davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

USBank put a freeze on my checking account and did not notify me. I discovered it later after they texted me at XXXX about an upcoming bill due date. All accounts are current. 

Contacted USBank and was transferred by agent who refused to give name : From CustomerService to CreditCard dept. 

Credit card Deparment call 35minutes says It's CustomerService issue ; then they disconnected me. 

Back to CustomerService dept. who after 35 more minutes says it's CreditCard Department 's issue. Then disconnected me again.

CreditCard Department says it's customerService issue and final customer service department says 1. There is no way to create a paper trail for this issue. They will not provide an email address. 2. They said they will have a Supervisor call me in 24-48 hours. It's now been 5 days and no one has called. I've experienced this dissimulation before with USBank. There never was any problem with the account. Their systems are errant and they do not take accountability. USBank regularly disconnects calls and misrepresents issues to customers. Far too many times, I have felt in the position of having to train USBank representatives. This is really poor service from a National bank that should do much better. I checked their reviews on XXXX and was horrified to see USBank has overall score of 1.3 out of 5 for 700 confirmed reviews. I hope ConsumerFinance performs some sort of customer service & quality control auditing for this 'bank '. They charged an overdraft fee and late finance charges & wasted nearly 3 hours of my time on the phone. This is my history with USBank, for which I've been a customer for at least 20 years. Thank you.
Consumer complaint received 2022-08-05
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. (MD)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc (MN)

Collection was passed to Hunter Warfield from an apartment management company. Management company alleges I have unpaid fees- however I satisfactorily met all requirements in lease agreement. Disputing that I owe any funds.
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services (CA)

I'm disputing unjustified inflated rental charges imposed by XXXX Car Rental following vandalism of rental vehicle. I booked/reserved XXXX rXXXX  XXXX XXXX XXXX XXXX XXXX contracted rate of {$510.00} to attend a funeral in XXXX XXXX XXXX Vehicle was picked up at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for rental period XXXX. When not in use, vehicle was parked at curb in a residential neighborhood ( relative residence ). On XX/XX/XXXX ( approx. XXXX XXXX. ) I discovered vehicle had been vandalized when I attempted to move vehicle. Driver 's door lock was drilled out and something was jammed in the ignition not allowing me to insert key. Vehicle was not drivable. I immediately contacted XXXX Customer Service to report vandalism, was transferred to XXXX and XXXX and filed an incident report. Was informed vehicle would be towed to XXXX, that I needed to provide access to vehicle for towing company and XXXX would be contacting me. I was also guaranteed transport to the airport to catch my noon flight. Transport was never provided. Had to contact XXXX ride-share at my expense. Towing company contacted me at XXXX p.m. ( when I landed in XXXX ) to advise they were on site and towing damaged vehicle to XXXX XXXX XXXX as directed by Dispatch. I also filed a claim with XXXX XXXX XXXX as I have a premium rental car protection policy. Since this incident, XXXX has attempted to charge and collect unjustified charges for what they allege are XXXX additional rental days the vehicle was in my possession until I returned it to XXXX. This is untrue. The towing company XXXX XXXX XXXX XXXX XXXX ) has verified that the vehicle was returned to XXXX on XX/XX/XXXX the date rental was due. The towing company stated that once XXXX XXXX is notified and an incident ID is issued, the rental agreement is considered CLOSED. XXXX has turned me over to a collection agency, Viking Client Services LLC who are attempting to collect {$2100.00} for the rental ( {$510.00} rental fee plus {$1600.00} alleged additional days ). As documented on XXXX XXXX Rental Agreement, the correct/contracted amount of the rental amount is {$510.00}, which I am willing to pay without dispute. However, Viking agents are ignoring the facts and refusing to accept this amount and want to settle the debt for {$1000.00}, which is unjustified. I have done due diligence by complying with returning the vehicle as directed. I've spent numerous hours of frustration and stress attempting to communicate with XXXX Customer Service, and Viking without success. XXXX has also placed me on a " Do Not Rent '' list. XXXX XXXX XXXX has also tried to advocate on my behalf. I am a XXXX on a fixed income and wish to end this harrowing experience as soon as possible. I have documentation to substantiate my claim.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MA)

i am a customer of Chime Bank for over 1 year! For 1 whole year, I have been a loyal bank customer with them, having my checks direct deposited into my checking account. I filed my taxes, and my taxes were set to be deposited into my chime checking account I believed to be on XX/XX/XXXX. in which, it was deposited! The next day as I'm going to cash my last check because I have been let go from my employer i received an email from chime stating that my account and funds are on hold! i proceed to call them to get an explanation in which they said that my account is being closed along with taking my tax refund that i worked all year for! I reached out to see what can be done to get my funds back and account and they generated a link to my email stating that they need two types of ID, proof of address, a selfie with today 's date, and a PDF stating where the funds came from and when it was deposited, ( although this is a national bank that is aware and documented what funds are being deposited into accounts knowingly that the IRS sent me my tax refund ) I still proceeded to work with them and sent them all information needed for them so i can regain access to my funds! ( they took my funds on the 1st of the month knowing i was just let go of my job and rent is due along with a whole list of other things ) I have called and emailed them and they seem to disregard all communications with me, not responding to my emails, generating a document link which i have completed on XX/XX/XXXX and they continue to ignore my phone calls and refuse to transfer me to a supervisor. I'm in need of help immediately i am going to get evicted from my house and have my cars repossessed and credit cards closed if i don't get help into getting my refund back. what they are doing is unlawful and disgusting ruining people 's lives and stealing from the hard-working class!
Consumer complaint received 2020-12-03
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: EQUIFAX, INC. (VA)

All three credit bureaus claim they verified this inaccurate bankruptcy thru 3 party vendor XXXX..which I contacted them for verification of this bankruptcy in which they couldnt verify the accuracy of this bankruptcy and its no longer in there system. They are in violation of the federal reporting laws, they reporting this outdated inaccurate bankruptcy on my credit report and again im requesting there method of verification of this bankruptcy
Consumer complaint received 2020-05-19
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. (FL)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.
Consumer complaint received 2020-05-19
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. (FL)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a copy of my payment history which clearly shows that I have never missed a payment. I had submitted one ( 1 ) payment and due to a system glitch with XXXX, the payment did not post until the next morning. This payment was made was well within the time frame allowed to not be considered a late payment. XXXX is showing this as a ( 30 ) day late on this account. This false reporting of a late is seriously harming my credit score and this line item needs to be updated and the late payment be deleted all together. I have contacted the bureaus to fix this error however, I have not been successful.
Consumer complaint received 2022-07-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO. (DE)

I was prequalified for an auto loan through Chase to purchase a car from XXXX auto sales with a loan amount of XXXX for 60 months with a payment of XXXX and 14.35 % interest. When I went to the dealer and advised them of the pre approval they told me they needed to submit all the information to Chase so they could reconcile the loan information, turns out they were submitting a brand new application which in fact negatively impacted me as it was a higher interest rate and higher amount of payments. This is a deceptive and unfair practice that adversely impacts customers and should be rectified.
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On the XXXX channel XXXX XXXX I got a comment saying that I have been selected by the channel for a give away. I was given instruction to move to XXXX  XXXX XXXXXXXX where then I was asked to provide information about where I live so they can shop the XXXX XXXX that I have as a giveaway and then a picture of myself and my phone number. Then I was asked to pay XXXX dollars for shipping fees through XXXX  in the app of bank of america  to XXXX registered under XXXX XXXX. Then they said if I don't pay additional XXXX $ to clear the fees then my prize will be canceled without the possibility of receiving back the XXXX dollars paid. That's when I knew it was a scam.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 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 2022-09-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NJ)

XX/XX/2022 Date added on Credit Report Amount {$73.00} I have paid this insurance fully. I have attempted to contact them long time ago. This is causing me financial damage and needs to be removed immediately from my report. Its incorrect and have been fully paid.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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: Experian Information Solutions Inc. (AL)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX XXXX XXXX Acct # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. I contacted " Experian " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Thank you, XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

On Tuesday XX/XX/XXXX I had money put on my card by XXXX XXXX total of {$420.00} and I noticed at XXXX. There was a transaction was made of the amount of {$400.00} leaving me with {$20.00} left the transaction was made XXXX XXXX  XXXX XXXX  in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA US cash charge {$3.00}.
Consumer complaint received 2023-02-21
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: Receivable Solutions LLC (SC)

There are multiple inquiries on my XXXX credit report that I do not recognize. I have notified XXXX in writing of the unrecognized inquiries and they responded with a letter telling me to contact the companies who received my credit report to find out if they opened an account in my name and that they can investigate and determine it was fraudulent. I do not know who the companies are that accessed my credit report but I know that they did not have my consen or permissible purpose.. The other two credit bureaus XXXX XXXX XXXX XXXX  ) did not report those inquiries. XXXX is willfully and knowingly in clear violation of the FCRA amongst other federal regulations and statues. XXXX is taking advantage of the consumer laws by dismissing my dispute without investigation! This problem has caused me much stress and XXXX  and has had a negative impact on my life. 
The second issue with XXXX is an account that is reported as a collection on my account that I do not recognize. I wish to see the original contract with wet signature of mine. It is an alleged debt of over {$4000.00}. I demand to have this account removed from my credit report. I have disputed this account and never even received a letter back from XXXX or notification of an investigation. I do not wish to have to seek counsel regarding these matters but it looks as though I may have no other choice.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

i do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with these accounts? 










XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Payment Status Charge-off Charged off as bad debt Unpaid balance reported as a loss by credit grantor Worst Delinquency 120+ days past due None Reported Charge Off/Other Derog Balance {$1900.00} {$1900.00} {$1900.00} Credit Limit {$1000.00} {$1000.00} {$1000.00} Credit Utilization 180 % 180 % 180 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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. (KY)

In accordance with the 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 : # has violated my rights ( 15 ) U.S.C 1681 SECTIOM 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 WRRITTEN INSTRUCTIONS.

( 15 ) U.S.C 1681 C. ( 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 than seven years.

15 U.S.C 1681 s-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 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

In the XXXX  of 2022, I signed up for biweekly payments on my home mortgage with Mr. Cooper. The new payment would resemble 1/2 of the monthly principal, interest, and escrow due every two weeks instead of the previous monthly payment. A reasonable person would have assumed that biweekly payments would help them reduce their interest expense in two ways. First, payments made biweekly would reduce the balance of the mortgage earlier than a traditional monthly payment and thus, save the consumer substantial interest expense over the life of the loan. I believe this to be the most important benefit of biweekly payments, and would be the main reason anyone would sign up for this type of payment structure. The secondary benefit would be that there would be 26 biweekly payments made in a year vs. 12 monthly payments on a traditional monthly pay structure. This essentially equates to Mr. Cooper facilitating an extra month of principal payment by the consumer per year. Mr. Cooper constructed their biweekly payment program to completely eliminate the reasonably expected benefit of the first pro of biweekly payments I mentioned above. Mr. Cooper is holding the consumers first biweekly payment made in a month in limbo until the second biweekly payment for the month is made 14 days later. Mr. Cooper then finally applies the combination of the two payments to the loan, entirely negating the benefit of making the first biweekly payment early. For example, on XX/XX/2022 I paid {$900.00} to Mr. Cooper for my first of XXXX 's biweekly payments. This transaction was listed as " unapplied funds '' in my account history on Mr. Coopers website with no reduction in principal balance, application of interest, or deposit into escrow on that date. It isn't until my second biweekly payment in XXXX is made on XX/XX/2022 that Mr. Cooper applies any of my payments to either principal, interest, or escrow on my loan. I believe materially diminishes benefits of biweekly payments and it is reasonable for a consumer to presume that Mr. Cooper would apply payments as they are received instead of holding the funds until the second payment is made 14 days later. Mr. Coopers advertisement and application of this feature is misleading and unfair to a rational consumer.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (IN)

My truck was taken from Wells Fargo Bank in XXXX of 2021. I had overpayed {$4000.00} but with XXXX  related problems i was unable to catch up with payments and that lead to me not looking foward into this problem and so my truck was repossed and I was still left to pay the money and filed XXXX  my dad was also on my loan