davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (MO)

I was approved for XXXX in XXXX from Washington State during this time from XXXX and XXXX Mississippi including XXXX XXXX LA and now XXXX  XXXX Missouri I have been trying to contact Direct Express through the automated phone number in regards to filing disputes and receiving bank statements regarding my Federal benefits I have been cut off no response including receiving false documents and unknown amount of prepaid debit cards that are still currently active and my name XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX has or is still being used to illegally collect Federal benefits through the process of international funds and currency as Direct Express and Comerica Bank have been in the news this year for banking fraud and identity theft issues regarding the elderly and XXXX including VA beneficiaries about their accounts and funds not being available or stolen. I believe that this company should be held accountable for their banking violations if all laws and regulations just in XX/XX/XXXX they were sued by several states for violating banking laws they also are or were using my personal information to attain Federal benefits including using my children 's personal information through fraud and identity theft please investigate as these people or group maybe using this for Tribal benefits and Federal benefits illegally
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (TN)

My three credit card accounts were reason closed was because of 4 returned payments on a personal loan I have with them. The first three payments were returned because they were duplicate payments. The last returned payment was because they tried to debit an account that was closed by my bank because of fraud. They never gave me any indication that was situation was creating a problem with my accounts. All payments were made earlier than the due dates. The problem stemmed from their auto-payment system was either trying to duplicate the payment or trying to debit a checking account that was closed due to suspected fraud. After the fourth incident I stopped using their auto-payment system and started to manually make the remainder of payment, without any issue. After discussing with AMEX in detail they have recognized how this may have contributed to the returned payments. They explained that once the accounts were closed they could not be reinstated even if it was in error because of bad information. They at no point admitted to the error on there part but still said that perhaps this situation was also not within my control. Because they closed my accounts without them making any attempt to advise me of the potential problem or discuss with me in advance they were closing my accounts, my credit score has dropped XXXX points. I now have a reduction of {$45000.00} in available credit so my usage ratio went from 20 % to 40 %, and my credit score was XXXX before now it is XXXX. They refuse to remedy the situation because according to them it can't be reversed, okay then what am I supposed to do about them destroying my credit rating. No one will give me any more credit to replace what was taken from.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In XXXX of 2017, Equifax announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. Equifax denied any wrongdoing but in fact did misuse, sell and experience a data breach that resulted in negatively effecting a large number of people. I have been found as one of those who has been impacted and would like this matter resolved immediately. I have went on XXXX website and filled out the eligibility process and have been found eligible they have admitted that my information was breached, leaked, given without my permission.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TH Professional & Medical Collections LTD (IL)

I recieved a bill from TH Prof Medical Collection- I contacted them to let them know the amount was already paid to XXXX XXXX XXXX XXXX. This was in XX/XX/2023 On XX/XX/2023 they reported to Credit agency I owe this amount. I do not owe them anything and account should never have been reported on my credit file PROOF OF PAYMENT IS ATTACHED
Consumer complaint received 2023-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (VA)

I had a small amount remaining on my existing mortgage with Mr. Cooper after making a number of larger additional payments. I simply wanted to make a final transfer to complete the loan. They refused to provide a final cost for the mortgage unless I paid a {$25.00} fee, or waited for a mailed quote that would have been out of date by the time it arrived. They could provide an estimate over the phone that actually was the true number, but refuse to accept a payment unless I paid {$25.00}. It's extortion. When I said I wanted to make the final payment the exact same way they accept the monthly payment and nearly 10 additional payments in the last year, they again refused to accept the funds. They insist it has to be via wire or certified check, meaning a much more difficult process, exposing a considerable of extra personal information and resulting in a {$30.00} fee to do a wire. This is after the first agent I talked to said I could make the final payment as I had the additional payments, but when I tried to it, they refused and forced the wire. This imposition of unnecessary, unwarranted fees is ridiculous. I want these monies returned and the policies of company changed.
Consumer complaint received 2023-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (NY)

This company practices discrimination based on income. Specifically this company denies XXXX income as a basis of repayment. On numerous occasions in XXXX, XXXX, XXXX this company keeps claiming in its denial letter that I do not possess enough " Income and or work history '' also it claims I do not have sufficient education. 

My only sources of incomes are derived from XXXX and not from work. How would I possess work history at this current time? Furthermore after repeatedly submitting the application I am given the same reason. When I contacted the company they read off the same statement over and over. They even state on the bottom of the denial letter they DO NOT discriminate based on income. But here they are telling me I do not qualify based on my " Income and or work History ''. This company specifically practices Income Based Discrimination which is a violation of Federal Law.

Reason : We are unsure of your ability to repay the loan based on your current employment, education or work history.

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with this law is the Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

So last Tuesday XX/XX/2023 someone logged into my account and added XXXX recipients to my account and was able to XXXX {$1000.00} to someone else account. When i seen it on my account i called Wells Fargo. They created a fraud claim and only did an investigation for 3 days. I called and provided the police report number and other information that was needed to help with the claim. They didnt review any of the information that was sent and denied my claim. The reason they provided for denying the claim was because i had not changed my password and they feel like me or someone i know made the transfer. After me steady explaining to them that i didnt know the people and i filed the police report. And the police stated that Wells Fargo wont speak with them. Not they wont give me the money back i need assistance getting the money that was taken from me back. Can someone please help.
Consumer complaint received 2023-10-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (FL)

2017 I bought a car from XXXX XXXXbut the car was so expensive, i was telling the dealership to lower the payment for me, they refused, and they came to tow my car.now they still want me to pay for the car Today I would like to dispute the issue with santander.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

{$500.00} was stolen from the cash app account I sent funds to on XX/XX/23 and my bank account was charged. Gave cash app the name of the person who did it, but Cash app says its nothing they can do. Bank cant help because the charge is still pending.
Consumer complaint received 2023-10-23
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. (MD)

On XX/XX/XXXX I received notification that there had been a hard inquiry from XXXX XXXX XXXX I received an email regarding the denial on XX/XX/XXXX so no account was opened. However I would like to request that the inquiry from XX/XX/XXXX be removed as I did not make this request. I have contacted the financial institution to advise this was a fraudulent request on XX/XX/XXXX.
Consumer complaint received 2023-10-23
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. (SC)

My name is XXXX XXXX XXXX. XXXX XXXX is my husband. On XX/XX/2023, XXXX purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the Better Business Bureau ; I found out these accounts were sold to XXXX. XXXX first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between XXXX, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from XXXX stated, " XXXX  XXXX XXXX Account # XXXX ; Education XXXX XXXX XXXX XXXX XXXX ) has reviewed your concerns. Following is history of the XXXX loans in question held by XXXX that match the first & last name, mailing address and email address provided by you on this complaint. '' XXXX stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date XXXX, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, XXXX provided proof to myself and XXXX  that the XXXX accounts belong to XXXX XXXX. XXXX wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and XXXX. XX/XX/2023 the XXXX discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by XXXX, showing further proof that their records was and can be altered, .i.e. the account belonging to XXXX XXXX. These accounts were falsely generated.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have been disputing this collection account on Experian since XXXX. Once I dispute it within XXXX week they come back as accurate information. XXXX XXXX XXXX is trying to collect on a remaining balance that is not collectable. XXXX XXXX Credit Card sent my account to the original collection company ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which XXXX collected for them on this debt. They settled with me for a lesser amount. The original amount was {$700.00} I paid {$560.00} on XX/XX/2021 which left a remaining balance of {$140.00} which I didn't have to pay because they settled. I have sent letters from this agency stating that I have settled my balance and I do not owe anything more. This company Experian and XXXX will not remove this balance of {$140.00} they are trying to collect which is not collectable since the account was Settled in full from my report. I have been fighting them since XX/XX/2021. Please help me get this error off my report and stop them from putting it back on and stop them from trying to collect on something they do not have a right to collect on. I have never ever received anything from this XXXX XXXX XXXX company this whole time. I do not know who they are or how they got ahold of my written off balance. Please help me I am begging you.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Byrider Franchising, LLC (IN)

all XXXX credit Bureaus have CNAC on my credit reports CNAC is also ByRyder that sells cars automobiles to people they did NOT repo my vehicle... .I called them after paying 2 and a half years on it the car which was a XXXX XXXX I asked them to come get it cuz they wouldnt make the car right and it had serious issues ever since the day we bought it and they tried making us pay for it all plus the payments a month on top of that CNAC agreed on the phone if I returned the XXXX vehicle and I did WILLING... NOT a repo///they agreed it would NOT be put on any of my credit reports
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CNG FINANCIAL CORPORATION (IL)

I bought a used car and was making payments fully paid off the car in XX/XX/2023 And the bank will not send the XXXX to me they even said if I called again they wouldn't send it at all and would block my number
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I'm in the process of buying a home and I realized I had damages on my credit report. According to the 15 U.S. Code 1681 their should not be any damages on my credit report its a defamation to my character.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I made a payment on XX/XX/2023 to Mohela, my loan servicing provider. Mohela sent me a delinquent notice stating they did not receive my payment. The payment was made through my bank 's online bill pay center. My bank confirmed the payment was made and went to the correct Mohela account. I have tried to reach Mohela several times, spending hours on hold, sending multiple messages through their website yet I have not been able to reach anyone. This company does not answer the phone!
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (NJ)

Applied for IDR plan by submitting application and income verification information on XX/XX/2023. Application was received by Navient on XX/XX/2023 but I have received no information on the status of this application or IDR plan request. 

Contacted Navient ( my loan servicer ) and was told this process typically takes two weeks. After I advised them that application has been sitting for nearly 6 weeks they told me they may give me an update on my application status on or about XX/XX/2023. During this time, accruing interest and, I believe my loans may be completely forgiven due to the fact that I've been repaying the loans consistently for over 20 years.
Consumer complaint received 2023-07-25
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-13
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. (LA)

I recently checked my report and I seen that I had unauthorized inquires on my account. I am a victim of identity theft. I have no knowledge of these inquiries. Theses inquires must be removed no later than 4 business days as per U.S. Code 1681c-2.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-23
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

Called today XXXX, talked with representative who could only offer to send another description of the factors that influenced the score. When I viewed the information on the XXXX portal, XXXX items were listed : INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI, and RECENT UNIQUE FI DDA INQUIRY HISTORY. The representative had no other information and could not even explain these " reasons. '' It appears that ChexSystems " calculates '' a credit score of " XXXX '' with NO information! 
My actual credit score with the XXXX major bureaus is virtually a perfect score. 

This appears to be a fraudulent business practice and should be investigated. 
The Consumer Finance Protection Bureau should open an inquiry on ChexSystems immediately.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NJ)

Truist bank and the truist fraud department. I have been calling the fraud department after dening my claim twice for an ACH transaction. Then I received a letter from the client resolution specialist XXXX XXXX he said the decision to deny the claim remains unchanged. I called again today the supervisor could barely speak English and just kept repeating herself. After explained repeatedly why the ACH transaction should have been returned. She refused to tell what was in the notes from my conversations. After calling over 6 times. I'm sure that money should have been returned. If you have further questions someone can contact me. Thank you
Consumer complaint received 2023-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (MD)

I requested a dispute and it got kicked back as accurate so On XX/XX/23, i contacted XXXX to get a better understanding of why i have an account in collections. The lady stated she couldnt find any account with the information i gave her and to contact the debt company to get an account number. I spoke with Jefferson capital and she gave me info on how to dispute and that its better to dispute instead of paying it off.