davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE Account Number XXXX ACCT CLOSED XX/XX/2016 I have tried numerous times to have Capital One and the credit bureaus ( XXXX, XXXX, XXXX ) to  remove this account that has been negatively affecting my credit rating. I have paid that debt with Capital One and need it to be removed immidately.
Consumer complaint received 2023-10-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (OH)

Me, my husband is in a XXXX  XXXX bankruptcy and the payments that have been made is over {$57000.00} that went towards the mortgage, us bank is paying on the interest and barely paying on the principal, and which interest is supposed to stop after bankruptcy XXXX  XXXX is filed with a payment plan. We send monthly statements, I called to request an itemized statement from the escrow department, we never received it. Only received our monthly statement. I would like an investigation into us bank and how they are posting payments that are sent to them. We want to make sure they are posting the money correctly, accurately. Also there was a Ach that should have been posted to our mortgage account over 2 weeks ago. The electronic payment has cleared, they still havent posted the payment ; along with the trustee from XXXX  XXXX payment plan sent over {$5000.00} to US Bank that was over 2 weeks go that didnt get posted either based on the current statement they sent us. I have attached the most Recent mortgage statement they sent us that didnt add up to whats being sent to US Bank .
Consumer complaint received 2023-06-18
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. (FL)

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best to their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on-time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2023-10-03
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: CITIBANK, N.A. (CA)

I am writing to bring to your attention a pressing matter concerning a recent transaction on my credit card account, which I firmly believe necessitates an immediate chargeback. The details of the issue are as follows : Transaction Details : Transaction Date : XX/XX/XXXX Transaction Amount : {$790.00} Merchant Name : XXXX  Description of Goods/Services : Unauthorized charge for services not agreed upon The heart of this matter lies in the unauthorized charge of {$790.00}, which was processed on XX/XX/XXXX by XXXX. I wish to underscore that I did not authorize or consent to this transaction in any form or manner. 

CitiBank has responded with the following : ( I have attached the letter as well ) We respectfully decline your request to issue credit for the disputed {$790.00} XXXX charge that billed to your account on XX/XX/2023. We previously requested that you provide us proof that you cancelled in accordance with the merchants terms and conditions. An example of this proof would have been a cancellation confirmation email from the merchant. Because valid proof of cancellation was not received and due to the length of time that has elapsed since the charge first billed to your account, we are unable to assist you further through the dispute process. You will need to seek alternate means to obtain a credit. 
Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond.
Consumer complaint received 2023-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (TX)

I received a email letter from Speedy Cash for a missed payment in I never applied or took a loan so I called the number on the email, then after they kept asking for my social security number, I hung up and called Speedy Cash from their Internet provided number, and spoke with a real Speedy Cash employee and was advised that someone attempted to take out a XXXX loan in my name via online application, I believe this was caught due to my phone call. However I have now ( XX/XX/2023 but dated XX/XX/2023 ) received a paper mail debt collection notice that echoed the email attempt at getting a payment. The phone number they requested I call was ( XXXX ) XXXX. I did not and again called the real speedy cash at the Internet listed number. They advised that the previous call for fraud had been recorded and gave me this web sight to report this case event.
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

I bank with Wells Fargo and had an auto bill pay set up to pay XXXX XXXX XXXX automatically every month. 

In XXXX  of this year, I paid off the vehicle and therefore cancelled the online bill pay in XXXX. 

On XXXX XXXX, the bill pay still went through for {$270.00}. I called to let them know and then once again attempted to shut off the bill pay ( I assumed the first payment went through because I did not cancel it correctly ). 

XXXX XXXX was contacted and they disputed ever receiving any payments and told me my account was closed and so the money would never hit the account. 

On XXXX XXXX, another payment of {$270.00} went through to XXXX  XXXX  XXXX. This time I called and told Wells Fargo they needed to cancel the bill pay on my behalf. I also told them that twice now XXXX claims they have no records of these auto bill pays hitting the account. Wells Fargo proceeded to file a claim for me based on the errors and the fact that the two check payments clearly were not being deposited anywhere and were essentially lost. 

For a week and a half there was no correspondence from Wells Fargo but then on XX/XX/19, they cancelled out my claim as a representative at XXXX XXXX now miraculously says they will be able to refund my money AFTER 30 days! For weeks we have been telling Wells Fargo what is going on. There were errors involved and now 6 weeks later we are out of almost {$570.00}!! 

When I became upset with Wells Fargo and the claim representative, she proceeded to talk down to me ( reading a script and talking over me on purpose ) and hanging up on me. When I call back, no one is willing to assist me.
Consumer complaint received 2019-06-19
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)

The reporting agency keeps allowing different collections agencies to re-post the same account. XXXX XXXX XXXX {$1000.00} collecting a debt for XXXX XXXX XXXX XXXX. Well the original creditor XXXX XXXX XXXX XXXX has already sent word to the credit reporting agencies, that the accounts with them were fraudulently put in my name. which were way lower at {$100.00}, & {$250.00}. now its being listed as {$1000.00}. 
This is causing me and my family financial hardship because I am not able to qualify for a house due to this hindrance on my credit report. 
Also Equifax has allowed 2 accounts from XXXX XXXX to remain on my credit even though I sent them and the original creditor XXXX XXXX XXXX XXXX numerous documents and fraud reports proving that I lived in the state of Texas when these 2 bills were incurred in Florida by someone who stole my identity. Which must have included my drivers license during that time because I looked for that old license and was not able to locate it, even though I found all of the others I have had. I plan to also submit a complaint to both the attorney general for the state of Texas and for Florida. It is not possible for them to say the other accounts were fraudulent that were done in my home state but the 2 that's not in my home state are legitimate. I also am seeking the advice of counsel that will notify me of all my options in reference to this issue and how it has had a negative impact on my and my family 's lives.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

To whom it may concern, The client XXXX XXXX who is currently being serviced by Shellpoint mortgage is in foreclosure seeking assistance and we feel as though her file is being improperly handled and also not being properly reviewed by the investor for home retention options. The file has been denied for a failed NPV test in which they are setting the NPV guidelines to something no client would be able to match. This client has an absurd interest rate of 12 % and has asked for a reduction in rate if possible along with an extension in terms as the client experienced a loss in income as her hardship and fell behind in her monthly payments to the lender. We are asking the file be reassigned and reassessed as we feel the client does qualify for assistance at this time. 

Thank you
Consumer complaint received 2024-02-11
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: Atlanticus Services Corporation (OH)

XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX music festival made withdraw not planning on booking event, ,card company is not trying to give me my money that is due..
Consumer complaint received 2023-02-21
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. (GA)

n accordance with the Fair Credit Reporting act XXXX XXXX violated my rights. 

: XXXX XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXX XXXX Account Number ( XXXX ) : XXXX XXXXXXXX XXXX Account XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX. Account Number ( XXXX ). 


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 2019-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (LA)

I owed Conns {$1600.00}. The account went into collections and was serviced by XXXX. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement on XXXX19. It stated it would take 30 days for my credit report to reflect it. Well Conn 's is now reporting on my credit report that I now owe {$330.00}. 
So I called XXXX. They stated they submitted that they payment agreement was paid in full to Conns and that I need to contact Conns. I called Conns and spoke with XXXX, # XXXX. She said that I paid XXXX, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with XXXX, not Conns. So I still have a balance due with them. XXXX was acting on Conns behalf in this matter!
Consumer complaint received 2023-10-17
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: U.S. BANCORP (OH)

I was told by US Bank XXXX that I qualify for early lease turn in, XXXX. I called and spoke to a person at the US Bank XXXX XXXX department. He went over that I qualified for the early lease turn in. The agreement that the vehicle would be picked up at my residence, the remaining lease payments would be waived, and I would receive XXXX payments within 60 days after the vehicle was taken. I thought about it and called back the beginning of XXXX and agreed to this. I asked if I would be charged a payment once I agreed and they said no. I asked several times if I would be charged and he said no. I made Auto payments for almost 3 years and the auto pay can not be turned off online by me, so the person I asked would have had to turn it off. The auction company called and told me a person would be calling me to pick up the vehicle at my house. XXXX at XXXX XXXX called and we set it up for pick up and I told him I would meet at XXXX so it would be easier for them to load the car. After XXXX cancelations on their end, a driver called on the XXXX of XXXX and I met him at XXXX. I saw on my banking statement on the XXXX of XXXX, US Bank charged me. I was not expecting that since I already purchased another vehicle, still had insurance on the truck even after it was picked up. I called US bank back asking for the refund on that payment. They said that was unfortunate, but I would have to wait 60 days. I stated I though that was 60 days for the XXXX payments, but I was not expecting the XXXX. I called back a total of XXXX more times and on Friday the XXXX I spoke with someone, and they put me through to a manager. Her name was XXXX and she said she was escalating this, and she agreed I should get that payment sooner. She said the service person reading me the agreement should have turned off the auto pay on their end. She said she was going to submit the ticket and call me back Monday. She also said if I didn't get it resolved on US Banks end to dispute with my bank. No call on Monday, but I called back on Tuesday XX/XX/XXXX and the person who I spoke with read notes that I was XXXX receive XXXX payments in 60 days after the sale of the truck at auction. She never said anything about what XXXX said and also said she never heard of this person. I went ahead and disputed with XXXX ( my bank ). I feel this has been happening a lot with US Bank XXXX and after reading reviews from other people, US bank should be accountable. I've made auto payments for almost 3 years ; I was never late. They made money off me and sold the truck for a profit. If I was late, I would have had to pay late charges and interest. I feel they made an offer for the early lease turn in, they should abide as agreed.
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

On or about XX/XX/2019 I went on line to get my free annual credit report from EQUIFAX. tHE REQUEST WAS VERY DIFFICULT TO FILL OUT AND AFTER i WAS DONE THEY STATED THAT i HAD TO SEND THEM 2 i.d . 'S AND ALL SORTS OF OTHER THINGS. 2 weeks later I again tried this time ( 5 weeks ago ) over the telephone and I am still waiting on my free credit report
Consumer complaint received 2023-04-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Account Resolution Services ( ARS ) is violating my rights under the NO SURPRISE ACT of 2022. I have a medical bill that a provider is claiming is out of network which is not accurate. Furthermore, they are charging me without my prior authorization. 

XXXX XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (NJ)

I had a fraudulent transaction that I reported to chime where my card was used. Instead of doing a diligent investigation and getting evidence to support that this transaction was legitimate they denied my chargeback. 

I have banked with this company for years and never once filed a chargeback and when I finally need it because I am a VICTIM they do nothing for me
Consumer complaint received 2019-06-19
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. (TN)

Contacted XXXX, Experian, and XXXX to file a dispute regarding the information on my credit report. I disputed a bankruptcy and hard inquiries. I asked for information on how the credit bureau verified the information they were reporting and they declined to provide that. I requested the credite bureau remove the information they are reporting regaring a bankruptcy and 4 hard inquiries from my report since they can not provide documentation of how the information was verified
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo Dealer Services changed the due date multiple times during the loan without my knowledge. It was changed on XXXX. This resulted in several late fee penalties incurred. My payments were reversed without my knowledge. These dates XX/XX/XXXX, XX/XX/XXXX ( 2 payments ), I was charged a returned payment fee of {$30.00} on XX/XX/XXXX on a payment they reversed and late fees after the reversals. Because of the deferments that I did not authorize it has extended my payoff schedule. The balance due is more than what it should be. I have made 61 payments as of XX/XX/XXXX based on the printout they sent. Those payments total {$30000.00}. Per my contract, the total price paid after all payments are complete is {$35000.00}. My balance as of XX/XX/XXXX was {$7000.00}. I have 11 more payments of XXXX which would only add up to {$5400.00} if the entire payment went to principle which it will not. There is a huge discrepancy in the numbers. The late fees that were added were paid with the next months following payment. My paperwork from Wells Fargo has a loan maturity date of XX/XX/XXXX so I'm not sure how I have so many months left to pay and a balance over {$7000.00}.
Consumer complaint received 2019-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Contacted XXXX, XXXX, and transunion to file a dispute regarding the information on my credit report. I disputed a bankruptcy and hard inquiries. I asked for information on how the credit bureau verified the information they were reporting and they declined to provide that. I requested the credite bureau remove the information they are reporting regaring a bankruptcy and 4 hard inquiries from my report since they can not provide documentation of how the information was verified
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2023 my wife and I went to the XXXX XXXXXXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX NC. We made a deposit of XXXX When I got home, I log into my account and I could see the deposit. On XX/XX/2023 I log into my account again and the deposit was gone. The account did not show a record of the deposit it only showed the XXXX withdrawal that made at the same time as the deposit. I called Chase Customer service after talking multiple people, I was told I need to go the branch where I made the deposit. I went the branch and spoke with the teller he remembered me and my wife and us making the deposit. I spoke with his supervisor she also remembered us. The supervisor went into the system and tried to find the deposit after a few minutes she asked me if I could sit down and she will continue to try and find a deposit. After about 30 minutes, she came to where I was sitting and said that she could not find the deposit and she could not find the check. She then asked me if I could wait till the end of the business day to see if she could find the deposit. Meanwhile, my wife called and spoke to the branch manager, which said that they would try and find the check had been sent to central district somewhere, and that the check was not lost. Where I come from if you dont know where something is there it is lost. I was led to believe that the sorting area where the check was sent to was a local XXXX finding out that it was out of state, and it will be days before they could even begin to look for the check. I am out of XXXX from where I can see because you dont know where the check is and the money is not out is not in my account. I was not given a timeline on when I should speak with the issuer sure about putting a stop payment on the check as a matter fact,
Consumer complaint received 2019-06-19
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. (TX)

XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX XXXX  XXXX Unauthorized charges successful icon XXXX sent ftc violation