davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc. (TX)

As of XX/XX/2019 This company " XXXX XXXX '' phone both my brother ( XXXX XXXX ) and sister-in-law ( XXXX XXXXg ) I have written documentation from both they were contacted around XXXX CST. Both family members said " a lady '' would not give her phone number and says she is trying to get a hold of me. '' She did state she is from " XXXX XXXX. '' I don't know who this company is, but when I searched in on XXXX, it states an address of XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Their website states " Health care '' and " Commercial debt collection. '' I have not received any written documentation. I did get one call and the person would not identify themselves unless I " self identified '' and that is not something I would ever agree too.
Consumer complaint received 2019-06-06
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: Experian Information Solutions Inc. ()

I have been trying to get this matter solved for months and almost two years since I got the car. The car loan is not showing up on my credit reports and on the website of the car loan company states they report the information every 30 days. 

I have sent multiple letters to the company XXXX XXXX and even contacted credit bureaus and dispute to have my account included in the reports. No answer has been provided to me and every time a dispute closes no changes are made in my reports and the account never shows. 

I have tried to resolve this matter with Contact Information Address : XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX EMail : XXXX Text : XXXX Fax : XXXX Business Hours Monday thru Friday XXXX to XXXX CST Saturday XXXX to XXXX CST and no answer. I will no longer pay for a car that is not helping me build my credit and maybe will never get a clear title off this company due to this mess. 

Please I will await your answer within 30 days Thank you for your attention in this matter.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

{$35000.00} of fraudulent charges ( from XXXX ) were assessed to my credit card and after several discussions and 2 billing cycles, Bank of America is reflecting me as past due and neglected to add all fraudulent charges to the dispute until today. The credit card was in my safe when the charges were assessed. The bank was notified of fraud after $ XXXX, but incompetence allowed for another $ XXXX. 

I am concerned regarding credit reporting.
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

I was selling a product online the gentleman stated that he had sent me the full amount I received an email from Zelle support stating that the funds going to be deposited into my account until I verified that I was attempting to send funds or receive funds from that individual zelle support emailed me requesting me to send funds to the individual I sent funds later I found out that it was a scam the representative at Zell so that theres absolutely nothing that they can do and the person can create a new Zell account and my bank also stated that there was absolutely nothing that they could doI was supposed to receive {$1200.00} and then with the {$500.00} that I had sent would be a total of XXXX however I did not receive any of those funds I am just out {$500.00}
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I financed a car with XXXX XXXX  for {$28000.00}, All payments were made on time. Car had XXXX XXXX XXXX and XXXX XXXX  was co-insured on the policy. Car was totalled on XX/XX/XXXX. XXXX XXXX advised XXXX that the insurance was in force and XXXX sent the case to their total loss unit. Because of Covid-19 all of the XXXX and XXXX XXXX people were working from home or part time and it took a few months for XXXX XXXX to issue payoff check to XXXX. On XX/XX/XXXX XXXX XXXX filed a chapter XXXX business bankruptcy. On the filing lawyers for XXXX immediately file a proof of claim even though XXXX had already agreed to have loan paid by XXXX XXXX as a total loss. In XX/XX/XXXX the XXXX remaining balance was paid in full by XXXX XXXX. In XX/XX/XXXX XXXX withdrew their claim. The bankruptcy was voluntarily dismissed-no creditors claims were discharged. the Credit report continues to show " involved in Bankruptcy '' even though bankruptcy was dismissed without any order of relief or adjudication. 15 USCS sec 1681c bars disclosure of a bankruptcy case except from date of entry of order of relief or adjudication. the XXXX XXXX, TransUnion XXXX report is false in that it claims the " account included in a chapter XXXX consumer bankruptcy. " This is a false statement for 2 reasons ( 1 ) before the bankruptcy XXXX XXXX had already agreed to pay XXXX the claim as a total loss, which was legal and binding because XXXX was an additional insured and therefore a direct beneficiary of the XXXX XXXX insurance, and ( 2 ) no report of a bankruptcy case is allowed that is dismissed because there is no start date possible for the ten year reporting period because dismissal means you can not have either an order of relief or an adjudication.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (AZ)

US BANK has been reporting an account against my SSN # for almost 7 years. This account does not belong to me. For almost 7 years i have been disputing this account, i have never applied, used or had knowledge of this account. I have a common name and am a XXXX. I have asked for proof showing this account belonged to me. i have received nothing. 7 years i have had to deal with this account. Please have US Bank review their records and provide proof this account belonged to me or remove it from all 3 credit reporting agencies. 

Today I pulled my report and now the amounts are all different. 
The original limit is reported as XXXX, the amount written off was {$980.00} and as of today shows past due {$1300.00}. Also shows status last updated on XX/XX/XXXX and balance updated XXXX. Clearly there is an error I asked you to close this account in XXXX because it was not mine and I had no idea who this account belonged to. The credit card company continued to keep this file open because i did not have the password.
Consumer complaint received 2023-04-09
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO. (FL)

on Thursday, XX/XX/XXXX, XXXX Chase Bank Reposed my Car with Absolutely no intentions of returning the Vehicle to me. I made calls to Chase Redemption Dept. on XX/XX/XXXX & XXXX, but unbeknownst to me, they had already put a letter in the mail dated XX/XX/2021 Stating of their intensions to Sell the Vehicle ( on Sunday XX/XX/2021 ) .In spite of me speaking to a supervisor and stating that I had asked for help since my job as a XXXX had stopped because of another COVID19 outbreak ( happened upon XXXX opening ). I told this information to the supervisor ( XXXX Is his ID # ) That I would like to have the opportunity to catch up the balance and become current on my payments. He was constantly saying that i didn't honor the contract and that i could not get the car back. I followed up with the Chase Corporate office and was given a case # and worker, Ms. XXXX XXXX. I spoke with her on XX/XX/XXXX and finally on XX/XX/2021, only for her to echo the same words of the Redemption Dept. But, she also stated that they said I had a lot of return payments in the Automated system ( which i don't believe is my fault-if I said that I didn't have the monies, And also said that i needed help with my payments ) .And why would CHASE Constantly attempt to get payments through the AUTOMATED System when I clearly stated that i DIDN'T have the monies? She simply told me what was already stated. So I told her that because of this National Emergency ( because of the Pandemic ) it would seem like Chase ( Auto ) Bank would be in the business of trying to work with their clients in these special times And Not stealing their customers Cars ( Only to turn around and Re-sale the Car again ). I asked her to put our conversation in writing, but she said that she'd have to find out if she could do this. I believe that CHASE AUTO has treated me unfairly ( Esp. during these Hard times ) And they could've given me the Option to become Current, But they Chose to be bullies and Straight up SHYSTERS!!! Please help me with this issue as I believe that this company is doing this very same thing to Other customers and maybe a CLASS ACTION LAWSUIT Needs to happen for them to stop this Unscrupulous act.
Consumer complaint received 2020-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$630.00} XXXX/XXXX   XXXX {$310.00} XXXX  XXXX {$8900.00} XXXX/XXXX  XXXX {$670.00}
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank (FL)

We rented a car from XXXX and used our Visa card that was issued through Synovus Bank. XXXX put through a charge and Visa accepted the charge knowing that it was grossly improper. The fraudulent and excessive charges had the effect of freezing our bank account and causing us embarrassment. In order to contest the fraudulent charges, we spent hours on the phone dealing with XXXX and our bank. They caused us to not have access to cash in our account for ten ( 10 ) days.
Consumer complaint received 2021-02-04
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. (FL)

On XX/XX/2020 I sent mail to all three bureaus to dispute some accounts that are inaccurate and erroneous and unknown and yet they still remain on my credit reports. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC (IN)

This is from me talking to Continental Finance in XX/XX/2019 I asked how much to close out my Credit Card in full I was told I needed to pay {$320.00} which I paid. My monthly payments where {$35.00} which I did make a online payment of {$38.00} which would have went towards my monthly statement not according to them. I was told over and over my account was closed and paid off this is XX/XX/2019 they're now telling I owe them {$38.00} with monthly maintenance fees which {$170.00} they said was reversed they've been lying since I paid off the card in XXXX. A supervisor told me what happened apologized for my inconvenience and told me everything would be reversed nothing to worry about call back in 3 business days to make sure I was at a XXXX balance. I called back 3 days later to find out I have a charge of {$50.00} {$38.00} returned check 12 maintence feel I saw no reason after I already paid {$320.00} to pay off my card and multiple people in that company telling me I was paid in full and as I paid my matrix card off I was told I wouldn't inquire any fees which was another lie. And my is jacked up due to XXXX XXXX and their thieving ways. I read the reviews on company and their horrible. Idk what to bcuz I feel like when you're thinking your in the clear they come with outrageous fees quote.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I received a letter, dated XX/XX/XXXX, from JEFFERSON CAPITAL SYSTEMS , LLC ( JCS ) claiming that I owed a past due debt. No information was provided other than a dollar amount and a financial firm 's name - no description was offered, no date, and no other backup information of any kind. I know that I did not have any past debts, but I was concerned that someone had possibly incurred debt under my name. I therefore indicated that I disputed the debt and requested, by certified mail, that JCS provide information on the debt that they indicated I am entitled under the Fair Debt Collection Practices Act ( FDCPA ) so that I could understand their basis for claiming that I owed a debt. 

In their second letter, dated XX/XX/XXXX, they did not provide any further information as I was entitled under the FDCPA and as I requested. Instead, they asked me to certify that my identity had been stolen. Prior to receiving the second letter, I had contact the financial institution who was the supposed holder of the original debt, and they indicated that my accounts had been closed with no balance and that I did not owe anything. I sent another letter with this information to JCS and again requested that provide me with information as required by the FDCPA such as : - A detailed explanation of the charge - The date of the charge and supposed default - Name of the charge-off creditor and account number - The name of any other debtor or creditor associated with the charge - The names of all entities that have purchased the debt - A copy of any and all contracts or documents evidencing my agreement to the debt In their third letter, dated XX/XX/XXXX, they again did not provide me any information at all to corroborate the supposed debt. Instead, they simply said that because my debt was too old that they were closing my file and would pursue no additional action. This reason is nonsensical because they must have known the age of the supposed debt before they sent their first letter ( even though they never provided that information to me ). Their refusal to provide any information whatsoever regarding this supposed debt and to dismiss it leads suggests that their closing of the case occurred because the debt was fabricated, and that JCS knows that the debt is fabricated. I believe this is why JCS refused to provide me with information that they are required to provide by the FDCPA.
Consumer complaint received 2020-07-23
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. (NC)

I recently sent letters over 45 days ago to Equifax and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union will be transitioning all adult checking accounts to a Premium Checking account, and charging a $ XXXX  monthly fee. They advertised the premium checking as something that was optional or for new accounts. They sent an email saying that my account would automatically be transitioned to the new premium account, without my consent.
Consumer complaint received 2019-06-06
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: Center Street Finance, LP dba CSF Servicing (FL)

I have been trying to get this matter solved for months and almost two years since I got the car. The car loan is not showing up on my credit reports and on the website of the car loan company states they report the information every 30 days. 

I have sent multiple letters to the company CSF SERVICING and even contacted credit bureaus and dispute to have my account included in the reports. No answer has been provided to me and every time a dispute closes no changes are made in my reports and the account never shows. 

I have tried to resolve this matter with Contact Information Address : XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX EMail : XXXX Text : XXXX Fax : XXXX Business Hours Monday thru Friday XXXX to XXXX CST Saturday XXXX to XXXX CST and no answer. I will no longer pay for a car that is not helping me build my credit and maybe will never get a clear title off this company due to this mess. 

Please I will await your answer within 30 days Thank you for your attention in this matter.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AZ)

Experian. I had a free week for their extra serviceand then it charged me which was fine then I go to cancel and there's no way to cancel online and the phone number doesn't give me a person and hangs up. Also the only option it does give you to cancel is their FREE service not the service you are paying for.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America account shows delinquency between XXXX and XXXX of 2019. This information is incorrect. The account was closed prior but due to yearly fee, it continued to show a balance. This was worked out with company and we received letter from company saying there is no delinquent history. Yet it continues to show up on credit report.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Date Opened : - XX/XX/XXXX XX/XX/XXXX Balance : - {$20000.00} {$20000.00} No. of Months ( terms ) : - 72 Months Monthly ( due every month ) High Credit : - {$24000.00} - Credit Limit : - - - Past Due : - - - Payment Status : - Charge-off Last Reported : - XX/XX/XXXX Comments : - CHARGED OFF ACCOUNT Date Last Active : - XX/XX/XXXX Date of Last Payment : XX/XX/XXXX THIS ACCOUNT DOES NOT BELONG TO ME, COMPANY DID NOT PROVIDE PROOF OF VALIDATION OF ACCOUNT OR VERFICATION OF DEBT AND PROOF OF OWNERSHIP
Consumer complaint received 2021-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I used PayPal to pay ( with my credit card ) an online astrologist for 3 services.

The person received {$160.00} for 3 jobs. I received one job that was scam. I asked for a refund on the other 2. The person decline returning the money. I complaint with PayPal and the resolution was on favor of this person. I have emails as proof she never provided the 2 pending jobs. 

Not sure if this is the place to file a claim. PayPal is not helping. 

Case ID XXXX Transaction amount {$160.00} USD Dispute amount {$78.00} USD Transaction ID XXXX Transaction date XX/XX/2021 2021
Consumer complaint received 2021-11-09
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CBE Group, Inc. (UT)

The CBE Group is reporting an erroneous debt on my credit file. I recently checked my credit file and noticed this debt. I called and immediately settled the debt because I no longer wished for this to report on my credit. I was told this would be deleted from my credit immediately after and it would take 30 days for the bureaus to reflect that. However, when I went in after, I noticed that this debt was still reporting. I am aware that CBE Group is able to provide me with a letter stating what they said they would be doing. Also, this is a HIPPA violation. I never signed a HIPPA patient release form allowing CBE to report this confidential information on my credit. It must be removed immediately.