davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
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. (PA)

i have written experain as well as XXXX XXXX XXXX XXXX various times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting... first off please see the attached... it shows experians reporting of this account ... .they never marked it as being in dispute, this is showing as a charged off account with a balance of {$960.00} then when you look at the circled comments it states this account has been sold to a collection agency... how is this account reporting a balance, and a 12 month term if it was sold? these are major violations ... .the other XXXX bureaus have deleted this and i expect experian to delete this from my account for violating the law...
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SOFI TECHNOLOGIES, INC. (VA)

I made an ACH payment through SoFis app to pay off the balance of my credit card {$9400.00} on XX/XX/XXXX. Today on XX/XX/XXXX, I tried to use the card for a {$140.00} purchase & it was declined. When I called SoFis customer service #, they told me they havent released the funds from the payment yet, even though it had been 7 calendar days & 5 business days. The funds had been debited from my checking account on Friday, XX/XX/XXXX. This was a payment made electronically & we are well past the 3 days an ACH can be rescinded. So they are in essence holding my funds that they absolutely have in their possession and not allowing me use of them. I would like it noted that I have never had a payment to them bounce in the past. 
The solution I was given was either request a credit limit increase, which I dont need or want & doesnt make sense since I wanted to use only {$140.00} of what should be over {$9500.00} in available credit. Or, it was suggested that I open a checking account with them so in the future I can make payments using that & the payments will process more quickly. Since they seem to be playing fast & loose with holds on card payments, I cant imagine what kind of holds they put on electronic deposits to their checking accounts.

The bottom line is that I dont think it is very consumer friendly for them to hold electronic payments for 10 business days when they receive the funds in 24-48 hours.
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc. (TX)

Conns wrote this account/debt off as a charge-off in 2019. It is against FCRA ; state ; and federal law to reopen a closed account. This account is over XXXX years old.This account is listed as open. It is against federal law to report inaccuracies on my credit report.
Consumer complaint received 2022-04-27
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: JPMORGAN CHASE & CO. (VA)

On XX/XX/22, our daughter lost her Chase visa credit card in XXXX where we reside but we thought it would turn up in her car or in her room because there were no suspicious charges immediately after losing the card. Then on XXXX, 2 weeks later, unauthorized charges started appearing that took place in Washington DC totaling approximately {$800.00}. Upon discovering these fraudulent unauthorized charges, I phoned Chase immediately and they said they would review my claim and would temporarily remove the charges. I never heard another word about the claim until I noticed the {$800.00} worth of charges had been reapplied to my account- there was no email nor letter informing me of this reapplication or the result of their fraud investigation. 
After numerous conversations with various departments, they have refuted my claim. These charges were absolutely NOT made by any member of our household and were most definitely UNAUTHORIZED by any of our family members. 
Upon doing some subsequent research, I am under the impression that we should be protected under the Fair Credit Billing Act and should not be liable for more than {$50.00} for the unauthorized/fraudulent use of our credit card. 
Thank you for your assistance to this matter.
Consumer complaint received 2021-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Results Unlimited, Inc. (GA)

Received a letter stating I owe over XXXX $ to a complex. Its not true. The debt is not mines. I asked for proof and they sent some back office document that doesnt prove anything. I am in the mist of purchasing a home and can not have this debt put on my credit. Please help.
Consumer complaint received 2021-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had an account with this company. My account with capital one bank what is a credit card account that I opened in XX/XX/XXXX of XXXX. The account was in good standing for a long time and had a minimal balance. Then in XXXX I was involved in a major motor vehicle accident and around that time My Account Balance had grown excessively all the while I was in the hospital for over a month in a coma. We found out the charges were current even during that time. Which was in XXXX XXXX and part of XX/XX/XXXX. I attempted to relay this information to capital one bank and they never took it serious and subsequently allowed my account to remain in a negative unpaid withstanding. Later they sold my dad to XXXX XXXX XXXX and have never allowed me the opportunity to square this up with them so that my credit would not be hurt by this negative balance. I would appreciate some intervention and Ive already talk to XXXX XXXX XXXX they said they will terminate is dead and basically get rid of it the way it shouldve been done yours back yes I did this so Im doing it I appreciate any help you guys give. Capital one bank account # XXXX
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I am a Citizen of XXXX XXXX XXXX XXXX frequently visiting the U.S. especially the XXXX area ( XXXX XXXX  XXXX-XXXX-XXXX ). When I was in the U.S. in XXXX XXXX I opened my Bank of America bank account and operated it for almost 1 year and six months from XXXX to XXXX. When Bank of America forced closed my bank account on XX/XX/XXXX due to inactivity reason. After happening this I contacted the bank several times and given multiple phone numbers while spoken to several Bank officials in the U.S. from XXXX. I am now in XXXX and I have an urgent need to re-open my bank account and expect a wire transfer for XXXX XXXX XXXX of my proposed U.S. Start-up venture. 

I am asking for the Bank to EMERGENCY RE-ACTIVATION MY FORCED CLOSED BANK ACCOUNT to make this thing done. Among the phone numbers that I was given to contact the bank are these below : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and last [ ( XXXX ) XXXX XXXX XXXX, Bank Lawyer for Customers ] all these numbers I made calls didn't make positive outcome. 

Kindly please let me know the charges and what are requirements of information needed for this matter to resolve it.
Consumer complaint received 2017-12-20
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: Experian Information Solutions Inc. (CA)

I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.
Consumer complaint received 2017-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (PA)

Was approved for a loan on XX/XX/XXXX-2017 for XXXX. I have made 6 payments of XXXX which they are automatically taking from my checking account. I called the Pa dept of banking and securities because I asked inbox loan for a payoff amount and its over XXXX. Ive already paid back the principal of the loan and over Pennsylvanias max interest rate of 6 %. The dept of banking and securities suggested I contact your dept and file a complaint. My loan # is XXXX.
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I mailed a request to XXXX, XXXX  and Transunion to remove the fraud alert on my account. The letters were received on XX/XX/2020 ( see attached receipts ) As of today I still see the alert on my report on all 3 bureaus.
Consumer complaint received 2017-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation (TX)

The collection agency has entered a collection account on my credit report for a debt that is not mine. I have informed them this is not my account and they have not provided any written documentation to show this account belongs to me. When asked about how the account belonged to me, they responded that my XXXX XXXX was used to pay the bill, therefore the account belongs to me ( I have confirmed that XXXX XXXX has no records of this " supposed '' charge ). I sent a written dispute to XXXX on XXXX/XXXX/XXXX which still has not been reviewed or responded to as of XXXX/XXXX/XXXX Amount {$640.00} ( Original amount {$540.00} ) Collection Company is : XXXX XXXX XXXX XXXX File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone # XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

I am a victim of identity theft and have found entries on my credit report that i do not recognize and were not authorized by me. I've reached out to the credit bureaus and have gotten no response. I continue to be harassed by creditors.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letters 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I previously submitted an FTC and Police report about accounts on my credit reports that do not belong to me.. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo intentionally and fraudulently puts my wife 's account into low account balance and once the account goes into negative, the bank would charge the account overdraft fees. This results in the bank charging the account hundreds of dollars in so-called and fraudulent overdraft fees. After meeting with a personal banker to discuss the matter, Mr. XXXX XXXX, he angrily subjected that the only solution is to file a complaint against the bank because " the bank has no reason to refund the charges.
Consumer complaint received 2022-02-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRUIST FINANCIAL CORPORATION (GA)

I never agreed to interest loans imposed by the SunTrust company ... XXXX.nor did I agree for SunTrust to take over my loans and they bought my debt without my consent or notification. I formally refuse to take on the new undiscussed interest rates and this new lenders service ... .I do not do banking business with SunTrust nor have they ever given me a loan. I demand this debt be removed because it is not my debt once it is paid off from the entity I agreed with. 
I have not confirmed any paperwork with SunTrust and this makes my balances new and different interest monies are included which I did not agree upon. This debt is no longer under a signed contract with XXXX XXXX as I was not present or notified prior to the shift in debt possession. 

I would like this debt permanently removed since it has been satisfied by an unknown benefactor as shown on my credit report. Benefactor named as SunTrust.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I checked my credit report and found a negative account that does not belong to me. This is so frustrating because I sent a letter to this company asking them to validate the debt they claim I owe and never got a response. More importantly, I can't move forward with purchasing my first home because of this XXXX company. It's been months and still no reply!!! This isn't right and this is very unfair! please help me resolve this matter ASAP!!! I been through enough already getting through this pandemic so this is most definitely extra XXXX that I don't need in my life right now ..XXXX XXXX
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (FL)

Back in 2015 my wells fargo account was compromised when someone in the company opened a credit card account. This was apart of the large wells fargo breach that happen XXXX of 2015. Due to this fraudulent act my information has been comprised and is affecting my credit score. I will work with all three bureaus so I can these negatives removed.
Consumer complaint received 2021-05-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My home mortgage loan was bought out by another company ( XXXX XXXX ). I would usually pay the loan a month or two in advance with my former company and the process worked fine. When the new company XXXX XXXX took over my loan and I continued the same process of paying the loan in advance, instead of applying my payment to my regular loan, they applied it to my principal and later reported that I had not made my payment on time. I had payed on time but they did not apply my payment correctly. According to my credit report that I am sure they reported erroneously, I did not make a payment in XXXX of XXXX which has hurt my credit score. They have reported the same exact thing in XXXX of XXXX which is another error. I did make that payment! They need to fix these errors that they are making because of their faulty book keeping and reporting practices. I need to have the late payment report from both XXXX of XXXX and the no payment of XX/XX/XXXX reported truthfully. It was not until this week that I finally cleared this up with the loan company XXXX XXXX. Initially the person I had talked to on the phone told me that if I sent the payment to a specific address, that it would be handled by a real person and not an automated system. on a subsequent phone call I was told that all of the payments were done in an automated system It was only after speaking to a supervisor at the company ( because the regular person on the phone couldn't help me ) that he finally said that he is going to place a notice on my account so that payments made up to three months in advance are credited as a payment for my loan rather than an extra principal payment. He said that a small percentage of clients do pay early ( as I do ) and have this notice placed on their account. It has taken XXXX XXXX all of this time to finally do something about this. I hope they do the right thing and change my report and remove the late payment entry. They said on the phone message when you call them that they " record phone calls for training purposes '' so the entire conversation is on record with them if you would like to investigate it. I am so disgusted with the service from this company. It has only brought me stress and made me waste time on the phone with them. I will report in the future if they did the right thing or not. If nothing is written as a follow up to this it means they have not corrected the situation and screwed up my perfect credit because of their incompetence.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

There have been a few times over the last few years that I receive a collections notice regarding this false " XXXX  '' debt. Every time I contest it, stating that this is NOT my debt. Each time it gets resolved and the conclusion is that I do NOT owe this debt. 

Last year, approximate XX/XX/XXXX, ERC claimed the debt on my credit reports with XXXX XXXX XXXX I disputed the claim of debt. I contacted XXXX and engaged in a dispute claim of false debt report from ERC. XXXX did their own investigation, concluded that ERC attached this debt on my credit reports in error, and XXXX removed the false debt off of my credit report. The Confirmation # of XXXX XXXX investigation conclusion report # is XXXX, XX/XX/XXXX. 

Today, XX/XX/XXXX, I received another letter from ERC stating that I owe this " XXXX debt '' ; account # XXXX. 

I immediately contacted CFPB for help to resolve the harassment from ERC.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TN)

On my monthly XXXX credit report it keeps showing a JPMCB credit card account. I have no such account! Currently it shows a balance of {$16000.00} and a credit limit of {$38000.00} on the card. I have tried calling the Chase number listed on the report but because I can't give them a card account number and refuse to give them my SS # they refuse to help. I have made this call more than once. Because of purchase activity on this card my credit rating fluctuates monthly. The information on my report reads as follows : Company JPMCB Address XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Account balance {$16000.00} Credit limit {$38000.00} I do have one credit card through XXXX XXXX XXXX XXXX but it has no connection with JPMCB.