davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (OH)

On XX/XX/2021 I made a purchase of lottery tickets in the amount of {$90.00} and in the same day of another {$10.00}. This was done at a convenient store near my house. I checked the history of my account as I usually do through the on-line banking and noticed 2 separate fees of {$15.00} each coded as " cash advance '' fees. I immediately contacted customer service on XX/XX/2021 and the representative explained the reason why I was charged was due to the convenient store running the card as a " cash advance ''. I have never used my card as a " cash advance '', and specifically on XX/XX/2021 I used it to purchase those lottery tickets. I asked for the fees to be refunded but I was further instructed to call the store and ask of their policy on lottery tickets purchased on a credit card. I went to the store in person and spoke to the owner, who was completely unaware that a cash advance fee would be charged to my credit card. There were no signs in the store posted regarding a fee that may be charged or to check with the credit card company for further guidance. My wife who is an authorized signer on my account called FNBO customer service and requested to speak to a manager. She spoke to XXXX ID # XXXX who said that the fees are non-negotiable and unfortunately she can not refund cash advance fees. Our FICO score is over XXXX, we pay our balances in full every month and we asked to have the fees refunded as a courtesy. XXXX XXXX explained that there isn't anything she could do and we would have to pay those fees. She also explained that we should read the terms and conditions of the account for cash advances.
Consumer complaint received 2018-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AR)

Diversified Consultants has violated the Fair Debt Collection Practice Act, section 809 ( a ) ( b ). This account was opened or established without my knowledge or consent. Diversified Consultants provided no initial communication within the five days of any collection attempts regarding this debt. In addition, Diversified Consultants has failed to provide any original copies of verification obligating myself to this debt. Since Diversified Consultants has not been able to provide strict proof of verification, collection efforts must cease and this account should be immediately removed from all three major consumer reporting agencies
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, XXXX and XXXX needs to update/correct my consumer file with Correct name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Correct DOB : XX/XX/XXXX Correct employer XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Correct Accounts : XXXX XXXX XXXX  Dated opened XX/XX/XXXX XXXX - as paid off XXXX XXXX  Date opened : XX/XX/XXXX - $ XXXX-as paid off XXXX Dated opened : XX/XX/XXXX XXXX $ XXXX as paid off XXXX Dated opened : XXXX XXXX - $ XXXX as paid off The fact that these credit agencies assumed the role of reporting different information is why I keep getting denied for credit. I want to finally purchase a home and need my info to be accurate on my consumer report at each credit agency. 

They have reporting inaccurate information since they assumed the role in XXXX I need my consumer report to be accurate now.
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I found out today ( XX/XX/XXXX ) via an email ( attached ) from Bank of America that it closed my credit card, one that I have had since XX/XX/XXXX. I called the Bank to find out why they closed my credit card and was transferred several times, before someone could respond. But, that person merely said it may have been due to primarily making minimum payments on my credit card ( but I also typically make large payments periodically throughout the year ) and also may be due to certain other " metrics '' that didnt seem to pertain to me. He listed several possibilities, none of which applied to my historical credit patterns. I have not been late on this credit card or any other loan for years, except this month. I was three days late on the payment to the Bank of America credit card this month. The payment was due on the XXXX and I paid it on the XXXX ( it posted on the XXXX ) - a simple oversight that has not happened for years and would not have happened if Bank of America had an intuitive automatic payment system and if I wasnt in the process of moving. My current credit report shows a perfect payment history on this and my other credit cards and loans. Also, I am not maxed out on any of my credit cards I maintain less than 70 % average usage of my revolving debt. Ironically enough, I received a mortgage offer ( also attached ) from Bank of America just this morning, before I received the email that it closed my credit card account! My primary concerns are that this account closure, through no fault of my own, will hurt my good credit score, which I have worked hard to maintain, and that it will prevent me from obtaining credit at a fair interest rate going forward. As this is one of my oldest accounts, it is sure to have a major impact on my credit score. Lastly, I can not help but be concerned that this is an act of discrimination on the basis of my XXXX surname because I see no sound business reason for this action.
Consumer complaint received 2022-09-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I returned the car back to the Toyota after my divorce back 2018 they sold the car a week later now they charge me for the monthly remaining balancing for the lease and storage I'm trying to do arrangement with them because they told me it won't be the problem because I made a decision to return the car by myself. 
I'm not going to pay for the storage and for the remaining balances for the lease because it was not repossession by Toyota it was a voluntary return.
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I had to send euros to a specific bank account to verify an account, this was so I could withdraw my money from the Coinbase account.

Its now been over two weeks with little to no response from them and the account is verified. They state it will take one or two business days. Its been 14 and no response.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-08-23
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. (FL)

XXXX services was sold my 2nd mortgage account from XXXX XXXX. I filed bankruptcy and it was discharged in 2009 with XXXX. XXXX services refuses to remove it from my credit. The joint on the loan has since filed bankruptcy again. 

Account # XXXX The : XXXX XXXX XXXX XXXX , Customer Support Unit, XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX : ( XXXX ) XXXX
Consumer complaint received 2015-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is an XXXX debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

Conns has been repeatedly calling my husband and myself after I have asked them not to. I paid my balance in XX/XX/2022. They are calling telling me that I paid everything but {$60.00} and now I owe {$200.00} because of accrued interest. I offered to pay the {$60.00} that was apparently owed and they dont want to accept that. This balance was paid 6 months ago and they did not contact me for the first time until XXXX. Ive spoken to SEVERAL different representatives from their company and asked why it took them sooo long to contact me. I have repeatedly asked them to stop calling me. They are calling my cell phone, my husbands cell phone and my work #. It is getting out of hand!
Consumer complaint received 2023-03-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (TX)

Pretended to be law enforcement to collect a debt that I have already paid. This debt was taken from my account years ago by original owner. {$680.00} debt has been readded to my credit report stating it was from 2 months ago and it was from 9 years ago and paid. Threatened to sue me. I received a letter that it would be removed but the letter stated XXXX XXXX and on my credit report it states XXXX XXXX!
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In 2009, I graduated from XXXX XXXX XXXX XXXX XXXX. I earned XXXX Degree of XXXX XXXX, which is a four year degree. This institution double billed me. This school also is affiliated with a XXXX school called XXXX XXXX University. They double billed me for both schools, even though I never attended XXXX school. A couple of months ago, I applied for a loan and found out that much of the information in my credit report is incorrect. When I filed a previous Consumer Protection Complaint, the loan servicer falsely claimed to CFPB that I withdrew from XXXX school. I am paying for loans I never received. I never attended or withdrew from XXXX XXXX University for XXXX. It appears that these two educational institutions defrauded me when they charged me and billed me twice. They received so much federal funds which I never saw or received.
Consumer complaint received 2017-08-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP (ND)

I had pay day loans with a place called Continental Loans. When I lost my job I could no longer pay what was due and I explained this to them. They at the time said they would make it a charge off. Which it did appear as a charge off. A few months later they sold the debt to XXXX XXXX ( a bottom feeding collection agency ) and they have harassed us for going on 2 years about this by calling several times a day despite us asking for communication in writing only and they continue to report this to the credit monitoring companies so it appears every month or so on our reports to knock them even lower. 

We debt was paid and we do not owe it. We took XXXX XXXX to court several times and had this dismissed. At one point we even had a lawyer sue them for making false threats of imprisonment, arrest and warrants against us and we were awarded {$1000.00} for the harassment. 

We just want this place to stop bothering us and let us clear our credit up without having them constantly hounding us and putting things on our credit report.
Consumer complaint received 2018-06-22
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. (IL)

I have disputed with Experian three times. Each time I have asked for verification of items on my credit report. I have not received how they performed the process. I have asked. I have letters sent by certified mail and their response. The last time Experian responded they told me they verify but did not provide it. That is not what the FCRA extends to consumers. Also, I did not receive it in fifteen days as per  FCRA. I did receive a response but not verification. If they have the records it is my understanding that they need to provide it when I ask. I do not owe XXXX XXXXXXXX XXXX anything. They have not verified with me either. I refuse to pay a debt to a collector I have nothing to do with. I also refuse to pay a debt I do not have proof is mine. If this debt is mine I want proof and they have not provided it. My letters have been specific. A debt that is not reporting correctly is inaccurate. should I have said that? I have included the last letter with Certified Mail # it also contains the second letter I sent Experian as it's like they just tossed it in the trash.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (IL)

XXXX report showed joint responsibility for a mortgage that has been assumed by my wife. I filed a dispute XX/XX/XXXX and received notice it was completed today. The item still remains on my credit report showing joint responsibility but with a note that shows I disputed it. I have documentation from Wells Fargo explicitly stating that I am " hereby released of any financial obligation. '' That is not a description of joint responsibility for an account.
Consumer complaint received 2024-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2018-06-23
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (MI)

I have a Citibank Student loan account on my credit report that continues to lower my score and I have never received any letters or notification about this, it has just appeared on my credit report. The student loan in question is past the statute of limitations, but hasn't appeared on my credit report before this.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (NY)

On XX/XX/XXXX i lost my phone on a taxi my phone didnt have password at that moment because i was doing something before i lost it that required me to disable my password and i forgot to put it back well i lost my phone and and as soon as i got home i call all my credit card and bank company to let them know that i lost my phone and wallet so to close my account since they may be compromised that when the told me that someone withdraw XXXX dollars using my cash app because it was linked to my bank account i told them that i wasnt me that it just lost my phone they told me to contact cashapp and i when i get in contact with them through a chat because you cant talk with a person by a phone call they told me that they didnt saw any error i told them that of course not because the person that did that did it with my phone that i lost anyways they told me that since they dont see any error they cant do nothing when they should it just reverse the transaction and take the money from the othet person account so i was victim of fraud and they or the vank dont eant to reme my money
Consumer complaint received 2022-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient is attempting to reach out to me to repay my student loan, even though the freeze on student loan payments runs through the end of the year. Navient is well known for predatory practices, and this is just another report of predatory collection practices in an attempt to circumvent the law.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I Mailed A Notarized Copy Of My Inaccurate Information To Equifax In XXXX And Then Followed Up With Another Letter On XX/XX/2021. 

I Did Not Receive Any Replies Back And No Changes. 

By Law, They Are Supposed To Reply Within 30 Days.
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I have had constant issues with dealing with XXXX XXXX. I have 4 accounts with them and the only one they are messing with is the XXXX XXXX XXXX store card. I am on a deferred interest plan with this card, not any of the others. I make my payments on time, or so I thought. I made a payment on the due date on XX/XX/XXXX. They charged me a late fee of {$27.00} and added a {$2.00} minimum interest fee claiming they received the payment on XX/XX/XXXX. I provided a copy of my confirmation email showing the payment was made in the MORNING around XXXXPT for the card, which is well before the cutoff time for the same day payment. After about 6 messages and several calls to the company, they admitted fault and removed one late fee. They refused to removed the interest charges that THEY caused due to their system mess up. I have repeatedly asked them to remove them and they are ignoring my messages. They won't even acknowledge my attempts to contact them. I received ANOTHER late fee on XX/XX/XXXX and another on XX/XX/XXXX. I was under the impression that my account was on automatic payments, since I called into the company in XX/XX/XXXX and the representative with a woman with a husky voice who got my bank account information and said she set up automatic payments for me. She did not. XXXX XXXX did not address my requests for answers but rather just told me " auto payments are not offered for my account. '' I again requested an explanation and demanded that they pull my call since I now don't know what happened and what that women did with my bank account information, which is a huge liability for me. I demand answers and I demand that those late fees and ALL interest fees on the account be removed immediately and fix the problem with their system and their lying reps! They are demanding I pay the late fees and interest first before anything else even looking at my account. The phone representative would not budge at even going over my account until I paid them
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

I have been using cashapp for over 2 years. The last year receiving my direct deposits thru cashapp. I am trying to withdraw my remaining amount of currency from my cashapp account to my checking account and cashapp is refusing to release my money.
Consumer complaint received 2023-02-07
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. (MI)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX