davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

My account has been frozen.. 
My IRS Refund has been release to the account XXXX XXXX 
XXXX has not been communicating nobody is helping I just want my funds that can be verified from the IRS. My rent needs to be paid I am facing an Eviction!
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

On XX/XX/2022 I received correspondence from a company named as Midland Credit Management stating that I owed {$570.00} I have never done business with this company and do not understand why they have my personal information, my home address, my social security number and I am terrified that these XXXX will continue to extort me for a debt that does not belong to me. And according to the verbiage they sent to me which was charged off and indicates that a 1099C was filed and they are attempting to extort me and commit some type of tax fraud. I have not given this debt collector any consent to be contacting me which in accordance to15USC1692c ( a ) so receiving this bill from this debt collector is usual and appalling. Upon understanding my consumer rights and reviewing my credit report this is a direct violation of 15USC1692d ( 4 ).
Consumer complaint received 2022-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

My cell phone was stolen. The thief was able to login to my Chase checking account through the Chase mobile app, it is unclear how they were able to do this as it is password protected. This individual transferred {$2000.00} to themselves via XXXX through the Chase app on the stolen phone. I have filed multiple disputes with Chase and escalated it as far as possible. Chase refuses to recognize the transaction as fraud and will not refund me the stolen money. There is an ongoing police investigation and a suspect has been identified, both Chase and the suspect 's bank are complying with subpoenas.
Consumer complaint received 2021-08-24
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. (DE)

I've been disputing an account with Equifax Information Services, XXXX XXXX XXXX Account # : XXXX, which is a paid medical account that has been disputed. There is a law that prohibits such reporting called XXXX, and I believe the CFPB is the proper arbiter of such cases. Equifax has repeatedly violated my consumer rights granted under XXXX, and you should make them pay for their infraction!
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TX)

I have never done business with this merchant or signed any contracts or provided payments to the merchant. Merchant is report that they have received payment. I have disputed the merchant multiple times and still no resolution for the following amounts : Midland Credit Management {$1400.00}, {$1300.00}, {$1100.00}, {$960.00}, {$720.00}, {$4500.00}, {$1400.00}, and {$1300.00}. I would like to have errors corrected based on 15 USC 1681.
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (VA)

Account XXXX, balance of XXXX original creditor XXXX XXXX SOLD DEBT TO A COMPANY WHOM NEVER GAVE ME THEIR NAME OF THE COMPANY Account was closed XX/XX/2020 was misinformed and miseducated about the balance that needed to be collected on a partial payment. Company didnt give a name of who was collecting my information and intimidated me for a partial payment. Currently theyre still writing charge offs on my credit report and the account been closed since 2020. XXXX negative charge offs! on my credit report UP TO DATE
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I owed the  XXXX   XXXX  a balance of {$720.00}. My bill started out at approximately {$1500.00}. I was on a payment arrangement with the clinic and making timely payments of {$100.00} per month. On    XXXX   XXXX  , 2017, I received a collec tion letter  from Transworld Systems , Inc. I c alled and spoke with  XXXX   XXXX  and she extended a settlement offer of a 20 % reduction. I paid the amount of {$570.00} via credit card on that phone call. I have now received another collection letter stating the 20 % or {$140.00} is due. I ca lled Transworld Systems , Inc. an d spoke with  XXXX   XXXX . He put me on hold and when he came back to the line informed me that the settlement offer was not going to be honored and the money was due.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

PROFESSIONAL ADJMNT CORP CLAIM I OWED THEM MONEY FOR MEDICAL BILLS FOR YEARS I 'VE REQU ESTED VALIDATION FOR YEARS NONE WAS PROVIDED FOR YEARS THIS ITEMS HAS AFFECTED MY CREDIT, FOR YEARS MY VALIDATION REQUEST WAS IGNORED
Consumer complaint received 2023-07-27
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 — Problem with personal statement of dispute
Company: VW Credit, Inc (CA)

I was diagnosed with XXXX and missed a loan payment. 

Ive sent them a doctors note which stated I was admitted into a hospital for care. According to the CARES Act - Covid was deemed a Natural Disaster and National State of Emergency and I should not have my credit penalized.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was using BoA cash back deal for XXXX by XXXX. Which is {$15.00} off for over {$20.00} transaction. But BoA did n't give me the cash back. Account type BankAmericard Cash Rewards Visa Platinum Transaction description XXXX BY XXXX Posting date XXXX/XXXX/2017 Transaction date XXXX/XXXX/2017 Order date XXXX/XXXX/2017 Amount {$23.00}
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the fair credit reporting act XXXX XXXX XXXX deleted my one acct and I am still paying on the acct with account number XXXX. XXXX XXXX with credit one and she stated the one account is deleted and paid off. the second acct is with XXXX  and ends with XXXX XXXX and I already made payments for it. But the other credit one needs to come off the credit reports all three. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. Thanks XXXX XXXX
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I have an issue with my XXXX XXXX XXXX credit card issued by Comenity Bank, customer care phone number XXXX. I spoke to a rep and was transferred to an account XXXX. I then called again later that day and tried to escalate my call to a supervisor. I was told it may not be possible to speak to one. 
I have also spoke to customer care for the vendor, XXXX XXXX. 
On XX/XX/2022, I paid my minimum payment on my credit card. On XX/XX/2022, XXXX was paid bring the balance to {$0.00}. I noticed the error and paid the XXXX on XX/XX/2022. 
On XX/XX/2022, my statement cycled and I was charged an interest fee of {$24.00}. This resulted in a fee only statement. Each time I requested the fee to be waived as a fee only statement and was told it was not a fee and therefore could not be waived. 
I could be wrong, but is this not a violation of the XXXX XXXX or XXXX XXXX policy?
Consumer complaint received 2022-03-25
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have Nieman Marcus/capital one credit card and I pay the bills every month regularly. we receive paper bills from mail. my account no with them is XXXX. 

I didn't receive my paper bill in XX/XX/XXXX ( XXXX be lost by mail XXXX ), so didn't make a payment in XXXX as I was not aware of any payments. But when I received the bill in XX/XX/XXXX, I paid in full around {$160.00}. but they charged me interest of around {$36.00} for late payment. I wrote a letter to them explaining the situation that I never received the bill in XXXX and I paid it off when I received the XX/XX/XXXX bill. I even called and explained to them the situation. But they would not cancel the interest charges. so I closed the account in XX/XX/XXXX. 

But to my surprise, they reported me to XXXX XXXX XXXX XXXX as delayed payment. and kept on charging me interest which is now {$110.00}. I called capital one again on XX/XX/XXXX and tried to work out with them about deleting the late payment and cancelling the interest charges. they told me that even though they understand the issue here but they wont chage the credit reporting or cancel the interest. 

we are a well to do family and my husband is a XXXX, so we don't have issues paying our bills. we always paid our bills regularly without any default. in this scenario, we didn't receive the bill in the mail to pay it off. 

so please help me to get the late payment off my XXXX record and cancel all the interest charges on the closed account
Consumer complaint received 2019-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

Ocwen has made all kinds of mistakes Now transferred to PHH its still the same Homeowner has done everything to save their home from foreclosure FHA Administration will be contacted Lender had someone fraudulently with wrong email and info on this account PHH insisting to foreclose relationship manager does not respond
Consumer complaint received 2017-11-11
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. (VA)

I filed a complaint against XXXX Credit Card after someone abused a POA and opened a credit card in my name. I submitted the notarized documents ( attached ) proving this was not an account I opened myself. XXXX and Equifax both stated they would not reinvestigate this matter, saying I needed to send them the very documents I have sent over on more than 3 times. I am starting to believe that they unlike XXXX are unwilling to accept the military investigation results and the notarized documents obtained during that investigation. I did not open this account and am still being held liable for it.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In Accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX was paid off and needs to be deleted from the credit report, Also XXXX XXXX XXXX closed and settled and needs to be deleted from all three credit bureaus. Both XXXX XXXX XXXX 's Acct number XXXX and account number XXXX  were both paid of and settled for deletion on all three credit bureaus.

15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction.

I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. 

Thanks XXXX XXXX
Consumer complaint received 2021-07-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA (AL)

We have a XXXX  XXXX XXXX XXXX that's now paid off but Hyundai finance are dragging their feets to process the title and send it to us. We need to sale the car now but we can't without title.
Consumer complaint received 2017-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

From XX/XX/XXXX  till now,  seven p ayments w ere made to a Capital One C redit Card from my checking account. All of them were for {$75.00}, and at first I thought they were auto   payments to one of my Capital One Credit Cards. Two days ago, I found out they were not.
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I have already called the bank handling this checking account, and will be closi  ng the account shortly. However, not only am I worried that this could happen again, I am furious   at the lack of support Capital One has provided.
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Their mobile application was used to take this money from me, and instead of checking their database to figure out who was making these transactions, they just wanted me to file a claim to my local bank. They offered me absolutely no assistance, despite their application being at potential fault.
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As stated, I am going to reopen my checking account with new numbers, but Capital One needs to improve their security if they want to keep me as a customer.
Consumer complaint received 2017-11-12
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: Clarity Services (IN)

XXXX BANK WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO CLARITY, XXXX, XXXX ETC.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I charged {$710.00} on my MC to a insurance company. For some reason 10 mins after them charging my card they made a second charge for the same amount, double billing. They seen the error and sent the 2nd payment back.

On the same day the CC company sent the payment back to the insurance company noting it was a re-bill. ( never heard of that Now I want to inform you that ALL these payment have the same reference code, why that happen is a mystery to me..

Then the insurance company sent back the returned payment again. 
Still on XX/XX/XXXX The CC company sent them ANOTHER payment back to the insurance company as a re-bill adjustment.again.. 
Now all the charges have the same reference number.Now my card has one ligament charge, 3 returns from my insurance company AND 2 payment sent back to my insurance company as a rebill adjustment. 
Then on XX/XX/XXXX the insurance company send me a email saying im over die and the have to cancel my policy if I don't pay right now. All you have to do is READ the statement and you can see there is ONE payment made on the XX/XX/XXXX then another ( 2 ) two returns from the insurance THEN two payment re-bill to the insurance company. And finily they said the returned all payments ( all the same reference number? and I had to pay again. the CC company is company at fault here, by sending BACK returns and billing me for it. AS of today XX/XX/XXXX I am been charged twice for the same charge, I have called 17 times since XX/XX/XXXX and for some reason they don't get it. All you have to do in read the statement, it self explanatory. PLEASE HELP ME
Consumer complaint received 2023-01-12
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. (AZ)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to the 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agency Experian did not modify nor remove anything. 

Which is a violation this is impacting my life and business in so many ways. 

I will attach my credit report to show Experian didnt removed these accounts.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (GA)

Hello I asked the credit bureaus to do a verification investigation of my credit report and validate the accounts that were on my report.The reports came back & said it was accurate. I did a research myself and found improper inaccurates on my report even after they did their investigation. 



Accounts : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act XXXX  Accounts has violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1684 section 604 A. It also states a consumer report agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/2021 I issued an ACH payment through Webster Bank to XXXX XXXX in the amount of {$1800.00}. This was my XX/XX/2021 mortgage payment. 

Around XX/XX/2021 I received notification that my loan was being transferred to XXXX XXXX. 

On XX/XX/2021, I contacted XXXX XXXX  to pay my XX/XX/2021 mortgage payment and was told I never paid XXXX 's mortgage and had to pay XXXX + ~ {$200.00} late fee due to the payment being late. I made the payment totaling {$2000.00}. 

After XX/XX/XXXX through XX/XX/2021, I corresponded with XXXX XXXX  and Webster Bank to find the money that went out of my account on XX/XX/XXXX but was never returned nor posted to my mortgage loan. XXXX claimed they never received funds from Webster Bank. Webster claimed they sent the funds.

I was provided with letters from Webster Bank indicating that the money was withdrawn and never returned into my account. Despite the letters that contained tracer numbers, XXXX XXXX  denied having ever received the funds. 

Around XX/XX/2021, I filed an ACH dispute with Webster Bank to find the money they lost. They concluded this dispute and sent me a letter dated XXXX saying I authorized the funds to be withdrawn and thus my dispute was closed. 

I still do not have the {$1800.00} that was withdrawn from my account.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (IN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court