davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
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. (MD)

On XX/XX/2020. I mailed a letter to experian demanding that the XXXX XXXX account be deleted from my credit file immediately because the balance and date of last payment is currently being reported inaccurately. The balance is incorrectly being reported at {$150.00} and the Date of last Payment is being reported as XX/XX/2020. BOTH OF WHICH IS NOT TRUE ... ..NOT ACCURATE ... ..THIS IS FRUSTRATING!!! At the conclusion of Experian 's investigation, on XX/XX/2020, Experian has chosen to let this inaccurate information remain on my file and continue to report this negative/inaccurate information in spite of me sending in physical proof.
Consumer complaint received 2016-09-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

While checking my USAA Federal Savings Bank checking account it was noticed that a person I was married to approximately thirty years ago was designated as an authorized signature on my account. This was done by USAA Federal Savings Bank without my consent and I was not notified by the bank. 
I called USAA Federal Savings bank and asked about this problem. I was told the Bank had a computer glitch and they had taken care of it, BUT some accounts had fallen through the cracks and I was XXXX of them. 
No apology, no compensation for violating the trust I had placed in that institution. 

I am not certain if I filed this complaint at an earlier date, but I have no record of a response from the Consumer Finance Protection Bureau.
Consumer complaint received 2016-03-03
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I 'm unable to make the large biweekly payments. I called Ace Cash while in good standing to negotiate lower payments in order to make sure the loan is being paid and to avoid default. 

I was told by the customer service representative that I would need to default on the loan in order to make payment arrangements and that my best bet would be to work with their collections department. 

They are setting borrowers up to fail by pushing them into default. I should not have to beg to pay off my debt.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX NA-Date of XXXX XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

There are several Inquiries on my Experian Credit Report, I have spoken with both the Credit Bureau and Original Creditors but have not been helped. I have continuously been bounce back and forth between the companies and Credit Bureaus. This is unacceptable and I would like all inquiries removed ( as they are all duplicates ).
Consumer complaint received 2022-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good Morning : I had a Bank of America account and was maliciously overcharged on interest rates. A number of companies maliciously stole my monies every month for over 5 years. They maliciously stole my money and never offered me a refund as my Services were never rendered. 
I complained about money that never got delivered properly. 
I would like to report Bank of America as they closed down/shut down over 5 locations. 
I now have XXXX dollars and am upset. 



XXXX XXXX, XXXX
Consumer complaint received 2023-03-28
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. (TX)

For a number of years I've been going back and forth with these credit reporting companies trying to get them to remove obvious fraudulent accounts from my credit reports. I was told you guys could assist me in getting the resolve I need. My information was compromised in the Equifax data breach a few years ago and it's been XXXX ever since trying to get accounts removed. Pls assist me in removing the accounts and inquiries listed on my FTC reports.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a new capital one 360 checking account to earn the {$400.00} bonus. I completed all of the requirements. One day, I used my wife 's phone to sign into my account, or tried to, since I didn't have the password saved on the device I was using I made multiple failed attempts to sign in and they flagged it as " unsecured '' and told me the security of my account had been compromised. I tried to call to explain and regain access to my account, but they instead closed my account. The whole situation didn't make any sense, I filed a complaint previously, but there is a new piece. They deposited the {$400.00} bonus into my account and I am able to see the funds in my account. I even receive monthly statements, for several months now. They are refusing to give me money that belongs to me, that is in my account, and is even earning interest. I've called many times, but they refuse to send me a check.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

Dear sir/madam, as I was going through my credit report on EQUIFAX, then I noticed a negative report on my credit. The negative report was from a Company called XXXX any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. XXXX I have never had any account with XXXX. XXXX They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX or any of their affiliates should remove such negative and false statement from my credit report
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, my name is XXXX XXXX and i have been trying to figure out what is wrong with my information at Transunion. I am unable to receive my credit score/report from them because i suspect that some of my information is wrong with them. I am able to receive my credit score/report from XXXX and XXXX but am unsuccessful with Transunion. I suspect that because of this problem with them i am unable to be approved for credit at numerous locations including retail stores. I have called Transunion countless times and they ca n't do anything about it over the phone. They give me information saying they 're going to talk to their " IT Team '' and there 's nothing else i can do. A lot of time has passed and i have received no response or any information regarding the status of my credit report or why i am unable to get a credit score/ credit report from them. I would like for this to be resolved so i can receive a credit report from them and have no further problems involving wrong information with their bureau.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2016-08-17
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (KY)

I have been contacted by XXXX XXXX for a debt I owe to Synchrony Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX *********** at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX
Consumer complaint received 2016-09-30
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kirschenbaum & Phillips P.C (NY)

Kirschenbaum, Phillips & Levy P.C. in an attempt to collect a debt they have illegally placed a levy on our checking account. My family has no access to funds to pay for childcare, diapers etc. Kirschenbaum & Phillips did not have the authority from XXXX University at the time of their banking hold to work on their behalf. They were operating without consent of XXXX University and withheld access to my banking accounts using outdated documentation. And while doing so, attempted to collect over {$20000.00}. Over the course of four business days, they told me XXXX different amounts of money that they HAD to receive before being able to remove the hold on my accounts, and went so far as to demand pay stubs and banking transaction information. 
We have been in contact with the original debtor and they have stated that they no longer have a contract with Kirschenbaum , Phillips & Levy P.C.. However, Kirschenbaum, Phillips & Levy P.C. refuses to release the hold.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma (MD)

On XX/XX/year> I received my Tax Advance Loan from Credit Karma money for {$3000.00}. After taking XXXX hours to access funds because the process to update a phone number requires a birth certificate and photo id. I was truly excited to spend some time with my kids and pay some debt off. I attempted to add {$1000.00} to my XXXX XXXX account because I lost my Credit Karma card and this is how i used the funds last year. 

Unfortunately when I added {$500.00} it triggered a fraud alert ( not sure why if the limit for my account is {$25000.00} per week to add funds - SCREENSHOT ATTACHED ). So I decided to send it to my daughter XXXX XXXX XXXX to send it back to me. I sent XXXX XXXX {$500.00} transactions. I told her to keep {$200.00} and I added {$200.00}. I made sure the card was locked and put my phone on the charger. While I was getting dressed my daughter received at least XXXX alerts that I was disputing transactions on her XXXX XXXX totaling {$520.00} and the {$200.00} she kept in her XXXX XXXX  was gone ( her card was locked as well ) ; and the remaining funds was taking out of her personal checking account through XXXX XXXX XXXX XXXX XXXX. 


I received a call from XXXX XXXX stating she received an alert I was disputing {$50.00} and another gentleman I bought perfume from outside reached out to me for a {$45.00} dispute. Everyone was extremely upset with me, not only did I not dispute any transactions the funds were deducted from there accounts immediately causing extra fees. XXXX XXXX states her XXXX XXXX account was deemed fraud now she wont talk to me anymore. THIS IS A NIGHTMARE. When I looked my phone the {$1200.00} in my account was GONE!! I am a single mother with XXXX kids facing an eviction. This could not come at a worse time. My daughters XXXX XXXX card was locked as well. Not sure what the LOCKED FUNCTION IS FOR IF THEY CAN JUST STEAL YOUR MONEY. 

I contacted XXXX XXXX  immediately via chat ( SCREENSHOT ATTACHED ) after all these transactions. The representative stated they could not see what I was talking about. Funds were never added back to my Credit Karma account. I found a number for XXXX XXXX. The first representative said they could not see anything and if the funds were declined the money would be sent back to the merchant. Called Credit Karma Money they did not have any record of what was going on either. Called XXXX XXXX  back, a gentleman advised me of a dispute on a XXXX card XXXX. That is my grandmother 's account through XXXX XXXX XXXXXXXX. They stated they took my money to resolve a dispute through XXXX XXXXXXXX XXXX. 

This unacceptable. My issue did not meet the criteria for a provisional credit. I contacted XXXXredit Karma. The representative advised to file a complaint.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX XXXX
Consumer complaint received 2019-02-25
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: Innovis (IL)

I am seeing a hard inquiry on my credit report that I do not recognize at all. I have no account or have not even heard about Cbcinnovis. This inquiry could stay on your report until XX/XX/2021. I believe it is an error and should be removed from my credit report. I also believe Cbcinnovis should delete any personal and confidential information they have about me on file. 

Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (TX)

Last year, Equifax had my information mixed with someone else and as a result I had them remove and fix it. I recently applied for an apartment and I was rejected due to a bad credit score. I checked my recent credit report and everything seems to be in order but my credit score is still bad. I have no debt and paid off all my loans so I do not know why the score is so low. I can not get a hold of a person who can help when I called Equifax and kept getting transferred back and forth and was on hold for over XXXX hours.
Consumer complaint received 2015-09-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (AL)

I have ben receiving calls from XXXX XXXX saying they were representing Providian National Bank on a debt that I supposedly owed from 2000. I do not recall this debt and if I had this debt, it has been 15 years. I have been receiving harassing phone calls day and day out from all kinds of numbers.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2020-11-02
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: EQUIFAX, INC. (NV)

On XXXX I mailed out a dispute to XXXX, XXXX and Equifax. I included a legible copy of my ID, SS card and proof of my mailing address. I mailed my dispute letters via certified mail and I did receive a confirmation that they were received by XXXX on XXXX and Equifax on XXXX. But to date, I have not received any response from XXXX or Equifax. I would really like to know : 1. What is the status of my disputes received by XXXX and Equifax? 
2. Why have I not received a response to my disputes? 
3. When will I receive a response to my disputes? 
4. What recourse do I have since I did not receive a response in a timely manner? 
I know with COVID-19 that there may be some delays, but at this point it has been more than 2 months and I think that I should have received some kind of update by now since I know I am supposed to receive a response within 30 days.
Consumer complaint received 2017-03-03
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Bread Financial Holdings, Inc. (TX)

I paid {$420.00} for a retreat, but immediately attempted to cancel it ( within the hour ), through PayPal. The reason for the cancellation was because certain details about the event made it difficult for me to attend. These details were revealed only *after* payment was made. I spoke to Paypal who suggested that I speak with the merchant about getting a refund. Through email correspondence, the Merchant agreed to a full refund. I provided Paypal proof of the email conservations I had with the merchant, granting full refund of {$420.00} but to this day, PP has refused to honor the refund. In addition, the purchase should have been eligible according to PP Buyer Protection refund policy. Also, the immediacy of my dispute was way in advance of the event and should not have posed an issue with PayPal or the merchant to reolve the issue. If anything, the transaction could have easily been written off as an incomplete. As clearly shown in email correspondance, the Merchant recognized that leaving out certain event scheduling details, could mislead customers and therefore, in my case, became an unusable product. I used PayPal for such transactions as a way to provide me with protection and resolve any disputes. I expect this amount to be refunded and retrieved from the vendor or PayPal in a timely manner. Thanks in advance for CFPB 's assistance.
Consumer complaint received 2015-09-08
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC. (TX)

Lender called my mother stated that if I did not pay {$600.00} I will go to jail. When I tried to get information regarding the account They stated the file was forwarded to the state to be processed and hung up in my face. Refused to give me any information regarding the loan. He stated his name was XXXX XXXX and he was very rude and unprofessional also stated that you people never learn before he hung the phone up in my face.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (NY)

We are an attorney 's office who represented a client seeking mortgage assistance. She received a modification trial offer and has made all her payments on time. I have been following up with the lender for over a month for final documents and was told on XXXX XXXX, 2016 that they had no authorization for me ( despite working with me to get the mod ). I sent updated authorization and had to wait for them to apply it to the account. Now they tell me that the final documents went to our old address the day after I called in and was told we had no authorization on file, and the deadline to return the documents was on XXXX XXXX. I told them that the docs were not received, and they will only give me until XXXX XXXX, 2016 to return the documents ( that I STILL have not received ) back to them, or they will pull my client 's modification and make her reapply. I specifically asked for a supervisor 5 times in a 45 minute conversation and was refused XXXX.