davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-21
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. (GA)

I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Equifax and XXXX has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has Equifax provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but Equifax has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (IL)

I opened a XXXX XXXX  spend checking account on XX/XX/2021 under a {$250.00} promotion which stated that {$250.00} would be credited to the spend checking account if certain requirements were met. XXXX XXXX  is a division of MidFirst Bank. 

The requirements entailed that two direct deposits of {$1000.00} or more were made to XXXX spend checking account within 90 days of the account opening. If the requirements were met, then the {$250.00} promotional bonus amount is to be issued within 90 days of meetings the requirements. 

I successfully had two employer direct deposits of {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX to my XXXX spend account- thereby satisfying the requirements to receive the {$250.00} promotional bonus amount. 

Therefore, the latest date I should have been issued the {$250.00} promotional bonus amount was XX/XX/2021, as that is 90 days from the date of the second direct deposit I had ( XX/XX/XXXX ) which would be considered the date that I satisfied the requirements of this offer. 

I still have not received the {$250.00} promotional bonus to my XXXX checking account as of today 's date, XX/XX/XXXX. 

I called XXXX XXXX  on XX/XX/XXXX and spoke to a representative, XXXX XXXX, who told me that she did not see the two direct deposits in my account activity. I told her that I clearly see the transactions within my account history and XXXX asked me to email her screenshots of the two eligible direct deposits to her email address at : XXXX. I did this on the same day, XX/XX/XXXX. Since then, I have received XXXX response or acknowledgement from XXXX. I've sent XXXX two follow up emails on XX/XX/XXXX and XX/XX/XXXX to ask if she received my screenshots and if she can help move this matter forward and confirm that my account clearly had the two required direct deposits of {$1000.00} or more which satisfied this promotion. 

I'm now at a loss due to the lack of assistance or acknowledge from XXXX Bank. It makes no sense to me how the bank can tell me that they do not even see a record of the two direct deposits within my checking account. It is evidently there in my transaction history when I login and view my account from my end. 

XXXX XXXX  has not provided me with the {$250.00} promotional bonus amount that I signed up for when opening my checking account and this is now considered late and the {$250.00} should be issued to me as I successfully completed all of the offer requirements within the timeframe.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (VA)

This Wells Fargo account has been closed over 7 years. According to the Fair debt credit act no account can continue the list on your credit that's bad or closed after 7 years. This company continues to show it and also continues place remarks on the account that's an illegal act findable for up to {$1000.00}. According to US 1692 k Please have Wells Fargo/ homeprojects remove this account immediately it's past the statute of limitations for Virginia
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (DE)

Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter was to settle a debt that was transferred from Cach or Resurgent LLC. Who I found out after speaking with XXXX XXXX that they transferred the debt back to Resurgent LLC. After I had requested a Debt Validation. My main concerns are they have not ever validated the debt that I request, and upon speaking with them they tell me I need to provide proof of the difference but that is their job as they are collecting on this account. I have never received a break down of how they come with the terms of what I owe. They also do not communicate or update me with anything in regards to this account. Not until I spoke with a collection representative named XXXX today XX/XX/XXXX at approximately XXXX that my account had a cease and desist which I did not put on the account. In addition to the debt validation and balance dispute ; When Cach first took over this account in XX/XX/XXXX they never sent me any correspondence informing me this was an attempt to collect a debt or that it was in collections. I had a personal loan with XXXX  or XXXX XXXX and when it had fallen behind I was under the impression I was with an in house Collection or team who would help me get the account in current status and not until I missed a payment is when all of a suddent this collection is on my credit and they demand the full payment or an unaffordable monthly payment. The whole relationship with this collection agency has been falsely represented and unfair from the start and they need to be fined or looked into on their practices. Furthermore, if this is a business who wants to settle or collect on a debt they would have realistic payments and at this point I am being yo-yoed and played with over a debt that could be paid for and settled. I don't know who to work with or make payments to when I do try to agree to some sort of terms.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (FL)

In XX/XX/XXXX, I attempted to correct the last status of a student loan that was consolidated and paid off as of XX/XX/XXXX.  XXXX conducted their " investigation '' and updated my credit report incorrectly ... stating that I missed a payment as of XX/XX/XXXX. This account has been closed and paid in full as of XX/XX/XXXX, therefor I can not possibly have missed a payment in XX/XX/XXXX. Upon submitting a letter provided by the creditor ( New York State Higher Education Services Corporation ), XXXX  notified me that they could not use the letter in question to correct my credit report and that they would contact the creditor to verify again. Now, they are reporting the account to be in collections as of XX/XX/XXXX ... again, this account has been closed and paid in full as of XX/XX/XXXX ( over two years ago ) and a letter from the creditor was provided to XXXX that confirms this. XXXX is willfully not accepting the letter that the creditor provided, and their " investigations '' are not resolving the issue and have cost me 51 points on my FICO credit score. As a result of their willful misreporting of information on this account, I am forced to file this complaint.
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (MD)

I've had a loan out with Money Lion since XX/XX/XXXX I paid off the full balance on or before XX/XX/XXXX. 

That loan has been paid in full and closed and a new loan has been initiated. 
They haven't reported old loan as closed and haven't reported the new loan as open They are two separate loans
Consumer complaint received 2021-10-05
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. (TX)

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.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

Under the new law effective XXXX XXXX, 2017, any public record data must include name and address, along with SSN or DOB in order for it to appear indoor credit file. The Credit Bureau has not updated the information as per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2021-09-10
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. (AZ)

Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, and XXXX at Equifax on XX/XX/XXXX about the unauthorized account and inquires that appears on my credit report I request the following account to be blocked, delete and removed off my Equifax credit report account : " XXXX  XXXX  '' Open Date XX/XX/XXXX Amount {$380.00} Account XXXX, Inquiries " XXXX  Date XX/XX/XXXX '', and " XXXX XXXX-XXXX  Date XX/XX/XXXX " .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be blocked and removed immediately from my Equifax credit report due to my identity been stolen.
Consumer complaint received 2017-11-20
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a credit report attributed to me ( my credit report ) from XXXX and XXXX. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.
Consumer complaint received 2019-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (FL)

Hi there, My checking account at BBVA Compass got charged twice a Non-Sufficient Funds ( NSF ) fee of {$38.00}, totaling {$76.00} due to a scheduled bill payment of {$77.00} on XX/XX/XXXX. However, my account has a balance of {$77.00} on XX/XX/XXXX, which covers the transaction. I contacted BBVA and they said that " BBVA Compass posts transactions to accounts throughout the day, compared to other financial institutions which post at the end of the day. Our real-time system allows us to more closely match the posting of transactions to an account with the timing of the actual transaction activity. Since transactions post to accounts throughout the day, deposits made later in the day may not be available to cover withdrawals that post earlier in the day. An NSF fee will be applied on the business day following any transaction that overdraws an account or if an item is returned due to insufficient funds. '' This explanation is unfair and unacceptable to most customers like me. It is beyond our knowledge to know what kind of internal system a bank use nor it is our responsibility to know that. I have sufficient fund on XX/XX/XXXX to perform the transaction while got judged by BBVA 's unique system as insufficient and got charged a {$38.00} NSF fee. The second NSF fee is even more unreasonable. Because of the first {$38.00} NSF fee, my balance can not cover the bill payment anymore. And I got charged another {$38.00} NSF fee. During the whole period, there is no notification or communication informing me what is going on and on my credit card company 's webpage, it showed the bill was paid. 

Other banks I have accounts with, like XXXX XXXX, even if the account has an overdraft, they will notify me immediately, so I can transfer money in and correct it ASAP. Moreover, they can simply deny the charge if my account has insufficient fund. And it feels ridiculous to me that the second attempt to perform the bill payment transaction at the condition that my balance dropped due to the first NSF fee, which resulting in another NSF fee. It seems to me that its system was designed to charge as many NSF fees as possible. 

I contacted BBVA and requested the full refund of the two NSF fees, totaling {$76.00}. They only refunded one fee of {$38.00}. 

Please help me get the refund for the other {$38.00} NSF Fee. Thanks in advance for your help.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX   account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ...

I need to find out who did they speak to?

how was this information verified?

who completed the investigation from the credit bureaus?

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IN)

CHASE CREDIT CARD 'S FAILED TO DISCHARGE ACCOUNT THAT WAS PART OF A SCAM AND FRAUD INDUCED WIRE TRANSFERS FROM CHASEXXXX XXXX XXXXXXXX AND XXXX. 

IN XXXX CHASE TRYING TO COVER UP DECIDED TO DISCHARGE DEBT AND SENT ME A 1099-C ( CANCELLATION OF DEBT IN AMOUNT OF {$29000.00}. WHEN I DISPUTED THE ENTIRE MATTER AGAIN COVER UP AND IN XXXX ISSUED ANOTHER 1099-C WHICH Cused a problem with the IRS IN XXXX AND WHERE THEY DETERMINED OUR I.D THEFT FRAUD FROM XXXX. FINALLY, XXXX IS BLOCKING ALL CHASE ACCOUNT SINCE XXXX. 

THESE ACTS ARE ALL VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I was one of their customers who was affected by Hurricane Irma. XXXX XXXX did assist us by removing the amounts due and waiving some fees, which I was extremely grateful. Now, as we move bank into the fold of things, my XXXX 's XXXX is having some issues and when I called and spoke to XXXX, she advised that she would send the matter to her manager. It has been a week later and the problem still exists. 

I found our that XXXX removed the XX/XX/XXXX and XX/XX/XXXX 's payments that were due and credit reporting would cease during this time. No fees would be assessed. I would receive statements saying nothing was due and the ones that showed due, would not needed to be paid. I got this information from other representatives I spoke to with other XXXX store cards. 

I got a statement showing {$27.00} was due on XXXX XXXX, 2017. I did n't think anything of it because the website showed XXXX due the entire time. I began to worry when I started getting emails that my account was past due. It showed {$0.00} past due and to pay that amount. It made no sense. I finally got a chance to call and XXXX said that yes, I should n't have received them, etc etc. 

I am still getting notices and the website has a disclaimer at the bottom advising ; Alert : If you 're facing financial challenges, may be able to help. Please call our Customer Care team at XXXX. Again, it shows nothing due. I have screen shots and statements of everything.
Consumer complaint received 2021-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2017-11-21
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 (AZ)

On XX/XX/XXXX I made a {$500.00} payment to Capital One. On XX/XX/XXXX I made a {$1000.00} payment to Capital One. My online account shows {$1000.00} payment on XX/XX/XXXX which does n't make sense. My {$500.00} payment never showed up online. I called customer service several times on XX/XX/XXXX. I was disconnected several times and finally got through after holding 41 minutes. Customer service acknowledged my {$500.00} payment and said it should show up the next day online. I asked about the balance - I track my balance constantly and know the {$500.00} was not applied to my balance. She said it was applied and the balance showing online is correct. I do n't think so. I was very unsatisfied with the customer service. The next day or even today XX/XX/XXXX - my {$500.00} payment does n't show and my balance has n't been adjusted. I did contact customer service again via online on XX/XX/XXXX. I got the same response. They acknowledge my {$500.00} payment but did not apply it to my account.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Around XX/XX/17 XXXX investigated and deleted five errors from my credit report with them. To date they either have not or will not report these deleted items to the two other credit reporting as I believe is required by law under the FCRA.
I need to have these errors deleted from all three CRA, s as I intend to apply for a mortgage shortly Thank you
Consumer complaint received 2021-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NC)

In XX/XX/XXXX we agreed to a Discover Card Direct Pay agreement which would draft XXXX our checking account monthly. We had just been enrolled in the HAMP program and need to stabilize all our expenses. The agreement was for one year. In XXXX of XXXX, without notice, letter or even a call Discover drafted {$430.00} from our account. We called and asked that the above {$300.00} amount be returned immediately. They said no, it was " a past due '' amount. Nothing could be done. In XX/XX/XXXX without notice again, they drafted {$710.00} from our account. We were shocked and called again to no avail. They subsequently closed the account and demanded full payment. Our position is that their Direct Pay agreement does not allow them to withdraw whatever amount suits them. Their credit agreement does not allow it either. We can not believe we are the only ones to suffer this fate.
Consumer complaint received 2017-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Sarma (FL)

I NEVER lived in South Carolina, nor do I know anyone at the address that appeared on my credit report. I do n't even know where this place is, nor have I ever traveled there. How did it get on my credit report as one of my addresses? Also, XXXX XXXX, 2016 ( about the time I noticed a South Carolina address on my credit report ) some company from Texas pulled my credit WITHOUT my permission, nor do I know what they are. It states on my credit report SARMA for XXXX XXXX. Please investigate both of these items and remove them asap.

In addition, XXXX XXXX XXXX is reporting two unpaid medical debts for my XXXX XXXX year old son on MY credit report! Please get this removed from my report asap.
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (VA)

This is a complaint against Wise XXXX Inc . 
Filed by : XXXX XXXX XXXX XXXX XXXX. XXXX, VA XXXX T : XXXX XXXX XXXX I have used Wise XXXX Inc. to wire XXXX EUR ( XXXX USD ) to XXXX XXXX XXXX 
Somehow there was a suspicious fraud and the money were not received by the beneficiary ( XXXX XXXX XXXX ). 

I have contacted Wise to put a trace and refund the amount but they did not. 
When I attempt to file a police report in the beneficiary country. The local authorities requested me to produce the following : - A document from the beneficiary bank that proofs the fund was received by XXXX XXXX XXXX, the document should include the beneficiary company name, owner of the account, account address and XXXX. 

Wise XXXX INC refused to provide me with such proof and asked me to contact the beneficiary bank directly. The beneficiary bank " XXXX XXXX XXXX '' .refused to provide me with any information since the wire was initiated by Wise . All communications have to be through Wise. 

It's highly unlikely that a hacker is able to open a bank account in one of of XXXX biggest financial institutions ( XXXX XXXX XXXX ) in the name of a company XXXX XXXX XXXX  ) without providing a registration documents and ID.
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (LA)

A second creditor ( Franklin Collection a service ) is trying to collect a debt from XXXX disputed this account over a year ago and was removed from previous collection agency. This account does not belong to me, after investigation, it was determined this service was at an address I had never lived.