davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-14
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (VA)

This company stole {$400.00} from me. 

My account was closed with a {$400.00} balance. They gave a refund check for this amount. 
I accidentally tried to submit it into the wrong bank account ( brothers ). It was rejected. 
I then submitted to my bank account, with my name. It got rejected. When I called, they told me I needed to get it reissued because of the XXXX incorrect deposit. 

I have contacted Serve to ask them to reissue it. However, they refused to reissue it, saying the check was cashed. This is false, i have the check and it was never cashed. I made XXXX attempted deposits that both did not clear. Now they have my money and refuse to reissue a new check, like my bank told me to get done. 

Each time I call they continue to do nothing. It has been a month and I do not have my money back.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (VA)

I stopped making payments on a XXXX credit card in XXXX 2015 due to underemployment at the time. In XXXX 2015, I got a part job and began attempting to catch up on past due payments from a number of accounts. In XXXX 2015, I was contacted by a third party collections company working on behalf of this GapCard named XXXX XXXX XXXX. I was informed that a payment of approximately {$200.00} was due to bring the account current. I told them that I was unable to pay that amount at that time, but that I was willing to begin making payments. They then asked me how much I would be able to pay, and I responded with about {$50.00}. I was placed on hold for a few minutes and when they came back on the line I was told that by setting up 6 monthly post-dated check payments of about {$70.00}, I would have the account current at the end of this period. I assumed that the account was in collections at this time ( since I was speaking with a collections agency ) and I agreed, assuming that those payments would go towards paying off the principal balance.. I subsequently learned, some 4 months, and {$270.00} later, that these $ XXXX monthly payments were nothing more than the bare minimum needed to cover interest and late fees on the account to prevent it from actually going into collections, and what I thought was a payment plan on a settled upon balance, was little more than money thrown away. My balance is no smaller than it was 4 months ago, and my minimum payment to bring the account current is now {$250.00}, some {$60.00} more than it was before I payed {$270.00} to this creditor. I was not just mislead, but lied to, and tricked into entering into what would have been a never ending payment plan. There is no way I would have ever knowingly entered into such an arrangement. I would have just let the account go to the courts and entered into some sort of arbitration to pay off the account. I spoke to someone at GapCard today and they said they would " file a complaint '' against this collection agency, but frankly I do n't trust them, and certainly do n't expect to see my money back. I would like some help. I can only imagine that this is happening to other people and it definitely needs to stop.
Consumer complaint received 2024-02-15
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. (IL)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, IL XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Group Inc. (OR)

I have had this phone number for about 5 months. I keep getting phone calls from United Finance. I have told them on many occasions that there is not XXXX here, but they still keep calling me. I have wrote them a letter asking them to stop calling, but I still keep getting calls.
Consumer complaint received 2015-10-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (AZ)

Received bill from XXXX XXXX on XXXX/XXXX/XXXX for {$200.00}. I did not know I had a balance. Sent check XXXX XXXX/XXXX/XXXX for {$30.00}. Never received an updated balance. Received collection from CMRE on XXXX/XXXX/XXXX for {$200.00} on behalf of XXXX. From XXXX until XXXX I sent XXXX {$10.00} payments totaling {$70.00} to CMRE. I stopped getting letters from CMRE. On XXXX/XXXX/XXXX received bill from XXXX for {$170.00}. ( 2 years later ). I paid check XXXX on XXXX/XXXX/XXXX for {$25.00}. Never received updated bill. On XXXX/XXXX/XXXX I received bill from XXXX for {$130.00}. I sent check XXXX XXXX/XXXX/XXXX for {$25.00}. I have now received XXXX new collection letters from CMRE for {$65.00} and {$140.00}!!! I can not keep paying these XXXX companies all this money. I have never been credited correctly by either company. I feel I am now being ambushed to keep paying money out that is not due. I can not get anyone on the phone to straighten this out. Over two and half years I have been chased for more money and never once got an accurate updated statement showing the {$150.00} I have paid out between XXXX XXXX and CMRE.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX, a fraudulent Chase credit card was opened in my name. As soon as I saw the hard inquiry on my credit report, I called Chase, and all of the credit bureaus. I filed a dispute. It was found to be fraud. Chase said they sent all of the information to the credit bureaus. Experience then removed the fraudulent hard inquiry from my credit report. As of today, XX/XX/XXXX, Trans Union still had not removed the inquiry from my credit report, claiming they never received the documentation from Chase. I called Chase and they confirmed they sent the information months ago. I want Trans Union to take the fraudulent inquiry off of my credit report. When I spoke to Trans Union today, they were not helpful, they told me they never received anything from Chase and therefore cant take anything off of my credit report.
Consumer complaint received 2015-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing is attempting to collect a XXXX, XXXX cellular phone bill when the delinquent amount is not owed. After speaking XXXX with Convergent representatives to demonstrate that incorrect or perhaps fraudulent charges have been assessed against the account holder, Convergent still makes attempts to collect this account.
Consumer complaint received 2015-07-07
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

Financial Asset Management Systems ( FAMS ) has kept my credit cards on file even after repeatedly telling them that I do not consent to them keeping my information on file. FAMS is engaging in illegal and deceptive tactics in flagrant violation of the Fair Debt Collection Practices Act. I never consented to allow FAMS to keep any card information on file, and even after repeatedly asking them to remove the information they have not done so.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just made a XXXX dollar payment on this card and it had a credit limit of XXXX dollars shortly after i made payment they reduced credit limit to a XXXX dollars. I called transunion and they said there was no reason this should of taken place,, They are not using the proper yearly income also based on my tax returns. The bank also told me it was Transunion 's decision to lower my credit limit, i have a credit score of XXXX and its been that way for years and i haven't been late on any payments on any of my cards or bills in years. My annual income isnt being used properly and after making a XXXX dollar payment and taking this action of lowering the amount i feel very violated by the bank.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My identity was stolen. I filed a XXXX XXXX City police report Case No. XXXX, and also a F.T.C. " Identity Theft Affidavit '', # XXXX. I submitted my notarized documents by certified mail to Trans Union, XXXX, and XXXX. They did not do a thorough investigation.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have XXXX inquiry analysis that were not requested by me. XXXX on XXXX/XXXX/2016, XXXX XXXX on XXXX/XXXX/2016, and XXXX XXXX XXXX XXXX XXXX onXX/XX/2016
Consumer complaint received 2020-06-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC (TX)

Two problems : I received the bill for to pay electronically which encourages for me to make my payment via the website. My payment is due XXXX and their system allowed me to set up my payment for XX/XX/XXXX and I am still getting calls everyday and when they call from an unknown 800 I have to assume it's them they are asking for the last 4 digits of my social security number and don't feel comfortable giving that out also I feel harassed that if I contacted the creditor on their website and made arrangements why do I continually still gets calls? 

Also, I requested Flagship for an extension due to Covid for two months and they stated can only do 1 payment extension/deferment and at no time did they mentioned it would be reported to the credit bureau as a natural disaster.

They also misspelled my name on the account and that is the way my title would come if I finished paying my car with this company.
Consumer complaint received 2017-03-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (NC)

Yesterday I brought my bank, Wells Fargo a check from a major financial investment company. I was taking funds from an investment account to put in my WF account. It was n't some personal check from nobody. it was verifiable funds from a major company. I told the bank manager I am ONLY depositing this IF you can make some of the funds available to me immediately! If you ca n't, I am going to another bank and opening an account. She was wonderful, personally handled the deposit and made a small portion of the funds available in my checking account immediately. 
IN THE MIDDLE OF THE NIGHT, Wells Fargo pulled ALL those funds back!!! I called the bank manager and she told me there is nothing she can do about it! How is it possible that I saw the funds available in my account for 12 hours, I have a receipt that shows them available and a bank manger personally handled the transaction and now THEY TAKE THE FUNDS BACK and put a HOLD on them!
Consumer complaint received 2021-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Late fee — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Could you please help me? I can not seem to get Navy Federal Credit Union to stop beating up on us. Every extra dime that shows up in any of my accounts, they yank it to pay their criminally aggressive, repressive and punitive fees. Then, this generates insufficient funds fees ( WHICH THEY CAUSED ). I have repeatedly withdrawn my consent from Navy Federal to remove or transfer funds among my accounts. 
Most recently I transferred {$22.00} to a checking account and then immediately set up an online payment with XXXX to debit this account for the same {$22.00}. The " transfer to credit card '' transaction that took place on XXXX/XXXX/XXXX was not authorized by me. This caused the payment to XXXX to fail. Subsequently, Navy Federal charged, not XXXX, but XXXX Insufficient Funds fees. Again, I have repeatedly withdrawn my consent to these undisclosed transfers, but they ignore me and continue adding to the mountain of fees ( WHICH THEY 'RE CAUSING ) My wife XXXX has been experiencing pretty serious health challenges since XXXX XXXX, and as a result, my income is sharply down because of missing so much work while taking on more of the domestic responsibilities. She has a herniated disc which exacerbated an already extremely difficult ( and unexpected ) XXXX. XXXX. We 're XXXX people in an XXXX home, XXXX miles between the two 16 year old vehicles we own, and mountains of debt owed to NFCU. What has effectively ruined my financial life with Navy Federal, is this rapacious practice of yanking money out of checking and savings accounts to support it 's exorbitant and grotesque fees, interest and penalties. It is egregious and predatory, and only adds insult to our current set of misfortunes. 
Please get a hold of someone there to put an end to the tyranny so that we can get our heads back above water. 
Much Thanks.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Equifax has a poor site for correcting errors. I have misinformation listed in my report that indicates a negative public record judgment against me. It is not against me, it is against someone else. XXXX had the misinformation listed also, but quickly removed the error ... upon request from me. XXXX did not list this misinformation, apparently they are more careful. What recourse does the public have with Equifax and XXXX? They have filed false information about me and this has cost me credit, and I have had my credit levels lowered by several of my credit card companies ... this could also have cost me an employment opportunity. I have been financially and emotionally injured, and spent a lot of wasted time. It seems to me that we the public, are victims of their casual yet powerful business practices. It is irresponsible of them to post negative information in our reports without at least advising us that they will be doing it. I am glad that there is this opportunity to pull up the annual credit report. If I had not been able to, who knows how much longer this misinformation would have been listed ... 7 plus years? It seems to me that we should be able to have access to our credit reports, without charge, every day. 
XXXX XXXX - XXXXXXXXXXXX
Consumer complaint received 2021-12-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is a formal complaint against XXXX, XXXX AND TRANSUNION. These companies have repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, these bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX, I complained to Chase that I used my debit card to purchase a " XXXX XXXX XXXX that I saw in an XXXX  advertisement. I explained to Chase that the money left my Chase Checking account on XX/XX/XXXX, but that I never received the product. Chase advertises that they protect their customers from vendors who do not fulfill the vendor 's end of the promise. Chase in a letter to me dated XX/XX/XXXX indicated that Chase would not reimburse my account even though I received no benefit for the money sent to the vendor " XXXX, XXXX XXXX XXXX XXXX. ''
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Trans union will not give you free report. They take you to a page asking For credit card information and tell you it cost {$24.00} to get your credit report. Then if you scroll backwards it takes you to another page that says its {$9.00}. After spending XXXX minutes filling out all this information and going back-and-forth you still do not get a credit report
Consumer complaint received 2020-09-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (IL)

I disabled my card, after they texted me saying my card was added to XXXX XXXX! And called them.. before the theft. Im assuming its the same as XXXX XXXX, I only have my card on XXXX XXXX. But, moving forward ... my card was ENABLED after I DISABLED IT! Transferred my savings to my checkings and withdrew my money! OVER XXXX!!!! Theyre making it seem like it was me, saying because my card was in possession they wont be reimbursing my money! I cut up my card ... So I know where my card was. Somebody who scams for a living or work there did it. This happened in NC. Never even stepped foot out there, or know anyone for them to have my card! And whos even able to do all that?! Without my info? If it wasnt me.. other than them? I got police reports in both NC ( XXXX ) & XXXX, theyre still giving me a hard time!!!
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

I am currently experiencing extreme difficulty with the credit bureaus. Experian, XXXX, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, First Premiere, and XXXX XXXX are all in good standing. I have been paying about XXXX-XXXX % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a XXXX balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TEXAS CAPITAL BANCSHARES, INC. (WA)

I've been trying to close my online savings account with Bask Bank since the middle of XXXX. My last conversation was on XX/XX/XXXX. They said it's been closed but I'm still able to log into it. Is Bask Bank a ligetimite bank?
Consumer complaint received 2016-03-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bull City Financial Solutions, Inc (NC)

I was sent there for a medical issue from XXXX XXXX XXXX in XXXX XXXX NC. It is a free medical clinic and they sent me to XXXX XXXX to have a XXXX done.