davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-06
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 — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (IL)

Reporting a Bankruptcy on my credit report that is not mine and they keep verifying it when its 2 different social security numbers and reporting my XXXX account closed when it is not
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (TX)

The collection company keeps repeatedly paying a low amount ( $ 1- {$2.00} ) on the debt, but are saying that I paid it. I have not paid anything on it since XXXX of XXXX. The account has been tampered with on several occasions over the last XXXX years. The last time they say I made a payment was XXXX of XXXX, but I didn't. Also, I would like some kind of proof from them showing where I paid them these ridiculous amounts.
Consumer complaint received 2022-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OH)

Chime let someone take XXXX of my XXXX check they let someone make 21 transactions and then denied my claim it then I deposit {$200.00} and this is supposed to be for rent now my wife said months XXXX  and I deposit {$200.00} and I left my bank card at the gas station and I'm on social security cuz I have a XXXX XXXXXXXX and my PIN number was with my wallet and as I'm on the phone with time trying to cancel my card and they put me on hold for 2 hours somebody done found the card and took the money out the ATM
Consumer complaint received 2022-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 160XXXX- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

Many times over the past 5 years, Experian credit reporting agency has refused to supply my annual credit report. In addition, when I am denied credit, as a result of incorrect information on my credit report, Experian still refuses to send me a copy of the credit report. Experian is asking for a current government issued identification and proof of residence. 

Here 's the thing, I have no problem whatsoever with XXXX XXXX or XXXX. They always seem to provide a copy of my credit report. Experian wants to update their files and they have no right under the FCRA to ask for any of the information that they are asking for. 

I am not going to help them do their job! 

Maybe a congressional investigation into their practices would be justified.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX its paid in full XXXX XXXX XXXX both paid in full XXXX Needs too be removed also Ive ask that my inquiries be removed all the ones that are not tied to account be I did give permission to check undates on credit cards are not right
Consumer complaint received 2022-12-21
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: Volvo Car Financial Services U.S., LLC (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX with Volvo has violated my rights.

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer report to furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open ended consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (PA)

These people are trying to charge me a bill that my insurance was supposed to pay. But because they are lazy to deal with that they just put it into collections. Ive had insurance for many years and they were supposed to contact them. Im currently unemployed and going through so many economic issues to be able to make a payment.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (OR)

In 2010, I closed my joint account with my XXXX They told me I could not close the account without a XXXX XXXX  in hand. No activity happened in the account and I took my XXXX XXXX to the branch on the day I received it in XXXX XXXX XXXX  I closed the account and they assured me that it was closed to all activity. I specifically asked because it was a joint account and my XXXX XXXX XXXX XXXX. XXXX weeks later, they said that my closed account was overdrawn by XXXX of dollars in overdraft fees. No money was paid from the closed account to someone else. ALL of the money was in overdraft fees. I have asked many times ( as recently as XXXX  years ago when I opened a credit card with them because a store used them as their credit ) and they NEVER give me an answer. They XXXX XXXX XXXX XXXX from me and have never repaid it although I have had them investigate it multiple times. I bring it up AGAIN now because of the lawsuit they lost, doing exactly what they did to me. I dont have the account number handy as it was over XXXX  years ago but I have never given up on getting the money back.
Consumer complaint received 2022-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delete Late payments from XXXX XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2022-09-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

LoanMart continues to report payments to the all 3 major reporting agencies inaccurate. The purpose of this is to renew the delinquency date of the loan. I have never made a payment to this company and have emailed them to inform them I will be handling this legally. There has been a numerous amount of incorrect information being reported. I have contacted this company since XXXX of XXXX giving them ample time to fix this issues. 

Currently they are falsifying payment receipts to all 3 credit bureaus. I have never paid this company any monies as they continue to report receipt of payments. 

The key was lost to the vehicle resorting in escalated fees while the tow company attempted to reach LoanMart. They were unsuccessful, although I was still charged for the lack of response resorting in the XXXXow yard having to break the lock. 

In addition, LoanMart has never received a payment due to the disagreement regarding this account. They continue to report false payments
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX its paid in full XXXX XXXX XXXX both paid in full XXXX Needs too be removed also Ive ask that my inquiries be removed all the ones that are not tied to account be I did give permission to check undates on credit cards are not right
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ; ( 5 ) this account in violation not reporting 100 % accurate it lists the XXXX XXXX court as the furnisher that's forgery and misleading when the courts don't report this type of account. These XXXX accounts were listed without my knowledge, permission. 

Both accounts are closed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8400.00}
Consumer complaint received 2024-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I just started a business and need capital, but I'm not experienced with grants and the ones I found, I don't qualify for yet. Someone in a business XXXX XXXX said he helps get people grants. The account was a hacked account. He said he worked at XXXX, provided a fraudulent CPA license, and screenshots of other people who he had the grant approved for. I reached out and asked their experience with the " CPA '' and they said he got the job done. All the accounts that validated him were hacked and part of a network. He charged me an {$80.00} application fee via XXXX, and the next day I received some digital documents asking for a transfer fee of {$320.00}. At that point I was sure I had been scammed. I immediately moved all my money into my other Huntington account. It started on XXXX Friday, and by Saturday I spoke with the bank and they said not to worry and if it was a scam to call on Monday that they would refund me. I called on Monday, explained what happened and they said they would start a fraud dispute. The next week I received a letter stating in my own words that it was my fault for sending money to someone I didn't know. I have supporting documents of the whole situation but don't want to put it on a public post. Can send in private if requested.The scammer was an XXXX, because he slipped up and typed " XXXX  '' when explaining something about my account, which is translated to account in English. I also was in the middle of a manic episode, I've recently been diagnosed with a XXXX XXXX and my mental, emotional and cognitive functions have depleted due to this. Had I been in my right mind, I dont believe I wouldve fallen for the scam. Hopefully I get better after XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. ()

I have my old Cash App ID which is $ XXXX and I need it linked to my current cash app account which is $ XXXX. 

Could you please ask Cash App to link my old account to my new Cash App Account $ XXXX
Consumer complaint received 2023-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is reporting to the credit reporting agencies that I opened an account with them. I never opened an account with them. I never applied for a card and I never signed for a card with XXXX. The card they are reporting on my personal credit report belongs to someone else who added me as an authorized user only. I am not now nor have I ever been financially responsible for paying the credit card balance. XXXX would not produce documentation to support their deceptive reporting that I opened a credit card with them when requested. I called and spoke with XXXX supervisor after very lengthy hold on the line. The supervisor at XXXX used words like we assume and generally when addressing my questions. and eventually he terminated the call which they said was recorded beginning at XXXX Eastern Time on XX/XX/2023. This unfair and deceptive practice has negatively impacted my credit rating at all the major credit bureaus. I advised the Supervisor I would file a complaint with CFPB and so I have. I do not have any other option and hope you will take corrective measures against this abusive treatment.
Consumer complaint received 2022-06-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/2018 Comenity Bank agreed to debt relief if I agreed not to pursue legal action against them for debt collection harassment. This was all done through my attorney at the Consumer Rights Law Firm. Comenity Bank has not removed this acct from my credit report.
Consumer complaint received 2024-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (IL)

So I've been using cashapp for like 3 years now. I've been using my cash card for every purchase I've made. Until XX/XX/2024, they *RANDOMLY* took away my card, so I can't use the money in my cashapp, with my cash card which is what I always do. I've contacted support, and I'm told they escalated the case to someone higher, and i should get an email in about XXXX hours. It's now XX/XX/XXXX, and every time i reach out, they say the same copy and pasted " Replies to cases depend on the volume at which we get them ''. Even if this was true.. Which it is absolutely obviously not the case. There should never be this much lack of communication. I mean seriously.. They TOOK AWAY MY CARD I USE FOR PAYMENTS. WITH NO REASON OR EXPLANATION. Its very very frustrating and they don't care to help me or give me an explanation. I will show you below me trying to talk to them and give me information. NOTE that all of this was to no avail. A support agent on XXXX made me do a form thing to verify my account information.. I've verified it about 4 times now, and I've AGAIN just been ignored. 

All I have received from CashApp support is lies and false promises.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

XXXX XXXX and XXXX are reporting correct account but EQUIFAX HAVE FAILED TO DO SO I am requesting for my account be added onto my credit report i am sending report from XXXX and XXXX of the account that is not reporting to equifax
Consumer complaint received 2022-09-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CT)

After purchasing my 2022 XXXX XXXX XXXX in XXXX of 2022, I did not receive my title for more than two months. At that point, I received a " title for registration purposes only '' in the state of XXXX 

After relocating to the state of XXXX in XXXX, I was told this title was unacceptable for registering my vehicle, which is my only mode of transportation. I formally submitted a request via mail to Hyundai Motor finance the second week of XXXX. 

Since then, I have called upwards of 10 times in an attempt to get through to the title department to determine when my title will be sent to the DMV in XXXX  so I can register my car. I have had success getting through one time in the beginning of XXXX and was told my transfer was " in process '' but it is my responsibility to continue following up to ensure the transfer goes " smoothly. '' At this point, on XX/XX/XXXX, the DMV has still not received my title and I can not legally drive my car.
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (KY)

This creditor again is threatening legal action to collect a debt. They refuse to validate the debt when requested as well as the amount. They are predatory and violate the law over and over again. Instead of answering my request, they sell it to a different collection agency. Therefore the debt is not valid and it violated 15 USC 1681abd 1692.
Consumer complaint received 2024-04-13
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I attempted to use my American Express Prepaid Gift Card ( ending XXXX ) to buy a XXXX  Gift Card on XXXX on XX/XX/year>. The purchase was declined XXXX times. 

The transaction was for {$450.00}, and the AMEX Gift Card balance is {$500.00}. I confirmed the gift card balance at americanexpress.com/mygiftcard.

I have had trouble with AMEX Gift Cards in the past and after reading similar stories decided to come to the CFPB to hopefully resolve this issue once and for all.
Consumer complaint received 2023-06-21
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. (MO)

Do to the pandemic/ COVID, I deferred 6 payments. But they show up late on my report. 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (PA)

I transferred money to the person 's name XXXX. He told me he works for affordable moving LLC as I needed movers for relocating from XXXX to XXXX. I transferred XXXX on XX/XX/22 and XXXX $ o XX/XX/22 and that was through chase bank app ( XXXX ). I called Chase bank, and they told me that they can't get money bank since it was through XXXX, and it is gone.
Consumer complaint received 2019-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received my XXXX statement from Walmart charging me interest. My account was supposed to be no interest until XX/XX/XXXX. When I called I was told this was because my account switched from XXXX XXXX   to Capital One. I was not notified of any changes to my account. They said they took over as of XX/XX/XXXX so the purchase made after are subject to interest but I specifically called to verify if a new purchase was still subject to no interest until XX/XX/XXXX prior to using it and I was assured it was which is why I used this card. They are telling me I was misinformed. I never signed anything with Capital One and in fact never even activated the card they sent me. The card I used for the XXXX purchase which they say is now subject to interest charges was the one from XXXX XXXX. My XXXX statement had a message on the top which only said my Walmart card may transfer to Capital One. No where was it stated of any other changes to my account. A copy of that statement is attached as well as my last bill from XXXX showing my promotional end date is XX/XX/XXXX.
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

For my mortgage assistance application, I have repeatedly provided all paystubs for the entirety of 2024 and yet I continue to receive letters from SPS Servicing saying my paystub documents are " missing pages ''. 

This does not make any sense as paystubs are XXXX PAGE documents. I have sent them individually via the process set up on their website and received confirmation emails each and every time. 

SPS continues to hold up my application process and I am being denied my rights for timely action. 

XXXX XXXX