davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

While going through preliminary divorce proceedings, once my name was removed from the mortgage, my credit score dropped by over 30 points. And, I am assuming, my score will take another hit once I apply for a mortgage ( hard inquiry ), and yet another one when I obtain a mortgage. How is this a fair practice for someone who pays their bills and manages their debt responsibly? If I go to buy a car right now, or even apply for a mortgage now, this decrease may disqualify me from a better percentage rate. I first observed this change today on Equifax through my credit karma account. I reached out to Equifax but was merely given ways to read about what things impact my credit score, and links to articles on how to increase your score. I am asking for a reversal of this decrease, given the fact that the change that precipitated the decrease was not from a derogatory act.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In XX/XX/XXXX, I moved out of my apartment early and had to break my lease. The building management made up a lease break fee of {$5000.00}. I refused to pay this fee as it was not mentioned in the lease. They then withheld my security deposit, and claimed that I owed them {$1700.00} for leaving my lease. This fee was also not written in the lease so I refused to pay it. On XX/XX/XXXX, they sent a third party debt collector after me who contacted me through phone call and email. The building management told the debt collector that I did not pay XX/XX/XXXX rent. I showed the debt collector evidence that I in fact, did pay XX/XX/XXXX rent. The debt collector did not respond to the information I provided. Instead, they placed a collections account of {$700.00} with all three of my credit reporting agencies. 

I would like this collections account removed from my credit reports as a ) the debt collector is using false information to collect my debt and b ) the building management is still unlawfully withholding my {$1000.00} security deposit.
Consumer complaint received 2024-10-07
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This account was charged off on the following date ( XXXX, 2022 ) since then the account has repeatedly been updated as a charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies (MS)

XXXX : I have been trying to pay the remainder of my car payment. The payment shins options are to either pay it online on the phone with a debit or credit card or XXXX XXXX or XXXX with applicable account number. I have spoken to two agents on XX/XX/year> in regards to paying the remainder of my payment because apparently they do not accept credit cards online nor over the phone, but it states it clearly on the website. So I tried another method with paying it at XXXX XXXX and the account number that was given is saying that its incorrect with XXXX XXXX. No one is knowledgeable and they do not make it easy to make a car payment and also the website to pay is misleading. So I am paying extra fees just to get this car note pay when I try to pay it on the due date. Also, as far as the predatory text messagesand calls on the due date is very unnecessary when the payment is made monthly. With prestige financial.
Consumer complaint received 2024-10-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (TN)

company failed to comply with my dispute " It has come to my attention that my personal informationincluding but not limited to account numbers, phone numbers, and other sensitive personal detailshas been improperly shared with XXXX, XXXX, and XXXX without my explicit consent. I did not authorize these disclosures, nor did I receive the legally required notice or opportunity to opt out. Additionally, you do not possess a signed document or any other form of consent from me permitting the release of my personal information to these or any other third parties, which constitutes a direct violation of federal law. ''
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (HI)

RESURGENT CAPITAL SERVICES is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with RESURGENT CAPITAL SERVICES. I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. RESURGENT CAPITAL SERVICES is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I searched for houses in XXXX, XXXX, XXXX online, and several real estate agencies appeared selling bank foreclosures. I found one that I liked and requested information from the advisor, who began to give me details about how the purchase would work, including the steps I needed to follow : an initial payment of {$2500.00} on XX/XX/year>, a second payment of {$24000.00} on XX/XX/XXXX, and a final payment in four months. She sent me the contract, an identification of the owner of the company, and a document containing the companys commercial registration so I could see it wasnt a scam. I believed her completely ; she said the house was a bank foreclosure and couldnt be seen because it was still occupied, but that it would be delivered to me debt-free. After making the second payment, they have not contacted me again, and when I call, there is no response.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (WV)

On the evening of Tuesday, XX/XX/XXXX from approximately XXXX to XXXX oclock I was filing with XXXX for my 2023 tax season then was having a conversation with XXXX support at which time the financial institution of Goldman sachs sent a text message through XXXX XXXX saying that I had to verify my savings account with them and then gave me a phone number to contact them. I did not set up anaccount with Goldman Sachs. it also had a reset on it for the email so I locked it up being that I didnt know the password and I couldnt reset it to the phone number that was given on the screen at Marcus.com I filed with a federal trade commission, but I was the filing number. I also filed with the FCC and included the screenshots from XXXX XXXX and the screenshots from the financial institution where I included the ticket number at the same time my location was showing up as XXXX XXXX XXXX XXXX XXXX on the screen shots on my XXXX while I was sitting at my apartment using my own wifi there was also a phone number associated that was not mine XXXX XXXX XXXX XXXX XXXX XXXX federal trade commission XXXX fcc No. XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I do not have an account with USAA Bank, yet I urgently need your attention regarding a serious issue involving a stolen and altered check from my XXXX business checking account ending on XXXX. 
In XX/XX/year>, a check I mailed to pay my business leaseoriginally intended for XXXX XXXXXXXX XXXX XXXX  XXXX an address in XXXX, XXXX stolen and fraudulently deposited via a mobile app into an account at USAA Bank. The check number ( XXXX ), amount ( {$3700.00} ), and a significant portion of my signature were preserved, but the payee was altered to " XXXX XXXX '' with an address in XXXX XXXX, FL. 
I only became aware of this alarming situation in XXXX, when my landlord informed me, I was behind on payments. Upon reviewing my bank account, I discovered that the payment had been processed, but I hadn't previously examined the check image. It was only when I attempted to provide proof of payment that I realized the check had been altered. 
I have reported this matter to the XXXX XXXX Department, the XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), and, following XXXX 's advice, to the postal service and the FBI due to the cybercrime implications. Given the fraudulent address in XXXX XXXX, the case has been assigned to XXXX XXXX XXXX. 
USAA has been subpoenaed to disclose information regarding the suspicious account. According to Detective XXXX and XXXX XXXX, a Senior Specialist at USAA, the account raised red flags from the outset. USAA has since frozen the account, never disbursed any money but the funds remain unreturned. 
Despite my banks attempts to communicate with USAA for recovery, they have received no response. My branch manager at XXXX contacted USAA 's Fraud Department on my behalf, only to be met with rudeness and a refusal to engage. 
It is unacceptable that a bank is holding funds that do not belong to them, especially when they are aware of the fraudulent nature of the transaction. This situation demands immediate action. I urge you to intervene and ensure that USAA Bank returns the money to my bank promptly. 
Thank you for your urgent attention to this distressing matter.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/year> I was charged an overdraft fee in the amount of {$36.00}. 
I have overdraft protection and had over {$2000.00} in the adjoining account. 
Regions did not transfer the funds to cover the purchases and instead charged me an overdraft fee. 
I spoke to a representative on XX/XX/year> at XXXX. She refused to credit the entire fee and attempted to chide me. 
The representative does not have the intelligence to perform her job correctly and needs to be trained. 
Regions bank needs to refund the additional {$18.00} that was not received for the fee.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

I discovered that I have been charged monthly interest on a cash advance on XX/XX/year> using my American Express card. American Express charges interest on cash advances, and this interest will continue unless the amount shown on the monthly statement is paid in full. Unfortunately, autopay will not pay the statement amount in full since it first applied any credit ( e.g. from a return or other credits ). Even though autopay will pay off the account to zero balance, the system doesnt consider the payment made in full, and will continue to charge interest on the cash advance. Unless you pay the printed amount on the monthly statement, there is no way to pay the cash advance in full. The only way to pay off the cash advance is to suspend autopay and pay the printed amount on the statement, which means using autopay ( or an online balance due ) ensures a charge in perpetuity. There is nothing on the statement that refers to cash advance ( in fact the statement simply says that autopay will deduct the full printed payment amount ), and there is no way to know this is happening when you have autopay. I spoke with someone at American Express who agreed that this is not right. They have reversed the interest charges on my account and have filed an internal complaint. I am bringing this to your attention because I feel it is an issue that should be corrected - and not only for those who complain. American Express should fix the autopayment so that it covers any cash advance first before applying any credits.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (SC)

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the acceptable items which only 2 are required per the LAW. Which I have provided my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (OH)

I received a {$600.00} american express gift card and I can not use it ANYWHERE. It says that it can be used with Amex cards are accepted. I have the entire balance left on the card, which is {$600.00} so there are applicable funds.
Consumer complaint received 2024-08-14
Product: Credit 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: SYNCHRONY FINANCIAL (PA)

On XX/XX/year>, my credit card statement showed a charge for {$4200.00} from XXXX XXXX. I contacted the Synchrony Bank and disputed the charge. I also called XXXX XXXX. The merchant agreed that he did not provide service because XXXX would not approve the transaction. However, eventually XXXX did approve the transition but the merchant did not provide service and so would not accept the funds transfer from XXXX because he did not want to pay a fee as he did not provide any service. 

The merchant told me I had to get a refund from XXXX. I contacted XXXX who said they don't work directly with consumers and that my credit card bank had to handle the dispute. 

According to the merchant, his bank ( XXXX ) refunded his XXXX fee. I have been dealing with the call center for XXXX  months and can not get this resolved.
Consumer complaint received 2024-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ID)

Dear Consumer Financial Protection Bureau, I am a law student at XXXX with deferred student loans. MOHELA is reporting I am behind though I am not set to begin payments for at least 18 more months. The website provided by the U.S Dept. of Education has been " down for migration '' for months directing obligatory parties to call the toll-free number ( verified through the US Dept . of Education ) which routes all calls into a third party sales " offer '' without any means of directly communicating with customer service without hearing the " pitch '' and being transferred. At this point, there is pressure to make a payment that is not owed including tactics such as threatening with my credit report if not paying the bill which is NOT owed. These are predatory and unfair business practices which I am looking for assistance on. Thank you. 

XXXX XXXX
Consumer complaint received 2024-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

XXXX of XXXX I attempted to utilize Citizens as a financing option for XXXX XXXX to take advantage of a deal that allowed my wife and I to get new phones. Even with a gross household income of {$250000.00} and a credit score from XXXX of XXXX, they denied the request. When I reached out to Citizens, after multiple recorded phone calls, it was brought to light that they had an account for me that was labeled as XXXX XXXX. In Fall of XXXX, someone had opened a fraudulent account in my name through Citizens and bought an XXXX from XXXX. After fighting the charge for months, they finally confirmed it officially fraudulent and were supposed to close the account. It turns out they did not close the account, claimed it against my credit score, and set my account as Charged Out. They never fixed this issue, and when I called this past month to find out what was happening, they decided to refuse to reset my account. They offered me no way of fixing the issue, and as they are the only choice for me to use for XXXX XXXX, they have now rendered me unable to utilize XXXX 's offer. Even after multiple escalations and every effort I could on my part, Citizens has refused to fix the issue, even with the gross negligence on their end of leaving my account as charged out for XXXX and a half years incorrectly.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (PA)

I applied for the credit card and the application did not let me enter the desired credit limit. I was told to wait and call back after four days To request a credit limit increase. I did that and it did not work. As a result, I asked The company to cancel the entire request and remove it from the credit bureaus. They refused to do this and only canceled the credit card. Because the website did not allow me to enter the desire amount as a result this card is no good to me because I can not use it for my balance transfer. The balance transfer was the only reason I opened the card. 
Supervisor : XXXX, employee ID : XXXX
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

I received a copy of my credit report and CBNA- Citi is an account listed. The account is fraud, and I immediately did a police report on XX/XX/year>. I requested them to validate the debt, and they failed to do so.
Consumer complaint received 2024-11-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (KY)

A {$2.00} payment due XXXX XXXX was XXXX day late. A {$40.00} late fee was charged and {$1.00} interest for the {$2.00} balance. I called and was told yes that is correct.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I performed XXXX transfers from my domestic personal XXXX checking account to my U.S. Bank business checking account. I performed the transfers from the U.S. Bank interface. The funds transfer web page did not indicate that these were going to be wire transfers. 
There was no indication of the type of transfer and no fees mentioned on the web page. I thought I was doing XXXX  transfers because no fees were mentioned and the webpage says the transfer will take XXXX business days. Then, a few weeks later U.S. Bank charged by account {$56.00} in wire transfer fees. When I notified U.S. Bank that those transfers were expected to be XXXX transfers and their their funds transfer page DOES NOT indicate that the transfer are wire transfer and have wire fees, U.S. Bank still refused to refund the fees. 

I have simulated another transfer and attached XXXX screen shots to demonstrate that the U.S. Bank funds transfer page on my account DOES NOT indicate any fees associated with the transfer. It DOES NOT indicate that these are wire transfers. And it shows that the transfer will complete over XXXX or more days, which would lead a customer to assume that this is not a real time wire.
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Portfolio Recovery A {$700.00} was sent a letter on XXXX and XXXX request debt validation and original contract. They have not provided that they have legal authority to collect on this debt nor was a contract signed authorizing collection from this company.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I found errors on my credit report as outlined in 15 USC 16c-2. I believe the information is incorrect and detrimental to my creditworthiness. I did not authorize the inquiries that appear.