davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (WI)

2023 I'm a member of Credit Karma I was told I had an excellent chance to be approved for XXXX credit cards and my credit was ran, I received a bad hit due to the credit being ran and I was denied the credit cards. I would have never applied if I thought I wanst going to be approved. I was mislead to belive I would reciece a credit card for both companies instead I received bad hits on my credit. I do see there is a lawsuit regarding this exact situation and I would like to know if I would be able to be part of this suit. Thank you for your time.
Consumer complaint received 2024-02-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XX/XX/year> ; thru XX/XX/year> bank of America made my debit card funds unavailable to me.they sent me a lousy {$230.00} check for compensation I requested more for loans and interest I accrued due to them making my money unavailable. They asked for more documents I submitted them didn't here anything for 3 months despite XXXX phone calls. I filed a complaint with you and XXXX weeks later the denied my request..is n't that fishy ... due to my complaint that's why they denied me..where 's the justice in this! Now I have to hire an attorney and fight this..thank you so much I appreciate it.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION (PA)

CENTRIC BANK Account type - Credit card Date opened - XX/XX/2019 Address Above Account created under CENTRIC BANK without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for CAPITAL ONE AUTO FINANCE to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Accounts CAPITAL ONE AUTO FINANCE - XXXX CAPITAL ONE AUTO FINANCE - XXXX Last 4 digit SSN : XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Following 3 hard inquireis on my credit file are a case of ID theft. 
Both of them were not authorized by me. 

1. The inquiry was not authorized CAPITALONE Date of inquiry : XXXX2023 Please remove it from my credit report. 
2. The inquiry was not authorized CAP ONE AF Date of inquiry : XXXX/2023 Please remove it from my credit report. 

Please remove them from my credit file.
Consumer complaint received 2021-04-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

I am the executor of the estate of my brother. On Monday, XX/XX/2024 I went to the bank with certified letters of administration and death certificate. I asked them to close the account and give me the money. They said everyone was busy and I should come back another time. 
One of my brothers made an appointment, went to the bank, and gave the bank certified copies of the death certificate and my letters of administration. They refused to release the funds, saying that I must personally come to the bank to identify myself.

I called the banker my brother spoke with. She acknowledged that they had the certified letters and that the bank had agreed they were authentic. I made an appointment to come to the bank and identify myself. She said the process may take 1.5 hours and might not be completed that day. I asked why it would take so long and she said a different person would have to determine whether the documents were authentic and that person might not be available.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

JPMCB - AUTO FINANCE Account type - Credit card Date opened - XX/XX/2017 Address JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Above Account created under JPMCB - AUTO FINANCE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The following 3 hard inquiries on my credit file on all 3 bureaus were not authorized by me. 

1. CAPITAL ONE -- Inquiry : XX/XX/XXXX XXXX. XXXX -- Inquiry : XXXX XXXX, XXXX XXXX. XXXX -- Inquiry : XXXX. XXXX, XXXX Please remove all 3 inquiries from my credit file on all 3 bureaus.
Consumer complaint received 2024-02-23
Product: Credit 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: WELLS FARGO & COMPANY (MA)

My BILT Elite ( Wells Fargo ) credit card has a fraud transaction that happened over my limitation. I only have XXXX limitation on that card and I only use it for my renting payment. However, after I spending XXXX  on my renting and there is an overcharged transaction that was not made by me getting approved with my card. How can that happened. I never received any email or text or call from the bank for this over changed transaction. The bank took no reaction on my fraud transaction!!! The transaction was happened in Florida when I am living in MA. I called the bank and they r not helpful at all ( they asked me to pay that amount first ) Stay away from Wells Fargo!! I always pay my bill on time and this is how they treat me when I have been scammed
Consumer complaint received 2015-06-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: H. Kent Hollins, Attorney at Law, P.A (GA)

original debt was XX/XX/XXXX in the state of XXXX. It was filed in XXXX by H. Kent Hollins. Law Firm. H Kent Hollins # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX address : XXXXXXXXXXXX ( XXXX XXXX XXXX ( Local no. ) ( XXXX ) XXXX ( toll Free no. ) It 's over 15 years old and they are trying to collect from me. They garnished my bank account with XXXX XXXX XXXX in XX/XX/XXXX of this year and I had to contact the XXXX XXXX XXXX XXXX order processing. XXXX XXXX XXXX XXXX XXXX XXXX and the Legal Levy Department Regarding to Reference # XXXX. I did file another complaint with your agency before and I though this matter was taken care of and the bank was able to remove the restriction and restore my account. H. Kent Hollins, sent me by mail a form regarding to the debt. And then filed another garnishment against my account on XX/XX/XXXX. The bank is informing me that even though this is fraudulent, they are under the order of the collection agency, until this matter is resolved. This collection agency is very aggressive and they are not conducting their services in professional manner by refiling again.
Consumer complaint received 2020-06-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$990.00} past due as of XX/XX/XXXX. 


filed ftc 60 days ago
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC. (GA)

i moved out my place XXXX XXXX tried multiple times to break lease due to abuse. they wouldnt let me because new management and charged me for the months on top of XXXX XXXX eviction. i also have a lot of charge off cars in XXXX a XXXX XXXX  $ XXXX with XXXX XXXX  and XXXX XXXX  XXXX  XXXX with exter. also a XXXX bill {$3000.00} 2phones and a XXXX XXXX that was given back and 1 phone was paid off
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Mercedes Benz Financial Services (PA)

I am writing to file a complaint against Mercedes-Benz Retail Receivables LLC regarding the mishandling of my recent request to surrender my debt security. 

On XX/XX/2024, I sent a negotiable instrument in certificated form and a letter of instruction via registered mail ( XXXX ) to XXXX XXXX XXXX, Assistant Secretary of Mercedes-Benz Retail Receivables LLC , as per our agreement and relevant SEC filings . This communication clearly indicated my intention to surrender my note for payment in accordance with Section XXXX of their XXXX Exhibit XXXX, which states : " Section XXXX. Cancellation. All Notes surrendered for payment, registration of transfer, exchange or redemption shall, if surrendered to any Person other than the Indenture Trustee, be delivered to the Indenture Trustee and shall be promptly cancelled by the Indenture Trustee. The Issuer may at any time deliver to the Indenture Trustee for cancellation any Notes previously authenticated and delivered hereunder which the Issuer may have acquired in any manner whatsoever, and all Notes so delivered shall be promptly cancelled by the Indenture Trustee. No Notes shall be authenticated in lieu of or in exchange for any Notes cancelled as provided in this Section, except as expressly permitted by this Indenture. All cancelled Notes may be held or disposed of by the Indenture Trustee in accordance with its standard retention or disposal policy as in effect at the time unless the Issuer shall direct by an Issuer Order that they be destroyed or returned to it ; provided, that such Issuer Order is timely and the Notes have not been previously disposed of by the Indenture Trustee. '' Despite confirmation of delivery, I have not received any acknowledgment or response from XXXX XXXX or any other representative of Mercedes-Benz Retail Receivables LLC . 

Multiple attempts to follow up with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX via email and phone calls have been unsuccessful, leaving me without any indication of acknowledgment or resolution regarding my request. 

This lack of response not only constitutes a breach of our agreement but also raises concerns regarding Mercedes-Benz Retail Receivables LLC 's compliance with fiduciary duties and SEC regulations . Section XXXX of the XXXX Exhibit XXXX clearly outlines the procedures for cancellation of notes, emphasizing the obligation to promptly acknowledge and act upon surrendered notes. The failure to adhere to these procedures undermines investor confidence and may have serious ramifications for affected parties.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

on XX/XX/2018 i received notification from XXXX   and XXXX that there is a collection on my credit, when i checked i noticed a collection charge from XXXX XXXX. This company has placed a charge of {$60.00} that XXXX XXXX has purchased looks like from XXXX XXXX.And has caused my score to dip due to this false statement by XXXX XXXX, i have no contracts what so ever with XXXX XXXX i called XXXX and they can't even see that i am a customer because i have no accounts with XXXX. This is fraud by XXXX XXXXg as i checked the internet many have reported scams originating in this manner from XXXX XXXX. They conveniently have placed a fraudulent charge and refuse to validate the debt because i don't have any contracts with XXXX. I expect XXXX to have XXXX XXXX remove this fraudulent charge ASAP wihtout delay i am hereby giving them 30 days if not removed law suit against XXXX XXXX and XXXX XXXX will be initiated.
Consumer complaint received 2024-02-22
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

After lengthy and repeated conversations with the American Express reward card customer support, I was able to get a replacement card ordered for my AmEx Reward card which did not work in any physical store, nor would it work online. After trying it at multiple vendors ( grocery shop, apparel shop, XXXX, bookstore, restaurant ), and bearing the humiliation and frustration of using a Gift Card amount that just does not seem accessible, when I contacted the Customer Care again, they had nothing to say about or help the situation other than the card is active on our end and should work. The customer care never provides any service numbers to reference previous conversations. They also do not provide any documentation at all. To top it off, the website listed on the card, XXXX never works and always errors out. 
With no way to access the funds on the gift card, I am left increasingly frustrated given I have not 1 but 2 such cards and has earmarked them for some time-bound purchases.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Received letter in mail from Bank of America that one of my credit cards with them was closed. Three reasons were listed : current or past delinquency, payment was too low, sufficient utilization of available credit. Called to discuss, verified had not been past due or made below minimum required payments. So asked what I could do and was told nothing. Asked if this card was closed for this reason why my other Bank of America card was not also closed and a reason could not be provided. Have had this card since XX/XX/2005 without issues so feel this account was unfairly closed by creditor.
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Sunday XX/XX/XXXX, XXXX MST, Portfolio Recovery llc contacted me outside the FDCPA act of 1978 hours and days rule. About some debt that they say I owe, XXXX is the ladies name. Violation of FDCPA act of 1978
Consumer complaint received 2024-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I didn't receive any validation of debt from XXXX XXXX, the debt was sold to portfolio recovery associates in the amount of $ XXXX have had accounts with XXXX XXXX all in good standing but canceled by creditor do this issue, I received notice from XXXX XXXX  all issued credit debt issue be processed to portfolio recovery associates. Account was closed with stating a balance of XXXX on XX/XX/XXXX Account ending in XXXX. This action lead to my account with XXXX XXXX to be canceled states high risk of failure to pay, all my XXXX XXXX credit card debt was in good standing never last. XX/XX/XXXX .I sent the request for validation of debt XX/XX/XXXX did not receive anything to validate this debt
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CA)

Nordstrom Card Services is in direct violation of the Fair Credit Reporting Act [ 15 U.S.C 6802 ( a ) ] Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. ( b ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option, by reporting negative information without notification and consent of consumer.

Nordstrom Card Services failed to inform Principal that it would be reporting principals personal non public information to a third party, and failed to get principals permissible purpose. 15 U.S.C 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. 
Nordstrom reported transactions and experiences to XXXX without permissible purpose and or authorization from principal.
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Received an email on XX/XX/XXXX saying that my credit score has changed. a new collection was placed by Jefferson Capital saying that I opened an account with XXXX  in XXXX of 2023 I havent been with XXXX in XXXX years. Showing as a new collection and drop my score XXXX points. I was never notified by mail, email, or phone call from this company. This company has been in multiple lawsuits for illegal legal business practices. Ive tried contacting them, and each time Im put on a hold.
Consumer complaint received 2024-02-25
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: TD BANK US HOLDING COMPANY (GA)

I brought a pre-approval letter to a car dealership to finance a used car so during the process, they had me sign on forms stating its for registration etc and they ran my credit report without my consent despite my approval from a lender. I got the car and seen hard inquiries hit my credit report. Heres the worst part : the car had oil leaking into the engine and I found out weeks later about it when the check engine light came so I took it back and they gave me a trade car that valued XXXX more than the loan I already got and RAN MY CREDIT AGAIN for more lenders. If you check my credit profile, you will notice I been with the same lender I was approved with originally for both vehicles and now I have XXXX unauthorized hard inquires on my credit report. What a nightmare! 

Here are the XXXX XXXX Inquiries : XXXX. XXXX XXXX  XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX - XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 XXXX. XXXXXXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XX/XX/2023 2023
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (UT)

Syncb/Lowes is reporting an erroneous late on my credit file for XX/XX/2020. I made this payment on time, and I should not be reporting any lates. I am requesting that Lowes fixes this issue as it is affecting my credit file.