davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc. (AL)

I applied for an online loan through tower loan on XX/XX/2018. I was told I was not approved for the amount requested ( XXXX ) but I did qualify for XXXX and could go into the loan office if I still wanted the loan. I signed my paperwork, received my loan funds and left on XX/XX/XXXX. 

Now, I show 2 credit inquiries for tower loan on the same date, XX/XX/2018. I have requested they remove 1 of the inquires as it was for the same loan, on the same day, with the same company. I did not apply for 2 loans. I did not authorize anyone to run my credit twice.The manager of the XXXX, AL branch called me this morning to let me know Towers home office and her supervisor XXXX are not going to remove either of the inquiries. Any finance company should not be allowed to run 2 hard inquiries on the same day for the same loan. I only have 1 loan and have only ever had 1 loan with Tower.  There should NOT be 2 Hard inquiries and I want 1 of them removed. It is on my XXXX XXXX. I have tried to handle through Tower to no avail. Please help.
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

My creditor is charging me a " late fee '' when I made payment arrangements with one of their online agents. From the chat I asked the agent to process the payment : " XXXXXXXX XXXX : XXXX XXXX : You just need to make the payment chat or call us for the allocation process and we will be glad to do that for you. XXXX XXXX : CustomerXXXX : I need that " allocation process '' now. XXXX XXXX : XXXX XXXX : Sure, let me help you with that. '' She did not make that payment for me, so now, they are you charging me late fees in the amount of {$27.00}. 

Additionally, the Synchrony account website pages are extremely confusing to navigate with minimal information to help consumers understand their account staus '. They tether you to " agents '' that don't seem to do what they say they will, or otherwise make confusing statements in the chats.
Consumer complaint received 2018-07-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

I signed up for an XXXX XXXX XXXX about two years ago. Fees were added to this account that I was not made aware of until it reached collections. I never received a physical hard copy of an XXXX XXXX card in the mail. The two times I used balance from an XXXX XXXX account is was by in person contact with a sales associate at an XXXX XXXX store. The sales associate asked me if I signed up for an XXXX XXXX card, I said yes but I do not have the physical card, the sales associate replied and said its okay I just need your phone/ email, then I was charged virtual accordingly. Again. I have never received any XXXX XXXX card in the mail. I am willing to pay for the purchases that are on this account. However, the added fees is something I was not made aware of until it reached collections. I have contacted the President of XXXX XXXX regarding this matter. I am a college student desperately trying to establish credit for my future. Again, I will pay for any purchases before the fees were admitted to the account. Thank you.
Consumer complaint received 2018-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2018 I spoke with a gentleman by the name of XXXX regarding my Serve account with American Express. This conversation took place at XXXX.

I asked him not to process a payment of {$160.00} that had been set up on bill pay as I had already taken care of paying the bill. He assured me that the transaction would not take place however it was sent it anyway and processed as a stop payment and I was subsequently charged a stop payment fee of {$50.00} from the town or XXXX. Again, XXXX  had told me that he had cancelled the bill pay and that the check would not be sent.

In short American Express Serve owes me {$50.00}.

Thank you for your assistance.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Phoenix Recovery Group (TX)

In XX/XX/XXXX, I moved from my home in XXXX. At the time of the move, I notified XXXX XXXX XXXX, which provided curbside waste collection, to close my account and provide final billing. I paid final billing. Years later, in XX/XX/XXXX, I was contacted by a credit collection service, XXXX XXXX, regarding an account which XXXX had sent to collection ( stating original amount owed {$210.00}, then due {$340.00} ). I spoke with Phoenix rep several times and provided proof of my communication to XXXX closing the account. They took in for review - and to my knowledge, closed the file, but I did not get confirmation of that. In reviewing my credit report, I see that this remains as a derogatory action on my credit report and wish to have this removed. Thank you.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX my credit report and I saw fraudulent accounts open on, my name I never apply or have any business with this creditors, this accounts have to be removed XXXX XXXX ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-07-05
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: U.S. BANCORP (TX)

In the spring of XX/XX/XXXX, I got a XXXX XXXX XXXX credit card ending in XXXX. Everything seemed to be going along fine with only one blip in XX/XX/XXXX when I did not receive a stmt. This was resolved and fees and interest were credited back to me.

Then in XX/XX/XXXX there was fraud activity on the credit card. This seemed to happen when I went to XXXX XXXX, CO in XX/XX/XXXX. Evidently someone, somehow, advanced {$2000.00} to a US Bank Silver Checking account ( I don't have one of those ), and that amount was charged to my credit card ending in XXXX. I reported it immediately and was issued a new credit card ending in XXXX, and the Silver Checking acct was closed by US Bank.

I told them that I did not want another credit card, and I never activated that card. Nevertheless, I received a stmt dated XX/XX/XXXX for card ending XXXX with a credit of {$1900.00} and rec 'd another stmt closing date XX/XX/XXXX with the same credit amount. I called US Bank soon after receiving that stmt, I did not get a name or an exact date at that time as I never expected their accounting department to be so inefficient. I let them know that there should not be a credit on my account as the {$2000.00} fraud activity was not mine to be credited, and I never paid that amount to US Bank to earn a credit from them.

I thought it was over until I received a stmt closing date XX/XX/XXXX for yet another credit card # ending XXXX. This stmt also showed the same credit as did a XX/XX/XXXX and XX/XX/XXXX stmt. Then, to my surprise, I received a check for the amount of the credit. Check # XXXX, dated XX/XX/XXXX from Cardmember Service agent for US Bank Nat'l Assc. I did not cash the check and still have it.

Then closing date, XX/XX/XXXX, I receive at stmt for acct ending XXXX with a new balance of {$2000.00}. SNAP! This was the amount of the original fraud. I have called twice now and talked to XXXX, and XXXX, XXXX  and was not helped either time. Their phone tree is onerous, and the redundancy of their questions when switched from person to person is far too aggravating for words. Now, the stmt for closing date XX/XX/XXXX shows a balance due of {$2000.00} because of interest and fees. I give up getting anything done with these folks. I do not owe anything to my knowledge to US Bank. The {$2000.00} was fraud and was reported as such immediately. Every time I call and talk to someone at US Bank, I get another card, and the situation gets worse.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2018-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion Rep XXXX refuse to assist, I have been a victim of their Inquiry issue with the following inquires they are reporting the following inquiries I requested proof such as a signed document baring my signature she refused. Inquiries are as follows check into c DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX DATE XX/XX/XXXX XXXX   XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX DATE XX/XX/XXXX INFORMATIVE DATE XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc. (NC)

Company called NCC Business Service # XXXX says I owe them money. I do not owe them money. I have never been contacted by them personally saying I owe them anything. Nor, any company they are associated with have I ever received anything about owing them debt. Please help me thank you. They sent to XXXX to ruin my credit on XX/XX/15 for XXXX. I owe NCC Business nothing.
Consumer complaint received 2018-07-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On XX/XX/18 I placed an item on my Equifax credit report in dispute. On XX/XX/18, I was notified to login and check on the status of the dispute. Today is XX/XX/18, and I have tried every day since XX/XX/18 to login and can not access their status check or my credit report. I have logged into my account, but can not retrieve any additional information. I have done an online chat two times without any success, most recently today, and have called their customer service number only to be told that they can't help me. How am I to be able to monitor my credit report if I can't retrieve my credit report from Equifax or see any dispute resolutions? This is unacceptable that a company can hold such a monopoly on my credit information without providing any assistance or resolution to inaccuracies.

No one wants to do anything about this heinous company. Equifax has gotten away with erroneous credit reportings for years. As a consumer, I should be able to see my report and fix any inaccuracies, but I can not. How to you let Equifax continue to get away with this? I have had issues with them over the years. XXXX  and XXXX  at least resolve the issue. Equifax does not care, and until the CFPB or someone holds them accountable to the consumer, they will continue to treat consumers in this way. Help!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Without my knowledge, XXXX XXXX Bank ( XXXX ) increased credit limit from {$17000.00} to {$20000.00}. I contacted XXXX representative to discuss and request that it be kept at its original amount due to identify theft concerns. I also requested she place an " opt out '' note to prevent future increases. She did not mention this would be reported to credit agencies as a decrease in credit limit. 
XX/XX/year> Called WFB to complain ; I was instructed to submit a dispute. 
XX/XX/year> Submitted a written Credit Bureau dispute to XXXX XX/XX/year> XXXX XXXX XXXX to XXXX, XXXX and Transunion that the credit increase/decrease on my credit report as submitted by XXXX were, in fact, false and not accurate. The decrease in limit was initiated by the consumer and not XXXX. I also submitted Consumer Statements stating that the information reported by XXXX was false. All three agencies refuse to correct credit increase/decrease reported falsely by XXXX. 
XX/XX/year> Received call from XXXX ( XXXX XXXX that he was advocating for a correction. He was not able to assist me. 
XX/XX/year> Received letter from XXXX ( dated XX/XX/year> ) refusing to correct the information submitted to XXXX credit agencies. 
I am requesting that XXXX reverse their decision and correct information on my XXXX credit reports indicating that " they '' increased credit limited from XX/XX/XXXX - XX/XX/XXXX and then decreased it on XX/XX/XXXX. 
Consumers should not be penalized for trying to protect their credit that, unfortunately, allows credit card companies to automatically increase credit limits without their knowledge. 
This was a WFB error that they reported my consumer request as a " credit decrease '' when, in fact, it was the consumer who requested the change to the original credit to protect credit scores.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately. 

Your agency is in violation! 
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 2018-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

For the past years someone is using my personal information to put inquiries on my account and countiously try to open accounts every time. I have filed a police report every time. I have tried contacting the companies. Some help and others give me the run around. This all happened when i was XXXX in 2014 and i had lost my backpack at school at the University of XXXX which had my new bank card along with all my personal information including my social secruity number which i had used that day to apply for financial aid. Ever since then i have had identy theft
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

My name is XXXX XXXX and I have a loan with Ocwen loan services. They have put me in a loan that is now illegal but at the time it was not, a negative amortization ARM loan. I have been making my payments diligently either by phone or by internet. Never once have I missed a payment in the last 24 months. However, Ocwen has reported me as being late multiple times throughout the past 24 months. I have tried to speak with them about removing the late payments, but they have refused to delete the late payments. I truly believe they are just trying to hold down my credit so I can not refinance my mortgage loan. They are telling me it is due to increased fees and different payment amounts. What I don't understand, is that I always call in or pay online the payment that they say is owed. I don't just send in the same payment every month by check, I always pay what they say is owed. I have attached a bunch of documents clearing this up and will work on getting bank statements to show all payments have been made. Ocwen has already been sued for deceptive mortgage practices, which I have attached the documentation. Every time I try to call over to them, they have their call centers in XXXX and XXXX and there is a language barrier as well. Because of this it is very hard to get anything resolved because it is hard to communicate.
Consumer complaint received 2018-03-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

My name is XXXX XXXX last 4 of my SSN are XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. I made a payment through the online system for my car payment on XX/XX/XXXX. This payment was returned because I submitted through savings instead of checking. I only authorized a ONE TIME PAYMENT. On XX/XX/ Ally bank resubmitted the payment through without my authorization causing my bank to charge me XXXX. I called in and spoke with a manager named XXXX who told me that they did not need my authorization to process this payment since I already gave it onXX/XX/XXXX. She claimed that by me making that payment I gave authorization for the to go in and draft my account again if the payment was returned. She stated this was and agreement I made before submitting the payment. Well I went back and check what the online system stated when making a payment. " I authorize Ally to debit a one-time payment from my designated account in the amount and on the date i have selected and this authorization will be in effect until the payment is paid or until I cancel ''. No where does it state if my payment comes back I authorize Ally to draft my account again. I believe this practice is unfair and deceptive.
Consumer complaint received 2024-10-17
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

I was contacted today by this company about a debt from 2018 I informed the lady that I was told this debt is time barred in my state of Kentucky because it's over 5 years and it was a department store card. She told me she didn't think that that was correct and that she would have to talk to her supervisor to find out if it could be time-barred based on my home address. I then asked for her to put a cease and desist on my record and that I would appreciate no more call text emails or Postal mail. She told me that they would reply by postal mail and I asked her to please not do that and I tried to confirm that the cease and desist covered all types of contacting me. She told me that was also not the case that they could still mail me things even if I requested a decent desist. She told me that they would contact me after she spoke to her supervisor about the time bar debt and I again asked for them to not contact me but she was pretty adamant that they would in fact contact me again