davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (IL)

I run a XXXX XXXX. I got a submission for request from my website on XX/XX/year>. The person named XXXX XXXX wanted to hire me to XXXX  a family reunion event on XX/XX/year>. I have XXXX  a family reunion event previously so didnt think anything of it. We conversed through email setting up the date, time, payment, and contract. He signed my contract and wanted to pay the deposit ( which would secure his date ). On Friday XX/XX/XXXX he sent me a deposit via check that I put in my account ( at US Bank ). I sent a message to XXXX XXXX saying the deposit went through and his date is secure for the event in XXXX. On this same day, I received my paycheck from work ( occurs every Friday ) and I sent money via XXXX to my boyfriend for rent ( which I have done the beginning of every month for the past two years ). I didnt go on my bank account all weekend as I was working. I didnt converse with XXXX XXXX on the weekend. On Monday, XX/XX/year>, I got an email from my XXXX XXXX XXXX saying my bank declined my payment to my credit card. I thought that was weird as I knew I had sufficient funds in my account. I tried to login to my bank app but I received a message that was account was temporary unavailable. I called my bank and the woman told me my account was going to be locked for XXXX hours and they were looking into suspicious activity. On Wednesday XX/XX/XXXX I called my bank again trying to see if I can get back into my account. The woman I spoke to said my account balance was at XXXX XXXX She had told me the check from XXXX XXXX from last Friday bounced. There were a couple of XXXX payments on Friday and over the weekend I had not done. One was {$1000.00} to a XXXX XXXX. I do not know this person at all and did not send money to them. She didnt give my the names from the other payments. I can not login to see for myself the transactions. If you look at my XXXX past transactions you can see the only XXXX payment I ever do is the rent to my boyfriend at the beginning of the month for the past two years! I am not sure how much they took as I can not get into my account. The bank will be closing it.
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc (LA)

I received numerous phone calls and letters from XXXX XXXX about a debt I owed. I mailed a debt validation letter to the company about this alleged debt I owed on XX/XX/XXXX via certified mail and got a returned receipt with a signature that it was received in XX/XX/XXXX. It is now XX/XX/XXXX and I still have no response from them regarding validation of this alleged debt. This debt that does not belong to me is harming my credit scores. They had 30-45 days to respond. They have passed the required response limit. I need answers.
Consumer complaint received 2020-02-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I had received a new bank account offer from Citi Bank in mail, directly addressed to me, around mid of 2019. 

One of the offers required me to open a checking and savings account package, deposit {$15000.00} in the savings account within 30 calendar days of account opening and keep it there for 60 consecutive days, and complete one qualifying deposit to the checking account for two consecutive months. I have Upon completing the required conditions, I was to supposed be paid a {$500.00} bonus by Citi Bank. 

I applied for the account online on XX/XX/2019. Upon submitting the application, received an email confirmation saying that it is under process and the bank will get back to confirm within 5 business days. Copy of email is attached. 

I received an email on XX/XX/XXXX saying that my account is now open and I can go ahead an deposit funds into my account. Copy of email is attached. 

I set up the required direct deposit soon after and deposited the {$15000.00} in my account on XXXX XXXX which got credited into my account on XXXX XXXX. Copy of bank statement attached. 

After that, I waited until XXXX of XXXX for my bonus. Upon noticing that I have not been paid the bonus yet, I called up the bank thrice. I was told that I will NOT BE PAID THE BONUS. The reason given was that PER THE BANK, THE {$15000.00} DEPOSIT WAS MADE AFTER 30 DAYS AS THEY CALCULATE 30 DAYS FROM THE DATE THE ACCOUNT APPLICATION WAS SUBMITTED AND NOT THE DATE WHEN ACCOUNT WAS OPENED. 

I believe I fulfilled all the conditions and the bank never provided any such special clarifications about the account opening date in their terms and conditions or fine print. 

Upon doing an internet search, I found many forums where people have mentioned one or the other strange reason for which Citi Bank had denied bonuses to people. 

They had my money for 5 months, and still have. There is some opportunity cost of the money which is the reason why I took the offer.
Consumer complaint received 2020-02-18
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. (CA)

I have asked for verification on several accounts that do not belong to me and they continue to come back " verified '' with absolutely no proof! If no actual evidence or original contract can be presented to me then the items MUST be deleted. 

account name : XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX / XXXX XXXX  Acct # : XXXX
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I used my Shell Small Business Card to purchase fuel from Shell Station number XXXX in XXXX, WY. After paying the cashier, my card was not returned to me. I was unaware of this. I was driving on a long trip and did not have need for my Shell card after that. Back at home in XXXX XXXX I frequent a station that does not accept Shell Cards so I was still unaware that it had been lifted. In XX/XX/XXXX my bookkeeper advised me that someone was using the same card to purchase gas from the same station in XXXX, WY. That card was used for 48 transaction over the next 2 months to buy fuel ( sometimes multiple transactions in the same day ) for a total amount of {$2900.00}. Once I discovered this I immediately called Shell Business Card and reported the fraudulent charges. I told them that it seemed to be an inside job as I then recalled that the station attendant had not returned my card to me. Additionally I have noticed that if I use my card at the pump, it requires me to input my PIN. If I take it to the cashier and they process the card, no PIN is necessary. I believe that an employee or related party of that particular gas station is responsible for stealing my card and making the fraudulent charges since they would not need a PIN to run the card there. Shell posted a {$2900.00} credit on my account after I reported it and told me they would investigate the fraudulent charges. However, in XX/XX/XXXX, Shell Small Business Card, billed me back for the {$2900.00} of fraudulent charges. 

On XX/XX/XXXX Shell Small Business Card, Security Operations Center sent me a form letter that advised me that they had completed their investigation of unauthorized use and they had determined that mu Company was responsible for the charges. They said that their policy was that if I ( my small business ) had 10 or more cards issued to it at my request, that in accordance with section 135 of the Federal Truth in Lending Act, I automatically waived all limitations to liability for unauthorized use. 

On XX/XX/XXXX, I sent a letter of response to Shell Small Business Card, Security Operations and told them that I took exception to their claim that I had requested to be issued 10 or more cards. I asked them to send proof that I or my company had ever requested 10 or more cards to be issued. I also told them that I believe that they issued 10 or more cards to us without our consent specifically to dodge liability for unauthorized use and effectively force my waiver of liability. 
As of now, I have not received any more correspondence from Shell on this matter. The Shell Small Business invoice has a balance due of {$1500.00} on it that is accruing interest and late charges. I have not been paying them since XX/XX/XXXX.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/2018 tried to settle a debt with XXXX XXXX finance company ( debt collector ). Set ach payment with them and asked to settle remaining debt of {$460.00}. Collector refused and said I have to pay the full amount. The company never disclosed that if I set up an ach it voids me from settling the debt. I think it is unethical. Then they asked to settle debt for {$30.00} less. They also send statements with the amount they draft from me and not a actual balance. Also did not disclose reference number for stop payment of ach.
Consumer complaint received 2021-11-16
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: Social Finance, Inc. (FL)

Sofi Lending Corp and XXXX has reported defamatory information about me to XXXX on XX/XX/. I am challenging the incorrect information with the Sofi and XXXX inquiries on my credit report. Where Sofi clearly violated the law. Sofi and XXXX put on my credit report an inquiries that is not mine. The inquiry is false and the date false. Verification of claim against me ( a sworn affidavit ) Im challenging this inquiry with Sofi and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this inquiry such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove inquiry from XXXX credit report immediately.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WI)

Today, XX/XX/2021, I received an alert from XXXX  and XXXX  that. a collection account had been added to my credit report. The collection agency is named enhanced recovery company based in XXXX Florida. this is the 3rd time this company has added a collection account to my credit report over the last three years. this incident involves an account with we energies, with whom I've never had an account. This company has nearly 1000 complaints with the XXXX. most for the same reason I'm making this complaint. This company tries to scam people into paying collections for debts they do not owe. Something needs to be done about them.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

Chase bank has refused to properly investigate disputes filed against XXXX XXXX and left me with a negative balance of excesss of XXXX dollars due to failing to review all evidence i have submitted. I have asked for case updates and was rold that the XXXX   XXXX XXXX did not properly investigate the matter. When speaking with chase i interacted with a very rude representative whom i informed that i was recording the call and he said nothing he informed me that hia supervisor told him to tell me she was going to tell me the same thing he was. When i asked to speak to that supervisor XXXX i informed her as well i was still recordning the call and she got an attitude with me saying that she didnt authorize me to record the call and refused to assist further
Consumer complaint received 2019-09-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp (GA)

Lending club stated I received funds into my bank account on XX/XX/2018. My account was put on hold due to identity fraud and hacked on XX/XX/2018 as the bank Say I would have not been able to receive any deposits or withdraw any. I sent the bank statements to lending club fraud department and the bank manager also stated she left 6 voicemails within two days and never received a call back. I ask lending club to remove the account after doing more investigations. The lending club is forcing me to pay for a XXXX XXXX loam I never received in the amount of {$7100.00}. They sold the debt to XXXX XXXX investigator as {$8100.00}. I sent the same paperwork to XXXX XXXX  email and didnt get any responses. I even tried negotiating the XXXX I had in my savings to get the account negotiated and written off.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I contacted XXXX and get better understanding off my loan. The loan was originally with XXXX XXXX but they closed down and XXXX bought the loan. 
I don't understand what's going on with this loan ( ACCT : XXXX ). For the month of XX/XX/XXXX {$250.00} were paid to XXXX XXXX/XXXX but the customer service representative told me over the phone that only {$100.00} was received. The total payoff for the loan should be less than {$450.00} at the moment but I'm being told that there's a higher amount and I don't have to pay until XX/XX/XXXX. How is this possible? Could you please help understand what is going on. Attached to this email is a copy of Leave and Earning Statement ( LES ) and Allotment information that shows my payments. I believe the interest rate of this loan has raised without my knowledge and agreement. The company is NOT reporting to the Credit Bureaus at all.
Consumer complaint received 2018-02-23
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. (NJ)

XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as well! This purported debt was rescinded and closed out by XXXX XXXX XXXX a/k/a XXXX.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (WI)

XXXX XXXX XXXX was removed from my XXXX XXXX account for fraudulently reporting. This was included in my bankruptcy in 2013. This should be removed from XXXX AND XXXX as well. 

The file attached shows XXXX XXXX removed.
Consumer complaint received 2019-08-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (NY)

I’m having problem with XXXXXXXX XXXX in XXXX.And the frauds Bank Westlake Fin.Both auto dealer and this bank has been sued from many clients,I have purchased a Car in XX/XX/XXXXI returned it XX/XX/XXXX.i never recived any papers from the bank statement of how much was sold for,I never recived any court papers,Westlake Fin.Bank has put Collection on my credit for XXXXXXXX XXXX sales has put XXXX in collection.The car was bought for XXXXI have tried to disputed many times.XXXX  has been on them for few years.please help.thank you
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

On XX/XX/19 a company named XXXX, address XXXX XXXX XXXX. XXXX . XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are Equifax and XXXX. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. XXXX has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with Eqifax ( confirmation # XXXX ) and XXXX  ( report # XXXX ) and they have not removed the reporting either. 
XXXX 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the foreclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that XXXX produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

said that I owe about XXXX but they will resolve my debt for XXXX  I asked for a letter stating our agreement before I pay and they said that is not possible I have to take her word and all calls are recorded and she can not send out emails there is one person that sends out emails and that s after you have paid I will not pay a single XXXX until I have it in writing that I owe this money and where it is going to
Consumer complaint received 2024-09-05
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: Conn's, Inc. (TX)

The presence of an adverse rating on my account is of great concern to me. I am deeply troubled by its potential impact on my creditworthiness. This negative mark has already led to the rejection of a recent loan application and increased interest rates on my existing credit accounts. I can not overstate the severe financial and emotional strain this unfavorable rating has caused and will continue to cause until it is addressed.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have received a copy of my credit report from Experian that currently still show inaccurate information. I have sent 3 requests to Experian for an investigation of the alleged public record listed of bankruptcy. I have received an incomplete and unverified information back from Experian states that alleged public record verified per data furnisher. Experian have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. 
I demand you to remove this item below : 1 ) XXXX  XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXX XXXX Latest status date : XX/XX/XXXX XXXX ) XXXX  XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXX XXXX Latest status date : XX/XX/XXXX Please find attached documents : XXXX XXXX United States Bankruptcy XXXX XXXX XXXX XXXX Georgia letter 2 ) Georgia Drivers License 3 ) Georgia XXXX XXXX XXXX ( light bill ) Please Pay By : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) Experian - Dispute