davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Certegy Holdings, LLC (VA)

After reporting the loss of my debit card to my bank, I had to rely on writing checks while I waited for my new card. I attempted to write a check for {$200.00} at a XXXX XXXX XXXX and the check was declined by Certegy Check Services even though my account balance on any given day is more than four digits in front of the decimal place. In addition, I have never written a bad check. In fact, I don't usually write checks, relying upon my debit card instead. I attempted to contact Certegy to get more information and found they only have an automated system that will not allow you to speak to a human being. The automated system gave me a very vague reason for the decline so I went to their website and received the same vague message ... This transaction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which can vary by store and transaction. Factors may include a combination of : the check number, dollar amount, check-writing history, or other transaction details ... If a company is going to impact my credit score and store information in a credit file regarding my transaction history, I should have been told the specific reason why an adverse action was taken. And while the receipt I received at the Super Market indicates I am able to dispute anything in my file, they do not have an option to do so on their automated system or website.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been disputing this same charge off auto account with both bureaus ( XXXX & Equifax ) for the past year. None of the information is the same across the board. They tell me each time they've verified this account all year when none of the information matches. From my understanding, charge off accounts are not supposed to show a past due balance. Equifax shows {$3500.00} past due while XXXX shows {$10000.00}. Just a month ago, XXXX   showed {$10000.00}, so charges are being added and I have NEVER made a payment on this account after it was closed. Both bureaus are showing a different Date of Last Activity date as well, Equifax shows XX/XX/2019, how was this last active that date when the account wasn't last active until beginning of XXXX and I still had the vehicle? XXXX is showing Date Last Active XX/XX/2019. The balance is also inconsistent, Equifax is showing {$10000.00} while XXXX is showing {$10000.00}. Equifax doesn't even have the type of account listed its ridiculous. My point is, if these accounts are coming back verified at the SAME time from the SAME creditor SOMEONE IS WRONG and someone didnt take the actual time to do it correctly. So for their apparent neglect in ensuring ACCURATE, CONSISTENT, and UP-TO-DATE info on my reports, I want them deleted from my credit reports. This is ridiculous and I shouldn't have to keep telling them the same thing for almost a year. XXXX alsways tells me the account is updated as verified and Equifax never sends me a response except for a darn credit report and its getting really frustrating.
Consumer complaint received 2020-08-18
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. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXXXXXX  {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (OR)

I had an XXXX XXXX during XX/XX/XXXX. By spending money on the XXXX XXXX, you earn dividends at XXXX to spend in the store. I received my dividend recently and it appeared to be XXXX dollars short. On or about XX/XX/XXXX, I called US Bank, who administers the XXXX XXXX, and asked them what happened. I was told by the CSR that yes, US Bank had under-reported what I 'd spent on the card. US Bank reported I spent approximately {$11000.00} during XX/XX/XXXX, when I actually spent over {$20000.00}. I was then told US Bank would research and resolve this issue over the following 10 days. US Bank has failed to this. In attempting to resolve this issue, I have had a US Bank supervisor named " XXXX '' take my phone number and tell me that she would call me back. She never did. Today I called again and spoke with another supervisor. He also told me US Bank was still researching this issue. It has become clear to me that US Bank is purposefully ignoring or delaying the correct reporting of what I spent on its XXXX XXXX to XXXX. This is in direct violation of the terms of the XXXX XXXX credit card and, in a court of law, may be considered a breach of contract. I hope that if other consumers are also having this problem with US Bank, that the Consumer Financial Protection Bureau will take action.
Consumer complaint received 2020-08-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Skopos Financial, LLC (SC)

I called in on XX/XX/XXXX to make a put for XXXX. Me and the representative did a work out plan to get my account back on track. We both agreed for me to.make a put and a half on XXXX  XXXX. I called the company XX/XX/XXXX to see about making the XXXX payment before the XXXX so I wouldnt have to pay the amount all at once. My unit was repossessed with arrangements set for the XXXX. I'm seeking reimbursement for time loss and the 2 payments made the month prior.
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (SC)

I owed {$1800.00} for a termination fee of my old lease. I was told by my landlord to not worry about other payments, but now Im hit with an extra {$1600.00} I do not owe and was verbally told I do not owe. I have emails asking to confirm if its okay from XX/XX/XXXX. I still have no answer. All I have is a debt collector calling me. I went ahead and paid the {$1800.00} last night and they said I can dispute the rest. As I was sent to their senior advisor I was told they will not accept my dispute and they told me why as I told them I can not afford just to pay a straight up {$1600.00} yet again since I just paid the {$1800.00} moments earlier. I was told to this is due to your negligence. You should ask you friends, family, or anyone else you can and see if you can borrow {$1600.00} and pay them back. Because the penalty if they want to come for that is the least of your worries. I then repeated most of that and the lady got mad and told me shes terminating and waving my option to dispute even though she wouldnt let me. Now Im stuck with {$1600.00} I dont owe. No way to hold off the payment and a rude altercation by a debt collector over money I again do not feel like I owe. 

I tried to reach out to them in email and phone call. My company wrote a letter on my behalf and couldnt get a response. And I was locked out of the building twice in the middle of work days to talk further about the {$1800.00} and when I can pay it. I was told to dispute it and I am not allowed too.
Consumer complaint received 2022-08-25
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. (PA)

Below are listed the hard inquiries listed not once but more then once. I have rights and to my fair credit reporting act they Need to show me proof as to where I signed an have copy of my license to prove it was me to run my credit. They not only did it once they have ran my credit multiple times at different months. I am not happy an tried my best to fix issue on my own but I need help. I want proof I allowed these companys to run my credit. My rights are being violated. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am an identity theft victim. Both XXXX XXXX and Equifax report that I had a chapter XXXX bankruptcy XXXX in XXXX. I deny that I had a bankruptcy discharge. XXXX XXXX agreed to stop reporting the alleged bankruptcy after I disputed it with them in XXXX of XXXX. I placed a security freeze on my XXXX XXXX report and XXXX XXXX confirmed placing the freeze on XX/XX/XXXX, so there's no way that Equifax obtained info on the alleged Bankruptcy discharge from XXXX XXXX in any disputes made with Equifax after XX/XX/XXXX. I've attached confirmation of the XXXX XXXX security freeze to this report. 

I filed an Equifax dispute to have the Bankruptcy removed. In correspondence dated XX/XX/XXXX from Equifax, Equifax states that the Bankruptcy will remain on my credit report because XXXX XXXX confirmed that the Bankruptcy listing is accurate. Clearly, Equifax  did not contact XXXX XXXX before denying the dispute. Had Equifax contacted XXXX XXXX to confirm whether the Bankruptcy discharge is valid, they would've received no information due to the security freeze. 

Further, Equifax could not have received information on the alleged bankruptcy discharge from US Bankruptcy court. I also attached a letter from US Bankruptcy Court which states that the court does not report information to the credit bureaus. XXXX XXXX nor Equifax could not have obtained info on the alleged bankruptcy from US Bankruptcy Court because the court does not report info to the credit bureaus.
Consumer complaint received 2020-08-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (NV)

I received a collections notice from Harris & Harris collections agency and a call as well, in XX/XX/2020. I was informed that I owed a total balance of {$5100.00} to XXXX Nevada XXXX XXXX. There were 2 accounts one in the amount of {$3700.00} and the second account was {$1300.00} both account were referred to Harris & Harris on XX/XX/2020. 

When I was contacted, i set up a payment arrangement, of {$100.00} a month to be deducted from my personal checking account and the payments are normally being withdrawn around the XXXX  of each calendar month. So payments have been made to and received by Harris & Harris against the total outstanding balance of {$5100.00}. I received a credit report text alert that my credit score had dropped 55 points due to the full balances being reported in collections. I called to discuss the balances that have been placed on my credit and the payments that I have made. I spoke with 3 representatives one of which was a supervisor, I advised them that it is unlawful to place the delinquent amount which is incorrect on my credit report I was told if paid it off that it would be fully deleted from my report. I was also told that they update the balance every month. Which does not take away from the fact that they are reporting {$5100.00} worth of past due accounts as an open collection on my credit report when that is not the amount that I owe. 

This is not the first issue I have had with Harris & Harris, I had also paid off another small account prior to the credit report date, and it was reported to my credit bureau report after it was paid in full. Which I disputed and was removed days later. I instructed Harris & Harris, I would not make any further voluntary payments until this issue has been resolved. 

I have included copies of bank statements which show XXXX transactions being deducted from my personal checking account between the XX/XX/XXXX and the XXXX of each calendar month starting in XXXX, XX/XX/XXXXpayment has also been deducted however my bank statement is not available yet.
Consumer complaint received 2023-02-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2023 Wells Fargo accepted a levy  filed from XXXX XXXX on the behalf of a XXXX  XXXX. The account levy did not originate from the state in which the debt was owed. The loan origination was in XXXX  while the account was in XXXX. They proceeded to take {$13000.00} from my parent 's savings account and created a hardship. furthermore, the account levied  did not belong to me it belonged to my elderly parents. They opened a savings account in XXXX  for their retirement and added me to help them manage their account if needed. I do not contribute financially to this account in any way. I am solely on the account to assist my parents with their finances and this can be proven by the history of the account.
Consumer complaint received 2022-08-04
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: Rocket Mortgage, LLC (TX)

I noticed an inquiry on my credit report from XXXX XXXX, upon calling them I was told it was submitted by rocket mortgage. This was on XX/XX/XXXX. I did not see sooner because I had not checked my report until a week ago since I was applying for a lease buyout. I called Rocket mortgage on XX/XX/XXXX and after researching I was told they only keep recorded calls for 6 months. She pulled up the call log and said since it shows I talked to a rep for 13 minutes that was long enough for me to give consent to run my credit. I told her that I know I never gave anyone my consent to run my credit. So I guess since they no longer have the recorded call then I am faulted and basically called a liar. I realize this is way after the fact but this company should not be allowed to pull credit reports without consent. So I was told they could not have the inquiry removed from my credit report because I can not prove I didn't give my consent ... really? I just want this inquiry removed and for them not do this to anyone else. Thank-you
Consumer complaint received 2023-02-06
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2015-07-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DCS Financial, Inc. (OR)

Diversified Creditors Services in XXXX, WA has consistently called me at work and my cell phone. They give the mini miranda when calling my place of employment so now they have shared knowledge of collection of a debt with my employer. I also have never received a validation of this debt, just numerous phone calls. I did attempt to call them and they did n't even verify that it was me on the phone. They asked my name, that was all. When I said that I did n't think they were allowed to call me at work the debt collector disconnected the phone call. Based on them calling my employer, not validated any debt and not verifying who i am when discussing a debt I 'm think of getting legal counsel regarding consumer harm.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IN)

I made a Bill Pay payment on XX/XX/XXXX via my business Chase account as I always do every month without any issues for my car payment. On XX/XX/XXXX, i get an email alert asking me to verify personal information including my DOB, complete name and address. For security purposes, i never verify any of that through any application. I called Chase myself on XX/XX/XXXX and confirmed whatever they needed. I specifically stated that i authorized the bill pay payment of {$400.00} to XXXX XXXX XXXX. They assured me that the funds would get released. Since that date, I have continued to receive the same online message telling me to validate my personal information AFTER i was told everything would be ok. Today, i called Chase again because of the continuous issue of emails. I find out today that the bill pay payment was never released and has been under review since XX/XX/XXXX. I spent 3 hrs on the phone and was transferred to Fraud Dept, Online support, you name it! No one can help because this issue does not belong to any of them as i was told. I was hung up on even after requesting a higher person in charge due to the incompetency of everyone wanting to transfer me to other people that are not able to release my bill pay payment. I have vaildated my information and transactions over and over! I need this to stop happening and have the check released to my lien holder! They are putting me at risk of having my credit affected due to no error of mine. This is unacceptable!
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (WI)

This complaint is in regards to First Merit Bank, which is currently merging with XXXX. 

I 've had an ongoing issue with the bank, which continues to charge excessive overdraft fees and rearranges the withdrawals on my account to incur larger penalties. I 've asked to opt out of the overdraft program, but I was told I could not opt out of the overdraft program when direct debates are made on the account. An example of the questionable tactics First Merit uses can be seen in the latest dispute I had with the bank concerning transactions that took place on XXXX/XXXX/2016. At the time I had {$35.00} in my account, and XXXX transactions occurred that day. The transactions were as follows, {$2.00}, {$4.00}, {$9.00}, and {$50.00}. Regardless of the transaction times, First Merit applied the highest charge first, which immediately overdrafted the account creating a {$35.00} fee. Then they subsequently charged me an additional {$35.00} overdraft fee for each additional transaction that occurred, for a total of {$140.00} in fees on {$67.00} in total transactions. 

While I admit the error that occurred in scheduling the {$50.00} deduction from my account that lead to the overdraft, the fact that First Merit stacks their transactions in a way that advantageously creates the scenario where they are more likely to incur higher fees from customers is troubling. In the last year, due to a serious of unfortunate events that have left me on a tight operating budget, my situation has been further escalated by First Merit who has taken hundreds of dollars out of my account through these practices. While at first they admitted the unfairness of their system and refunded {$70.00} in charges, any subsequent inquires on my behalf have been met with the notion that, 'because I know their system is unfair, any request for recompense on my part is negligible. ' Please look into these unfair practice, as no doubt they are fleecing more of their customers than just me.
Consumer complaint received 2016-10-18
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Choice Recovery, Inc. (OH)

This agency have tried to collect a couple medical bill recently and I advised about this specific bill and they insist that it 's mind and they would do a pay deletion however I keep advising them my lawyer will be involved soon bc I do n't owe them but I keep getting different calls on the same thing but I have n't gotten any letters from them or the original creditor
Consumer complaint received 2015-04-30
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CASHCALL, INC. (VA)

I continue getting calls from different people claiming I still owe cash call {$2500.00}. I paid off that debt to a reputable law office. The scammers keep saying they have papers to serve me. Their number is XXXX, XXXX XXXX.
Consumer complaint received 2020-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (MO)

Company has been repetitively calling 3 and 3 times a day almost every day. They have called 22 times in the month of XX/XX/2020 it's starting to become unbearable and it feels like harassment.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

I removed an excess payment on my XXXX XXXX XXXX XXXX of {$2800.00} via cash advance at my local Credit Union. Later I realized XXXX charged a fee of {$140.00} for me to remove the excess funds to get the balance to XXXX. I feel it is unfair to charge a customer to remove a credit balance.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NE)

I called Chase bank, my creditor and tried to make arrangements to make my monthly payments back affordable and they said had no other options but to close the account and liquidate it on me. 
My monthly payments was hiked from {$35.00} a month to {$89.00} a month and my interest charges went from {$3.00} a month to {$60.00} a month a year later after making regular payments on time. I opened the account XX/XX/XXXX and this change took place of XX/XX/XXXX. 
That is really high. I can see if I wasn't complying with the payments every month. They just grew a arm so large on me that I didn't knew exist. Loyalty and commitment isn't considered, holding a balance for certain periods of time is a disaster waiting with them. I wasn't expecting it. Especially since I make on time payments every month with no hassle. They tell me that the interest rates expired, but they want give it to me in writing. They fail to provide the interest rate policy information in writing every time I ask for it. The information is only shared verbally. For further information please feel free to contact me. 
Thanks XXXX XXXX