davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc. (CA)

I am writing in regard a debt that was claimed I owe. I received a notice that Diversified Adjustment Service, incXXXX debt collector is collecting a debt that was owed to XXXX XXXX XXXX XXXX XXXX claiming I owed {$250.00} as of XX/XX/XXXX. 
I contacted this company in XXXX about cancelling this service since I am no longer living at this residence. The new tenant move in XX/XX/XXXX. Please advise on how to refute/eliminate this charge.
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (FL)

Purpose of the complaint : This complaint is filed against Oportun for illegally sending me threatening letters to extract additional funds that I do not owe them. I contacted the company about my denial in writing and they persist with this action. Being a XXXX XXXX XXXX XXXX of XXXX descent on social security fixed income, I believe that this company is targeting me with price gauging and elderly victimization. The price gauging is in reference to their adding charges to the loan for the approved XXXX month payment deferral for COVID-19 they extended to me. The elderly victimization is in reference to Oportun never having any automatic monthly debits of {$260.00} returned unpaid for insufficient funds, over the 33 month term of the loan, in spite of my limited income. Added to this, the company urged customers to pay off their loan early without penalty. I paid off the loan earlier than the term date. 
Details of the complaint : In XXXX, my family had a financial crisis, and because Oportun had been sending me loan solicitations for about XXXX years, I decided to apply to them for {$2500.00}. I was surprised when they approved me for {$6000.00} with a {$21.00} fee added for Florida document tax. The total loan amount was {$6000.00} for a 33 month term from XXXX XX/XX/XXXX. I signed a promissory note electronically to complete the contract for repayment of {$8600.00} at a 27.13 % rate. The monthly automatic payment due on the XXXX of each of month was XXXX @ {$260.00} and 1 XXXX. The first payment was submitted on XX/XX/XXXX and paid by my bank on XX/XX/XXXX. This was done exactly each month until XX/XX/XXXX. I responded to Oportuns offer to defer payment for XXXX month due to COVID-19 assistance. This was reflected in extension of the last payment being XXXX/XXXX/XXXX instead of XX/XX/XXXX. The payments resumed monthly on XX/XX/XXXX. But since I had incurred more expense in XXXX for my husbands burial, I decided to pay off the Oportun loan, to lower my debt. Therefore I called Oportun customer service and asked to cancel the automatic payments because I wanted to pay off the loan. The XXXX confirmed that the XXXX and XX/XX/XXXX payment was {$520.00}. The next day, XX/XX/XXXX, I went on the Oportun website and according to the amount on their system, I paid {$520.00} for XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I went on the Oportun website again and paid {$260.00} the amount charged by their system for the last payment due on XX/XX/XXXX. With the XX/XX/XXXX payment, total paid was {$8600.00}. Total repayment of the loan on the promissory note I signed on XX/XX/XXXX, was {$8600.00}. My debt was paid in full. Therefore, I do not owe Oportun any additional funds. Attached are copies of all payments processed and paid by my bank. A document is attached showing a copy of all payments my bank made to Opportun from XX/XX/XXXX to XX/XX/XXXX
Consumer complaint received 2023-01-07
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. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX please 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.
Consumer complaint received 2020-08-05
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: Experian Information Solutions Inc. (AL)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$400.00} XXXX XXXX  XXXX {$1400.00XXXX XXXX XXXX {$5000.00}
Consumer complaint received 2020-08-05
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. (AL)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1100.00} XXXX  XXXX {$400.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$5000.00}
Consumer complaint received 2020-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (VA)

On XX/XX/XXXX I called US Bank because I've been told repeatedly that I could go to a ATM to deposit when there are no machines in Virginia to deposit just withdraw So the bank rep told me to mail my deposit. 
US bank recieved my deposit on the XXXX and the XXXX put my XXXX deposit in the system saying reversal deposit so I called the bank and nobody could see it so I did co browse with 5 different bankers 3 days later XXXX it shows up as a deposit pending I am so disgusted that a banking institution has people working there and giving out wrong info I am suffering behind us bank. I have no food to eat cant pay my Bill 's They told me my money would be available on XX/XX/XXXX I have been told that it would be available in 3 days to 5 days to 7 days to 10 days. I want every call pulled to XXXX XXXX who said he didnt have a contact number I need the bank to stop sending my Bill 's  back when they have my money and I have emergencies I have talked to them o er 25 times and at this point I want all my funds and I dont want to deal with a bank that doesn't know their own policies. This has been a worry situation. Being told lies and caused me pain and my XXXX was racing to a XXXX attack I've been through it cause I'm XXXX
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I recently checked my credit because I want to buy a house and saw inaccuracies in my credit report with personal information. There is a name and 4 addresses that are inaccurate. On XX/XX/20, I mailed a letter to Equifax asking to please make these changes. They did not respond and also did not make any changes.
Consumer complaint received 2022-11-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NBT BANCORP INC. (NY)

I bought a car and the dealership did the loan through NBT Bank. NBT Bank charged me twice for the first month for my car payment. They took {$390.00} on XX/XX/XXXX and {$390.00} on XX/XX/XXXX. After calling XXXX times and not getting the issue resolved, I disputed the second charge with my bank ( XXXX ). On XX/XX/XXXX they charged me a {$20.00} fee for revoking the second payment. I have called XXXX more times. A representative claimed that there was an internal and external payment set up and she deleted the second one. That apparently wasn't true as the XXXX  time I called both payments were still set up. This XXXX  representative claimed the second payment was deleted and I could put in a request to get my {$20.00} back, but based on the fact I've had to call them XXXX times to try to get a normal monthly autopay set up and they can not figure it out, I highly doubt they'll get it together. I want the {$20.00} back and I want confirmation they will just take XXXX monthly payment a month ( they can use the external payment set up ).
Consumer complaint received 2023-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Synovus Bank (GA)

I was charged 2 overdrafts for my account going in the negative. The issue being that it overdrafted based on pending charges while cleared transactions were still in the positive. That has caused a cascade effect that I can now not even pay my electric bill. I tried moving money to my other checking account and I was charged 2 fees for returning money. How can I get these fees returned? I'm going to be without electric and food on XXXX. This started on XXXX XXXX  and it's still ongoing.
Consumer complaint received 2022-11-07
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. (TX)

Someone used my personal information to make unauthorized inquiries. On my credit files fraudulent without my permission with XXXX XXXX, and Equifax. The inquiries XXXX XXXX, XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX All the inquiries took place on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NC)

I was approved for a loan modification last year XXXX. Made all the payments on time during the trial period. I Mailed the signed contract in XXXX XXXX with the envelope they provided. In XXXX they contacted me and said they never received the contract. I faxed and emailed signed contract over to them for a second time. They complained about my signature is not matching and changes to the contract. So I faxed it over again, 2 times in XXXX XXXX, New contract with new signatures and dates. They are now claiming that I do n't qualify for the modification because I did n't turn the paperwork in on time. However of until just a week or so ago it was showing them still available on the electronic on my account. Why would I make the payments and not turn the paperwork in? Why would they Continually contact me about the " missing '' paperwork if they were n't gon na let me qualify for the modification? Now they are threatening foreclosure again.
Consumer complaint received 2020-09-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX : ( XXXX ) XXXX Dated : XX/XX/2020 To Whom it May Concern : On or about XX/XX/2020, I notice a inaccurate collection account on my credit file from Caine & Weiner. I immediately made contact with Caine & Weiner and notify them that I have no knowledge of this dept and I am requesting validation. I did not received a letter or a phone call from the original creditor or Caine & Weiner prior to this dept appearing on my credit file. Instead of Caine & Weiner producing the documents requested, they went ahead and updated the information on my credit file on XX/XX/2020, stating that the dept belongs to XXXX. This is a clear violation of the FTC, CFPB and the FDCPA. While speaking with the representative on XX/XX/2020, I requesting the documents, the rept gave me another name stating that company was in charge of the dept of my file which turns out to be Caine & Weiner. The rept tried to provide false information to me. 
I requested : On XX/XX/2020, I requested following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

To date, I have not received any documentation from Caine & Weiner that was requested. This is a clear violation of practice. 

Respectfully Submitted, XXXX XXXX C/O State attorney General Office XXXX XXXX XXXX
Consumer complaint received 2024-02-26
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. (TN)

Per the FCRA, as a federally protective consumer, I am now opting out any and of all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal per 15 USC 6802.

THE PRIVACY ACT OF 1974 ( 15 USC 1611 ) Criminal liability for willful and knowing violation, whoever gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year or both.

( 15 USC 1681 ) Accuracy and Fairness of Credit reporting ; IT IS ILLEGAL TO REPORT TRANSACTION HISTORY ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( 15 USC 6802 ) Obligation with respect to disclosures of personal information.

( 15 USC 6805 ) The enforcement of the regulation prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission, with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

THE CARD WAS CLOSED IN XXXX WITH BALANCE CREDIT IN FULL AND THE CARD IS STILL CHARGING FEES IN XXXX. THERE WAS A DISPUTE WITH THE MERCHANT THAT WAS CREDIT IN FULL IN XXXX. THIS CARD SHOULD NOT STILL BE CHARGING FEES. THE CARD WAS CLOSED IN XXXX. THIS IS RUINING MY CREDIT AND IS NOT FAIR PRACTICE.
Consumer complaint received 2020-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (CA)

In XX/XX/2018, while in the XXXX XXXX XXXX at XXXX XXXX Hospital in XXXX XXXX, attending my extremely ill daughter ; this company continued to call me and offer to help me with a loan. The NEVER, explained tbat I would pay 4 times what I borrowed. After paying them well over and above what I borrowed, I called to ask why my balance is so high? Their response was I am not paying down my balance only parts of interest. I stopped paying by changing my bank account. Now, I want this company to remove this monthly statement of late payment to them when the account is closed. For two years they are waiti g for a month 's payment
Consumer complaint received 2020-09-27
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. (IN)

I've spent 2 yrs cleaning up my credit report. On or about XX/XX/20 my transunion score dropped 81 points. The changes were my balances decreased by {$45.00}. My utilization went from 18 % to 4 % ..I have serial messages sent to transunion with no explanation whatsoever. They finally sent me a message saying my employment was updated. From my research your employment has nothing to do with your score. This has happened before with XXXX. My score dropped 101 points with no changes at all. Several people I've seen online are having the same problem.what doesn't make sense is it took me forever to get my score over 630-640. When I finally did. That's when they hit me with the drop.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

Hello, for the past year or so I have been getting letters attempting to collect a debt from XXXX from the resurgent companies of debt collection including, LVNV Funding and Resurgent and now XXXX and XXXX the XXXX law firm. I have disputed all these attempts and sent verification requests which have either been ignored or once they sent an alleged copy of a monthly statement and have repeatedly ignored my requests for actual verification of debt and their legal ability to collect it, including an original contract, a purchase agreement for the debt from the original creditor, and more against the fair debt collection act. It seems that after I request verification they just transfer it to another company within their network to avoid the verification request or send not up to power verification. 

This is my last attempt to stop this harassment before seeking legal remedy for violations of the fair debt collection act. 

I would appreciate your help to stop this illegal collection techniques and efforts. 

It says the original file number is XXXX
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (MI)

Chase Freedom XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, United States. Phone Number : XXXX XXXX XXXX. Everytime everyday try to use chase it is shut off after XXXX chargers. Declined everyday everycharge harassed with XXXX follow up calls to update everycharge as valued or not. Ftraud alert on every cjharge everyday shout down. Use credit to survive in hard times. I am XXXX on very low inciome. Shut new o nes in mail.
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (TX)

i activated and created an account on the website XXXX   which is own by blackhawk center and i am unable to log in to the account. when i try to reset the password i get this message " Oops. We're unable to process your request at this time. Please try again later. '' i have called the number provided on the website and i am told that i would receive a email with a link to reset the password but the email is never send. i have money on this card that i am unable to use because i can not access my account.
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (VA)

Filed dispute on a fee for {$110.00} due to funds sent in error to an unknown source. I alerted NFCU of this error, and they opened up a dispute, however, denied because they said that the error was my fault. They also stated that they will not credit me back the lost funds and have never done so for any member ever. Is there a way to prove this is correct as I have mentioned this case to others and they have received a credit back. I have since closed my account with NFCU due to the lack of member support I received in the matter.
Consumer complaint received 2020-06-18
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)

I am writing this due to non-compliance with the CRA ( Equifax ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information.They wrote me back on XX/XX/2020 ( Confirmation # XXXX ) and said that the trade line was reporting accurately. I do not believe that they did a proper investigation in this matter.