davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I attempted to create an account for equifax premiere. The system took my {$1.00} but then told me after answering all the verification questions correctly that my identity couldn't be verified. I called the number listed XXXX and a foreign representative asked me another verification question, " do i hav a student loan? if so, who is my lender? '' I answered US Dept of Education. '' She insisted on asking me is there another name they use. I told her several times NO as i was reading the information straight from my equifax report as seen in the attachments and screenshot. She then said my identity was still not accurate. I then asked for a supervisor and someone with a heavy foreign accent name XXXX with ID : XXXX took over the call. I asked him why was my information not verified. After stuttering for a couple secnds, he could not answer the question. I recorded the call and am sending it to XXXX and XXXX, especially after the huge data breach and lawsuit. The system also STOLE {$1.00} from my account but did not produce my order.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Hi, I previously requested that the bank make payments 1 ) automatic and 2 ) allowable from other banks. Currently you have to schedule each month or send in a check. It is now XX/XX/XXXX. This is not practical and is making it more possible for people to miss payments. My first issue on this was noted on XX/XX/XXXX. This has not been updated even though they said they were working on it. This needs to change because I am certain people are missing their payments because you can not perform automatic transfers from other banks. 

Moreover using the automated system does not properly work and they force you to speak with someone. First this is challenging because you need the automated system to work for you to contact someone and second, chatting with the operator is a hidden option where you just click " XXXX '' because they likely don't want you to know this.
Consumer complaint received 2024-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (FL)

Resurgent capital services set up a payment plan for XXXX seperate accounts totalling XXXX XXXXXXXX. XXXX XXXX XXXX made XXXX XXXX payment plan for me.

I also have a payment plan with XXXX XXXX XXXX XXXX  threatened me several times with court appearances. I was told that I was not cooperative, and that I was not acting like I wanted to clear this matter up. They said they would let the judge decide if I should go to jail.

I felt That I had no choice, I was going through the system at a homeless shelter. I was trying to make my life better and felt any negative marks would make it much harder to get housing.

I have been making these payments for XXXX or more months. It is causing me hardship. I live on a XXXX XXXX monthly XXXX XXXX XXXX. I can not get food stamps. I go to as many food pantries as I am able. 
I have hired XXXX XXXX to help me clear this mess up
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I set up a payment agreement XX/XX/2019 with this collections company for a debt that I had. They were supposed to send me updated statements monthly as well as report my balances to the credit bureau month to show my payments and the decrease in my amount. My monthly payments are about XXXX for 6 months and at this time they still have my outstanding balance as XXXX. This is affecting my credit score because it seems as though I havent made payments and its affecting my debt ratio. Ive made several attempts to contact them and they keep saying that they havent received my request or I have to wait.
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Richland Bureau of Credits Medical Service Bureau Inc. (OH)

I received a notice of collection on a bill that I never received. I went ahead and paid the collection because I didnt want it to make a negative impact on my credit. Afterword I called the creditor, XXXX XXXX to complain that it has been sent to collections without receiving a bill. They claimed they had sent several bills, but said I could go ahead and pay it right then. If this truly went to a collection agency, how could I pay them? It seems to me, that they are sending out collections on bills rather than just sending out the bills. As I understand it, collectors buy the debt from creditors. But I received a bill from the collector, and then the creditor still tried to except money for it. This seems off to me.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK ()

I was a loyal customer to Discover credit card pay my payments on time and they closed my account and reported me to the credit bureau for no apparent reason they had me to fill out a 99 form to the IRS to verify who I was IRS verify who I was and it's still closed my account for no apparent reason they also reported me bad on my credit report I really need help and I really need something to be done about this
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/2022 Fifth Third Bank charged my checking account a fee of {$4.00} for an International Transaction Fee. I have not traveled out of the country and have not made any purchases from an international vendor. When I reached out to Fifth Third Bank, I was told that this was due to a XXXX Transaction with a company who has an International Headquarters. The XXXX Transaction was completed on a US website in US dollars and shipped from Wisconsin. The transaction did not involve any International components at all. Rather, only that the parent company that the purchase was made from was located Internationally. 

The representative from Fifth Third informed me that this happens all the time and that the bank can charge an International Transaction Fee for purchases made through XXXX and XXXX where the vendor has an International Headquarters, regardless if the transaction was conducted in the US, paid in US dollars, and shipped from a US location. 

After an hour on the phone and multiple transfers to other departments, a representative was finally able to reverse the fee.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (IL)

In XX/XX/2024, I submitted a report to the CFPB, which has since been closed without any response or correspondence from the corporation regarding the listed violations and associated invoice. Although they sent a copy to the CFPB, they failed to provide me with one. Subsequently, they have initiated flagging my account on XXXX, resulting in an XXXX decrease in my credit score subsequent to the issuance of a cease and desist notice. It is imperative that they refrain from harassing me via XXXX or any other credit bureaus. Despite my notification of numerous violations, they persist in attempting to indirectly demand payment, which constitutes illegal behavior.
Consumer complaint received 2024-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (ME)

Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (FL)

In XX/XX/2022, I applied and was approved for a loan of {$1300.00} with XXXX. {$650.00} came to me via XXXX and {$650.00} was supposed to set aside in a savings account. On XX/XX/XXXX at approximately XXXX XXXX, I received an email from XXXX stating my account would no longer be serviced by XXXX XXXX  and that SST would be taking over. After making my payments of {$60.00} every two weeks for almost a year, I had a small balance left of {$140.00}. I paid that off on XX/XX/XXXX ( including the XXXX fee for the online ACH payment ). It is now time for me to collect or gain access to my savings totaling {$650.00} and SST is holding up the process. I have received several different responses to my inquires from SST, including my funds would be wired to the bank account in which my last payment, that I would be mailed a check within 10 days, now I'm being told it can take up to 30 days to get money owed to me. I don't know what to believe when dealing with this company and with XXXX. I just want my money so I can give my kids a good XXXX and XX/XX/XXXX is not acceptable. I just want what's mine and what I'm contractually entitled to. Between XXXX XXXX and SST, they need to figure out a better way to get customers what's owed to them.
Consumer complaint received 2020-02-26
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. (NV)

I just started montering my credit because I am trying to buy a house, I see an ample amount of accounts on my profile that I have no knowledge of. I want these accounts to be validated and once you see these accounts don't belong to me I want these accounts removed
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NM)

There was a fraudulent transaction by XXXX XXXX XXXX XXXX doing business as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$3000.00} & XX/XX/XXXX {$3400.00}. I received no services or products from them. I submitted all the documents to show that it was fraudulent and most recently sent Chase the text from XXXX XXXX, the owner of said business via text that said they would be refunding my money ( {$6400.00} ) within XXXX business days back to my account. When I called Chase Fraud Dept they had informed me that somebody in their fraud dept just closed the case without giving me my money back despite this being a fraudulent transaction where I received no service or products. After submitting all the documents of proof of the fraudelent transaction where no services was received by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX the people in the CHASE Fraud Dept still has not refunded me back my money of {$6400.00}. The last agent ( which they say are recorded lines ) said that they would be reopening the claim & my money should be back within XXXX business days. Chase allows fraudlent activity to occur and then does nothing to rectify the fraudulent transactions on their accounts. 
People should know CHASE shady business practices and how they do not help their customers address fraud on their accounts but add their stress by doing nothing.
Consumer complaint received 2024-04-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (LA)

I have submitted a police report dating back to XXXX of 2022 and a ftc multiple times in attempt to rectify this matter of identity theft in which XXXX and XXXX havent removed due to regional acceptance not honoring whats valid and should be removed from my credit.
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a XXXX  XXXX XXXX employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was zelled to another bank. I called filed a claim reached out to XXXX  XXXX XXXX & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( XXXX XXXX ) they would not help me in giving me any information and told me to go back to my bank. Zelle would not give me any information on who the scammers are or if they even shut them down! How can the company, Zelle, and XXXX XXXXXXXX XXXX & XXXX XXXX  no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc. (TX)

You can continue to mark as duplicate without regard to whats in actual complaint. Pre litigation demand processed- Omni will not receive any monies from this outrageous violation of consumer rights. 

FINAL ATTEMPT AT RESOLUTION WITHOUT LEGAL REPRESENTATION OMNI is reporting an invalid debt based on its conditioning loans to servicemembers on repayment by allotment, in violation of the Military Lending Act ( MLA ), 10 U.S.C. 987 ( e ) ( 6 ), and conditioning loans on repayment by preauthorized electronic fund transfers, in violation of the Electronic Fund Transfers Act ( EFTA ), 15 U.S.C. 1693k ( 1 ), and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I viewed a copy of my credit report via XXXX in XX/XX/2020 and I noticed an account, listing as collections on my credit report and I do not have a collection account. The account that is listed on my credit report in the name of XXXX XXXX and has an amount of {$4700.00} balance that I PAID and DO NOT OWE. 
I wrote XXXX  and Experian on XX/XX/2020 and asked them to please remove this negative reporting from my credit report and they refused to remove it.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (VA)

I have a checking account with Ally Bank and noticed on XX/XX/XXXX a pending transaction of {$2300.00} had been added to my account. As soon as I noticed the charge I immediately called Ally Bank to stop the charge because I did not have anything to do with the transaction as it was for buying a used car in another state. Even though the charge was pending Ally refused to stop the payment. Additionally, they said they needed to let the charge go through in order to initiate a dispute on the transaction. They assured me on the call that the transaction would be reversed as they agreed it was a scam. On XX/XX/XXXX the transaction posted, and I disputed it as explained by the representative. It took a week to get the credit applied to my account. Fast forward to XX/XX/XXXX almost 3 months after the incident, and I receive a notice stating that they have reversed my credit and have the supporting documentation they need from the merchant. As soon as the funds were reversed I reached back out to Ally to figure out what evidence they had regarding the fact that I authorized the transaction. To this date I still have not received those documents. I have proof I was not in the state the transaction occurred on the date it occurred. The fact it took so long and they have been unwilling to provide evidence leads me to believe they ran out of time and didnt actually investigate the transaction. Additionally, they should have stopped the transaction as requested prior to go it going through.
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (NY)

I have submitted several disputes to Early Warning Services ( consumer ID XXXX, ) XXXX XXXX regarding two accounts being reported as account risk by XXXX XXXX XXXX XXXX. The accounts listed do not contain my social security number or address, yet despite several disputes being filed, EWS has replied consistently that they were able to verify the information as accurate and belonging to me, which is obviously incorrect, and they are refusing to remove this information.
Consumer complaint received 2016-03-23
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Atlantic Recovery Solutions LLC (FL)

I co-signed a credit card for my daughter who defaulted and never attempted to make payments. The debt has been transferred from collector to collector for the last 6 years. The last communication from the last known collector that I am aware of was 7 months ago by XXXX XXXX XXXX. Today I get a message from my son that my ex husband received a phone call from ARS Collections by someone claiming to be a lawyer XXXX XXXX XXXX in NY that demanded my phone number. I have been divorced since 2009 and have no communication with my ex. I have not received any communication from this ARS company. Nothing in writing, but they contacted my ex. The last collector company had my address & phone number. This ARS company obviously uses questionable tactics. My phone is on the " do not call '' list.
Consumer complaint received 2022-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION (GA)

TRUIST Item Processing Center XXXX XXXX XXXX XXXX NC XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX They are in violation of 15 U.S.C 1605, 15 U.S.C1635, and 15 U.SC 1692h and 15 U.S.C 1666b. I am requesting the return of my moneys due to fraud. The contract is now null and void failure to disclose right of rescission. Automatic violation in the truth and lending act ( TILA ).
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

I have attempted multiple times since 2018 to have AWA Collections vaildate this debt they claim I owe. Each time, the collection agency failed to provide me with validation for the debt. They continue to send me a bill from the orignal creditor stating this is their proof that it is my debt that I owe. No other supporting documents to prove this is my debt such as any documentation bearing my signature. 

Additionally, the letter they continue to send me that they claim is my deby, states that the charges owed total {$370.00} ( {$290.00} principal, {$76.00} interest ), and that an itemization of these said charges totalling this amount are attached. The itemization within these documents on the medical bill they continue to send me does not total {$370.00}. Rather, the itemization wihtin these documents clearly show a total of {$300.00}.
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Several months ago, Bank of America closed my Core Checking account. The account was in good standing and always had a positive balance. I inquired about why it was closed and where my remaining balance went. I was just told " sometimes these accounts just get closed. '' When logging in to my account, I am not able to access any of my past statements.
Consumer complaint received 2019-11-13
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. (FL)

I never had this accounts, never applied for it. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.