davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc. (KY)

Issue 1 : They force you to pay a donation of 15 % for a loan and if you dont offer to pay that much you pretty much wont get your loan funded.

Issue 2 : They hid the fact that donations are optional. There is a button to toggle off voluntary donations in settings, but they dont tell you that the button is there or how to use it. So for the first few loans I took out I had to pay this donation and didnt have a choice or know I had a choice to toggle it off. I probably lost {$200.00}. 
Issue 3 : This is definitely the biggest issue by far. Starting on XX/XX/24 out of nowhere, I started receiving an error that my debit card could no longer work on the site. There was no reason for this. At the time I had a loan out that was due on XX/XX/24. I was told that there was an update being done to the app which none of the users were notified about ahead of time and had no idea whats happening. Since XX/XX/24 everyone I try to re-add my debit card I get an error message. Today is XX/XX/24 so this has been going on for over a month. What seems fishy to me is that my loan seemed to pay back automatically with the same debit card on XX/XX/24 with no issues but yet Im still told my debit card cant be added and therefore I cant use the site to take out a new loan. Customer service is no help. You can only email or chat and they just keep giving a canned response that they are still working on the update and that every day more and more users are able to use the app. They can not give any kind of ETA on when things will be fixed or exactly what the problem is. What kind of app update takes more than a month. Something very fishy is going on with this company. And they are deceiving their consumers who have come to rely on this app for lending needs.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

Loan Depo has placed an escrow account on my loan after I refinanced one year later and refused to accept my loan payment claiming that i need to pay not only my normal loan amount but also the escrow fees for property taxes for the next year. When I paid the loan amount they returned the funds to me stating they refuse to accept any partial payments. I have tried repeatedly to work with them but they now have double my monthly payment from {$4700.00} to over {$8800.00} a month in an effort to foreclose and take my home away from me and my family. This predator lending in the US must come to end. People like myself are losing our homes.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA NA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX remove all inquiries pursuant to 15 usc 1681 immediately All charged off accounts are non collectable this is Violating The Privacy Act of 1974 someone illegally sold my information to a 3rd party company. 
Collection Agency XXXX XXXX Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Account Number xxxxx XXXX Original Amount Owed {$120.00} XXXX XXXX XXXX XXXX {$120.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

When making a large payment to my PayPal World cashback Mastercard which is issued through Synchrony Bank, my XXXX checking account shows that the money was paid and it also shows in my Paypal credit card app that it was paid on XX/XX/2023 but Synchrony bank states that in their terms and conditions that the payment may be delayed, is on hold and can take up to 21 days to post to my account. So which causes me to only use the available credit even though I paid them. When I talked to a supervisor she stated that they don't know what is happening behind the scenes or how the algorithm is written. As you can see in the statement the payment was {$11000.00}. The paragraph that talks about the payment could be delayed is on page 4 under " How and when to make payments/When payments are due. 
Thank you for protecting us and resolving issues like this.
Consumer complaint received 2023-11-09
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. (MO)

Experian is retaliating against me for filing these complaints. I do not ask for money but rather just fix my account which I have worked so hard on by myself to fix it. Experian keeps saying working on the issue then 2 months later closes the complaints. You stole 17 months of on time never late payments to XXXX and won't put back on but yet you want to negotiate to lower my XXXX bill your leaving me no choice. Look at the evidence I present not to mention the double bank account and all the other problems with my account
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (NC)

I had an auto loan with Wells Fargo Dealer Services. My payments were never applied correctly I got behind and made proper arrangements to secure the loan made the payment and the car was repossessed. I wasnt given any information to get the car back. I was never refunded for GAP insurance or the fee they tacked on. To make things worst their towing company stole valuable things that was in my car that were also sentimental from my deceased father that had recently passed during that time. I contacted Wells Fargo they sent me a cashiers check in the amounts of {$8.00} and {$27.00} those amounts are extremely wrong. Just the refund on the GAP insurance would have been more than that. I had expensive things in my trunk because I was traveling the following day prior to the repossession. I want to be compensated for everything I lost.
Consumer complaint received 2023-11-01
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. (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.

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 inructions 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

Please delete all complaints associated with this email and personal information below. You and the credit bureaus do nothing to help the normal citizens of this country. It is nothing but a waste of time, no one checks anything, follows up on anything because you dont care. Im sure if I was in this country illegally you would handle immediately and offer even more credit, insurance, phone, place to stay, etc. Im an American citizen and nothing has been done to help me. I will take a different approach and I promise you all will be exposed of how you do nothing but forward complaints back and forth and no one checks anything. Please erase me from your system. You guys are absolutely worthless!
Consumer complaint received 2023-12-05
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. (IN)

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

My credit was ran by a car finance company 16 times I have contacted the credit reporting agencies and they advised me they couldnt assist with removing them and to contact the creditors. I contacted the creditors and they told me to contact the Credit reporting agencies to get removed. They are sending me back and fourth and no one is actually helping me get these unauthorized inquires removed.
Consumer complaint received 2023-12-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

On XX/XX/2023, I sent in a Lawful Notice of Dispute, I gave the company a period of ten ( XXXX ) days from the date of your receipt of my notice and if not then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. It's been over a month and they still have yet to provide this information or to delete this information from my credit report. They are now in default. They are also violating Fair Credit Reporting Act ( F.C.R.A. ), Violation of the F.D.C.P.A., Defamation of character by reporting this debt on my credit report while also violating 15 U.S. Code 1681b since they never got my permission to report this in writing, and also, the use of my copyrighted property.
Consumer complaint received 2023-12-05
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. (GA)

I am trying to purchase a house and notice I damaging information on my credit report preventing my credit from improving to purchase my kids a home.According to the provisions of the Fair Credit Reporting Act 611 ( a ) U.S.C. 1681i ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. According to the to the provisions of 612 [ 15 U.S.C 1681j ], there should no charge for this reporting.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the FCRA, I am not liable for these debts. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( TN CHILD SUP # XXXX ) ( TN CHILD SUP # XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXXXXXX ) has all violated my rights.

15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 c. ( 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 crimes which antedates the report by more than seven years.

15 USC 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. 
Also, I have not supplied proof under the doctrines of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists or is verifiable.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Recovery Services, Inc. (TX)

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 2024-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

I am writing to express my deep frustration and dissatisfaction with the handling of my Chase bank account closure and the subsequent withholding of my funds. 

On XX/XX/XXXX, without any explanation or provided reason, Chase Bank abruptly closed my account, which contained a balance of over {$3400.00}. When I inquired about this action, I was informed that my account was under investigation. Despite my offers to provide any necessary documentation or evidence, the bank refused to clarify the nature of the investigation or provide specific reasons for the closure. 

I was told that the investigation would take ten business days, after which a check would be sent to my address. However, despite multiple follow-up calls during the investigation period, I was only given vague assurances and no concrete information. On XX/XX/XXXX, I discovered that my account had been completely deleted. When I visited a Chase branch in person, I was told that I might have to wait until XX/XX/XXXX for the check to be sent. 

By XX/XX/XXXX, I still had not received the check. Upon contacting Chase again, I was informed that the investigation was still ongoing and there was no definite timeframe for its completion or for the check to be sent. This ongoing uncertainty and lack of communication from Chase have been extremely stressful and inconvenient. 

I find this conduct by Chase Bank to be highly unprofessional and disrespectful to a customer. It has been over a month, and I have yet to receive my funds or a satisfactory explanation. I urgently need these funds to pay my rent and other essential expenses. 

I demand that Chase Bank immediately resolve this issue and sends the check for the full amount owed to me without further delay. I appreciate your assistance in ensuring that this matter is addressed promptly and that I receive the money that rightfully belongs to me. Thank you for your help. 

XXXX XXXX XXXX card number XXXX XXXX XXXX XXXX address XXXX XXXX XXXX IL
Consumer complaint received 2018-02-09
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. (TX)

Their is an unauthorized inquiry from XXXX XXXX lending on my credit report that showed up XX/XX/2017. I have disputed this repeatedly with Equifax and they continue to tell me it will be removed, but it has not been. I did not do business with this company and never applied for anything with them and never gave my permission to have them pull my credit.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

We received a business loan in our business account, the bank restricted the account without informing us to which we paid our drivers and other expenses with the understanding our funds were available. After a visit to the bank I was informed to wait 2 business days, 10 days later I called only to find out funds were frozen and the acct is negative XXXX!!! No communication, no message nor did we get a letter of any kind, our company is literally shutdown waiting on the outcome of their investigation but no one called us or gave us a heads up to contact the lender.
Consumer complaint received 2023-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

On XX/XX/XXXX my husband and I received XXXX dated XX/XX/XXXX notifying us of a matching error on our tax year XXXX XXXX filing ; specifically for Payment Card/Third Party Trans from Block, Inc , F/K/A Square , Inc , in the amount of {$100000.00}. 
The receipt of this letter on XX/XX/XXXX is when we first became aware of the unauthorized and fraudulent use of my husband 's social security number. We then checked tax transcripts and found a second account was opened in XXXX totaling {$89000.00}. For XXXX alone the IRS is proposing a tax bill of {$41000.00}. 

Neither myself or my husband have ever held such a payment account through Square, and certainly were not aware of or authorized this account. Additionally, the unusual account activity indicated in the transcript does not reflect our financial behavior. 

Attempts to remediate this matching error through Square directly have been ignored and the case # was closed automatically after they " did not hear from me '' for two weeks even though they never responded. Since the case was closed, 40 emails have been exchanged with their customer service email with no traction. I am unable to speak to a person directly since their support line does not recognize my phone number as I do not have an ( authorized ) account. 

We have additionally filed a police report with XXXX XXXX XXXX XXXX of Oregon, which has also yielded no results. 

I am astounded that a financial institution has made it virtually impossible to contact them, that there is no way for me to know what financial institutions are using our social security numbers for this type of third-party payment processing, and whatever method they are using to verify accounts is sorely failing.
Consumer complaint received 2023-12-05
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. (IL)

I noticed these unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.