davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Hello I have filed this complaint before but no response .I have been calling XXXX XXXX XXXX for over two weeks now and not one person has been able to help they just connect me to different people. A few times they even acknowledge there an issue on the report but say we dont have access and cant do anything. Nobody has access to correct a report which is inaccurate Who Can help? I am in a bad situation here because of this report.XXXX claims account was closed due to fraud which is inaccurate it was closed because of a negative balance and i paid it off in full why are reporting it as fraud? As a consumer you are diminishing my rights and causing me many issues Resolve this right away This is not right I have filed a complain before. Been contacting XXXX XXXX XXXX for over two weeks. As explained to them I was overseas for a one month trip but unfortunately due to XXXX returned after 3 months. Called XXXX XXXX XXXX and they notified me my balance was negative ( {$280.00} ) .I paid off the amount in full and confirmed with the banker on a recorded line that all is good, nothing on file and nothing will be reported, which the banker confirmed and even told me he can connect me to another person and open a bank account. At the time I did not need one and moved on.3 weeks ago I tried to open an account and was told there is a report on Chex systems XXXXI requested the report and in it XXXX XXXX  XXXX has put a remark that this account was XXXX XXXX  and due to fraudulent activity it was closed. Called XXXX XXXX XXXX over 10 times, they just connect me to different departments and in some cases i have dealt with very rude and unprofessional people specifically there fraud prevention team. The fraud team tell me I have balance due which I absolutely do not and on the file attached I even got verification from XXXX XXXX XXXX. The collections team says your balance is XXXX but the fraud team has to remove the report from Chex system. Again the fraud team simply says no and you have to wait for XXXX  years for it to be automatically removed. ( What are they thinking ) I am professional who works in the XXXX XXXX XXXX and my salary is in the mid XXXX digits why would I commit fraud for {$280.00} WHY? Then they tell me I must sent proof, Proof of what? That I didn't commit fraud? You are accusing me of that you send me proof? This is my last follow up I have consulted my lawyer and will follow up with a lawsuit by next month if not resolved. Currently I can not open a business account due to this issue and loosing money and its nota small amount Please follow up right away and remove all reports from Chex system or anywhere else you are reporting this inaccurate information LETTER ATTACHED
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: R.A.Rogers, Inc. (MD)

On XXXX, XX/XX/2019, I received multiple calls to two of my cell numbers. Called from a number XXXX, XXXX and XXXX. Left a voicemail with name of XXXX XXXX at XXXX ext XXXX. 

I did not provide the caller with my telephone numbers or receive a letter. Research the number on XXXX and saw multiple reviews of other consumers stating issues with this scammer. 

I.E. : XXXX XXXX XXXX reviews a month ago They had my phone number associated some delinquent account & they kept harassing me about a debt that wasnt mine. I tried calling back to speak to a supervisor & they NEVER answer the phone from XXXX XXXX XXXX 5 months ago So does you office close at XXXX XXXX or earlier on Fridays? I've been calling since XXXX XXXX and I'm getting a office closed voicemail. 


XXXX XXXX 11 months ago I set up my payments with them at the beginning of XXXX, the lady I spoke with was very nice she gave me a compliment and she was helpful with giving me details. I called in today XX/XX/XXXX to cancel my payment for the XXXX and start back on More 1 XXXX XXXX 3 weeks ago Very rude XXXX XXXX a year ago- Scam place do not pay! Currently in a lawsuit against them. They do not report to credit bureaus 2 XXXX XXXX 2 months ago I am being HARRASSED!!!!!!!!!
Consumer complaint received 2020-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear CFPB Staff. 

I am writing you concerning the anti-consumer behavior of Capital One 's call center staff over a legitimate dispute I have with a merchant. 

On XX/XX/XXXX I was informed by a Supervisor level staff member at Capital One on how to write and upload a letter clearly stating that a merchant 's response to our case was Invalid, and that the credit on my credit card account would be returned by Monday XX/XX/XXXX. 

It was not. I called again yesterday XX/XX/XXXX XXXX. I first spoke with a base level phone rep who after putting me on hold quickly tried to get me off the phone in a shady manner. It was clear he was trying to dodge around the fact they had no intention of honoring anything that had been guaranteed to us way back on XX/XX/XXXX, even very quickly muttering both the conversation with the supervisor on that XXXX and that she had stated that in an attempt to quickly skip by it and get us off the phone! 

I then demanded a supervisor. The supervisor stalled us keeping us on hold making me have to stay up until XXXX! 

It is clear the ( suppose ) Supervisor stalled and hanged up on us intentionally. And the first phone rep that day had confirmed our call back number in their system in case we get disconnected, as there was no call back attempt, no email follow up, nothing. 

We still have not received the almost {$480.00} in merchandise and Capital One 's overseas employees are causing them to break the obligations to American consumers required by law. 

We do not directly blame Capital One, but we request your assistance in helping us reach the higher channels of Capital One so they may be aware of this anti-consumer happening so that they may launch  an investigation and immediately credit us as promised as all has been provided as requested and guaranteed by their staff. 


Sincerely, An overall happy costumer XXXX XXXX.
Consumer complaint received 2018-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

I would need to file multiple complaints again against Experian based on being able to only choose one reason for this complaint on the previous screen. Experian, again, has incorrect information on its credit report on me. Why this foreign company is allowed to do business in the US is  beyond me as both American companies, XXXX  and XXXX  do not show the false negative reports against me. 

Today, XX/XX/2018, I applied for a student loan refinance with XXXX. I was denied because they use Experian and on the Experian credit report there are 3 patently false negative accounts listed for me. 1 is figment of their imagination ( made up ) and the other 2 are wrong. 1 was a car loan for which I was not the primary borrower that was paid off over a year ago. A XXXX XXXX XXXXXXXX account that is non-existent and an XXXX account that was paid off almost a year ago.
Consumer complaint received 2019-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

The loan is still in good standing, have never missed a payment. I am moving to New York state and trying to register my vehicle in New York State. The NYS DMV requires a certified copy of the title ( both the front and back side ) from the lien holder in order to register the vehicle. The title is currently held by the lender but the lender has refused to mail out a certified copy of the back side of the title. I have tried to contact the lender on 9 separate occasions between XX/XX/19 and XX/XX/19 but to no avail. Due the lender 's refusal to provide the necessary documentation, I am unable to register my vehicle in NYS and unable to drive my vehicle.
Consumer complaint received 2020-04-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (FL)

I took out this loan in XX/XX/XXXX for {$1500.00}. I have been drafted biweekly since for about {$150.00}. I called today, XX/XX/XXXX around XXXX XXXX est, and inquired why are they still taking auto payments? I feel that I've paid more than what I borrowed. The agent, name unknown, but it was a female, says I missed 8 payments and they are charging me daily interest. She said repeatedly I only owe 3 more payments. I asked that they discontinue auto pay and move their expectation of payment on XXXX. She says she did as I requested and an email would come to me confirming. I asked her to note my account that I would pay the {$340.00} she stated I still owed by XX/XX/XXXX. She then explained I needed to call before paying because of daily interest. In her previous explanation she said interest was charged because I missed payments. So now at this point in the convo, I am confused, if you moved the payment for XXXX and I pay balance owed by XX/XX/XXXX, why would I need to call for a new balance? That is when I expressed to her I am confused and begin asking close ended questions to ensure I was getting all the information. She was adamant in adding on narratives to simple yes or no questions. I kept saying if I owe 3 more payments and you would have drafted them biweekly thru XXXX, why would I need to call for balance? Then she said she told me I owed {$340.00} " as of today. '' Our whole convo was basis some tricky wording and this agent was intent on allowing me to remain confused about how to pay this off and be done. I truly feel her intent was to deceive me, and when I did not accept and hang up, she begin talking over me. She started speaking when I was speaking and I continued speaking and she then egregiously accused me of over talking her and hung up on me. I am speechless at her behavior and I find it abusive.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XXXX XXXX I called Capitol One to pay off my credit card. I first used my rewards to pay {$170.00} then asked to pay the balance. This is on Capitol One 's taped line. The young lady said my balance was {$5000.00}. I then paid that amount. I asked twice if that was all that was owed to have a XXXX balance. She said yes. Next month I got a bill for {$110.00} and some change. I called and talked to 3 different people. The bill was for interest and service fees. When I went thru their company to pay it off and was told I still owed more, I was very irate. I don't believe I owe them anything.
Consumer complaint received 2019-05-20
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 (VT)

I requested a lower APR/Interest rate in XX/XX/XXXX. I received a generic response to my last CFPB complaint I submitted on this topic stating that APR was based on credit history and scores. I have over a 750 credit score and 100 % on time payments ; the reasoning provided in AMEx 's form letter was not responsive to my individual situation or request.

I started to email corporate requesting a specific reason why I was being denied a lower APR in XX/XX/XXXX. I was told to wait for a response several times, then I was told that a lower APR was available for my account, but I HAD TO CALL AND SPEAK TO SOMEONE ON THE PHONE IN ORDER FOR AMEX TO APPLY THE LOWER APR RATE TO MY ACCOUNT. AMEX claims that this is for security reasons that I must call.

I was told by the 'executive assistant ' if I would not call, that they would not apply the lower APR and they also would not respond to anymore emails. AMEX has been unresponsive to my requests to apply the lower APR for over 10 business days, despite my repeated requests to apply the lower APR to my account.
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

In late XX/XX/XXXX I opened my checking account with USAA. In late XX/XX/XXXX I got married and applied to add my spouse to my account so that she can have Atm debit for my spouse to use. I had submitted document and my spouse inorder to apply get debit card. I submited my marriage licence and ID card. Yesterday my account got closed and debit card blocked and I since I have told usaa to return money to my employer because I don't want to deal with bad USAA customer service anymore. I used lots of money to fax documents not only to be told it's wrong document which USAA send me to have my wife fax it. I asked if I can close my account since I'm US citizen and have my money because I need to pay my bills ... I have been denied access my money..
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

My XXXX XXXX XXXX  account has been charged off. They attempted to sue me and that lawsuit was dropped after I disclosed my financial status. This account is no longer on my credit report. I do not have the entire account number but the last four digits are XXXX. 
Amount owed is {$1900.00}. This account was acquired in 2011 by Portfolio Recovery. 
Portfolio Recovery has been has been trying to collect this debt. There are making harassing phone calls. They are also trying to collect a debt from XXXX. I have never had a XXXX account. I have disputed the XXXX account with them. 
I would like the calls from Portfolio Recovery to stop!
Consumer complaint received 2020-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2017-05-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

On  XXXX  without my knowledge or permission my son 's lawyer 's sister who owns a   XXXX   XXXX   XXXX   got a first cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a second cash out refinance for $  XXXX .   On  XXXX  without my knowledge or permission my son 's lawyer 's sister got a cash out refinance for $  XXXX .   The lawyer opened up a new checking account under my name at my bank and put all the cash out money through this account. The lawyer then wrote checks to himself for a total of {$600000.00} and filed my personal bankruptcy without telling me. When I told the the Bankruptcy Trustee I signed none of the papers and did not prepare the bankruptcy papers nor had knowledge of the contents and that I did not know why I was here the Trustee allowed the lawyer too keep the $  XXXX  earned upon receipt and my home went to foreclosure sale. The bank fraud dept. confirmed fraud and that I neither applied for the loan, could never pay any of the monthly payments and did not apply for it and did not get any of the cash outs they nevertheless foreclosed on me and made me homeless since   XXXX  . I can only write and speak  XXXX  and was out of the country when these loan papers were signed by someone. My husband was   XXXX   XXXX   XXXX   when these loan papers were signed in  XXXX   XXXX , CA. I hired  2 lo an modification lawyers that took {$98000.00} cash up front and my new  XXXX  car for collateral and immediately sold my car. They were both disbarred and I never hired these lawyers to do any work for me other than a Livin g Will T  rust w here they got my personal information to prepare a loan application. I am  XXXX   XXXX   XXXX  and do not know what to do.
Consumer complaint received 2020-07-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Absolute Resolutions Corp. (NY)

absolute resolution called me to collect a debt the person on the phone told me they was a lawyer and they gave a description of the things I owned and how much money I made I am retired they threatened to take me to court and take all my possession I tried to negotiate a resolution they told me i have to pay the full amount i believe this company in a law firm
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

Chase bank. Business account XXXX date : XX/XX/24 Reference # XXXX A scammer got ahold of my online login credentials. 

They called me impersonating Chase. They told me that there was a suspicious charge charge on my account. Mentioned that there is a pending Wire transfer from my business account for {$15000.00}. If I log into my online account they would walk me through canceling the transaction They walked me through canceling the transaction which was not true. 

I told my buddy what happened about XXXX after the phone call and he said to hang up and call Chase directly. 

Called Chase. They said that I called like XXXX min ago approving the wire! Obviously I did not call as that was the first time I was talking to them. The scammers called impersonating me and got the wire approved.

Chase marked my account as fraud. Contacted the receiving bank and all Im getting is the we are working on it it may take up to 30 days. Well we are past that and nothing is coming about it
Consumer complaint received 2021-02-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (IL)

XX/XX/XXXX I was made aware that both my accounts with Synchrony Bank were closed ( Ashley Home Store/Amazon ) as of XX/XX/XXXX by an alert sent to me by XXXX on XX/XX/XXXX. I immediately callled Synchrony to confirm and was told that " yes '' my account was closed by the guarantor effected XX/XX/XXXX. I originally spoke to a gentlemen and asked to speak to a supervisor as he said I would receive written communication as to the reasons why. When the supervisor came on the line she said that my accounts were determined to be " high risk ''. Mind you I have only had these accounts open since XX/XX/XXXX. I only made a few payments which were all " on time '' and the accounts were actually going to be PAID IN FULL on XX/XX/XXXX. Regardless, she said there is no way to reopen an account once it is closed. 

I am very frustrated as I only had 3 months of payment history which was on-time. In addition, the credit was higher as we just purchased a home and was using the credit to purchase items for the house. I believe their credit model may have made such determination which is insane. I have a solid credit history with others and my accounts were in good standing. Whatever algorithm is being used is causing consumer harm. Now my credit score will go down and now I can not purchase more furniture for my home. I now need to get different credit from another creditor which will be a hard pull. I am asking that both accounts get reopened. When I tried to speak with the supervisor she must have disconnected as I was asking her for her ID so I can reference this in my complaint. I feel as though I am being discriminated against. I want to know what factors prove me to be " risky ''? Why give the credit when people will certainly hold a balance for a period of time. It does not make any sense. I am beyond frustrated as I can not risk my credit score going down for a decision that was made where I was not in the wrong. I expect a full response as to what makes my file risky. I have never in my life experienced such a bad relationship with a creditor. I am truly appauled. Considering the economic times we live it and that I am a good customer paying in good faith, they should be ashamed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2020-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

In XXXX I believe that Sallie Mae mad an error and duplicated my principle on my student loan. I have not been able to resolve and all they do is place in forberance and charge fees and accrued interest and my loan has gone from $ XXXX to $ XXXX. Most of the forbearance has not been authorized by me. They just do it. 

Can you help?