davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
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. (GA)

I contacted Equifax both by letter and using their inquiry dispute tool informing them of Inaccuracies with inquiries that are reporting on my credit profile. I explained to them that I did not give anyone permission to run my credit for said inquiries. In both my letter and using their dispute tool I informed them that I did not authorize the listed creditors to pull my credit. I requested that they furnish proof of my consent/authorization for these credit pulls since they were reporting this false information and ruining my ability to obtain credit. To which they aren't able to provide, because it doesn't exist. I didn't sign or consent in any way to those credit pulls. I was sent a generic investigation letter with a false resolution and no proof that what was being reported was accurate. Again, I did NOT authorize these credit pulls.
Consumer complaint received 2020-09-26
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. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account
Consumer complaint received 2020-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

A collection agency, National Credit Systems, is attempting to collect a debt in the amount of {$5800.00}. This debt was originally from XXXX XXXX in XXXX XXXX, SC. due to damage to a property by way of vandalism caused by a 3rd party in XXXX of 2020. To my knowledge, no attempt to collect this debt was made by XXXX XXXX before moving it to National Credit Systems. I was unaware of this debt until late XX/XX/2020. I had requested a hold on the account as soon as I was made aware of it while I attempted to work things out with Northwoods Townhomes but was not granted this. I attempted to reason with National Credit Systems, XXXX XXXX and XXXX XXXX, who is the owner of the property, that this debt is not mine according to the lease agreement drafted and approved by Northwoods townhomes and XXXX XXXX According to paragraph 12 of the lease agreement I can not be held liable for the damages if I am not found to have been negligent, those that did the damage were a part of my household, invitees or guests, or am found guilty of the act myself. None of which had been the case. 
After explaining this to National Credit Systems and requesting validation of the debt I was informed by the agent taking my call that the only verification necessary for National Credit Systems to  continue with the collection was that XXXX XXXX still considered the debt mine despite my legal claim to the contrary. This agent also threatened that a negative mark would be presented to the major credit reporting companies if I did not pay this debt on or about the the end of XX/XX/2020. In early XXXX I verified that this negative mark had been presented. 
I have written letters formally disputing this debt to National Credit Systems, XXXX XXXX and XXXX XXXXl. Each of these companies have respectively told me that it is not their concern, out of their hands or outright ignored my request.
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

Chime closed my account and when I sent an email on XX/XX/2020 to ask why my account is closed, and how I could get my remaining funds, they send me the following reply : " At this time, for security reasons, Chime is unable to disclose further information about the closure of your account. ''
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Back in XX/XX/2020, 2 of my capital one accounts have been closed without my knowledge after I have made a payment from my savings account that went through and even after I have called and disputed this they told me they can not help me and to just pay off the amount and since its closed no interest or anything will accrue. Yet they now hit my credit report TWICE with 30 day past due delinquency along with interest charge AND a a late fee ON TOP of my initial payment tried contacting them again about my finacial hardship and could not get through multiple times I was hung up on .Which is not correct at all. This needs to be addressed and Im tired of being given false information.
Consumer complaint received 2020-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (NJ)

Hello customer financial government, Company Sofi money, at date XXXX XXXX time as XXXX XXXX clock XXXX send me email and sms, too frozen/restricted my Sofi money checking account, without provide any reason or alert, I trying contact Sofi money team by email too, they said don't have anything information about it too, said the Sofi security team don't do this too need contact to phone number security team XXXX unable reach them phone., I leave 5 time voicemail record for back to nobody back too call many time on time security team have work, reply automatically record women, '' say all lines are busy leave record voicemail or trying call later '', the security team no work 24/7 for customers too on time work hide too unable to reach for reslove problem, the Sofi money team no work together with security team for reslove problem for customer as service need be in few minutes, I already have frozen account 72 hour without reason, too i also trying contact with in email senior team Sofi, name XXXX, XXXX, XXXX, no one reply back, on Sofi money contact email with agents XXXX, XXXX by chat application agents with XXXX, XXXX, XXXX, all those reply without able resolve problem with security team for my unfrozen account, they only said filling complain to CEO Sofi too all time said contact to security team phone, without unable reach them. It's treat are abuse too scary customers too new customers, too hurt to customers for nothing, frozen account leave customer without own money using too no one help, it's very big damage to customers sofi and damage Sofi company, customer no need scared hold money in Sofi, customer need have confidence and trust product. 
Thanks,
Consumer complaint received 2020-09-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IN)

My spouse owes money to a local hospital which they did rightfully so send it to the debt collector Harris and Harris. The amount is approximately $ XXXX. We just haven't been in a position to pay however for the last few months they have been calling her at approximately XXXX est every day for months but have been calling her 3 times per day. I believe XXXX says they shouldn't call more than twice per day. I work for a major studen loan servicer and we're not allowed to call more than twice per day between XXXX and XXXX. They have also been calling her at work every day trying to collect of which I believe per the FDCPA they are only allowed to call to verify employment not to collect. Call records can provided upon request. The debt itself is not in dispute but malicious practices against government regulation such as TCPA and the FDCPA Section 805 15USC 1692d ( 5 ) clearly does state " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number '' call records can be provided upon request
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Back in 2015, we noticed a charge on our Macy  's credit card called " XXXX XXXX  '' so we called Macy 's who said that we needed to call the XXXX XXXX company directly to cancel it. We had opened an account at a register during checkout and never signed anything so we did NOT approve this! We called the XXXX XXXX number and they assured us it was cancelled. Now, we discovered just a couple of months ago that they have continued to charge us ongoing since then! We called in again and they see that we cancelled it back in XX/XX/XXXXbut have not credited our account for the charges since XX/XX/XXXX... Nor did they ever stop charging us!!! Macy 's keeps telling us to talk to XXXX XXXX  but when we call XXXX XXXX, we are just told it has to go to a review process and then nothing ever gets resolved. We have been dealing with this for months now and have gotten nowhere. We NEVER agreed to this " protection '' and are being taken advantage of. Shame on Macy 's for doing this to us! I am outraged and will not shop there again until it is resolved.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (DE)

My USBANK Altitude reserve credit card was closed by USBANK just after I paid the {$400.00} annual fee. They do not give me any type of notification like phone call and the physical letter arrives about 1 months after they close the account. And I was told from their representative they will refund me back the annual fee. But never received any type of description on that. I asked the phone representative for refund but the request was rejected. I paid the fee to use the benefit of the card and the bank close my account without my consent and do not refund me the fee. This is so frustrating.
Consumer complaint received 2020-09-26
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. (CA)

XXXX needs to provide how they verified to Experian dispute XXXX and XXXX XXXX, if they are sending a numerical code back to the credit bureaus through the E-OSCAR system this is not a accurate and complete verification and the account needs to be deleted immediately. Please provide what method of verification under section 623 A under the FCRA through the cfpb portal. Marking complaints as duplicates is further violation under the fcra noncompliance penalties!
Consumer complaint received 2020-09-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP (PA)

I received my US Bank reliacard card that was issued by unemployment. When I tried to activate it on XX/XX/2020 it said " something you entered is incorrect ''. So I called the number and after I put the last 4 numbers of my card as well as social security number it says my balance, but when I tried to activate it using the automated system it sent me to customer service. The rep said on XX/XX/2020, I need to call unemployment for validation of account. I called unemployment XX/XX/2020 and spoke with the rep and she reviewed my account over and over and showed no issues. It showed payment trans number and she advised me once that number posts to my account it's out of their hands and it's on reliacard. I called all weekend and kept getting disconnected. Finllally spoke with someone today XX/XX/2020 and she was a supervisor. She said my account is closed for unknown reasons. I asked to be issued a new card and she said she could not. But how can I check a balance on a closed account as well how can they keep accepting money on a closed account. The supervisor advised me to closed my PUA account and start a new claim. I spoke with my district state senator today as well and she said to ABSOLUTELY NOT close the account. And said what the rep advised me to do is highly unacceptable. She said why can't they just issue a new card. I said She can't on a closed account. I advised then she should not be able to accept money as well as I should not be able to check balance. I just want to be able to use my funds.
Consumer complaint received 2020-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (SC)

Late XX/XX/2020 I received a letter telling me that Fed Loan servicing could not approve my public service forgiveness because my employer did not put his name and title on the public service employment certification form. I researched and saw that the information was indeed on the form. I called the FedLoan servicing company and asked why they sent me the letter because the information is on the form. The man I spoke with reviewed form I submitted and verified that the employer representative had included his name and title. He said he would correct the mistake. 

Today, XX/XX/2020, I received a letter dated XX/XX/2020 stating that FedLoan servicing could not approve my public service forgiveness because my employer 's EIN was missing from the form. This is NOT TRUE. The EIN is on the form. All required fields were completed on the form. I find it egregious and irresponsible that this organization is not properly doing its due diligence to ensure that they are properly managing consumers ' form when they send in the requested required paper work. Their ineffectiveness, incompetence, and inefficiency is causing me undue and unnecessary stress during an already stressful time ( Coronavirus pandemic ). 

I have attached a copy of the document that I sent to them. My PII is redacted.
Consumer complaint received 2020-09-29
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: EQUIFAX, INC. (WA)

on XX/XX/2020 I received an email notification from Equifax for a credit report inquiry from " XXXX XXXX XXXX  XXXX ''. This was troubling to be because I did not, nor am I even remotely interested, in applying for a vehicle loan. I do not have a car, I don't want one. Needless to say ... this inquiry WAS NOT AUTHORIZED. Furthermore, my Equifax score dropped because of this inquiry. What does XXXX XXXX want with me and vehicle loans? I don't want a vehicle loan from XXXX XXXX. Are they allowed to do this? Pull my credit report whenever they feel like it? This can't be right. Please investigate.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XXXX XXXX, 2020, I disputed the information provided to XXXX by Neiman Marcus, serviced by XXXX  XXXX. At XXXX XXXX  on XXXX XXXX, 2020, I received an email from XXXX  confirming they received my dispute. On XX/XX/2020 at XXXX XXXX, I received an email stating the dispute investigation was complete. XXXX  reports the information is confirmed and correct. When I went to dispute again online, XXXX  's site did not allow me to dispute it again, stating they dispute was complete and I was not allowed again. Their investigation took less than 12 hours in the middle of the night. What was their method of confirming this data to be correct?! In the meantime, I have inaccurate information that is on my credit report that XXXX does not allow me to dispute again. 

On XX/XX/2020 I called the contact information for Neiman Marcus/XXXX  XXXX listed on the XXXX  credit report. When I called the number, it first asked for my account number. The account has been closed for many years. I finally got through to a representative named XXXX. She was unable to look up any information in regard to my account since it had been closed for many years. She then provided a telephone number at XXXX XXXX. I spoke with XXXX and he was unable to help me since the account has been closed and the reporting is done by Neiman Marcus. He transferred me back to Neiman Marcus, which sent me back into the same loop. 

Neiman Marcus, XXXX XXXX can not even find my account information to verify or correct the inaccurate information provided to the credit bureaus. XXXX investigates the dispute within 12 hours and verifies this inaccurate information that Neiman Marcus and XXXX XXXX can not even find. 

My credit score is adversely affected by the misinformation provided by either Neiman Marcus or XXXX XXXX or both. XXXX  falsely reports and falsely verifies false inaccurate information.
Consumer complaint received 2020-09-28
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (CA)

My wife and I married in XXXX. We made a payment on my credit card from her bank account. This defaulted her account as the preferred account. We did not notice from XX/XX/XXXX to XX/XX/XXXX. My wife noticed payments from her bank account and marked it as fraudulent, but we did not identify my credit card as the account until JPMorgan Chase began sending me notices of the balance. I immediately paid the JPMorgan Chase credit line balance. The credit line remained open for about another month, during which I used the credit line and subsequently paid the balance. For all the credit line balance in question, I paid well within the terms. Recently, JPMorgan Chase closed the account and reported me as delinquent in the payments form XXXX to XXXX ( although the balance was paid immediately and for a second time ). I contacted JPMorgan Chase to resolve the issue. JPMorgan Chase claimed the payments were never received because the payments were reversed. I disputed, saying for the payments to be reversed they must have originally been made. I can not go back in time for a second payment to be received, an impossibility. Further, when the balance for the reversed payments was reported to me in XXXX, I immediately paid. Therefore, under no legal or logical definition was I delinquent by my own action. Despite my dispute, JPMorgan Chase closed the account and reported the fully paid balance as delinquent. I believe this was done to intentional impact my credit score ( which was immediately lowered ), or at the least, JPMorgan Chase 's systems and processes are recklessly designed to negatively impact debtors.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I need to have ALL PAID Collection Accounts removed from my Credit Report. The accounts have been paid. I need them removed from the report as soon as possible. 
They have been paid for some time now.
Consumer complaint received 2020-09-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (WV)

I took out a personal loan with XXXX XXXX XXXX to build my credit. All payments from this loan were made on time. At the time of the loan, I selected the insurance that if my job was lost, payments would be made. Sometime later, I increased the amount of the loan in XXXX, KY. Again, I checked the box for insurance that if I lost my job, payments would be made. All payments were made in a timely manner. In XXXX of 2015, I was laid off. XXXX was notified and I requested that the insurance that I had taken with the loan and paid additional for, to make payments since I had lost my job, be implemented. I heard nothing from XXXX until an amount was reported on my credit report. I have disputed this many times with the credit bureaus but again receive " complies with FCRA '' within a day or so. There isn't anyway that a thorough investigation could be done. Contracts were signed and XXXX should have them on file or they were sold to another company. I may owe a portion of this debt but that would have to be determined from the contract and the insurance that was on the contract. LVNV Funding is reporting XXXX due which is an incorrect amount.
Consumer complaint received 2020-09-25
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: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (NC)

this was a online loan with XXXX 's XXXX  and they finance through montery finance ... i made an agreement for a total purchase of {$770.00}. The n let see the finance agreement and they said i would pay back {$1700.00} dollars ..Im like that's a scam ... 
So I canceled the contract ... now they are still trying to draft money out of my account which I called my bank and they stopped payment to montery finance ... I was this problem solved as soon as possible!! Thanks XXXX XXXX