davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

When I opened the account I was new in the Main Land and I opened an account at Wells Fargo. Initially I only wanted to open one account for my daughter which was a Teen account so that when I'm in Hawaii her father can make transfer into her account. Then I was also force to opening another account just for myself even though I only wanted to go there for my daughter 's account. I notice I started getting charge monthly service fee and overdraft fees which I was not informed during the time when I opened the account. I spoke to a representative and I expressed that I wasn't told about the fee and they reverse it. Now it made it complicated for me since my daughter child has my account information not the teen account so it's preventing me from closing the account I didn't want in the first place. I want my overdraft and monthly service fee refunded but they are refusing to reverse it. I want to file a complaint because I shouldn't be charge for something I didn't want in the first placed.
Consumer complaint received 2019-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My debt consolidation company XXXX XXXX XXXX settled an account for me, completed in XX/XX/XXXX. In XX/XX/XXXX I found a new derogatory account on XXXX  listed on my credit report. The account is listed as being acquired XX/XX/XXXX. There are no identifying names to identify who the original account was with, but that this was a debt collection agency called Portfolio Recovery Associates XXXX, XXXX ; ( XXXX ) XXXX. Because I had no idea who they were reporting that I owed {$1400.00} to I was forced to call them. Portfolio recovery Associates said they were collecting on my XXXX account ( settled and resolved in full in XX/XX/XXXX ) and told me that my debt consolidation company XXXX XXXX XXXX was trying to contact them to settle the {$1400.00} and that they weren't going to settle. I informed them they were incorrect, they proceeded with nasty rude unprofessional comments so I ended the call. XXXX XXXX XXXX confirmed that the statement was false, XXXX was NOT contacting anyone about any accounts from Portfolio recovery Associates and that the XXXX account was indeed settled and resolved. 
Portfolio recovery Associates have not responded to my emails disputing the {$1400.00} amount wherein I provided, both screenshot and pdf format, the settlement statement from XXXX to XXXX settling the account in XX/XX/XXXX.
Consumer complaint received 2019-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Credit Corporation (NC)

I was a victim of identity theft. I started receiving notices in the mail that I was delinquent to a {$15000.00} loan through Avant that I did not take out. I contacted the loan company on XX/XX/XXXX at XXXX to report the fraud and the loan that was not in my name. I obtained a credit report which had an unknown address listed and gave Avant the information. I was told to consider the matter closed and that Avant would contact their fraud department to handle it. I called Avant back on XX/XX/XXXX to inquire about the status of the investigation/loan and was told that the fraud department was not notified. I was also told that the fraud department can only be reached via email and can not be called. On XX/XX/XXXX I received an affidavit from the fraud department. I responded to the fraud department 's email with the affidavit on XXXX, only to get no response. I contacted them via email on XX/XX/XXXX and on XX/XX/XXXX asking if they received the affidavit but with no response. I then called Avant to notify the customer service of the issue, and it was only then the fraud department contacted me via email. I was told that my credit score would not be affected, but it was dropped 200 points after the fact I froze my credit on XX/XX/XXXX.
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank has stolen my car for a debt that they have not validated and are trying to get me to pay XXXX to get the car back. 
They have violated at least 10 consumer laws and FDCPA violations. 

I'm sure its more in the contract which I will point out once I receive it. I've had to deal with a lot of stress and anxiety since they have stolen my car. Had to start ubering my child to school with no car seat in the middle of the pandemic. And that has put a lot of trauma in my life
Consumer complaint received 2019-11-12
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: EQUIFAX, INC. (CO)

There are 4 accounts that are fraudulent on my report. They told me to get the police report and then send that in with proof of my identity. I have sent numerous times this stuff in and now their new excuse is there were payments made and they dont have to block them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I last spoke with XXXX, in XXXX XXXX XXXX. She refused to follow the FCRA and block these accounts
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

The SCA Collections has been hoarding and replacing collections into my accounts the past several years. The amounts are {$3900.00}, {$72.00}, and {$2100.00}. I have been going through a financial crisis, and they refuse to show me where all these amounts add up.
Consumer complaint received 2017-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

XX/XX/2016, I became a victim of identity theft/credit fraud. Someone opened credit accounts in my name. I have since contacted those companies to have the fraudulent accounts cancelled. Yet the credit reporting agencies still show the incorrect information. XXXX shows the fraudulent address used to apply for the accounts. Equifax still shows the credit inquiries for the accounts applied for. Please correct the following information : XXXX - Please removed the fraudulent address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX EQUIFAX - Please remove the credit inquiries for the following companies : XXXX XXXX XXXX and XXXX XXXX Please let me know if you need any additional information. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, XXXX XXXX
Consumer complaint received 2019-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a new checking account with HSBC on XX/XX/XXXX in XXXX XXXX, California and funded my account electronically. 

On XX/XX/XXXX, fraud charges started posting to my debit card, which I never received nor activated myself, and I was not notified when it was activated. 

I received an email from HSBC at XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX, claiming a temporary block has been placed on my card. I tried to ask the reps on the live chat twice to block my card since the number provided in the email does not work due to holiday hours, but nothing happened. The fraudulent charges on the card keeps coming until I called a 24/7 number XXXX XX/XX/XXXX. A total of {$4100.00} was lost. 

I tried to submit a fraud investigation on the phone, but the process was not helpful and nothing significant was refunded. I had to talk to my personal banker on XX/XX/XXXX and got HSBC 's investigation team on the phone, but they asked me to file a police report. 

I filed the police report on XX/XX/XXXX and have been waiting for almost two months for a response but I have not received any refund from HSBC.
Consumer complaint received 2019-11-12
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. (CO)

There are 4 accounts that are fraudulent on my report. They told me to get the police report and then send that in with proof of my identity. I have sent numerous times this stuff in and now their new excuse is there were payments made and they dont have to block them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I last spoke with XXXX, in XXXX XXXX XXXX. She refused to follow the FCRA and block these accounts
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NY)

Hello, i opened as account with paypal smart connect credit card online in 2011 and since that they were charging me security fee depend on balance every XXXX $ their fee was XXXX $ and eastimate last 8 year they were charges me more than 5000 . That fees without my permission and never signed any aplication About car security fee and never received any letter about them as well.
Consumer complaint received 2021-09-20
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. (SC)

I submitted a request to investigate certain accounts on my Experian and XXXX reports. I submitted my first request on XX/XX/2021, I did not receive a response from either bureau and so I then sent a failure to respond letter on XX/XX/2021. I never received a response to that letter either. These issues are extremely frustrating as these errors are drastically affecting my lively hood and holding up my home buying process. 

I would like to file a complaint against both Experian and XXXX for failure to respond to both of my requests.
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2019, at XXXX XXXX  I was contacted at my place of work by a representative of American Express debt collection named XXXX XXXX. I was previously contacted by another representative of American Express in the months of XXXX, XXXX and XX/XX/2019 repeatedly during work hours of XXXX. I have asked them to stop calling me at work, and they threaten to continue. My place of work prohibits any personal phone calls of any nature, and I have never provided my work phone number, employers name or address, at any time, to American Express or any of its representatives strictly because my employment would be in jeopardy to receive personal phone calls, even if they are bill collectors. I alternatively provided my home and cell numbers to American Express, yet they repeatedly call me at my employer 's offices threatening me. I have been warned that I will lose my job if the phone calls persist. American Express continues to ignore my request for them to stop calling my employer 's phone number. XXXX XXXX said he would continue to call me at work until the debt is paid, and that is abusive and harassment. Please contact American Express and ask them to stop harassing me. I would like for American Express to stop all phone calls and put their debt collection requests in writing. They are calling me 3-5 times per day, Monday through Saturday ; this is harassment.
Consumer complaint received 2019-11-12
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. (MS)

I am writing this due to non-compliance with Equifax. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MI)

Received mailed communication from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX. XXXX on XX/XX/2019, file number XXXX XXXX XXXX and one on  XX/XX/2019, file number XXXX XXXX XXXX. I called their office and they said the file was closed. I spoke with XXXX XXXX she indicated the company had " pulled back the file '' on both of these matters. I asked for a written communication verifying at the present time they were not collecting a debt. She refused, I explained that the legal notice they sent me indicates I must respond in 30 days and I need something in writing from their company telling me they were not collecting a debt presently. I explained if I didn't respond on whether I owed the debt or not within 30 days there were legal ramifications, I couldn't risk not responding by mail and having them take my silence a validating the debt that tried to collect and now refuse to send me written acknowledgement of the status. I asked her to check with her supervisor, she came back on line saying they would not send anything in writing. I asked for her supervisors name and she said it was XXXX XXXX. This entire call was in the office of XXXX XXXX XXXX XXXX of Michigan 's customer service center. I had to take time off from work to try to get this bill straightened out ( 2nd time for these same bills ). The XXXX customer service representative was taken aback by this companies unwillingness to provide this documentation. I assert I have a legal right to a written status of the collection action they started against me. They refuse to provide it!
Consumer complaint received 2023-01-11
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up on any response from you after 30 days of investigation. As I reviewed my Credit Report I noticed that there is still an item that is reported as erroneous and incorrect information. Despite the previous written request sent to XXXX, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (MN)

Wrong credit reporting ... many different amounts on balance. I did not get a deffer payment at beggining of pandemic. For XX/XX/XXXX thru XXXX XXXX Says I was behind and they have been taking out payment every 2 weeks. Payment for XXXX says current and then goes back to not current for XXXX XXXX XX/XX/XXXX ... so irretated.. XXXX XXXX a very bad place.
Consumer complaint received 2019-11-12
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: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am ( 30 60 ) days late on the XXXX/XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2017-09-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (GA)

I have been victimized by the XXXX real estate crisis. Was given bad information pertaining to a re-fi loan application back in XXXX. Had perfect credit score until that point when I was instructed by advisors to miss at least 6 mortgage payments to become eligible. While following their directions my mortgage company began the foreclosure process. I had to scramble to maintain my home. Had to pay {$15000.00} to reestablish a 40 year mortgage at 7.75 % interest rate to keep from losing my home. Since XXXX, my guaranteed mortgage was converted into a none guaranteed mortgage causing me a problem getting any refinance consideration due to the fact it was now a none guaranteed mortgage. This process whereby my mortgage is bought and sold has occurred no less than a half dozen times. Most recently is occurring right now as my mortgage is being sold to Morgan Stanley LLC effective next month. I want to be able to refinance my mortgage at a reasonable rate but because the status of my mortgage has changed I am ineligible.
Consumer complaint received 2020-05-29
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: Conn's, Inc. (TN)

I was shocked when I reviewed my credit report and found late payment. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I bank with PNC Bank they will not connect to third-party applications such as XXXX, XXXX and XXXX. For myself and many others these applications are less lines which help to avoid overdraft fees manage finances invest and many other helpful tools. I have spoken with these different apps and PNC multiple times to try and restore some sort of connection because linking my checking account to these apps is absolutely necessary.
Consumer complaint received 2021-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (GA)

I am receiving abusive and repeat call CCS who suppose to be a collection agency. They make threat of false arrest and send mail with authorization of debt that is not owed. I have received ton of debt from the collection company that not owe or from other accounts that are not in collections. I have ask them to stop the repeated calls and abuse of communication with me. I am filing a complaint because the last call is impersonating an Attorney, and false misrepresentation of the facts. I am a military Veteran and I don't think I owe this company anything because I do not have a physical contract with CCS. I just want this company to stop the calls and attempt collect a debt that is not owed.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I applied for auto financing with XXXX XXXX in XXXX, Tn with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX sent the application to fifth Third bank.. Fifth Third Bank denied me Credit. To my understanding Credit is a " Right '' not a privilege. Fifth Third BANK has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

American Express recently released a Statement that included a Purchase APR of 20.99 % where I was active in a promotional period. They claim that it was interest on a late fee but was labelled as a Purchase Interest Charge. I find this to be a deceptive practice and I do n't believe what they 're charging is actually manifested as appropriate.
Consumer complaint received 2021-04-03
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. (CA)

XXXX XXXX cancelled by online access to pay my bill. I paid the bill {$120.00} by mail but XXXX still wrongfully reported that the account was charged off.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (GA)

This is in response to a denial of credit letter that was sent to me dated XX/XX/2024. 
I have submitted a registered security via the Electronic Fund Transfer Act, it is my understanding that my signature secured the security, in which per your Indenture you are selling that security on the secondary market and making profit daily. I did not GIFT you my signature/security. I expect Considerable Value to be given in exchange. Holders shall have an absolute right to receive payment of the principal of, and interest on, their Notes when due, and to institute suit to enforce any such payment. IN SHORT THE CREDIT APPLICATION IS a Asset-backed security ( A ) means a fixed-income or other security collateralized by any type of self-liquidating financial asset ( including a loan, a lease, a mortgage, or a secured or unsecured receivable ) that allows the holder of the security to receive payments that depend primarily on cash flow from the asset, including- ( i ) a collateralized mortgage obligation ; ( ii ) a collateriilzed debt obligation ; ( iii ) a collateralized bond obligation ; ( iv ) a collateralized debt obligation of asset-backed securities ; ( v ) a collateralized debt obligation of collateralized debt obligations ; and ( vi ) a security that the Commission, by rule, determines to be an asset-backed security for purposes of this section ; and Per 15 USC 78c ( a ) ( 79 ).

I demand access to my credit immediately, with an open-ended credit pursuant to 15 USC 1602 ( J ). If you do not perform your fiduciary duty and follow the Action given, I will be forced to report you to the SEC for securities fraud alongside a financial securitization audit of my account. Please keep in mind, fraud has no statute of limitations and I will seek all remedies to the fullest extent of the law. We need not be at odds, I implore you to work with me for the continued prosperity of your company. I look forward to future investments with you. 

Thank you for your time,