davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

On XX/XX/XXXX, made a large cash deposit at a US Bank ATM. I have a checking account with this bank, and the deposit was made at an outside US Bank ATM, meaning the ATM was not located inside the branch, but outside at a drive-up ATM. 

Cash deposit should have totaled {$5800.00}. Due the number of bills, the ATM would only accept 50 bills at at time, so it would close the transaction after it accepted 50 bills. A number of bills were new/crisp {$100.00} bills that easily stuck together. The ATM deposit was made with 3 separate transactions/ATM receipts. The receipts show the denomination and quantity of bills deposited. First deposit was $ XXXX XXXX {$100.00} bills. The second deposit was $ XXXX XXXX {$20.00}, XXXX {$10.00}, XXXX {$5.00}, XXXX {$1.00}. The last deposit was $ XXXX XXXX {$20.00} XXXX {$1.00}. I noticed there were no {$50.00} bills listed, although there was a {$50.00} deposited. The total for all receipts is {$5300.00}. That is {$500.00} less than deposited. 

Called the US Bank branch where the deposit was made, and was told the ATM was outside, so disputes need to be called in to US Bank at XXXX. 

Called US Bank on XX/XX/XXXX to dispute the transaction, and was told a case would be opened. Reference # XXXX. The case would take up to 10 days to resolve. On XX/XX/XXXX, I received a letter from US bank denying my claim in the amount of {$5500.00}. Since this was incorrect, and I was disputing {$500.00}, not {$5500.00}, I called on US bank on XX/XX/XXXX requesting the case be reopened. This did not occur. I called again on XX/XX/XXXX requesting an update, and was told a new case would be opened. Reference # XXXX. I received a letter from US Bank on XX/XX/XXXX denying this claim. The letter states that research had determined no errors occurred, but I could request copies of the documentation used in the investigation. I have tried numerous times to request this documentation, but have been transferred from department to department. Every call lasts XXXX minutes, with holds or transfers, but not one US Bank rep knows how to process my request for documentation or can escalate my request. I am in an endless loop of calls with no resolution or explanation. I have requested the assistance of supervisors, and not one has ever been available. I have been assured numerous times a supervisor would follow up, but that has not happened. 

I have the dates and names of every US Bank rep I have spoken with. I have both letters of denial, and the ATM receipts from the deposit. 

XX/XX/XXXX US Bank Rep. XXXX XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX US Bank Rep. XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX XX/XX/XXXX US Bank Rep. XXXX, Supervisor that didn't call XXXX XXXX
Consumer complaint received 2022-10-09
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: Bread Financial Holdings, Inc. (TX)

Information never changes on none of the accounts disputed and comes back as verified when there are clearly errors on account status, late or missed payments not being updated to none and collection accounts not being verified for removal instead being reported as charged off.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

CREDIT ACCEPTANCE CORP Is the company last report was XX/XX/year>, I have a agreement with this loan company to pay XXXX every XXXX weeks due to hardship my original payment is XXXX a month but due to hard ship XXXX not able to pay the full XXXX and the company is reporting late payments on my credit report although we had an agreement of the XXXX every XXXX weeks I will like the my payments to be updated to paanl status. My payment cant not be late if we agree to this payment plan.
Consumer complaint received 2021-08-03
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. (NY)

There is a XXXX XXXX  credit card opened and used fraudulently in my name. The card was opened and used regularly in XXXX and XX/XX/XXXX, but I was not in the XXXX from XX/XX/XXXX to XX/XX/XXXX. I have signed and filed back the statement of fraud the XXXX XXXX  send to me together with the proof document that I was not in the State during the time. I have filed this case with the police department and asked three credit bureaus to block this item from my credit report. However, in late XXXX, this item was reinserted into my credit report. I contacted all 3 credit bureaus, and XXXX  and XXXX  allow me to argue this investigation result. However, Experian refused to initiate a reinvestigation, which is unfair to me.
Consumer complaint received 2024-09-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

On XX/XX/XXXX, a case filed against me by XXXXXXXX XXXX  for XXXX  was disposed of and no balance was due or required of me. I was told to vacate the apartment and I complied. 
On XX/XX/XXXX I was notified via email from XXXX ( Fair Collections & Outsourcing of XXXX XXXX, XXXX ) that a balance of {$2500.00} was being requested of me from XXXX XXXX I immediately disputed this balance. 
On XX/XX/XXXX, I was notified of my dispute being received via email. 
On XX/XX/XXXX I received an email from XXXX with an attachment of a document that stated that my debt was verified and attachments of billing from XXXX XXXX
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

On XX/XX/XXXX I left to go out of town in a haste to take care of a widow friend of mine who recently lost her husband then I traveled more to go help a single mom prepare for XXXX. Before, I left I attached my XXXX debit card to my XXXX XXXXXXXX XXXXXXXX XXXX card as preferred method of payment. I did this because I knew that I did not have the funds to cover my trip in XXXX XXXX and did not have time to transfer money. On my trip I got a phone call that I needed to drive back to South Carolina and pick up my cousin from the airport on XXXX day so that we could go see my grandmother who was dying one last time..so I rushed home on XXXX XXXX and left early the next morning to go see my grandmother who passed a few days later. I did not have time to sit down at my computer nor did I see any notifications on my phone. When I did finally get home after my car broke down, which took a few more days to get fixed I saw on line that XXXX XXXX had charged me 12 Insufficient Fund fees and 5 over draft fees. So, I called XXXX to see why? And they told me that when you use your XXXX debit card it charges the BANK that is hooked to the account not the BANK card. So, I payed XXXX the XXXX I owed them. And went to my bank on XX/XX/XXXX to explain why this all happened and hoping they would have understanding especially with all things considered.. and showed them proof of the payment to XXXX. However, they were only willing to credit me XXXX out of XXXX in insufficient fees and overdraft fees. 
Despite the hard times Covid 19 brought into my life.. I managed to open two businesses and have been working very hard to manage everything and with the claims that First Citizens helps low to moderate income communities and that I have been a customer for years I was shocked that they did not help me any more than they did. I had one child support check come in XXXX that was applied and with the credit XXXX I still owe them XXXX It has been very hard and this has made it even more difficult. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Bank was contacted XX/XX/XXXX I do not know the name of the person I spoke with, but it took over a week to get a response, that they would only help me with three charges.
Consumer complaint received 2024-09-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NC)

I have already paid {$1200.00} but they told me that I need to pay off the loan for {$2200.00} because the daily interest is XXXX by XX/XX/XXXX.
Consumer complaint received 2022-04-07
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. (NC)

Upon reviewing my updated credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$3100.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-02-15
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX did not have permission to access my credit report in XX/XX/2017 which led to a forged and fraudulent loan. This request is over 1000 days old.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (CA)

My Sofi Checking account had been compromised by a former roommate/family member, who gained access to my devices and started siphoning money from my account. I contacted " Sofi '' for help resolving an issue as I already had a previous claim from the same person who took advantage of my devices which he had no permission to do so. I requested 'Sofi '' to help me and they denied my claims stating I authorized the transactions when I had not given anyone permission to use my account. Their failure to prevent unauthorized transactions lead me to losing a lot of money that I have not recovered. Honestly I don't know if I will ever recover my funds and its very devastating as it was all I had in my Sofi Checking Account. When the incident occurred, I was in XXXX, XXXX at the time. I reached out to the local authorities and they said that they had no legal obligation to help as the account is from the U.S.A and they have no legal jurisdiction in the matter, and to contact my bank " Sofi '' to help me. So I reached out and one of the agents said he will file a claim on my behalf and I followed every instructions he gave me and then he proceeded to advise me that the claim was created. Two weeks goes by and I contact Sofi for an update on my claim and they tell me that there is not an active claim and they would happily file another claim after I had expressed frustration from being lied to the first time. Three days later after the claim was made it was declined, the same amount of time it took for a previous claim I had filed regarding the same individual who stole money from my account. After that I noticed that they don't properly investigate said claims and just deem it as an authorized transaction when it was not made by me. I requested documents used to determine the outcome of my claim and they said I would receive it within 1-3 business days. It has been 2 weeks and I have yet to receive said documents, I gave them the benefit of the doubt but it seems that was a mistake and it has just been very terrible customer service including their investigation department. I feel as they just don't want to deal with their customers and have us weep in sorrow while they blatantly refuse to help. 

XX/XX/XXXX claim filed, Sofi never filed claim. 
XX/XX/XXXX reached out to Sofi, filed claim. 
XX/XX/XXXX Sofi determined I authorized transactions. 
XX/XX/XXXX I requested documents from investigation, Sofi never sent said documents XX/XX/XXXXXXXX  filing complaint Transactions XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX  {$1500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$700.00} XX/XX/XXXXXXXX  {$1500.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00}
Consumer complaint received 2021-01-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently submitted a detailed claim via CFPB complaint center with irrefutable evidence that XXXX has been reporting inaccurate information on my credit report. 

XXXX explained in their response that they are OBLIGATED to ensure INTEGRITY and ACCURACY, but continue to report information that is CLEARLY inaccurate. They have been violating my rights as a consumer for years by posting inaccurate information on my credit report and they need to remove this account promptly. 

XXXX stated that they did a thorough review of the account and that the information is ACCURATE, but the documents that I have attached in my complaint contradicts that statement. If a thorough review was conducted, XXXX would have noticed the errors in the payment history, but they didn't. So how was a thorough review conducted? 

If the information is accurate, how is this account reported to have been on time from XXXX to XXXX, then late ( 90 days ) the following month in XXXX? You reported that this account was 120 days late from XX/XX/XXXX to XX/XX/XXXX. That doesn't make sense and from my understanding, FEDERAL STUDENT LOANS are considered to be in default if a debtor doesn't make their scheduled student loan payments for at least 270 days. This account displays that it was 120 days late.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I did investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681e ( b ) Accuracy of reports whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. code 1681 ( 5 ) treatment of inaccurate or unreliable information ( A ) general it, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting Agency shall ( XXXX XXXX XXXX XXXX promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I settled the account with XXXX back on XX/XX/2021. PAID {$670.00} The agency gave my rep this Confirmation number # XXXX. They promised when I paid the {$670.00} they would fully remove the collection off my credit report. As you can see they did remove it from Trans Union however it is still reporting to XXXX and XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (WA)

I am writing to formally complain about Upgrade , Inc. for their failure to properly notify me regarding two of my accounts before reporting late payments on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). Specifically, Upgrade , Inc. has violated the following provisions of the FCRA : 1. **Section 623 ( a ) ( 1 ) ( A ) ** : Upgrade, Inc. did not provide accurate information regarding my payment history.

2. **Section 623 ( a ) ( 7 ) ** : The company failed to notify me of their intention to report the late payments, which is a requirement prior to submitting such negative information to credit reporting agencies.
Consumer complaint received 2022-09-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (IL)

On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
Consumer complaint received 2022-07-09
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: Affirm Holdings, Inc (MN)

I Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, XXXX Still has this Address in my credit report and other False information in my credit report I have had a bank account With XXXX from XX/XX/XXXX until XXXX at witch time I had closed that account Because XXXX also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and XXXX was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that XXXX Provides
Consumer complaint received 2022-02-15
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2022 there was a {$6000.00} XXXX  transaction made using my Capital One credit card for a total charge of {$6100.00} I got a text from XXXX asking if i authorize this transaction and i replied no. I then immediately called capital one and closed the card number that was used and informed them of this charge, since capital one authorized the charge even though it was for more than my limit on the card. 

When i contacted capital one of the charge it was still pending and had not been processed yet. Capital one still allowed the charge to go through. Then they said thus was an authorized transaction and i was responsible because i had previously sent money by XXXX. 

I don't understand why capital one couldn't have just cancelled the transaction while it was pending instead of letting it process.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

This is the second time credit acceptance reprocessed even though there was a payment arrangement that we met every time. How is this even possible in America for this company to get away with constantly demanding money after we have paid for the vehicle 3 times over. Especially since credit acceptance knew we could not afford the vehicle for the terms and took advantage of us. They continued to report us late each month even though we had payment arrangements. Our last payment was in XXXX and before we could make a payment for XXXX not even a whole month passed before processing of our last payment and Credit Acceptance reprocessed our vehicle. How are they getting away with doing stuff like this to American people? This is complete fraud.