davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (MD)

hhgregg / Synchrony bank / GE capital involved in predatory lending when they sold me home appliances. They labeled their lending as interest free. They never send me any paper statements showing that they were charging me interest. Lender asked me to provide my bank account number so they can setup automatic payments, and promised me that they will not charge any interest when I gave them my checking account number. 
they have charged me XXXX in interest over last 3 years and I sill have half the outstanding balance. Lender used tricks in me thinking that I was not paying any interest by not sending any paper statements. 
I am requesting full refund of all the interest I have paid in this account.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (WI)

I sent letters to ic systems asking them to send me proof of debt owed or copy of last bill on XX/XX/XXXX today is XX/XX/XXXX they have reported to XXXX that I owe money when I do n't.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: The Law Offices of Mitchell D. Bluhm & Associates (AL)

I noticed an old hospital bill on my credit report. I contacted the agency listed as the current creditor The Law offices of Mitchell Bluhm & Associates. The creditor had reaged the debt, which they claim was the original day they purchased the debt from the original creditor. Mitchell Bluhm & Associate refuses to amend the information on my credit report, and have caused harm to my credit score. I want the company to be penalized for unfairly impacting my credit report and score.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

First National Bank charged me over {$190.00} of overdraft fee in {$12.00} increments every 3 days while I was travelling outside the country. The original charge that caused the overdraft was less than {$10.00}. When I came back after a month, I called the bank to inquire about the charges and they told me that they closed the account and sold the debt to a debt collector. The bank has my email and my phone number but I believe they did n't make any honest effort to inform me of the account status.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XX/XX/2020 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 2016-12-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (OK)

I have XXXX collections on my credit report that have been added by companies that I have never had an account with. One is XXXX XXXX and the other Is called LNLV Funding. I have never opened an account with either go these institutions.
Consumer complaint received 2024-03-13
Product: Credit 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: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, 4 fraudulent charges were made to my credit card. Wells Fargo contacted me and asked if I recognized these charges, and I told them I did not. They then attempted to address the issue. These fraud charges were for XXXX, XXXX, XXXX, and XXXX. Wells Fargo then credited XXXX, XXXX, and XXXX to my account, missing the XXXX fraud charge. Shortly after that, a second instance of XXXX and XXXX appeared on my transaction history. This totals to XXXX in net charges that I did not make. 

I have had 4 phone calls and 1 in-person visit with Wells Fargo . 
XX/XX/XXXX Phone XX/XX/XXXX Phone XX/XX/XXXX Phone XX/XX/XXXX In Person ( Visited Branch ) XX/XX/XXXX Phone They originally closed the fraud claim and decided the disputed charges were valid and appeared authorized by me due to card-present ( emv/tap ). Since then, I have faxed my GPS history showing me XXXX hours away from the transaction locations for XX/XX/XXXX. They currently claim to have the Fraud Claim reopened.
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CT)

I was dealing with Quicken Loans regarding a mortgage inquiry involving the potential purchase of an investment property. The loan officer did a hard pull on my credit before asking what the target loan amount would be. It being a small amount, about $ XXXX, meant that they would not have a program to help me based on the loan size. A hard pull n my credit negatively impacts my credit score despite the fact that he would n't have been able to help me in the first place. This could negatively impact my ability to explore financing options in the near term.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My account was frozen XX/XX/XXXX without notice due fraud suspicion which I understand but then my account was closed on XX/XX/XXXX, nothing has been communicated to me in writing, I was told I would receive a cashiers check for my balance which was in my account prior to the attempted fraud. I need this money to live. Chase gives nothing in writing and the customer service agents keep telling me to call back in a few days. I understand the bank has legal requirements due to government safeguards but I need my money returned. This was a scam to my account and my money in the account is valid from my job and can be traced to XXXX XXXX my employer. The amount in the account which is suspended is {$10000.00}
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CCS Financial Services, Inc. (MN)

I have no record of this company as a owed creditor, will you please remove from my credit. Must supply open date and process of this date, or remove from my report ( XXXX XXXX ) Original Creditor : XXXX XXXX XXXX {$2400.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (OR)

XX/XX/XXXX I went to transfer money from my account into another one of my accounts. I was told there was an error and I needed to call a XXXX number. I did. I was told my account was being moved to a forced closed status but there were no notes to indicate why. I had a bank manager call and the bank representative told the bank manager the same exact information I was told. The Bank manager asked for further information or details but was told that no additional information is available and that the department in charge of closing the account and releasing the funds is a no content department and can not be called or spoken with. The Bank has thousands of dollars of my money. No explanation or time line has been given and the bank refuses to give any information.
Consumer complaint received 2016-06-22
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIRST NATIONAL BANK OF OMAHA (MI)

A debt collector from ( XXXX ) XXXX called me at my work phone number and cell phone number. They says that they are collecting for Bank of Omaha. 

They never attempt to send me a notice because they do not have a mailing address for me. I asked them to contact who they are working for and get the mailing address they attempt to send mail to. 

The debt collector refused to contact the bank to get a mailing address. They threaten to leave voice messages on my phone.
Consumer complaint received 2015-04-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (MD)

PayPal limited my account and then closed it within 24 hours without providing any documentation for why they are closing the account. They are also holding my funds ( $ {$650.00} ) for 180 days before even telling me how I can get them back. They are refusing to respond to my emails/questions as well as refusing to deposit my funds into my linked checking account. I find it completely unacceptable that I would have to wait 6 months to collect the money that is in my account.
Consumer complaint received 2015-08-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX representing capital one bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all been charged off, which makes them certificates of indebtedness, meaning they are now considered income and income is not permitted to be listed on a consumer credit report.. 
The following account is listed as an open collection, XXXX XXXX XXXX. A collection account can not be listed open, it is inaccurate.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

My information has been stolen and used whom ever stolen my information they have use it illegally to apply for credit card acts with many financial institutions. : These is all unauthorized inquiries : 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 These illegal inquiries is reported illegally on my XXXX report XXXX, Equifax, and XXXX reports and must be removed asap. also my XXXX report has many errors including a date of hirth of XX/XX/1984 which is inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this illegal information must be inaccurate and must be deleted because my Correct dob is XX/XX/1984. also my XXXX has many addresses which is all inaccurate. my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this illegal information must be deleted from my credit report under section 15 U.S Code 16815- 2 ( B ) or the fair credit reporting act. pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.

And and send the required notifications to all furnishers of this information.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NJ)

I sent XXXX certified letters stating that I do not know anything about this debt. I have never had an account with XXXX and will not pay for something that doesn't belong to me. In the letters, I've asked them to validate that this debt belong to me but to no avail. Since they have not verified this information, it has to be removed from my credit report which they have refused to do.
Consumer complaint received 2016-08-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Collection Services, Inc. (FL)

CBCS XXXX. XXXX XXXX XXXX Ohio XXXX Calling me and sending me mail about a debt that is not mine. They called even before I could respond to the letter they sent that said I had 30 days to dispute the debt. CBCS are not very professional at all. The letter was dated XXXX XXXX 2016 and the phone calls began immediately after that. Today is XXXX XXXX 2016
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (WA)

My loans were transferred from XXXX to Nelnet some years back. During the time of transfer, I had automated payment scheduled for XXXX XXXX and used to make payments to XXXX XXXX through auto pay. My interest rate was fixed at 1.25 %. Upon three months of the transfer, Nelnet stopped drawing the funds through auto pay, and claimed I missed two payments. Since I missed those two payments, they doubled my interest rates to 2.5 % along with adding late fees. When I called and complained they stated I needed to fill out a form and authorize Nelnet to draw funds from my account. I was completely unaware of all of this. My complaints on this issue were not considered and my interest rates have remained doubled then what they should be. I did n't know where to go to complain until I heard about the BCFB lawsuit against XXXX. Please help resolve this issue.
Consumer complaint received 2016-09-04
Product: Credit card — 
Issue: Other — 
Company: KEYCORP (FL)

1 ) KeyBank and XXXX are merging. 
2 ) I have a closed MasterCard account that is being transferred from XXXX to KeyBank. 
3 ) I received notification that most of the terms and conditions of my cardholders agreement - interest rates, fees, account number - will not change. The address for payment will change. 
4 ) XXXX key conditions are being changed. a ) The five day grace period for a late payment fee will be eliminated. I can live with that. 
b ) The billing cycle will end on the XXXX day of each month, instead of the XXXX, XXXX or XXXX. Due date will be the same " at least 25 days after close of billing cycle ''. This, combined with the elimination of any grace period, is terrible. It places the due date closer to the end of a month. It is already very tight to get money in time from an account at a bank, where it appears as my income on the last day of a month, to meet a deadline for payment by the XXXX of the following month. Changing this to the XXXX just makes it that much harder. How can this be considered a fair and acceptable change? It, together with the end of any grace period, is an invitation to collect more late payment fees.
Consumer complaint received 2015-06-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

If I take out a XXXX loan. I get charged a 6 % or so interest on the loan. The money is taken from my own XXXX account -- my own money, not the banks. I lose all interest on those funds. So basically, the XXXX service provider, is lending me back my own money, taking XXXX risk, taking a 6 % profit, and denying me capital appreciation on those XXXX funds. Effectively they are lending me my own money and raping me on charges. That is outrageous.
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NJ)

In XX/XX/XXXX I received notification that I owed {$2300.00} from XXXX. I knew this was fraud as I have never used XXXX in my life. I disputed it with XXXX where XXXX ultimately admitted it was a fraud and fixed the situation. However, before they fixed it they sold the debt to the debt collection company I.C. System, INC. Two years later ( XX/XX/XXXX ) and the debt collection company put a debt collection notice on my XXXX and XXXX credit report. I have tried to call this debt collector and report it as fraud and confirm information however they have not answered in multiple days despite many attempts to contact them. I have contacted the credit bureaus involved and submitted fraud reports and have contacted XXXX again and submitted another fraud report within the past few days.
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

I submitted a debt disclosure statement to USAA federal Savings Bank in reference to validate a loan. They responded back on XX/XX/2022 not validating the debt per the Truth in Lending Act at 1-5 U.S.C. 1601-1667f and 15 USC 1692 et seq.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

The account with XXXX XXXX agreed to a settlement with XXXXXXXX XXXX XXXX by my wife on XX/XX/19. Balance was {$4600.00} they settled for {$2600.00}.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (FL)

I have a XXXX XXXX Credit card and they continue to report this to my personal credit report not my business credit report. I would like for it to be removed from my personal credit and reported accurately to business credit.