davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or missing disclosures — 
Company: World Acceptance Corporation (IL)

Approximately XX/XX/2024 or so, I contacted World Finance Corp in XXXX Missouri to inquire about their advertisement of doing tax prep for individuals and their offer of a refund anticipation loan where it was advertised as being fee free. I was told there would be no fees associated with this product and so I allowed them to do my taxes. I sent in all my information through the internet and later that day went in to the office in XXXX Missouri to finalize this loan. I was never allowed to see any paper work when I went in to the store. I again asked at that time about the cost associated with this loan and was told it would cost nothing as long as I filed my taxes through them and if I allowed them to take the amount of the loan from my refund which i was told would be {$1000.00} plus {$39.00} for the opening of an account in my name through their XXXX XXXX for a total of {$1000.00}. The remainder of my refund would be given to me by check when my refund arrived. I was not one time told of any other fees for taking out this loan. A electronic pad was put in front of me where I was told to sign my signature. I could not even see the signature I was signing because I was never allowed to see their computer screen. I trusted the word of the loan officer that I was only signing my tax return. Even the printout I was given only included my tax return. I was never given and still have not been given any paper work about any fees associated with this loan. My refund came in XXXX where I for the first time saw that I was being charged {$570.00} for XXXX XXXX fees when I logged in to taxpayer.sbtpg.com which is the refund middle person. I immediately called World Finance and asked about these fees and was told that I shouldve been given a document showing the fees associated with this loan. I told them i never received any fees documents and was even specifically told this would not cost me any more than the amount of the loan which was {$1000.00}. I have attempted to contact World Finance on many occasions since and now I believe they have my phone number blocked because my phone number never rings through but if i use someone elses phone it immediately rings through where i am told now i owe them {$110.00}. In my opinion they owe me almost {$600.00} because I was never told nor given any paperwork about fees associated with this loan. Federal law says I must be given documentation of the fees associated with a loan at the time of the loan. I still have never been given that paperwork and was specificxally told it would not cost me.
Consumer complaint received 2024-04-15
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. (GA)

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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (IL)

According to the FDCPA a debt buyer is considered a debt collector and must have proper licensing to operate business in the state of XXXX. I preface this to say the company Torres Credit Services , Inc has been illegally reporting an alleged debt on my credit profile without an XXXX  Collection Agency License. The day this company started attempting to collect was XX/XX/2022 and the amount of the alleged debt is XXXX . I am not tied to this debt, therefore this debt needs to be removed from my XXXX and XXXX accounts immediately.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

XX/XX/2024 I received texts about my new Chime account, including welcome emails. 
I immediately contacted them and they would not provide any information- but you have to use your phone number, SSN, email, phone number to open an account. 

They closed the account, but refused to give any details around the opening of the account. 

I later recieved a card in the mail. 

I never opened an account with them, yet they provide an easy service that doesn't hit credit bureaus that allows scammers to verify your social security number and personal details.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX I purchased a new phone which I traded in for another phone. I was unable to access my Citibank account after these changes. I called Citibank to let them know I was locked out of my account due to me changing my telephone number and my phone. Citibank told me I would have to wait for a code through the mail. I waited for a letter which took XXXX weeks in the days prior I had to open a new bank account with another bank entity so I could pay my bills. I was able to access my account sometime in XXXX thats when I updated my phone number. I contacted Citibank to ensure the process of changing my phone number was in effect I was told it took 30 days. Today XX/XX/XXXX I was attempting to make a external transfer to my other bank but was unable to verify my account because the system switched my phone number back to the original phone number I no longer had access to. I contacted Citibank and of course they could not assist me I was told to send them a letter via mail requesting the change of my phone number. This has been a very stressful process and Citibank is not assisting me in this matter. Every representative tells me something different
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc. (NC)

On XX/XX/2024, the XXXX XXXX XXXX, a third party, informed me that they had purchased hazard insurance coverage on my behalf worth {$500.00}. They claim that this was due to my property insurance not meeting my mortgage servicer 's standards. 

My mortgage servicer is Click 'n Close Inc. ( NMLS XXXX ). 

The XXXX XXXX XXXX is contracted by Click 'n Close Inc. The XXXX XXXX XXXX sends me harassing letters 4 - 5 times per year. Each letter claims that I need to show proof of homeowners insurance that meets my servicer requirements OR that they have purchased insurance on my behalf because my homeowners insurance does not meet my servicer requirements. 

Each time I receive a letter, I reach out to XXXX XXXXXXXX XXXX XXXX and my servicer. I have been assured by both my servicer and The XXXX XXXX XXXX that they have correct and adequate homeowners insurance on file for my property. 

Since receiving this last letter, on XX/XX/2024, I've tried repeatedly to contact my mortgage servicer or The XXXX XXXX XXXX. I've been left on hold and unable to get through to either party to resolve this issue. 

Without my consent, my mortgage servicer, Click n ' Close, is charging me for hazard insurance on my property. My current property insurance meets their clearly laid out expectations. I don't need their insurance and have not consented to them charging me for more insurance.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Bankruptcy 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 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 2024-04-15
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. (IL)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

I have been an american express customer for years and had never made late payments before XXXX. The post charges for my XXXX statement was {$430.00}, however, due to personal issues, my payment past due, hence they charged me with {$69.00} late fee and {$30.00} interest in total on my XXXX 's statement. On XX/XX/2024, I paid off my balance of {$460.00} ( interset charges included ). After that, I contacted American Express customer service and they promised that they would waive off all the late fees once they received my payment. However, they broke their word as none of those fees were waived on XXXX And to make it worse, American Express even charged me with extra {$40.00} late fee and {$12.00} interest fee on my XXXX statement, {$40.00} late fee and {$2.00} on XXXX 's statement, which is literally ridiculous. So I refuse to pay such unreasonable fees now.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

They said fraud, because I paid my bill off and I have more than one bank account, which is discrimination has though XXXX people can not have more than one account or pay our bill in full. Five days to post a cash payment from my bank account a ( Business credit card ) and a ( Business bank account )
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Please provide proof these accounts belong to me. They have failed to provide any proof these accounts belong to me based on the guidelines.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX account shows as placed for collection. Both XXXX and XXXX have removed this account from my report as it is not mine. Transunion continues to report this account.
Consumer complaint received 2023-03-13
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. (SC)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-04-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

XXXX shows no mortgage on my credit report? 

Do I have a mortgage? 

If I pay US Bank mortgage payments, I will get no credit for my payments because it's not on any of my of my credit reports. 
How fair is that?
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

Hello, sorry I have to file a complaint against USAA again. This will be my final one against them as I have open a XXXX XXXX account and will be leaving them due to this fraudulent transaction. 

On XX/XX/XXXX my payroll check was deposited {$2500.00}. That same day, USAA hot me with a {$100.00} overdraft fee. My checking account was getting low but was still above XXXX. My savings had {$92.00} in it. I would have moved the money over if needed but it wasnt necessary. USAA charges my credit card {$100.00} but they never put the {$100.00} into my checking account. I opened a complaint on XX/XX/XXXX. On XX/XX/XXXX, they said they were wrong and rolled back the {$100.00} transaction. I thought it was over at this point. On XX/XX/XXXX I got a notice about something in my inbox. I read it and couldnt make sense of it. I noticed they put another {$100.00} on my credit card and this time they put {$100.00} into my checking account. Why? I didnt need it. 

The reason I believe they are doing this is because I have some debt from my divorce in XXXX that I have sitting on the credit card. Its at XXXX interest rate as long as no new charges are accrued. Now, they can charge me interest. This is FRAUD and I am requesting you to investigate and perform in person audits of USAAs overdraft process. I the past, USAA pulled from savings first but the rep I spoke with on XX/XX/XXXX said that changed in XXXX and many didnt know about it. I did not. I have removed tgis feature from my USAA account even thou I am leaving them, I am no risking it.
Consumer complaint received 2023-08-03
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: AMERICAN EXPRESS COMPANY (TX)

According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A. 
" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I previously filed a complaint with the consumer financial protection bureau because they have kept my loans in forebearance for months and I am missing payments towards public service loan forgiveness. I have repeatedly asked them to remove it and they always say they will, but never do. When I filed a complaint here they told your office that they removed it and closed my complaint. I am submitting another complaint because they never removed it and I still have the forebearance.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (SC)

Cash net USA is showing in collection on my credit file. It has a dropped my scores tremendously. It is also showing up incorrectly on the balance. It also shows on XXXX bureau it shows as a debt recovery company on the other credit bureau, It shows up as a medical collection debt company. it has inaccurate dates because I did not open this account in 2023 and it said it was open in 2023. I asked them to validate the debt and they have not validated the debt as of today but it has been placed on my credit file from XXXX different collection companies and it has dropped my scores tremendously. I need this inaccurate debt and information removed from my credit report immediately.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

XX/XX/2023, I called Synchrony Bank 's fraud department after noticing a charge on my statement for XXXX from XXXX XXXX XXXX. I know the restaurant owner, XXXX XXXX, and asked him about the charges. XXXX. first admitted and then he denied any knowledge of it. I called Synchrony and explained that the owner denied the charges, although it was clearly on my billing statement. The representative told me to file a fraud complaint and advised me to file a police report. I did as instructed. Since XX/XX/2023, I was told to allow 45 days for Synchrony bank to investigate. I called approximately 20 days later and I was told by the bank representative that there was no information in the system of me filing a dispute. So I went through the process of filing another claim. I was told to allow 45 days processing time again. I called again at the end of XX/XX/XXXX to 3 times later in XXXX, XXXX to 6 times in XXXX, the same in XXXX and XXXX. When I called in XXXX, I spoke with a representative by the name of XXXX. XXXX assured me the matter would be resolved. However, when I called in XXXX, the same cycle of events happened again. I was told my claim was denied because " you accept the charges ''. They were saying that I told them ( synchrony ) that I agreed to the charges. This is obvious a false statement. I never accepted responsibility for the charges. I called for XXXX again and he once again assured me the charges would be removed and my account would be on hold until everything is resolved. In XXXX when I called in, I was told the claim was denied for the same reason as before. I also received a statement that my Sam 's Club synchrony account is being closed. This bank has been very difficult to deal with and based on multiple reviews may situation appears to the bank 's common practice. The practices and mishandling of my account by Synchrony were very similar to the reviews I read with the XXXX XXXX XXXX XXXX website. I am completely frustrated and confused as to why this is ongoing for 8 months. There is definitely foul play going on. I desperately need assistance. Thank you