davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have been sending written letters with regards to my request of removing the inquiries in question and my last request was sent XX/XX/XXXX. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-03-20
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. (WI)

During mid XXXX I began to dispute the inaccuracies on my credit reports with the 3 Credit Bureau 's Equifax, XXXX & XXXX. I requested that my reports reflect my corrected legal name & current address along with that request I requested that they remove a couple unverified collection accounts and a public record that was listed. 

I formally asked these 3 Credit Bureau 's to legally investigate and verify the inaccurate information being reported on my credit files but all 3 have failed to do just that. I've been disputing these inaccuracies for the last 4 months with no resolution of the inaccurate information being reported in my credit files. 

The inaccuracies being reported are listed below by Credit Bureau 's : EQUIFAX XXXX XXXX bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XX/XX/XXXX Unknown Creditor : XXXX Date Opened : XX/XX/XXXX Amount : {$120.00} XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX  XXXX XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX Bankruptcy File Date Of : XX/XX/XXXX Ref # : XXXX XXXX XXXX : Account # : XXXX Amount : {$410.00} XXXX XXXX : Account # XXXX Amount : {$1100.00}
Consumer complaint received 2021-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (TX)

I have been reaching out to this company via email and phone for a few months requesting an accurate payoff. They keep giving me an amount that I disagree with and they will not tell me how they are reaching the amount of {$870.00}. Per a phone call, I was told it did not include accrued interest, but that is all they would say. I have requested numerous times for a reasonable payoff but they are not interested in discussing this. Every email I send, they only respond with " please give us a call. '' Those phone calls go nowhere. I have asked for written confirmation by responding to, and answering my emails. Monday, XXXX XXXX I called them, per their email response and I asked to speak with someone that could assist me in getting this resolved. The representative gave me their disputes division email address, in which I have emailed three times and I have not received a response from them. I have also requested they remove the charge-off from my credit reports because I have been trying to resolve this and pay it off since before they reported it as a bad debt. I have also pointed out that they have reported to the credit agencies the incorrect original balance. The original balance, and the amount they deposited into my bank account was for {$800.00} on XX/XX/XXXX. They are reporting it as {$1000.00}. I have made a total of {$210.00} payment against the {$800.00}. I can understand interest. However, unless they are willing to justify the {$870.00} payoff, I disputed that. Per the XXXX phone call, the representative suggested I log into my account to review the contract. I told her that my login information is not working, and she did not assist in correcting that so I could log in. My last email dated XX/XX/XXXX, I have requested a copy of the signed contract and correction to my credit reports, along with a reasonable payoff amount and breakdown of how they are coming up with the {$870.00}. Trying to get an accurate payoff and/or explanation of a payoff higher than the loan itself should not be this difficult. I have consistently acknowledged this debt and I have consistently been trying to get it resolved and paid off. I need this information corrected on my credit reports, as it is preventing me from taking out a mortgage. I need the original balance corrected to {$800.00} XXXX that is all I received from them XXXX and the charge-off removed. I do not agree with being reported as a bad debt since I had been in contact with them consistently since before they reported it.
Consumer complaint received 2018-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BC SERVICES, INC. (TX)

XXXX 's client XXXX XXXX is a victim of ID theft. Her information was used to obtain medical services at various locations. She was contacted by several different collection agencies in reference to attempts to collect debt related to these services. One of these collection offices is BC Services working on behalf of XXXX XXXX. BC Services as well as XXXX XXXX have both been notified of the fraudulent nature of these accounts by way of official disputes sent both certified mail and fax. In providing the official dispute ( s ), address verification of her address at the time the services were obtained was provided showing her address DID NOT match the location for billing that was provided. BC Services failed to provide notification of receipt of dispute and attempted to collect on debt related to fraud AFTER receiving information detailing issues of my client and her ID theft situation. BC Services and XXXX XXXX are in violation of the FDCPA and FCRA.
Consumer complaint received 2022-10-28
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: HYUNDAI CAPITAL AMERICA (GA)

In light of recent investigation upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind XXXX of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. 

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (UT)

SYNCB/PPC- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in time.
Consumer complaint received 2020-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: EVERBANK, NATIONAL ASSOCIATION (NC)

TIAA Cref automatically deposits an annuity payment in my bank on the XXXX of every month. 

In mid XX/XX/XXXX2020, I changed banks and confirmed on the website and by phone that the new bank was correctly identified. I was assured by phone that the change would take place on XX/XX/XXXX and there would be no problem. 

On XX/XX/XXXX the deposit never arrived in the new bank. I found that their website had reverted to the old bank and sent the deposit to them ( where I no longer was a customer ). I have tried on multiple occasions to update the bank information. Each time the new bank is accepted and I'm issued a dated/time stamped receipt for the change in information. And each time it reverts back to the old bank. 

I eventually was able on XX/XX/XXXX to reach a supervisor at TIAA Cref who took my information by phone and stayed on the line while they confirmed that the system took the update. She said she could NOT send my money to me any earlier than 7-10 days by printed check mailed to my home. I did receive the XXXX check on XX/XX/XXXX. Today ( XX/XX/XXXX20 ) I checked the website again to assure myself that the new bank would be used for the XXXX deposit as promised by the supervisor during our phone call. 

The website still reverts back to the old bank. While I have a verbal assurance that my check will be properly deposited next month, that seems pretty weak. I believe they are " working the float '' to their advantage and not in keeping with their agreement to me to have the funds available on the XXXX of every month.
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I received a phone call from JP Morgan Chase Bank regarding an Amazon credit card account. The customer service representative asked me to pay {$400.00} at this time for an account that has been delinquent since XXXX of XXXX. I asked to speak to a supervisor and he got me in contact with an account supervisor named XXXX whose ID is XXXX. I told her due to the current COVID-19 pandemic I am unable to work like many other Americans and requested another deferment on the account. According to XXXX, on XX/XX/XXXX a letter was sent to my address, which she said waived four months of payments from XX/XX/XXXX - XX/XX/XXXX. All of the late fees were removed for non-payment. According to XXXX, she is not able to offer any more deferments on the account and asked that I contact a credit counseling agency at XXXX. Without a job it is almost impossible for anyone to payoff there creditors due to the COVID-19 pandemic. I ask for assistance with this issues because my bank XXXX XXXX XXXX XXXX has provided a deferment each month since the pandemic began. JP Morgan Chase Bank refusal to provide assistance will cause my credit score to go down even further.
Consumer complaint received 2021-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

At the end of XX/XX/XXXX or XXXX, 2021, I went out of town for a funeral and family gathering. There had been a big fight which ended in a shooting in our neighborhood which reached our family. One of the persons fighting was around. There fights had been going on and off. I explained to wells fargo that I did have a police report but it wasnt the one directly for this incident. While we were out of town conducting one of the funerals, a fight took place back home and things were detroyed and taken. My identity had already recently been stolen when my vehicle was broken into earlier this year. When I came from out of town, I checked my bacnking, as I was going to make a purchase but couldnt find my card. I'd been out of town for about XXXX days, from the end of XXXX, beginning of XXXX until the XXXX or XXXX of XXXX. I explained to wells fargo that we think we knew who did it but weren't sure becuase when we returned, th eplace was trashed. I just assumed it had something to do with the fights between a younger cousin and his classmate, which lead to the deaths that were at hand. I fioled a dispuite and was only told I authorized the transactions when the card wasn't even in my possession. I am at a major loss right now. I lost over XXXX dollars. The person went to places I've been, which are common plqces and some that Ihave no idea about. Either way, I lost money that I need to feed my family and kids. WHAT DO I DO> PLEASE HELP! MY ID, social and everything has been taken. I've had issues since! It's horrible!
Consumer complaint received 2017-09-14
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (AZ)

I was first contacted by XXXX XXXX with XXXX ( telephone number ( XXXX ) XXXX ) on XX/XX/XXXX claiming that he was with a firm and that I had been listed as a defendant in a complaint by a client of their office. He said he intended to inform me of my legal rights before the case was filed with the district court and to see if I had any questions regarding the contents of the case or would like to submit a statement in my defense. When I called, however, it was an attempt to collect money and I was told if I paid in full or set up recurring payments then we could settle the matter. I asked for validation of the debt in writing and XXXX XXXX said he would get a letter sent out. I continued to receive calls from XXXX XXXX XXXX and each time I informed him that I had not received a validation and that I would rather not discuss the alleged debt until I had confirmed the legitimacy of this claim. As of today, XX/XX/XXXX, I have yet to receive the validation of debt I had repeatedly requested. I spoke with XXXX XXXX XXXX again today in response to a voicemail he left me prior. I was informed that today was the end of my 30 days, though I was not aware that we had a timeframe, and that my wages would be garnished or I would have 30-90 days to pay depending on the judgement. I searched public records and have contacted the county I had previously resided in and the county I reside in now and both counties confirm that no paperwork has been filed for a case.
Consumer complaint received 2019-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

Ally bank is showing me As paid late XX/XX/30 and this is not correct ally bank finance rep failed explained that this was an error in the payment processing on ally bank part and they would Assure I wouldnt not occur any late payment and Fees and now my payment shows late as a result of their processing error
Consumer complaint received 2023-03-07
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: CarMax, Inc. (GA)

In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NE)

I have been working on this issue for 7 years, you helped get some records from US Bank however they did not provide some very pertinent records that would corroborate their position that my father requested the XXXX Line of Credit be left open. What the provided CFPB with was the original LOC he signed in XXXX. US Bank did not provide the copy of a signed application for his XXXX LOC to be left open. I asked for a copy of the document. I asked because there was not such a document in his papers, I asked him if he asked for it to be left open and he said paid off. I can no longer ask him because he passed away XX/XX/XXXX at XXXX. The bank agent in Loss Prevention said the account is marked closed in the bank files with his XXXX LOC he opened to pay it off. 
However, the XXXX LOC was left open and XXXX went out of it and my dad was saddled with this debt by US Bank saying he asked it to be left open. It broke him, he spent his last years broke and paying every dime of his Social security to this unauthorized LOC. I became his care provider and had to pay his bills that he couldn't as well as my own. His SSN was deposited and then automatically debited by US Bank to pay his legitimate XXXX LOC as well as the fraudulent newly created XXXX LOC. He did not sign any application for his XXXX LOC to be left open and he did not get any funds from it. Yet it was debited out of his checking account and supposedly paid to a closed account every month until his death. I asked the XXXX Police Department to file a Fraud charge against US Bank, I have asked Legal Aid to help with this issue. I asked CFPB to get the copies of the original signed documents. You sent me what US Bank provided you but you were given what documents they had, You did not send me a document with my father 's signature asking for the XXXX Line of Credit to be left open after it was paid off in XXXX of XXXX. Please, ask the bank where the application or request is that they debited his account monthly. They did send the payment history for the account but it is based on the XXXX LOC he paid off in XXXX with the LOC he took out to do that exact payoff. Somebody took advantage and exploited an XXXX year old vulnerable senior citizen causing his quality of life to take a downward spiral. Thank you
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HANCOCK WHITNEY BANK (FL)

I received an email with a promotion code ( XXXX ) for {$300.00} from Hancock Whitney Bank on XXXX XX/XX/XXXX and opened an account on XXXX XX/XX/XXXX. I met all of the conditions by the deadline XXXX XX/XX/XXXX. 

Although they also agree I have met all of the terms and conditions spelled out in the promotion, I was informed i would not receive the promotion upon follow up because I'd received a savings account promotion within the last 12 months. That promotion was received in XXXX. 

The emailed terms and conditions state very clearly : " Limit one new consumer checking related bonus per household per calendar year. '' Their excuse does not apply as 1 ) XXXX is not calendar year XXXX and XXXX XXXX a consumer checking account promotion is not a consumer savings account promotion.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MD)

Good Morning, I have been attempting to link my account with XXXX in effort to begin buying stocks. I have continued to be blocked by PNC to link my checking account with XXXX. I do not understand the reason for this. Please provide me some type of addition information. Thank you. 

Respectfully, Consumer
Consumer complaint received 2018-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I placed an order for a {$100.00} e-gift card on my XXXX 's account. At that time, my account was flagged for fraud. I called XXXX XXXX Fraud Prevention department and they cleared my account and tried to replace the order for me. However, after several attempts they were unable to do so but the charge of {$100.00} still shows against my account. I have called everyday ( sometimes more than once ) to try to clear this up, but no one at XXXX XXXX is willing to help. I just keep getting transferred to different departments.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

PayPal opened on XX/XX/2020 an unauthorized Credit Card account # ( SYNCB/PPC - XXXX ) under my name but with an unknown ( XXXX ) email address. 
Paypal also made hard inquiries on my credit report which reduced my credit score. I have an account with PayPal with another email but I have NEVER applied for credit card EVER with PayPal. This is fraud by PayPal and is purposefully forcing costumers to sign up for their credit card.
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: ACIMA CREDIT, LLC (NY)

I made a purchase of jewelry that had a precise value, two weeks later the jewelry had a higher price. So I decided not to buy it, but I had already paid the remaining amount which was XXXX. Why did I pay for this before the jewelry was shipped? Because Acima has a facility that if you pay before 90 days, you pay the exact amount of the product without interest. XXXX XXXX XXXX They say they sent me the product on month 6 on day 9, which may not be possible because the jewelry is in Florida. They have no proof that they sent me the product, because it did not, not even a tracking number. Acima from the beginning told me that I would insure my money, Acima credict had full knowledge that even a month later they had not given me the jewelry, since they made a call to me on XX/XX/XXXX to find out if I still wanted to continue with the order where I I gave him the approval that we wait a week to see if the jewelry really works. The jewelry information is Mr. XXXX the difference, telephone # XXXX ) XXXX XXXX
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Several Wells Fargo accounts were opened which were not authorized, numerous prior CFPB complaint were filed, unresolved, pertaining to this issue and fees/damages associated with these accounts.. A mediation session was made with Wells Fargo and a XXXX XXXX , rep on Wells Fargo side . XXXX offered a small remedy amount of {$300.00} then moved to a higher amount of {$500.00}, which does not cover damages sustained due to these accounts.. As explained in prior complaint, I've lost potential interest as result of inability to open accounts, due to information reported prior by Wells Fargo to one or more consumer reporting agencies. The amount, {$500.00}, does not cover damage amount and a lawsuit will have to be filed, unless Wells Fargo is willing to make a reasonable offer to compensate. Failing to do so, I request these mediation packets STOP .... I've received several of these, filled out five or six, no reasonable offer made which I described above..