davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (CA)

On XX/XX/2023 and XX/XX/2023 American First Finance knowingly violated 15 U.S. Code 1692f - Unfair practices section 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. and section 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. in total my consumer rights were violated four times. The receipt showing my payment was accepted and made is dated XX/XX/2023. The cancellation and rescinding of my authorization to use the credit card on file is dated XX/XX/2023. The authorization for use of my credit card for future payments beginning on XX/XX/2023 is dated XX/XX/2023. Any payments attempted or made after XX/XX/XXXX and prior to XX/XX/XXXX should be considered fraudulent.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

I checked my account balance on Monday XX/XX/ to verify if I had received my tax refunds. When I checked my balance I noticed that I indeed did get my tax refund on the XXXX XXXX XXXX {$2500.00} USD but my balanced was negative {$41.00}. When I look at my transactions I noticed multiple transactions from this merchant called XXXX XXXX and XXXX both located out of the state of Florida. The total debited from XXXX XXXX was a total of {$1600.00} USD and from XXXX was {$900.00} USD on the description they both said groceries how in the world someone can spend this much money on groceries and how can Chime authorize this transaction when they are obviously FRAUD! 

Once I noticed this transaction I immediately contacted Chime on XXXX XXXX XXXX and open a Dispute, claim number # XXXX. They said they will investigate and give me a credit within 10 days. 

Today, XX/XX/2023 at XXXX XXXX  I get an email from Chime stating they have ended the investigation and that they determined no error occurred. How in the world is possible, how can someone scam me for more than XXXX  and my bank can not help me get my funds back. My tax money that I had to wait a whole year to received now is gone!!! 

Please help me get my funds back, I bed you guys to please help me. 

Thank you.
Consumer complaint received 2020-05-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (SC)

Received background information results and found out XXXX XXXX said I owed {$420.00} which I paid and the account was clear as of XXXX, As of XXXX It still showed as a risk as this was supposed to be cleared without hitting my credit report again. All three bureau agencies report different outcomes. I have no open accounts or debts besides the XXXX card. I am trying to get my scores up to get my personal vehicle changed over into my name as well as my current house. Please help me with this issue. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (OR)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX of 2018 I had a car that was repossessed. I was never given my license plate or registration back. Later I receive a toll tag bill with the same license. I also paid for MMP maintenance coverage and gap Insurance that was never prorated and reimbursed to the account. A year and a half later I go to apply for a job only to be denied the job because it shows a balance on my credit report even though I was told after the repossession that the Lien was satisfied. I was told whenever their is a repossession you are suppose to be given a chance to receive your belongings as well as your license plate tags and registration. I was able to retrieve my belongings but not my tags and registration. I also was not informed on when the bidding for the car toook place which would have given me a chance to buy it back.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (DE)

I allow a company ( XXXX  ) to access my checking account for investment purposes. My PNC debit card and a PNC credit card are linked to XXXX. XXXX  monitors the " change '' from my transactions on these cards and when I reach {$5.00} they deduct the amount from my checking account and invest it for me. I have been using this service for over 3 years and suddenly PNC bank will no longer allow my cards to be linked. I have reached out to both companies to attempt to resolve this with no success. Supposedly it comes down to a change in security that PNC has enacted. PNC has said I should be able to relink the cards and XXXX  says PNC will not allow it due to security changes. Basically they're pointing the finger at each other. This started in late XXXX. I have no idea what you can do, but I would like to continue using XXXX  and have had no issues with it. The bank seems to be the major obstacle.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Kohl 's Department store issued me a credit card. I made one charge on the card for XXXX dollars. Around the time that the bill was due they began to call me non stop day and night. I told them that I only owed XXXX dollars and that I would be in on Saturday to pay the balance. They continued to call and call. Finally after 20 calls I told them to close the credit card immediately and that as previously stated I would be in on Saturday to pay. I went in to pay and they had charged me a fee of XXXX dollars in addition to the balance. I paid the balance. Kohl 's has continued to charge me fees even though the account was only open for a month and I paid the balance. They say that I currently owe XXXX. I have repeatedly disputed that the late fees that they are charging me are based on THEIR own late fees NOT the amount that I owed for what I actually purchased. I paid for what I purchased how is it legal to have to pay fees after the account was closed and f the balance is only their fees? They have turned me over to a collections company and now I get the harassing calls from them.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I opened a new Checking Account with Truist Bank on XX/XX/2023 w/ an opening deposit of {$50.00}. On Thur. XX/XX/2023, I was advised by telephone banking that I needed to contact XXXX XXXX re : some type of status, that still has yet to be disclosed to me on the account. XXXX XXXX advised me to request a report and file dispute b/c there may be inaccurate information reporting re : my banking history, which has been in process and report is yet pending. On XXXX XX/XX/2023 My Employer XXXX sent my {$500.00} payroll direct deposit to this banking institution. I went in the branch to withdraw my funds per the advice of Early Warning. At that time Branch Manager, XXXX XXXX XXXX XXXX  XXXX, TX XXXX assisted me with withdrawing funds and closing the account. He also advised they see my employer direct deposit, and they are sending the funds back to my employer. It has now been 5 days that the return of my hard earned wages are yet pending. It doesn't take this long for direct deposit to be sent, and it shouldn't take this long for it to be returned. I find this to be an abusive practice, and my money is being held hostage. I have essential bills for my livelihood that have gone unpaid, and my creditors do not understand that the banking institution is holding my money for no valid reason. My livelihood, stability, credit, and my integrity are on the line here. 

This financial institution needs to be held accountable for their lack of integrity, and honor to me as a customer, and any type of fine or interest that they can grant me should be issued due to my financial hardship that has been caused by this case, along with an immediate resolution of releasing my funds is necessary with the utmost urgency. Thanks in advance for your time and assistance with regards to this matter. 


Respectfully, XXXX XXXX
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/2023 I did an instant transfer of {$270.00} from my Venmo account to my bank. This type of transfer typically shows up with 30 min. It has been 10 days and I still do not have my money and neither Venmo nor my bank can tell me where it is. Both are pointing the finger at the other party and no one will help me.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened a bank account with Citizens Bank in XX/XX/XXXX. I followed their public online offer of {$300.00} for opening a checking account by making ( 1 ) direct deposit of {$500.00} which I completed in XXXX. The pay-out according to their site should be by XX/XX/XXXX but I still haven't received it til this day. 

I've tried messaging them and calling but I can never get in-touch with someone to deal with it.
Consumer complaint received 2023-02-22
Product: Mortgage — Reverse mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Onity Group Inc. (CA)

I have a reverse mortgage with a company. XXXX of XXXX they sent me a letter telling me I had not paid my home owners insurance bill, which was a false statement. At the bottom of the non-payment notice, it stated " This communication is from a debt collector ''. I let it go, because I knew I made the payment to the insurance company. In XX/XX/XXXX I received another non-payment notice dated XX/XX/XXXX stating I had not paid my XXXX XXXX property taxes. This was another false claim as I paid my property taxes on time. At the bottom of the notice was the same statement " This communication is from a debt collector '' as was the notice I had received about my home insurance non-payment. On XX/XX/XXXX, I faxed the mortage company requesting the name, address and phone number of the debt collector company along with the reports the debt collector company sent to the mortgage company for both the home insurance non-payment claim and the property tax non-payment claim. I told the mortgage company that these false claims by a debt collector would possibly affect my credit rating and possibly go on my credit reports. I received a response from the mortage company dated XX/XX/XXXX they were not able to provide the requested document because " The production of the same is burdensome ''. What I need from the mortgage company is ( 1 ) the name, address and phone number of the debt collector company that sent them the false information and ( 2 ) all communications, reports the debt collector sent the mortage company ( 3 ) all communications the mortage company sent the debt collector. I need this information so I can review the information and possibly bring action agains the debt collector and possibly the mortgage company.
Consumer complaint received 2023-02-22
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: The CMI Group, Inc. (SC)

Received background information results and found out XXXX XXXX said I owed {$420.00} which I paid and the account was clear as of XXXX, As of XXXX It still showed as a risk as this was supposed to be cleared without hitting my credit report again. All three bureau agencies report different outcomes. I have no open accounts or debts besides the XXXX card. I am trying to get my scores up to get my personal vehicle changed over into my name as well as my current house. Please help me with this issue. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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: Atlanticus Services Corporation (MN)

I am a new credit card holder with Fortiva, a high interest credit card company. I had 2 payments that were a couple of days past the due date. I never rec 'd a past due notice because I quickly corrected this issue so my account never even went 30 days past due. I recently made a large payment to the company and noticed that while my credit limit was the same as when I opened the card but my available credit was XXXX. I called Fortiva and was informed my account had been closed because of 2 late payments. I have been trying to rebuild my credit and these high interest cards are the only ones available. I was given no warnings nor was I informed that my account had been closed. When I log in, the account still shows active ( picture attached ). I believe this is a very unethical credit card company. As previously mentioned, I NEVER had a 30 day late payment and now my credit report will show an account closed. I hope you investigate them and take action so others like myself won't be tricked into accepting offers,
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

The company Resurgence/LNLV funding refuses to VALIDATE debt as requested. ( SEE ATTACHMENTS ) The company will not remove debt from my credit file. refusal to provide any competent evidence that the debt is legally and lawfully required to be paid by me. I delivered a letter via certified email with a list of documents that were requested and required to be given to me at my request and was sent an old bill instead with an incorrect name and address instead. The company now refuses to cooperate in accordance with the fair debt collection practices act. 
I can provide hard copies of all documents showing non compliance, As the upload function of the system here is not allowing uploads.
Consumer complaint received 2021-01-07
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: EQUIFAX, INC. (GA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2023-02-22
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: Early Warning Services, LLC (MI)

XXXX  XXXX XXXX has no way for me to contact them to report the fraud going on. I am an ID theft victim, they keep sending me letters stating an account I did not apply for was denied due to my Early Warning Services banking score. They dont check credit reports they just allow fraud to run rampant. CFPB needs to regulate Early Warning better. They are owned by big banks like XXXX XXXX XXXX and it's their excuse by not allowing fraud alerts to be placed on that report and not checking the big 3 credit reports which if they did they would see the freeze and the fraud alert telling them the number they need to call me at to verify my information before going any further.
Consumer complaint received 2023-02-22
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: DISCOVER BANK (IL)

In XX/XX/2022, I purchased XXXX once and cancelled after my cats refused to use this litter. A few months later, XXXX, another {$100.00} package arrived and I immediately requested to return the unopened and unsolicited box. 

XXXX 's customer service ignored my request for days and I kept texting them for a return label. Finally got the label and returned the product but XXXX failed to issue a refund. I noticed the missing refund 60 days later and contested the charge with the credit card. XXXX responded with someone else 's personal information and Discover Card refused to issue the refund due me not having a copy of the return label showing the address that XXXX returned the package. 

The tracking details were inadequate since there is no address on that receipt. XXXX is still fighting with me even though they acknowledge receiving the returned box less than a week later via text messages. 

As I did my research, I discovered that XXXX XXXX just bought XXXX - I'm guessing that the past CEO was overstating sales in order to gain a higher valuation. 

The BIG ISSUE is that Discover Card accepted the wrong information for an unknown person and decided in favor of XXXX. XXXX refuses to refund this money until I withdraw my appeal with Discover Card. Discover Card is denying that they shared the Personally Identifiable Information ( PII ) for another XXXX  customer, violating XXXX XXXX 's privacy, and likely violating my privacy by sharing my PII with another customer appealing the charges from XXXX.
Consumer complaint received 2020-05-28
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. (AZ)

It has over a month and XXXX  has not updated my account properly. There is a credit card by unify financial showering a balance of {$1000.00} that is paid in full to XXXX  and has been XXXX for some time and it will not update. I have already tried disputing it. Also the credit card I have through XXXX- XXXX balance is incorrect as well.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I was reconciling my Capital One checking account statement for XXXX transactions, and I noticed a transaction that didn't match my check register. I looked at the check image online and saw that the check # XXXX had been altered from {$3500.00} to {$9200.00}. I contacted Capital One and opened a case # XXXX and also contacted the police and opened a case with them as well. After two weeks, the funds were returned to my account. I requested Capital One to also reimburse me for the late fee of {$57.00} that I was accessed since the original check was never received by the intended recipient. I received an email on XX/XX/XXXX stating the following... 

'We understand you are requesting to be reimbursed for a late fee you received from a third party after a check you wrote from your account was intercepted and altered. The missing funds from the altered check were credit back to your account on XX/XX/XXXX, and the investigation was completed. Since the third party fees were not charged due to a bank error, we will not be able to reimburse you. We understand this is not the answer you were looking for, but we suggest trying to resolve the issue with the third party. 

If you need any additional assistance, please contact us at XXXX. Associates are available XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, XXXX On behalf of Capital One XXXXXXXX XXXX XXXXXXXX ' I've tried to contact XXXX numerous times to understand Capital One 's logic to state that the third party fees were charged due to a bank error. I've left numerous voicemails and have never received a call back. 

I'm requesting Capital One to reimburse the late fee of {$57.00}.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

IC Systems contacted me about a bill and I requested an itemized statement but was told no, they said they were sending a fraud packet, and it was never received, thereafter IC Systems added the bill to my credit report, despite knowing there was a dispute and they have no billing statements or other information, except to say my last name is " XXXX '' and then today when I contacted them, it is suddenly XXXX, but still no itemized statement or other information. 

I asked for the phone number of the XXXX where they received the collection and the woman stated, we don't contact our clients and we don't have a phone number. I asked to speak to the owner-operator and they say he doesn't take calls.