davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK (OK)

I have a Discover credit card and Discover banking account. The Discover banking information was removed from the Discover credit card account as a payment method. The credit card company is still trying to take it from the bank account, even though I ( even though the payment has been made ( from an account that is not with Discover ) ) removed it, and I have a confirmation email saying the payment method was removed ( Wednesday ) Today, which is Friday my account is now XXXX, showing they have tried to take it out once again. 


I have tried to talk to fraud about this both from Discover bank and Discover credit card. The Discover credit card fraud lady, XXXX, said the last 4 numbers of my credit card is incorrect, which it is not.. Something is egregiously wrong, and they are not willing to solve it. 
Basically the credit card side is continually trying to take money from my bank account when the payment method ( which was the bank account ) has been removed ( again, I have the confirmation ) and it was not an automatic payment either. 

Also, 2 weeks ago from today I could not get into my bank account and they tried to blame it on me. 

I talked to them the week of XX/XX/XXXX XXXX. 
I received an overdraft notice on Wednesday, XX/XX/XXXX, and removed the bank payment method from my credit card account once again on XX/XX/XXXX. Today, which si XX/XX/XXXX, I received a notice saying payment I tried to make from the account wont go through? I have not tried to make any payments from this account (? ) I especially think something fraudulent is going on now because the fraud lady said the last 4 of the credit card number I gave her was incorrect, it is the same number on my card. Also, because I had to change my bank account number a couple of weeks ago, it would not let me in even though it was the correct number. I believe I also talked to them on XXXX as well. 
Also, when I opened the account online and I called in to ask questions one of the reps asked for my full social, which I dont give over the phone-especially since I have learned they are working from home. I complained and was given a new card, but that still does not fix things because I dont think they needed that I had the code or number from when I opened it ...
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED ACCOUNT THAT I HAVE REQUESTED REMOVE DO TO FRAUD RELATED ISSUES. PLEASE DELETE : XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

Please see closed CFPB complaint XXXX-XXXX  wherein Chase has patently lied to the CFPB claiming that they have responded to me. They 100 % have not. What they have done is have someone call me twice *presumably* regarding this complaint. Why do I say presumably? Because the caller refuses to tell me that they're calling about this complaint. 

In point of fact, in both cases, the caller refused to discuss the problem *at all* with me claiming that they " can't validate me. '' In further evidence that the problem is not resolved, my business banker, XXXX XXXX ( XXXX ), is supposedly on a phone call tomorrow with a VP in the Chase Fraud department to again attempt to resolve this. My understanding is that Chase Fraud 's position to my banker is that they are still " awaiting return of funds from the vendor. '' I'd point out that it's no surprise they're waiting as last I knew, " the vendor '' was in jail on both XXXX 's warrant related to this fraud and the separate {$800000.00} warrant from his prior employer. 

I'd further point out that Chase had the money twice and chose to return it to " the vendor '' despite having foreknowledge that there was a pending criminal complaint for the issue at hand.
Consumer complaint received 2018-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

Creditor American Express is already aware and have coded account ending in XXXX for my deceased mother located at : XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Specifically, authorized user : XXXX XXXX ( daughter ) card XXXX XXXX XXXX, should no longer be reported to credit agencies : XXXX  , XXXX or XXXX or any other credit reporting repositories.
Consumer complaint received 2018-07-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (SC)

I began paying for my loan with Wells Fargo this year and it is over {$910.00} a month.i borrowed {$45000.00} and now with interest is over {$90000.00}. I am have a hard time paying the loan each month and Wells Fargo would not take off interest or reduce payments. Its over {$910.00} for 15 years. Please is there any way you can get the balance lowered so the payment will be smaller please?
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (GA)

Experian will not delete a collection account that does not belong to me. I have disputed this item 4 times but nothing has happened I have asked for validation of this item with no cooperation in the matter. The account listed in collection is XXXX. The original creditor no longer owns the property so they refuse to help the collection agency is not responding to the request to validate this debt. I've sent paperwork from the court that proves this item is not mine which has been forwarded to experian for deletion
Consumer complaint received 2018-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

I lost my job in XXXX and started working again in XXXX, my pay was cut by 3/4 but I took what I could get. XXXX called me over and over and I explained all this to him and told him Id pay when I can. Last Friday I told him I was meeting with an attorney to file bankruptcy and provided him with the attorneys information. XXXX began to call me again yesturday 3 times and today twice within 5 minutes of each other. I have the voicemails saved including the times they called.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-07-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (MI)

Since XX/XX/2017 we have been trying to get our payment lowered by having the loan modified through the loss mitigation process. It took almost 9 months for a approval. They kept asking for paperwork I had already sent. While they wait for that paperwork other paperwork was out of date then they would request that again. I had to send them a hardship letter 5 times and pay stubs all most 10 times.I have fax confirmations. Our attourney sent the paperwork and authorization and they said they didn't have it at all. So I complained to the state and assigned someone then o got a approval. Then the trial period started and rather then lowering the payment everything increased.They said the reason is because of the back pay. So I filed a hardship with the state now it was current and we just needed it processed. Now we have to start over and now they are playing the paperwork game again and now we have a 30 day late payment. And they still have not explained the fees they charged and can't .Its just money they took from me.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I had a balance of {$10.00} in my account and made a transfer using XXXX from another banking institution in the amount of {$25.00}. After I made the transfer I made a debit card purchase using my pin for {$32.00} and it successfully cleared. This morning I noticed my account had an overdraft fee of {$34.00} because the XXXX transfer was still pending. I feel that it is unfair to have been charged this fee because simply, if the money was not available to use, my debit card should have been declined. I called Chase bank and they explained that I did not meet the cut off time for funds to be available same day. While this explanation makes sense, what does not make sense is how I was allowed to use my debit card with my pin while the funds were not posted because I did not meet the cut off time. I am certain that many people have been in this situation before and it is unfortunate that Chase bank is taking advantage of customers with obscure transaction processing methods.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

A couple years ago I applied for a credit card and got denied. After investigating, the company approved the card because the only thing that was preventing it was the verification of my identity that the company Lexis Nexis is provided could not verify it. I called and received a full public record file, which has hundreds of mistakes and requested to fix them. Today I applied to a lease company and the same denial happened and once again Lexis Nexis caused that because my identity is not unverifiable. I was told to get a full public record file again. It is unacceptable that companies that are supposed to verify identities have mistaken and that it will cost me money and time to fix it. Private for profit companies should not be able to profit from people 's information.
Consumer complaint received 2018-10-28
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. (OH)

I went to XXXX XXXX College in XXXX XXXX Ohio in 1994. I was told by the school my grants covered my school. After i graduated I started receiving bills for XXXX. I have fought this tooth and nail, and because I was young back then i gave up on the fight because it was stressful fighting these collection agencies. After being refused credit for years i decided to call the XXXX XXXX XXXX XXXX company and ask for a copy of promissory notes totaling the XXXX, and what i received in the mail is a blacked out piece of paper that was ineligible to read, that said " sorry best copy we have '' It stated a loan for what looks like {$3500.00}, and someone had written my social security number on a piece of paper and taped it to the top of the copy. I immediately contacted them and said this is not sufficient and I do not owe XXXX and i want it removed from my credit report. They then sold the collection numerous times to so many collection agencies that now it is duplicated on my credit report and says i now owe XXXX. This is an injustice of the reporting bureaus for not actually verifying or correcting the duplicates on my report, let alone saying I owe a loan i do not owe. 
I have recently contacted all 3 credit bureaus via certified letters for each student loan collection account and duplicated collections. Each one said they verified I owe it and i know they did not verify it. I asked in the certified letter for signed documentation of the loans or please remove it from my credit report. They did not send me any signed documents and only updated each account saying it has been verified. Also another issue is, each collection agency has posted that i have been making payments on the account every few years in a blatant attempt to keep this on my report another 7 years. Im absolutely ready to file a lawsuit against each collection agency and the credit bureaus. They have ruined my credit for 25 years. I need help, this has been impossible to deal with due to selling the collection to so many agencies and none of them will remove it. Ive called them, only to be yelled at and told I need to make a payment. By the way each time i call a collection agency, they hurry up and sell it to someone else. This should be against the law, and probably is.
Consumer complaint received 2018-02-17
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I referred a friend to American Express. The terms and conditions clearly stated that once the referred person applies and gets approved, American Express will post the bonus points to my account within 8-12 weeks. In the past, American Express posted the bonus points immediately after the referred person gets approved. I didn't see any notifications from American Express after the person I referred got approved for 2 cards. They are as follow : XXXX points for American Express Hilton Aspire at XXXX XXXX XXXX XXXX XXXX points for American Express Blue Business Plus at XXXX XXXX XXXX XXXX XXXX The last name of the person I referred was XXXX. 

When I called to inquire about why the notifications weren't sent, the rep claimed that she already sees the email sent by American Express to my friend. This was not correct information as my friend received the link directly from. So, I asked to be transferred to a supervisor. This was on XX/XX/. The supervisor I spoke to was XXXX XXXX from Agent ID XXXX in XXXX XXXX. He claimed that in order for me to get the bonus points my friend needed to do the spending requirement, which was not mentioned in the offer 's terms and conditions. I read the T & C of the offer to XXXX, but he still claimed that my friend needed the do the spending requirement. I asked XXXX if he could read the T & C to me, but he kept dodging around claiming that Every referral offer has a different T & C!!! When I asked him to escalate, he refused. I demand a full investigation of this incident as American Express CS reps are clearly deceiving customers by purposely giving the wrong information.
Consumer complaint received 2022-10-15
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: SYNCHRONY FINANCIAL (FL)

lowes submitted a credit app without my approval, bank agreed and stated they would remove inquiry. it has been 4 months and still has not been removed. you handled my previous dispute.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (MI)

I have unauthorized inquiries reporting on my credit report that I didnt authorize or approve and I would like them removed as soon as possible because they are fraudulent. The following inquiries are not mine and I dont recognize them : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-15
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: United Shore Financial Services, LLC (CA)

On XX/XX/2022 I sent in a XXXX dispute letter to XXXX stating that the item United Wholesale Mortgage do not belong to me and I would like for them to verify the information showing that it does belong to me. I received a response from XXXX on XX/XX/2022 stating that item was Updated and remains on my credit report.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (OH)

Key Bank, XXXX Ohio. Account ending in XXXX On XX/XX/XXXX using a 3rd party ATM I withdrew {$100.00} from my checking account. What I did not realize was that this caused an overdraft of {$72.00} since this was not my main checking account. When I next attempted to withdraw money the ATM told me there were no funds available and I assumed that the account had gotten to the point that the monthly maintenance fees had used up any remaining funds. I did not attempt to use the account again. On XX/XX/XXXX Key Bank transferred {$100.00} from a Cash Reserve account to cover the shortage ( XXXX ) in the account and also charged a {$2.00} ATM withdrawal fee for the transaction on XXXX. This left a balance of {$24.00}. On XX/XX/XXXX a monthly maintenance fee of {$7.00} was charged making the balance {$17.00}. This {$17.00} was then applied as a payment to the XXXX XXXX account bringing the balance to {$0.00} in the checking. On XX/XX/XXXX a {$7.00} maintenance fee was charged and since the account was at XXXX another {$100.00} was transferred from the XXXX XXXX account. So {$100.00} transferred to the checking minus {$7.00} left {$93.00} back in the checking. Random dollar amounts were then taken out of this to pay the XXXX XXXX account. At no time was I receiving any statements to alert me to this. This went on until I began getting phones calls from Key bank that I had a past due balance. I ended up having to pay {$400.00} on XX/XX/XXXX to keep from getting any more late fees and late notices on my Credit Report
Consumer complaint received 2018-03-08
Product: Credit reporting, credit repair services, 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. (LA)

Hi, I noticed back in 2017 I had no inquiries and now when I check my credit report they have reappeared back on there, which has caused my credit score to drop. That is a violation of the FCRA and are inaccurate and invalid.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Unifin Inc. (CA)

Received a letter from Unifin on XX/XX/year>, stated I have a {$7300.00} original from XXXX XXXX XXXX XXXX. I have no knowledge of this account and debit. Unifin has no information on this account or the debit also.
Consumer complaint received 2018-10-28
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. (OH)

I went to XXXX XXXX College in XXXX XXXX Ohio in 1994. I was told by the school my grants covered my school. After i graduated I started receiving bills for XXXX. I have fought this tooth and nail, and because I was young back then i gave up on the fight because it was stressful fighting these collection agencies. After being refused credit for years i decided to call the XXXX XXXX XXXX XXXX company and ask for a copy of promissory notes totaling the XXXX, and what i received in the mail is a blacked out piece of paper that was ineligible to read, that said " sorry best copy we have '' It stated a loan for what looks like {$3500.00}, and someone had written my social security number on a piece of paper and taped it to the top of the copy. I immediately contacted them and said this is not sufficient and I do not owe XXXX and i want it removed from my credit report. They then sold the collection numerous times to so many collection agencies that now it is duplicated on my credit report and says i now owe XXXX. This is an injustice of the reporting bureaus for not actually verifying or correcting the duplicates on my report, let alone saying I owe a loan i do not owe. 
I have recently contacted all 3 credit bureaus via certified letters for each student loan collection account and duplicated collections. Each one said they verified I owe it and i know they did not verify it. I asked in the certified letter for signed documentation of the loans or please remove it from my credit report. They did not send me any signed documents and only updated each account saying it has been verified. Also another issue is, each collection agency has posted that i have been making payments on the account every few years in a blatant attempt to keep this on my report another 7 years. Im absolutely ready to file a lawsuit against each collection agency and the credit bureaus. They have ruined my credit for 25 years. I need help, this has been impossible to deal with due to selling the collection to so many agencies and none of them will remove it. Ive called them, only to be yelled at and told I need to make a payment. By the way each time i call a collection agency, they hurry up and sell it to someone else. This should be against the law, and probably is.