davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I have my student loan through Ed Financial and each time I make a payment it gets reversed. On XX/XX/2023 I made a payment of {$170.00}. The payment was immediately reversed. On XX/XX/2023 I made a payment of {$350.00} because I had to make up for my " late '' payment in XX/XX/XXXX. The payment was immediately reversed. I am in a situation where I have the necessary funds in my bank account and for no reason whatsoever I can't make a payment. Eventually this is going to impact my credit and it is through no fault of my own. I am attaching a screenshot of what my issue is.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is allowing a restaurant in XXXX, XXXX to charge me {$2700.00} USD for a transaction that was supposed to be in XXXX ( Pesos ), which would have roughly been {$130.00}. This restaurant ( XXXX XXXX ) also attempted to charge me {$4700.00} USD the same night. Additionally, XXXX XXXX attempted to charge my cousin over {$10000.00} USD on his credit cards and his company XXXX XXXX XXXX ) rightfully denied the charges. The restaurant does not have a signed receipt from me and never provided me an invoice or receipt. The restaurant in XXXX has many reviews stating they overcharge and double charge people. Capital One is refusing to address my concern and reimburse me the money that was fraudulently taken from me. Capital One is telling me I have to resolve the issue with the restaurant ( which is in a foreign country and has not responded to any of my attempts to contact them ). This is unacceptable that an American company is allowing a restaurant in a foreign company to steal thousands of dollars from an American citizen.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Spoke with representative at credit card company XXXX XXXX on XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. 
XXXX XXXX is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. 

Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment. 

Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. 

Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed. 

The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. 

Placed me on hold several times. Unable to help and argued that there are no updates. 

XXXX and Transunion are reporting these inaccuracies and will not investigate.
Consumer complaint received 2022-10-06
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. 

XXXX XXXX  Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX, ( Original Creditor : XXXX ) XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX 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.

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 and 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 who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFTS ACCOUNTS ASAP!!! 

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  I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX of XXXX- I ask them to to try and Qualify me for a car under my Business EIN ( I did not give them my personal SSN ) and It still appeared on my Personal Credit File. 

XX/XX/XXXX This is the same situation as with XXXX XXXX of XXXX. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. I applied for a credit card. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. 

The below are all Inquiries that I did not authorize : XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX TransUnion : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX Lease Only XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist Bank began servicing my loan effective XX/XX/2022. In the notice of servicing transfer letter than Truist Bank sent me on XX/XX/2022, Truist Bank instructed me to login to their website in order to create an account and pay my loan. 

On XX/XX/2022 at XXXX XXXX I attempted to create an account on the Truist Bank website through the instructions provided in the notice of servicing, but the website repeatedly suffered from a technical issue which prevented me on multiple attempts from creating an account. 

On XX/XX/2022 at XXXX XXXX I attempted once again to create an account on the Truist Bank website in order to pay my loan electronically, but faced the same technical issue that prevented me from creating an account. The technical issue originates from inadequate coding practices performed on behalf of Truist Bank in the way they validate existing user ID 's. I called Truist Bank at their toll-free Client Services Department telephone number and spent 12 minutes on hold until I was connected with a customer service representative. After explaining my issue, the representative stated they would transfer me to technical support, but they did not transfer me and instead put me back into the call waiting queue where I spent an additional XXXX minutes on hold until I was connected to a representative. The representative stated that they were not able to have a discussion with me, and ended the call. 

In doing so, Truist Financial has prevented me from creating an account in order to pay my loan online, which leaves me with no other option than to pay my loan via direct deposit, which requires mailing a direct deposit authorization letter, or mail physical letters to their address, incurring significant postage expenses on my behalf.
Consumer complaint received 2022-08-21
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. (AR)

EXPERIAN, XXXX, AND XXXX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. They failed to do there job, which is causing severe damage to my character and my life. Ive sent them multiples of letters and they failed to do their investigation. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Consumer complaint received 2022-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (FL)

Amsher debt collection keeps reappearing on my credit report for collections, I have disputed this with XXXX and others and they still show as the debt exists. 
attached are both an email and print out from my account that this XXXX was paid in XXXX using my hsa card.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

This Person ( XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by XXXX XXXX that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I dispute this debit and ask for validation 4 times and they keep saying I owe them money {$4500.00}. this is not my debit. I don't know this company and I don't have a sign contract with this company.
Consumer complaint received 2022-01-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

Chase Auto On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX. 
I provided my social security number in order to seek out financing for this vehicle. 
The total loan amount was {$50000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction. 
I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )
Consumer complaint received 2023-01-16
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-06
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

XXXX XXXX Opened an XXXX XX/XX/XXXX XXXX cell phone acct to add to my internet service with XXXX XXXX The promotion offered was 3 free phones, 4th a promotional price of {$700.00} and 5th in exchange for my Iphone ( from previous service provider ) and rewards card in the amount of {$600.00} to go towards the {$700.00} promotional cell. My monthly cell phone service fee was to be {$120.00} a month for all cell service. From XXXX to XX/XX/2021 ( when i closed acct due to no correction of acct ), I continuously called about a bill i had received every month to pay {$500.00}. For 8 months i had received a bill for {$500.00} in which no one could help fix the error. I called the XXXX Sales Consultant that opened my acct, XXXX XXXX, and he said he would fix it. I never got the acct corrected after paying $ XXXX every month ( i was told they would disconnect my service if i didn't pay it ). I closed the acct and then i received a bill for {$3200.00}. This quickly went into collection ruining my good credit. I spoke to credit co and disputed this. XXXX never responded and i advised the credit co XXXX was in violation of the collection practices act and it was well over the 30 days and was in fact more than 90 days. The credit Co then responded by saying they would be ceasing all communication and i would need to contact XXXX directly. I would like this resolved and taken off my credit report. I have all receipts, names and invoices i submitted in the dispute. Please help as this has affected my perfect credit.
Consumer complaint received 2022-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Unknown and unowned debt doing years of harm by this unknown creditor. Not sure where these debts are coming from but they are not mine. 
Several Merchant and Medical accounts that I have never heard of with various balances. See attached image.
Consumer complaint received 2022-06-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To whom may he/she concern, On XX/XX/2022, I received a letter from Bank of America and I opened it and noticed the account doesn't belongs to me. I call the Bank of America on XX/XX/2022 and told them I did not own this credit card and I did not purchase {$290.00} from XXXX, CA. The gentleman said he will close the account for me and until now I still have not receive any letter from Bank of America about this situation. Please notify me what to do next.
Consumer complaint received 2022-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MD)

I have a loan with One Main financial in XXXX, Maryland. have had this loan for over 5 years. For what ever reason I can not use a check. I always pay with a debit card. When I tried to pay my bill in XXXX by logging into my account on XXXX XXXX it would not take. Then on XXXX XXXX I tried to log into my account and pay my bill. Once again it would not take. I called the XXXX XXXX number and the customer service representative tried to put it through. He stated it was something wrong with the system and he tried to put it through several times using my debit information. I told him I would call back. Then he advised he was going to try it using my checking account I had on file. I explained to him my checking account did not work with their company. He stated he was going to try. He then advised the system took the checking account information and he gave me a reference number. On XXXX XXXX I received an email stating my check was returned and I needed to pay my bill. I went on line on XXXX XXXX and paid the monthly amount I owed. Later that day I received a call from the One main branch in XXXX, Maryland advising I needed to pay the late fee. I tried to explain and the young lady from One Main Financial was not having my explanation. I ended the call telling her to have a nice day. I just received another texted XXXX XXXX stating my monthly bill is due. I went on line and my balance is still the same and it says I owe a late fee {$26.00} I feel like Im being harassed into paying a late fee.
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (TX)

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 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 I went to the car dealership and I told the salesman to pull my credit once and they pulled it multiple times
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (MD)

I opened an account with Truist for my non-profit organization on XX/XX/XXXX. 
I asked at the opening of the bank account what were the fees to handle the account I was told there are zero fees because I am XXXX 
Due to donations being held longer by my XXXX XXXX  ( and unbeknownst to me as I thought donations through card payments went directly into my bank account ) the donation money did not go into the bank account early enough and I made three very small purchases that went into overdraft two purchases of {$2.00} each on XX/XX/XXXX and XX/XX/XXXX and one purchase of {$88.00} on XX/XX/XXXX. 
The bank charged two overdraft fees of {$36.00} for each for the two {$2.00} dollars purchases on XX/XX/XXXX and XX/XX/XXXX and another overdraft fee of {$36.00} on XX/XX/XXXX. So total {$100.00} of overdraft fees. 

I went to the bank twice to fix the issue, once I went to cover the overdraft on XX/XX/XXXX and made a {$200.00} deposit, and then I talked to an adviser in person on that same XX/XX/XXXX, I asked him to remove the fees, I told him I thought the website had wired donations to the account and I thought in good faith that the account had sufficient funds. 
The adviser said he could not process three fees removal and he would have to ask the director on the next Monday. I went back to the bank on XX/XX/XXXX and I met with the manager or director and he said he put a request to corporate for overdraft fee removal. He showed me the email and he told me he would give me a follow up. We are XX/XX/XXXX, and since then no news, no answer and the fees are not refunded. 
On XX/XX/XXXX, I reminded the director that truist had officially announced on the CFPB website that they are no longer charging NSF fees. He said that it was not applying because they still apply those fees to organizations like me. I was pretty shocked since they made an official announcement, and since I am a very small XXXX  with extremely small donations, i am not a business, I run a very XXXX XXXX XXXX XXXX I barely have anything in the bank. I find scandalous that they charge two {$36.00} fees so {$78.00} total for {$4.00} total of overdraft ( 2 purchases of {$2.00} each ) and they are lying to federal authorities and to the public by saying they removed the NSF fees, as they are still applying them. See left column https : //www.consumerfinance.gov/about-us/blog/consumers-on-course-to-save-one-billion-in-nsf-fees-annually-but-some-banks-continue-to-charge-them/ I want to put a formal complaint against this institution, I am a very XXXX XXXX XXXX, I am not a business and they are disseminating false information on NSF fees on a public website ( on the CFPB website ) as they still charge NSF fees XXXX I was given no moratorium or no chance to bring the account positive, I was automatically charged 3 overdraft fees in a row with no chance to regularize the account. I need them to refund the {$100.00} of overdraft fees.