davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have made several attempts to contact this company starting XXXX/XXXX/2017 then again on XXXX/XXXX/2017, XXXX/XXXX/2017 and on XXXX/XXXX/2017 because they are reporting negative information on my credit reports. I have asked them to provide me with proof that the account they claim is mine, which it is not and they have not provided me any viable evidence.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a CapitalOne issued XXXX credit card ending XXXX. I pay statement balance every month by AutoPay. Where I had used XXXX XXXX XXXX XXXX XXXX to withdraw from til XXXX 2017, I switched the AutoPay to Fidelity Bank. CapitalOne withdrew total payments in XX/XX/XXXX & XXX 2017 from this new bank, but without my input they billed my previous bank XXXX XXXX XXXX XXXX XXXX for the XXXX 2017 payment, which was rejected. They sent me an email of this and readily that balance was paid and they reversed the non-payment fee. Whereas XXXX XXXX XXXX XXXX XXXX billed me their fee of {$33.00} for " Insufficient fund ''.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

XXXX   -  XXXX  re ported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with   XXXX   XXXX   XXXX   XXXX  .  <P/>  XXXX   XXXX  reports  FICO score d ropped  XXXX  points same day as  XXXX  30 day late report hit the bureau.  <P/>  XXXX   Amex Credit Limit d ecrease ( never been late or slow on any payments and paid more than minimum amount )  XXXX    XXXX   XXXX   XXXX   XXXX    Credit Limit Decrease ( never been late or slow on any payments and paid m ore than minimum amount )  XXXX   XXXX  Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.  <P/> Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.  <P/> Please help me. I do n't have money to go and hire a credit lawyer or anything like that.  <P/> I have statements from  XXXX  showing that my account is in good standing and that it is paid off but they will not update my report.  <P/> How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?
Consumer complaint received 2024-03-09
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CT)

I was late on XXXX diff payments since XXXX always under XXXX the date payment is due is on the XXXX of the month so I have to try and remember that. I always made the payment and late charge after notification, The store card had a XXXX credit line with my balance of XXXX, They dropped my credit line to XXXX. I have had and used this card for XXXX  years.I find this extremely harsh and unjust. When I called about it they then told me they were going to mail me the explantion for this.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My card was used fraudulently used in XXXX someone withdrew {$880.00} i filed a complaint with BOA prepaid and they said they will investigate while they temporary gave me credit. After 2 months BOA took the funds back leaving my account in the negative and no information given to me. Call times are longer then an hour and customer service agents don't seem to have any idea whats going on when i get hold of someone they all try to transfer me to another department that " can handle the case better ''.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (IL)

I filed a trip cancelation claim with Chase Sapphire Reserve benefit department on XX/XX/XXXX. 
I filed complaints with CFPB & XXXX because the benefit department lied and falsely denied my claim. 
The benefit dept says I am ineligible for refund of the canceled flight because the airline booked my final return flight for me. This is not only not true, it is false and a lie. I have sent them all the documents and proof to show I paid for original and return flight on my own with my credit card. 
My claim no with consumer financial protection bureau is XXXX I have attached documents that would show the original round trip booked on XXXX XXXX with my Chase sapphire reserve card. 
& XX/XX/XXXX statement of my Chase sapphire reserve credit card that would show {$88.00} I paid on XX/XX/XXXX with XXXX XXXX.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmerAssist A/R Solutions, Inc. (FL)

According to the United States Code this company does not have the right to report this inaccurate account from XX/XX/2019 on my credit profile. 

I've had AMERASSIST AR SOLUTIONS harassing me and sending phone calls at all hours of the day.
Consumer complaint received 2021-06-09
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: Experian Information Solutions Inc. (NJ)

I contacted experian and informed them that XXXX XXXX XXXX XXXX on XX/XX/2021 Pulled my credit against my authorization and they told me they wouldnt investigate it. 
Also XXXX XXXX XXXX XXXX on XX/XX/2021 as well. I told them under the Fcra that these items werent authorized and needed to be removed and I was told by XXXX that it wouldnt be investigated
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (NC)

This company does not disclose to a consumer in their statements regarding special interest rate expiration nor does it show how much fees/penalties/interest will be assessed at the end of that special interest period. There is not indication on the statement of any interest to be charged in the event the full amount is not paid back before a certain date. This needs to be included on all statements.
Consumer complaint received 2022-03-03
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

On  X/XX/2017    I applied for  a Citi Double Cash cred it card and was approved. On  XX/XX/XXXX  I received a voicemail from someone claiming to be  the Citi fraud  department stating my card had been stolen and I needed to return their call ; however, when I Googled the number that called me it said it was a scam and not to call the number back. At this point I still had not received my card or been able to activate it. I finally received my card in the mail on  XX/XX/XXXX and attempted to activate it on  XX/XX/XXXX . When speaking with the  Citi represen tative she requested I give her my cell phone number so they could send me a text to confirm it was me ; however, she stated the text message would not go through and requested another number, I gave her my husbands cell phone number which also could not go through. At this point she requested I give her another credit card number (  16  digit card number ) and the balance of the card, I refused to provide this information because there are many other ways to confirm someone 's identity. The representative did not give me any other options and would not get a supervisor to assist me in opening my card. I have called at least 5 times in the pa st two days to t ry and speak to someone who will assist me in opening the card and immediately closing it. Every time I call they tell me that a supervisor will call me in  24 hours ; however, it has been over 24 hours since I called and I have not received anything. It is beyond frustrating to deal with Citi and all I want to do is close the card.
Consumer complaint received 2017-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I reached out to Navie nt 2 weeks ago wi th the CFPB recommended payment letter explaining how I want my payments allocated.  <P/> I sent another email 2 days ago requesting confirmation that the letter was received.  Navient responded saying that they received my letter but I would need to send one with every payment.   <P/> I called navient on  XXXX  stating that my instructions were for all payments going forward. I also explained that their website does NOT state that a letter needs to be sent with each payment. Their instructions only state that you can reach them by writing a letter.
Consumer complaint received 2017-06-09
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. (OR)

Trans Union is  showing that I have an adverse account with   XXXX   XXXX   XXXX  . The original account was with   XXXX   XXXX   XXXX  . I have submitted a dispute with  Trans Union sta ting that this account was included in my bankruptcy. I have uploaded the supporting document  XXXX  showing that the   XXXX   XXXX   XXXX   account indeed was on my bankruptcy. They came back stating the information on my credit report is accurate. It is not.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lustig, Glaser & Wilson, P.C. (RI)

I received a copy of my credit report and it showed a Public record on it when I followed up on it I found out that this is not my debt and it now its on my credit reports. When i contacted the  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX , all he said was that he does not report to credit bureaus so there was nothing he could do. He filed this suit with the wrong social security number and now i have to pay the consequences on something that is not mine. He should contact the court that he filed this in an either withdraw or amend this. I want this off my credit reports.
Consumer complaint received 2017-06-09
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. (MN)

I have had the same  XXXX  student loans reporting on all  XXXX  credit reports since  XXXX , but as of  XXXX   XXXX   XXXX  my Transunion credit report is showing my loans twice.   I am in the process of consolidating my student loans with  XXXX   XXXX , but they have not made any moves on the consolidation as of today, so these duplicates decided to just show up out of nowhere doubling my number of negative accounts and dropping my  credit score ( FICO  )  XXXX  points!!   I can not do another dispute with Transunion due to an open dispute with them in regards to a cellular phone bill that was opened by someone else in my name without my consent.   I have been working very hard trying to repair my credit and to seen this drop in my  credit score wa s disheartening.     I need to have these "   XXXX   XXXX   '' removed from my report ASAP.     Thank you.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am a victim of Identity Theft. Someone has placed things on my 3 credit bureau reports and they also filed bankruptcy in my name without my consent or knowledge. I sent the complaint to all 3 credit bureaus along with multiple attachments as proof. By law, the 3 bureaus had 4 days to block the information relating to the identity theft. Out of the 3, only 1 has done anything and they ONLY annotated that the bankruptcies were " in dispute ''. All 3 of these bureaus should have blocked this information immediately and they have not.
Consumer complaint received 2017-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Five years ag o we entere d a Chapter   XXXX  Bankruptcy agreement in an effort to retain our existing home. The agreement involved making our monthly payments and we did. In  XXXX  ou r Chapter   XXXX  was official ly discharged. We proc eeded to pursue to refinance with an alternate lender  b/c Wells Fargo was a  terrible business partner and rigid. As we proceeded to refinance, a payment history was requested by our retained lender and consistently reported the account as not current. The payment history reflected  XXXX  not current-which was n't the case. After callin g Wells Fargo for h elp, I was informed that I need to request a review in writing and faxed-which I did on  XXXX . I was informed that I would have the completed review by  XXXX  and still have n't received the full reconciliation of the payment history. Today  XXXX , I called to inquire where this request was and was informed that it would not be done until  XXXX . Why if all payments have been received does it take almos t one mon th to figure out how much of my money they have received and provide me a true accounting. This has significantly impact my current refinance attempt likely increasing the interest rate and lots of wasted time.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NC)

I HAVE 2 UNAUTHORIZED HARD INQUIRES by Cbna Last Reported by XXXX XXXX XXXX 2017 - XXXX XXXX XXXX XXXX. Posted on my XXXX Credit Report that are not on my XXXX Credit Report. I have not applied for any additional credit cards as I only possess one credit card the XXXX XXXX to rebuild my credit. The rest of my processes are for credit repair. Please investigate and remove thes two Hard Inquires from my XXXX Credit Report. I contacted CBNA Customer Service but obtained no satisfaction.
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

I received a call in 2018 about a debt I was supposed to have. I told them this is not mine. Please provide documentation on this debt. I got a few papers from the original company who,, I assume held the debt. I spoke to them a few months later telling them I did not get anything stating I owed them money. They put numerous bad marks on my credit. They told me they would continue until I paid it. I again called them just today,, they told me to file a police report on something from back 4 years ago. And also told me today they will continue to post it on my credit report. Which will not allow me to buy a home or a car. I just want it off my report. I did not have this credit card or account.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (OR)

PLEASE DO NOT SHARE MY PERSONAL INFORMATION SUCH AS ADDRESS. THESE PEOPLE THINK I AM LIVING IN CALIFORNIA AND CLAIM TO HAVE MAILED LETTERS WHICH I HAVE NOT RECEIVED ANY FROM THEM. I received a call on XX/XX/XXXX at XXXX from an unknown number at my work place. A woman by the name of XXXX XXXX asked for me and once I confirmed, she said that there had been a " complaint filed against my social security number and she proceeded with her disclaimer this is an attempt to collect a debt so on and so forth. She then mentioned that a Male by the name of XXXX XXXX would be calling me to discuss the details. I asked her to not call me here and provided her with my cell phone number. She politely agreed to make my personal cell phone number the only number on the account to call. I mentioned to her that I was at work, and that if I was n't able to answer, to have this XXXX guy leave me a message with a call back number and would try to call during a break. Shortly after, I received 2 missed calls. The first was from XXXX again and then from XXXX. They both were requesting a call back. I called XXXX directly since XXXX seems to be the middle person attempting to reach consumers. He started somewhat with a normal tone that quickly went south when I started requesting a mailed copy of the itemized bill for purchases made including dates and times as well as amounts and locations since I have been filing Identity Theft Affidavits with the IRS because someone used my social security number in XX/XX/XXXX-XX/XX/XXXX and the extent of the damage is still unknown and being investigated by myself. He raised his voice at me saying that this case was being filed on Monday and that there was no time to provide me with any paperwork. I continued calmly and stated that because of my IRS Affidavit filed, that I had the right to obtain that paperwork for my safety and fair claims. He continued to say that I was the irresponsible one for not being able to pay my bills and that he wished me luck and was going to make a claimer that I " refused '' to pay the debt when in fact all I asked was for proof of purchases made on that account to be able to verify before agreeing to any payments. He said there was no time for that since it was being filed on Monday XX/XX/XXXX. He hung up on me and I called him right back. He then answered as a XXXX when he had previously said XXXX. The voice message that I received clearly says he is XXXX XXXX ( I have the message as proof ). I was on my lunch break during this call which was from XXXX to XXXX. When I returned to work, my supervisor mentioned that she received a call ( verified that call was received again from an unknown number at XXXX ) from a XXXX XXXX for me. She said that I had stepped out and if she could help with anything. He then went ahead and asked to speak with my supervisor. Little did he know that he was already speaking to her. He then hung up on my boss which is also a licensed XX/XX/XXXX here.