davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (NC)

I paid {$2800.00} to settle One Main Financial account, i have disputed this account 2 times. 
The first time they didnt not change or update credit report. 
the 2nd time they deducted the total amount owed by my settlement amount and report that i still owe $ XXXX and do not show that they account was been settled with {$0.00} owed. 

I have a copy of settlement letter showing that the account is settled and balance owed is {$0.00} but they are refusing to update credit reporting.
Consumer complaint received 2022-12-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (SC)

XXXX XXXXXXXX XXXX  XXXX has sent XXXX to serve papers on me for a supposed debt from 2007. When asked for any kind of verification of debt they refused to give me any and said I owed XXXX but I could pay them XXXX but all they say is it is a debt from XXXX from 2007. They give me invalid numbers to talk to their client they tell me that SC Statue or Limitations do not apply and I have to pay the debt or go to court. 

Their contact information is XXXX and XXXX when googled nothing comes up
Consumer complaint received 2022-05-23
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. (KS)

I have sent in electronic and written disputes. Experian keeps saying that it has completed an investigation but has ignored my requests for documentation. The account in question is a XXXX XXXX credit card ( XXXX ) The error occures inbetween XXXX and XX/XX/XXXX. There are almost XXXX dollars added to the balance. The card only had a limit of XXXX. What is more I paid that over 2 years ago and I am still seeing missed payments and an absurd balance. At this point Experian has refused to provide me any documentation of an acutal investigation and is in violation of my rights under FCRA. I ask that this account be removed immediatley!
Consumer complaint received 2020-11-04
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. (AZ)

I did not apply for loan with XXXX and can not get any information regarding such loan when asking for documentation the company university XXXX XXXX just keeps putting in a email to there own employ who is in charge of XXXX affairs and she does not respond with any information about this loan. Every time i dispute this on Experian  it comes back as accurate and will not be removed off my credit report. 


This is a email showing that the brr has called on XXXX XXXX, XXXX of XXXX and on the XXXX of XXXX asking for the promissory note to be sent to him showing he did sign up for the loan. To this day we have not gotten a response back yet. 

If you require additional assistance, please contact this office at XXXX. Representatives are available weekdays from XXXX XXXX. to XXXX XXXX. CST. 

Sincerely, If you require additional assistance, please contact this office at XXXX. Representatives are available weekdays from XXXX XXXX. to XXXX XXXX. CST. 

Sincerely, XXXX XXXX Customer Service Representative XXXX, a XXXX company Phone : ( XXXX ) XXXX XXXX
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit 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. (DC)

I am a platinum card holder with Macys. I generally buy products when they are on sales. On XX/XX/XXXX, there were such sales. I purchased some clothing items as well as earrings and necklace. The items were delivered on XXXX separate deliveries. 

On XX/XX/XXXX, I returned home around XXXX or so to find an opened box of macys package at my door, inside the box were XXXX empty cases and a receipt. I immediately called macys but they were closed so I went ahead and placed another order to be delivered. I called macys on XX/XX/XXXX to report my finding and also to let them know that I had since placed another order. 

Macys assured me that I was going to receive a credit. I waited for about a week, I didn't see any credit in my macys account. I called macys credit as well as XXXX. I was told to file a police report, which I did and was assigned a detective to the case. I also reached out to the XXXX delivery guy for my neighborhood, XXXX XXXX. He in turn called his supervisor, XXXX. 

Upon XXXX investigation, I was told that the package was delivered to a wrong address. They promised to go to the location and get back out to me. I asked them if they knew how the empty package ended up at my door, they said no. 

Few days later XXXX informed me that they went to the location where the package was delivered few times and no response that I should reach out to macys to sort it out with XXXX. 

I relayed all these to macys. Macys told me to contact XXXX to file a claim. XXXX stated that it's between macys and XXXX. To my surprise, I received their third denial yesterday XX/XX/XXXX insist that I pay {$1900.00} for the missing items. 

I have proven to macys that these items were never delivered to my house. Instead, an empty package was left at my door. 
Macys lied and claimed that the package was left in my mailbox even though XXXX stated that it was delivered to a wrong address.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XXXX XXXX XXXX and XX/XX/XXXX and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2021-09-07
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: Credit Karma (GA)

Credit Karma solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. 

I received a letter from XXXX XXXX  say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. 

Just recently, they did the same thing with the help of XXXX XXXX messing up people 's credit.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NC)

Experian issue with Fraudulent Scoring : From XXXX to XX/XX/XXXX, my credit score went from XXXX down to XXXX for NO REASON. It decreased 3 times. Haven't been late, paid off all credit cards etc .... 

I called them to see what was going on. The rep attempted to share what might be going on, which didn't make any since. There has been no negative activity on my account. 

Please contact Experian Credit Reporting Agency!!!!
Consumer complaint received 2021-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I was a victim of a XXXX  scam. I was told that the power for the bldg I work for they power was going to be cut off due to lack.of payment. That I had to XXXX payment to stop turn off notice. I submitted 2 payments one for {$1300.00} and the other of {$2000.00}.
Consumer complaint received 2021-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE (PA)

XX/XX/2021 I placed a transfer from my primary checking to my brokerage account, internally, both accounts are with Charles Schwab. The money was debited from my checking account but never credited to my brokerage account. I called Charles Schwab after about 30 minutes and asked why it wasn't available. They had said they are aware of the issue and are working on resolving it in just a few hours. A few hours pass and I call Charles Schwab again and am told that it will be resolved within the hour. The day ends and the money is still gone from my account. Today, XX/XX/2021 the money is still not in my account. I contact Charles Schwab upset that we are about to go into a 3 day weekend and I now have no money in my account. The supervisor that spoke to me basically told me to just relax and wait. I got upset with this answer and he hung up on me. I've missed 2 trading days because of this and am now about to have no access to my money for 5 days.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (FL)

Binance US locked me out of my account on XX/XX/21 at XXXX ET for an unknown reason. When I tried to login to their website, a pop-up said to contact customer support to unlock my account. I contacted Binance Customer Support immediately. I have now been waiting for over 3 days for my account to be unlocked. 

I had close to $ XXXX in cryptocurrency in the account at the time it was locked. That has now gone down to about $ XXXX and I have no way of controlling my losses given my account is locked.
Consumer complaint received 2020-11-04
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. (FL)

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred a debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. Also, It could also be possible you are mixing up these accounts with someone that has a similar name as me. The accounts are not mine, and I would like them immediately deleted.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

I have been receiving unemployment benefits but unable to aces my money due to u.s. reliacard bank licking my account. They locked it the first time in early XXXX and asked me to fax documents with proof of address in which I sent 6 pages of verification by fax and they unlocked my account so I asked for a card to be expedited because I had never received the first one and they let me pay the {$15.00} fee only to expedite the card in 2 days to be locked again. I immediately called again when I was unable to activate and they said another lock due to address was put on so I faxed again all of the verification pages for the second time and now I have been waiting almost a month and have also scanned my if and sent via online to them also with my address on it. I really am hoping someone can help me just get my account unlocked so I can use my funds to pay my bills. Thank you so much!
Consumer complaint received 2022-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mercedes Benz Financial Services (FL)

I am a victim of identity thief I contacted the proper authorities I was instructed to file a identity thief report with the federal trade commission a police report and a identity thief affidavit. I am requesting these accounts be deleted immediately. Upon checking my credit report i discovered that there was several fraudulent accounts on my credit report I have contacted the creditors and furnished the creditors with the above stated documents.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (NC)

I XXXX XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-14
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. (NC)

In XX/XX/2020 I contacted all 3 credit buerus asking them to remove any credit alerts, sercurity freezes or anything prohibiting me from accessing my credit file. After hours of remaining on the phone as well as multiple faxes and emails sent to them at the following phone numbers : XXXX Fraud alert XXXX XXXX XXXX XXXX As of XX/XX/2020 I called in and typed the notes and provided a copy of my social and Drivers license to the following details : XXXX XXXX XXXX XXXX fax Demand Cover letter Name XXXX phone Att XXXX security freeze Dept Fraud alert Dept After  explaining to them I had already completed this 3 times already and I didn't feel comfortable providing this anymore I was told that is the only way it would work. Just to mention, I just received a letter from them stating that my SS # and contact information was released in some sort of HACK and they provided you free credit monitoring service and to call the number to activate this. I am in the mist of refinancing my property and I need to have access to my credit and I have been working on this since last year and its almost a year now and I still have a freeze on my XXXX, XXXX and experian file! I want this removed immediately! 

The credit buerus are also months behind in reporting the accurate information on my file.
Consumer complaint received 2022-11-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

Multiple TILA violations ; failure to provide full material disclosure as required by Truth In Lending ; denial & refusal for Consumer Law Right to Rescind - 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) XXXX ( 3 ) ( i ) There was a Violation of Contract Law resulting in Contract fraud due to lack of providing full material disclosure as required by the TILA ( Consumer Credit Protection Act ) therefore there is a Billing Error that needs Resolution ( 12 CFR XXXX ) PURSUANT TO 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. Originally requested on XXXX has still not been provided. 

As a result of your failure to provide me with the full accounting details, this agreement is considered fraud in the factum. 15 U.S. Code 1692e - False or misleading representations XXXX XXXX charge. ( b ) Examples of finance charges. The finance charge includes the following types of charges ... ( XXXX ) Interest, time price differential, and any amount payable under an add-on or discount system of additional charges. You violated Regulation Z by not including the sum of all charges in the Finance Charge
Consumer complaint received 2022-12-28
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. (NC)

I XXXX XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-30
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: Freedom Mortgage Company (PA)

An erroneous XXXX day Late payment was reported to the credit bureau for XX/XX/2022. I spoke with several representatives at Freedom Mortgage including a supervisor and was informed that the late charge would be removed and to date it is still reporting accurate. I disputed the late charge to all XXXX credit bureaus and the the disputes came back verified. I am not sure if the credit bureaus did a thorough investigation because I received a notification from all XXXX credit bureaus before XXXX days that the XXXX  day late reporting was verified. Upon receipt from the credit bureaus I called the mortgage company to complain and they assured me that they submitted a request to update my credit reports to never late. I am submitting this complaint as my last resort to correct the late charge on all XXXX of my credit reports ( XXXX, XXXX, and XXXX ).
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/XXXX I entered into a conditional loan agreement/credit card contract with XXXX XXXX appliance company and Synchrony Bank related to the purchase for {$2300.00} of a TV and related small accessories. The agreement provided for no interest charges provided timely payment was made during a promotional period ending XX/XX/XXXX. 
I set up autopayment at XXXX XXXX XXXX  to make the payments and, wary of late payment issues, set a date early into, and in some cases prior to the start of the next billing period. Synchrony ( on three occasions ) applied the early payment to the previous month ( which had already been paid ) and levied a {$35.00} " Late Payment Fee '' for the following month. ( This is, I believe, similar to a practice that XXXX XXXX Bank engaged in, and for which it was fined. Accordingly, I will copy the office of Senator XXXX XXXX. ) Note that there was NO NOTICE that the fee was related to an early payment. 
When threatened, they said they would " waive their legal rights '' and repay the fees. I subsequently reviewed the account balance and paid the account in full. Whether I get the late fees back is largely immaterial ; important is that Synchrony is mis-applying early payments ( is the word " deliberately '' necessary here? ) and it is, I suspect a practice that many of their customers won't catch and won't have the knowledge to reverse. There is a class of victims, I suspect, who need your help. Thank you.
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Uplift, Inc (TX)

My husband and I used Uplift financial services in paying for a XXXX trip by XXXX XXXX. XXXXl agent at the time of check-in misplaced the travel document of our child and ended up denying us the cruise we planned for and have refused to refund our money. Since we paid through uplift financial services, we reached out for consumer protection from Uplift to dispute the payment made to XXXX for never providing any service, and we are finding out that Uplift is biased on this matter, refusing to offer us any protection as consumers who have been ill-treated by a merchant. As consumers we need protection from companies like uplift who provided the financial services but in our case, Uplift has refused and denied us that. Therefore, we are filing this complaint. Our loan ID number are XXXX and XXXX belonging to my husband and myself- used for the same and one purchase. We feel that XXXX and Uplift have connived to carry-out such evil and wickedness as in our experience. We should be treated as victims here, having ruined our vacation by misplacing our travel document, refusing to take any responsibility and to add salt to the injury refusing us our full refund. Uplift should provide consumer protection from a deceitful and irresponsible company like XXXX XXXX.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current (NC)

Current allowed XXXX to charge my card over XXXX XXXX I filed a dispute with current they informed a credit would be issued while the did their work. I have not heard from the bank. Every time i try to contact them the only way is chat. The deny me access to a manger or someone of hire authority. They promise call backs or emails absolutely nothing. This is insane and i need help.
Consumer complaint received 2020-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JP RECOVERY SERVICES, INC. (MD)

On XX/XX/XXXX, I filed a complaint against JP Recovery Services with the CFPB ( Complaint # XXXX ). JP Recovery Services quickly responded claiming they verified the accounts with XXXX and that XXXX processed claims with XXXX and that XXXX paid the claims and the balance due is what is owed. XXXX is my primary and I also have a secondary insurance ; my health insurance covers 100 % of all medical expenses. I have had no medical bill not paid 100 % since becoming eligible for XXXX in XXXX. As outlined in the complaint ( XXXX ), I spoke to XXXX Billing on XX/XX/XXXX and XXXX made it clear that I do not have any balance with them. I DISPUTE THE VALIDITY OF THIS DEBT. JP Recovery Services response is in violation of the FDCPA as they clearly failed, by their immediate response, to verify with XXXX that the accounts are valid having been informed that I spoke to XXXX  on XX/XX/XXXX and XXXX, again, was clear, I do not have owe any balance to them. In light of JP Recovery Services response violating my rights under the FDCPA, I am submitting this second complaint against them and I am also filing a complaint against JP Recovery Services with the Maryland Attorney General 's Office of Consumer Protection Office - Health Education and Advocacy Unit. 

JP Recovery Services is in violation of the FDCPA. Their claims that I owe XXXX XXXX XXXX a balance is factually incorrect as verified by XXXX. 

cc : Maryland Attorney General Office of Consumer Protection , Health Education and Advocacy Unit.