davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, I immediately contacted my bank to report a scam. After explaining to them my situation, they explained to me that they can refund my funds back into my account but since I said that it was a scam, they immediately went back on their word. Telling me that they can not do that for me because its against policy yet I was scammed out of money using their bank. I went through many different representatives and with so much false hope they were giving me, I was finally told that they couldnt get my funds back from the scammer but could if it was a fraudulent transaction? Beyond disappointed.
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I SENT OUT DISPUTE LETTERS TO THIS COMPANY ( NCA ), I HAVEN'T RECEIVED A VALIDATION LETTER. IT'S BEEN THIRTY ONE DAYS. IF THEY COULDN'T PROVIDE ME WITH THE INFORMATION I ASKED FOR ; I REQUESTED FOR DELETION IMMEDIATELY. PLUS THIRD PARTYS SHOULD HAVE MY PERSONAL/NONPUBLIC INFORMATION IF THERE ISN'T NO CONTRACT BETWEEN ME AND ( NATIONAL CREDIT ADJUSTERS ) PLEASE SEE ATTACHED INFORMATION ON : SUBCHAPTER 1-DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION AND RECEIPT OF CERTIFIED MAIL
Consumer complaint received 2024-05-06
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (OK)

XX/XX/XXXX I sent a written debt verification/validation letter to the company about this alleged debt. It's been a XXXX  and they still haven't sent the information I asked for that, leaving the debt invalid. I had no contractual obligations to pay these liars/thiefs.
Consumer complaint received 2024-02-17
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: EQUIFAX, INC. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$17000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$6900.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$3300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$2000.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1600.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$1100.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$830.00}
Consumer complaint received 2021-02-25
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I turned in my Infiniti XXXX on XX/XX/XXXX per lease agreement. On XX/XX/XXXX I received an " End of Lease Liability Statement '' with a {$390.00} disposition fee and another {$560.00} for property taxes. I called Infiniti Financial Services on XX/XX/XXXX regarding the property taxes and was told they would be sending me documentation that the taxes were paid to the States of Texas on our behalf. On XX/XX/XXXX I received a " Notice of Default. '' I send the payment of {$950.00} on XX/XX/XXXX without having received the documentation I requested. On XX/XX/XXXX I received another " End of Lease Liability Statement '' but the property tax amount was changed to {$760.00} and so it showed I still owed {$190.00}. Since this seemed like a scam, I once again contacted Infiniti Financial Services asking why the property tax amount changed. They could not give me an answer but once again said they would mail me documentation. Three days after this we began receiving calls from a collection agency. They have been calling at least twice a day since. They can not provide any information but just insist we owe {$190.00}. I think it was unprofessional and unnecessary to send this account to a collection agency to harass us AFTER ONLY 17 DAYS. This could be easily remedied by sending the documentation as promised!
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MD)

I have an American Express Everyday Preferred credit card that had an introductory 0 % APR on purchases and an annual fee of {$95.00}. The introductory rate expired XX/XX/XXXX. I was incorrectly charged interest during the introductory period, for the statement that closed on XX/XX/XXXX. 

I was then further charged interest in the statement that closed XX/XX/XXXX, despite paying the Adjusted Balance in full by the due date of the XX/XX/XXXX statement, that payment due date being XX/XX/XXXX. 

I opened a complaint with American Express regarding these matters and received a vague response about trailing interest. The application of trailing interest on this occasion is invalid, as I should never have been charged interest in the XX/XX/XXXX statement, because I was within the introductory rate period. Subsequently, I should not have been charged interest in the XX/XX/XXXX statement, owing to the incorrect charging of interest in the statement prior. 

American Express is inconsistently applying their procedures. For example, I have a Hilton Honors credit card account with American Express. It was subject to an introductory 0 % APR that expired XX/XX/XXXX, the same date the statement was issued. I paid the Adjusted Balance in full by the payment due date on XX/XX/XXXX, and correctly, no interest was charged on the statement that closed XX/XX/XXXX. The analogous circumstances apply in the current case with my Everyday Preferred credit card account, yet interest has been charged. 

I suspect there is a technical issue surrounding the interest treatment of the annual fee. I was also charged interest in XX/XX/XXXX when the annual fee was first charged to my Everyday Preferred account. American Express at the time, rightly acknowledged that interest should not have been charged and corrected the issue. The same should apply now, and I should be refunded interest that was charged in the XXXX and XX/XX/XXXX statements, in line with the practice in the Hilton account in XX/XX/XXXX.
Consumer complaint received 2020-11-23
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: Experian Information Solutions Inc. (OR)

Although I had experienced identity theft, and had been communicating with XXXX XXXX and have been unable to successfully come to a common ground. Rather, they just keep saying the account has been verified and have not taken time to respond with anything other than that. I realize that these companies make money from making bad reports and this is not fair to my family and I especially at this time.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (MI)

AXOS Bank refuses to provide me a statement of my account and has stolen my bank account funds. I have requested to report fraudulent activity and they hung up on me. They are refusing to provide account statement. They are refusing to allow me access to my funds.
Consumer complaint received 2015-09-01
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

In or about XX/XX/XXXX, I purchased a new XXXX PT Cruiser at a local XXXX Dealer. 
I financed the automobile through XXXX XXXX XXXX. Due to illness, during the life of the loan I made some late payments. However, I always paid the late fees and brought the account up to date. On multiple occasions I sent in XXXX payments at the same time. 
Around XX/XX/XXXX, as I stepped out of my front door I noticed that my automobile had been taken. I immediately called XXXX and asked them if they removed the car from my home. At first XXXX denied having any involvement with the disappearance of my automobile. However, after calling them for a second time they admitted responsibility for the removal of my car. I could not understand the reason for their unlawful actions since all my payments, were up to date. I was not totally surprised since I had read and heard rumors about XXXX unlawful business practices of stealing automobiles from the customers whose cars they financed. I immediately called the police. After explaining the situation to the authorities, they recommended that I hire an attorney. After doing some research on the professional fees involved in hiring an attorney ; I came to the realization that I could not afford XXXX. Most attorneys in the are demanded a retainer of at least {$2000.00}. I called and wrote letters to XXXX demanding the return of my car. However, I never received an answer. 

The " My loan is a ( n ) * directly below does not have an option that fits my complaint. My problem is as described above ; XXXX XXXX XXXX COMPANY STOLE MY XXXX PT CRUISER XX/XX/XXXX AND ALL MY PERSONAL BELONGINGS FROM INSIDE THE CAR FROM THE OUTSIDE OF MY HOME ON OR ABOUT XX/XX/XXXX.
Consumer complaint received 2017-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

I am an  XXXX   XXXX  military member, and like numerous others who have recently submitted complaints on CFPB against Barclays, I too signed up for  Barclay 's Luxury Gold Card having been promised waived annual fees ( {$990.00 } ) and 0 % APR for as long as I maintain  XXXX   XXXX  status. I became a member in the beginning of  XXXX    XXXX   and had no issues obtaining the military benefits. However, by  XXXX , I had heard rumors of policy changes, specifically that these benefits would no longer be offered to new card members. After investigating this further, I was assured that this would only affect new card applicants, and that current cardholders would essentially be grandfathered into the original agreement. A couple of months ago, I received the same letter than many others on here have received, detailing another policy change where the annual fee would no longer be honored. According to the letter, I will owe the annual fee of {$990.00} starting this  XXXX , while I will continue to have 0 % APR for the duration of my  XXXX   XXXX  service. I called  Barclays  to try to resolve this without any success.     My issue with Barclays is n't the annual fee itself, it 's their blatant disregard for business ethics, violation of good will, and their unwillingness to make amends. I would not have signed up for this credit card as the annual fee far outweighs any of the benefits I would normally be able to use. I signed up because the offer was honestly a good deal. But with this drastic reversal in policy, this seems very much like a bait and switch. If I cancel the card, which I will most likely end up doing, I will still have a hard pull on my credit report to the detriment of my credit because  of Barclay 's irresponsible methods. Barclays should revisit this policy and honor the agreement they promised current card holders when they signed up for this c ard.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Due to a divorce and XXXX treatments in eary XXXX, i was unable to keep up with a commitment to pay Comenity Capital Bank XXXX XXXX  XXXX XXXX  ) for tutoring services provided to my daughter. In appx XX/XX/XXXX, this debt was then sold to another company XXXX XXXX XXXX, XXXX  In turn, XXXX XXXX XXXX hired attorney firm XXXX XXXX to collect on the debt. In XX/XX/XXXX, I was able to pay off the balance directly to XXXX XXXX in two payments of {$460.00}. In XXXX and XXXX of XXXX, I spoke with XXXX XXXX  and XXXX XXXX regarding how my account was still being furnished as an unpaid charged off in an active collections status. They both indicated i would need to speak with Comenity Capital Bank XXXX XXXX XXXX XXXX ) regarding the credit furnishing since they were the actual company showing up on my credit report. I spoke with Comenity Capital on appx XX/XX/XXXX in which i was informed since i previously disputed the account, they could not update the credit furnishings. i spoke to them again on XX/XX/XXXX and was then told they could not update the account status because they sold the debt. i advised them per the Fair Credit Reporting Act that they had to furnish complete and accurate information and what was being furnished was not correct. There seems to be a process gap in between the original creditor and the buying company on communication as to when a debit is settled in full/less than half. it is u fair to me as a consumer to have my credit report reflecting i have a unpaid debt with Comenity Capital when i do not! please have them review my credit furnishings and update to reflect the account was settled instead of in collections/unpaid charge off. i am not sure if the coding sent to credit bureaus is incorrect or if the remarks/account status require updating, regardless, my credit report should not show as an unpaid charge off. i understand that once the debt was sold the balance was decreased to XXXX. what i do not understand and think is unfair is to not have my credit profile correctly reflecting the account was paid. i have previously disputed this but i do not think the company is truly investigating my concerns.
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (NC)

I have placed a dispute with all 3 bureaus, XXXX was in compliance and removed the account, however its been over 30 days and I have not been contacted by Equifax or XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (CA)

The item has been on my credit report for seven years. According to the Fair Credit Reporting Act it should have fallen off my credit report. The company has falsely reported the account to the credit bureaus in an attempt to renew the debt in order to keep it on my credit report and cause damages. The account was closed and charged off. I don't understand the intent of their actions other than wanting to cause harm to me. I am unable to purchase any vehicle while this is on my report. It has been there for seven years and it is time to come off. I wrote to the company pleading with them to contact the bureaus to have it removed and they still refuse to do it. They intend to cause me long lasting damages simply because I had an accident and I was unable to pay them because of my injuries. Their motivation is simply to take revenge on me for my inability to pay. I am a XXXX veteran with severe XXXX. I have been trying to get my life back on track and purchase a new vehicle. I ask that the company finally remove this item from my report so I may move on with my life. I served my country faithfully and I do not deserve this kind of treatment. Please help.
Consumer complaint received 2022-01-20
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2015-10-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I am received numerous call to my job, and threatening calls to my cell phone. Which I agreed to pay the loan off on XXXX XXXX, 2015. XXXX ask told me to get a better job to pay bills I have.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

My credit card was canceled without notice on XX/XX/XXXX. I contacted the company on XX/XX/XXXX, XXXX and XXXX, each time on their recommendation. I was frequently rerouted to the wrong department when I requested an escalation, and was given the wrong number for the fraud team. I did receive 1 letter dated XX/XX/XXXX claiming that my account was closed because of repeated attempts to contact me, but I had never received any notice regarding cancellation from American Express prior to that point. I have checked my mail, phone, and email for any missing correspondence. 

I am unable to access my earned points and have forfeited an annual fee without a full year 's service.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (PA)

I signed up for a Citibank Priority Checking acct on their website on XX/XX/XXXX. 

https : //online.citi.com/US/ag/banking/special-offers I deposited $ XXXX as instructed on XX/XX/XXXX to receive a {$700.00} bonus after 60 days. I followed up after 60 days, and I was told by customer service via chat that I did everything correctly and that after the 60 days, I would have to wait another 90 days until XX/XX/XXXX to receive the bonus. 

That date came and went and I received nothing. At that point, I contacted customer service again, and they said that there was no promotion code associated with my acct when I opened it. I never received one when opening, but I used a link to a promotion on their own website that is still active and followed all of their instructions. 

I also see other users on the XXXX  website having the same issue being denied the bonus during the past year or two. I tried to open an appeal case with citi through case ID XXXX and the banker who helped me open it tried to list a promo code that he found. He thought that would increase the chances of my appeal being approved. It was denied. I called citi again to follow up on the appeal but I was getting nowhere and they do not provide any reasons that make any sense. Now they do not respond to any of my requests for an update. I still have my {$50000.00} tied up in their account waiting for my bonus.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (NY)

On XX/XX/XXXX my husband and I celebrated our honeymoon in XXXX ( XXXX and XXXX ) for Two days into our arrival in XXXX. We were robbed. Money as well as an electronic device ( iPad ) which consisted of personal information, were stolen. Along with many other articles. We traveled to XXXX from XXXX. By rental car.The agency I rented from, took my credit card information and passport information to keep on record. When we returned home XX/XX/XXXX with in a few weeks XXXX receipts for XXXX paid traffic violations were paid by automatic payment charged to my XXXX XXXX card from the rental car agency. I did not dispute the charges. Totaling in about {$700.00} American dollars. Today XX/XX/XXXX, I receive XXXX bills from a collection agency. Which is servicing for " XXXX XXXX XXXX XXXX XXXX. 
The addressed envlope was sent via regular mail. Delivered to my home it was in the correct name but not the correct address. XXXX separate bills with the same amount totaling to {$320.00}. The company Cedar Financial that sent these bills to me was promptly called by myself.I have never received anything in the past 2 years stated I owed XXXX separate amounts of {$320.00}. I spoke with XXXX separate people. XXXX in which was speaking as if they were a robot. Asking more then 3 times for payment information. Stating they accepted all major credit cards or check. I asked to speak to a supervisor.I was transferred to a gentleman. Who stated if I do not make payment today, my credit would be in jeopardy. As and wages I make will be garnished.In all of my years of being a credit holder I have always had impeccable credit.
Consumer complaint received 2022-01-20
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. (OH)

I contacted all 3 Credit Bureaus and let them all aware that I am a victim of fraud. I did not request for XXXX XXXXXXXX XXXX  to access my credit profile. In return the representative told me that they can not delete the inquiry.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Multiple attempts made to correct a problem with the XXXX Account. Company continues to update information without accurately notating account. The Closing date is inaccurate, the last activity date is inaccurate.
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( XXXX XXXX, EXPERIAN, XXXX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit reportthatarenotmineXXXX XXXX XXXX XXXX, XXXX, XXXX.