of this debt owed to XXXXXXXX XXXX and I have not received any communication from them regarding this debt. To my knowledge, I have never had any business or financial relationship with XXXX XXXX 
Furthermore, I have reason to believe that Midland Credit Management Services has acted inappropriately regarding this debt. Not only did they send false lawsuit letters to my house, but they also made false statements to my county tax department. 
In addition to these false communications, a representative of Midland Credit Management Services made a false claim that he served my wife at our residence before filing a lien on my property at my county office building. It is my understanding that Midland Credit Management Services has a history of using these types of tactics. 
I am requesting immediate assistance in resolving this matter. I have already contacted Midland Credit Management Services to dispute this debt, but I have not received a satisfactory response. I ask that this issue be resolved as soon as possible, and that the item in question be removed from my credit report.
Consumer complaint received 2021-12-22
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX XXXX, XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I sent in a letter with a copy of a bill and ID to show who I was. I requested to have my security freeze lifted for a few weeks. I mailed this priority on XX/XX/24 and it was picked up by you on XX/XX/24. Please remove this freeze until XX/XX/24.
Consumer complaint received 2018-11-19
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. (AL)

On XX/XX/XXXX, I sent out a Validation letter to XXXX XXXX, to validate the debt was mine and to receive a signed contract, On XX/XX/XXXX, I receive a letter of summary of what they say I owe but no signed document, that same day I sent out the second letter asking for a signed document and letting them know that this doesn't not validate or verify. On XX/XX/XXXX, I received the same thing again but this time including XXXX XXXX XXXX
Consumer complaint received 2019-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I am a XXXX old man struggling making my mortgage payment i have been in default for over 2 years trying to correct my past dues. Due to my negative credit score and being on fixed income i have not been able to get a loan to pay my past dues. i have been pre approved for a home loan which will help me bring my past dues. i have tried multiple times to get a reinstatement and payoff quote from the Lender and attorney who is handling the default and foreclosure with no success in obtaining a payoff or reinstatement quote. Every time i call PHH mortgage my lender they tell me the attorney XXXX XXXX is the only people who can generate a reinstatement quote. I have call Western progressive at XXXX and XXXX multiple times with no success in speaking to anyone. I only have the option to leave a voicemail. Which i have multiple times and they have not called me back. On XX/XX/2019 at XXXX XXXX  i sent a written request for an exact reinstatement amount to the fax number given by the pre recorded answering machine XXXX. I have called multiple times to request an update and i can not speak to anybody but leave a voicemail in addition the lender PHH is not helping me contact them they just give me the same XXXX number again. It is now XX/XX/2019 and i have yet to receive any information on the past due amount or if my fax was received. I feel as if this company is purposely trying to prolong the time so i could go into foreclosure and loose my home because there is of the equity my home has. I have my loan approved and the only thing missing is the reinstatement amount so i can get out of foreclosure however XXXX XXXX is prolonging my request.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I need all credit cards prior 2012 removed from all credit reports. 

Also, i have a repossessed vehicle and the car wasnt mine. It was apart of ex-wife name but for some reason its on my report
Consumer complaint received 2023-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (PA)

I received a call from my mother and son stating a firm called them trying to reach me and provided a reference number. I myself then received a call stating the person on the line ( no name or formal introduction ) was a courier service and needed to verify my address to provide with me legal documents from XXXX XXXX XXXX XXXX based in XXXX. I advised the young lady I did not feel comfortable giving out my personal information at which time she gave me a reference number and told me to call XXXX. I called and spoke with XXXX XXXX. He started the call off asking for my address, it appears the caller ID advised him who I was so there was no formal introduction. I, again advised I did not feel comfortable providing my personal information as I do not know what this is in regards. He proceeded to read off several addresses then threatened to move forward with court proceedings while advising a judge I was not cooperative. We ended the call after he refused to allow me to speak with his superior. I called back at which time he answered again calling me by name. On the 2nd call he advised me this was in regards to a debt from over 10 years ago which has been settled and I offered to send their company documentation. After being threatened with being sanctioned by the courts I ended the call and called again ( this time the number on their website XXXX XXXX XXXX ). I spoke with a XXXX who was more understanding of my fear of providing my information to a random person. I gave him the reference number that was provided early on and he explained I was not speaking with a law firm but a debt collection agency. He provided me details of the debt and stated I was being contacted due to signing a " tolling agreement ''. After reviewing my documents I advised him this debt was dismissed due to fraudulent being opened. I offered to send him documentation via email from the agency they " claimed '' asked them to move forward with collecting. After going through my records and after hearing the story with the first agent he stated he will update the record to show the debt has been closed and to not worry about it. I was not given any formal documentation confirming this matter has been resolved and offered to provide my email address since I was offered a bill via email. This company is very dishonest and collecting fraudulently.
Consumer complaint received 2019-08-23
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)

XXXX ; Experian and XXXX  are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Today XX/XX/23 I attempted to use my credit card for {$310.00} at Walmart. The transaction was flagged for fraud. I responded to all text alerts and emails that the transaction was valid. My card was still declined. I called fraud and spoke with the XXXX associate ever. He clearly did not know how to remove a fraud restrictions. I verified my information, recent activity, and login info and was advised I could use the card as normal. Again my charge was blocked for fraud. For a second time the XXXX associate made me verify the SAME information that I already verified on the phone with him moments before. For a THIRD after being told my card was available for use, the card was blocked again due to fraud. For a FOURTH time the associate wanted to verify the same information and also wanted me to upload my driver license while standing in line at the grocery store attempting to buy my groceries. Hands down the worst service I ever received in my life. I was forced to use another method of payment because of an incompetent associate not being able to remove the block off my card. My card is still BLOCKED. I want my card unblocked and I want my account credit the amount of miles equivalent to a purchase of {$310.00} due to the incompetence of Capital Ones associate.