davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

This incident happened today XX/XX/2020 at TJMaxx XXXX Branch - at XXXX XXXX. / Cashier register n. XXXX. 

I applied for the TJMax Mastercard Rewards Card, and it was the XXXX experience ever!! 
1. During the application I noticed that the Cashier/Store Associate had put a wrong address for me.. I told her it's the wrong address - she said It was ok and I could change it later using the number in the bottom of the reciept.

The store manager confirmed what the associate said and addes that as long as I change it today it will not affect anything.

2. After I went out of the store I called the number for Card Customer Service. On the phone, I stated I just opened an account and would like to change the address to get the card mailed to the right address. The Customer Service associate I had over the phone attempted to
send me an authentication code to my phone that is on file - she failed. The phone number on file is a wrong one, probabely a non working number.

3. Associate said she could not correct my address at this time and I should go online to upload more documents to verify my identity. At that point I was really frustrated! I asked the associate over the phone to close the account. She did. Then I asked to make the payoff of the current balance, she transferred me to Customer Service.

4.The Customer Service associate was not able to proceed with the payment as all the information on the file are wrong! She could not proceed with the verification of my identity!

5. I called the Store Manager to ask for a solution, either they correct my information on the system or get me the wrong information they submitted so I could at least verify my identity to the Card Customer Service number. 6. The store manager couldn't be more unhelpful. First she said there was nothing at her end to do to help me and that I have to call the Card Customer Service and get that fixed. I said so your associate
messes with my Identity and social security number and then I have to correct her mistakes? She answered firmely " Yes! '' - Very cold, very unhelpful, not showing the slightest sign of courtsey! She insisted that I should try to fix everything with the Customer Service Number.

At this point I could not believe this was happening to me!

I am really frustrated. I have an account that has my social number, I do not have which phone number or address it is associated to!

I attempted to make a payment, the customer service associate could not proceed with it because She could not verify my information!
Consumer complaint received 2017-08-12
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)

XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX did an Hard Inquiry on XXXX XXXX. 2017. on my credit report. This hard inquiry occurred without my permission!
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a KOHL 'S credit card, account number XXXX in XX/XX/XXXX. I have an erroneous 30 day late payment on my 3 credit bureaus from XX/XX/XXXX. 
I would like the late payment removed but prefer the account to be removed.Kohl 's has since been sold to or is administered by CAPITAL ONE BANK.ALL CHARGES WERE FRAUDULENT ... YES, ALL CHARGES WERE EXCESSIVE.I WAS INDUCED BY KOHL 'S TO APPLY FOR CREDIT FOR A DEEP DISCOUNT ON MERCHANDISE. 
THE DISCOUNTS WERE ONLY PARTIALLY CREDITED. 
KOHL 'S HAS A PATTERN AND PRACTICE, EVEN TODAY OF FALSE ADVERTISING, ... .THE DISCOUNTS OF 10,20, 25, AND 35 PER CENT ARE NEVER CREDITED.THEY FALSELY ADVERTISE AND DO NOT THOROUGHLY AND COMPLETELY REVEAL THE BRANDS EXCLUDED FROM THE ADVERTISED DISCOUNT UNTIL YOU ARRIVE AT THE PAYMENT COUNTER..THEY WILL GIVE THE DISCOUNT ONLY ON THE CHEAP XXXX JUNK AND ON NONE OF THE NAME BRANDS.KOHL 'S IS IN THE RETAILING FRAUD BUSINESS.I LIKE THE STORE BUT I HAVE NEVER BEEN CHARGED FAIRLY FOR THE UNDISCLOSED EXCLUSIONS FOR THE SALE COME-ONS.IF THE CFPB INVESTIGATES THEY WILL BE ABLE TO PROSECUTE FOR THEY PRACTICE MY ALLEGATIONS AND VIOLATE WITH THEIR FALSE ADVERTISING TODAY.THEY ARE BOLD AND BLATANT CRIMINALS AND UNAFRAID TO INDUCE ANYONE INTO APPLYING FOR CREDIT FOR THE FALSE PROMISE OF DISCOUNTED MERCHANDISE.THEIR STORE WINDOWS AND MAIL ADVERTISING DO NOT OBEY THE LAW REGARDING ADVERTISED DISCOUNTS AND EXCLUSIONS IN CALIFORNIA ... .SO IN EFFECT ALL OF MY CREDIT CHARGES CONTAINED SOME LEVEL OF FRAUD OR THEFT BY KOHL'S..THEY NEED TO BE SUED BY A SMART CLASS ACTION ATTORNEY AND THE CFPB.
Consumer complaint received 2024-04-03
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/year>, I was traveling to XXXX and stopped by a gas station. I was charged USDXXXX for gas. When checking my statement, I could see a fraudulent charge of USDXXXX ( XXXX XXXX Pesos ) by XXXX XXXX XXXX . I went to the Bank of America of XXXX XXXX to file a complaint with the manager. After 1 week, the bank sent me a letter saying the dispute was not valid, as I had input my password for the expense. I called BOFA and said it was a fraud, that I had never input any password, and I wanted their statement with proof that I did. The attendant said " we have no proof you were present when this transaction happened, I will make another complaint, and you will get another letter soon ''. When the new letter arrived, again it denied my request for refund. 
I made a private investigation and it is a fraud. Bank of America NEVER conducted an analysis with VISA about my case. I would like to have my refund and if law allows me, a compensation for 4 full days dealing with the negligence and lack of interest of Bank of America.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received a notice this evening that Bank of America has chosen to close my credit card account. This account has a credit balance and has not had a balance in several months and I feel like this was an arbitrary decision. The creditor previously lowered my credit limit in the same fashion while I was on a promotional APR and made no attempts to contact me to verify my demographic information. Now they have adversely impacted my credit score by upping my utilization percentage after they have closed the card. This is unfair as I have given them no cause to close this account. My credit has improved since I was initially was approved for the card and my income has more than doubled as well. How is this a justifiable closure? Im good  enough to receive weekly emails about investing my money that they know I have, but not to keep my card with a credit balance open? How does this not constitute as them causing me financial injury with their arbitrary actions? I can only assume what the adverse action reasons are because they did not provide them in this notification. However, I would challenge them to prove whatever credit information they have at the current moment is any worse than when they approved me for the card initially.
Consumer complaint received 2023-05-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tesla, Inc. (HI)

I acquired a solar photovoltaic loan from Tesla Finance. I paid off loan by wire transfer. It took months for them to credit my account and stated that they could not find the transferred funds. After over 30 calls and 10 emails they finally found the funds. During this time they were still trying to receive monthly payments from me. I cancelled monthly payments which probably negatively effected my credit score. When I paid off my loan I overpaid because I could not get in contact with anyone from the company to determine the correct payoff amount. They owe me an overpayment of {$2400.00} which I have not received. Tesla put a lien on my residence in exchange for the loan. I requested numerous times for lien release documentation and still have not received it. This company does not answer calls. If by chance I am able to talk to someone they are no help. I have tried resolving these issues by email and no action has been taken to reconcile my situation. My Tesla account even shows I have monthly payments due even though I paid Them {$45000.00}.
Consumer complaint received 2020-10-12
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: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNT LISTED HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AGREEMENT BETWEEN ME AND THE COMPANY. THIS ACCOUNT IS NO LONGER LIABLE TO ME AND I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF THE THREE CREDIT REPORTING. PLEASE REFER TO THE RECEIPTS
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (TX)

The following accounts are fraudulent : XXXX XXXX {$57000.00} XXXX XXXX XXXX {$800.00} XXXX/XXXX XXXX XXXX  ( XXXX ) {$0.00} XXXX ( XXXX ) {$0.00}
Consumer complaint received 2019-11-05
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. (TX)

The following accounts are fraudulent : XXXX XXXX   {$57000.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX  ( XXXX XXXX {$0.00} XXXX ( XXXX XXXX {$0.00}
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In XXXX of XXXX XXXX XXXX  lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with XXXX XXXX : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX customers aren't put through what we have been through. Please help!!!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (WV)

I am not liable for this debt of {$1100.00} with LVNV FUNDING LLC Account number : XXXX I do not have a contract with LVNV FUNDING, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Consumer complaint received 2023-05-30
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: ALLY FINANCIAL INC. (TX)

In XXXX, I received a notice from XXXX XXXX alerting me to the fact that some tried to open an Ally Everyday Cashback Mastercard. It was denied. 

I then spent multiple days going back and forth between Ally and XXXX to determine how to get this inquiry off my account. XXXX was saying that Ally needs to electronically request for it be removed while Ally told me they couldnt find an application with my name or social. 

XX/XX/XXXX, I mailed a detailed report to XXXX and filed a report with the CFPB. 

XX/XX/XXXX, I received notice from CFPB that Ally was looking into it. 

XX/XX/XXXX, I received an email from CFPB saying that Ally agreed that the hard inquiry was fraudulent and that they requested to have it removed. 

Fast forward to today, XX/XX/XXXX, and it is still showing on my account. Again, XXXX said deposits having received my report Ally didnt not request to have it removed and that Ally would need to for them remove it from my report. 

I spoke with Ally who again told me they could not retrieve the application. 

I am just trying to get this fraudulent inquiry off my account without all the back and forth. 

The original case id is : XXXX
Consumer complaint received 2020-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Avid Acceptance, LLC (AZ)

I have made almost XXXX in payments and my loan has only come down {$600.00} I didnt notice this once I did I called and the company told me that this was because I have made a few late payments I was not aware that my payments were being put strictly to interest. I called back and asked for a completete payment summary that included paydays and due dates as well as fees and interest daily and was sent a sheet that makes no sense.
Consumer complaint received 2023-05-30
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: Grain Technology, Inc. (GA)

Re : CFPB Complaint XXXX there was an issue with the capability to make payments with Grain. The only customer service was in-app and non-responsive. After filing CFPB complaint, they successfully fixed their accounting issues. However, it took more than 30 days and they subsequently ( UNFAIRLY and UNJUSTLY ) put a 1 month past due notice on my account with all three credit bureaus, even though I made the payment as soon as was possible given their internal problems. I have made numerable attempts to have them remove this late payment designation from my credit but Grain remains unresponsive.
Consumer complaint received 2022-04-06
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. (FL)

I financed a car thru XXXX  XXXX and 2 years after I bougth the car I had a car acciden which resulted in total loss. My insurance paid for the car and then I had gap insurance also and paid the rest of what was owed. XXXX XXXX recived all the money and I owed XXXX but they sent the account to charge off wich I had disputed in all credit bureaus but it always comes as account verified and no change in the charge off. It is hurting my credit and need this matter to be solved.
Consumer complaint received 2021-04-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

A company with the name XXXX left me a voice mail the morning of XX/XX/2021 at XXXX stating they are calling in regards to my case which is in the process of being filed against me in the county of XXXX XXXX XXXX . I was unable to take the call because I was still asleep after spending a long night taking care of my grandmother, IMMEDIATELY they begin calling my sister, my grandmother, my parents. I woke up by calls from all of them saying the XXXX XXXX Police Department called saying I am required to contact them or they will take the case further my grandmother thought I had been arrested and began crying for hours. I listen to the voice mail before calling and I believed it was a scam, the voicemail has no specifics, no company, no mention of what the debt is, no notification about the claim. Ive never received a call from this company before, Ive never been notified before of a debt being given to collections, I get a call today saying I am going to have fraud charges filed against me unless I pay. I am already homeless, I dont have money. This company made my family so concerned and made me so concerned I had to borrow money I do not have to pay off something that wasnt even in collections and I most likely would have never gone to court for. But they harassed my family, they called my last employer, they made my grandmother cry and fear that I had been arrested. And the first time I am notified of this debt until the end when it was solve was all in the matter of 3 hours. They did all of this, in three hours to collect a petty debt.
Consumer complaint received 2023-05-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (MN)

A local ( XXXX, Mn Branch ) Us Bank Branch banker ( XXXX ) called me to solicit opening up a CD around XX/XX/2023 under a promotion with a XXXX APY for 11 month term. She sent me the application link via email and i completed it while on the phone with her. When we got to rates I questioned why the rate I saw was XXXX APY side said oh thats the current promotion ; however, I am submitting a special pricing request that is done with a form to my [ regional/district? ] Manager they approve it and then you will see it on your account. I work at a bank, familiar with this process, it is not uncommon so I felt comfortable proceeding. She committed to emailing me when she got confirmation of the approval. I did not receive email, but waited. The first month interest got paid. Still no change in interest. I called XXXX at the number she provided and left message and my number she never responded. 2 weeks later again called back left message still no call back. XXXX or so weeks later I called the main Us Bank customer Service and asked to file complaint and they said someone would call me within XXXX Business days and no one did. I called again on XXXX XXXX ( 2 months after opening CD, still at XXXX APY ) and asked to file another complaint. They had no record of my first complaint because they do not have a complaint system and no notes were on my account. They again said someone would call me in XXXX business days and no one has contacted me. I attempted calling Branch, but it rolled over to the main customer service line. At this point Im upset 1 ) that the banker misled me to opening the product up at an APY that was not valid ( Sales practice misconduct ) 2 ) the fact that US bank does not have a way to properly catalogue, remediate, and disposition customer complaints. 3 ) the lack of follow up, run around and transparency provided to me from the financial institution 4 ) lack of timelines and number of times I have had to make contact and still have no answers
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (KY)

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, in regards to an overdraft with XXXX XXXX XXXX, XXXX, Kentucky, XXXX, for the amount of {$300.00}, stating that if I pay within 40 days of the initial contact, I could settle for the amount of {$240.00}. I was not able to pay that amount within the time period allotted me, so I had to wait until I received my Tax Refund as my son and I live below poverty guidelines for the State of Kentucky, as I earn low wages. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX, that my account was credited the {$300.00}, as I was able to pay the debt off for XXXX XXXX XXXX, and did so over the phone, and the letter states that XXXX XXXX notified their client that the debt was in fact settled and paid off. 

Not long after I paid off the debt with XXXX, I began receiving letters from another collection agency, called United Collection Bureau , INC.,  XXXX XXXX XXXX, XXXX, Ohio, XXXX, demanding I pay {$650.00}, and this letter was also sent on behalf of XXXX XXXX XXXX, but I could settle for {$260.00}. I did not owe XXXX XXXX XXXX anymore money, as XXXX XXXX XXXX closed my checking and savings accounts, due to the overdraft, and sending the initial bill of XXXX to XXXX XXXX. I have received three harassing letters from United Collection Bureau. The last letter was on XX/XX/XXXX. 

Recently I began getting harassed by another XXXX XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio, XXXX, stating they are reaching out again, on behalf of XXXX XXXX XXXX, to collect the same amount as United Collection Bureau, {$650.00}, and I have been receiving harassing phone calls from XXXX since last week, from two different numbers : XXXX ( XXXX ) XXXX ; XXXX ( XXXX ) XXXX. They call and try to get me to verify my name, and my address, which I refuse to do. 

So, either XXXX XXXX XXXX has a dishonest employee, that sold my information to these collection agencies, or XXXX XXXX has sold my information. It looks like United Collection Bureau and XXXX are the same company, or UCB decided to sell my information to XXXX. I believe this has been a scheme that either began with XXXX XXXX XXXX or XXXX XXXX. 

I am extremely stressed as an older single mother, XXXX as of XX/XX/XXXX, of a XXXX year old son, we don't have a tremendous amount of money. I do have proof in my other bank account, plus the letter from XXXX XXXX that I paid my debt in full to XXXX XXXX XXXX XX/XX/XXXX. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One is showing a closed credit card account on my credit report. This was an account I was an authorized user on, had no liability and was removed as an authorized user over 2 years ago. Capital one says they are not reporting it on my credit report however that is incorrect. It shows account XXXX, date opened XX/XX/XXXX, updated XX/XX/XXXX, credit limit {$1400.00}, monthly payment {$39.00}, terms revolving, responsibility terminated. I want this tradeline removed as it is affecting my credit score.