davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MIDFIRST BANK (AZ)

Midfist provided temporary credit for a dispute, no notice was provided when it was reversed. They credit my account again. I called and I was told it was final. I called the branch amd was told I would get a call. Never got the call back. They then debited my account again. Again with no notice and after I was told it was final. I at this point am so confused and feel I am missing {$350.00}. This bank has caused an a massive amount if stress and inconveince. I have children to take care of and I feel they think it is ok. Just to mess with peoples accounts ans they take no responsibility to the stress and confussion they have caused. I believe they are breaking regulations and they need to be investigated.
Consumer complaint received 2018-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Made a payment of {$60.00} on XX/XX/XXXX through the mobile app, and made two other payments of {$20.00} and {$25.00} on XX/XX/XXXX, all from the same bank account. I noticed that my current balance was updated, but it showed that my available credit was still {$0.00}. I called in on XX/XX/XXXX around XXXX XXXX to ask about my account and the representative told me that we need to do some verification and we did, but the last two payments werent posted yet so I decided to call them again after XXXX XXXX. Since the customer service department for my bank account didnt open til XXXX XXXX, the representative asked me to call in the morning to do the verification process. OnXX/XX/XXXX I called my credit card company to get those funds released and so we had to do the verification process again. All payments were confirmed by the bank and the service rep said that I will be seeing my available credit after three minutes. After 30 minutes, I checked it and it wasnt updated at all. Took me at least 3 service reps to get the funds finally released. When I tried to use it at a store later that day, my card got declined due to suspected fraud which was odd because an hour ago before my purchase at a store, I was able to make a transaction online. On XX/XX/XXXX, in the evening, I checked my balance and the available credit was {$0.00} despite not maxing out my credit card. I called on XX/XX/XXXX to ask if there was something wrong with my account. The first service rep told me that my account was restricted and so he released the restriction but I had to call again so someone can help me with the available credit issue. One of them told me that one of the payments ( {$20.00} ) I made was put on hold ( despite being released on XX/XX/XXXX ) and I had to do the verification process again. I asked them to check the history of the calls or notes and they said there was none despite talking to two different people on XX/XX/XXXX in the morning to help me release the funds immediately. I currently can not use my credit card for any purchase because they will not release the funds so I would have to wait for 5 business days again. I will pay my card full and will cancel with this company.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXXXXXX XXXX XXXX XXXX account # XXXX. XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX. XX/XX/XXXX has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-25
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: Resurgent Capital Services L.P. (CA)

XXXX XXXX  but the debt was sold to XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX  XXXX, Fl XXXX thats what list on my credit report contacted them via mail never got a return letter there phone number is not listed on my report There is 3 accounts one is for XXXX The other one is for XXXX Then XXXX I never opened a account with this company I disputed it with the bureaus and even got a police report showing the identity theft
Consumer complaint received 2020-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TN)

In XXXX of 2019, I purchased a desk from XXXX, using my PayPal Credit/Synchrony Bank credit account. Due to an issue with international shipping and customs, the item was never received, and it was returned to XXXX. XXXX 's shipping vendor, XXXX, coded the return incorrectly, and charged me {$370.00} for duties on an item I never received. That was when I filed my first dispute with Synchrony, who, in the end, did not find in my favor. Come to the present, approximately 11 months later, and multiple disputes filed, I am still fighting with Synchrony over the charge. I have provided emails from XXXX stating they will cover the charge, and I even have a recent letter from Synchrony stating the charge was taken care of, only for them to turn around and add it back to my account. I just had to file what I believe may be my 7th dispute with Synchrony.  Synchrony has not once called me, nor have they reached out to the vendor, per my instructions, to claim the refund. Their dispute resolution team does not have a telephone number, nor do they take calls. I have no option but to continue filling disputes every time I am denied my claim. This could have serious negative implications for my credit, as well as my finances. Without a way to contact their dispute team, I am at a loss.
Consumer complaint received 2021-02-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

XX/XX/XXXX - I made multiple calls to XXXX XXXX XXXX to ask to be provided the date the account went delinquent and dates and amounts of payment received on the account. They refuse to provide me this and send me back to the provider ( Iowa Student Loan ) They took legal action on a loan that was taken out in XXXX, 19 years about - well past the 10 years allowed on a promissory note. 

XX/XX/XXXX - I called Aspire ( Iowa Student Loan ) requesting a print out of the account that details the payments made and dates, they refused to provide me this information. I asked for the date that the account went delinquent, again they refused to provide me this information. They sent me back to XXXX XXXX and XXXX for answers. 

It is ILLEGAL to take action on time barred debt, which both companies are doing and neither will provide me the documentation I am legal owed.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (MD)

A company by the name of Security Cred ( XXXX XXXX ) received a debt for me in the amount of {$660.00}. I contacted the original ( XXXX XXXX ), they told me that someone had applied for an account twice with all my information. The original company mark the account as fraud and told me to notify the debt collector. The company also said an account was never established. But when I made contact with the Debt collector, they stated an account was was open and used. I know no knowledge of this account and nor did it show up on my credit report as an open account until XX/XX/2021 under a debt collection. my credit score was heavily impacted by a loss of 43 points. I am also in the middle of refinancing my home which is affecting my loan approval. The company has made me jump through a lot of hoops and nothing is resolved. I filed a police report and Identity Thief Victim 's Complaint and Affidavit.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

I have been trying for months to log into my XXXX XXXX  XXXX account through Equifax. I have been put on long holds, told by their customer service dept that the issue would be corrected, lied to over and over again. I have a log in but can not access the credit monitoring that I signed up for due to the security breach. In addition, Equifax is blocking me from accessing my credit file online. This is my second complaint through CFPB and to date nothing has been corrected. What is the point of having CFPB if you're not going to investigate the issue.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA.
Consumer complaint received 2021-06-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (SC)

I was recently included in a class action lawsuit with Santander Consumer. On Friday XXXX a representative from this company called and attempted to collect money from me on vehicle that was a total loss. I advised the rep that per the attorney general I wiuld be receiving a check on XXXX for the monies Santander over charged me for I told the rep now how can I owe you XXXX for a car that is now owned by XXXX XXXX but you all included me in a lawsuit of accounts that you over charged plus I dont have the car anymore. Santander ripped me of and I actually payed three and a half times what the car was sold to me for.also I am receiving a refund check from you?
Consumer complaint received 2018-02-10
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: Onity Group Inc. (GA)

Ocwen Loan Servicing, LLC is misreporting information on my credit reports. In my first complaint, they claimed that they verified only one mortgage account was reporting to the credit bureaus. However, I have copies of my credit report that substantiates they are, in fact, reporting two different accounts with two different open dates, and two different pay status '. Both accounts are reporting under " Negative Information '' and have severely and negatively impacted my credit reports. 

In addition, according to the XXXX XXXX Reporting Guidelines, Mortgage Status Codes should be reported as Code 94 not Codes 71, 78, 80, 82, 83 or 84. 

Ocwen 's ongoing misreporting is a violation of the FCRA guidelines.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX
Consumer complaint received 2021-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (UT)

I have a payment due the XXXX of each month. Next payment was due on XX/XX/2021. I called and made the payment on XX/XX/2021. This was a regular payment, NOT an extra or interest only payment. I made sure the rep I spoke with was aware of that, she confirmed it. They took the payment which reflects in my history. However for the 2nd time in 3 months with this company ( first XXXX XXXX ), they didn't apply the payment correctly and now say I still owe my XX/XX/XXXX payment, even though it shows in their payment history. When I call customer service, nobody knows how to correct the problem and I just get transferred indefinitely. They also refuse to let you speak with a manager or somebody who can correct the issue.
Consumer complaint received 2019-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I contacted the customer service representative At Citibank on XX/XX/XXXX and requested a reallocation of my credit limit from one credit card to another of my Citibank credit cards. All of my personal security information was provided to the agent before she proceeded. She initially insisted my request was not doable but then she asked that I hold on to allow her to confirm that her response was correct. At this point, we were disconnected and when I called back and explained to a different agent about my dilemma he explained that Citibank policy dictates that agents must close out an account if they are disconnected from the cardholder. To me that is preposterous and I asked if the account may be reopened because I had the account since XXXX with a credit limit of $ XXXX. To add insult to injury, he said the account may be reopened provided he initiate a hard credit pull. I told him not to proceed with a hard pull because I did not authorize the close out and I Citibank should reverse the error.
Consumer complaint received 2021-02-01
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)

I have not reviewed my credit report because I never felt the need to utilize it. Until recently, my child is about to finish grad school and I wanted to help him. I noticed that I am a victim of Identity theft. I contacted my lawyers and they told me to fill out an FTC document with my supporting documents and submit to you. I expect a swift removal because I am going to seek litigation against the man who did this to me.
Consumer complaint received 2018-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (OH)

LENDMARK FINANCIAL they won't send a statement for over 2 years now I don't know what they are doing to my account how much is being applied to balance how much interest I'm paying. I look online at complaints for this company and see they are tacking on fees so that the loan can never be paid off. how is this company still allowed to exist.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

On XX/XX/2020 I opened a billing dispute with Union Bank against a merchant who refused to issue a refund for selling me a brand new washing machine that arrived broken. I tried for over six weeks to resolve the issue with the merchant on my own and only after they stopped all the communication I filed the chargeback. Under the consumer protection act, the onus is on my bank to get the money back if I can't get a refund. The broken washing machine is made available for pickup. The merchant was contacted by me numerous times, and the merchants failure to respond was submitted in my detailed letter to the bank to help with a chargeback filing documentation. The bank refused to help by stating that they do now get involved in these types of disputes.
Consumer complaint received 2018-10-04
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. (MS)

I have been constantly trying to get one closed item updated on all 3 credit reports. Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

After reviewing my credit report on XX/XX/2024, I noticed personal information that was not furnished by me to the credit reporting agencies : XXXX, Equifax, and XXXX. After calling to correct the information and update it, they failed to removed non-mailable addresses and incorrect names on my credit report. They also refused to provide the names of the furnishers of the information found on my credit report. 
According to the Fair Credit Reporting Act, 15 USC 168 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared. 
15 USC 1681 section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Consumer reporting agencies XXXX, Equifax, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax XXXX, and XXXX are not maintaining reasonable procedures.