davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIRST NATIONAL BANK OF OMAHA (TX)

At approximately XXXX CT on XX/XX/2022, I received a call from phone number XXXX and said her name was XXXX and that her son was on an XXXX and it has my phone number so she requested a passcode that had been sent to my phone number so she could have my number changed to her phone number. I was in a meeting when I answered the phone so ( being a dummy ) I gave her the one-time passcode of XXXX, that I had received on my personal cell phone. After the meeting I read the whole text and it stated ; " Your One-Time Passcode is XXXX. We will not call you and ask for this code. Call XXXX  at XXXX if you did not request a passcode. '' I called the XXXX number and talked to XXXX and she said she was from the First National Bank of Omaha from the fraudulent department call center. I told her what happened and she said someone probably wanted to open an account in my name. I gave her my name and she said she couldn't find an account, I told her that's because I don't have one and it sounds like no one tried to open one up. She then asked for my social security number and I told her I don't give that out. She was very nice and said that was the only other way to check if I had an account. I asked her if she could check by phone numbers and she said no. I told I'd need to call the police and see where I go from here. I called the police and they recommended going to the FTC.gov. When I went to that website it sent me here to the CFPB. As a side note, I tried calling back the first number from 'XXXX XXXX and no one answered and I was unable to leave a message.
Consumer complaint received 2022-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Uprova Credit, LLC (FL)

XX/XX/XXXX I applied ( by accident, meant to check rate ) and approved for {$400.00} loan. Phone Auto filled info in. And put in wrong checking account ( transposed XXXX numbers ). My bank, XXXX XXXX XXXX XXXX, returned the funds XX/XX/XXXX in XXXX. XX/XX/XXXX call Uprova. No funds ... XX/XX/XXXX call Uprova had 3way call with MY bank confirming funds returned .... XX/XX/XXXX no funds... XX/XX/XXXX & XXXX ... No funds turned back to XXXX. Now my account is negative XXXX and rent is due, cell phone ... On XX/XX/XXXX XXXX XXXX way call with bank to confirm funds returned and gave Uprova supervisor XXXX a trace number. On XX/XX/XXXX I was told funds should be back Monday or Tuesday. .. mon they were closed... Which j didn't know .. and now here we are almost XXXX weeks after initial approval and they have no idea where the funds are. I can not get a loan bc it's active ..... I can not pay rent, bills, feed my son... Get gas to go to work... We will be living in my car!! Plus now I need a larger loan to cover NSF and such. The name and license are wrong bc it was Auto filled with my married name. I can not get a loan which I need NOW. Someone HAS TO DO SOMETHING!!!!!
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (FL)

On XXXX XXXX I decided to buy an pohne XXXXXXXX XXXX XXXXXXXX as a gift for my mom for XXXX XXXX. I decided to pay installments with my apple credit card. I paid {$100.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the current balance of {$380.00}. On XX/XX/XXXX I received a charge for the first installment of {$54.00} which I paid the card again with {$200.00} more and they received the money on XX/XX/XXXX. I kept making payments on time at the end of the month to avoid charges on APR. On XX/XX/XXXX I paid off the balance plus I paid {$500.00} towards the installment. On XXXX I contact them because with all the money paid I realized they were charging me more and the amounts did not match. They had me on the chat until 2 am and then they closed the chat. On XXXX I contacted them again and spent 4 days telling them if was their mistake because the amount they think I owe is not true. At the end they hung up saying that I owe what is says. Today I contacted them again, and the problem continues. 

If I financed {$1200.00}, and I have already paid 9 months of {$54.00} since XX/XX/XXXX that means I have paid {$480.00} so far plus adding the {$500.00} I paid in XXXX that is a total amount of {$980.00} If you calculate : {$1200.00} - {$980.00} = {$310.00} ( this is the total I owe them to pay off the phone ) and not {$430.00} as they keep saying. 

I feel they never applied the proper charges to the account making a mess and are making me pay more. On XXXX I sent a letter with all the statements and payments because they did not want to provide their name on the chat and deny to provide a fax number and emal to send the papers. I do not feel I owe more money and if they made this worng. it is their mistake and their problem. I am havign track o what I have paid and they do not want to listed. I feel they are overcharging more money and even if they say I did not paid until XX/XX/XXXX which is not true, I still do not owe more money.
Consumer complaint received 2022-01-29
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I traded my old car in and bought a new car. The finance department from the dealership had my address incorrect on the original papers and had to send me another set of documents to sign. While they were getting everything redone it took a long time to complete and as a result of this the bank submitted 60 days late payment to the credit bureaus. I had never missed or had a late payment in over two years
Consumer complaint received 2019-09-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

On XX/XX/XXXX, our insurance provider issued a check for repairs to our home following flood damage. This check requires a simple stamp from PennyMac before it can be deposited into our account. We mailed this check, along with supporting documents and faxed copies, to PennyMac in XXXX. PennyMac confirmed receipt on XX/XX/XXXX and claimed to have mailed the stamped check back to us. However, 10 days later, no mail from PennyMac has arrived. We fear that PennyMac lost the check and made an untrue claim about mailing the stamped check back to us.
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

several things to report. Many robo Calls to cell phone and landline with many different numbers which I looked up and it is Portfolio Recovery Associates. They have tried to sue me and I entered an intent to defend. I sent this intent to them certified letter and receipt return which I have. I did this on time and now received a letter from their attorney stating I did not enter defense or objections. So states I am in default. The letter they sent is dated XX/XX/2019. It was sent regular mail and they signed for my registered letter to defend on XX/XX/2019. Letter they sent was postage stamped XX/XX/2019 and I received it on XX/XX/2019. It states to respond in 10 days when it was received 9 days after their letter is dated. And again sent regular mail. They received my defense and required documentation to dispute and they are still calling both my cell phone and house phone. I also had a previous collection company send me communication about this debt which I requested verification for this debt with no response.
Consumer complaint received 2022-07-30
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX and XXXX did a true and accurate investigation and found that this information had to be deleted from my credit report. Experian did not do a fair and accurate investigation and is still reporting this account to my credit report.
Consumer complaint received 2022-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (ND)

I was given a high interest rate loan of {$5100.00}, I make two {$140.00} payments a month, I have called numerous times to be put on a reduced payment plan due to XXXX  and losing hours at my job. I was told every call I made that it would be adjusted. It still has not been done I am still making to large payments
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Service, Inc. (MN)

For the past two years or so I've repeatedly been called by people about owing money, they usually say I need to call back or that direct action will be taken or I need to call and review my account or they will take some kind of action against me. I dont respond to their voice mails and the times I've answered I hang up when I find out what they are about. They've called from multiple phone numbers. 

I recently received a letter ( by mail ) that provided a name, address and phone number for the company that is behind this. 

This letter is from Assett Recovery Associates, XXXX XXXX XXXX, XXXX XXXX, IL. XXXX. 

It claims I owe them {$12000.00}. It says I have until XX/XX/XXXX to respond ( the same day i received the letter ) or else they will be forced to take whatever action is necessary and that my credit history will be reviewed. It ends by stating " we believe you have an important decision to make at this time. '' I talked with a lawyer who said under no circumstances should I write or call them and I need to file a complaint because the debt they are claiming is out of date by over 20 years and they are threatening my credit.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (CA)

I received a threatening message about legal action from a supposed attorney for a debt that I do not owe. I have never received any kind of Payday Loan, and the language in the email is questionable. This appears to be a lazy attempt at intimidation and fraud.
Consumer complaint received 2019-11-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO DEALER SVC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

About a month ago I fell for a usps scam about reshipping a package, a few days later I notice multiple charges that totaled up to {$150.00} on my account. I immediately locked my card and called chase to dispute these charges and the informed me someone stole my card info and used it to create a XXXX XXXX  account. They promptly refunded the charges and I assumed it was clearly fraudulent charges so everything would be dealt with. I was wrong. 
Today I noticed that the refund was reversed and immediately called my bank just to be told the charges didnt ping any red flags while investigating so my claim was denied? Not only is frustrating because Ive had my account for years and this is the first time Ive had a issue like this but Ive also opened a credit card with chase and if this is how they treat identity fraud I dont feel safe banking with them at all and I would recommend anyone opening a new account not too as well.
Consumer complaint received 2019-11-06
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: BB&T CORPORATION (WV)

I began disputing the validity of the reporting on XX/XX/2019. I have sent 2 letters directly to the credit bureaus and 1 directly to the lender with no avail. Regional ACC Account number XXXX is being reported as a voluntary surrender. This account was paid in full by me and a free and clear title was issued. I am not sure why the Creditor is informing the bureaus it was surrendered but this is completely inaccurate and I have sent several complaints but the inaccurate information is still being reported. This is damaging my credit and preventing me to qualify for any future auto loans with decent rates because it looks as if I have a reposession when I never had. The least that can be done is to correct the reporting or completely remove this account from my credit profile. You have done enough damage thus far and I feel that would be a fair compromise rather than the {$1000.00} I am entitled to for a FCRA violation. Thank you for your time and Ilook forward to the resolution.
Consumer complaint received 2019-11-06
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. (TN)

XXXX XXXX  corrected and removed the erroneous late payments they placed on my account and replaced them claiming other months. Additionally, I previously filed a complaint against XXXX XXXX and the company XXXX XXXX XXXX in XXXX for fraud. I received a call allegedly from the XXXX XXXX  's executive branch. I returned their call numerous times and left messages, but they never call me back. There was no reasonable investigation into my claims. 

Below I enclosed the reporting from my Equifax Credit report and as you can see, XXXX first removed the late payments then slapped them back onto my account. 

I am trying to buy a home and XXXX 's action demonstrates their conduct for which I seek damages. 

t looks like your payment history was updated or corrected. If you're not sure why this happened, you could contact your lender to find out more. 
Your account payment history was updated. Here 's what changed : XX/XX/XXXX : 30 days late XX/XX/XXXX : 30 days late Here is what your payment history showed before : XX/XX/XXXX : Current XX/XX/XXXX : Current
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I've noticed unauthorized inquires on my report and have reached out to both the company and Credit Bureau. These inquires are fraud related and were made without my authorization. 

XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NV)

My name is XXXX XXXX in XXXX A social security Scam was ran on me, putting me over {$30000.00} in debt, previous to that I had a excellent credit score at XXXX i think, give or take! XXXX I did a police report, life spiraled into crisis covid came, then was unfortunately XXXX  for a year! Around XXXX of XXXX, I started paying my debt, paid it off around XX/XX/XXXX! 2 years of struggle, and covid, but i still handled my debt responsibilities! But my credit score is only XXXX, but it was XXXX before I got scammed and I've had secured, 3 secured cards for close to a year! I actually paid my debt off and sustained credit cards to show my credit worthiness! 

Who can I write or speak with, i haven't been given a reason why my credit score wasn't restored after I paid my debt off! And I also had 3 secured credit cards while paying my debt off!
Consumer complaint received 2022-07-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am a natural person. My legal name is XXXX XXXX XXXX XXXX XXXX. The consumer reporting agency continues to violate my rights. The consumer reporting agency continues violate 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency has caused me and my family immense hardship with there illegal reporting. Their reporting is hurting accessing MY equity in MY home because of illegal entries in my report. They claim to have done an investigation, that they did not do by the letter of the law. Who did they speak to that could speak to my character???

The consumer reporting agency violated:15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Account : XXXX XXXX, XXXX  XXXX, XXXX XXXX
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

I am a member of American Express for over 25 years. I have 2 platinum cards and 1 regular American Express card.

I maintain those accounts in good standing for the benefit of membership rewards.

Today I needed to transfer 20 % of the points to partner airline to purchase tickets.

I was unable to do that due to " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I am sure that I didn't do anything different from what I have done in the past 25+ years that would cause suspension of my benefits.

Membership reward points are credited on account for the reason for spending money on the account and paying your bills.

I spent money and paid my bills.

if my membership rewards balance not unlocked I will lose my tickets and it will be serious damage.

I spent

1 hour on the phone with a representative and her supervisor and neither of them was able to expan me what is the problem with my account and when it will be resolved. They also were unable to name anybody in charge who can explain what is the problem and how we can solve it. I pay for 2 car
ds {$450.00} each to be Platinum member per year and I am not getting what I am paying for.

please help.
Consumer complaint received 2022-10-01
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: Complete Credit Solutions, Inc. (NC)

COMPLETE CREDIT SOLUTIONS XXXX In accordance with the Fair Credit Reporting act Complete Credit Solutions Account XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

First, this company did a unauthorized use of my credit card. Under 15 USC 1602p the term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I never give this company permission to use my personal information. This is fraudulent activity.Also not to mention identity theft.I wonder want else have they used my personal information for? I receive no benefit from this account. How did they even get my information? I guess they stole that too. 

Under 15 USC 1692e, this is false and misleading representation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

This is unacceptable behavior. My rights have been violated. the account need to be deleted TODAY.