davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On 2 separate occasions ( XX/XX/2018 & XX/XX/2018 ) I have submitted letters asking Transunion, XXXX and XXXX  credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (CA)

On my drivers license report check it indicates that I was sanctioned for vehicular homicide but that is incorrect. The charge was " XXXX XXXX XXXX XXXX '' as no one died in the incident and this can be verified by iowacourts.gov website and the iowa court system. I would like this fixed as XXXX XXXX is a lot more serious of a charge and implies that I am a XXXX even though I have never XXXX   anyone. Thank you. The control number is XXXX.
Consumer complaint received 2019-02-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (OH)

This debt showed up on my credit report under a company named XXXX XXXX XXXX XXXX. The partial account # XXXX. The Original creditor is XXXX XXXX Of XXXX XXXX. This is not my debt at all. Never went to school there. I disputed this though Experian. My dispute Report # XXXX and on XX/XX/XXXX, they told me that it was verified as accurate, which can not be the case because I never went to school there and this is not my debt. This is however hurting my credit report and my score and hurting my process of buying a house. The amount of this debt is {$260.00}. This account was opened in XX/XX/XXXX in XXXX XXXX MI. I however live in XXXX OH. And at the time of this situation i was currently incarcerated and it was impossible for me to enroll into that or any other school.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO. (AZ)

I purchased lights with my XXXX XXXX Credit Card which is backed by Chase Bank. I made the purchase XX/XX/XXXX. I had issues with Chase so I closed my account, ( paid in full ) around the first part of XX/XX/XXXX. The lights did not work so I returned them. I called XXXX today, XX/XX/XXXX to  find out what happened to my refund and was told it went back on to my account that no longer exist. I have been on the phone with Chase and XXXX for 57 minutes today and my problem has not been resolved. Neither have decided to refund my money.
Consumer complaint received 2023-08-11
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (TX)

Through XXXX XXXX product referral, I applied for a Wells Fargo Platinum CC with a 0 % intro rate for 18 months, and an interest rate of 13-27 % at the end of the term based on credit score and income. My credit scores were XXXX through XXXX, XXXX from XXXX, and XXXX from XXXX. WF issues the card with a credit limit of {$1500.00} with 0 % APR through XX/XX/20 and 27 % thereafter. My income annual exceeds the income of 99 % of US households and I have 98 % of available credit across 15 active accounts available. No one at Wells Fargo could explain what the APR would be at the same income and available % of credit with FICO scores differing between 850, 800, 750, 700, 650, etc. I believe that WF falsely advertised the lower 13 % interest rate as a means to trick consumers with good credit history to apply for a credit card that would always be a high interest credit card. Further, I do not believe Wells Fargo is using actuarial or any valid means of issuing credit to risk. I reported the issue to XXXX and XXXX XXXX as well as Wells Fargo. I closed the account with Wells Fargo without ever using it. However, they will be reported as a lender in my report as well as a hard inquiry, adversely impacting my FICO score.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Total Card, Inc. (TX)

I 1st called to close the Total card on XX/XX/XXXX due to annual fee of XXXX and mthly service fee of XXXX. I received an email in XXXX that I owed money so I called them and they said the account was closed. I called again XX/XX/XXXX spoke with supervisor XXXX about account not being closed and he promised me that it would be taken care of. The most recent call I spoke with XXXX a Supervisor who said this would be resolved by Friday XX/XX/XXXX. I got an email today saying that I owe Total XXXX in late fees and interest fees. This is ridiculous I dont understand why this company wont just close my account. Its been 4 months since I closed the account back in XXXX, plus late payments are being reported to the credit bureau.
Consumer complaint received 2019-02-12
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the XXXX XXXX to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX or XXXX of XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the XXXX XXXX. Then, I checked my XXXX XXXX account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to XXXX XXXX and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks XXXX got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to Experian and XXXX. Which they never delivered and they ultimately asked me to do that, too!!!! 
1. I did file a dispute with both Experian and XXXX and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to XXXX XXXX again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should XXXX not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you
Consumer complaint received 2018-03-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (TX)

The credit agency reporting it on my credit report is XXXX XXXX XXXX XXXX But the original creditor is XXXX XXXX XXXX XXXX This was not me, I XXXX it and it said that it was a emergency room in XXXX Louisiana I live in Texas, I have never even been to XXXX before. This was not me.
Consumer complaint received 2022-05-04
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 an account without my written instructions
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/XXXX. 

This happens regularly. 

The account will have some amount of money, and two charges will go through.

The bank will take charges such that they can get TWO overdraft fees.

If I have {$5.00} in the account and there are two charges ( let 's say {$6.00} and {$4.00} ), then this bank will take the {$6.00} transaction first ( balance of - {$1.00} ) and then another {$4.00} ( balance of - {$10.00} ).

If they had taken it the other way around, ( {$4.00} and THEN {$6.00} ), it would have only necessitated ONE overdraft fee. 

Acct # XXXX
Consumer complaint received 2019-02-12
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. (GA)

XXXX had informed me that the my payments were current. A credit report showed that i was in good standing in 4 loans but not the 7 other loans. I called the customer service rep and they informed me that i was late on 10 loans, and that i should consider placing the loans on deferrment.
Consumer complaint received 2019-04-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (IN)

I contacted the mortgage company MrCooper about removing PMI from my mortgage since we around 50 % equity in the home already. They said the only way to get rid of it is to refinance since the loan originated before XX/XX/2013. Then of course I asked about refinancing and they can not give me an interest rate without pulling my credit report with lowers the credit score because of a inquiry. I do not feel this is fair to pay an extra XXXX dollars a month when I have so much equity.
Consumer complaint received 2019-02-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (CA)

This is actually Part 2 to the feedback I submitted earlier this morning after the company finally decided to respond to my original complaint on XX/XX/XXXX. 

MoneyLion takes days to respond to any email. I find it interesting they called ( XXXX ) and left a vm Friday XX/XX/XXXX in the am. I tried to call back later that afternoon and was on hold for several minutes. The menu never offered a " complaint '' department. I sent an email explaining I called back and didnt get to speak to anyone and advised them to email me. 

Yesterday I get 3 back to back calls from MoneyLion or as it says when you call back " XXXX XXXX '' and a vm from XXXX. I could not return her call yesterday. Then I wake up to this response conveniently after I have missed their calls. A whole 2 days and yet they took well over a month to respond to my complaint. 

I stand by what I said. I was told BOTH the membership and the loan would no longer come out of my account. I was NOT able to access my loan via the app after a certain time period. If I clicked on loan, it showed me a pie chart with the loan amount, due date and what was paid-that is all. 

Money Lion claims I use their services. What services? Please do explain how I benefited from this besides the loan? I can see the payment history, loan amount and balance remaining but what else? You say I'm still using your services for which the membership covers ... how? 
I havent logged onto this app in weeks-in fact it's no longer on my phone and hasnt been for awhile. 

I plan to repay this loan off as I did take it out but I will NOT tolerate half truths or MoneyLion trying to conveniently do things to point things in their favor such as finally calling me just days under the 30 days of the complaint and then jumping on here to respond just one day shy of the 30 days from the original complaint to make it seem like I am the one not cooperating. 

I called back XXXX this XXXX. She left the vm with an extension which once again there is NO option for. Spoke with XXXX and told her to have XXXX call me back or preferably email so I can document ALL communication.
Consumer complaint received 2022-08-18
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. (GA)

n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

website on XXXX won't let me view my credit score website on XXXX won't let me view my credit report website on XXXX won't let me dispute my credit report
Consumer complaint received 2019-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RAS LaVrar, LLC (SC)

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX stating that XXXX, XXXX XXXX XXXX had recently recalled their file and has been placed in RAS LaVrar Law Office . 

I received a letter dated XX/XX/XXXX, from RAS LaVrar Law Office attempting to collect. I attempted calling several times with no answer. XX/XX/XXXX, I sent letter asking RAS to cease contacting me. By tracking the number an Alert came up stating that delivery was attempted-no access to delivery location. Received another letter from RAS  on Saturday, XX/XX/XXXX stating that last date for payment is XX/XX/XXXX of {$18000.00} ( which I dont owe ). The following Monday XX/XX/XXXX I was able to talk with someone at RAS and explained to him that I dont owe this amount and that the case had already gone to court. 

I dont understand why XXXX XXXX. ( XXXX XXXX XXXX ) keeps harassing ( with different debt collectors ) me threatening to repossess any property and hold as collateral against meI think that XXXX is being vindictive about everything. Weve gone to court over the matter and a lien is against my property already. What the Court said that I owed was {$16000.00}, plus costs in the amount of {$190.00} totaling {$16000.00}. I dont owe the amount of {$18000.00} because Ive made payments also. How can anyone go above what the Court say and charge something different?
Consumer complaint received 2019-04-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I submitted a payment through my USAA app using XXXX of {$600.00} on XX/XX/2019 to a person posing as a dog breeder. The payment was for a puppy that was never received. I called USAA and filed a complaint with XXXX on XX/XX/2019. USAA told me that there was nothing they could do. XXXX contacted me on XX/XX/2019 stating that they do not offer any protection for payments made through their service.
Consumer complaint received 2019-02-12
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. (MO)

I received an alert that my SSN was used at a location that was not my address to file for a credit card. I was unable to dispute the charge on Experians website. Before I could call it logged me out.
Consumer complaint received 2019-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (TX)

My wife and I are in the process of buying a home and when doing a credit check for a Mortgage we were denied. The representative then referred us to a credit advisor who told us much to our surprise that the biggest thing holding us back was a {$120.00} XXXX ( the cell phone co. ) bill now in collections. I say surprise because when we left XXXX in early 2017 we thought everything was settled, we even had verbal confirmation from one of their store reps that everything was up to date and good. This apparently was not the case. Not only did we have no idea of this debt, we did not receive any information from XXXX or a collections agency. Honestly if it wasnt for the advisor we probably would have never known how damaging this was to my credit. With all that being said I do want to make good on my debts. So I contacted XXXX and told them I want to get them off my credit report and to give me the figure to make them disappear, which was the amount said earlier. XXXX told me if payed in full that it would be deleted from my credit report. I was then told by XXXX to contact the collections agency handling this case. While discussing this issue with the collections rep I was told that it would not be deleted, that the best they could do is report the debt as been paid in full. Something about that just did sit well on my mind. So without paying I called my credit advisor to tell them this scenario. They said with us not even knowing about this debt, not receiving any information from collections, and the denial of deleting this from my credit report, to file a complaint and dispute this case. Which is where Im at now. I am willing to pay any and all debts I owe, but under these circumstances I dont believe this particular debt should be on my report.
Consumer complaint received 2019-02-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

I opened a new Citibank checking account on XX/XX/2018. Part of the terms of the new account was a {$400.00} new customer promotion for depositing $ XXXX in funds to the account and maintaining the balance for 90 days. I did this immediately, the funds hit the account on XX/XX/2018 and were maintained for >90 days. At that point, I was told by a customer service rep at the end of XXXX that I had successfully fulfilled all of the terms of the promotion and should hear shortly about the bonus. On XX/XX/2018, I received an email from Citi noting that I had indeed fulfilled the terms of the promotion and would receive the {$400.00} in the next 30 days. I waited until XX/XX/2018 and did not see the funds deposited to the account. I then reached back out to customer service to inquire and was told that an dispute was filed and that I would hear back shortly. I still have not heard anything back from Citi and have not received the promotional offer. After searching around the internet a bit, this seems like common practice from Citi.
Consumer complaint received 2019-09-18
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. (GA)

XXXX  ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX   XXXX. ( Please see attached spreadsheet with account number along with pages 7 13 of my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.