davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (GA)

In XXXX I had a fraud charge of {$7000.00} from a rental car. I disputed and fund were returned. First of XXXX the frauds submitted charge again as an electronic check. The bank then changed the transaction to a claim adjustment. And took my money. They used a credit card not active and hasnt been active in over a year it was report lost/stolen in XXXX. Also I have. {$5000.00} daily transaction amount and I have an overdraft protected account. The charge should have been denied and returned. Regions still had the charge active. I have spent over XXXX hours trying on phone or in the bank. The bankers at each location was shocked at how the charge was cleared. They didnt even run the card card was not present. Also if renting a car a pressurized amount should have been held. There was no amount. The banker in XXXX XXXX location said the merchant account was not even and XXXX account. To make thing worse this past XXXX  {$200.00} just disappeared from my savings. There is no transaction log or record but u ca. see daily balance how money just disappeared. 

I have done everything and every call or person I talk to will put me on hold for over an hour. The last conversation I had was with a rep in Alabama named XXXX who was working to get this resolved and she left me on hold over over XXXX mi XXXX with no return communication. This situation is holding up my personal finances to where I cant pay bills or even buy food. I get no assistance but I am now being held liable for a fraud charge thats isnt mine from a debit card that isnt even an active card on my account. How can a business large as Regions be allowed to operate while allowing its employees to illegally access and used a customers account. I know if the protection agency would following this case Regions would be found liable. XXXX now if I go to use the actual active debit card for that account my charge is denied yet alone as able to charge over {$7000.00} on XXXX charge and regions is trying to make me responsible for this money. Its insane to allow business or corporations to take advantage of customers and allow no supervision over its employees who are aiding in the fraud. Something must be done
Consumer complaint received 2023-03-27
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: Convergent Resources, Inc. (VA)

Pursuant to 18 USC 8, I owe no debt, These companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX convergent outsourcing ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account with a balance of {$100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2019-02-24
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (CA)

I received a debt collection letter from Williams & Fudge Inc for the College of XXXX XXXX stating I owe {$920.00}. I never attended the school I signed up for classes but immediately withdrew because I had to move. I also received an email from the school confirming I did not owe anything. I emailed a copy of my document to XXXX XXXX XXXX XXXX informing them I do not owe any money. This company stated if I do not pay they will report me to all the credit agencies. How can they do this and I dont owe anything. Also I am a retired vet I dont need a student loans I have educational benefits from the military.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CO)

This complaint is regarding the poor reward system for American Express and the terrible structure/policy that their company goes by. As a credit card consumer who have had at least XXXX credit cards from various different companies, American Express has been hands down the worst company I have ever dealt with. Even though you have met your spending requirement, they require you to pay off the balance and then wait for the next month 's closing date. Your points remain in pending status well over XXXX days during this process, even when you have fulfilled their requirement in paying off the balance and waiting for the next closing date, points are still unavailable. I have never had any credit cards where it takes 60+ days just to receive your points or miles even though you have fulfilled all the requirements. American Express is literally the WORST credit card company ever and I have nothing but bad things to rave about them. I will never recommend them to friends and family and will sure discontinue the relationship once one full year is near. Until they fix their reward system policies, I will never use them as a credit card company ever again. The inconvenience and lack of flexability in their reward system will never earn the business of experienced credit card consumers such as myself again.
Consumer complaint received 2022-08-09
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: GOLDMAN SACHS BANK USA (TX)

Goldman Sachs ( apple credit card ) incorrectly filed on my credit report. When I called them about my alleged late payments and charge off, they said I " owed '' them the XXXX figure. But the report clearly says, " charged off. '' If something is charged off a 1099a is sent to Goldman Sachs which means it is now income earned for the company. 
I can not owe on income. And this now becomes inaccurate reporting on their part. They are trying to be paid twice for the same case. 

I would like to exercise my right as a consumer to 15 USC 1681i ( a ) due to the nature of inaccurate reporting on my report.

Also, in 15 USC 1681 ( a ) 1 it says that the banking system is dependent upon fair and ACCURATE reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2020-10-19
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. (NH)

An account that was discharged via bankruptcy from XXXX has somehow found its way into a new collection agencies hands ( XXXX XXXX XXXX ) and has now become present on my credit reports as a collection as of XX/XX/2020. This new collection account is LOADED with inaccurate information, contradicting information, ( ex : XXXX  has the account showing as discharged via bankruptcy, and this account has been allowed to pop back up as a collection while still showing its discharged??? ) Furthermore the dates, amounts, source etc. are all wrong! Experian dispute was useless and in the reporters favor and havent provided me a stitch of proof or evidence. This company has also failed to make any attempt to contact me by any means and instead decided that they would just report this frivolous inaccurate account. I want it deleted immediately. This is grimy practice.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has charged me an annual fee for a XXXX. I had notified the company that I do not want the card if there is going to be an annual fee. American Express charged after assuring me of no Annual fee and without any notice. I did not notice the charges right away because my account is on Auto Pay and American Express never notified me in writing.
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Convenience checks — 
Company: JPMORGAN CHASE & CO. (SC)

I have new information for compalaint # XXXX ... Chase had sent me a credit offer to pay off other credit cards and i may have up to $ XXXX dollars credit? I had {$12.00} in checking account so i was led to believe this was so??? I sent out XXXX checks to other credit cards to pay them off and they were declined and had to pay XXXX dollars on the bounced credit card checks ... they will not pay the bounced fees and i am upset that they did something so stupid!!! Chase responded they will not pay those bounced fees!!
Consumer complaint received 2022-02-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

I got behind on my car payments. I owe around XXXX and the car will be paid for in full. i was paying as could and i was keeping in touch with them. they then cut me off from making payments online because they said they could not take my payments unless they were they full amount. i tried to pay over and over no matter how much it was and finally after being given such a hard time i just stopped. they weren't calling me either. last night my son and i went to XXXX XX/XX/22 and we came out and the car was gone. i called them they would not tell me how much i owe and will not take any money for it for me to get it back until i get my tax money to completely pay for it. or to pay it as i had money to make sure they told the impound lot that i did want my car and to not send it to an auction. they told me they can not give me an exact amount either because they have to wait on a letter to be done and that can take 2-3 business days.
Consumer complaint received 2015-10-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (TN)

Chase credit card services dropped our SCRA in XXXX 2015 conveniently while our military family was XXXX. In XX/XX/XXXX I realized that the APR % went from 6 % to over 20 %! I contacted the bank immediately. They informed me that the SCRA benefits expired and I would need to resubmit information. I did so on XXXX XXXX, 2015 and got a confirmation that they received it. Today on XXXX XXXX, 2015 I had to call again since the benefits wer not applied yet ( 3 month later ). The representative " XXXX XXXX '' told me she did n't see were I sent them and if I resent the paperwork today that they would expedite the request, and call me back to confirm it was received. I resent it via secure messaging on the site as we spoke and received the same " confirmation '' email, but no one ever called me. I have come to a desperate point and feel that they are taking advantage of our military family. I can attach screenshots of both SCRA information messages.
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Platinum Holdings Group, LLC (GA)

This person stated that they would serve me at my home or my place of employment if I did not contact XXXX. They stated that they would need to see XXXX forms of photo id Stated the case number was XXXX. Stated that their name was XXXX and that he would be wearing a XXXX courier vest. This information was left on my voicemail.
Consumer complaint received 2016-08-25
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd. (IL)

My spouse had to change her number because these people kept calling at odd times to ask about some address in Texas that I never lived at!!!!! We do n't have no {$400.00} to pay them. We 're on a fixed income as it is, and these people just do n't leave well enough alone!
Consumer complaint received 2019-02-24
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. (WA)

My wife and I are having consistent issues with Equifax. We have added security freezes and fraud alerts to each of our credit reports. Both of our security freezes and fraud alerts have been removed numerous times without our authorization by a fraudster who calls Equifax and remove them fraudulently. The fraudster does not have access to our security freeze pin to properly remove the freeze. Equifax does not request the security freeze pin prior to removing the freeze. The assailant easily removes the freeze and the fraud alerts due to the lack of proper security within Equifax. Additionally, the assailant proceeds to open credit cards in our name after the freeze is removed. We need Equifax to STOP removing our security freeze without requesting for the pin and STOP removing our fraud alert. The security pin is emplaced for a reason and Equifax is not utilizing it. After speaking with Equifax on multiple occasions, they are not assisting us with removing the fraudulent credit card inquires that are damaging our credit.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (DE)

I have a hardship with my mortgage and my mortgage is with Citifinancial. They have dragged this process out for 10 months which is unacceptable. I reached out to a housing counseling agency in XXXX. My housing counselor has been working with me from XXXX to present. We are currently in mediation with this lender and just recent they denied for any home retention options. I have been wanting to reconcile my mortgage for months. I have good faith payment of XXXX to help get the mortgage back on track. We have even sent them a proposal but no response from lender. Just recent I got a call from the lender and the rep 's name was XXXX XXXX employ ID # XXXX XXXX OR XXXX. He told me they would accept an offer and to fax proposal to him. I called my housing counselor we faxed the proposal to XXXX and we have not heard from him in weeks and now we cant even locate him.
Consumer complaint received 2015-12-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MA)

I WAS OFFERED ALOAN MODIFICATION BUT IT JUST STATED A PAYMENT .I REQUESTED SPECIFICS SUCH AS AGGRAGATE BALANC EFINANCED, INTREST RATE, BREAKDOWN OF THE PAYMY AS IT RELATES TO ESCROWS AND PRINCIPLE AN INTREST IN WRITING NOTHING HAS BEEN RECEIVED AS A REPLY TO DATE XXXX XXXX AT CITIMORTGE REFUSES IN HIS OBSTNATE WAY TO PROVIDE INFORMATION ON SPECIFICS .HOW CAN CITI EXPECT A BORROWER TO SIGN ON BLINDLY AND MAKE PAYMENT WITHOUT KNOWING SPECIFICS.XXXX XXXX NEEDS TO BE REMOVED FORM XXXX AND SOMEONE WHO OS SERIOUS ABOUT HOMEOWNER PRESERVATION .HE STATED THEIR WAS NO LETTER OF AUTHORIZATION ON FILE WHEN THERE WAS AS IT RELATES TO MY SPUSE SPEAKING ON ACCOUNT .CITIMORTGE IS HINDERING THIS MODIFICATION AND HASTENING FORECLOSURE LIKE THEY ALWAYS WANTED
Consumer complaint received 2016-05-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Dozens of calls from XXXX numbers from Portfolio Recovery. They are looking for someone named " XXXX '' who had this phone number before we did XX/XX/XXXX. I 've told them this in the past yet they continue to call. I was forced to get a call blocker just so I could ignore them. We have never had any kind of debt go into collections at any time. We have never had any debt in arrears at any time ( this is over 40 years time ). We are not who they are looking for but they will not stop calling. 

I 've attached a partial list of some of the numbers and dates that Portfolio Recovery has called. These all came after I had informed them that the person they are looking for no longer has this phone number.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was XXXX I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
Consumer complaint received 2017-03-19
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (IL)

on XX/XX/2017 I went into the Macys store in XXXX in XXXX Illinois to make my payment in full that was due XX/XX/2017. The payment was done by electronic check and when the payment cleared on my bank statement I destroyed the check. Macys sent me a bill the following month that st5ated no payment was made and billed me late fees and finance charges. Macys took my money and applied it somewhere but not to my account. I contacted XXXX bank and filed fraud claim number XXXX on XXXX to date macys has my money and XXXX has not advised if they were able to trace the funds.
Consumer complaint received 2015-09-04
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TENET HEALTHCARE CORPORATION (TN)

Received a call from this company saying they were going to sue me for a XXXX dollar debt. I thought it was a scam until I seen it on my credit report. Told me they will garnish also my wages if I did n't set up a method of payment that day.
Consumer complaint received 2022-09-05
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)

CFPB + Experian, I have 3 unauthorized hard credit inquiries on my latest Experian credit report that I would like removed as soon as possible. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have these unauthorized hard credit inquiries removed as soon as possible as they are damaging my ability to obtain new credit.
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NY)

I hold a Chase/XXXX Visa credit card. Chase promotes this card -- and other high-end credit cards -- as offering " primary '' auto rental collision damage coverage, meaning that one need not file a claim with one 's personal auto insurer. I charged a recent car rental to the credit card. The rental car sustained some windshield damage. When I called Chase 's benefits administrator to file a claim, I was told that " primary '' coverage is not available to residents of New York State ( only secondary coverage is ), and that I would first have to file a claim with my personal auto insurance company. In its advertising for this card, and in the benefits guide that Chase sends to cardholders, Chase fails to disclose that primary auto rental collision damage coverage is only secondary coverage for XXXX.