davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

VERY SIMPLE IN REGARDS TO MY OTHER COMPLAINTS AGAINST XXXX NOW EXPERIAN AND XXXX ALL BC OF XXXX  PLEASE REMOVE ANY SECURITY FREEZES AND FRAUD ALERTS FROM MY ACCOUNT I DID NOT ASK FOR THEM TO PLACED ONT HERE THIS IS MY XXXX TIME REQUESTING THIS. I APPLIED FOR A BUSINESS ACCOUNT WITH A CERTAIN COMPANY AND IT REJECTED IT BC IT SAID EXPERIAN HAS PLACED A FRAUD ALERT ON MY ACCOUNT. REMOVE ALL FRAUD ALERTS AND SECURITY FREEZES FROM ALL 3 BUREAUS HOW HARD IS THIS TO DO. REMOVE THE FRAUD ALERTS AND OR SECURITY FREEZES FROM MY ACCOUNTS ITS AFFECTING MY ABILITY TO APPLY FOR CREDIT. I NEVER ASKED FOR THEM TO BE PLACED ON THERE FROM THE GET GO. REMOVE FROM EXPERIAN, XXXX AND XXXX AND I 'D LIKE AN UPDATED COPY OF THE REPORT STATING IT WAS REMOVED. XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I noticed on my capital one card that I was being charged twice for interest once for regular that was fine and then I noticed that I am being charged for cash advances when I have never received cash back or ever went to a Bank or ATM There are XXXX fees and I never went and got any cash advances out and they have been charging me interest on this since XXXX of XXXX  when the account was open and I never received any cash on any purchases the guy a manager told me a cashier or store can charge your card as such?? I have never heard of such a thing. This is a sneaky and I don't need charges for something I never did and on each one of my statements on the front show no advances. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I received a notice in the mail. I went to a XXXX  location and spoke with an associate about my mater. She said that I would have to file a police report and fill out online theft link. I sent the information over my mail. Next thing I know I get another document in the mail from XXXXXXXX XXXX  requesting me to pay the full amount. I explained to the agent that I have never had a XXXX  account! Thats when I filed an identity theft report Number : XXXX. Total fraudulent amount : {$1300.00}. They have sold the debt to another agency called Jefferson capital systems and now they are trying to collect on a debt that is not mines due to identity theft!
Consumer complaint received 2020-11-13
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: Experian Information Solutions Inc. (TX)

The credit bureaus/collectoion agencies have yet provided me with the validation/proof of debt that ive been requesting since XX/XX/2020. Numerous of accounts with inaccurate/invalid reportings per the metro compliance requirements. not to mention allowing companies to report such debt when thyre not licensed in the state of Texas
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MN)

XX/XX/year> : I called Citi XXXX  regarding a charge that was made on my credit card. The company who charged me was XXXX XXXX and it was for {$10000.00}. 

I explained to XXXX that this charge was completed under duress. I was forced to complete the purchase and sign the contract out of fear for my safety as well as the safety of my daughters. I was in XXXX and was held in an office for over two hours, separated from my daughters and told that if I did not complete the transaction, then I would spend the rest of my vacation in a court room explaining to a judge why I had committed fraud. It was all lies and power plays, but the fact was that I was in another country forced to remain in an office until I complied. 

An investigation was opened. 

XX/XX/year> : I received an email from XXXX stating that I was responsible for the charge and that the investigation was closed. 

I called XXXX and asked how/why they had come to this conclusion and I was told that it was because I had not provided enough documentation to prove that I had tried to cancel the purchase within the time allowed on the contract. 

I explained that I had not tried to cancel it. My reason for the dispute was that I was forced to complete a transaction under duress. My dispute has been reopened by Citi XXXX. 

Since then, I have submitted a formal request via email to XXXX XXXX to cancel my contract and return my money. They have not responded. 

I called Interval to see if XXXX XXXX had actually submitted my paperwork to be a member. I was told that there is no record in my name, my married name, or with my phone number. I asked for a written statement and was told to email them for that request. I emailed them and have not received a response. 

All of this is documented in the timeline I am attaching. 

XXXX XXXX needs to be addressed for their fraudulent tactics and Citi XXXX needs to do more to support their customers during a dispute. 

The card still has my married name, not my current legal name.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (WA)

American Express debt collectors called me about an account that does not belong to me and is not associated with me. On the call, they gave me the name of the person they were attempting to collect a debt from. It is my understanding that in doing so they violated that individual 's privacy. 

The third-party debt collector then called my employer and notified my employer that they were attempting to collect a debt from me. Again, they were not actually trying to collect a debt from me, they were attempting to collect a debt from someone else ( not me ). 

I informed them of the mistake, both the third-party collector and American Express XXXX I was assured that my number and my employer 's number were removed from the system. This all occurred a couple of weeks ago. I was contacted again on the matter today. 

American Express and their third-party collection company have divulged personal information about one of their clients and they are harassing me.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (PA)

On XXXX XXXX I mailed a check to GM Financial for my payment dure XX/XX/2024. On XXXX XXXX I received a notice from XXXX and account had been marked late. I immediately checked my XXXX XXXX bank statement and noticed the check had not been cashed. I went online immediately and made my payment. After payment I called XXXX and spoke to ID # XXXX and # XXXX and asked why we did not receive a phone call about the late payment. They both stated " Your numbers have been marked as disconnected, even the one you are calling from now so our system did not attempt to call. The lady with ID # XXXX said well thats unfair and transferred me to someone else by the name of XXXX. XXXX stated " well we notified you numerous times to both you and your cosigner email addresses. I then asked what email address they had on file and she said we don't have them on file. " I responded by saying how could you email us without email addresses on file. Her response was " well we sent them, have a nice day. '' I would like the delinquent 30 days removed immediately from my XXXX XXXX XXXX, and my credit report immediately.
Consumer complaint received 2020-05-11
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. (MI)

Under section 3513 ( d ) of the CARES Act, all student loan payments should not show up as deferred, but rather should be shown as if regularly scheduled payments are being made. Transunion is reporting deferred payments and is negatively impacting credit reports/scores, which goes directly against the CARES Act.
Consumer complaint received 2024-02-23
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: BARCLAYS BANK DELAWARE (OH)

In or around the year XXXX XXXX XXXX XXXX The Consumers Consumer Report began to reflect the hard inquiry from the Corporation at question that is XXXX XXXX XXXX XXXX and BARCLAYS BANK that does infringe on The Consumers right to privacy- On XX/XX/XXXX of the year two thousand- twenty four- The Consumer did opt out of any presumed or implied authorization for XXXX XXXX XXXX XXXX and BARCLAYS BANK to share or furnish any NONPUBLIC INFORMATION- and did give notice to XXXX XXXX XXXX XXXX and BARCLAYS BANK in regards to their willful noncompliance committed in regards to The Consumer 's rights and the violations thereof-
Consumer complaint received 2024-02-24
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 (CO)

I have an Amex Gift Card that I got for XXXX with a balance of {$500.00} and it does not work anywhere I have tried. I contacted American Express but they did not help.
Consumer complaint received 2024-02-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I've have my account open since XXXX and have been on automatic payments for several years without fail. Starting in XXXX my minimum payment increased, however Bloomingdales failed to deduct enough money on my automatic payments to cover the minimum payment and charged a late fee two months in a row ( XXXX and XXXX ), however continued to deduct my automatic payment and continued to charge these junk fee 's. This is a very deceptive practice of bloomingdales credit services. When I attempted to contact them via their secure messaging, there was no response about the problem and only that their secure messaging box was no longer monitored. When I attempted to contact customer service about the issue, I was disconnected after going throgh the prompts to speak with a customer service representiatve.
Consumer complaint received 2024-02-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MD)

I submitted a deferment request to Sallie mae multiple times and they never processed my request. I returned to school fulltime in XXXX and XXXX XXXX and keep submitting request and received apporval and then the next month the request went away and payments were requested again. I have submitted XXXX more deferement request in XXXX that have went unnoticed and no response. Sallie mae has proceeed to call me multiple times a day with harassment phone calls all hours of the day starting at XXXX even on weekends.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (AZ)

Company has re-aged my collections accounts in order to fraudulently make the accounts appear newer than they are thus creating a higher impact on my credit rating. This is a predatory practice that creates an undo hardship on my financial well being by suppressing my credit score for years beyond legally allowed!
Consumer complaint received 2020-04-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I have been having issues with Equifax since XX/XX/2019. They have not updated items on my credit report since XXXX, I can not contact anyone, I faxed and MAILED letters to them. I have not yet to receive a response. I am in the process of obtaining a home loan and the items that has not been updated is affecting my ability to obtain my loan. I cant dispute online, I can't get in contact with anyone on the phone, I am at a loss.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (RI)

I originally financed my single family owner occupied home thru XXXX XX/XX/XXXX. The current servicer Select Portfolio Servicing fraudulantly created an assigmnet and recorded it at my local town hall purporting to assign my loan into a RMBS with XXXX as trustee. I have a copy of the Pooling and Servicing ( PSA ) agreement for this RMBS. Some of the many problems are the RMBS closed in XXXX of XXXX ( per the PSA ), PSA states all loans would have to be securitize prior to the closing day in XXXX of XXXX plus 90 days, SPS assigned my mortagage into the trust in XXXX, SPS lacks authority to assign anything into the RMBS ( per the PSA ), this RMBS is governed by New York State Trust Law ( per PSA ). SPS has sceduled a foreclosure once or twice a year since XXXX, everytime they cancel it the day before the scheduled date. I have filled out 15+ HAMP Tier1 modification requests, the always need something, or dont qualify for this reason, I defaulted on this agreement, or whatever story they decide to tell on any given day. I am currently under review for a modification since XX/XX/XXXX, but they always need something new. So recently they sent me a letter stating I would hear something on the review shortyly and the day later I receive an intent to foreclose letter from XXXX and XXXX dated for XX/XX/XXXX I sent them a proof of debt letter asking all the same questions I have been asking regrding the validity of the assignment and trust purchasing my loan. They still have yet to reply. So as I sit here wondering who actually legally owns this loan and wait to hear back regarding a modification and proof of debt their duel tracking me towards foreclosure. Duel Tracking is also illegal, but yet they still do it and get away with it. I need help to save this home for my family of 5.
Consumer complaint received 2024-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE XXXX 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX LOANMART/CCB WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have two cards with Capital One and I sent coupon payments for both cards with certified mail, so I received the green receipt cards when they received the mail, less than a month after that Capital One restricted both cards. One of the cards Ive had for several years and the other maybe four months. But I pay my bills once or twice a month. I spoke with two agents and both admitted my good paying history.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I was charged {$95.00} for my annual membership fee on my XXXX XXXX XXXX card, but I also have a XXXX XXXX card. I'm supposed to receive a {$50.00} credit against my annual membership as I enrolled for the benefit, but I have not received it. I continue to have this problem every year with American Express and they never give me the {$50.00} credit.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (SC)

Last year in XXXX I discovered that a person was linked to my cash app account and has been using and stealing from my account please help me with this issue I have a XXXX so I don't understand some things Cash app is aware of the puppeteering and identity theft thank You.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EA Holdings Corp. (IL)

These accounts is written as a charger off but I didn't receive my 1099C cancellation of debt form and because of that is account is inaccurate and have to be removed. 

XX/XX/XXXX amount XXXX, XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX XXXX XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX. XX/XX/XXXX amount XXXX $ I requested from all companies the for my 1099C.also I didnt give consent for these accounts to be sold I didnt authorize my information to be given out.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

I recently received notice that my credit report negatively reflects a negative debt balance from a company I have never heard of, nor have I received notification from. I was recently notified from a debt consolidation company that Transworld System Inc has a collection debt of {$1100.00}. 
Following the Fair Credit Reporting Act, I do not believe they followed the proper guidelines to notify me of this alleged debt or correctly verified the accuracy of my information. Transworld Systems Inc improper procedures are highly damanging to my credit score and should be deleted immediately for noncompliance.
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

I financed my car in XX/XX/year>. My payments are in the amount of {$520.00}. I have always paid {$600.00} on South East Toyota website, and wanted to have the extra amount applied to principal balance. I noticed it was not being applied and HAD TO call XXXX, XXXX, and again in XXXX, and every time I received different information. 

I am not able to have additional principal applied by using their site. I was given an address to mail payments, and have my extra amount applied correctly. I had to call again to question why it was not being applied correctly, I was given another address because the first address does not break down payments. I am now in my 9th payment and I have to call and waste my time with these people every single month. 

Now, I was informed that they applied my Full payment for XXXX or XXXX ( not sure anymore ) to Principal. I was informed that I had the correct address and they will correct the payment and to wait 5 days. I called again and once again was informed to wait 5 days. I have waited 18 days and am sure by now they have reported me to the credit bureau since they are still showing my payment late. 

I will be glad to show all my payments, and am sure conversations get recorded for training purposes or to improve customer services.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I was overdrafted {$36.00} due to a merchant error charging me {$14.00}. I immediately contacted the merchant and was refunded - I was told by the bank to switch to a new account with overdraft protection and call back when the fee was refunded to my account in order to have the overdraft fee refunded. On XX/XX/XXXX, the refund posted to my account and I visited the truist branch in XXXX  XXXX XXXX  XXXX. They told me that XXXX had been provided incorrect information and they could not refund me because the system said my exception from an overdraft fee in XXXX did not expire until XXXX. There is a mistake here and now that i switched checking the option to refund my overdraft is no longer available. I have not been provided a reasonable solution to this issue and plan on closing my business account, checking and line of credit if the {$36.00} fee is not refunded.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

in accordance account # has violated my rights. 15 USC 1681 section 602 states i have the right to privacy. 15USC 1681 section60 A section 2 ; it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose