davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (OH)

I had a XXXX XXXX XXXX checking account and had sold a phone online and was paid with a cashiers check in which I deposited into my account and it had cleared with the available funds. This was in XXXX of XXXX. In XXXX of XXXX I also had a XXXX XXXX   checking account that became overdrawn and fees piled up from my ex wife using my card. I also had a checking account with US Bank in XXXX of XXXX that has the account closed and labeled account abuse for I have no idea why. I have a XXXX XXXX XXXX   account on my report that was closed in XXXX of XXXX, because again, I sell things online and received a cashiers check that apparently never cleared. I also have multiple banks with inquiries under my name and social that I never requested, such as XXXX in XXXX of XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, the XXXX XXXX XXXX in XX/XX/XXXX as well as XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX installment XX/XX/XXXX. All of these transactions were done without my knowledge and not by me.
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AL)

I have been contacted by convergent in regards to a collection account that is supposedly owed by me. I have yet to receive any type of legally binding signed contract that the debt is mine. There is no contract that this debt is owed by me. Out of good faith, I agreed to pay a small amount towards this bill until this issue is resolved. The first payment of {$30.00} was deducted on XX/XX/XXXX. I am requesting this debt be validated by a signed contract.
Consumer complaint received 2019-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

XX/XX/2019 @ XXXX AM XXXX i sent {$600.00} of US money converted to XXXX XXXX XXXX on PayPal to a XXXX seller by the name of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX i sent the money and confirmed a scam after he blocked me on everything and sent fake reciepts, he even made me money gram another {$500.00} cash
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My Equifax report now has a new derogitory remark on it that was not there before due to me paying it off.. I payed the debt off and all XXXX agency removed it and raised my credit but now only Equifax has it on it again and I do not know why.. I have tried to call but I have gotten the run around. Transferred here and there told ro call this and that number. I called the original creditor and they state that they did not report it again and that they have nothing to do with me anymore as i owe them nothing. I would wait but it just reappeared after months of ahowing payed off. Please help
Consumer complaint received 2020-12-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is now my EIGHTH ( 8TH ) COMPLAINT about the Bank of America refusing to grant us a reduction in our monthly car loan payment to {$500.00} from {$770.00}.

Yet the Bank of America as you notified me today is late in its response! There is absolutely no excuse for this! The Bank of America should be heavily fined! 

I was told by Mr. XXXX of the XXXX, New Jersey branch that the Bank of America orally will permit us to pay {$500.00} but that it will not put this in writing! 

I am an attorney-at-law ( ret ). Agreements of this kind to be enforceable must be in writing. 

The Bank of America is being dishonest! 

And it even threatened to take us to court and to repossess our car despite our dozens of emails, letters, and telephone calls, including several letters to the President of the Bank of America in XXXX, North Carolina who has not had the courtesy or decency to answer us! A rude dude!
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (AZ)

On XX/XX/XXXX I loaded XXXX dollars onto my American Express card card and did not realize until I got my statement online that my money was deducted from my card that when I looked and saw that I did not have my card in my possession I called the company and they sent me a PDF file fraud documents to fill out but I don't have a computer and my phone does not have what needed to fill out and upload and I ask three different occasions if they could take over phone or send bye mail or email address so I can send this back and they kept telling me after explaining that I don't have a computer or a way to get to the library or money to fax im on a bus and have no cash except XXXX cents it has be back to them in two days I won't be anywhere to fax or use computer until the XXXX of XXXX I really need my money back it was not me that used the card nor does anyone have permission to use my card
Consumer complaint received 2023-07-12
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. (TX)

In accordance with Fair Credit Reporting Act, 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 XXXXXXXX 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 2020-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NJ)

Amerifinancial Solutions claims I have a debt of {$540.00} from XXXX XXXX. They placed the debt in the derogatory marks in XXXX, XXXX and XXXX. I have no such debt and they have not supplied me with proof. I had them removed from XXXX and XXXX. I submitted a complaint to them through XXXX and they were not removed. They have not supplied proof of this debt. They need to stop reporting this to XXXX.
Consumer complaint received 2019-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I missed a payment on my Synchrony Bank issued Walmart card because of my monthly payments were delayed from Hud because of the Government shutdown. The company used this to close my Lowes account even though I have never missed any payments on that account. This unfairly affects my credit score.
Consumer complaint received 2019-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (IL)

I have a second house in Florida that % 80 paid off and have a sufficient flooding Insurence already, the mortgage company asked to have the renewed policy and charged me right away for Insurence they bought for me though I have an active insurence without give my Insurence anytime to send them the proof.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My loans were in forbearance until the month of XXXX. In XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX has not reported since XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.
Consumer complaint received 2019-02-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2019, Equifax received my dispute of account number XXXX, {$660.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Consumer complaint received 2019-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (NH)

I moved into a new home on XX/XX/XXXX. My first payment was due XX/XX/XXXX through XXXX XXXX home mortgage which I paid. XXXX XXXX sold the mortgage to Provident Funding thereafter. I have a 60 day grace period to make my first payment to Provident so technically it was not due until XXXX. I made a payment to Provident on XX/XX/XXXX anyway and then created online autopayments on XX/XX/XXXX. My understanding is that the autopayment would be for the next month since I had already paid for the month of XXXX. Provident Funding debited my checking account twice on XX/XX/XXXX. I asked for the second payment to be refunded and they told me they could not do this without seeing the balance in my checking account. I don't feel that this is relevant information, Provident should not need access my checking account details to refund money that should not have been debited for another month.
Consumer complaint received 2019-04-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I began a checking account with Citizen 's Bank at the beginning of XXXX. On XX/XX/XXXX I checked my balance and saw a debit for {$1900.00}. I immediately called the bank to inquire and they notified me that this was taken out of my account to pay for a student loan that I have with them. The loan was taken on XX/XX/XXXX through Citizen 's Bank. I did not graduate undergraduate school until XX/XX/XXXX. I spoke with a supervisor named XXXX who told me that all of this is legal and protocol and that I should've been notified that this would happen but I absolutely never was. They had the wrong address on file for me and a phone number that I nor any of my friends and family have EVER been associated with. Up until today, I have gotten 0 letters, emails, or phone calls about this matter. XXXX told me that I should've been notified but I never was. The woman I spoke with, XXXX, before talking to XXXX told me that these loans don't have to be paid on until I graduate undergraduate school, but XXXX told me that it was defaulted on XX/XX/XXXX, one year before I graduated school. I should not have been taken advantage of this way. I should've been asked or at the very least notified that this would happen. They don't have my correct graduation date, phone number, address, or anything on file for me. I would like this money back in my account immediately and would like to arrange a payment plan to pay this loan off. I am currently voluntarily paying towards my student loans outside of Citizen 's Bank because I want to pay my loans off sooner than later, but had no idea that this one had to be paid off otherwise I absolutely would've been. I check my credit religiously and I would think that if a loan defaulted, it wouldshow up on there but I have seen nothing.
Consumer complaint received 2020-06-06
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Choice Recovery, Inc. (NE)

PCR kept calling me in regards to {$470.00} I owe to Nebraska XXXX University. I had finally answered one of the calls and told them to stop contacting me, as this was around the time the coronavirus pandemic began and I was losing hours at work. I also read that via the CARES Act, debt collectors for student loans are not supposed to contact you. Then they start calling my work and asking if Im there, and then hang up on whoever answers the phone. How very professional. They sent me a letter on XX/XX/XXXX and added on {$210.00} from XXXX  ... never been informed of this debt and so Im going to dispute it. They had the audacity in the letter to write we know you are employed, so you should be able to handle this situation. Extremely rude and insensitive. Everyone is struggling right now during the pandemic and I have bills that take priority over some fishy debt collector business.
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (MI)

Discover currently has a debt listed on my credit bureaus in the amount of {$1900.00}. This debt does not belong to me and is a result of identity theft. I have contacted creditor regarding fraud collections ; however, I have not received a response.
Consumer complaint received 2022-08-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (NC)

In XX/XX/2022 I called One Main Financial. I stated to them I was at a place to pay off the debt I owed in the amount of {$7700.00}. A lady name XXXX ( ID # XXXX ) told me that the debt was sold to XXXX XXXX XXXX and that One Main Finanical did not have my vehicle title. I called XXXX XXXX XXXX and they asked me did I want to pay the debt. I told them before I paid the debt back that I needed to see verification/validation of the debt and my vehicles title before I paid. XXXX XXXX XXXX is saying they don't have my title that the original creditor does and One Main Financial is saying the collection agency XXXX XXXX XXXX. This has been a merry-go-round for the past month. No one can answer questions, no one can provide proper documentation. I went to the XXXX and a paper showed me that One Main Financial was technically still the lien holder. I really need your help!
Consumer complaint received 2019-04-19
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 — Investigation took more than 30 days
Company: Credit Karma (MO)

XXXX XXXX XXXX XXXX in XXXX Illinois will not take the car loan off my credit report. It is paid off I have called them numerous of times disputed it and went up there. The account was paid off over a month ago and when I spoke to the man at the facility about it he hung up after being rude the while time. I have proof it is paid off.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian has several inaccuracies on their credit report, and has no method of correction. When you select to dispute online, you receive the message copied below. When you dial the phone number, there are no options to address the dispute and you are unable to speak with anyone. 

Inaccurate information includes : invalid name, invalid address, invalid phone number The invalid address is associated with a collection account to which I have no association. 

Notice received when attempting to dispute information : This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

my info was used while i was XXXX for two years and an unused account from 2015 was placed on XXXX for fraud which i did mot commit and its stopping me from getting an account which henders my status of life ( i was also XXXX for 5 years as well this is around the time these things began to occur )
Consumer complaint received 2019-02-06
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. (GA)

Per case XXXX your response states that you contacted the furnisher and that they said that their information was accurate. The furnisher responded to the CFPB and stated that their information was indeed false. *******Please see attached CFPB. The furnisher per FCRA has 30 days to submit the corrected information, if they fail to submit the accurate information within the 30 days prescribed under the FCRA and FDCPA they MUST remove the information per law. Being that you are reporting information that is not accurate and unverifiable within the 30 days allotted. 

I opened a case with your company on XX/XX/XXXX, today is XX/XX/XXXX which is well OVER the 30 days allotted for such matters. 

How could your company verify this information with the furnisher if they were still researching this case themselves? Someone is definitely violating the FCRA by either falsifying information or not doing a due diligence check, at either rate : Your company is now in violation of violation of 15 U.S.C. 1692e and 15 U.S.C. 1692g ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Your company knowingly provided information that was false. 

Please remove from my credit report to avoid further escalation to FTC. I look forward to a speedy removal from my credit report. 
Please remove this information from my credit file immediately. 

Thank you
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XXXX XXXX I sent out a dispute letter to Equifax notifying them about the unauthorized inquiries and negative items that are being reported on my credit report. It has been well over 45 days and I have yet to receive any information regarding my concerns.
Consumer complaint received 2020-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Hi, I submitted a dispute with Experian re : 3 accounts. The three accounts are with XXXX, XXXX and XXXX XXXX. All these accounts I asked for a Method of Verification as to how they came to the conclusion that these accounts are mine. 

I sent documentation with certified return receipts and asked for an investigation within the proper timeframe as per the FCRA. 

I have sent several letters and have NOT received any Method of Verification since I have been asking which began in XXXX, 2020. I am tired of this and it is hurting my credit rating. I need these to be removed Immediately as I have followed all the proper protocols as described in the FCRA.
Consumer complaint received 2019-04-19
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. (FL)

We purchased a pickup truck from a dealer and got a financing with high credit score ( XXXX and XXXX respectively ). 
An automatic payment was set up with XXXX XXXX XXXX ( XXXX  ), the financial institution, on XX/XX/XXXX. ( letter of acceptance on record ). 
The loan amount is {$320.00} for 40 months. 
WFS sold the loan and CLOSED the account on XX/XX/XXXX to XXXX XXXX XXXX ( XXXX  ). 
The automatic payment followed through until XX/XX/XXXX. 
XXXX did not report our automatic payment in XX/XX/XXXX when it was paid. The account from XXXX was already closed since 3 months, correctly reported as paid on XXXX, XXXX, XX/XX/XXXX but NOT in XXXX. 
XXXX was paid but did not report it as paid. 
A payment of {$640.00} was withdrawn on XX/XX/XXXX and an additional {$320.00} was withdrawn on that same day for a total of {$960.00}. Have bank statement on record. 
Despite the fact that XXXX was paid for XXXX, XXXX and XXXX, they withdraw more money and reported an unpaid balance in XXXX. 
XXXX has NEVER sent an email, NEVER sent a letter by mail nor has NEVER left a voicemail.