davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Comerica (CA)

I received an offer from Comerica Bank to apply for a XXXX. When I logged into my account it stated " You don't have any accounts enabled for Comerica '', although I was able to log into my account. I made 3 calls to Comerica to find out what the problem is. 
CALL 1 : I spoke with XXXX, he asked for my debit card number and the last 4 of my social, and was able to access my account. He told me " your account is in a shuttable status due to inactivity. '' He told me I would need to drive into a local branch ( 50 miles each way ), when I told him I will not drive XXXX XXXX  when this can be taken care of over the phone, he told me to call the local branch number from their site after XXXX XXXX 
CALL 2 : XXXX refused to verify my account with the same information as the previous agent and asked for ( the year I opened the account ) and my checking account number. I provided all the numbers including the routing number. He then told me to drive to the nearest branch XXXX miles away. I asked for a supervisor he refused, I asked 3 more times and was transferred to ( XXXX XXXX, who stated she is a supervisor. She told me " Since you failed the verification you need to call back for another agent. I asked for their corp phone number she refused and told me to call customer service. 
* They have held the money I have in the account collecting interest for them and refusing to assist. This is FRUAD! How much other customers ' money are they holding collecting interest?
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer.

Secondly, FedLoan mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place.

According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer has been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report multiple accounts # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that FedLoan Servicing produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the multiple FEDLOAN Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2020-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (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 2020-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION ()

I have been without my new ( renewed ) ATM Card sinceXX/XX/XXXX  I have sent myriad requests to obtain my new ATM Card. I've been told that it has been sent to me sinceXX/XX/XXXX ( 1st that it would take 15 days, then 30 days, then 45 days ). Today isXX/XX/XXXX and I have still not received it. This is my 2nd complaint to XXXX and my American bank has not responded to your first request.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

I have contacted Lvnv over a month ago requesting validation of debt claimed to owed to them and is negatively affecting my credit report. This company has not sent me initial notification of debt which directly violated my rights as a consumer. This company has also failed to respond to my attempts to provide documentation of debt as previously requested by me. As per the fcra my rights are also being violated as a consumer. Furthermore, I have not done business with this company or have binded my name for exchange for goods or services.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC. (MA)

I was shocked when I reviewed my credit report and found a late mark on my account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

I have a couple disputes with my account ending XXXX with wells fargo and they closed that account and they reverse the claim and added to my account XXXX I was told that if there are disputes on a account the account will not close also this has cause me alot of stress i would like for them to fix the issues and i believe that wells fargo old me money. 
I wish some one can audit they system to see the issue
Consumer complaint received 2022-12-27
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. (MS)

on XXXX XXXX, I went into XXXX XXXX XXXXXXXX XXXX placed a application for a XXXXXXXX XXXX XXXX, through XXXX XXXX, i was told that the loan would be XX/XX/XXXXdays, same as cash. The ring did not fit and needed sizing. I was told that it would take a week. on, XX/XX/2022, i received a Call from XXXX XXXX, the person calling was unaware of payment terms, this made me weary because i didn't want any problems, or any damages to my Credit. I Immediately told her that, if the terms were not as stated, I would like to Void /Cancel account, because i still did not have ring. She said she would get me the facts and call me back. After several conversations with XXXX XXXX XXXX I decided that it was in my best interest to Cancel this Loan, Because no one knew the terms of the loan, they were very Rude, demanding, threatening, unprofessional, while using intimidating tactics to force me into this loan, that i did not want, nor had possession of any items. on XXXX, XXXX, XXXX  I spoke to the Manager XXXX XXXX XXXX, who agreed to void contract, he said if the ring was still at XXXX XXXX  XXXX XXXX he would be glad to Void contract, the ring never left XXXX XXXX and is still there. In XXXX I started back getting phone calls from XXXX XXXX, each time, i would state that they need to talk to the manager, because he told me he would Void contract. Finally, I called and spoke to XXXX XXXX again on XX/XX/XXXX, but this time he had a mean and nasty attitude, and refused to cancel/ void contract as previously stated, so now I need help, because, this company is threatening to damage my credit for a loan, i asked to void before any payments became due, and I never received any merchandise ( the ring )
Consumer complaint received 2020-01-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

I would like to bring your attention to a serious issue I have with Money Gram wires that first took place on XXXX of XX/XX/XXXX. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the fraudster. 
The funds were transferred utilizing Money Gram 's services in the total amount of XXXX USD! 
I would also like to point out that on XXXX of XX/XX/XXXX and on the XXXX of XXXX XXXX I filed a disputes with Money Gram.
Consumer complaint received 2023-02-22
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. (CO)

XXXX XXXX XXXX is still showing on my credit report as of XX/XX/2023. This account status shows up as 30 days late but should say paid as agrees since it was paid off in full. The account was past due when I traded in the car and since it was paid in full, it got stuck in past-due status.
Consumer complaint received 2022-12-27
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

In accordance with the Fair Credit Reporting act Account # XXXX, Capitol One XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I had a fraudulent check cashed from my business account. 10 days later I found out about the criminal act and contacted Chase Bank who referred me over to their fraud department. I was told to fill out a form and then in 90 days they would have a response. I was asked on three different occassions to fill out more paperwork and they finally confirmed they have the all information to have a response on XX/XX/XXXX. After 100 days ( XX/XX/XXXX ) I contacted Chase Bank and they told me to wait another 90 days so they can continue their investigation. After almost 10 months I was told they submitted a request to the bank that deposited the check XXXX Bank and said they are waiting for XXXX to give back the monies. However, when I contacted XXXX Bank they told me that Chase is the clearing bank and they should be paying you back, not XXXX. During the entire time I filed a criminal report with the police and the District Attorney office has told me they arrested the person responsible for this fraud and I gave Chase bank the arrest report and the case number. There is no dispute this was fraud but Chase bank continues to not reimburse me bank for the fraud. It has been over 12 months from when this happened. Please HELP ME it is a lot of money!
Consumer complaint received 2024-03-08
Product: Credit 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: SYNCHRONY FINANCIAL (IL)

it will be XXXX year XX/XX/XXXXXXXX XXXX 2024 synchrony bank has not put XXXX as paid on my account.keep saying going to review it then take XXXX off then adding XXXX back on .this has been going on a year.my bank fax all infro to them i have sent all infro to them 4 times. 
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sams club synchrony bank .bank telephone number XXXX XXXX XXXX XXXX i have their check where they cashed it was taken out my bank account.i have everything to prove it has been paid. please help
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (LA)

Apparently, in XXXX the escrow account for my mortgage increased without my prior knowledge or notification from my mortgage company. I made the regular payment and noticed my credit score dropped in XXXX. Mind you, I have pridefully increased my credit score by almost XXXX points to secure funding for a XXXX that I want to buy in the community that I live in. I called the mortgage company to inquire on the late payment and they said that my payment was {$50.00} short, and they will not remove the late payment from my credit report.
Consumer complaint received 2022-12-27
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. (KY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (LA)

Apparently, in XXXX the escrow account for my mortgage increased without my prior knowledge or notification from my mortgage company. I made the regular payment and noticed my credit score dropped in XXXX. Mind you, I have pridefully increased my credit score by almost XXXX points to secure funding for a XXXX  that I want to buy in the community that I live in. I called the mortgage company to inquire on the late payment and they said that my payment was {$50.00} short, and they will not remove the late payment from my credit report.
Consumer complaint received 2020-01-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

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 2018-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

Got 2nd mortgage with XXXX XXXX in XX/XX/XXXX, amount owed was XXXX, they sold my account to XXXX XXXX  in XX/XX/XXXX after 16 yrs. I finally paid it off in XX/XX/XXXX, when I got the DEED of TRUST amount showing on it was XXXX after paying XXXX per month for 25 yrs. you  would think amount would go down instead of up. Not sure whats going on but I would like to know if any one else is having this same problem with SELECT PORTFOLIA SERVICING, XXXX Thanks
Consumer complaint received 2023-05-24
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi (TX)

To start things off, I had no issues with Seedfi in the beginning. Great company and great staff. I have been on their grow plan which means I was paid a small loan while the rest of my payments were put in saving accounts which was to build credit. On XX/XX/XXXX, without any warning, they announced they sold their company and transferred all of our payments and savings to a different company called XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. This new company comes off very unprofessional and shady, the review on XXXX is XXXX star even, and has been sending people back to Seedfi for answers while Seedfi sends us all back to XXXX to get the same answers. My locked savings that I can't even get now because of the back and forth between these two companies is worth more than what I owe. I want nothing to do with the new company that we were all sold off to without warning. They also have introduced late fees and more that weren't even part of the contract.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (FL)

FORTIVA Credit Card. 
Ok I payed This card off a few years ago. I did something with the Bank and this was on the list of late payments. Apparently my account has built up late fees of {$14000.00} Not One call or Email or Regular Mail from them. I payed this off again a few weeks ago. 
What my complaint is I called and got the runaround a few times And the Fact that Nobody from that company even tried to reach out to me. People wonder what drives people over the edge. Well its XXXXXXXX XXXX This.
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

i have two data breaches with experian and have had a heck of a time trying to get them to understand that if they continue to use the XXXX. XXXX or XXXX or any other email attached to my social security number is not helping at all. They are to use the only one that I use now, XXXX not XXXX, as those are a part of numerous fraud alerts with ftc, fcc, doj, XXXX, XXXX. My new email again is XXXX. I can not let you know how important this is as I have been XXXX over the internet over and over.
Consumer complaint received 2022-12-27
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Affirm Holdings, Inc (IL)

I received a text message from this company asking me to run my credit I replied NO. I called Affrim to make them aware and would mark it as fraud. it has now shown on my credit report with an address in XXXX
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (CA)

In XX/XX/XXXX, my family and I went on a vacation to XXXX. While there, we were invited to attend a " free '' presentation to receive some discounts on local attractions. It turns out, we signed up for some sort of timeshare for over {$4500.00}. When we discovered our mistake, we tried to cancel immediately, and this is where the issues have occurred. 

I was told I have to send in a signed copy of the cancellation letter to " XXXX '' via email by XX/XX/XXXX which I did. I also submitted follow up emails XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and never received any response or acknowledgment from this company. 

I made the horrible mistake of assuming it was cancelled. I received no contact from this company for months. 

On XX/XX/XXXX, I received an alert on my credit report that my " debt '' was transferred to a collection agency named XXXX XXXX XXXX for {$4500.00}. I've tried disputing the debt with the credit bureaus and have been unsuccessful in getting them removed. 

Long story short, my credit has been ruined due to this collection amount. It is something that I cancelled within the allotted time, and also something I've never used. I think these two companies are using predatory tactics to steal money from me. And it is unfair that all my hard work trying to repair my credit is all ruined because of these scam artists. 

I've attached copies of the cancellation letter as well as the follow up emails showing that I did cancel this in the proper methods.
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

I am on the brink ( or perhaps even over ) of making enough qualifying payments for PSLF. I have been trying for months to get in touch with someone at my loan servicer, MOHELA, because my payment tracker has not moved in months even though I've been making qualifying payments. I am at my wit 's end, I'm potentially making payments PAST the point where they should have been forgiven. I quite literally can not get in touch with anyone at MOHELA. Not by phone, email, or any other means. I need this fixed immediately. Please help!