davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (MN)

I opened an XXXX XXXX card to build and outfit a XXXX store location and after 2 years of making payments on time and have XXXX issues with the company, they decreased my spending power from a {$20000.00} limit to the amount I owed, {$14000.00}. I currently have automatic payments scheduled. No good reason, no excuse, just a demand for half the amount due XXXX {$7000.00} XXXX before they 'd reinstate my normal limit. I have never missed a payment, always more than the amount due and until my store opened I always paid in full, tens of thousands lump sum payments. They had no response as to why have a {$20000.00} limit if it ca n't be approached. It seems I am not the only business owned they have done this to after finding reviews.This has crippled my new business to the point of failure if it does n't get resolved immediately. This is nothing short of extortion. 

My credit card bills can be submitted to you in another fashion, it would't upload the entire file. I selected a few for review.
Consumer complaint received 2024-01-30
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. (IA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2022-04-07
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. (PA)

I am a current victim of identity theft. FTC report number XXXX. XXXX, XXXX, and Experian continue to report fraudulent activity to my credit profile. The following accounts and inquiries are reporting due to identity theft, and need to be blocked and deleted. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a consumer in pursuant of 15 USC 1692 a-3 failure to delete requested acconts will result in violation in pursuant of 15 USC 1681 ( b ) ( d ) ( g ), damages will be sought in pursuant of 15 USC 78u-2.
Consumer complaint received 2020-11-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT FOE YEARS SOMONE HAS BEEN USING MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-09-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am sick and tired of having to spend so many countless hours trying to fix the mistakes created by both XXXX and Bank Of America. I am a XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of a XXXX that I intend to file if XXXX does n't remove the negative/inaccurate mark from Bank Of America. 

Final warning.
Consumer complaint received 2019-06-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (SC)

On or around XX/XX/2019 I deposited {$4000.00} in my Kia Finance Lease account to be used for monthly lease payments for the following year ( 12 months ). I transferred the money via an ACH payment from my checking account around that date and informed them that this money ( credit ) was to be used for monthly lease payments. Kia Finance could not figure out what that {$4000.00} was for and continued to draw money for the lease payment from my checking account ( {$330.00} ) instead of using the {$4000.00} credit on my account for payments which I instructed them to do. After realizing they were to XXXX to figure out what that money was for I requested they refund that money back to me. I was informed that they would only issue a check and that it would be 16 days. Four ( 4 ) + weeks have gone by and still have not received my refund. I have called these XXXX and have been told it will take time. Unacceptable.
Consumer complaint received 2017-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX XXXX dates late as of XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not recieving statements becasue i thought that loans were in defferment
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

In XX/XX/XXXX I signed up for promotion offer XXXX, spend {$2000.00} and receive XXXX bonus Member ship Reward points. I use several offers with American Express and they usually post a few days after meeting the requirements. On XX/XX/XXXX I received an email stating Thank you for using your American Express Card ending in XXXXX for XXXX Membership Rewards Points Bonus offer. You will have successfully redeemed the offer if your purchase meets the terms of the offer. The purchase or in this case, purchases did indeed meet the terms of the offer. I still have not received the XXXX bonus MR points.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I have a coinbase wallet. I bought there over the XXXX XXXX XXXX the following small cryptocurrencies for approximately XXXX XXXX XXXX : 1 ) XXXX  2 ) XXXX XXXX ) XXXX XXXX  XXXX  ) XXXX 5  ) XXXX  6 ) XXXX XXXX 7 ) XXXX  8 ) XXXX  9 ) XXXXXXXX  I want to swap this cryptocurrencies back to XXXX XXXX XXXX XXXX. So I made a swap from XXXX into XXXX of a small amount to test if everything works with the swap into XXXX. I made the swap over XXXX XXXX XXXX in my coinbase wallet. XXXX told me that they can see on XXXX  that I actually received XXXX  for the swap. But I can not see the XXXX  on the coinbase wallet. So XXXX told me : This is an issue with Coinbase not allowing users to send XXXX tokens directly to an XXXX  address ( pretty much all other wallets allow this ). To fix it, you'll need to contact Coinbase support, and have them transfer the XXXX  to the actual designated XXXX address in your Coinbase wallet. 
You will also need to give XXXX this link to the transaction ( as proof ) : XXXX XXXX XXXX Since they are in your Coinbase wallet ( but just not viewable ), only Coinbase support can make them available to you.

But the problem is that the Coinbase support never answers. I contacted them very often over their mail. So I will have the same problem when I swap some more of my XXXX XXXX XXXX  in this Small cryptocurrencies into XXXX  that I will not see the XXXX  I actually receive in my wallet. For me it is so much money and I want to have access to it again in the wallet. I think Coinbase should get forced to solve my problem or otherwise let their insurance pay me my money back. Coinbase did not tell me about the problem before I bought the small cryptocurrencies. So they did not give me enough information about their internal problems.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital one charged off my account at the beginning of XX/XX/2020 and continued to place negative late payment comments on my credit unt mid XXXX. Please remove all negative comments from my credit as you did not report accurately. Thank you
Consumer complaint received 2023-02-22
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: Southwest Credit Systems, L.P. (GA)

I have written several letters and given affidavits to the credit bureaus along with each company listed with police reports, letters and reported them to other related organizations, Matters still not resolved it has been a few years with evidence of these alleged debts and violations! 15 USC 1692g Validation of Debt
Consumer complaint received 2020-11-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT FOE YEARS SOMONE HAS BEEN USING MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXXand XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

The following is the summary of my dispute with XXXX XXXX for the total amount of {$910.00}, a purchase I never authorized, on my Chase Sapphire XXXX. 

On XX/XX/2022 I researched flights to XXXX and decided to purchase a 7 Day FareLock a flight to XXXX, XXXX for {$8.00}, which was initially billed on Chase Sapphire Visa Card @ XXXX AM. 

The 7 Day XXXX allowed me to reserve the stated ticket price and determine which flight to purchase within XXXX ( XXXX ) days or the XXXX would expire and I would lose the ticket with no further amount charged than the XXXX price. 

This expiration was an option I deliberately selected at checkout so that I WOULD NOT be automatically charged at the end of that 7 day period but the flight would simply expire. 

On XX/XX/XXXX, I discovered that XXXX XXXX had, on XX/XX/2022 @ XXXX, automatically booked, ticketed, and charged me for Flight 1 to XXXX, XXXX for {$910.00}, ( {$870.00} for the ticket, and {$41.00} for a seat selection ) a clear and obvious error in their computer system. 

This was not buyer 's remorse. I DID NOT AUTHORIZE THIS PURCHASE. 

My email receipt clearly shows I only purchased a " XXXX '' and clearly shows that there was an error in the expiration date for the XXXX. 

On XX/XX/XXXX, I promptly called XXXX XXXX to make them aware of this error and they refused to refund my money, only offering me a credit for a future flight, even though I did not agree to purchase any flight in the first place. 

As evidence I have the Email confirmation of my XXXX purchase for {$8.00} on the Chase Sapphire Card. 

In this email you can see : a. You can see the reservation expires data is incorrect, that the 7 Day XXXX expired at XXXX on XX/XX/XXXX and not XXXX on XX/XX/XXXX so not 7 days after purchase. 

b. You can see the email confirmation provides the option to purchase the ticket and not that it would be automatically purchased an option I deliberately selected. 

c. The Email explicitly states that only {$8.00} was charged to my Chase Sapphire Card , which was the only amount that I was paying. Further, XXXX has even admitted the ticket that was billed to me did not even have any passenger information included -- further evidence that I never purchased any ticket but was simply billed erroneously for it. 

Thank you for your prompt attention to this matter and helping me to rectify this error. As of writing this, XXXX XXXX refuses to reimburse me for this money, nor will Chase Credit Card.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-09-22
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. (TN)

I took out a loan for {$7700.00} with XXXX XXXX, I then received a refund from the school of {$3600.00} from XXXX XXXX - that was in XXXX. 

My balance should have been {$4100.00}. I have made payments of at least {$6100.00}, and my balance is still showing {$3600.00}. That means I 've only paid down the principal of {$470.00}. This is unethical business practices on the part of Navient. And I need help. 

I have more than paid for this loan and I am going through some tough times. I truly need this loan to be forgiven.
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

We updated our monthly service with XXXX in XX/XX/XXXX -- we built a new home. They failed to cancel a portion of our old monthly service. XXXX acknowledged the error and said they would update our file -- by phone, not in writing. They then sold our old account as a " bad debt '' to collection while we were on vacation, which resulted in a {$280.00} " bad debt. '' Contacted XXXX in XX/XX/XXXX -- they had no record of the charges but said they were unable to reverse the sale for collection. 
Since XX/XX/XXXX, the " debt '' has been resold multiple times. Our new service with XXXX has been in place since XX/XX/XXXX with a monthly charge of approx. {$350.00} per month. We have been a loyal customer of XXXX for over 30 years. Our past credit history has been excellent for over 30 years with no late payments or delinquent accounts. One credit collector deleted the debt in XX/XX/XXXX but since then, my dispute claims have been rejected and my credit report continues to be updated, which extends the " bad debt window for 5 more years. 
Please help us resolve this unjust treatment and retore the excellent credit that we have always enjoyed.
Consumer complaint received 2023-02-14
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. (KS)

This is another complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KS XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KS XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-10-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bepensa Capital, Inc. (MD)

I had a loan with AFS Acceptance in XXXX. I was paying perfectly never a late payment until my mother went into the hospital in XXXX. The loan was charged off in XXXX with me owing just over {$5000.00}. I disputed some incorrect information they were reporting and in spite they changed the amount that I owed. Every month they report this charged off account as a late payment and they continue to they charging interest on a charged off account. This was NEVER in the agreement that I signed saying I will pay interest on a charged off account. They amount owed is well over {$10000.00} now. That's double the amount that I owe. Since this account was charged off at just over XXXX at which point the account by law is closed to future charges. Per your agency 's guidance a debt collector may not collect any interest or fee not authorized by the agreement or by law. This company is obligated by the Truth in Lending Act to send monthly statements which I have not received. Under the code of the District of Columbia XXXX  the collection of or the attempt to collect any interest or other charge, fee, or expense incidental to the principal obligation unless such interest or incidental fee, charge, or expense is expressly authorized by the agreement creating the obligation and legally chargeable to the consumer or unless such interest or incidental fee, charge, or expense is expressly authorized by law ; Again I didn't signed anything stating this.
Consumer complaint received 2020-11-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX Account # XXXX {$160.00}, {$160.00} {$160.00} {$120.00}. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC1681 Section 602 States " I have the right to privacy. 15 USC 1681 Section 604 A, also states " A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Sections states " no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under Title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless -- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-06-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc. (MI)

I sent this company letters and so did the courts, this account was included in my bankruptcy case! They took this account off and reported as paid off closed, to only wait a couple of days to re add it back to my report! This account should have never been placed back on my account and I would like it removed.