davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (UT)

I submitted a complaint and the response the CFPB closed the case on was a blatant lie. They stated that they do not have an option to choose savings or checking and I have screenshots proving there lie. I am still requesting reimbursement for the fees my external bank charge as US bank made unauthorized withdraw from my checking causing {$50.00} in fees. My Credit union has one account number used for both checking or savings and teh radio button on US bank side is supposed to direct it to the correct account. If the radio button is not working that is US bank issue. I have called and US bank did confirm this is a known issue causing customer harm Here is the original CFP details : Original Complaint # : XXXX Specific US Bank Lie : `` The payment you made via web/mobile banking on XX/XX/XXXX, was returned as non-sufficient funds, and reversed off the account. When customers add an external account for payment, there is no option to specify if the account is savings or checking. Since no errors were found in the payment application, we recommend you work with your other financial institution regarding this issue. '' Proof of LIE ( Screen shots ) attached below Please note : I re-made the payment using the same saving setup and they pulled it from checking 's again. 

ORIGINAL COMLAINT : I made my payment using my external Saving account. They withdrew from my checking causing me a late fee with US bank {$30.00}. I was also charge {$50.00} from my external bank America First CU. I have a screen shot of my external account being set up with Saving selected. Please note, this Savings account is used for a different mortgage and gets withdrawn from saving flawlessly as well. US bank has blatantly disregarded the issue they cause and placed me on mute until disconnecting the call when I asked for a higher manager. I was placed on mute and hung up on 2-3 minutes later. Although I have not been reported to the Credit as delinquent, I want my internal US Bank delinquent status removed with US BANK. I feel this is being done intentionally to de-fraud customer and gain late fees on unsuspecting customers. Although it was waived it took a fight to get it waived and they still own me what my other bank charged me {$50.00}.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ME)

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, XXXX, and Experian. 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 XXXX 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.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated (CA)

I have a collections account that shows as derogatory on my credit that I discovered when applying for housing. The collections agency is " CONSUMER ADJUSTMENT CO '' for and they are reporting that it was was opened XX/XX/21 and reported on XX/XX/21. I never was billed from the original debt holder nor have I received anything from the Consumer Adjustment Co. It says it is a medical bill and I have had continuous health insurance for years. Sometimes I have had two separate insurance policies so it is highly suspect that I could have any medical bills outstanding. I have sent Consumer Adjustment Co a request to validate that the debt is in fact mine but there has been no response or any change in the reporting. I was clear that I was disputing the collection so this is clearly a violation of FCRA Section 623. The fact that the debt was never validated and yet they reported it is a violation of FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX. This seems like some unscrupulous practices to collect a medical bill that I do not believe I owe.
Consumer complaint received 2016-02-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I settled the debt and needed the balance to be XXXX on my credit report so I can gain security clearance for my employment. I paid the as debt off on XXXX/XXXX/2016 and received a letter outlining the settlement. My employer pulled my credit on XXXX/XXXX/2016 and I now show a balance past due of {$82.00}. This is the difference of the settlement and the original amount. XXXX XXXX mislead me, provided false information to the credit agency and used deceptive practices to collect more money. In the screen shot of my credit report for this account dated XXXX/XXXX/2016, XXXX XXXX undated my credit report with the balance and shows XXXX as the date for the update after I made the agreed upon payment.
Consumer complaint received 2021-08-28
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. (OK)

XXXX sold my information. I didnt even get a notice that my information was compromised. I had to find out on my own. Then they charged me for credit report and i subscribed to what i thought was credit monitoring. That account has been compromised. XXXX opened account using my info that is connected to two XXXX  numbers and each number has two additional accounts associated with each number. Then they didn't protect my personal info at all then selling it on the dark web. Then tp top it off XXXX XXXX  XXXX sim swapped me and took over my sell phone getting phishing message all from XXXX customer care. My email is hacked XXXX messenger its outta control. Who ever stole my identity is monitoring my credit and making dispute so i won't find out. Its my credit and i wan na be able to access and use it. They also are trying t get settlement money also. Help me
Consumer complaint received 2020-02-09
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 — Their investigation did not fix an error on your report
Company: ERC (FL)

Dear Collection Agency Rep. THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. Provide me with the following : A copy of the original contract you alleged I signed. An accounting of how payments were applied. The interest that was added along with any ancillary charges. Identify the original creditor. Prove the Statute of Limitations has not expired. Provide verification or copy of a judgement if there is one. Provide licensing information that allows you to collect in my state. Per the FDCPA 1692G,  all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
Consumer complaint received 2022-03-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Synerprise Consulting Services, Inc. (TX)

On monday, XX/XX/2022, at XXXX pm they called me from XXXX Called and my mother answered. They did not verify her and assumed she was me and gave debt collector disclosures.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

Since XXXX of 2021 I have applied for the Military Lending Act with American Express. Since then they have been telling my my application is denied to this present day. Reason being that my eligibility does not meet the requirements of being XXXX XXXX at the time I applied. I have provided them documentation of orders that I have been on XXXX XXXX at this time. But after many attempts they keep saying that there is nothing they can do about it. They had no contact number at the DoD to discuss my case with and have been no help. The annual fee is about XXXX dollars for this card and they accepted me opening up the account before they could determine I was eligible for this act. 
I was just wondering if there was someone from the DoD that could inform me why I keep getting denied or someone provide me with a point of contact? Just feel really taken advantage of by American Express. Especially being someone who serves his country.
Consumer complaint received 2019-06-27
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. (WI)

I had an old medical bill that has been paid directly to the original creditor. This debt is still showing on my credit report even after disputing it, and showing proof of payment. I would like you to investigate this or else I will sue the credit reporting agencies for Libel.
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am not sure where this debt came from. There was already a XXXX amount from XXXX bank and i have called and this was already closed out. Now there is one that went to Midland funding in the amount of XXXX which does not make sense to me. I don't own this card either. 

I came to know about this during my refinance of my house.
Consumer complaint received 2022-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-12-18
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

In XX/XX/2020 my lease with GM Financial ended. The leased vehicle was grounded at the local GM dealership on XX/XX/2020. In XX/XX/2020 I received notification from GM financial of the remaining balance due on the account. It included a grounding fee that I believed to be incorrect as the dealership indicated they would purchase the vehicle and I would not be charged a grounding fee. I worked with GM Financial and explained this issue and in XX/XX/2020 I was given a 30 day deferment on payment in order to work with the dealership and continually told that I could defer payment while I worked with GM Financial and the dealership to resolve the issue. However, due to the COVID-19 Pandemic, it was impossible to discuss this with someone at the dealership and I was not able to reach anyone by phone. In XX/XX/2020 I spoke with the agent explaining the issues. I indicated that I would be mailing an initial payment soon thereafter and then setting up recurring payments to take care of the balance within the 12-month repayment window. In XXXX, I was notified by a credit monitoring service of a late payment on my credit. I immediately called GM Financial and was told by the representative that GM did not issue a late payment flag on my credit. I left it at that and continued to make payments, paying off the full balance in XX/XX/2020. I contacted GM Financial on XX/XX/2020 to try and resolve the issue and have the late payment flag removed, however, the agents indicated that they could not do this as the payment was late. The request was made to GM Financial on the grounds that there was significant confusion by the representatives based on the deferments and the fees charged and who the responsible party was for those fees ; the fact that a global pandemic had resulted in closure of most businesses and the inability to discuss this issue with the dealership in a timely manner ; financial impacts to my family due to reduced income ; a clean payment history for the life of the lease ; and the complete payment of all charges and closure of the account. I believe it to be unjust to flag my account with a late payment given all of these factors and I believe GM Financial to be in the wrong given the confusing and misleading information that was provided to me despite my continued effort to work with them and provide them accurate and timely information. I believe that GM Financials predatory nature during a time of global financial instability and their poor training for customer service representatives led to the confusion that resulted in a late payment.
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2022-01-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My boyfriend and I were on a financing auto loan set up by XXXX XXXX with capital one for our XXXX XXXX XXXX. XXXX XXXX said we could not refinance our loan because it was the pandemic and were not working at the time. He said that we could trade in our XXXX and we got sucked into financing a new car- a XXXX XXXX XXXX. XXXX XXXX said they would take the auto loan from the XXXX off our hands and pay it off. He said he sent the check but apparently Capitol one never received it until a few months later, so Im not sure if he lied. Anyways, he ruined my boyfriend and Is credit very bad. Our credit report shows that we were late XXXX of XXXX ( 90 days ) and then it was written as a charge off in XXXX and XXXX. This is wrong. We stopped paying the payments of the XXXX because the dealership told us to and said they had it taken care of. It should not be shown late as we were told its not in our hands anymore. This ruined our credit and I reached out to both XXXX and Capitol one several times. My boyfriend and I would like our good credit back and for this issue to be fixed right away.
Consumer complaint received 2021-05-11
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: Experian Information Solutions Inc. (CA)

This is the sixth time I've attempted to get this mistake corrected I have sent out a multitude of letters and still no resolution whatsoever. There is a name that I am not associated with at all under my credit report and this is attempt number seven.
Consumer complaint received 2021-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Hello I am a user of paypal they said my account is limited and I can not use paypal anymore. They emailed me I violeted rules, when clearly I didn't do anything. Like honestly I didnt do nothing. Many people have this problem in paypal. Now I don't care if I can't use paypal anymore but my concern is how do I get my funds that's still in that account they said I wait for 180 days to get that money. It's my only fund for now. I dont know if PayPal will really email me to claim my funds or they will close my account and run away with my funds. Please help me resolve this. Also I can't contact them by phone or by chatting them in the resolution center. There's no response to them. At first I thought it was a spoof email but it wasn't.
Consumer complaint received 2022-01-21
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. (MO)

I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind.
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AL)

Looked at my credit report XXXX a collection for {$1300.00} from I C system the debt trying to collect is not me I had XXXX / XXXX XXXX in XXXX moved to mobile in XXXX no social security number is required when opening the account therefore someone with same name had the account an it was tracked to me since I had service with the XXXX plus years ago I've requested a contract or something with my signature to verify the information & nothing was presented to me I C system never contacted me or sent a letter to me to for me to ask them for verification of the debt. Ok don't need to see a typed copy with just my name on it saying it's my debt I requesting a contract with my signature in pen ink saying I signed for the service if not please asking to remove the debt from my report
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OH)

In XXXX of this year Simple bank sent me a notification that it would be closing in XXXX and my current account would be transitioning to its partner bank BBVA USA. I was assured that the transition would be seamless. On XX/XX/XXXX Simple bank officially closed and I was given instructions for enrolling in online banking with BBVA. I was instructed to download the BBVA online app and enroll using my existing account information. On XX/XX/XXXX I started the enrollment process through the app. I made it half way though the enrollment process when the app gave me an error message and told me to try again. When I attempted to enroll again I received an error message that my account had already been enrolled and for security purposes had been locked. I was given a customer support number to call to unlock the account. I called twice on XX/XX/XXXX and was placed on hold for about 45 minutes before being disconnected both times. I attempted to call again on XX/XX/XXXX and was transferred to three separate CS agents over the course of two hours and eventually hung up on. I have no access to my online banking and have no way to access my money. BBVA has acknowledged that this is an ongoing problem on their website and XXXX account however no formal notification has gone out to customers with further information.
Consumer complaint received 2021-05-11
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: Experian Information Solutions Inc. (CA)

The 5 accounts that do not belong to me and I have opened an Affidavit notarized it for Identity theft and opened A Federal Trade Comission Report as well as reached out to the bureaus and the furnishers with all these documents and still nothing I hear crickets. Is this fair to treat citizens in this manner I am a victim and I feel like I am being ignores these accounts were never opened or used by me why is it in my report and why are the bureaus letting this happen???????? 

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX SVCS Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account