davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (CO)

I signed up for a discover card in XX/XX/XXXX and was signed up for a payment protection plan through my discover card that I was n't aware of or gave permission to sign up for. I did not realize I was signed up for this until XX/XX/XXXX when I was checking my bills online. The fee for this is charged at the same time as interest rate so it looks like it is part of the interest charges each month. I am very aware that I did n't notice this charge for 7 years up to now, but now that I have found out and done the research on what they 've been charging me, I am very frustrated to sat the least. 

XX/XX/XXXX : I called discover to ask them about these charges and to get proof that I signed up for this program initially. They can not provide me with this information which is even more frustrating. They have decided to only refund 6 months of back charges for this program and this is n't acceptable to me. They need to dispute and refund the full amount. I never signed up for this program, I never gave permission for them to charge me for this, I have also never used said program. They signed me up for this program without my knowledge or consent and fraudulently billed me until I said something. Now they take their gains and refund only 6 months after taking and taking for 6 years. 

This is 100 % unacceptable, they need to provide me proof that I originally signed up for this program. They told me I said yes in a phone call in XX/XX/XXXX? What kind of XXXX is this ... 
I signed up for the credit card over the internet and only the credit card, not any accompanying programs they use to get money from people. I need someone to investigate this matter fully, I have 7 years of credit card statements showing charges from $ 10-75 each charge!!!?? This is honestly a scam and ridiculous and should n't be allowed. 

I repeat I have never signed up or used any program like this from discover credit card company and dispute all of the charges associated with it.
Consumer complaint received 2017-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I am in a class action suit against Wells Fargo for my complaint related to an unauthorized account. On XXXX/XXXX/XXXX Wells Fargo made an unauthorized direct deposit of {$85.00} to my bank account that was not earmarked and was unspecified and with no prior notification to try to offset the final settlement amount by forcing upon me {$85.00} to satisfy any financial harm without my consent or knowledge. 
This unspecified direct deposit noted only as " Customer Complaint '' was dated ( XXXX XXXX which my local Wells Fargo knew nothing about nor could tell me where it came from set off alarm bells as my bank account had previously been twice compromised after the XXXX breach. 
I received a letter in the mail onXXXX with no check as was mentioned in this letter it specified that they made an unauthorized direct deposit to my bank account. Wells Fargo could have sent a check in the mail along with this letter of explanation of what the {$85.00} was for thereby leaving me a choice to deposit the amount or NOT! Wells Fargo did not have permission to access my bank account make an unauthorized direct deposit. They breached my account. This is a deceptive effort on their part to deny consumers the ability to have a settlement in full! I will have to send a copy of notification and copy of bank deposit via mail.
Consumer complaint received 2024-03-13
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (CA)

I DID NOT APPLY FOR A SECURED LOAN WITH MY FATHERS CAR WITH ONE MAIN FINANCIAL. 

MY CALIFORNIA DURABLE POWER OF ATTORNEY GOES INTO EFFECT THE DAY IT IS SIGNED NOT WHEN I AM INCAPACITATED PER THE LANGUAGE AND ITS ADDITIONAL INSTRUCTIONS. 

ONE MAIN FINANCIAL FORGED MY ELECTRONIC SIGNATURE I HAVE A WITNESS. I TOLD ONE MAIN FINANCIAL IN PERSON AND IN WRITING I HAVE A POA MULTIPLE TIMES AGAIN IN WRITING ON XX/XX/XXXX TO STOP WHATEVER THEY WERE DOING. 

MY POA NAMED AGENT DID NOT AUTHORIZE THIS TRANSACTION It is not up to OneMain to recognize my POA. It is recognized by the probate laws of California. I never used any of the money that OneMain financial deposited into my account illegally. I want them to take back their money and refund XXXXXXXX XXXX. This is also elder financial abuse. My father is XXXX XXXX XXXX. He is a Primary on the car. He did not authorize this as a member of the XXXX community how many more social injustices do we have to go through before we are helped with equality OneMain financial already has a enforcement action against him for {$10.00} XXXX as of XX/XX/XXXX for these very deceptive practices
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (GA)

For my XXXX Statement ( XXXX XXXX ) with Apple Card ( serviced by Goldman Sachs ), XXXX was charged interest in spite of paying more than the balance. My payments were also on time. Here are the details I see on the Apple Card app and the statement. 

Previous Total Balance : {$3900.00} New Spending : {$3400.00} Interest Charge : {$63.00} Payments and Credits : XXXX I made higher payments than my existing balance and was still charged interest. When I checked my XXXX statement, it confirms that I had paid all my XXXX balance so not sure where this XXXX interest originates from Previous Total Balance : {$2800.00} New Spending : {$3800.00} New Spending : {$0.00} New Spending : $ XXXX I spoke with the Apple card team on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to seek a resolution for this case. The Apple team did not assist with correcting the statement or reversing the interest fee. In addition, this fee also negatively impacted my credit score. 

On further analysis, i found that the Apple card statements are inaccurate as they don't reflect the amount due shown on the Apple XXXX XXXX, and their " Monthly Balance '' and " Total Balance '' amounts are different, which leads to confusion of the amount to be paid to avoid any interest fee.
Consumer complaint received 2022-09-08
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: Medical-Commercial Audit Inc (MO)

Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 

2. What services I am being charged for. 

3. What the cost of each service I am being charged for. 

Furthermore, XXXX XXXX, MCA Management, XXXX XXXX, XXXX XXXX, XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation (CA)

I did not apply for a secured loan with OneMain financial. I have a power of attorney durable that has been in effect since XXXX. I advised one main financial in person and in writing for which I have a witness to that I had a power of attorney and I am unable to execute a secured a title loan with then they proceeded with this fraudulent transaction anyways. They forged my electronic signature. I never signed for this in person or with a line what signature or with a witness or with a notary my California durable power of attorney is very explicit, that I am not to enter into any financial transactions, regardless of what type that they are, they violated and breached my power of attorney, and they did not collect my named agents authorization from my power of attorney. As a member of the XXXX  community, who is a XXXX and XXXX this is an abuse towards members of this community, and I need some resolution. 

OneMain financial then fraudulently attach themselves as a lienholder to the California DMV and paid off my fathers XXXX loan, which did not have authority from me and my father or my power of attorney I need them to refund XXXX so then I can refund one main financial in full for the money that they illegally deposited into my account. The money is still in my account. I have not used it all {$4.00} is still in my account. I want to refund one main financial, this is elder abuse against my father who is XXXX in the primary on the XXXX car loan and abuse towards me. I XXXX XXXX member of the community. 

On XX/XX/XXXX, I made OneMain financial once again, aware that I had a power of attorney I made them aware in writing, since they refused to acknowledge my power of attorney in person, verbally for which I have a witness to, and this witness will testify under oath that she heard me tell one main financial in person over the phone and saw me write it out in an email that I have a power of attorney and they fraudulently Signed electronically I never sign electronically. I am prepared to take them to court. They already have an enforcement action against him from XX/XX/XXXX for {$10.00} XXXX for this very same behavior them responding is not enough they need to refund XXXX and when they refund XXXX and take themselves off of my dads car registry, I will refund them in full for the amount that they deposited into my account with all my authorization for which I have a witness to my durable power of attorney goes into affect the day that it was signed not when I am in capacitated per the clear instructions.
Consumer complaint received 2021-09-08
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. (MD)

On XX/XX/2021 I sent a dispute letter to TransUnion to validate and delete XXXX XXXX Account Number : XXXX and XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX. It has been more than 30 days and under 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) this item must be deleted promptly.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

My XXXX AMEX credit card charged me for late fee of {$27.00} and interest charge of {$21.00} stating that my electronic bank payment of {$1200.00} posted on XX/XX/XXXX on my AMEX credit card account when it was due on XX/XX/XXXX.  However, per Proof of Payment document from XXXX XXXX, my electronic payment was sent on XX/XX/XXXX. <P/>When I call to inquire about the changes, I was informed by an AMEX rep in the XXXX that a 3rd party vendor of the bank did n't process the electronic transfer in time before the due date, and that it was the fault of my Bank. I explained that did not make any sense because I had requested the electronic transfer be delivered by XX/XX/XXXX. <P/>Later, I called XXXX XXXX regarding the issue and per the Proof of Payment document, the payment was indeed sent to AMEX electronically on XX/XX/XXXX to AmEx. However, it was AMEX who did not process it until XX/XX/XXXX. <P/>Here 's another scam by a credit card company to defraud customers by charging erroneous late fees and interest fees. In this case, I have paper trail to verify exactly when payment was effectively sent electronically. <P/>Customers beware!
Consumer complaint received 2017-12-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (FL)

I have dispute this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Summit Financial Corp. (AL)

Summit financial says I was late on car payments XXXX/XXXX/XXXX days when I ws under a chapter XXXX since XXXX/XXXX/XXXX. They we 're paid through the trustee so there 's no way try were payoff late.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NY)

Im A victim If fraud identity theft never applied for chase freedom Account which was opened And showing on my credit as closed and opened by me when I never applied tried calling Them they deny my claim claiming I said its mine my identity was compromised And this must be removed from my credit and internally in their system
Consumer complaint received 2022-03-10
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. (NV)

In accordance with the Fair Credit Act 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 DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX DEPARTMENT OF ED/XXXX, ACCT # XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX DEPARTMENT OF EDUCATION, ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ACCT # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 section 602 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-10-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been paying XXXX XXXX  for years. I had gotten behind a little $ XXXXbut they added  interest to the balance but on my credit report they put that I haven't been paying on that balance and I have been paying the balance I've tried to dispute the west   Virginia XXXX XXXX through Experian and XXXX. Neither one of them fixed the problem and it's hurting my credit because it saying I'm not paying anything on the balance but now I'm paying off the balance because my child is not getting the support by law they stop taking the support because she's XXXXand has graduated school. I would like it to say that I've been paying on it the whole time I have proof and would like to see that I'm presently paying off it now thank you
Consumer complaint received 2019-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation (SC)

A collection account showed up on my XXXX and XXXX credit reports from XXXX XXXX XXXX in the amount of {$1600.00} dated XX/XX/2017. I have no knowledge of this account and received NO communication, letters, or correspondence from XXXX about resolving this account. The phone numbers listed for XXXX either send me in a hold loop or no one ever answers.
Consumer complaint received 2017-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (OR)

I Have 2 complain against Statebridge Mortgage company : 1 : my loan is due on the XXXX and past due after the XXXX, I get calls some times 3 times a day including Saturday and Sundays after XXXX of the month telling me my loan is late and must be paid immediately. I have called and wrote to them several times and this practice has not stopped. For your information I pay my payment on the XXXX and never been late on this loan. 2. Their on-line payment does not confirm if you have paid and if you accidently pay more than once, they will not cancel the additional payment even though still has not been processed.
Consumer complaint received 2020-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

they have me as a XXXX ftc violations ERRORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. 


all ftc errors
Consumer complaint received 2019-10-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advance America, Cash Advance Centers, Inc. (TX)

XX/XX/2019. i was contacted by a representative of Cash Advance that I had a loan payment past due and was in collections.This loan was taken out without my knowledge or consent. 
The loan was taken out XX/XX/2019.
Consumer complaint received 2017-10-04
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: CITIBANK, N.A. (TX)

I HAVE NO IDEA WHO IS TRYING TO GET A CAR LOAN IN MY NAME OR USING MY SS # BUT IT IS NOT ME XXXX XXXX XXXX! IT IS AFFECTING MY CREDIT SCORE AND I RECEIVE A OFFER AT LEAST ONCE A WEEK THAT I DID NOT APPLY FOR! I WANT IT TAKEN OFF ASAP! IT SAYS XXXX XXXX XXXX WAS WHEN IT WAS FIRST APPLIED FOR AT XXXX XXXX I DID NOT DO IT! I CAN NOT AFFORD A CAR PAYMENT WHY WOULD I APPLY? PLEASE TAKE IT OFF NOW XXXX XXXX
Consumer complaint received 2019-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P. (IA)

On XX/XX/XXXX, I faxed over Documents to the debt collector ( LTD Financial Services ) ; They are located at XXXX XXXX XXXX # XXXX, XXXX TX, XXXX. This company is trying to collect a debt that is not owed. On my XXXX credit report ; it says that they are the original debt collector. It has caused damage to my credit rating and I would like to have it removed. XXXX will not remove it stating the company says its accurate although it is not. I would call this a fraudulent civil matter. I have provided them with legal documents that states it has been Dismissed with Prejudice from the XXXX county Court at XXXX XXXX XXXX. The court telephone number is XXXX and my case number is XXXX Div : XXXX XXXX. The Judgement has been signed on the filing date of XX/XX/2017 by " XXXX XXXX XXXX '' the Conty Court Judge. The filing ID is XXXX. The amount they are trying to collect is {$1900.00}.
Consumer complaint received 2019-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

Beginning with my XXXX Rewards Visa card statement with a due date of XX/XX/2019, a new line has been inserted with balance information. The first line is the new balance, which is self-explanatory. The new line is titled, " Interest Saving Balance, '' with wording underneath the line that says, " Pay to avoid interest on next statement 's purchases. '' I paid that amount and was charged interest. I called them and they reversed the charge. 

I find this extremely misleading. I assumed this balance was the difference between my XXXX charges ( which are interest-free for six months ) and my total balance.
Consumer complaint received 2018-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Schreiber Law Firm, PLLC (CO)

This is the third time I have requested XXXX XXXX XXXX or XXXX XXXX to stop contacting me about a 14-year-old debt that was paid.This is the  second time I have reported them to Consumer Financial Protection Bureau. They did not respond to the first report.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (WA)

First off I'm on a fixed income, all bills are paid no later than the XXXX of each month with my debit card. XXXX XXXX paid {$25.00}, cleared my bank XX/XX/year>. My bank contacted me on XX/XX/year> informing me that avant double dipped. I contacted the Co. Immediately to ask why this happened and could not get an answer. The XXXX offered a refund but could not complete it due to computer declining the refund again no reason. Spoke with a supervisor who sent it to the escalation dept. XX/XX/year> called to find out why my refund hasn't hit my account and was told that the escalation dept. Has not responded to the request and still have 0 answeres as to why this happened or when or if I will get the refund.. This is not about the refund, it's about the unauthorized taking of funds from my account. I have never been late or missed a payment in the approx. 2+years of having this card, and this is not the first issue with this company, but this is the first illegal issue that I have caught thanks to my bank.
Consumer complaint received 2019-10-26
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: BARCLAYS BANK DELAWARE (IL)

I had my credit card number stolen and someone set up an XXXX account and used the card to make several small purchases. XXXX recognized these charges as fraudulent and did not charge my credit card account ; however, the charges appeared on my Barclay card account. XXXX said they would credit the charges, but they couldn't because they were, in fact, never charged to my account. So, Barclay seems to be committing fraud. They charged me for something they were not charged for. When I contacted Barclay about this, they explained that although XXXX may have contacted them about fraud, they could do NOTHING without talking to me directly. To me, this was very troubling ; I know credit card companies like XXXX XXXX XXXX cancel cards any time they have a suspicion of fraud WITHOUT contacting the cardholder. The agent at Barclay kept telling me it was my responsibility to contact them. When I said, " I want to know how you can charge me for something you were not charged for? ", the agent would turn the matter around on me and say they could do nothing without my permission. In my opinion, it is quite possible they are collecting these fraudulent charges, which they have not been charged for, from many of their cardholders. These small sums can easily be overlooked and add up to XXXX  of dollars of FRAUD.