davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express tried to debit an unauthorized amount of {$900.00} out of my checking account, when I had a {$0.00} below ( I did not owe them anything ), causing me to get a returned payment fee with my bank and American Express. When I called American Express to report this, they acknowledged I did not owe anything, but said I tried to make the payment, so they would not credit me back the fee. I told them I definitely did not make a payment of {$900.00}, when I had a {$0.00} balance ... that just does n't make sense. All I wanted was for them to remove the fee they were charging me for THEIR mistake, but they refused to do that. I then asked to speak with a manager and they just transferred me around to other people with the same job title, putting me on hold each time, never putting me in contact with a manager. This is ridiculous. They need to be held accountable for this.
Consumer complaint received 2021-03-26
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. (NY)

yes i have contacted this company to have the wrong inforamtion they are reporting removed from my account and yet it is still showing well after the time frame that was allotted for them to do so.
Consumer complaint received 2021-02-25
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2018-07-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MI)

XXXX  CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX   XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX XXXX XXXX XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XXXX {$2800.00} Account Details Last Reported Collection Agency Original Creditor Status Opened Date Closed Date Responsibility Balance High Balance Remarks XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX BANK Open XX/XX/XXXX -- Individual {$2800.00} {$2800.00} Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2021-03-28
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: Persolve, LLC - Legal - Series 2 (CA)

XXXX  XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/XXXX XXXX Account number XXXX Account XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX XXXX XXXX didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have requested a lower or 0 % apr for a few months. I have a large amount on my card and I have been out of full time work for over a year. I also was positive for covid and almost lost my life due to a XXXX  XXXX report and XXXX XXXX in both XXXX. I still use XXXX. It will take some time to get back my health so I can earn a better living like I used to. I can not make any lead way to getting the debt paid with all the high interest. The cares act is supposed to help. i have not been able to get any government help because they still have an old checking account. 
This has been a horrible time for my son and I. 
I pray there will be some efforts from these credit card companies.
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: FC HoldCo LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
Consumer complaint received 2020-11-15
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over, 45 days later, I have yet to receive a response. I feel as if I am being taken advantage of and/or being ignored throughout my dispute process. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days. Therefore, these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this lengthy process has caused me. My information was also impacted by the XXXX  data breach and may have been placed in the hands of the wrong person.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

My partner and I opened a new checking account at PNC Bank online on XX/XX/XXXX. 
We completed an electronic transfer {$1000.00} each from our respective checking accounts at XXXX  XXXX XXXX and XXXX XXXX XXXX on the same date. 
As of today XX/XX/XXXX, the {$2000.00} we transferred to this new PNC checking account have not been made available to us. 
And, as of XX/XX/XXXX our access to the account on line has been revoked. 
We have made multiple phone calls to their customer care, and retail service departments as well as personally visited two of their branches, XXXX XXXX XXXX branch in XXXX on XX/XX/XXXX, and XXXX XXXX branch in XXXX XX/XX/XXXX without any results, or explanation for the hold. 
As of today, PNC bank has been holding our {$2000.00} for over 40 days without any reason whatsoever, leaving us without recourse in the matter. 
We find PNC 's actions abusive as this funds are needed for our subtend.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

At certain times during the past few months, I noticed that one of my credit card balances was incorrect/wrong, either as a result of a compromised account or late postings to my account, for example. Unfortunately, I had to purchase items, such as household products, personal hygiene items, soap, hand sanitizers and other related miscellaneous products including, but not limited to food selections to alleviate any/all food insecurity that I was and/or am currently experiencing as a result of COVID-19. In order to comply with CDC guidelines regarding ways to stop the spread of the novel coronavirus, COVID-19, I find myself in debt today, XX/XX/2020, with little relief in sight. Additionally, I am recovering from XXXXXXXX XXXX that occurred in XXXX, 2020, and I was told by a bank representative that some leeway is available to consumers who can't make full balance amount payments as a result of sickness, such as XXXX. Apparently, that is not entirely true. Coupled with the financial hardship of COVID-19 is the financial hardship that I am experiencing as a result of XXXXXXXX XXXX and XXXX. When I inquired about financial assistance due to sickness at my bank, I was told that the only financial assistance that I could access was the ( elective ) financial assistance provided as a result of COVID-19. 

I feel as if my bank is trying to rip me off, and furthermore, the bank does not seem at all interested in my personal financial hardship due sickness. The only financial assistance option provided by my bank is related to COVID-19 financial assistance, not assistance related to the fact that I was sick ( and recovering from ) with XXXX. My XXXX XXXXXXXX XXXX XXXX began in XXXX, 2020 and ended in XXXX, 2020, with one more procedure forthcoming, which needless to say was/has been delayed due to COVID-19. 

What are the the general banking rules with reference to credit card balances that can not be paid in full, when a consumer, such as myself, is stricken with XXXX? I would like to access more information about the " sickness '' related ( clauses ) policies and/or rules, for instance, that are implemented when a consumer can't pay their credit card balances in full as a result of sickness? 

One of my main concerns pertains to late fees ( which may be waived by the upon request ) but what about compounded interest accrual that is being charged during an unprecedented pandemic, when interest rates are too high to begin with for the bank ( s ) to fairly charge interest on balances that a consumer, such as myself, can not pay in full as a result of this pandemic, COVID-19? The bank 's current offering is unfair, could jeopardize a consumer 's personal credit history/score as well as compromise future access to credit and/or borrowing/lending options, for example. My bank current financial assistance offer is not good enough.
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

Failed to respond to my disputes. I have been sending in disputes for 4 months, and I still have not gotten a response. The Credit Reporting Agencies are not following the law. My credit file is important to me. Please!!!
Consumer complaint received 2017-12-28
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: James E. Albertelli, P.A., a Florida professional association (TX)

I received a letter from XXXX XXXXXXXX XXXX Representing Law Firm in XXXX, Texas and they are threatening to foreclose my home and throw me on the streets of XXXX, Texas with my XXXX Lifetime. The Law firm also want s to collect {$250000.00} and put a Lien through XXXX XXXX Courts. 
XXXX XXXXXXXX XXXX and its business partners XXXX XXXX XXXX XXXX, Texas, XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX are all in Fraud alledgations in stealing the Federal Veteran Administration around {$240000.00} on XXXX XXXX and now XXXX XXXX XXXX is trying to send me to court to collect {$250000.00} and put my home in Foreclosure to cover up on my VA Loan. 
VA Lender does n't care about our US Military Veterans and does n't care about our XXXX Citizens and Military Veterans. 
XXXX XXXX and XXXXXXXX XXXX representing Attorneys XXXX XXXX has started court procedures in Texas with a case # XXXX This why XXXX XXXX XXXX and XXXX XXXX XXXX has been doing since XXXX XXXX VA Loan Modifications in prolonging for time to Foreclose my home and collecting {$250000.00} I am XXXX Lifetime and Retired and Divorced and I live alone in my home since XXXX XXXX. 
There is a major Fraud with my VA Loan and purchase process that needs to be Investigated by Federal Government. 
XXXX XXXXXXXX XXXX, XXXX XXXX and Investors and Attorneys of XXXX XXXX knows about my Bankruptcy Chapter XXXX that was filed on XXXX XXXX and it was Discharged by Federal Judge in XXXX, Texas on XXXX XXXX. 
Is this how financial institutions treats our US Military Veterans and XXXX Citizens in America. 
I am contacting Journalist XXXX XXXX on my story to be televised Nationally and with XXXX.
Consumer complaint received 2022-04-07
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: EQUIFAX, INC. (MS)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XX/XX/2014 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2023-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

have disputed an adverse action that was taken against me based on information in my credit report in the past and you still continue to report it why? 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 603, Subsection ( k ) ( 1 ) ( b ) ( i ), which requires credit reporting agencies to provide notice to consumers when an adverse action is taken based on information in their credit report. 
I am requesting that you investigate and correct the inaccuracies in my credit report. 
The specific items I am disputing are : Accounts 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 XXXXXXXX
Consumer complaint received 2018-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NY)

To : Consumer Financial Protection Bureau. This is to inform that I disagreed entirely with XXXX XXXX XXXX XXXX ( XXXX ) XXXX company 's answer because they stated that I received a letter from XXXX XXXX XXXX dated XX/XX/18 saying there is a charge for missing key when I never received any letter. 
My default was inadvertent and reasonable since I was never properly served and did not have knowledge of this action. Also in my effort to resolve this issue with XXXX XXXX I went  personally to the XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, NY XXXX, and returned the second XXXX XXXX car key and gave it to the Sales floor manager. 

Also I contacted XXXX XXXX dealer after returned the car key to be sure everything was OK and I spoke with another floor manager by name XXXX who was rude, and talking to me in very inappropriate manner refused to help me and I had to disconnect my conversation with this person. 
I am not a happy customer at all and After I finished my current lease I am not leasing or buying anymore vehicles with XXXX XXXX or XXXX XXXX ; and I am still disputing this charge on my name because is incorrect and not acceptable. 
I am very concern about any negative mark on my personal credit report. 
because they sound not be reasonable and careless. I appreciate any assistance on this matter. Thanks
Consumer complaint received 2021-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been sending letters to the Bureaus for 90 days. They always tell me the same thing. Keep saying it is accurate. They do not show original documentation on the items on my credit file. The XXXX XXXX system says everything suppose to be 100 % accurate. Nothing on my credit file is correct. They have not been responding to my disputes in a timely manner. I'm uploading only a few errors that is on my credit file. That is just the start.
Consumer complaint received 2020-10-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXX has a garnishment on my wages and have started to garnish my paycheck for a credit card debt that they had a default judgement on I have called them on XX/XX/XXXX to discuss and talked to a man who said his name was XXXX XXXX who stated that he could not talk to me about my account because there was an internal review on it I called XXXX funding back on XX/XX/XXXX and talked to the same person who stated that I needed to contact the attorney XXXX XXXX which I have called her on XX/XX/XXXX left a message no return phone call from the attorney after further research I had created an account XXXX to resolve this account and the account is not in the system my tax return was garnished for XXXX of XXXX which the court has a copy of also my tax return for XXXX was garnished in the amount of XXXX the court does not have a copy of XXXX garnishment of XXXX now my wages are being garnished for an amount of XXXX and no one is able to discuss my account with me but they are able to garnish my wages. I believe XXXX XXXX is overcharging me and they will not discuss my account with me I don't understand how XXXXXXXX XXXX a huge debt collector can't discuss my account with me and the attorney they hired will not answer the phone and my account seems to be a ghost since I can't even see what is owed or what was paid but they are able to garnish my wages and not speak to me about it I went to the courthouse and ordered the file and have found that there was no Account level documentation in that file alls there was, was an affidavit from a XXXX XXXX saying I owe this money. A distressed consumer with nowhere to turn.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OR)

I get repeated calls from this debt collection agency and every time I answer it, I say 'hello " 3-4 times and the call ends on their side. I am working when these calls come in and it is unacceptable. Today I finally took time from work to call this phone number back. I reach an agent with Midland Credit Management. Allegedly they 'bought ' a debt from XXXX. I asked this person for a debt validation letter to which she responded " We sent you one in XX/XX/2021 and can not send another but we upload all documents to our website that you can access ''. I educated this person that I am not comfortable entering identifying information on an unknown website and asked, again, for signed documentation that this debt belongs to me and a copy of the debt validation letter allegedly sent to me this year. The person argued that they can not send a new letter. Educated person that I am only requesting a copy of the letter they are stating they sent to me as I never received the first one. She said they can not access documents to resend and again referred me to the website. I explained the the person that if they are sending me anything that they should be saving/uploading the original letters and they should be accessible to be resent. This person and this agency is refusing to provide me with any proof that this debt is mine in addition to refusing to send me a debt validation letter via MAIL. I was on the phone with this person for 17 minutes and when I told her to give me the company website, name and address and mentioned filing a CFPB complaint she told me that she was having technical difficulties and I need to call back. I told her that is absolutely unacceptable. The call was ended.
Consumer complaint received 2020-10-26
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. (GA)

To whom it may concern, I sent a dispute letter for inaccurate personal info on XX/XX/2020 and I still have not gotten any results. I also, sent out a 60 day comply letter on XX/XX/2020 and still no results. At this point my FDCPA rights are being violatied.