davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
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: Experian Information Solutions Inc. (MD)

XXXX issue. XXXX XXXX and XXXX XXXX : First of all, this is not XXXX XXXX account. Second, XXXX has been called and contacted multiple times with no resolution. 

First of all, I had a home disaster, while we were evacuated from our home, XXXX charged us for it the whole time, Next, I turned in all of their equipment and regardless, I paid the bill monthly and in full. Because of the billing, I changed to XXXX. I paid XXXX in full, they had received all tier equipment and I did, multiple times, call to confirm XXXX balance. 
When I received my credit report, a time later, I was in shock. They claimed a Charge off on the credit reports. In Experians case, the CO is claimed for to whole years, since XXXX. I asked for confirmation and offered to pay what I owed, but they person answering the phone stated I did not owe anything. So, I requested an investigation from both the credit agencies and XXXX. Of course, XXXX states they dd one and the report is accurate, yet, neither Experian and other creditors, to include XXXX will not provide their proff, nor provided me an answer what I owed to them. 

In the mean time, my job questioned a few weeks ago, sine my credit report and what they reported has a high impact on my employment. A charge off is bad, AT this point, I have no idea what was charged off, what I owed ( they stated nothing ) and am disregarded in trying to get this off my credit reports. I am told, when I re engage that they investigated prior and doing NOTHING FURTHER by both credit agencies and XXXX. They are ruining my credit and the credit agency is not holding them to standards, obviously. I get the same feedback, the company states they looked into it and they are reportig accurately - nothing is challenged or provided to me, as requested. I requested time and time again of their findings from both and am ignored. The last time investigation is XXXX XXXX. 

I started this inquiry, years ago, get frustrated and try again. Ultimately, it is very past 30 days of resolution. I want XXXX off my credit report. And if it is on any of my husband`s ( bill I snot in his name ), remove it off is too. 

Also, at my job, XXXX was addressed and if I lose my job on their reporting, this WILL STEP UP! XXXX XXXX is a XXXX  veteran and this will hurt her employment. 

NOt sure about the other creditors, but, Experian seems to do nothing about my requests and never provides proof, - XXXX is one of them.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have filed numerous letters to Equifax in regards to inaccurate data located on my credit file and completely false personal information. 
I have alerted them that i wish that the personal information be updated to reflect my legal name and address and remove " assumed names '' that i have not and do not use. 
I have requested that the do a proper investigation into items listed on the report that do not belong to me, to date i have sent 7 letters and roughly 30 emails all of which i have not received a response. 
i am also unable to file a dispute online as it states " It looks like we need more information to confirm your identity. We appreciate your understanding since security is our number one priority. Our consumer care team can assist you with that. Please call us at XXXX between XXXX XXXX   until XXXXXXXX XXXX EST, seven days a week so we can help. '' however i have even entered the inaccurate information contained in the report that i just purchased from equifax. 
It appears that they are providing this message in hopes that you will pay for the report as the " Get Started '' button just under that text redirects you to the purchase credit monitoring site. 

Equifax has failed on all of these occasions to abide by the FDCRA and FCRA and the FACT Act and they are doing this with intent to harm consumers.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-10-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I have called and called and called. I ask for a supervisor they always say theres not one available. Ive tried to pay payments!! The amount of interest they charge is unreal. The amount never changes. I had to take another XXXX out to just survive!!! The fees go up every period!!! by next period I owe more in interest than I paid last period
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE (MA)

I did a balance transfer and paid {$3400.00} in full and now there trying to charge an additional {$120.00}.
Consumer complaint received 2019-12-04
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. (NC)

XXXX  ; Experian and XXXX  are reporting incorrectly an account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-08-15
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. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Upgrade, Inc. (TX)

I made 2 advanced payments ( scheduled ) one on XX/XX/XXXX and then one on XX/XX/XXXX. The payment on XX/XX/XXXX was the incorrect amount so I called them up and asked them to cancel that payment. XX/XX/XXXX rolls around and I get my bank statement on line and I see where they processed both payments. I have reached out to them and they told me it would take 11 days. after the 11 days nothing and a called back on XX/XX/XXXX and they told the refund had been processed and it would be 11 more days. They posted the payment again on XX/XX/XXXX and it now shows the refund is being sent on XX/XX/XXXX therefore 11 more days. When do make a payment it post immediately!! It show on the website but no action to the back account and I'm losing interest from my bank.
Consumer complaint received 2019-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MT)

I purchased a new XXXX XXXX in XXXX of XXXX. I obtained a loan from XXXX XXXX XXXX/JP Morgan Chase Bank to purchased the car. In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX repurchased the car from me through the assistance of the Washington Attorney General. My XXXX XXXX XXXX representative was XXXX XXXX, Senior Customer Service Representative. Her telephone number is ( XXXX ) XXXX-XXXX. 

On XX/XX/XXXX, XXXX and I executed the documents necessary to transfer the car/title/etc. from me back to XXXX of XXXX. They issued me a check for my portion of the proceeds of the sale. XXXX of XXXX immediately sent a check for the full balance of the Chase Loan ( over {$36000.00} ). The XXXX certified mail tracking number was XXXX. 

On XX/XX/XXXX, the XXXX certified-mailed check was received and signed for by XXXX XXXX/Chase. They promptly lost the check and did not post the funds to my loan account. 

I next called and talked to a supervisor and mounted an escalation. I waited 10 days for the escalation to run its course. When I finally called on XX/XX/XXXX, the XXXX XXXX/Chase supervisor told me that a letter had been generated to me indicating my loan was paid in full, despite the fact that the automated and online systems were indicating the loan was now past due. 

Later that day a XXXX XXXX/Chase supervisor called me back to tell me that the payoff letter was generated in error, the loan was not paid off, the loan was past due, and they needed proof of funds from the check. I explained I never had the check and therefore could not provide the information they were requesting. 

So now the check is still lost, I have a letter from XXXX XXXX/Chase telling me my loan is paid off, XXXX XXXX/Chase has indicated the letter is an error. Nobody can explain how a payoff letter was ever generated in the first letter if payment for the car had not yet been received. And, I've already signed over my car and title. 

XXXX XXXX XXXX XXXX XXXX paid XXXX XXXX/Chase for my car. XXXX XXXX/Chase promptly lost the payment. XXXX XXXX/Chase then issued me a paid in full letter in error. Now XXXX XXXX/Chase is demanding I provide them proof of funds when I never had the check. The check is lost. The car is gone. And I need your help.
Consumer complaint received 2019-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (PA)

On XX/XX/XXXX I wrote a support email to MoneyLion telling them that my XXXX XXXX   account has disconnected all third-party apps and I was closing my XXXX account because it caused a lot of problems for me financially. I received an email back from XXXX on XX/XX/XXXX stating to uninstall the app and re-install, which did not work. On XX/XX/XXXX I wrote another support email stating that I needed to update my form of payment for my MoneyLion PLUS loan payments and membership to my MoneyLion checking account. I explained that XXXX still allowed them to draft the payment even though it is disconnected.On XX/XX/XXXX XXXX replied to me that she has switched my payment form to my MoneyLion account and that the previous payment has already posted and can not be refunded, so I just had to basically eat the overdraft fee from XXXX XXXX. She stated that it would take effect XX/XX/XXXX. It didn't, and I contacted support again on XX/XX/XXXX and said " I updated my account with a new debit card to take payments from but it still shows my XXXX and I got an overdraft for you attempting to take it out of XXXX when I explicitly said not to and you agreed it was removed. Please remove that account. '' I did not get a response. I wrote another support email XX/XX/XXXX stating " You are unauthorized to take any.more funds from my XXXX bank account. I changed to XXXX XXXX, updated that in my account and it is removed and XXXX is still there. I need this XXXX removed immediately. '' I still received no response. I tried to call, and it was an endless hold. I tried going online for support and it was an Artificial Intelligence Robot that did not answer questions. In the meantime, payments were still coming from my XXXX account that I was trying to close but was unable to because of the MoneyLion automatic payments activated. I contacted XXXX and they had the money refunded back to me, which went into my MoneyLion checking account. Since then, I have changed to a XXXX checking account which is easier for my direct deposit from work and tried several times to update that information in the app and it did not work. I went online and tried to update it in the account and it did not work. I made more attempts to contact MoneyLion by phone several times and it was an endless music hold. It still shows XXXX. I deleted XXXX several times on my own, and it still has XXXX. I am now past due on several payments and have marks on my credit report for non-payment. I am pre-collections now. I would LOVE to pay my payments, but it won't allow me to. It will not allow me to do anything and no one responds. Today XX/XX/XXXX I attempted to call again and it told me to leave my number for an agent to call me back. No one called me back. I sent a support email Ref # XXXX.
Consumer complaint received 2019-08-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (NC)

I am trying to transfer out the balance from my account, which is {$5000.00} XXXX plus interest ). 

On 3 occasions I have requested this, and the bank has yet to respond. 

I requested this on XX/XX/2019, again on XX/XX/2019, and a third time on XX/XX/2019. 

Simple has not responded to any requests, and their website isn't functioning correctly to allow me to initiate the transfer online.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KS)

I issued a check on XX/XX/XXXX for the amount of XXXX for the full statement balance and mailed this with the provided envelope with my statement. 

For the second month in a row the payment was not applied and I was charged a late fee. 

This card was for a sams club account. The number on the card is XXXX valid through XX/XX/XXXX where I have been a card member since XX/XX/XXXX. 

Customer service agent wasn't able to do anything to help me with this issue so I asked her to close the account as it seems Synchrony Bank is purposefully not applying our payments so we incur late fees.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschenbaum & Phillips P.C (NY)

According to my complaint with CFPD file # XXXX submitted on XX/XX/2019 by me, sent by CFPD XX/XX/2019 I recieved on XX/XX/2019 the SAME AS ALL PAST DEBT COLLECTORS the same as a 3rd grader would print out of the same judgement and again no proof of any kind that the debt belongs to me ( I have about 10 of them ). Obviously they recieved the complaint on XX/XX/2019 from me through CFPB. 
They refuse to respond on line through my online complaint with CFPD. 
No proof of any kind has bin in the past ever provided by any / all of them about this bogus debt. 

A complete FRAUD.
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA has treated me like channel since day one if I caught an overcharge meant they will keep me on the phone for 45 minutes not 21 thing on XX/XX/XXXX we were pushed out of our home illegally XXXX XXXX   that night or child right for my arms while me and my husband have been XXXX  there has been fraud all over our accounts I would Peg the transactions and USAA would to release them. I have renters insurance claim for XX/XX/XXXX they just keep it there like its funny today I caught a wire transfer of all my husband Social Security into another account
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Creditor's Collection Service, Inc. (VA)

XXXX XXXX Acct XXXX I called and spoke with Ms.XXXX and she indicated that if I paid my debt that they would delete the collection report. I ask them to provide documentation to the fact and she indicated that is not something we do. As a consumer who has a debt on her credit report that she is willing to pay based on what was indicated how can a reputable company make an offer but then not summit it in writing. I then ask to speak with a manger and she indicated her manger was busy and couldnt talk to me. Then she proceeded to say that I could either pay it or not. She didnt indicate the managers name is Ms.XXXX. My concern is now is if this is a reputable company and if so how/why make an offer and not be able to provide it in writing.
Consumer complaint received 2019-08-15
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 (MI)

This involves a prior issue, complaint # XXXX. This item was inexplicably closed, with no resolution and no answers from the company. I was NOT asking for my account to be reopened, just a reasonable explanation of WHY it was closed in the first place. NO ONE has to date answered that question, only saying " it can't be reopened ''. I don't want it reopened. Just tell us WHY it was closed. Who? When? Why? Answers are owed on this matter, as it seems Capital One made a significant mistake and won't acknowledge it, or explain how this is being reported to credit bureaus. I need to know HOW this closing is impacting my credit score. Capital One has already demonstrated a poor record of customer privacy protection. I need answers.
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OR)

Received a letter from Credit Collection Services out of XXXX VA, about a medical debt. The creditor was XXXX XXXX XXXX. It had my correct and rather new address. The bill date didnt make sense to me because i havent had lab work done in a year or so. Also, the Dr that ordered the test, ive never heard of nor been to see before. I called CCS and they said it might not be the doctor you saw but could have been a doctor in the office that makes the orders which sounded fishy. He also said i had already paid them twice for lesser amounts and gave me the dates ( which i don't remember ) So i told them i would look into it more, and if i felt i did indeed owe them the money i would pay online. 

I then spoke with XXXX XXXX for a full half an hour as they tried to track me down as a patient. ( side note : there's not a XXXX  lab within XXXX miles of me, and once i tracked down the Dr who ordered the test was located about XXXX miles from me ). After speaking with XXXX, they told me to rip up the letter i received from CCS as this was not money i owed and i wasnt even in their system to begin with. 

So i called back CCS, and they wanted payment once again, and when i told them i spoke with XXXX and they couldn't even find me in their system as a patient, they told me they would remove my phone number ( whatever that means ). When i asked if it would affect my credit negatively, the lady just repeated that she would remove my phone number from her system and ended the phone call. 

Considering they don't even have the correct person, I am curious how they got my new address and phone number to begin with.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX of XXXX I deposited a check in the amount of {$1000.00} to my Wells Fargo account via mobile deposit. On XX/XX/XXXX of XXXX, Wells Fargo removed that money from my account. After speaking with multiple bankers they told me that the physical check had been deposited in another Wells Fargo account completely unrelated to mine on XX/XX/XXXX through an ATM, despite the check having my name and signature on it. 

They told me that because of regulations, the physical check always takes precedence over the mobile deposit, so the money was transferred to this other person 's account. On top of that, because their terms of agreement states that they are not liable for any checks that are cashed without verification, they would be unable to put the money for my check back into my account.