davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have carefully reviewed my report and have identified several inaccuracies that I believe must be corrected. The following is a list of the negative items that I wish to dispute : XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX - I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  XXXX - Account Number : XXXX - You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX - Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, I have the right to request that inaccurate or incomplete information on my credit report be corrected or removed. I am requesting that you investigate these items and provide me with a written explanation of your findings. If the items are found to be inaccurate, I am requesting that they be removed from my credit report immediately. I am also requesting that you provide me with an updated credit report reflecting the removal of these negative items. 

I appreciate your attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (OH)

They have been calling me for over a year using threatening language to take legal action on a debt from XX/XX/XXXX- which exceeds the statue of limitation for collection in the state of Ohio . I also have proof that this was settled in XX/XX/XXXX and sent it over twice to their office. They will not stop calling.
Consumer complaint received 2023-07-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Burke Moore Law Group, LLP (GA)

According to your correspondence on the last case a letter was sent to me about this debt in XX/XX/XXXX, However, to my knowledge, I have not received any such correspondence. The only mail I received from Burke Moore Laws Group is the letter from XX/XX/XXXX As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting written verification of the debt in question before proceeding with any further actions. Kindly provide proper verification as required by law. 

I urge you to investigate the alleged mail you claim to have sent, as it has not reached me. Until proper verification is provided, I appreciate that you chose to cease all collection activities related to this debt on XXXX XXXX. 

And upon seeing the alleged letter I have not received, I would like to kindly request that you have a lawyer review the details of the alleged debt to ensure its accuracy and legitimacy before proceeding with any collection efforts. 

Additionally, I am also requesting copies of the original contract related to the alleged debt, as well as any agreement or contract between your agency and the original creditor, to ensure the validity and accuracy of the debt 's details. 

Thank you
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I just needed to change my address. The bill says to call customer service or go online to change it. I called the number on the statement, XXXX-XXXX-XXXX-XXXX. I was required to listen to 5 minutes of automated advertisements asking me if I had a cell phone provider, TV provider, and a host of other topics requiring me to answer yes or know by hitting a number or pound. I finally got to a recording that says I can hold for a representative. The recording then immediately went into asking me cell phone questions if I have one yes or no. I didn't answer so it disconnected the call. How can I reach customer service? 

I then went to the website. I tried the forgot password link and it would not go on without my social security number. I don't want to enter than on the internet. Then, I tried to set up another account and it again requires a social security number and date of birth. I already have a card. These excessive processes put my identity at risk. I still can not reach customer service to change my address and have lost confidence in this company. It all feels like an advertising scam.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

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 When I try to call XXXX they tell me the account is old and they can not find information on this account but they are still reporting it to all three major credit departments. 

I would like these two account remove from my credit report.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (NY)

My ex husband and I needed to split our joint XXXX XXXX credit card debt as per our divorce agreement. In XX/XX/2019, I opened a Chase Freedom credit card. In my application, I indicated that I will want to transfer a balance and entered in my XXXX XXXX credit card information and the transfer amount. I got my Chase Freedom card and created an account. I noticed there was no balance transfer, so I did it myself through the account I had just created. On XX/XX/2019, {$2400.00} was transferred from my XXXX XXXX credit card to my Chase credit card. Then on XX/XX/2019, {$2400.00} was transferred from my XXXX XXXX card to my Chase card. Realizing that this was a duplicate transfer and error on my part and that I had now consumed all the debt from my credit card with my ex husband, I contacted both XXXX XXXX and Chase to request that the transaction of {$2400.00} be reversed. I was told that this was not possible and received a letter in the mail from Chase in XX/XX/2019 indicating that they could not accommodate my request to undo the transfer. I then resolved the matter between my ex husband and myself. He opened his own XXXX XXXX account and transferred he share of our debt ( {$2500.00} ) from my Chase credit card to his XXXX XXXX card ( transaction on XX/XX/2019 ). Then on XX/XX/2019, I noticed a {$2400.00} " Payment Adjustment '' on my XXXX XXXX card. I called XXXX XXXX and they told me it came from Chase. I called Chase and they told me that I had requested this. I said yes, two months ago and you informed me in writing in XX/XX/2019 that you could not reverse the transaction. They escalated and looked into the matter. On XX/XX/2019, XXXX from Chase left me a voicemail indicating that they realize the error on their part and that they are going to adjust by recalling the funds back to my Chase card and credit it back from XXXX XXXX. As of today, XX/XX/2019, the {$2400.00} debt is still appearing on my XXXX XXXX card AS WELL AS still appearing as debt on my Chase Freedom card. I have been charged {$95.00} in interest for this month from XXXX XXXX due to this problem created by Chase. I have spent hours now trying to get this resolved. Every person at Chase I speak to asks me to repeat this story to them and then they have to look into my account which consumes more time. Today after seeing that I now have {$95.00} interest charged from XXXX XXXX and that the debt of {$2400.00} is still on both cards, I contacted Chase again. I spoke with XXXX ( she was very helpful and understanding ). After again explaining what happened and waiting for my account to be reviewed, I was told that the request to cancel was dated XX/XX/2019 and could take 5-7 days to process, but might take up to 30 in which case I will be charged interest on this debt again by XXXX XXXX. She did issue me a refund of {$73.00} for the XX/XX/2019 transaction fee to, but said that is all she could do.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (CA)

In an effort to validate a debt collection account that is being reported on my credit report, I asked the collection agency to validate the debt by sending them a letter via certified mail to the address provided on my report. The letter was mailed on XX/XX/2019 and I have not received a response. They have failed to respond within 30 days.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, on my credit report is shows that I have over 90 days unpaid on student loans when i Had deferments at the time, the status of the loans are currently correct, as i am now in a deferment. But I have sent Goodwill letters, certified, to get the old late payments removed from my report and I havent been able to get this handled. Its damaging my credit score, Please help. Thank you
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MI)

On XX/XX/2023 Chime bank closed my account without notice with over {$2500.00} of funds in the account. Chime bank would not communicate with me over the phone and have ignored my emails, requesting the reason for the closing, but most importantly, my money back. I did nothing to violate any term and have fun and chime number for over three years with regular direct deposits into this account. I am a single mother with no money for food or gas due to these shady practices. 

When I finally was able to reach a live person after being hung up on multiple times, I was told there were no supervisors and the person I was speaking with, had no information. No company like this should be able to manage money. In addition to closing the account and they locked me out of the app so I can not even see whats going on with my money. 

I need my money back immediately. Please help.
Consumer complaint received 2023-02-15
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. (MI)

There are accounts on my credit report which do no belong to me. I contacted the credit bureaus report this incorrect information and made an identity thief report. I did not include the report in the letter I sent but listed the accounts in which I did not recognize.I also put a freeze on my account to be notified if anyone tries to use my information.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc. (PA)

Since XXXX of 2020 bjs has not been reporting my payments that have been made. This creditor has been paid in full and its not showing. Which affects my credit score
Consumer complaint received 2018-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I currently bank with Fifth Third Bank ; on XX/XX/XXXX there was {$4.00} in the account ; on the XX/XX/XXXX I bought a hamburger for {$4.00} at XXXX 's using my 5/3 debit card leaving the account with {$.00}. On XX/XX/XXXX in the morning, I made a mobile deposit of {$630.00}. {$100.00} was immediately available ; I checked my checking account balance and the available balance was {$100.00}. On XX/XX/XXXX there was a payroll deposit of {$1800.00}. I checked my balance and as XX/XX/XXXX these transactions had already posted to my account : deposit of {$630.00}, debit of {$4.00} and debit for {$180.00} leaving me with {$440.00} balance positive ; when I again checked my balance on XX/XX/XXXX, I noticed that there was a credit from my 5/3  cc as overdraft protection for {$100.00} and an overdraft fee of {$12.00} ( because overdraft was activated ). I immediately called 5/3 customer service for an explanation for the overdraft credit from my 5/3cc and the {$12.00} fee. This is what XXXX IN CUSTOMER SERVICE TOLD ME : that although the {$630.00} deposit was accepted XX/XX/XXXX, and {$100.00} was immediately available, there was already a negative balance of {$89.00} because my car insurance payment of {$180.00} was already shown as pending! There was no indication on XX/XX/XXXX that my account was negative! According to XXXX I had until XXXX XX/XX/XXXX to make account positive! I did not even know the account was negative since my on-line balances did not reflect a negative balance ; on XX/XX/XXXX XXXX XXXX 5/3   bank made the remaining {$530.00} from the {$630.00} available debited by 5/3 cc the overdraft and charged the {$12.00} overdraft fee! All this was done without my knowledge and without any indication my account was negative, so I could make provisions to make the balance positive. What 5/3 does is debits first and credits afterward so they can charge overdraft fees!. I thought that was illegal! This is not the first time this has happened with 5/3! I need to know why 5/3 thinks it can get away with these practices! Please advise on results of your investigation. XXXX did waive the {$12.00} fee. My complaint is about 5/3 illegal and unfair practices. Please advise.
Consumer complaint received 2023-08-21
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. (MD)

This is my 2nd 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 an 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 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 2019-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tenaglia & Hunt, PA (MO)

In XX/XX/XXXX, I received 2 small loans from XXXX, totaling about {$1000.00}. After 12 successful payments made on my account, I began to miss payments which caused my account to become delinquent. 

On XX/XX/XXXX XXXX emailed me via the email XXXX stating as much. I immediately reached out to find out what was going on. I was informed & verified by logging into my account that I did owe a balance of {$450.00} which I paid in full over the phone via credit card. 

The woman I spoke with assured me she was an employee of XXXX. 

When a charge to my card showed up on my bank statement on XX/XX/XXXX ( and cleared on XX/XX/XXXX ) it was not from XXXX but from a law office -- XXXX XXXX XXXX. 

I again reached out to XXXX to see what was going on, at this time I was informed that my account had been transferred to XXXX XXXX XXXX for collections and they had the {$450.00}, not XXXX. 

I was informed, in writing, that XXXX would consider my account current contingent on XXXX XXXX XXXX remitting my payment back to XXXX though was given no timeline as to when that would happen. 

In the meantime, I continue to receive calls from XXXX XXXX XXXX as well as a second collections agency -- XXXX -- both attempting to collect on this debt.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CO)

I am writing to lodge a formal complaint against SoFi Bank for their misleading deposit policies, failure to communicate significant changes, and refusal to honor initially stated terms. On XX/XX/2024, I made a deposit to my account in the substantial amount of {$7700.00}. Following this deposit, I received assurances both via email and the SoFi banking app that the funds would be available in staggered credits : {$2000.00} on XX/XX/2024, an additional {$3600.00} on XX/XX/2024, and the final balance of {$2100.00} on XX/XX/2024. 

As of XX/XX/2024, none of these funds have been credited to my account. When I reached out to SoFi customer service for an explanation, I was informed there had been a " mistake in the screenshot '' of their prior communications. Contradicting their initial promise, I was now told that only {$500.00} would be made available on XX/XX/2024, with the remainder to follow on XX/XX/2024. This abrupt change in fund availability, communicated to me after the fact, is not just inconvenient but highly deceptive and misleading. 

It is critical to emphasize that {$7700.00} is not an insignificant amount. The sudden and unexplained withholding of such a sum is distressing and poses a significant inconvenience. If SoFi is utilizing undisclosed metrics or policies to justify the denial of rightfully due funds to depositors, it is imperative that these criteria be clearly communicated to customers. Leaving customers in the dark, only to later claim a miscommunication or error, amounts to gaslighting and is utterly unacceptable. 

Upon reviewing first-hand accounts from other customers online, it is apparent that the staggered credit amounts I was initially promised align with SoFi 's typical practices, rather than this sudden and detrimental change. This lack of transparency and failure to adhere to communicated terms is unacceptable and unbecoming of a reputable financial institution. 

I demand the Consumer Financial Protection Bureau to intervene and investigate SoFi Bank 's misleading and inconsistent deposit policies. It is crucial for customers to be treated with fairness, transparency, and respect, especially when it involves the management of their finances. SoFi 's actions in this case reflect a disturbing disregard for these principles.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-06-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

Upon the request for the cancellation of my familys auto insurance with XXXX insurance company, they initially told us that we were supposed to get a partial refund for the years of service with them which is customary among most insurance companies. And yet all of a sudden they changed their story by falsely claiming that my sister and I allegedly owed an unpaid debt through the use of a collections agency by the name of Credit Collection Services.