davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

my personal loan with one main financial was paid off early XXXX by mariner finance as I needed a slightly larger loan to do home improvements. I sat down with XXXX and called the XXXX XXXX one main financial office, and they faxed the current payoff to marnier. I then signed the loan paperwork with XXXX and XXXX hand delivered the payoff check that day to One main. I just received a bill from one main stating that although I made a large payment i 'm still expected to make my monthly payment and that I still owe {$1700.00} which is clearly impossibly, when I do the math though this would be the total interest I would have been charged if I took the loan with one full term. That is illegal you can not precharge a customer interest. IF the payoff they faxed mariner was not correct then that is on them, they have a responsibility to send a correct payoff at the customers request. This loan needs to marked paid as full, and I better not receive a late fee or incur anymore interest.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/XXXX I purchased a resort deal for a total of {$2000.00}. I decided to dispute with the bank on the same day that I received my cancelation email and the bank gave me a provisional credit of the same monies. The past week on XX/XX/XXXX, the funds were reversed and I was charged that {$2000.00}. I called on XX/XX/XXXX and spoke to XXXX from XXXX XXXXXXXX who was able to reopen the case and I uploaded documentation supporting my claim. I then called today XX/XX/XXXX where another specialist said my case had been closed on XX/XX/XXXX because it was the last day to upload supporting documentation. I uploaded the documentation on XX/XX/XXXX which should count for the last day. I was clearly in the right as a client of USAA. I would like all my disputes to be reopened sinceI uploaded documents via mobile app and USAA claims they do not see them then close the case. Please help me get a resolution.
Consumer complaint received 2017-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (SC)

I have tried numerous times, during the past month, to link my TD checking account to a brokerage account ( s ). For whatever reason, TD Bank locks me out of my account, during the actual process of trying to link my TD checking account to my brokerage account ( s ). 
I am presently on-hold waiting for another 35+ minutes, on the telephone, for a CSR to assist me. This is the second time, today, that I 've had to deal with this ridiculous situation. This morning I tried to link my TD checking account, a few minutes ago, I tried to link my TD debit card. 
I 'm also perplexed, as to why on the TD login screen where the question is asked about 'Where did you open your TD account? ' There are only three available state choices, and they are : Connecticut, Delaware, and Florida. .Well, that 's a problem in itself, because none of these states apply to my account. Then, to top that off ... The customer is forced to actually lie, in order to move forward, to the next screen. So, my first choice was Florida, since it 's also a state in the southeastern U.S.. My account was opened in South Carolina. , and that state is not one of the available choices. 
As a former banker, for many years, my banking expertise tells me that this issue is definitively one that needs to be addressed, IMMEDIATELY. 
Honestly, I am so fed-up with this particular TD Bank problem, until I 'm contemplating disassociating myself with TD Bank. It has truly become a vine of thorns in both of my sides, and is not worth the constant aggravation. 
I also bank with two other banks, and I have never had a chronic issue like this before. I have banked with one of those banks for over 34 years. 
Please try to convince TD Bank to remedy this issue. Problems like this, are really not good for TD Banks reputation, customer service relations, and quality of overall services. 

Warmest regards, XXXX
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

On my Equifax Credit Report, the account " XXXX XXXX Bank '' should totally be removed. It was already removed from XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
Consumer complaint received 2023-05-11
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. (NC)

There is a collection account on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX. XXXX XXXX XXXX is reporting that the account is still open, and reporting that it was opened in XXXX of XXXX. Both of these are inaccurate information as that account has been closed since XXXX. They are still making reports to the account, latest report was XX/XX/XXXX for an account thats been closed for almost XXXX years. I submitted MULTIPLE disputes to XXXX, XXXX and Transunion and stated that i NEVER had an account with XXXX XXXXXXXX from XXXX of XXXX. XXXX deleted the account from my credit report. XXXX and Transunion did not. The FCRA states that information on a credit report has to be reporting accurately or it has to be deleted. Transunion and XXXX has refused to delete. If this account is not taken off of my credit report I will file a lawsuit against Transunion, XXXX and XXXX XXXX. XXXX XXXX has MULTIPLE reviews about them re-aging accounts so they dont fall off of your credit report. This is illegal and bad business practice. XXXX and Transunion have a legal requirement to remove falsely reporting information and have refused.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have tried multiple times to contact the student loan servicer for accurate account information and have had no response other than to pay my loan balance. The balance is incorrect. My credit report is showing 4 accounts associated with that servicer. I have only taken out 2 accounts for my actual student loans. This is impacting my credit in a negative manner and has caused a hardship buying a home. Over {$6000.00} has been added without notice or consent or justification. I am aware of the lawsuit filed against XXXX for their incompetence handling student loan money and servicing. It is impossible to speak with someone or get a resolution through the company itself.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2016-10-06
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Keith D. Weiner & Associates Co., L.P.A. (GA)

XXXX of my loans was left out of my previous loan consolidations. This was an error with the consolidation department as it was handled over the phone. I was unaware of an collections actions on the remaining loan as I moved until I received notice from my employer regarding pending garnishment. 

I immediately called the collection company, the school where the loan was issued, and the loan consolidation agency to get this situation corrected. I 've jumped through every hoop requested and been very cooperative. The collection agency requested me to let them know once I received a letter from the consolidation department. I did and called Monday and again today, the rep " XXXX '' asked that I forward the letter to her via fax. I explained I was home and could not fax, however, I could take a quick picture and email or I could scan in and send via email which would be essentially the same as faxing it. She started to get abusive at this point, saying she gave me the option. I said you are being a bit difficult, she then flipped her lid and started over talking me and threatening to hang up and over talking everything I attempted to say. I was extremely nice and asked 3 or 4 times repeatedly for her no to hang up and just listen to what I had to say. After her tyrant, I stated I apologize if she thought I was being rude or difficult and unhelpful and that was not my intent. I said, however whith me trying to send you over these documents that you are being a bit difficult because I have scanned and emailed info to her before and quite frankly being nasty in over-talking me and speaking to me in this manner. She said well ok this call is being disconnected and hung up on me.
Consumer complaint received 2023-05-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2023-05-11
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I have provided this agency numerous times proof that I paid my portion of the XXXX directly to the XXXX prior to the XXXX. My agreement with the XXXX was that all I had to pay that was my responsibility was that amount. This has been going on for over a year. I have provided the proof on multiple occasions directly to the original vendor. They now are trying to force me to pay up by reporting me delinquent to the credit bureaus with the hope that it will scare me into paying up the money i do n't owe.
Consumer complaint received 2023-05-11
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-11
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. (NY)

Recently, I have fallen victim to the malicious act of identity theft, and the impact has been devastating. Criminals have opened several fraudulent accounts using my name, including one with XXXX XXXX under the account number XXXX, This account, currently carrying a balance of {$1200.00} ; and other with XXXX XXXX under the account number XXXX, this account is has a balance of {$100.00}. Both of these fraudulent accounts has been delinquent, severely damaging my credit score. 
This is my first encounter with identity theft, and I must admit it has been an overwhelming and challenging experience. It feels as though my very identity has been stolen, and I am determined to regain control of my financial well-being. After filing an identity theft report with the FTC, specifically report number XXXX, I promptly took the necessary steps to rectify the situation by sending dispute letters to the credit bureaus. In these letters, I provided a detailed account of the fraudulent accounts on my credit report and requested their immediate removal. However, to my dismay, the credit bureaus have outright rejected my request, failing to provide any explanation for their decision. The refusal to remove the fraudulent accounts from my credit report is a blatant violation of my consumer rights. As a victim of identity theft, I find this decision to be deeply unjust and unacceptable.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XX/XX/2023 - Capital One transferred {$20000.00} to my XXXX Bank account per my request XX/XX/2023 - Capital One issued a reversal request to XXXX Bank and requested the transfer be returned from XXXX Bank to Capital One saying a fraud alert was triggered ; the money was removed from my XXXX Bank account ( see attached documents ) XX/XX/2023 - I called Capital One to address the issue and they said I'd receive a response in XXXX XX/XX/2023 - I received an email confirming the reversal in the amount of {$20000.00} and the amount would be credited within XXXX hours ( see attached email with confirmation ) XX/XX/2023 - the amount has not been credited to my account and Capital One representatives are saying it is deposited and I should check with XXXX bank ; XXXX bank said via phone call they returned the money XXXX and it should have been received by Capital One no later than XX/XX/2023 Capital One issued a fraud alert and stopped XXXX of my deposit. They made me jump through all sort of unnecessary hoops to verify my accounts when they could've just confirmed all the info with the other bank. They then lost, and are refusing to return, the {$20000.00} they reversed from my bank account. I have the paper trails from both accounts showing the transactions to prove the missing money and timelines.
Consumer complaint received 2023-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had long relationships with Capital One. I trusted my finances to Capital One : I sent Capital One check when I bought a car XXXX years ago, all incoming wires, all incoming deposits, XXXX payments ( in and out ), payments to my credit cards was made from Capital One. My sister sent me international wire {$15000.00} on XXXX XXXX. Later I got a voicemail from official Capital One phone from XXXX that Capital One needs additional information before proceeding/releasing wire. Right after that my account was restricted. Yesterday ( XX/XX/XXXX ) I have an email it was closed. Even someone from XXXX said he would keep it open if wire still arrives. Another Representative denies someone from Capital One called me about wire, even I have XXXXe proof of voicemail. All Representatives were not really helpful, no one saw this wire coming, except XXXX, who left a voicemail and never tried to contact me again. Without reason Capital One decided to close my account. As a result, {$15000.00} are somewhere, not in my American account, not in my sisters account. No one returns {$450.00} commission fee to my sister, if she ever sees her funds back. My question is : why did Capital One close my account? I did not do anything wrong. Besides I was doing the same what I was doing last XXXX  years. Capital One was fine with my iXXXX incoming wires. I am a Customer in good standing, who trusted Capital One and the Bank failed to service me when I mostly needed this.
Consumer complaint received 2023-05-11
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. (OH)

I have contacted the XXXX credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 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 XXXX 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. the accounts I am talking about are listed below : Delete all accounts immediately : Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accounts : Acceptance Now acct # XXXX XXXX XXXX Credit XXXX XXXX XXXX XXXX XXXX Adjust XXXX XXXX XXXX
Consumer complaint received 2023-05-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Someone has been using my social to open many accounts and receive government grants and loans and I dont know what else its been happening since 2020 I believe I honestly barely noticed and Ive been devistated ever since Im scared for me and my familys safety every email that I created was took from me and today I was able to get into an old email that they used and i seen a message from my daughters school saying they received inappropriate pictures and videos from my email I dont know what else to do they been making accounts receiving grants in my name and loans and credit cards they have saved pictures from my XXXX accounts that I cant access any more as well I just want help and all this over with please Im only XXXX my daughter is XXXX Im in fear of my life cause I dont know who they are and why they are doing this and no one is contacting me fast enough my whole family is scared to even answered unknown calls because of whats been going on or be on there phone because we think we are being watched from our devices just please help me I dont even know how long it will be before they take the email I created they already got into my credit protection accounts and ID me for the IRS just please help if my email gets compromised please contact my mom @ XXXX to reach me please respond asap
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (IN)

Attached : Copy of payment receipt, letters from Synchrony Bank, and snap shot on App. 


Jc Penny 's sent letters about a full payment of {$120.00}. The emails showed only a {$35.00} payment was requiremed. It shows when I logged in to the account there is not a card scheduled for Autopayments monthly. I received a letter my payments were returned or reversed. It is not welcome to reverse payments to my accounts. If they needed a payment dispute it was not communicated during mediation from CFPB. I did not change my password. I had to reset my password to log in to the JCPENNYS App. I could not log in in the past it was a complaint to CFPB. It is still not clear what to understand about scam on the caller ID. 

I notified them through the Consumer Financial Protection Bureau ( CFPB ) of circumstances about their App, websites a complaint of scam as the phone number. I tried to get them a payment sooner through the mediation of the CFPB. They sent notice of having the incorrect bank information. They never had any wrong bank information because I sent details of each circumstances to CFPB. An additional call from Synchrony / JC Penneys it showed scam on the caller ID was the past complaint. 

A payment of {$70.00} does not show it was added on the App that was paid yesterday XX/XX/year> @ the local XXXX XXXX XXXX, XXXX. The attempts to make use the old debit card numbers causes me to send additional complaints to law enforcement because of suspicion of returned payments. The declines and hindrance from JC Penneys has consumed my time and made my credit score poor during emergency and caused the display of criteria of a denial for other applications. Please view attached letters and copy of recent receipts. Please reference past complaints to CFPB to work on this history to be resolved?
Consumer complaint received 2023-05-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX You are in Direct Violation of The Fair Credit Report Act ( ) has violated several of my rights. 

15 U.S.C. 1681 section602 A. Clearly states that 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. 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act