davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: COLUMBIA BANKING SYSTEM, INC. (WA)

On XX/XX/2020 I attempted a withdrawal from a Columbia bank ATM in XXXX XXXX Washington. It shows up as a transaction from Columbia bankXXXX XXXX XXXX. The attempted withdrawal amount was {$400.00}. The total amount that was taken from my account was {$400.00} which includes the ATM fee. I did not receive any funds from the ATM that day. 

The physical address for the bank is : Columbia Bank XXXX XXXX XXXX XXXX XXXX, WA XXXX I immediately disputed the charge with my bank ( XXXX ). The money was returned to me but later that decision was overturned and the money was taken back out of my account again. I escalated the dispute and it was denied again. I called XXXX dispute department 4 times trying to resolve the issue to no avail. The representative that I kept getting wasnt actually in the dispute department and told me that department can not be reached by phone or email. At that point I filed a complaint on this website. 

A person from the actual dispute department finally called me and basically said Colombia bank sent them information that proves the money was taken from the ATM. I called Columbia bank asking for the video surveillance of the ATM but was denied. XXXX said there was nothing else they could do for me and Columbia bank was blaming XXXX. 

This error was not my fault and the money was not dispensed to me which the video surveillance will prove. At this point I dont  know what else to do about the theft from my account. Please help.
Consumer complaint received 2020-06-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Harpeth Financial Services, LLC (VA)

I received a letter from XXXX XXXX Firm stating that I owe a debt that is not accurate and not the correct debt. This so called law-firm is trying to use communication tactics and not following the law when informing someone of their debt. The original debt is from a fake loan company that is illegally trying to collect on fake loans/debts. I am asking the CFBP to get involved in this fake debt collection process. I am also contacting the Virginia attorney general 's office to contact this so-called law firm and have them stop collecting on fake debts.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid 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: U.S. BANCORP (VA)

In XX/XX/2020, submitted billing dispute regarding a charge still showing for services cancelled and refund not yet obtained from merchant ( XXXX XXXX ). Company required I submit additional information which was sent back in late XX/XX/2020. Shortly thereafter, I received notice that the dispute was closed despite my sending the requested info and calling multiple times. After much complaining, Company ( US Bank ) re-opened the dispute in early XX/XX/2020. In late XX/XX/2020, I received a letter with documentation from the merchant that indicated my dispute was not valid and the charge would remain. I followed up with the Company, via letter on XX/XX/2020, advising that the documentation submitted by merchant was invalid as it was for an incorrect ticket number ( in other words, the Company submitted dispute to merchant ( XXXX XXXX ) for the incorrect ticket number ). The details of this were laid out in my letter of XX/XX/2020, further advising that if the charge remained valid on my account, that a complaint would be filed with CFPB, which is this complaint.
Consumer complaint received 2020-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (NJ)

My credit score dropped last night dramatically. After securing my credit report, I noticed a charge from Midwest Recovery Systems from XX/XX/XXXX. It says I opened an account and the amount is {$500.00} as of XX/XX/XXXX. I never opened any account with anyone in XXXX of last year. I never received any notice regarding this matter from this company by mail or otherwise. I contacted them to remove it as it is not my debt or it is fraud. I have yet to hear back from them.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland Equifax XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX XXXX Account Number, XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards XXXX XXXX
Consumer complaint received 2020-06-12
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. (NY)

XXXX XXXX XXXX ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.
Consumer complaint received 2020-06-12
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. (NY)

XXXX XXXX XXXX ACCOUNT NUMBER XXXX Must be removed from my credit file. I personally spoke to the firm. They do not have any records of my account.
Consumer complaint received 2015-12-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On XXXX/XXXX/15 I applied for a payday loan with Ace Cash Express online. The online application asked for basic information about my employment work history etc. After filling out this page i hit submit and a page came up saying a rep will contact you to verify your information. Four hours later i received a call form the rep who instructed me i had to call my bank on 3 way to verify information. After this phone call the rep said i would have my funds withing 24 hours. During this process i never saw or agreed to the terms they set forth. I never signed or revived a TRUTH IN LENDING disclosures. When I called to speak to a manager he indicated I had already signed the documents. I said if i did sign the document i would like to receive a copy showing my signature and he said he can not provide that to me. By law i should receive and have signed the disclosure and ace cash advance did not show me or provide me this document and still proceeded with the loan under terms i was unaware of.
Consumer complaint received 2020-04-11
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: EQUIFAX, INC. (MI)

I completed the first 2 steps in receiving my annual credit report ; electing initially XXXX and then thru a separate session Equifax. 

Both times during step 3 it asked me to answer questions regarding my information for further verification. Both requests said they were unable to provide me a copy via online. 

In each instance, 1 or 2 of the questions made no sense or did not represent any information I was familiar with. Why? 

I submitted an online dispute with XXXX ; I noticed a phone number they had was not correct. I also tried to call Equifax answering an automated questionnaire only to be hung up on because is was after hours. 

This who process is cumbersome and the customer service a joke. The fact I have to reach out to ensure these companies are not improperly granting or reporting my credit is wrong. 

I do not want to fill out a pdf with PII ( name, ssn, dob, etc, ) and send via postal service to Equifax. I expect someone to call me or resolve this online and quickly. Totally disappointing. 

Let me get this straight, So if incorrect information is entered regarding my credit by one of these companies, but I am unaware and can not answer this incorrect data, I am the one burdened to fix this? This is wrong. 

Need to drain this cesspool.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have 6 hard inquiries on my Equifax credit file that I know I didn't authorize these 6 companies to run my credit not did I consent or sign any documents to run my personal information. I filed a dispute complaint with Equifax about unknown 6 hard inquires and this company has failed to perform its duties.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Noticed that an interest charge was showing on our monthly statement. Found out that the advertisement on our phone app for AMEX showed that we could pay an amount of our balance due prior to a certain date. This was something new that was added to the app. However, the date was the same as our total amount due date. The advertisement is super misleading because it made me think that the balance due and total amount due were different dates, and as long as I paid the amount by the total amount due date I would not in-cure interest. This makes the consumer think they can spread their payments over 5 weeks instead of the actual 4, that was what I was doing before they started advertising the balance due option.
Consumer complaint received 2020-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc (FL)

Since the dawn of ages I have had issues with PayPal. I have had multiple issues within months of each other, last one them holding over 5,000 $ in my account not letting me spend a dollar until they deemed me eligible even though I had verified myself and done all necessary steps into lifting the limitation off of my account. Had to call my lawyer to resolve and they finally did. 
I rarely use them but Im having issues with my new bank account where they let me somehow overdraft XXXX . 
I am using PayPal again, receiving payments, borrowing what I can when I can from friends and family during this hard time in the world, and I usually transfer the funds out onto XXXX, my other Prepaid banking card as I never have issues with them. 

Well its been going on 48 hours of my money being on lockdown from PayPal and I have tried messaging them and I can not get through to one person at all. I dont know what I need to do but I dont have any money and its all in PayPal. I want to withdraw my funds and close the account down as I am done with them but they wont even let me close the account. 

I need help as soon as possible as we have no food and nothing to get by on until this is over and I get back to work!!!
Consumer complaint received 2024-05-17
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. (IN)

XXXX XXXX XXXX Account Number - XXXX I received a copy of my credit report. To my surprise, You are reporting this account incorrectly. This collection account is reporting as XXXX. According to the FCRA I have the right to an accurate credit report. Please remove this account from my credit report immediately. Please provide me a copy of my new credit reflecting this account removed upon complection
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I deposited a check from a family member via mobile deposit on the Capital One app. The funds were supposed to be available on XX/XX/XXXX. The check caused a restriction to be placed on the account. I called on XX/XX/XXXX and the restriction was removed, but the funds will be available on XX/XX/XXXX. My rent is due on XX/XX/XXXX, and this will cause my check to not clear in time, and this is due to Capital One 's restrictions on the account. I have cashed multiple checks from the same person for varying amounts, with some also triggering fraud/verification alerts. In the previous 90 days, I have cashed checks from the same family member on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX, and XXXX XXXX. Each check I depend on for my living expenses, and I hope that Capital One notices that the same person sends checks each month for my living expenses. It is a major inconvenience to have to call to verify each and every check that I get and it has major implications on my everyday life and causes unnecessary hindrances, including late fees and threats of eviction that total more than a day 's wages.
Consumer complaint received 2022-03-02
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. (AL)

I am showing 2 derogatory accounts on my credit that I have disputed in the past with all three credit bureaus. The only credit bureau that continues to report the accounts in question is Equifax. Equifax has blocked my report and refuses to report a score for no reason other than a previously reported identity theft to them. Also with the accounts that are in question both accounts have incorrect information the XXXX XXXX  leasing was found not even to have my Social Security number these were a result of ID identity theft. When XXXX XXXX credit leasing was questioned they originally admitted that they had my social as ending in XXXX, ( I do not have the account number but it is included on page 23 of 36 on my credit report attached ) this is not my social and all of the information on the application was incorrect did not match me it was a result of identity theft. The next account coming from XXXX XXXX XXXX I have disputed on several occasions. XXXX XXXX XXXX continues to reseal this information to different debt collectors after they have been advised that this was a fraudulent account as a result of identity best. XXXX XXXX XXXX has been negligent in selling this information to now professional account services. I just disputed the same bill on multiple occasions from two other debt collectors that I had to dispute and have the same account removed for {$150.00}. This has been a burden and Equifax has been the only company to continue to violate the law by reporting these items even though I have supplied them on multiple occasions with disputes and police reports showing identity theft.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2022-03-01
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I currently have a mortgage with fifth third bank and I am in the middle of getting my mortgage refinanced elsewhere. It was supposed to close in XXXX. FHA needed some extra verification on a few things and once it was confirmed that we would not be closing in XXXX, I went in on XX/XX/XXXX to make my payment in cash. My mortgage was due on XX/XX/XXXX. My payment is being reported as of the XXXX and is being marked as 30 days late on my credit ; despite being made within 30 days on the XXXX. Currently, this reporting has pushed my refinance 1 month back and will potentially another month because they are not wanting to remove the late payment marking despite being made within 30 days. I have tried communication thoroughly in branch/through customer service ultimately leading me to a direct contact with an employee who manages credit reporting within fifth third. While my in-branch experience was great, they do not have control over the backend management of this case. The people actively managing my case are refusing to budge/remove this reporting despite being incorrect. 

Attached is the receipt I was given for my payment on my mortgage that was done on the XXXX.
Consumer complaint received 2020-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

I do not owe XXXX this debt I switch carriers and and the remaining phone bill was paid this amount is false I been with XXXX for 13 years until they started adding false charges on my statement I was offered a plan with XXXX and my lines carried over and the remaining monthly charges was satisfied as I inquire about my payment they can seem to locate me in there system
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Mercedes Benz Financial Services (AL)

I applied for an auto loan on or about XX/XX/2022 on the XXXX, AL Mercedes-Benz website , and no one can locate it to give me a status as of today, XX/XX/2022. As personal information was inputted, I am concerned that XXXX XXXX XXXXXXXX, AL has compromised my personal information. The salesperson relayed that both managers can not locate my application even though I received confirmation that it was submitted. I am concerned -- where did my information go?
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

On XX/XX/XXXX, Capital One stated they would pay off my loan with my previous lender within 7 days. Rather than actually do this they called back on XX/XX/XXXX repeating the same information that they wound then payoff my loan within 7 days even though they previously stated it would be done previously. Then today XX/XX/XXXX, my previous lender stated they never received the payoff. Now two lenders are trying to make me make payments for the same car. 
When I call capital one finance for auto it states no one is available and to call back the next business day. 
I can not resolve this issue as capital one refuses to let me speak to them. 
Capital one did not fulfill their promise to payoff my loan and mislead me.
Consumer complaint received 2020-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MO)

Over the past one-two weeks, we have been receiving over four phone calls a day from Discover Financial at XXXX. When we pick up the phone all we hear is silence. Given who is calling and how they're calling, I assume they are trying to collect a debt via phone harassment. Nobody currently living in this household, using our number, owes any debt to them. I called them and told them to stop but they have not.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Recently, when I reviewed my credit reports, I discovered two accounts that I did notrecognize : XXXX XXXX ( Account Number : XXXX ) and XXXX  ( Account Number : XXXX ). I recall losing my walletyears ago, which contained my driver 's license, social security card, and credit card. Isuspect thatsomeone might have used this information to fraudulently open theseaccounts. I need assistance in removing these unauthorized accounts from my creditreport.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (IL)

I purchased an item from XXXX clothing company in XXXX. Due to very slow delivery I received the item the same time I got a statement from the store credit card. I immediately sent the item back to the company and did not pay the bill due to the fact that the item was returned and that was the only item on the statement. I recently received a new statement with the previous purchase amount and an additional fees. I only owe for current amount in XXXX which is {$40.00}. There should not be an additional {$50.00} in fees to the account. I also asked for account to be closed with proof. The company refuses to correct bill and close account.