davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
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. (GA)

To whom it may concern, an update to my Consumer Report was made as of XXXX XXXX XXXX  This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XXXX XXXX XXXX  when I made my first complaint to the CFPB about this account Complaint ID XXXX XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.
Consumer complaint received 2019-10-21
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. (AL)

THE XXXX XXXX XXXX WAS A PAY TO DELETION. 
I PAID THE COMPANY THE BALANCE THAT WAS NEEDED, IN RETURN THEY WERE TO DELETE IT FROM MY CREDIT REPORT HOWEVER IT ONLY CHANGED IT TO A PAID COLLECTION, WHICH IS NOT ACCURATE.
Consumer complaint received 2018-01-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (CA)

I made payments totaling to another collection agency called XXXX XXXX XXXX that had the debt I paid this account in full I have my receipts they did not want to accept the receipts and said I have to pay again this not cool at all I received a call from this collection called a Midwest recovery systems trying to collect on the same loan that has been paid
Consumer complaint received 2017-06-19
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. (CA)

My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed from my credit report.
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank has been harassing friends and family for the last month regarding a credit card account with Victoria 's Secret that has not been paid on since XX/XX/2013. My mother has been called from multiple numbers and also unknown numbers through Comenity even after she asked for them to stop contacting her since it was not my number. Comenity told her they would not stop calling unless I called and requested them to stop. They also have told her my information regarding this account that I did not give them permission to discuss with her. I did call to request to stop calling her and all other numbers but my own and within a week they had called my mother 3 more times. I'm aware I have a debt and needs to be paid. But they have also threatened to sue because I would not/could not pay them when I called about them harassing my family. They have called my father multiple times, and even my mother 's ex-boyfriend whom I have not associated with in almost 15 years. When I requested a letter with my last statement and payment date they refused saying they could only send a letter with a balance I owed, but no breakdown of principal and interest and could not put in a letter when my last payment date was as my account was closed and in archives. I sent a letter to the address they provided me with to obtain this information and have stated they did not receive this and still will not send me a statement. I am still receiving calls myself but will ultimately mail a cease and desist letter if they can not give me this information. Unfortunately even after mailing that I do not think they will stop contacting me.
Consumer complaint received 2024-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/year> a previous tenant sent {$2000.00} for rent money through our XXXX account by mistake. The tenant then contacted us to inform us that he made a mistake by sending the {$2000.00}. We sent him the {$2000.00} back via XXXX with no issue. Unbeknownst to us, the tenant filed a claim through XXXX also requesting his funds be returned. On XX/XX/year> a letter was sent out to us from Wells Fargo. It stated that my husband 's XXXX account was canceled with no further explanation. On XX/XX/year> we received the letter in the mail and reached out to Wells Fargo. It was only then that we were made aware of any claim being filed against his XXXX account. The agent mentioned a recent transaction of {$2000.00} and that's all that she could disclose. The agent said that since the claim was still open, we could reach out to the third party, since we are aware of who the {$2000.00} transaction involved. We heard no further information from Wells Fargo and assumed that there should be no issue since the funds were returned on the same day XX/XX/year>. On XX/XX/year>, we saw a XXXX reversal credit of {$2000.00} taken out of our account. We were pretty upset to see this since there was no other information received from Wells Fargo about a claim. No one bothered to call, email, or send a letter for additional information before removing money from our account. I've had the same Wells Fargo account since they bought out Wachovia which is about 20 years ago. I expect better business practices than to just have money taken out of our account without anyone verifying the reason for any XXXX transaction or what took place. Furthermore, my husband 's XXXX account was suspended as if he was involved in a fraud which never happened. I appreciate the bank 's protection but I also would want accurate details as to why they made decisions about our money without our knowledge. At this point, I no longer wish to be a Wells Fargo customer after such poor treatment to not just myself but my husband as well.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

Spoke with lady at XXXX XXXX she notified me that I moved in in XXXX with the last payment being payed in XXXX from her own words and I only had an 11 month lease I turned my key in to the lady as well with the check out sheet my lease was up. They tried to do the same to my grandfather saying he owed over 2,000 so he went up to XXXX XXXX and they told him that they have had fradulaent activity in house and hired all new employees so they told him they would take care of it but at the end of the day I futilely my obligation and left it in good standing and always payed my bills and never got an eviction letter never got notified of anything being wrong at all so if you could resolve this for me I 'd greatly appreciate it! Thanks again XXXX XXXX
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXXXXXX ) is reporting on my personal credit file with XXXX, XXXX, Experian ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Consumer complaint received 2019-10-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (MI)

It came to my attention during the repayment to mypaydayloan.com, that the loan that they had given to me was illegal in my state of residence. Having already more than paid off the principle balance of the loan, and struggling with their illegal interest rates, I sent them a registered letter revoking their ACH authorization. I also demanded that they cease and desist any and all attempts at collections to this account. This was in XX/XX/2019. They have now contracted a 3rd party debt collector, however, XXXX XXXX. XXXX XXXX calls and makes threats about showing up at my house with legal papers.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had fraudulent charges and my credit ran in my name and I called every single one of the places I 'm about to name about the the inquiries I have from these places and they took my number down telling me they would get back to me and I have n't heard from anyone. I have unauthorized inquires from the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capitol one auto finance XXXX Cap one auto finance XXXX
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (FL)

SunTrust Bank denied me the processing and receipt of a new debit card after it was reported stolen. They told me I would have to receive a text message and answer " credit-application '' like questions. They said they added some extra security to my account but it felt like they were ordering credit products without my permission as they refused to send me a new debit card. I feel like they want me to close the account so they can hide the fact that they actually stole money from me.
Consumer complaint received 2019-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Its been 8 months since i filled this complaint Below and Transunion did not responed or fix problem the problem.

.I check My Credit back In XX/XX/XXXX, I found a lot of wrong information on credit report, I was victim of ID Theft. Which I informed all 3 credit bureaus of this .. I dispute all the wrong information and they remove some and left some the same .I continue ask to send me signed documents of proof of accounts that showing wrong. Which they never provided me proof of any of the wrong information that showing on my report.. I received new report on XX/XX/XXXX and its still showing incorrect information .The accounts listed below. Which the have account showing 30 das late payments. I was never late on any of these accounts, Please help me get this fixed. I always paid as greed on time on all accounts. Showing late on theses dates 1. XXXX XXXX XXXX Acc # XXXXxx XX/XX/XXXX 2 XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX 3.XXXX XXXX XXXX Acc XXXX XXXX XXXX 4.XXXX Acc # XXXX XXXX 5.  XXXX XXXX XXXX Acc # XXXXxx XXXX 6.XXXX XXXX XXXX Acc # XXXX XX/XX/XXXX XXXX 7.XXXX XXXX Acc # XXXX XX/XX/XXXX
Consumer complaint received 2019-10-29
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: CITIBANK, N.A. (UT)

On Tuesday XX/XX/XXXX I got onto my Citibank mobile app and there was XXXX fraudulent charges on my account. 3 for the company XXXX XXXX, totaling in {$360.00}, one charge for XXXX totaling in {$150.00}, I disputed the charges in app, card was cancelled and i was sent a new card. Contacted them via Chat and was told it will take 7-10 business days for the charges to be removed from my account. Then on XX/XX/XXXX i get onto my account, there is now another fraudulent pending charge on my account once again for XXXX in the amount of {$54.00}. I call them they tell me that they are trying to charge the old account and I told them i did not make that charge and they said they will make sure it doesn't go through, today XX/XX/XXXX that charge posted to my account, and there is a second pending charge for XXXX for XXXX, I call them again and they state there is nothing they can do about the pending charge but that they would file the dispute for the first XXXX charge, I then contacted them again over the phone and spoke to a manager and they stated that the XXXX XXXX charges were never disputed and that they will start the dispute. I then call them again and they advised me it will take over 2 months for the XXXX XXXX charges to be removed from my account. It is going to damage my credit score and they are not doing anything to help me.
Consumer complaint received 2017-06-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

RE : Report # XXXX I 'm complaining because Experian have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XXXX. On XXXX XXXX of this year, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting A
ct Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Consumer complaint received 2021-03-24
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. (TX)

Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XXXX  XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I opened a promotional credit c ard with USAA in   XXXX . I made a couple purchases totaling  XXXX  in addition to the promotional transfers. Their credit card terms state o n page 14 section d that any payment above the minimum payment will be applied to the balance with the hi ghest APR. In  XXXX  I paid almost  XXXX  and they applied the excess to the lowest APR and charged interest on the highest APR. I called 4 times and was bounced around, lied to, deceived and told that I was wrong until I spoke to a third level manager who admitted i was right and waived the fee plus calculated what needed to be paid in  XXXX  to stop the interest at  XXXX . In  XXXX  I paid almost  XXXX  and again it was applied in the same manor and I was charged interest. I called ag ain and again got the run around. This time the third level manager could not have cared less. USAA ad vertises caring and customer service and I got the exact opposite. As a  XXXX  vet I expected more from a company that says they will take care you those who served. Instead they word rather jerk me around lie deceive and steal from me. It 's not about the money it 's about the honor integrity and morals of a company. It is clear that  USAA has none of these. We have multiple accounts across our family and we will be closing all of them. USAA will lose at least 6 custo mers for the  XXXX  that they stole from me. Does not seem worth it to me.
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (FL)

I continue to receive calls from this lender unknown identity. By nature of  Fair Debt C ollection s Act t hey are to identify who they are and provide full name and reason for the call. I do NOT answer these unknown calls but block and report them to the  Nat Do  Not Call registry and  Block t hem. I spoke to  XXXX  alleged Manager in Collections who did not offer to reverse the fees. They press for advanced payment even though I offered to make a post dated. Finally when I asked for a manager he agreed.
Consumer complaint received 2017-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (WI)

XX/XX/XXXX amount XXXX the company global service called me at XXXX stating that XXXX XXXX is suing me for a loan XXXX dollars that I took out in XXXX they said I paid a check to them and the check was no good. <P/>I never took a loan out to them and they are threaten to sue me for fees and court fees.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MD)

A balance transfer in the amount of {$1000.00} was supposed to post to the account from XXXX XXXX XXXX XXXX to this account. The balance transfer never posted and XXXX XXXX advised the payment was sent electronically in XXXX and that citi bank needs to verify the payment.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (SC)

My accounts was closed as a result o f Card Security igno ring my requests. I received a letter from  XXXX   XXXX  which never addressed the closed accounts and the effect that It had on my credit. I also uploaded the fax confirmation s to Card Security sh owing that the information was sent and was received without error. You addressed all the open accounts but never addressed the ones that was closed when you consider I submitted this information  to Card Security at t he beginning of  XXXX /2016 and it took them months to pay. To date they have not paid  the Belk  ending  XXXX  and I have submitted t his information to them repeatedly to no avail. TJ Maxx was closed as well as a few other accounts. You did a partial research into this matter but I need the date my information was submitted the FIRST time   to Card Security and the time it took them to process my information. I have the fax confirmations to prove that it was sent to them but they claim to never have received it and did not proce ss it until my accounts were closed. They had a month to process my claim and nothing was done! I do n't know if I am a liability that they did this for my account to close or not but I think it is somewhat suspicious.
Consumer complaint received 2017-06-19
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. (AL)

I sent Experian a letter on  XXXX   XXXX ,    2017  via Certified Mail stating that there was a Public Record on my report for Bankruptcy, that needed to be removed because it was inaccurate. They in turn, sent a letter back to me dated  XXXX   XXXX ,    2017   ( w hich I did not receive until  XXXX   XXXX  ) stating that the record had been verified and would remain on my report. They did not state how the information was verified, which poses a huge problem. The letter that I sent included a letter from Alaba ma Federal Court stating that they do not provide Public Record information to Credit Bureaus. This record information was not obtained from the court, and should be removed from my credit report.