davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
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. (TN)

This complaint includes CFPB, Experian, and XXXX. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. Experian, XXXX  are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States XXXX District of Tennessee Bankruptcy Court in XXXX, TN. Experian has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, Experian, XXXX  have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the Experian and XXXX  have been verifying and reporting information from the furnisher XXXX, that they're not reporting.
Consumer complaint received 2021-04-26
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX  XXXX XXXX allowed multiple fraudulent deposits into my account. We were the victims of this fraud. XXXX  XXXX XXXX closed our account and kept our funds. Because of this, we have been unable to open any account for a year. They also allowed XXXX, XXXX dollars to be removed from our account without being able to tell us where it went. They alleged it went to IRS. According to our tax attorney, IRS never received that money
Consumer complaint received 2023-03-11
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (GA)

THIS IS NOT A DUPLICATE COMPLAINT. I am submitting information to prove I met the terms of opening an account with a promotion. I received a response letter stating that I did not keep an average balance of XXXX  . However, you calculated that average from account opening, even though the terms state I had 10 days to deposit the amount and FROM THAT DAY, maintain a XXXX balance. I am attaching my savings account statements that show starting on the day of the XXXX deposit, that money was left in the account for the correct amount of time. Thank you!
Consumer complaint received 2023-01-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IN)

623 15 ( c ) reporting 1561 I had recently been in*2 car accident ( 1 ) year apart and I work really hard to pay off debts for the entire year. My credit score went up XXXX points. But, recently as points of XXXX was reduced and total of XXXX points was removed but, they should have been added instead. I have reached out daily. I spoke with a client that didn't know the difference from an installment loan to a credit card loan. ( considering )!! I receive email alerts that keep me informed of any updates. I was told 3 different times that my points were going to improve by first XXXX points, then XXXX points then XXXX points but instead the reduced them. I just paid off bank settlement with XXXX bank on a XXXX XXXX XXXX after 1st car accident. Only for a customer rep. to misread it and invert the points system and cheat me. After, calling them and notifying them of the error, I was told that they could not see, what I see ( how you guys sent email ). I personally feel attack and discriminated after staying in touch with my credit all the time. I was also decline the larger amount of lump sum of Settlement with XXXX XXXX breach and I was hack by both XXXX, XXXX and XXXX  XXXX. I submitted proof. I receive a settlement of {$4.00} REALLY a SLAP In the FACE Of a BLACK WOMAN
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello, I just noticed these fraudulent charges appeared on my credit report and I need them to be removed as they are a fraud. I never give consent or permission to anyone to charge my accounts. please be sure to remove these unauthorized fraud activities out of my report. My wife and I are very affected by this situation, we are trying to buy a house and because of these fraudulent activities, we are not able to make any move. Please consider removing them from my accounts.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The only name that should be reported on my credit report is XXXX XXXX XXXX. 

No other name is correct. I have tried time and time again to resolve this.
Consumer complaint received 2023-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NJ)

I never received any notice or notification by mail stating I owed a debt nor did I have the opportunity to dispute the debt that I do not owe. I was never contacted by this creditor either yet they put this claim on my credit report.
Consumer complaint received 2021-07-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (FL)

I signed up for MoneyLion for a loan, which requires a monthly membership fee of {$9.00} for access to this and other features. They release XXXX for the loan and hold XXXX until you pay off the loan. The loan repayment terms is about {$45.00} every paycheck. 
They also have an XXXX  feature to get quick cash when you need it with no fees ( supposedly XXXX. 
I took out one quick cash advance of {$50.00}. I was debited {$59.00} for repayment. 
This morning, I woke up and see I was charged an additional {$330.00} two times for XXXX XXXX. 
So, in total, I took out {$50.00} in XXXX and was debited, {$720.00} for XXXX XXXX. 
I am not sure where these charges are from as I only took out {$50.00} once, and the terms of my loan didn't include two payments of {$330.00} on top of each other. 
I would like my money back and my account canceled. I did not authorize this. No one informed me of this and it is grossly unfair and abusive being a company that supposedly helps you build credit.
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA is purposely charging excessive overdraft fees and trying to post transactions late so they can get more fees and have more money taken from me. 

On XX/XX/XXXX, they charged me a {$29.00} overdraft fee because they said there were not sufficient funds for my XXXX debt amount of {$45.00} which was attempted on XX/XX/XXXX. A simple review of my account will show that I had sufficient funds but because they chose to charge me another {$58.00} in overdraft fees and not honor the government moratorium and the FDIC 's instruction to institutions to waive overdraft fees during the COVID-19 pandemic, their fees are causing me to go further in the hole. They also purposely changed their banking policy in XX/XX/XXXX so they can try and seize people 's stimulus checks. They sent letters via hard mail to me stating that all overdraft fees would be waived. Conveniently those letters were not uploaded to my account until I called in and they were only able to find the one from XXXX and didn't upload it until XX/XX/XXXX. In the past 3 weeks they have charged me SEVEN overdraft fees at {$29.00} and purposely use those to stack additional overdraft fees when I am in the negative because of fees they charged. I called in and they told me that the over draft fees should fall off ( get the recording from the rep ), then the rep said, wait no, the hardship was good through XX/XX/XXXX, but my letter says XX/XX/XXXX. AND they charged me overdraft fees for attempts made before the expiration of the hardship. USAA is a horrible company. I have sent numerous messages and they ignore me. I call and they put me on hold after I get put on a list for them to call me back. XXXX waived their overdraft fees, so did every other bank, but USAA is charging them on purpose and misleading people when they call in like me by telling me they should drop off and then when I call back I get someone else who says oh wait the hardship was until XX/XX/XXXX, which is not what the letter says. That is {$210.00}. Now I am overdrawn because of the overdraft fees and they are going to charge me another overdraft fee for being overdrawn because of their fees. I have struggled due to a significant income reduction because of COVID-19 and USAA has been unwilling to help, follow the federal moratorium like other banks, and adds the debits and credits in an order so that the account is overdrawn so they get more fees. They make sure they add their overdraft fees first so everything else is rejected and then charge more fees. They are a joke. They do not help military families. They are liars. Ask them how much they made on overdraft fees. I have letters from them telling me they are waiving overdraft fees they assessed last year because of an audit they did. Of course these letters are not saved to my account, but I have hard copies. They are sneeky and deceptive.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

Received letter from XXXX XXXX XXXX XX/XX/XXXX notifying me of line of credit decrease based on credit report from XXXX indicating a delinquent account in the amount of {$590.00} with SychronyTJX Rewards. Upon accessing my credit report I discovered that somebody had fraudulently opened an account with this company on XX/XX/XXXX. I proceeded to dispute the fraudulent account with XXXX. XXXX then referred the dispute to Synchrony on XX/XX/XXXX. I then received some paperwork from Synchrony dated XX/XX/XXXX which I completed and faxed back to them on XX/XX/XXXX. Synchrony did its  investigation. And in a letter dated XX/XX/XXXX acknowledged that the account in question was not opened by me and I was therefore not responsible for same. Subsequent to that, however, I received an email from Synchrony on XX/XX/XXXX wherein they are reversing their prior determination and stating that I am in fact responsible for the fraudulent account.
Consumer complaint received 2018-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TN)

I disputed an account with the credit reporting agencies about an account I see on my credit report. they claimed the account was verified and when asked how it was verified the credit bureau said " we take their word for it '' complete disbelief when I heard this. so I contacted the collection agency ( XXXX XXXX XXXX  ) my self and asked for physical proof the account was mine. a contract with my signature on it, photo id used to show proof that I was me opening the account and any other identifying information used to show it was actually me. the lady claimed they don't need that nowadays to open an account. so I asked did she not find nothing wrong with that? she said that's how they do it nowadays. that's also how identity theft occurs. nobody wants to get or see physical proof of the person who is wanting to obtain goods, they just let anybody use anybody 's information.
Consumer complaint received 2023-01-28
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. (OH)

I show a XXXX XXXX XXXX on my report. Ohio law and courts do not report to credit bureaus or third party reporting. The courts do not allow that and will not provide that information to the credit bureaus. They are not permitted XXXX, XXXX or Experian to place information on my report without accuracy or proof from the courts. I would like this removed immediately from all three bureaus.
Consumer complaint received 2021-08-10
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. (TX)

FCRA VIOLATONS : REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX ONLY REMOVE THESE INFO : XXXX XXXX XXXX XXXX, TX XXXX Dispute this ACCOUNTS ONLY REMOVE : XXXX  XXXX/XXXX  : XXXX View account details Account status Age of Account Late payments Closed 4 years 4 months 4 days 6 View account details Account status Age of Account Late payments Closed 2 years 11 months 24 days XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 5 months 19 days XXXX XXXX : XXXX XXXX View XXXX, XXXX : XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX  Date assigned XX/XX/XXXX XXXX, XXXX. 
View account details Account owner Individual Account Date reported XX/XX/XXXX Account status Unpaid Original Creditor XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

On the morning of XX/XX/21 my mortgage company Mr Cooper over withdrew my checking and savings account {$5500.00}. They took three months of mortgage payments in a row. Ive never been late, Im not on auto payment and had already made my XXXX payment. In the morning of XX/XX/XXXX I woke up to my bank accounts drained and had no money. Im lucky I have credit cards to get me through the day before the funds were replaced 12 hours later. I also bank with XXXX and it seemed to be an error on both parties Mr Cooper and XXXX for this unacceptable error according to social media. After an hour on hold with Mr Cooper I was offered no explanation but there was an issue with payment processing and XXXX after an hour on the phone with them could only route me to the claims department but did not give me funds to use for the day. I want to know what exactly happened and what compensation the company is going to award their customers for there inconvenience and breech of trust/law/ethics
Consumer complaint received 2020-11-12
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. (GA)

On XX/XX/2017 XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Hello CFPB, I check my Bank of America checking account balance every day and every night before I go to sleep to make sure I have a positive balance on the account. 

The evening of Thursday XX/XX/XXXX I had a positive account balance. On Friday morning XX/XX/XXXX I woke up to find I still had a positive balance, but Bank of America had retroactively debited a check I wrote from my account and manipulated my account balance to let three transactions go through ( while the account was temporarily in the negative ) in order for the bank to generate overdraft fees and an NSF fee. I went to sleep with a positive balance on Thursday XX/XX/XXXX and woke up with a positive balance on XX/XX/XXXX ( minus the {$150.00} in fees the bank had charged my account ). 

I feel cheated and defrauded by Bank of America. Bank of America used deceptive and manipulative business practices in order to maximize fee income for the bank at the detriment of the customer.
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TX)

DISCOVER BANK, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX attempting to defraud XXXX XXXX XXXX by fraudulently creating a security bond without disclosure, signature nor consent. DISCOVER BANK and attorneys mailed a document postmarked and XXXX XXXX, recieved on Friday XX/XX/XXXX, and response was mailed to attorney XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX has no wet signature contract with XXXX XXXX XXXX nor XXXX XXXX XXXX, nor does XXXX XXXX XXXX agree or consent to contratct with therefore, no debt is owed.Discover bank has not produced a contract nor have they provided true original authentic accounting that XXXX XXXX standards for any accounts belonging to XXXX XXXX XXXX
Consumer complaint received 2021-08-10
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. (AL)

On XX/XX/21 I sent letters to each bureau. I have not received a response yet. I feel like I'm being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused 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 2021-04-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (TX)

Security Fiance recently had my account being reported as charge off and due to XXXX XXXX compliance law the information on how it is being reported is not accurate it is showing XXXX XXXX XXXX XXXX XXXX XXXX etc.. they said my last payment was in XXXX if it was it needs to report XXXX XXXX XXXX XXXX XXXX XXXX then charge off.. I spoke to repressive name XXXX and I tried to request information and said I had to it in writing which is false if the company can't provide information or is go report information they need to report accurate or delete from my credit report