davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
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: EQUIFAX, INC. (IL)

The bureaus not following the law.. They have not provided me with any of my investigation results.. I have sent out several disputes and they are not complying with the law.. I demand concerns be resolved and deleted off my credit report.
Consumer complaint received 2020-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (WA)

I paid Macy 's in full and they are reporting it as a charge off. I paid it in full once I was notified of the debt. I was making auto payments and was not aware that Macy 's was considering it not being paid. I never stopped making payments and finally received notification that I had to pay the balance in full. Once I received that notification, I paid it in full. They set up this 0 interest and XXXX  payment until such date and it lured me sign up. In hindsight, I should have paid it in full at time of purchase. Now this negative report of " charge off '' is preventing me from getting a loan. I have paid this debt and it should show as paid as full. 
Attached is the final payment. Again, I was making monthly payments the whole time.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (MD)

Several years ago I purchased a washer and dryer set from Lowe 's. I set the purchase up for delivery ; however, Lowe 's did not deliver the appliances. I subsequently canceled the order and asked for a refund. Several months passed, and, I kept getting credit card statements showing a balance on the card for the purchase ; and, I called corporate several times to have this removed from my card. I asked them to make sure it's removed from my card and there are no negative remarks on my account or credit report. They ensured they'd do both.

I checked my credit report due to lower scores than expected and found Lowe 's reported my payments as being late for the card. I have not used my Lowe 's card since the incident in question, and, I know the remarks are pertaining to a purchase that I never had in my possession. This is grossly incompetent.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (IL)

Good day, On XX/XX/XXXX, I opened a Wells Fargo credit card and requested a {$5000.00} balance transfer to pay my XXXX card. When I viewed my account on the Wells Fargo ( WF ) web site it showed deducted from my available credit, but never posted and was then added back to my credit line. I called WF on XX/XX/XXXX to ask about the status of the transfer, I was told it was cancelled and needed to be reprocessed and to go online and resubmit the transfer, which I did..On XX/XX/XXXX, I noticed the initial {$5000.00} transfer AND the 2nd transfer for {$5300.00} were both processed on XX/XX/XXXX, resulting in the account going over limit. On XX/XX/XXXX I called WF and was told they couldnt recall the transfer and chase needed to send the funds back. When I reached out to XXXX, they stated they were unable to and that WF needed to submit a good faith request in order to send the funds back. Today, XX/XX/XXXX, I called WF and advised what XXXX instructed and was told they dont do that and that I NEED TO HAVE XXXX  SEND THE FUNDS BACK!!! They did advise they are aware of an issue thats occurring with balances transfers, but apparently arent taking action to mitigate the issue and putting the responsibility on customers to figure out. At this point, I had to request a credit balance refund so I can directly pay WF. In the meantime, my credit score has taken a huge hit due to the over limit status of the account.to assist with fixing this matter, WF needs to issue credit for BOTH balance transfer fees for the inconvenience this has causedalso any over limit fees need to be waivedapparently WF has not learned from the recent enforcement action and $ XXXX fine. I shouldve known better than to open an account with them.
Consumer complaint received 2022-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This MIDLAND CREDIT MANAGEMENT account with a balance of {$200.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXXXXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

After 3 repeated attempts to notify Equifax of 3 unauthorized hard inquiries on my report they refused to remove or investigate inquiry with the company they release my credit file to without my consent. these company show up on my Credit report XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX without my consent, written or orally. I did not give it, So I ask Equifax to delete iimmediately and they continue to refuse. 
They refuse to provide me any evidence of any authorization, nor any permissible purposes as I have continuing been requesting. 
So in leu of that according to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports, can only be released, if initiated by the consumer with his or her permission. I did not initiate access to these companies. Produce documentation or Delete Immediately. 

Equifax needs to delete hard inquiry for XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX  for releasing credit file with out my consent and failure to show proof of authorization
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO. (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FORD MOTOR CREDIT ( I add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-05-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

CD @ Wells Fargo was suppose to close during grace period per call on XX/XX/XXXX to their XXXX XXXX in XXXX SC .... They renewed $ XXXX@ .03 % ... which I feel is fraud! 
Case # XXXX.
Consumer complaint received 2020-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc. (FL)

I am a customer of skrill for at least a year. I called them many times in the month of XXXX asking for the transaction limits policies. Every time I called their assured me the limits were {$500000.00} to deposit and withdrawals. After confirming this transaction limits policies three times, I decided to transfer {$97000.00}. Once my money was in skrill I started having problems ( XX/XX/XXXX ). They said I can only send money to another skrill account up to {$20000.00} every three months which I send to another skrill account the money, leaving me with a balance of {$77000.00}. They also said I can only withdraw {$15000.00} every three months, however, I cant no even withdraw the {$15000.00}. Skrill has put a restriction on my account for no reason for withdrawals. They asked me to provide them with all my information such as bank statements, social security card, passport, driver license. They said the " case '' was escalated, however, every time I called they said to wait. I have been waiting and waiting and no answer. They said a manager will contact me, however, nobody has contacted me yet. They always said due to the high volume of cases, managers are backed up, so I have to wait. I am afraid they are just going to keep the money. I read many reviews online which states skrill tends to keep the money. I need help. I can not lose this money. I can not afford to lose {$77000.00}. Please help. One of the reasons I decided to do business with skrill is because they stated " Skrill USA Inc. is registered with XXXX and holds licenses in various U.S. states. '' I CAN NOT WITHDRAW MY MONEY. THEY ARE HOLDING MY MONEY HOSTAGE. PLEASE HELP. I JUST WANT MY MONEY BACK.
Consumer complaint received 2018-07-16
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. (TX)

After sending information to verify myself with my disputes on XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (SC)

I have 2 accounts with Synchrony Bank. One was for a Rooms to go Card and one was for an Amazon Card. I fell behind on these accounts due to the illness of my father resulting in him moving in with me and my having to be his XXXXXXXX XXXXXXXX   and do his XXXX at home. He recently passed and I am trying to correct this. I contacted Synchrony bank and was told that they could not take a payment for the outstanding balance because they had sent me a 1099-C. Now I have to pay taxes on this amount and they refuse to update the status on my credit report. If they want to forgive the debt and not let me make it right, it is unfair that they continue to report a closed account with a balance which is affecting my overall credit utilization and my credit score and making us unable to qualify for a home loan. I am requesting that they either let me pay the debt back, or update the credit reporting to show a zero balance ( since the debt was forgiven and I have had to pay taxes on it. ) If they had sent it to a collections agency it would have been less harmful than this because it would have shown as a collection and not a continually negative item that is closed but still has a balance. It is unfair to continue to punish someone who has tried to correct and pay the balances IN FULL. I have sent goodwill letters, emailed the corporate secretary, tried to contact the COO of Synchrony Bank on XXXX. 

The Rooms to Go/Synchrony Bank : Account XXXX and had a balance of {$1000.00}. It is reporting as " Charged off as bad debt, dispute resolved, customer disagrees '' and was closed XX/XX/2014 Contact SYNCB/Rooms To Go : C/O : XXXX XXXX XXXX XXXX FL XXXX Phone XXXX. 

The Amazon/Synchrony account XXXX and has a balance of {$610.00}. Reporting as " Charged off as bad debt, dispute resolved, customer disagrees '' and was closed XX/XX/2014. Contact SYNCB/Amazon PLCC : XXXX XXXX XXXX XXXX FL XXXX Phone XXXX I am a XXXX  and XXXX XXXX   XXXX XXXX XXXX XXXX, my husband is a XXXX  and we do not deserve to be treated this way when we have tried to pay this in full.
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (OH)

The Chase XXXX XXXX XXXX XXXX card promised to provide a credit improvement only upon obtaining this card, several years back. 

I pay annually XXXX $ to maintain membership with this card. The sole purpose is that I am trying to improve my credit score. 

However, the company lied about its intent. It cut my credit line at an inopportune time,, and sneakily, when actually I was trying to make big payments to pay the account. 

I spoke with XXXX and he was very rude in CS. I was  disconnected several times when talking about this issue, as they declined to answer. Mr. XXXX said someone from his managerial side is going to contact me regarding this account, and so far no one called. 

Unfortunately, I also have an account in this bank which made a primary goal to destroy consumer credit. Also, they do not have the correct information regarding my credit history which makes it unlawful to cancel my credit line by substantial amounts. 

Please investigate on their fees and other activities including cancelling or lowering accounts when they wish to review without customer knowledge.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (CA)

I filed a complaint on here a few weeks ago XXXX XXXX XXXX XXXX and also had the CFPB send a copy to the original creditor JP MORGAN CHASE BANK. Ive gotten a response from chase stating they they are not the appropriate company to address this issue. In the letter frome XXXX XXXX XXXX XXXX which was attached states the Chase is there CLIENT. Also XXXX XXXX XXXX XXXX use lawsuit as a fear tatic and is perceived as a threat. In a response XXXX STATES they have no control over the account which is funny why are you contacting me saying your is client chase and chase states its not there problem. Both XXXX XXXX XXXX XXXX and JP MORGAN CHASE BANK responses conflict with one another and is a direct violation of my rights using fear tactics and not one company addressed the situation. Lastly XXXX XXXX XXXX XXXX said for me to contact them to discuss more info but how if you dont own the debt as stated.
Consumer complaint received 2020-05-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP (TX)

This was back before I XXXX to XXXX I wanted to cancel my loan contract and returned the vehicle but the car store and us bank refused to buy back the vehicle which is a violation of the SCRA rights ... us bank told me I wasnt allowed to do that before XXXX and I didnt have much time so I just kept the vehicle in my possession even when I gave them a copy of my orders ... I totally forgot about this situation but I did told them about my XXXX and they swept it under the rug ... its real sad they will do a XXXX XXXX and most of all a XXXX veteran like that
Consumer complaint received 2020-11-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (FL)

In XXXX I got a {$1900.00} loan. When I submitted my application it asked for my pay dates which are the XXXX and the last day of every month. Upon review of my loan these were reviewed and agreed-upon. When I received my first statement in the mail my due date was different than my paydays. When I first inquired back in XXXX, there was no explanation. I made a {$600.00} payment. My next due date was in XXXX in which I made a {$500.00} payment. upon that payment I inquired about the payment due dates once again and thats when I was told that their company does not allow for payment due dates to fall in the last day of the month. So I was switched to monthly payments. Then on XX/XX/XXXX I made a payment in the amount of {$330.00}. All but {$24.00} went toward interest. Yet the previous two payments in the amount of {$500.00} and {$600.00} went directly to principal. 
When I made my XXXX payment in the amount of XXXX I asked that it go to principal and they assured me at one. This payment was processed on XX/XX/XXXX however on XX/XX/XXXX they increased my principal balance by {$460.00} and then applied my {$500.00} payment. It took three different phone calls and three different representatives to tell me that I had accrued {$460.00} of interest. Yet when I looked at my account history I had never incurred that much interest in between payments. again no one could really explain this and I was told I would be contacted by a supervisor and that never happened. I even filed a complaint with the XXXX XXXX XXXX and they never responded to their attempts to resolve the situations. 

I called again on XX/XX/XXXX, To inquire about paying off my loan and that I would like to make a payment for the principal amount and I was told that they do not allow that that some had to go towards interest. Again thats not what happened to my first two payments as they werent entirely to principal. I was put on hold while she investigated and of course nobody came back to the line so I hung up and went on their website and decided to pay off the loan in full so that I no longer had to deal with this company. 

I borrowed {$1900.00} in XX/XX/2020 and paid a total of {$2900.00} by XX/XX/2020. In four months I paid an extra XXXX dollars. I was never made aware of the interest rate every time I logged into my account the interest rate state XXXX XXXX I inquired about the interest-rate via email and of course the representative never got back to me.
Consumer complaint received 2020-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (SC)

Procollect INC, contacted me about money owed for breaking a lease. I payed them the total amount but they keep the collection on my credit file to look like a loan paid in full. It was not a loan and should have been removed when I paid in full. I filled a dispute with XXXX and they said only Procollect could remove it from my Credit report. Im a XXXX XXXX veteran and on a limited income. However, I paid the debt now Procollect should remove it.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX {$3400.00} XXXX XXXX XXXX CO XXXX {$21000.00} XXXX XXXX XXXX CO XXXX {$18000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX XXXXXXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Consumer complaint received 2021-02-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (CT)

An unauthorized credit transaction was done with my credit card as defined under XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there was a finance charge involved as defined XXXX ( XXXX ). An alleged debt has been placed on my persons, which is a violation of XXXX XXXX XXXX XXXX XXXX XXXX, because they falsely represent the status of a debt. There is no consent for any of my consumer information to be furnaced to any Bureaus or XXXX parties. Violations of the truth and lending act, FTC, and the FDCPA have caused significant damages as a consumer. The original creditor does not validate this alleged debt. I have firsthand knowledge of violations supported by documentation. Debt XXXX have imminently invaded on consumers legally protected interest.