davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

For years the account was reported at a higher amount than the actual amount by the credit reporting agency 's. Its now Paid in full and is being reported as both paid in full and as a write off Legally Per the FCRA a item can not both the Account XXXX is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-05-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PLS GROUP, INC (IL)

I have taken a loan out with PLS located on XXXX XXXX in XXXX   XXXX XXXX Corporate office in XXXX, IL My Loan payments are XXXX bi-weekly I can no longer afford my mortgage. 

I want the to acknowledge my revocation of the wage assignment i signed with them I have another loan out with XXXX Both loans are taking me over the 22.5 % of my gross income
Consumer complaint received 2018-06-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX My husband, went to a Wells Fargo 24 hr ATM. He accidentally hit fast cash {$400.00}. It asked if he needed a receipt, realizing he hit the wrong amount he canceled the transaction, got his bank card out and then he proceeding to conduct his transaction for the right amount of {$300.00}. {$300.00} was dispensed and my husband left that ATM. A few days later I noticed a charge for {$400.00} and {$300.00} on my bank ( XXXX ) I proceeded to follow an ATM dispute. XXXX dispersed {$400.00} until they had a finding. Well, Wells Fargo came back saying that no error occurred, that these transactions cleared on two separate days. XXXX then took back that temporary deposit of {$400.00} on the XX/XX/XXXX when Wells Fargo came back and said that no error occurred. I have a {$610.00} ATM withdraw limit on my card, per day. My husband did not take out the said {$400.00} and {$300.00} on XX/XX/XXXX. If he did, our card would have not allowed him too due to the {$610.00} limit withdraw on our card. However, Wells Fargo somehow cleared the transactions on two separate days? How is that possible when they were done back to back? Wells Fargo stated that they have different transactions happening in-between my husbands ATM transactions for {$400.00} ( Accidentally ) and the {$300.00}. After getting the run around between my bank ( XXXX ) and false information, we have tried desperately to rectify the situation ourselves. We went directly to Wells Fargo, and because we are not customers of them they can not help us. We then went to the Police station to file a complaint and they stated that we would need to take it to civil court. We would just like to receive our {$400.00} back that happened to " disappear '' due to a fault on Wells Fargo ATM. Also I would like to note that when Wells Fargo tried to " help '' us all they could tell us was that they their ATM numbers were " fine. '' I know an error occurred somewhere within the Wells Fargo 24 hr ATM, because my family and I are short {$400.00}. 


Attached will be the ATM dispute that showed the money was dispersed, even though we did not receive the {$400.00} because my husband canceled the order.
Consumer complaint received 2021-04-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (MA)

XXXX XXXX I went online then telephone to obtain would be qualified. 
a {$1200.00} loan for car repair not a payday loan.. XXXX  XXXX  contacted me and stated that XXXX XXXX  would send me a list of loaners that I. Niswi, LLC dba Lendumo XXXX. XXXX XXXX XXXX XXXX XXXX was sent to me by email called them agreed to the loan for {$1200.00} at XXXX per month to be withdrawn from my checking account on the 1st of each month Lendumo made all arrangements on phone. for payments XXXX XXXX, XX/XX/2021 XXXX XXXX all withdrawn from my checking by Lendumo as agreed. XX/XX/2021 received an e mail that XXXX XXXX another {$490.00}. 
I called Lendumo Representative stated that since I did not pay on time I was owed Lendumo more according to the agreement I signed. I never signed an agreement or was it mentioned no agreement was sent by email for me to sign or stated on phone Representative stated it was in their website which I had no knowledge of. 
I was to make 12 payments at5 {$490.00} at 499.94 % I stated that was usury Lendumo made all arrangements for payments and never mentioned percentage rate or agreement or did I sign any agreement. I went to Lendumo website found the document my signature is not on document but printed which I never seen or heard. late fee charges are {$30.00} poer payment Please advise I am willing to testify in Court under oath to the above.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

See attached XXXX XXXX XXXX XXXX application. The application was incomplete on XXXX and credit report was pulled on XX/XX/2017. The application was incomplete and wasn't to be processed as stated at top of application. I talked with a lady  at XXXX XXXX 's President office today. She was adamant that application was complete even if undated. Unbelievable! I also filed a XXXX XXXX XXXX complaint. XXXX  XXXX is impossible to contact. XXXX  XXXX will, as usual, label this complaint as a duplicate. I am relying upon XXXX  and Transunion to answer this complaint..
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-01
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. (FL)

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Docket # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action TyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-08
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: Experian Information Solutions Inc. (TX)

ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX inquires also for the above accounts
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-02-18
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. (IL)

After sending information to verify myself with my disputes by means of a CRO on XX/XX/2019, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

Equifax XXXX ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX  XXXX {$68.00} not mine XXXX XXXX  XXXX {$85.00} not mine XXXX XXXX  XXXX {$85.00} not mine XXXX XXXX XXXX {$160.00} not mine
Consumer complaint received 2016-11-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

my mother got a car loan XXXX/XXXX/XXXX they faxed the paperwork to her because she was not in the area, she was planning on moving in with my family and was needing a car that she could use i do not think that she understood the loan she was getting ( my wife co-signed but was not explained about the loan either because she assumed they had done that already ) no one had called her to tell her that the loan she was getting would mean that she would be paying more than double or even triple for this car according to Santander USA she has paid {$22000.00} since XXXX/XXXX/XXXX and still owes almost {$21000.00} but that number never seems to change i had them mail me the loan papers if i remember right the car was $ XXXXand i think about {$2500.00} was put down it is a used XXXX XXXX some reason they said they coundnt qualify for some of the other used cars they had, also this car has continually broken down since the time of purchase ( its a lemon ) my mom lives on social security and i make the payments every month for her but is has been a struggle for me to always pay onetime which has caused my wifes credit to take a bad hit because of all the late pays month payment is {$630.00} the car on XXXX XXXX XXXX has a value of about $ XXXX i hope there is something that you can help us with, it does n't seem right that we are going to end up paying over {$50000.00} for a car that was probably worth around {$13000.00} when it was purchased
Consumer complaint received 2016-10-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (AZ)

I have requested that Chrysler Capital send me all loan documents for my Auto Loan. They refuse to comply. I have offered to pay for copies of these documents ; still ... will not comply. They are hiding something, and I will find out. This is illegal and unethical on so many levels. What ever happened to loans being transparent for the consumer? Who knows what Chrysler is charging me if I can not see any documents.
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

i have requested XXXX company to produce any legal document that has my name instead they keep sending a statement with a third party name and reporting it on my XXXX XXXX Report and after numerous attempts and letters I only get a statement with a third party name and nothing Im requesting from them if XXXX can not produce any legal papers with my legal name with my signature they must remove this item from my reports ASAP
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have a credit card from XXXX XXXX. I have requested them to 'auto pay ' my entire statement balance every month so that I do not have to pay interest charges. I first made this request in XX/XX/XXXX. I soon realized that their auto pay department is paying only {$35.00} from my XXXX XXXX XXXX checking account to my credit card. I had another round of discussion with them ( first over email and then over the phone ) on XX/XX/XXXX. I once again asked the 'auto pay ' team to pay my entire statement balance automatically every month. Today ( XX/XX/XXXX ) I again realized that they are paying only {$35.00} every month and charging me interest for the rest.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I am submitting a complaint against Equifax to the CFPB due to their failure to adequately respond to my dispute attempts regarding inaccurate items on my credit report. On XX/XX/XXXX, I mailed a dispute letter to Equifax requesting an investigation into the inaccuracies. Additionally, I disputed incorrect personal information listed on my credit report. 

Despite my initial dispute, I did not receive any response from Equifax regarding the investigation results. Subsequently, I sent another dispute letter on XX/XX/XXXX. In response, on XX/XX/XXXX, Equifax provided a vague response stating that the member number submitted was not reporting as an inquiry on my credit file and asked me to verify the member number and resubmit my dispute online. However, this did not address the inaccuracies I had disputed. 

I continued to send additional disputes to Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite multiple attempts, I have not received a single response from Equifax regarding any of my disputes. 

Under the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. It is evident that Equifax has failed to fulfill this obligation by not conducting a reasonable investigation upon receipt of my disputes.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (SC)

On XX/XX/XXXX I had a check deposited into my account Check # XXXX Bb & t Bank charge me an overdraft fee twice. I called the bank on the same day to make a deposited into my account to avoid the fee. The same day the check was presented to company is the same day they charge me the overdraft fee. The did n't wait for the next business day to charge the fee, like they normally do. And also, on that same date I was also hit with another overdraft fee for a {$2.00} withdrawal. So thats two overdraft fee 's in one day. Fast forward to today XX/XX/XXXX. I went to the atm to make a deposit ( XX/XX/XXXX last night. My account said XXXX and change ... I wake up this morning XXXX check to my account. And now another XXXX over draft fee. ( How ) if i made a deposit last night of {$110.00} and was already XXXX and cents. I am starting to think this bank is robbing me ... {$100.00} in fees in under two weeks. and they ca n't do anything for me ... I ca n't afford these types of fees. Its starting to look like predatory. I would close this account. But its not in my best interest at this present time. Thank You.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

A lot of the info is seven years old and should not be highlightedThings like auto repossions and collections issues that had fall under my bankruptcyThat was filed last year XXXX and since have been DISCHARGED XXXX last yearI file chapter ( XXXX ) bankruptcy,
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (CA)

Hello, I have spoken with Discover Financial a handful of times since I 've been with them. Roughly about 1 year ago I called asking them to please consider lowering my interest rate since it 's so high and it was becoming financially stressful to make the payment. My request was declined, but I was informed I would be notified in the future if I would qualify for a lower interest rate. About 3-4 months after that I received a letter that I understood informed me my interest rate would change from 16.99 % to 12.99 % as they have reconsidered the request I originally made and I would just need to wait a couple billing cycles to see the changes. Of course I was very happy and I waited a couple billing cycles but I did n't see any changes. I called discover about 2-3 months after receiving the letter and was advised by a MALE that the changes were pending but I would receive a letter informing of the changes and the amount I would be refunded since my request was being backtracked to the original date i request an interest rate reduction. The MALE i spoke with made some calculations and said i would be getting a refund of {$600.00} - {$700.00} and my new rate would be the 12.99 % as the letter stated and i was very happy to hear that. I waited and waited and I did n't see any changes so I called Discover a couple weeks ago and the first FEMALE I spoke with transferred me to a supervisor. The supervisor was very polite but she had bad news. She found the letter i mentioned to her and she said the MALE agent I spoke with provided inaccurate information. She said my interest rate increased to 16.99 % and I would not be receiving a refund at all. She did help me a little by crediting some interest but there are no changes being made to my interest rate or a refund being sent which is what I was told. This is very upsetting because I called Discover and the agent read the letter with me and explained all the benefits with interest rate reduction and a refund being sent and it was all a lie.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

This is about Chase Bank refusing to credit a claim in the amount of {$540.00} ( or {$270.00} x XXXX. ) I purchased 2 XXXX for services at a merchant, XXXX Fix. It is clearly stated in the fine print that if you are not eligible for the services, you will be refunded. I called XXXX and they said I was not eligible because I had been seen at another location previously. I was told by a XXXX XXXX in a chat that my account had been credited. It was not. I filed a claim with XXXX. They initially credited my account, then took away, then credited, then deducted again. 
This is simple, not complicated. Beauty Fix can not return as they do not have and never saw the vouchers or any money. XXXX does not have as they say they credited my account. Yet, XXXX has debited my account! 
I can not put any more time into this. I'm exhausted from trying to explain Please assist. 
Thanks,
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MT)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-12-09
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I got a new car in 2016. I had a 72 month note. Months later I paid a lump sum on the note because I am retiring in less than 2 years. After I paid the lump sum my date to pay off the car went from 72 months to about 24 months. I will have my car paid off in 13 months as of now. However, I missed a payment 2 months ago. I told them I was having medical issues and I will hopefully catch up on the missed month as soon as possible. I reminded them that I had paid a lump sum to cut down the time of the car loan and I did n't think I could be behind on my account. I literally took 5 years off my account so how could it be behind. I have n't missed another payment. I have now received a letter stating that adverse actions would be taken if I did n't pay the missed amount. Also, my account is now saying I am 3 payments behind when I only missed one. I am not missing another payment but this does n't sound legal. It seems the closer I get to paying off the car the more the company harasses me. The company did n't recalculate my payments after I paid most of the car off but they are threatening me for missing a payment. What do I need to do and how can they do this when the account is 4 years ahead?
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have neither consented to nor agreed to have this debt reported on my credit account, and I have no knowledge of any of the accounts being reported on my credit profile. Additionally, I have not signed any agreement with the company attempting to claim this debt.