davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC. (TN)

Optum owes me {$220.00} from my dependent care FSA that I am in fear of losing due to the IRS 's use-or-lose rule,. I have contributed {$3600.00} and have only received reimbursement/payment for {$3400.00}. I have contacted Optum via e-mail messages, app messaging, and phone on multiple occasions and have been told different reasons for not receiving payment each time. The most recent claim submitted was for {$720.00} on XXXX. I am only owed {$220.00} but submitted a larger claim amount because that is the only receipt I had to submit. Optum has told me that I do not have any funds in my account for reimbursement, however, my contributions versus payments as well as a statement from XXXX show that I should have a total of {$220.00} that is due to me for reimbursement. I last contacted Optum via phone on XXXX and was told that my claim had been escalated to their claims department which is the same thing I have been told since I first contacted them in early XXXX.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (TX)

I was told that I would not receive a hard inquiry because I already had an open account. I called the creditor she said she would email her corporate office to fix the situation. The company name is World Finance on XXXX and on XX/XX/XXXX This also happened with XXXX XXXX XXXX XXXX Im not sure if this is a common practice for their employees to lie to the consumer to get applications?
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital (VA)

I do not know who this is or what debt this is. Today they called my mother, who I have not lived with or near in 31 years. There message stated that he was XXXX XXXX with XXXX, XXXX. Claimed he left a message with the superintendent of the city XXXX  ( I'm a XXXX ). Claimed he had sent a registered letter, but it came back. I never received anything. I do not know who this is or what debt it is supposed to be. 
He left personal information with my mother and possibly my employer.
Consumer complaint received 2018-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2018 as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the that the creditor has authorization to legally access my medical records and to attempt to collect on this account as it should have been fully covered under medicaid and this account continues to negatively affect me.
Consumer complaint received 2024-07-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (MI)

I was out of work due to medical issues and filed several requests with them and only 1 was approved all else were ignored and emails went unanswered. 

Also they have not reported the one pause that I received to my credit report and they also have the incorrect loan amount and balance paid on my credit report and the outstanding amount is wrong. I put a down payment of over {$900.00} and they have not reflected any of that payment onto my credit report. I have filed numerous complaints with them and experian and they have not changed it. Paid to date on on the screenshot it's not reflected on my credit report.
Consumer complaint received 2023-04-11
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. (MA)

Experian has a collection account that reporting inaccurately on my report they are the only credit bureau listing this account which is inaccurate it shows a past due balance on a collection which is against the law the company is XXXX XXXX bank the account number XXXX this account should not be reporting in credit and I would like it removed immensely Experian report should match the reports of XXXX and XXXX they are the only bureau reporting account and its inaccurate and I want removed asap I attached proof showing only Experian reporting this collection
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP (FL)

I want to open complaint on USBANK. 
I had FHA mortgage with USBANK. I sold property, got conventional mortgage and I have closed mortgage with USBANK. 
USBANK send me letter confirming all my outstanding debts are paid and mortgage is closed on XX/XX/2023. I currently have no open accounts with USBANK at all. 
Today I just received letter saying I owe {$180.00} on gold checking account I never had with USBANK. I am attaching picture as a prof. 
I has been contacted by debt collection agency and it harmed my credit score. There is psychological aspect also taking toll on me. 
This is clearly a big fraud for me. 
Looking forward for resolution.
Consumer complaint received 2023-07-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (TX)

purchased chase bank cd for XXXX dollars on XX/XX/XXXX XXXX interest was to be dispersed quarterly. a checkfor XXXX dollars was supposed to be sent. it wasnt. Branch manager can not give me a reason or a date when this will. I was told that it wasas sent XX/XX/XXXX but he can not confirm.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOWNEBANK (NC)

I have contacted credit bureaus several times explain that I closed and paid off mortgage XX/XX/22 and paid all balances on my account except car payment and when my morgage company pulls report it does not have updated balances sothat I may acquire a new mortgage.its been paid.

My credit has been pulled 12 times atl east which can also hurt my credit.
Consumer complaint received 2023-12-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (VA)

I am writing to address a serious issue that has arisen subsequent to the formal transfer of ownership of XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX to XXXX XXXX XXXX in XX/XX/2023. As per our agreement, XXXX XXXX assumed exclusive ownership and full accountability for all associated business responsibilities, including debts and financial matters. 

Regrettably, despite this transfer of ownership, I have encountered substantial complications. XXXX XXXX has continued to incur business-related credit obligations in my name, disregarding the terms of our agreement. Efforts to secure legal indemnification through my legal counsel have been met with complete non-responsiveness from XXXX XXXX. 

The situation has escalated to the extent that I am now receiving bank statements and demands for payment related to accounts and credit cards that are no longer under my ownership or responsibility. Moreover, XXXX XXXX has utilized my name for personal expenses, unrelated to the business, including meals and travel charges. To exacerbate matters, he has closed the account without settling the outstanding debt, leaving creditors pursuing me, as I was the primary account holder before the business transfer. 

Despite continuous attempts to communicate since XX/XX/2023, XXXX XXXX has failed to respond to any outreach from myself or my legal representative. This lack of cooperation and communication impedes my ability to rectify these financial discrepancies and fulfill the agreed-upon terms of separation from all business affairs associated with XXXX XXXX and XXXX XXXX XXXX. 

I am urgently seeking resolution and legal separation from XXXX XXXX, as mutually agreed upon in our transfer agreement dated XX/XX/2023. My primary objective is to disentangle myself from any ongoing business affairs and associated debts. I implore your immediate attention and assistance in facilitating a swift and equitable resolution to this distressing situation. 

Please consider this matter with the utmost urgency and provide guidance on the appropriate course of action to achieve the desired legal separation and resolution of outstanding financial liabilities.
Consumer complaint received 2024-07-05
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP (KY)

I had a Covid 19 forbearance and then had to file XXXX XXXX bankruptcy due to a XXXX XXXX. My online banking access was taken away and I was being sent incorrect statement balances. I was not contacted and offered options to repay the forbearance. My XXXX XXXXXXXX was recently discharged and US Bank is saying I owe around {$8000.00} even though my trustee made payments and I also made my regular monthly payments. Now I am getting notices of foreclosure and when I call the bank no one knows what is going on.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I have two balances on my Lowe 's card, which is managed by something called Synchrony Bank : a " regular '' balance that accrues interest, and a promotional balance that doesn't. I noticed on my last bill that I had been charged interest on the regular balance ; this was confusing to me because I had been making regular payments to satisfy the regular portion of the balance. When I spoke to an agent in an online chat ( " XXXX '' ) he assured me that payments are applied first to " regular '' or non-promotional balances, and then to promotional ones. But my last payment had not been applied that way : roughly was applied to the promotion ( i.e. no interest ) balance. The one before that had also not been fully applied to the regular balance. Had these payments been applied correctly, my regular balance should have been satisfied. 

The agent agreed this was a problem but said the bank would only go back XXXX  days to " reallocate payments '' and correct it. I'm not sure why the arbitrary limit was imposed. " XXXX '' couldn't tell me. 

Making matters worse, the end date of my promotional balancewhich much be paid in full by then to avoid interest chargesis not noted on my bill. Together with the misallocated payments, this seems obviously designed to lure consumers into paying interest that should not have been charged. It's not just a matter of reading my bill, either : not only could I not find the promotional end date there ( although there's a box for it ; it says " until paid off, '' which implies that I have forever to satisfy the obligation ), but important information like how minimum payments are calculated and how payments will be applied is not included either. All in all : very sketchy.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account XXXX XXXX  Account open has different dates Acccount last open has different dates
Consumer complaint received 2021-02-01
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. (NV)

Equifax Has a company XXXX XXXX XXXX XXXX XXXX on my credit file XXXX/XXXX/2020 that i did not agree to or sign nothing saying run any type of credit Soft/Hard or agree to terms. XXXX XXXX XXXX XXXX seems to be doing fraud to rent there cars. I need the contract that XXXX XXXX XXXX shows me agreeing to terms not some verbal reply or some reply in words to this issue. 
I'm also filing a US Attorney Complaint and will be filing a law suit on EquifaxXXXX XXXX XXXX XXXX in regards to there XXXX XXXX XXXXXXXX contracts
Consumer complaint received 2023-11-03
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

I had XXXX stolen from my bank account, it got stolen within XXXX XXXX hours all from XXXX and XXXX XXXX charges, clearly fraud. Upon calling my bank they told me to submit a claim. The claim got denied weeks later and they told me to submit a dispute. They took 90 days to respond to me just to tell me that they dont have anything to do with it and to call XXXX instead. Upon calling XXXX i got told the charges were too made a long time ago so they cant refund and they couldnt do anything about it and to contact my bank. They both gave me the run around I am a injuried XXXX XXXX and living check to check and this set me behind in paying my bills and over charges and my entire life fell behind because of this. It is unfair a hard working veteran gets treated like this. I bank with XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

On my VENMO account they have been charging me double for transactions. They take money out for a pending transaction and then they turn around and take it out again, once the transaction is complete. They have been doing this on my account for at least a year.
Consumer complaint received 2024-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (CT)

Someone has obtained my online banking information and XXXX  started money transfers charging my credit cards. The XXXX, on XX/XX/XXXX, was for more than {$19000.00} and the second, on XX/XX/XXXX, was for more than {$21000.00}. XXXX  XXXX XXXX has stopped the transfers. XXXX  XXXX XXXX blocked access to my online banking account. Before then, I changed my password. I called the number XXXX  XXXX XXXX provided for unblocking my account, The bank changed my login ID and I changed my password. Because of the XXXX  fraudulent transfer was cancelled, the bank sent me a new credit card. I received it this morning. I activated the new card and less than XXXX hours later, another transfer was initiated. I called the bank again and after several transfers between fraud departments, the bank blocked access to my online account. They bank representative said I need to go to the XXXX  XXXX XXXX branch where I bank on XXXX  to reinstate my online banking. Also, someone accessed my XXXX account and charged a purchase from XXXX for XXXX laptops XXXX  on XX/XX/XXXX. The XXXX  charge was to my XXXX  XXXX XXXX credit card and the XXXX  was for the same amount to XXXX but opened a XXXX  credit charge. When I filed a dispute saying I did not make these transactions, XXXX denied my claim.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have asked that they provide the purchase agreement to show full ownership of such amount and other documents so I can review to see if this account belongs to me but they fail to do so. Also, this company violates my right reference to 15 U.S code 1692e ( 12 ) ,15 U.SC6801.
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I have sent {$50.00} to an individual that claim to sell computer hardware, however, paypal automatically changed from Good and Service to Friends and Family. The original seller have ghosted me after and I have reached paypal immediately but they claim nothing can be done.
Consumer complaint received 2023-04-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I received numerous calls and was even reported to the credit bureaus for a debt that Ive disputed numerous times. Each time the debt was disputed. I was told that it was assumed to be valid. I was being told I needed to file a police report for a very old death and to me I felt like they knew it wouldnt be done after sending you three different loopholes. This debt should be removed from my credit report, and Ive asked numerous times with no assistance, but constantly calling me to threaten court and legal proceedings.
Consumer complaint received 2024-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have asked that they provide the purchase agreement to show full ownership of such amount and other documents so I can review to see if this account belongs to me but they fail to do so.
Consumer complaint received 2024-07-04
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: BANCO POPULAR DE PUERTO RICO (PR)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under reported the correct balance onto XXXX, the Months of XXXX, XXXX, XXXX payments havent been credited and reflected in a lesser balance than reported by this problematic institution. I generated a dispute with XXXX and they still have underreported the amount owed by {$180.00} they have now received XX/XX/XXXX payment and should further adjust accordingly. the payments for the months mentioned above totaled {$1900.00} in underreporting this amount is derived from monthly deductions of {$640.00} the month of XXXX of {$640.00} plus the underreported balance mentioned above of {$180.00} totals now {$830.00} and needs to be corrected and adjusted accordingly this lender has repeatedly and intentionally underreported my payments.
Consumer complaint received 2024-07-03
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Butler and Associates, PA (KS)

This collection. Is taking more than 25 % of what i have left after taxes and deductions. My checks were approx XXXX after taxes and deductions its now XXXX? It has created an inability for me to afford to move in to a different dwelling when my current lease was up on the XXXX of XXXX, XXXX. Because of this undue hardship, I am now homeless. I wasn't notified by XXXX or by mail, I was notified by my hr department at work the intent to sue. And if you want to be honest both these cases are from medical visits that I was forced to go to the XXXX and left XXXX stating I could not afford to pay the bill and yet somehow was forced into receiving the XXXX even after I expressed my wish to not go to a XXXX XXXX XXXX XXXX  ( in both XXXX and XXXX. ) Admittedly I was XXXX to what I could legally do, and still am learning but this garnishment is making it impossible to find a place to live that I can afford especially since I have XXXX adults with me that don't have income. I'm XXXX  and it's all thanks to you garnishing my check and I wasn't notified that would happen until XXXX XXXX days. Before my check was deposited. I'm going to go ahead and file bankruptcy. There is nothing else I can do.
Consumer complaint received 2024-02-13
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. (MD)

I wrote XXXX XXXX XXXX to tell them Im opting out. And no longer want them to share my personal information with any credit reporting agencies. They still have not responded. 

Also All credit bureaus ( XXXX, Equifax, XXXX ) are in violation under the privacy act of 1974. Charge offs are considered CERTIFICATE OF INDEBTEDNESS. Which means it is now considered income and must be removed off my credit report. It should have not been there to begin with. Pur 15 U.S. Code 1681n each credit bureau owes me a {$1000.00} Per violation.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

I opened an account through Marcus Goldman Sachs for a high yield savings account. I transferred a sum of money ( {$9400.00} ) in and attempted to transfer some out a few weeks later which resulted in the lock. This was my own mistake and I shouldnt have done so so soon after opening an account. However, I called asking how to unlock, they let me know they needed to verify the linked bank account as mine and I could do this by sending them a bank statement from the linked bank account with my information on it. I did so, this all happened XX/XX/XXXX and it is still locked to this day. I called them twice more asking why it is still not unlocked since then as I assumed they get a lot of mail and paperwork to go through so I gave them time to get to mine, the last time we spoke was in XX/XX/XXXX, they let me know they would open the letter with my bank and info on it within the next couple days after and send me an email or call with more information and this never happened. The money is still locked up and any attempt I make to take the money out it is redirected to just wait longer for them to get to my information to unlock it. It should not take a year for this to happen as it is not also XX/XX/XXXX.