davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get information from the bureaus about my credit file. The are not responding to my request and it has been almost 4 months and 2 request made within those 4 months.
Consumer complaint received 2020-07-22
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 (MO)

I checked with CapitalOne on XX/XX/XXXX to find out my credit card balance and was given the amount of {$1700.00} by their system and online. I paid the balance in full, as I was considering closing the account. 
On XX/XX/XXXX, I found out that CapitalOne had not updated my information with any of the credit bureaus since XX/XX/XXXX and when I went to my CapitalOne account, it now shows that I have a balance of {$14.00} added XX/XX/XXXX. I have not used the card since I paid it off on XX/XX/XXXX. The charges are for Cash Advance Interest {$1.00} and Purchase Interest Charge {$13.00}, plus they are charging daily interest on this balance. 
CapitalOne is charging interest on a {$0.00} balance and also charging daily interest on the interest? This can not be legal. 
I contacted the company and was initially told in so many words " You do not understand, we can do this. ''. I contacted the credit bureau and was advised to try one more time to speak with the company before filing a complaint with them. I called CapitalOne again and spoke with another supervisor who informed me that although it " appeared '' that I'd paid my balance off, there are interest fees that accrue daily and those had not been included when I made my payment. I asked how was I to know that there were other charges when both of their systems ( phone & online ) provided me with the amount due? I was told that I should have spoken with an actual person, a CSR. How was I supposed to know that their system doesn't provide accurate, updated information? Then I asked if they would waive the {$14.00} fees. Not only did CapitalOne refuse, they also said that they are charging interest daily on it and as of today, the amount is {$14.00}! How can companies get away with doing this to people - especially during a pandemic????? I know it is less than {$15.00}, but it is the principle of the whole situation. I paid the balance - or so I thought, because I was thinking of closing the account. I paid and closed some others at the same time as well. 
But these guys are trying to hold consumers under their thumb with these fees that make absolutely no sense - with horrible customer service to top it off. 
Is this legal? I want to file a complaint and ask that the FTC and credit bureaus launch an investigation into CapitalOne 's practices. Charging interest on a {$0.00} balance and then adding daily fees on the interest that should not be there in the first place??? This can not and should not be legal. 
By the way, this is just a regular platinum credit card. Not a pre-paid, green dot or whatever or anything like that with special terms and stuff.
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (TX)

I had insurance because i was XXXX at the time and i guess they didnt update it into their system and i received multiple letters saying that i have to pay {$3000.00} and {$2500.00}. The date for the XXXX was sent out sometime in XXXX XXXX  2017 and i believe the XXXX can about just a couple months later. There was just not enough information for me on why i was being charged this if i had insurance
Consumer complaint received 2018-06-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Per the agreement with Bank of America through a CFPB complaint XX/XX/2017 ), they have agreed to contact the appropriate consumer reporting agencies to report that the account was paid in full with a XXXX balance and that there was no prior history of delinquency. This was fulfilled with XXXX and XXXX, but still remains on the XXXX credit report.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection. It's showing a balance of {$3700.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : INACCURATE Balance : Should be {$0.00} Last Reported : INACCURATE. 
Date Last Active : INACCURATE
Consumer complaint received 2018-07-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Phelan Hallinan Diamond & Jones, PC (PA)

The only response this criminal and looting organized had is describe below. This looting organizer are the real face of the most corrupted financial institution in this planet. This is the company we are dealing with and lying in order to cover their criminal and fraudulent activity that must be stop permanently. The Consumer Financial Protection Bureau is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives not allow criminal and looter organizer like Phelan Halinam to defraud people and disrespect CFPB with deceiving tactics and cover up of their criminal activity. Financial scammers institution will go to any extreme to defraud consumer. 
The Consumer Bureau advocates strongly for consumer control of the consumers data and transparency. Phelan Halinam ca lie but not with my family They will pay {$260000.00} regardless of their criminal activity and their death treats done via XXXX .This garbage will never intimidate me this will only make me storing The new Management of CFPB is to reach to state holder in order to hold more town halls meetings since CFPB intention is putting consume above financial that cheat them. Today, the Consumer Bureau is releasing a set of consumer protection principles intended to reiterate the importance of protecting consumers as the market for services using consumer-authorized financial data develops.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MI)

Im a XXXX year old who has been sued by Asset Acceptance LLC for a {$300.00} credit card that was paid off in XXXX. The company had already taken over {$6000.00} and the judge told me that if I filed another complaint against the company, Id be thrown in jail! I do not owe this company. Theyve taken over {$10000.00} from me. Over {$800.00} was taken out of my account today, XX/XX/XXXX. My taxes, bill money, and social security has been taken by this company. I have no one to turn to and Im behind on bills and about to be thrown out of my home.
Consumer complaint received 2020-07-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (TX)

I am a recent victim of a scam artist. Something I didn't even fathom would happen to me. I sold some furniture on line and the person paid me with a certified check and because of the amount XXXX {$1800.00} deposited on XX/XX/XXXX ) they needed me to take out the fee of the furniture ( {$450.00} ) and send the {$1400.00} ( sent XX/XX/XXXX ) to the movers to cover fees. I didn't think anything of it because many companies move employees and will send a check as payment. The next day ( XX/XX/XXXX ) I get a bank notification of my account balance of being XXXX in which I am devastated. The person of course can't be reached at all. I called my bank, XXXX XXXX XXXX and made them aware of the situation and the told me because it was through XXXX there was nothing they could do. I have some upcoming payments that will cause me overdrafts fees and I don't get paid for another two weeks. Not to mention I planned on taking care of other household needs with that money including moving for next month.
Consumer complaint received 2020-07-22
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. (MD)

I filed a bankruptcy in XXXX of 2020. I disputed items that were in that bankruptcy with the three credit bureaus. The items have been updated properly on one bureau. But your bureau did not properly update them. 
Federal law requires that you update the present status of an item or remove it after dispute. I provided copies of my bankruptcy schedules clearly showing these three items. I have attached them to this complaint. 
The items that should be listed as " Included in Bankruptcy '' are : XXXX XXXX XXXX XXXX ( Acct. XXXX. XXXX XXXX XXXX XXXX XXXX ( Acct. XXXX ). And XXXX XXXX ( Acct. XXXX )
Consumer complaint received 2020-07-22
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: CITIBANK, N.A. (NC)

On XXXX I authorized a charge for {$1100.00} to XXXX XXXX XXXX. When I received my statement i did not recognize the charge. I am a Senior Citizen and forgot the authorization. I notified Citicard Fraud and they cancelled the card and issued a new card. they informed me in the next statement in XX/XX/2019 that the charge was removed from my card because the matter was under investigation.later i remembered that i did in fact make the purchase for my daughter who lives in NY where the charge took place.I notified citibank that i indeed authorized the charge and there was no fraud and it was my mistake and the merchant had been paid by cash. The merchant XXXX XXXX XXXX demanded payment since the charge was denied by Citicard. I sent a check in XXXX for the {$1100.00} fee to my daughter to pay him. He has never received a payment from Citicard for anything to this date. He was paid in cash for the pool work. 
On XX/XX/2019 i received a letter from Citibank that i no longer disputed the charge and they put the charge fo {$1100.00} back on my account on XXXX XXXX merchant never got any money from Citicard and i have called and spoke to Citibank at Least 18 times about the issue. I cant understand the persons i am talking to an dthey are extrmly polite but cant change anything for me or take the {$1100.00} off my account. I want the {$1100.00} removed from the account.
Consumer complaint received 2020-08-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I apologize for the delay in my payment.i was laid off from my job and the financial stress had caused me to fall behind on my payment.as your records indicate I have been an excellent customer with a good payment history until the economy took a dive.i enjoy being a loyal customer of Toyota motor credit corporation an I would greatly appreciate it if you would give me another chance by deleting the 30 day late payment mark on XX/XX/2019 on my XXXX  credit report.thank you for taking the time to read this letter.
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

They had properly removed a bad debt for XXXX XXXX for a {$10000.00} balance that was last paid on XXXX/XXXX/2008 however recently they added it back and when I disputed it for being over 7 years old ( past the allowable reporting period ) they have refused to remove it.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group (TX)

I have attempted to contact the debt collection agencies to inform them that i am a identity theft victim. The following companies keep reporting erroneous information that caused a financial hardship and stress. These companies are : Phoenix Recovery Group-contacted them since XXXX, {$6100.00}, XXXX XXXX XXXX XXXX XXXX, {$5500.00}, XXXX XXXX XXXX  contacted them XXXX XXXX, {$3600.00}. I do not know about any of these collections and i hope that you can help me. I continue to receive annoying calls from the above agencies.
Consumer complaint received 2018-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: SUNTRUST BANKS, INC. (MD)

On XX/XX/2018 I engaged SunTrust to wire money to a recipient in XXXX. The " date of availability '' listed on my receipt is XX/XX/2018. The money has not reached the recipient and the recipient needed the funds by the end of XX/XX/2018. SunTrust sent out a tracer request on XX/XX/2018 to find out what has happened to the funds. SunTrust has used XXXX XXXX XXXX as a " pay through bank '' and placed an inquiry with XXXX XXXX XXXX. SunTrust claims that XXXX XXXX XXXX has not responded to its requests for information. It is now XX/XX/2018 and I have not received any information about where the funds are and SunTrust says that they can not tell me when XXXX XXXX XXXX will respond to its requests for information.
Consumer complaint received 2021-08-08
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. (NJ)

Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership XXXX XXXX XXXX XXXX XXXX along with XXXX 's support team could not fix. With help from NJs Lemon Law Team through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX ( which owns XXXX ), and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made a XXXX XXXX payment, but XXXX XXXX requested a check from XXXX because the account was placed in a protective status. The car was returned on XX/XX/XXXX because of the defects and all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.
Consumer complaint received 2018-03-28
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MN)

I was given a {$200.00} American Express Gift Card from my former employer a 3-4 years ago. The card is clearly marked on the front of the card with an expiration of XX/XX/XXXX ( XX/XX/XXXX ). The back of the card also clearly states " Funds do not expire ''.

Went to use the card on XX/XX/XXXX and the store told me it had a XXXX  balance. Didn't think I had used the card so I called the customer service phone number on the back XXXX to find out why it had no balance. Long story short - they told me it was a state/federal law that required them to XXXX the account one year from issuance. They told me they cold re-issue the {$200.00} balance - but they needed to talk to the person the card was issued to ( former employer HR department ).

American Express contacted the HR assistant at my former employer and told her she needed to email them various pieces of personal information, i.e., DOB ... then they could re-issue the {$200.00} balance to the card. The HR assistant is not comfortable with sharing that information.

Reached out to American Express a second time and tried to speak to a manager to try and get this issue resolved. Long story short I was transferred to their XXXX customer service department - which could not put me in touch with a manager. I was told there was no manager on site, I was not allowed to leave a message and my only option was to continue to call back and hope I caught a manager ... What the XXXX!

American Express is stealing the {$200.00} and it's a complete travesty that they can clearly advertise an expiration date that's completely false. It's ridiculous what they are making me go through after I've spent thousands of dollars with their company.

The card was issued in the state on MN and MN Gift Cards do not expire per a XX/XX/XXXX state law. I want my {$200.00} back!
Consumer complaint received 2022-01-07
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to file a complaint about fraudulent use of my identity by XXXX XXXX. I have recently discovered that my credit was checked and I have a hard inquiry by these companies without my permission, and I have no knowledge of who they are or what they do. 

I strongly believe that this action constitutes identity theft and a violation of my rights as a consumer. I never gave any consent or authorization for XXXX XXXX  to access my credit information, and I have never had any business dealings with them. 

I request that any negative information associated with these unauthorized inquiries be removed from my credit report immediately. I also request that an investigation be conducted into the matter to determine how my personal information was obtained and used without my knowledge. I want them deleted now. 

I appreciate your prompt attention to this matter and look forward to hearing back from you soon.
Consumer complaint received 2022-09-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one auto finance via its agents/ employer XXXX.I wrongfully repossession vehicle with out proper disclosures The Bureau of Consumer Financial Protection ( Bureau ) is issuing this Compliance Bulletin regarding repossession of vehicles, and the potential for violations of sections 1031 and 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Acts ( Dodd-Frank Act ) prohibition on engaging in unfair, deceptive, or abusive acts or practices when repossessing vehicles. The Bureau intends to hold loan holders and servicers accountable for UDAAPs related to the repossession of consumers vehicles. 

Under the Dodd-Frank Act, all covered persons or service providers are prohibited from committingunfair, deceptive, orabusiveactsorpracticesinviolationoftheAct. Anactor practice is unfair when ( i ) it causes or is likely to cause substantial injury to consumers ; ( ii ) the injury is not reasonably avoidable by consumers ; and ( iii ) the injury is not outweighed by countervailing benefits to consumers or to competition.2 Whether an act or practice is deceptive is informed by decades of precedent involving Section 5 of the Federal Trade Commission Act.3 TheDodd-FrankActprohibitstwotypesofabusivepractices. First, materially interfering with the ability of a consumer to understand a term or condition of a product or serviceisabusive. Second, takingunreasonableadvantageofstatutorilyspecifiedmarket imbalances is abusive. Those market imbalances include ( 1 ) a consumers lack of understanding of the material risks, costs or conditions of a product or service, ( 2 ) a consum ers inability to protect their interests in selecting or using a product or service, or ( 3 ) a consumers reasonable reliance on a covered person to act in their interests.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a Bankruptcy ( BK ) listed on my credit report. It may belong to somebody else with the same name as me and is on my report in error, I am not sure. I have attempted to fix this issue with the three bureaus, though unsuccessfully. I have sent monthly dispute letters via certified mail. All three bureaus claim the BK was " verified as accurate ''. XXXX stated they verified the account through third party XXXX. This is not possible because I have confirmation from XXXX that my account has a security freeze placed so they are not providing info to anyone regarding my account AND they sent me a letter confirming they removed the listed BK in compliance with the Fair Credit reporting Act ( attached ). This proves that XXXX did not verify through XXXX. XXXX stated they verified the account as accurate through " the company that reported the bankruptcy ''. They did not provide info regarding who reported this error. I did contact the Court that XXXX listed and they stated they did not report it nor did they verify it as accurate. TransUnion stated they verified it as accurate and provided no further information. TransUnion also states on its website that it verifies BK using XXXX. At this point I am at a loss as to where or who I need to contact to have this very harmful error fixed