davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC (TX)

I signed a 24 month no interest loan agreement with XXXX XXXX XXXX Universal Account Servicing. I've made payments consistently for 14 months. I missed the month of XXXX and became 22 days late. I submitted payment to bring my account current. Upon account review, I see the full interest for the the past life of the loan has been applied to my account balance. My account is now subject to future interest as well. I called customer service who stated " we offer a 7 day grace period for late payments and your account is subject to accrued interest if you miss a payment '' I reviewed my loan contract and none of this verbiage is in the agreement. I was transferred to a supervisor who stated the contract agreement statement of " Minimum monthly payment required '' translates to " You will have to pay all past interest and future interest if you miss a payment '' The only reference to a late payment is a late fee " If any payment is more than 10 days late you may be charged 5 % of that installment or {$5.00} whichever is less '' - The tactics employed at this organization are deceptive and harmful to consumers who believe a No Interest offer will hold up. I look forward to them correcting the situation.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank calls my phone number every day and leaves a XXXX recorded message telling me to call them. They don't say why. I don't do business with them. I have never received anything with a similar message in the mail from them. They're harassing me. I'm on the " Do Not Call '' list, too. 

They won't stop. Please help.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (CA)

I had a bankruptcy a couple years back and I've been verifying the information that's being reported by the companies and it isn't accurate. The dates are wrong and a couple companies that weren't a part of the bankruptcy are even listed. It's been a couple years now and I'm trying to get a home but some of these need to be removed as they aren't reporting accurately on the XXXX. Please help me to get these removed. The bureaus are not sending me results of my investigations and it doesn't seem like they are even opeing the investigations.
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Multiple accounts on report with these dates.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NE)

I've been a victim of identity theft. I spoke with someone over the phone XXXX. This individual was posing as a lender for small business. I happen to apply for a few business loans for my small business which was started XX/XX/XXXX. So I believed it was a possible lender as I've sent my application to several lenders. I was threatened by this person. If I didn't give up my username or password to my bank account. I would be in violation of the FDIC. My business and checking accounts were Positive the same day. I have screenshots on my phone. I keep track of all my tasks as a self-employed financial assistant this is absolute protocol. They managed to deposit Two fraudulent checks for some companies I've never worked for in the past or currently. I have filed a claim with the Wells Fargo on the behalf of these accounts. They've not yet requested any of the evidence that strongly support my claim. They have decided to bring both of my accounts for closure. I paid the overdraft fee in my business account to speed up the investigation. I decided to close my business account prior to Wells Fargo 's schedule to bring the business account as wells as my checking account to a closure on XX/XX/XXXX. This has put a restriction on me creating any new bank accounts. Business or checking, due to this madness. So far I have taken drastic measures to protect my identity by not answering phone calls. Changing my passwords.XXXX I reported this to XXXX as I was in need of a direction to resolve this issue.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

On my XXXX XXXX Credit Card I submitted the minimum payment every month for the last 12 months. It is reporting that I was late 30 and 60 days in XXXX and XXXX. I want these late payments removed immediately from my report because they are inaccurate.
Consumer complaint received 2023-11-17
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: EQUIFAX, INC. (NJ)

They have not provided any resolution until now. They still keep reporting the same invalid and inaccurate accounts over and over. They said it's verified but I don't think so. They have failed to communicate with the creditors regarding these accounts. AGAIN... These items should not be on my credit report.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

My debit card was charged {$77.00} by XXXX XXXX on XX/XX/2023. I have not had a transaction with XXXXXXXX XXXX for well over a year. 

I never authorized this transaction and have zero awareness of who did. This was a fraudulent transaction. They also tried to charge my debit card that same amount 2 more times, but those charges were rejected as I did not have the balance to cover it.

I noticed this fraudulent charge immediately because I get notifications on my phone of charges & attempted charges. I reported this to Chime immediately - Within minutes of seeing the notification.

Then I disputed the transaction, but they denied my dispute. Then I appealed, but they continue to ignore me and insist I give them some documentation that it was not my charge. How is one supposed to prove a negative?

Please help!
Consumer complaint received 2023-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2023-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CO)

Loan purchased by Mr. Cooper XX/XX/XXXX. There was a change in insurance at the same time, resulting in escrow shortage. I remitted approx {$6600.00} extra, instructing it be applied to escrow with the old lender. Mr. Cooper received the account with shortage. I spoke with XXXX XXXX, and remitted another $ XXXX to bring shortage back up to par, but they did not post to escrow, they put in unapplied funds. Then they raised my payment to cover the shortage that the $ XXXX was intended to cover. Then I send in payment, and they put in unapplied as it was not the inflated payment they wanted, putting me further in the hole with them. Spoke with XXXX ( XXXX XXXX won't give last names ) XXXX, who indicated problem would be resolved the next week and he'd call back. No call. Called XXXX and re-explained the entire thing to XXXX. Again, she promised to call at XXXX mountain on XXXX. Didn't call. I called again XXXX and was told XXXX unavailable , so made appt for XXXX to call at XXXXXXXX XXXX. He did not. Called again after all the appointments lapsed, and told them I was submitting this complaint, as I can not spend my work hours fighting to get them to do their jobs.
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: LendingUSA (CO)

Im am constantly charged fees for payments days after. I was short a dollar in my bank account and they charged me a {$120.00} dollar fee with no bill sent and not explanation then call me 28 days later saying they are collecting my debt. I cant pay my loan back if they keep charging these fees. They are non negotiable and Im and exhausted financially because of them.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Reliable Credit Association, Inc. (WA)

XX/XX/2024 Reliable Credit Association Inc. 
XXXX XXXX XXXX XXXX XXXX, OR XXXX Subject : XXXX Reliable Credit Association We are writing to dispute a charge off on our credit reports, which is inaccurately reflecting a debt that has been reported as income. This charge off, reported by Reliable Credit, is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and a Form 1099-C has been received and accepted by the IRS which cancels the debt with the creditor. See the attached document. 

In our case, a Form 1099-C was provided to us and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge off on our credit report is inaccurate and should be removed immediately. 

I request that Reliable Credit Association Inc delete the inaccurate charge off from our credit reports as required by the Fair Credit Reporting Act ( FCRA ). Please provide us with a copy of our updated credit report once records have been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have submitted a complaint with the three credit bureau well over XXXX  days ago and have yet to receive any correspondence back from them and this has caused me great hardship, i want to get this resolved asap so I can move on with my life...
Consumer complaint received 2023-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC (NY)

I have requested SEVERAL times complete, monthly payment history to show each payment, each month for the last 24 months. I have been provided various scribbles which are verified as accurate on my credit report & later changed to cover their sloppy bookeeping. I have NEVER been provided the past 24 months that I am entitled to as a borrower. Im not being treated fairly. My credit is damaged because of the borrower who IS getting the account information and doesnt share it with me! Im trying hard to protect my credit!
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Security Credit Services, LLC (OH)

Security Credit Services is prohibited from filing claims in Ohio against consumers, so they have conspired with an Ohio attorney firm, XXXX XXXX XXXX owned by XXXX XXXX, to carry out illegal lawsuits against me. They also filed claims without producing the required documentation to do so as mandated by the CFPB. They are violating Ohio law, the FDCPA, FCRA, and attempting to extort me. Please see attached documents.
Consumer complaint received 2023-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CT)

Equifax Information Service LLC, This company is violating the Fair Credit Reporting Act with bad business practices. 

XXXX XXXX XXXX is reporting two incorrect and inaccurate accounts to Equifax. ( XXXX ) XXXX # XXXX. And a balance of {$2000.00}. ( XXXX ) XXXX # XXXX. And a balance of {$2700.00} the second account ending in XXXX is a public record account a judge has made a decision on that account, I have attached the judge decision letter, Equifax policy is not to report public records but they violate their own policy which is not law, I have sent multiple dispute for these to accounts but Equifax verify these accounts as VERIFIED without sending me a copy of a contract with me and XXXX XXXX, I stated that I never give XXXX XXXX  any permissible purpose to obtain my information XXXX XXXX bought or stole my information without my consent using it to cause me and my family harm, While Equifax is in compliance with XXXX XXXX  to damage my credibility. EQUIFAX failed ignore and denied my request as a consumer when I asked for a written contract or a oral contract or transaction history or a video surveillance to proof that I owned XXXX XXXX for any loan. According to the FCRA U.S.Code-1681b and according to Privacy Act of 1974, as amended,5 U.S.C. 552a Equifax close the window on these laws and violate my rights as a consumer.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (KY)

Truist had a computer glitch on XXXX with their cash reserve line of credit. It debited and credited repeatedly the amounts I have paid into the cash reserve. They took my account negative XXXX dollars. As of XXXX issue not fixed nor has account been adjusted
Consumer complaint received 2023-04-19
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXXXXXX 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 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 2023-05-04
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: TRUIST FINANCIAL CORPORATION (NJ)

I have inquiries I dont recognize on my report such as XXXX XXXX credit date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX on XXXX On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Truist Bank XXXX On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC on behalf of Toyota Financial Services XXXX entered my property without my consent, I had to jump out of my first floor window not knowing what was happening, I told the agent that he couldnt take my vehicle because it already has been paid in full and that I had no knowledge of the repossession taking place. Toyota Financial services has been receiving Legal tender payments since XX/XX/2023, but have refused my payments but has also failed to return payments. They have refused to provide the requested information. I was told by XXXX Agent that if I didnt hand him the key, my car was going to be taken out of state and I felt forced to give him the key to my vehicle but I was not able to take out my personal belongings due to the car already being on the tow truck. Toyota financial services was also provided with a UCC 11 search that proves they never filed a financing statement but still claims to be the owner of my vehicle. Toyota Financial services is in violation of MA General Law UCC 9-506, UCC 9-611 , UCC 9-612, UCC 9-613. Toyota Financial Services also failed to acknowledge that the vehicle was purchased for personal reasons and it could not be repossessed prior to court hearing as stated in the agreement.
Consumer complaint received 2018-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Nationwide Financial Group (CO)

I have struggled with nationwide since I became a member and it starts from not being able to use the bill pay service or the external transfer service with no explanation. A work order was created and never did I hear a response or is the issue fixed. My issue now is that on XXXX, 2018 I deposited a check for {$500.00} this check came from the state of Colorado a government check with a phone number on it that reached directly to the department that issued the check, my name and address on the check matched the name address on my nationwide account but yet nationwide was unable to verify the check it must of been the day all the monkey 's were running the office or something. Anyways the state of Colorado check the as flagged for some reason, just because everyone XXXX XXXX here doesn't mean were all out bouncing checks. So my account was restricted and for a consumer who has one bank and puts all their money into the bank locking someones account has a greater affect then I think the cows in loss control realize. They requested a cleared copy of the check which on a check from a personal account is fairly easy it's however hard when its the state of Colorado but I fought and got it for them. Even a CSR said that was weird for a government check they would request that so my account has now been locked for 3 daysbI couldn't by my dog food and ive called in 20 times and it was escalated due to the importance of this situation and they have yet to lift the restriction
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Love, Beal & Nixon, P.C. (AR)

They brought the debt from XXXX XXXX XXXX, the debt was an old debt that been reporting inaccurate dates to the credit bureau in order to try and beat the law. They reporting the account was open in XXXX, infact the account went delinquent in XXXX
Consumer complaint received 2023-11-17
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

My husband tried to book a hotel reservation with the hotel but instead got a fraudulent company call XXXX XXXX. They charged us {$860.00} for a reservation and rooms immediately. 

We disputed the charge with Cabelas Capital One Credit Card. They removed it. 
XXXX XXXX sent Capital One documents they had made up. Capital one reapplied the charge. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, provided us with a statement on their letterhead saying they have no business relationship with XXXX XXXX and that the company is fraudulent. 
Captial One declined to remove the charge. 
XXXX in wrote another letter on letterhead saying that the reservation we were charged for never existed and that XXXX XXXX did not give them the money for the hotel room. We had to pay again when we stayed there. 
Capital One still would not take off the charge. 
Capital One then sent us a letter saying that our documents were not sufficient, and the dispute case was closed. 
I called again and threatened to contact the FTC and close all my accounts.

Capital One then withdrew the charge and only then.

I spend 12 hours writing letters, calling, and collecting documents to get a clearly fraudulent charge off of my bill. 
My complaint is with the Capital One Credit Card dispute process. 
When I tried to talk to Capital One, the representative only read me canned statement and really did not understand or respond to the fact of the fraudulent charges. 
When the business where the reservation was supposedly made documents that the charge was fraudulent, how can Capital One justify refusing to remove it??? 
The Capital One dispute department is not honoring the federal requirement to remove fraudulent charges. The service is provided by scripted comments and woefully inadequate. Capital One is violating FTC rules by making it time consuming and nearly impossible to get a large fraudulent charge removed.