davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (WI)

Theres been a problem with inquiries on my report that I did not do they had no permission to use my name to file these inquiries and they cant provide my application or signature for the verification
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (PA)

Citibank routinely offers me an option of " equal monthly payments '' for purchases on XXXX, at 6.74 % for a specific amount of months, typically 3 or 6, depending on the total purchase price, on my Citi Diamond Preferred card. The issue is that I already have a 0 % rate on all purchases on my Citi Diamond Preferred card, through next summer ( 2022 ). Therefore, Citi and XXXX 's joint financing " offer '' is misleading and fraudulently entices misinformed Citibank customers to opt in to what appears to be a special interest rate that's lower than the customer 's normal purchase interest rate on their Citi card, when in fact it could be higher than their existing rate. This fraud is unacceptable and the CFPB should investigate and end this collusion between Citi and XXXX.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NV)

Hi - I saw a {$95.00} fee was assessed on my XXXX XXXX account. When I called to inquire as to the reason, I was told that a banker changed my account type to a Platinum Checking, which I never asked to occur. While the phone representative refunded the {$95.00} fee, when I directed the account be restored to the prior account type, with a {$2000.00} minimum balance, I was told that he was unable to assist and I either needed to call the banker who made the account change without my consent or go in person to a branch to solve the issue. 

This resolution does not value my time, nor did Chase attempt to rectify their error, including the unauthorized change in the account type. As such the account still has not been restored to a Business Complete Checking Account. If I have to spend additional time on this, I would like to be compensated for fixing an issue that is entirely caused by Chase.
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (CA)

we have submitted several request to the courthouse and to the Bureaus about a bankruptcy reporting on my credit. As per the courthouse has advised that they do not report to the bureaus. I writ two letters to the Bureaus advising that they are violating my privacy rights. I am protected by the law and have rights to my privacy. It is Illegal for the Bankruptcy to be reporting.
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

Dates from XX/XX/XXXX to XX/XX/XXXX. They have refused to give me my money back! I have called them on XX/XX/XXXX, on XXXX XXXX and XXXX, 2021. I am getting no relief from them.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (UT)

Jefferson Capital Systems is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this. I was very surprised. They are collecting for XXXX XXXX. I had XXXX at one point but I was unhappy with their service and returned everything and discontinued services with them. I was not told I had a remaining balance, I was never called by them because I did not owe them anything. I have no idea where this came from and it needs to be removed.
Consumer complaint received 2021-08-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Auto Trakk, LLC (OH)

My car was totalled. Was not my fault. The insurance company paid off the total amount that was left on the lease to buy contract. The amount owed to autotrakk llc was {$6900.00}. They were paid {$10000.00}. I was supposed to get the difference of {$3300.00} but now they are saying they are keeping the extra money and will not give it to me. Everyone even my insurance company is telling me they can not do this because my total amount to pay off my lease was only {$6900.00} but they will not give me my money.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (FL)

I have been working with XXXX XXXX for over a year. Every so often they do a back ground through the company checkr. In this case Checkr falsified information about my background by adding criminal charges to my back ground. The name of the person does no match my name, the address does not match, nor does the county of residence match. This is clearly wrong information. I have emailed checkr twice, called once, as well as went trough their " dispute '' process with no response. This has caused me to get fired from my job. I want my report fixed immediately.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (FL)

I was notified on my credit app that a credit card went in collections. I was XXXX with the XXXX to XXXX during the time the card was taken out. Ive sent my orders along with the police report during my dispute. The company has yet to resolve my issue.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i was unable to finish course and had a XXXX XXXX school denied me the right to come back and finish course, therefore was left with the student loan they were going to investigate meanwhile they told me they would freez the account beacuse i had no income. now i see its on my credit report inaccurate and its affecting my livelihood. i would appriciate help with this matter has soon as possible. have this remove thanks
Consumer complaint received 2021-08-12
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: Exeter Finance, LLC. (TN)

The account is EXETER FINANCE. I have been disputing for a year and on XX/XX/XXXX, I sent out another letters regarding this account disputing the accuracy and how the amounts are are reported differently, the dates opened are different and recorded on each bureau, and the dates last active are all reported wrong. While one account is closed on one bureau, while they are still being reported on the other 2 bureaus. It is closed on XXXX But it is still being reported to XXXX and XXXX.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (AR)

On XX/XX/2017, I wrote to CFPB. You all helped me prove to Discover that I wasn't liable for the fraudulent use of a credit card that was illegally obtained in my name. Discover removed the fraudulent use of the card from my credit report, and stopped the judgement. However, the funds from the judgement ( I never received a court summons, because the address used was an address I didn't live at ) where never returned. There was a lien on my bank account and a garnishment from XXXX ( a temp job ). I would like those funds returned. 

Thanks,
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (WI)

This debt has been previously investigated and found to be fraudulent. I have not ever lived in Georgia. I have NEVER had an XXXX XXXX XXXX account. When I researched the XXXX XXXX XXXX account number with XXXX XXXX XXXX they said the account number wasn't legitimate. This debt was transferred to another party who is trying to collect on it again despite it being proven fraudulent in XX/XX/2021. Please refer to my report filed in XXXX of XXXX. This collection agency used information provided in the previous report to add additional details to make the fraudulent claim seem more legitimate.
Consumer complaint received 2021-08-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. ()

I had been buying bitcoin from Coinbase early in the year on a few occasions. On Monday XX/XX/2021 around XXXX, I was transferring all my bitcoin ( BTC XXXX about CAD XXXX ) from my Coinbase wallet to my newly bought XXXX XXXX XXXX After the transfer, my XXXX XXXX XXXX only received BTC XXXX ( CAD XXXX, the same amount being sent out by Coinbase ). My Coinbase account became XXXX and my transaction history has also been erased. CADXXXX had vanished in this transaction. I complained to Coinbase to no avail although they did put back CAD XXXX into my account later. I also complained to FTC and they sent me an email with a reference number on XX/XX/2021, but I haven't heard from them since. To me this is fraud as I can prove that Coinbase had been receiving money from my bank account on several occasions.
Consumer complaint received 2021-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank froze all my money, are refusing to talk to me, blocked all transactions ( deposit, account access, etc ) and are closing my account. I have gone into the branch. I have called customer service dozens of times. I feel completely helpless and tramatized. They never explained to me why they're doing this. I cant file any compliants. They are refusing service. And they are trying to collect a debt from me that doesnt exist. i have been a client with them for 15 years. I have abslutely no debt whatsoever. i have paid all my bills on time. i have been a very good customer. And suddenly all my money and account is frozen. i have extreme XXXX  not being able to look at my statements. i have XXXX  i will be charged late fees for my credit card bills. And i have no idea whats going on with my automated bills, and direct deposits. What they are doing to me is completely wrong and i would like some help.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: OLD NATIONAL BANCORP (IN)

I and my family members opened accounts at Old National Bank on XX/XX/XXXX. They were approved one day, and login blocked the next. Imagine our surprise when we called in and found out that the accounts were closed! What a great turnaround time, less than 24 hours before they approve our account and close our account. We got a letter in the mail half a week later ( around XX/XX/XXXX ) confirming this. 

Now, what's more, we each made an initial deposit of {$500.00}. We were never contacted, either by phone, or by mail, as to the existence of this deposit and how it would be returned to us. The agent on the phone similarly made no mention of the deposit or its return. 

Closing an account is one thing. Although it's terrible customer service, the terms say that companies have the right to close accounts for whatever reason ... sure sure. But companies do not get to close accounts, keep the money, and buy themselves XXXX  or whatever else they've done with the {$500.00} deposits they stole from us. And, as a bonus, pretend that the {$500.00} opening deposits don't exist. 

This is corporate thievery at its worst and Old National should be ashamed.
Consumer complaint received 2021-08-12
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eagle Financial Services, Inc. (OH)

I owe ca {$3800.00} to Eagle Loan Company for a loan I used to pay for my car. Eagle Loan 's local offices are located at XXXX XXXX XXXX, XXXX, OH XXXX ( phone number XXXX XXXX ). I have enrolled in a debt relief program with XXXX XXXX XXXX XXXX XXXX, and they have been informed of this. When I told the loan officer this, whose name is XXXX, he yelled at me to " listen to me, we don't work with debt relief companies '' and I hung up the phone on him. ( I am separated from my family, struggling to handle all of my many debts since then, I am in both XXXX and XXXX  counseling and I don't need to be yelled at by anybody right now. ) I then blocked their number. Apparently this annoyed them enough so that they called my family home 's neighbor, XXXX XXXX, in order to get him to contact me and have me call them. This occurred today, apparently ( Thursday XX/XX/XXXX ) and I get a text message from XXXX at XXXXXXXX XXXX about it. I want them to stop harassing anyone about my debts, or telling anyone about them, and wait for XXXX XXXX XXXX to work out an arrangement with them for me to pay off the debt. I fully intend to pay the debt through negotiation, and am making regular {$290.00} payments to them with each paycheck in order to work out all of my debts - I am just asking for their patience and courtesy.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I shopped around when trying to refinance. XXXX, XXXX XXXX, Amerisave, along with 2 others ... Amerisave had the best APR. So I started the process. {$500.00} application fee? Ok, figured I'd save that with the difference in interest easily. Loan originator told me " that's why I love my job, to beat the rates and compete with the big guys. '' In hindsight, they probably train them with that line. 2 months later, after they were terrible getting back with me via email or phone, they denied my loan due to DTI ( debt-to-income ) being " just off. '' I was refinancing to consolidate some debt. You would think that they may actually offer to adjust the numbers to make the loan work and have a new customer, but NOPE they just simply said " I'm sorry we couldn't make it work. '' Makes me think they are a scam company! Conservative figure of " processing '' XXXX applications a month at {$500.00} a pop ... XXXX XXXX XXXX that's a Mil right there. 

And I noticed that your Bureau fined them for the exact same thing back in 2014. They paid the fine and are continuing with the bait and switch fraud scam!!
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

We have been receiving multiple phone calls from a woman calling on behalf of Convergent Resources virtually every day for months. She is using different phone numbers, and the calls come from near the XXXX Ohio XXXX. We do not owe anyone anything on this earth and when we try to obtain information from her, she demands to know if I am some other person. She then needs information to access our files, which do not exist because we owe no one. When I contacted Convergent in Arizona the same thing happened followed by a hang up. The number in XXXX of the caller is XXXX, XXXX. We have no idea where they obtained any information on us, but we suspect our age is a factor, as we are both retired. After doing research on this company we feel there is a bigger scam going on than debt collection, why else contact people with no debt?. There are also times when they call and no one speaks, finally a women comes on, gives no ID or company name, and starts asking for people.When you question her she hangs up.
Consumer complaint received 2021-07-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

We have had a very good payment record with Nationstar Mortgage, also known as Mr. Cooper, for many years. We have not had an escrow account with them since XXXX. We pay our county taxes on our own with no issues. This year, due to the Pandemic and loss of income, we were making regular monthly payments on our county taxes. When we went to make our final tax payment of {$580.00}, to our surprise we found that the mortgage company had made the payment. We had no idea they were going to do this. We contacted the mortgage company on XX/XX/XXXX by phone, in order to find out what happened and why they did this and also to reimburse them for that amount, which we did. In the phone call we were told that they had created an escrow account, because our taxes were " delinquent ''. They said they had sent us a letter regarding that, which we did not receive. We informed them that we did not want an escrow, since we hadn't had one for many years. They said it was permanent, they would not remove it and that it is for the remaining life of the loan and there was nothing we could do to change that. Our regular monthly mortgage payment has been {$470.00} for years. Now that they have opened an escrow account, our monthly mortgage payment, effective XX/XX/XXXX, will now be {$890.00}, which is basically double what we have been paying for the past 4 years. This doubled payment creates an extreme hardship that is absolutely unfair and unjust. We have been a great paying customer of theirs for many years. They have never had to intervene to pay our taxes since we removed our escrow. I would assume that some basic human decency and customer service should apply here and give us some consideration for this one time situation that occurred during a Global Pandemic. We are requesting that they remove the escrow account and restore our payment to {$470.00}, as it previously was. Thank you very much for your assistance in this matter.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

on XX/XX/XXXX I received a deposit in 2 amounts {$300.00} and {$250.00} like I always do every week on XX/XX/XXXX i was defrauded out of {$3500.00} now I have to fight with them to put my money in an account they had to open because of fraud like why do I have to keep going through this with TD BANK I never experienced nothing like this in my life I have spoken to them over 4x and its still not resolved meanwhile I don't have money to feed my household cause TD BANK Allowed someone to take it from me and now they are holding my money XXXX.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.