davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2020-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

This is the third time I am re opening the Complaint. The company keeps responding and closing the ticket. The response is not per my expectation. I want the company to look for the evidence where the customer service rep had taken notes about forgiving the late fee.

My Home Mortgage was initially with MB financial Bank. Last year in XXXX MB Financial was acquired by Fifth Third Bank. Back in XXXX XXXX, due to a payroll system upgrade in my company i got paid on the last day of the month. Since i was getting paid on the last day of the month, i called MB financial to explain my situation and request that since this not a permanent situation they should not charge me late fee since i will be making payments on the last day or the XXXX of each month. The customer service representative at MB financial agreed to my request and mentioned that they have made a note in the system with my request and the reason for the request. Now when i get my statements it shows that i have past due late fee balance of {$1000.00} which is not correct. I called Fifth Third a couple of times in the past for this issue. The customer service representative always said that they dont see anything at their end in the system. I was under the impression that the matter has been taken care of and i would start receiving updated statements with no balance due. I am still receiving the statements that show i have {$1000.00} past due amount. On XX/XX/XXXX, i spoke to the supervisor at Fifth Third Bank and upon further investigation she found the note that explained my situation back in XXXX/XXXX but she mentioned she was not able to find the note that said they would waive my late fee. The note she had in the system was incomplete. She also mentioned that {$500.00} late fee was carried over by MB financial to Fifth Third Bank. I am having issues with Fifth Third Bank customer service. Just last month they had but my mortgage in forbearance plan whereas i had called to request them not to put my mortgage in forbearance plan. The customer service is not making notes correctly and for my late fee up until Friday XX/XX/XXXX they kept saying they dont see any late fee in the system but on escalating the issue to the supervisor she found the late fee and the incomplete note. In this pandemic, i am trying to save on my money and paying {$1000.00} as late fee for no fault of mine is unfair. The customer service representative have failed to provide the service i have requested.
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 accounts 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 Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 XXXX Inquiry Date : XX/XX/2021 XXXXXXXX XXXX Inquiry Date : XX/XX/2021
Consumer complaint received 2021-10-07
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX PREMIER Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Account Name : USAA SAVINGS BANK Account Number : XXXX Reference : Remove Late Payment XX/XX/2020 1. Credit Bureaus are reporting inaccurate information to my Consumer Report 2. I have disputed multi times and account is not updated 3. I have submitted certified documents to show inaccurate information 4. CRA are not complying with FCRA law 15 USC 5. I have contacted original creditor. 
6. They have stated that corrected information was submitted to XXXX, a third party Credit Reporting Agency that reports to XXXX, XXXX, and XXXX. 

7. XXXX is one of the CRA who is reporting inaccurate, incomplete, unverified, information to my consumer report. 
8. The FCRA Law states that no Transactions or Experiences shall be reported on a consumer report [ FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ] This has caused me severe stress, defamation, and my ability to obtain credit.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

i did not give merchant permission to use my card in the month of XXXX, i called and disputed the unauthorized charges from XXXX, and bofa was to give me a provisional credit and refuse to refund my checking account I Contacted bofa and reported by phone of these fraudulent charges by XXXX. i Ask them to reverse the transaction and give me my money back. and they refused. 

please see attachment, i only authorize XXXX  to use my checking account ending in XXXX not XXXX
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (NC)

I was reviewing my information in XXXX XXXX as I now pay them to watch my identity as a result of the first time this exact thing happened to me. I received a notification through XXXX XXXX that Major Derogatory type hit on my credit. Come to find out it was from a debt owed to XXXX, the cell phone company in the amount of {$3000.00} and change. First off, I have never and will never use XXXX. I had long been a XXXX customer and now use XXXX. I was instantly concerned and called XXXX   XXXX as well as filed a claim with XXXX the company in charge of hurting my credit over this. XXXX is investigating and XXXX XXXXXXXX says the same. XXXX XXXXXXXX informed me, when I spoke to them over the phone last week, that since no payment was ever made on the account it was automatically closed and sent to collections. So the lady helping me really did not even have the access needed to see behind the scenes. She let me know a member of their fraud team will be in touch, which I have yet to hear anything. Now comes my major issue. This EXACT thing happened to me, with XXXX XXXXXXXX mind you, two years ago nearly to the date. I received a letter in the mail dated XX/XX/XXXX from XXXX XXXX XXXX and go figure, for {$3000.00}. What a coincidence right!? I think not. If the account had been closed from lack of payment, then why would XXXX XXXXXXXX ever authorized an account to be opened after my information and the fraudulent activity that surrounded my " account '' be in their system? Why would they let this happen yet again?? Simply to boost their numbers and take advantage of me and most likely others. This is utterly ridiculous that I am the one having to deal with all this and XXXX   XXXX just gets to go on about their day. I would not be as upset if it was the one time, but twice now. What prevents a third and a fourth because clearly XXXX XXXXXXXX will allow anyone anywhere to open an account no matter the reason or who they even claim to be. I am also upset as XXXX XXXXXXXX, having had my issue in their system the first time, clearly can not put two and two together to even call or send me a letter questioning my desire to open the account in the first place.
Consumer complaint received 2020-08-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (MI)

I hold three accounts with Synchrony Bank : Paypal Credit CareCredit Amazon.com Store Card All three accounts are in default/collections. While the phone calls to me are within the bounds of the law under the FDCPA and the TCPA, they have begun calling family members multiple times a day utilizing robocallers to ask for me. They are improperly contacting and sharing information with my sister-in-law. They are also potentially using spoofed phone numbers in order to not be trackable.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been a Capital One cardholder for several years with the Quicksilver Mastercard ending in XXXX. The record will show that I have a spotless payment history, no cardholder exceptions ever made, and most often my monthly statement balance paid in full each month.. Contacted XXXX in customer service on XX/XX/22 in regards to a finance charge of {$23.00} assessed on XX/XX/22, I explained that I paid the statement balance in full by the due date. Regardless, I received a long scripted convoluted explanation as to why I was charged interest. In fact, I was told no exception could be made to remove the small amount mentioned. Therefore, as I instructed, the account should be closed.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (LA)

I am a federally protected consumer and BestBuy has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Consumer complaint received 2022-09-26
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: EQUIFAX, INC. (CA)

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts ; XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (IL)

On XXXX I submitted letters to Early Warning because they have me listed for checking account fraud I requested XXXX  it has been well over 60 days with no response I feel like I'm being taken advantage of this is a violation of the FCRA act by failing to provide accurate disclosures to a consumer when they have an active fraud alerts on their accounts I am repeatedly denied bank accounts because I have fraud notations on my Early Warning report I ordered XXXX and there is no mention of fraud Early Warning is failing to provide me the same information that they are providing the banks they're hiding the fraud designation in the XXXX I've spoken with someone at XXXX XXXX XXXX and they informed me that no money was taken I'm being misled by these disclosers and I demand that these checking account fraud notation be removed or I will le litigation due to the stress they caused me my information was also impacted by XXXX data breach and may have gotten into the wrong hands
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MN)

I realize that I have not went to Barclays to resolve this issue. But there is a reason for not contacting them. It is a waste of time. I have had to contact Barclays in the past on a few issue and every time I simply get a copy and paste canned answer that doesn't even answer the question. I try to allow them to give better answers and to understand the issue but it doesn't help. It's a complete waste of time to use the secure message center. For that reason, and for my protection, it seems that using the CFPB get better results. 
I purchased XXXX XXXX Season tickets this year. I made payments and everything against my card. That part is all good. The XXXX XXXX gave me the option to opt out of my season tickets because of the virus. I exercised this option. The XXXX XXXX recently refunded my account by the same means that I made the payment ( i.e. Barclays ). Because I had been making payments, I now have a credit balance on my account. The refund was for the transactions made on XX/XX/2020 and XX/XX/2020. 

I simply want the money either deposited into the account that I use to make payments or a refund check sent to me. Now, I understand that I already redeemed the rewards that were associated with these transactions. For that reason I have a negitive rewards balance of XXXX ( or {$140.00} ). My account has a credit balance of XXXX. Barclays can reduce the money owed to me by the rewards amount of {$140.00} and refund me ( either deposit into my account or a refund check ) for the amount of {$2900.00} ( {$3000.00} - {$140.00} = {$2900.00} ). 

We are in times where money is critical to individuals to people because of the virus. I do not want my money sitting as a balance on my credit card when it can be put to critical uses during these trying times. 

This should be a simple issue to address and I've already laid out the solution.I wish that I didn't have to you this way to resolve issues with Barclays and that secure message center with the company actually worked how it should. But due to past interactions with the customer service, this is the best way to proceed for both parties. 

Thanks for understanding. 

Regards, XXXX XXXX
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, the reporting of the following inquiries on my credit report has violated my rights : XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AZ)

I had a lease with Hyundai Motor Finance. Lease payoff was completed in early XXXX. As of today XXXX the amount is still showing as uncollected on my credit report and adversely effecting my credit rating. Have tried reaching out to Hyundai and am being told I have to follow up with a letter, no email, no phone number to dispute the charge. They acknowledge they have been paid and have not updated the report. So now I have to take the time to write the letter, mail it, and wait several more weeks for this to be completed while my credit report is lower because of this.
Consumer complaint received 2020-08-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (CT)

This company is operating in predatory practices and its operation is more analogous to the practices of a loan shark! Unfortunately, as a recent XXXX student, I was put in a predicament that forced me to either apply for this particular loanor be homelessand I chose the former. Within this timeframe that I applied for the loan, I was working and anticipated to pay back the loan before the loan terms indicated. However, a global pandemic called Covid-19 happened to the world. Shortly after, I was laid off from work and was unable to get a job for months. As such, it made it extremely difficult for me to pay my bills, rent, and expensesincluding to Personify Financial. 

When I gain employment, I made a total payment of {$3000.00} for a loan in the amount of {$4700.00}, and currently, Personify has only applied {$360.00} towards my principal and {$2600.00} towards the interest of this loan. The current interest rate is 93.50 %, at this rate ; by the time this load is paid off, Personify would profit close to {$15000.00} or more on a {$4700.00} loan. Of this {$4700.00}, I was only issued {$4500.00} because I was also charged another fee before the money was issued. Even with all my efforts to pay this ridiculous loan, my outstanding balance remains at {$5200.00}. This amount includes the {$3000.00} that I have paid to this company.

Personify Financial is nothing short of a loan shark. This is a predatory loan. It is unfair and unethical. This company needs to be under investigation for its immoral practices. To add insult to injury, this company preys on the most vulnerable population, those who are in desperate need of survival. Living in a country where you must decide whether to buy groceries or pay your bills. The XXXX XXXX XXXX XXXX act states the lenders must engage in fair lending practices. I feel that this company is not engaging in fair business practices and they are taking advantage of consumers. Further, XXXX XXXX XXXX should be investigated.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2020 I checked in to the XXXX XXXX XXXX in XXXX XXXX California. around XXXX. I made the reservation about a week in advance using my Capital One Credit Card ending in XXXX. About an hour later my family and I left the hotel to get something to eat on the beach. We left the TV on, turned on the Air Conditioning and locked the patio door. We returned about XXXX minutes later and noticed the TV and XXXX were both turned off and we were saying that we were sure that we left them on. So we turn them both on again and leave room again. We return an hour later and they're both turned off again and patio door is cracked open this time. I call down to the office and ask is Tv and Ac on a timer because I left them on twice only to return to my room and they are off and the sliding door was opened by someone. He told me not to worry about it as long as everything worked I should be happy. We immediately packed our bags gathered our kids and went down to desk to return key and left out of fear for our safety and fear of catching CORONA VRUS.  he no explanation or options. I called Capital one around XXXX the same day 3 hours after I checked in and voiced my concerns and to open a dispute because I was only there XXXX hours and feared for the safety of my family and they told me they understood and would take care of it. A month later capital one sends me an email agreeing with the Hotel that I should pay XXXX for the 2 day stay. I thinks that it is wrong for Capital One would've rather me put my family in harms way especially at a time like this amid the Pandemic and so much XXXX
Consumer complaint received 2020-08-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

At the range me of my lease with Hyundai Motor Finance, I never received a bill for the end-of-lease payment. I called the company, and was told they would mail it again. 
No bill I called again and they said it would be emailed. I finally got an email and mail, but it was just a notice of privacy. 
Finally last month I just paid the amount, without knowing what it was for - because they reported me as delinquent and it affected my credit score. 
Still no bill, and my credit score went down over 100 points.