davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I contacted XXXX who is one of their phone representatives for U.S. Bank on XX/XX/2023 at XXXX XXXX  to request Checks for my 3 checking accounts ( Business Checking, IOLTA-Attorney Client Checking, and Personal Checking Account ) at a cost of {$250.00} ( {$120.00} for each Business Account and {$18.00} for the Personal account ). 

I had to order checks because all the noted accounts used to be under Union Bank of California but were taken over by U.S. Bank as of XX/XX/2023. U.S. Banks changed the Account Numbers and Routing Numbers for all my account. 

My complaint is that I should have not been made to pay for the new checks since the need for new checks was not my doing. U.S. Bank bought Union Bank of California and changed the routing and account numbers. I was forced to buy new checks so I want U.S. Bank to refund the {$250.00} that I paid them. XXXX told me I had no choice and had to pay.
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I have re-submitted to Synchrony Bank two disputes for overbilling from XXXX XXXX XXXX on two different orders ( disputed amount of {$120.00} on order # XXXX ; disputed amount of {$630.00} on order # XXXX ). I have sent all required documentation for both disputes at the same time ; I phoned in on XXXX and the operator over the phone confirmed that all documentation was received by XX/XX/XXXX. Synchrony Bank has resolved the dispute of {$120.00} but has not resolved the dispute of {$630.00}. I have received a letter stating that Synchrony Bank attempted to reach me to obtain the required documentation, which is not true. In fact, on XXXX the operator confirmed that all documentation was received for both disputes. I phoned in again on XX/XX/XXXX and discussed this ongoing problem with the operator ( his operator ID is XXXX ) who confirmed that all documentation was received on XX/XX/XXXX and was unsure as to why the specialist on the case sent a letter stating that the required documentation was not received. The operator sent back the case to the specialist for resolution of the dispute for {$630.00}.
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

I had a phone call from someone claiming to be a technician from XXXX internet provider, they said that my IP address and other personal information had been hacked and stolen and they said they would help me to clean up the infected internet equipment including my pc they also claimed that my personal banking details may have been compromised and hacked. they connected to my computer vis any desk and after I securely logged in to my bank account, they kept distracting me so that the could steal and transfer my money from my bank into my wise.com account. 
my PC screen kept going blank so I was not able to see or know what actions they were doing on my pc, they stole more than 3000 from 2 of my bank account. then transferred the money into a bank account in XXXX. 
I still have the name of the account holder and their account details, in order to recover the money and to get their account frozen and to investigate them. 

Wise.com failed to take the necessary precautions in order to protect my money by allowing XXXX transfers to be sent and received all on the same day. they finally rejected XXXX transactions of XXXX but by this time it was already to late. XXXX have behaved are guilty of negligence and treating my account and money in an irresponsible way.
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (CA)

THIS COLLECTION ACCOUNT DOES NOT BELONG TO ME AND SHOULD BE DELETED FROM MY CONSUMER REPORT. THESE INQUIRES WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A. (MI)

I received a medical bill for my ex-husband claiming I guaranteed the debt. I know I never guaranteed any of his medical charges so I requested a verification of debt. I received a simple bill from a hospital for my ex-husband XXXX XXXX and it shows me as guarantor but first, there is no signature, second, my name is XXXX XXXX not XXXX XXXX and third they have the wrong address for me. I called and explained that the verification of debt did not have any signature and I did not guarantee this debt and they told me to " take that up with the hospital. '' Also they violated FDCPA, they did not verify who they were talking to and gave me information on the bill without properly identifying me. Also my husband and I are divorced so technically this is third party disclosure sending me his medical bills. 

I do not owe this bill and if it is on my credit bureau it is harming my credit rating and my reputation. I am in the finance business and can not have fraudulent trade lines on my credit bureaus. 

The attorney reference number is XXXX
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK (MO)

I have a Prepaid Card with Discover Card I closed the account last month & it is still going to take 2+ months to get my money back!! NOOOO!!! UNACCEPTABLE!!!!
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Name is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  NYXXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNT I opened a bank account with the following bank ( s ) : Bank Of America was opened in XXXX in Maryland XXXX XXXX ( unsure of location ) XXXX XXXX  around XXXX in New York My documents got lost due to homelesness and all effort at reopening/revalidating these accounts is unsuccessful. 

Am having Issue with updating my past financial records and getting a credit report for other obligations. I will appreciate every effort to recover the
se account ( s )
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (FL)

Today is XX/XX/2020 
The Federal Reserve cut interest rates to a low of 0.25 ( basis points ) over a month ago!!! 
No credit card ( bank or financial institution : including, VISA, MC, XXXX XXXX, XXXX, XXXX, Discover, XXXX XXXX, XXXX XXXX, XXXX, etc. ) wants to hear, listen, show interest, or negotiate, lowering the already staggering and very high interest rates ; some as high as 27 % to 30 % interest rates on revolving credit cards. 
This is up surd especially when the country is in an economic slowdown, market crash, soon to be a depression. We are currently confronted with a 5.2M unemployment count and only getting higher. Therefore, no jobs, people without incomes, and some even with no food to eat. Federal and State unemployment offices unable to keep up with applications. The IRS also unable to keep up with relief checks, and many businesses playing it by ear in a waiting game to see whether they will ever be able to reopen their businesses.

Many people are overdrawn in banks, unable to pay rents and other basic necessities.

The circumstances are dyer and all the while the richer gets richer and poor gets poorer ....!

CFPB, What can you do to stop the bleeding? How is that one can refinance a mortgage or a car note, apply for a forbearance and even put a stop payment on basic expenses like utilities?

Why is that credit card companies are allowed to continue to accumulate interest on top of interest, collect late fees, and even overdrawn fees? Why are they excluded from helping others, especially when the country is phasing a pandemic? Why are CREDIT CARD companies so special??
Consumer complaint received 2023-07-07
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. (FL)

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.

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 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I purchased a rebuilt engine for my truck with my XXXX XXXX for {$2500.00}, which included a refundable engine core deposit for {$510.00}. I paid my statement balance in full that included the {$2500.00} engine purchased XXXX. I returned the engine core for a refund of my {$510.00} dollars XXXX, but wasn't credited back to my credit card until XXXX. On XXXX XXXX at XXXXXXXX XXXX I called CapitalOne and said I wanted a check back for {$510.00} for the engine deposit. CapitalOne said I don't have a {$510.00} credit on my Account because there was {$250.00} in new purchases on my XXXX Statement and I now only had a {$250.00} credit. I told CapitalOne the new purchases for {$250.00} wasn't due until! XXXX and had nothing to do with my {$510.00} engine deposit and I wanted the bank to credit back my checking account for {$510.00}. I told iCapitalOne I always paid my credit card balance in full every month and if the bank was going to force me to pay my credit card balance early I wanted interest. The Bank said that wasn't there policy to credit back my checking account, I could leave the money on my account and use it as a credit without interest or the bank would sent me a check for {$250.00} in 7 to 10 days.I never revived a check even though a credit balance refund was on my XXXX statement XXXX. I got sick in XXXX and didn't realize I never received this refund until XXXX, my son handle the credit card on my behalf. I haven't heard from the bank.
Consumer complaint received 2020-04-16
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. (VA)

On XX/XX/2020 I checked my credit report from XXXX   and Equifax. My credit score dropped 70 Points on XXXX   and 75 on Equifax. They said thats its because my XXXX XXXX card had increased by {$46.00}. I have never changed anything on the card for XXXX XXXX..I dont understand how my credit scores could drop that much and I dont have any delinquent or late payments accounts. I have attached some documentation that shows how many times my score has changed. Such a decrease in my score prevents me from obtaining a good rate.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

I signed up for a U.S. merchant service on XX/XX/19 for and this has been nothing but a nightmare. I feel I've been scammed. The lady who talked to me to initially onboard said that I have been way too much with other processors and she said " you'll pay almost nothing with us! ". She said that all I would EVER pay was a small percentage ( 0.5 % or so? ) for each transaction, that was to be ALL that I would every pay. No mention of monthly charges or additional charges, EVER. So she told me to just sign a docu-sign and I did. Then a few days later, a surprise, I get a payment hardware in the mail WHICH I NEVER ASKED FOR. I also saw a charge for {$53.00}. Somehow I found someone to complain to on US Bank site and the person named XXXX XXXX XXXX agreed that I was unjustly charged for something I never agreed on and promised a refund ( screenshot attached ). Weeks go by and I don't see the refund. I contact him again twice, but he decided to completely ghost on me. Today, a month and a half later, still no refund. Then, on XXXX, I see another new charge for {$35.00} labeled " XXXX XXXX XXXX XXXX XXXX XXXX '', which I have no idea what for. What the onboarding lady said was that you pay only when you use the service, in a tiny percentage. They just keep taking money from me for no reason. This is completely unacceptable. I can not remember the lady 's name but her phone number I have on record is ( XXXX ) XXXX.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The day XX/XX/23 I deposited {$3400.00} into the Third Fifth Third Bank ATM machine located at XXXX XXXX XXXX branch in XXXX, Fl at XXXX XXXX. When I first entered the money ( XXXX bills of {$100.00} denomination and XXXX bills of {$20.00} denomination ), the ATM returned {$300.00} in {$100.00} bills. When I entered the {$300.00}, the ATM received the bills and opened the operation. At my surprise, the ATM did not register the whole operation, this is the {$3300.00} but {$3000.00}. Immediately, I talked to the personal banker XXXX XXXX who helped me to create the dispute case # XXXX. On XX/XX/23 the personal banker and the branch manager told me that they had not found any problem with the balance of the ATM and that the money would not be returned, being this the reason why I decided to call the Dispute area of the bank to claim the money deposited at the ATM. A few days later, the bank deposited the {$300.00} and I dedided to send an email to XXXX to thnak for her initial help. 

Surprinsingly, on XX/XX/23 I received a letter from Fifth Third Bank Headquarters regarding the transaction dispute. In this letter the bank informed me that the dispute was solved against me and in the same date, that is XX/XX/23, the temporary credit was reversed. I dont agree with this situation because it is clear the ATM did not deposit me the money I intended. I consider this must and should be proved through the different security cameras of the branch. I respectfully ask you to overview this dispute and look throughthissituation. 

Today my checking account is overdratf in {$150.00}
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-06
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)

I am writing to bring to your attention a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) by your agency. My name is XXXX XXXX XXXX, and I have recently discovered that certain items in my credit file were previously deleted, but they have been reinserted without providing me with the required notification within 5 business days. Furthermore, it appears that these items were not properly validated as per the certification requirement.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (UT)

LVNV Funding is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous!
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (VA)

I have an auto loan with Bridgecrest. I have set up an account to manage my loan. However, their website does not show the loan balance, how/when my payments are applied so that I can readily see this information. It only shows a balance. Shouldn't I be able to se the start of my loan, when payments are applied and the current balance all at the same time? When I emailed them about this, I was required to all about this and I was advised that the only thing they could do was provide me with a loan payoff balance. This doesn't do me any good. What if I make extra payments and what this applied to the principal only ... ..how do I verify this? Why do I have to call them everytime I want this information and be told it will take 24-48 hours to get this information sent to me. 
Doesn't this violate some Truth-in-Lending statute?
Consumer complaint received 2023-07-06
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: Accscient, LLC (FL)

I have reached out this company serval times explaining that this bill has discrepancy and also does not belongs to me. They have yet to provide any documentation or information to guide me in the direction to have this removed from my credit report immediately.
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (GA)

After XX/XX/2023 I received notification by mail that my Mortgage holder, Aimloan.com, had changed their payment processing address from the state of Illinois to XXXX, California. I changed the payment address before scheduling my XX/XX/2023 payment to arrive on XXXX at the XXXX XXXX XXXX XXXX, CA. By XX/XX/2023 my payment to Aimloan had still not processed and my loan payment was recorded as late. I contacted Aimloan ( which provided no help ) so I schedule another payment through Aimloan website ACH payment for the XX/XX/2023 payment. I contacted Aimloan and told them that they could process the mailed check for the XX/XX/2023 payment. They obviously received the check because they processed the check toward the XX/XX/XXXX payment on XX/XX/2023. I checked the account online on XXXX to see that the check was now no longer applied for the XXXX payment but was in an escrow account and after calling I was told that a check had been mailed to me. As of today, XX/XX/2023 I have not received said check. My ACH payment through Aimloan website for XX/XX/2023 was processed but the account that the funds are drawn from has not been debited. I believe there is a problem with the Aimloan company. I am very concerned and I want Aimloan.com investigated.