davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
Product: Credit 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. (PA)

I called on XX/XX/XXXX to pay off 60 month purchase plan and was told I needed {$250.00} to do so. I asked that if I paid this would it pay off the 60 month purchase plan and in XXXX weeks on my normal payment date the adjustment would be made and my normal monthly payment of {$110.00} for my 84 month purchase plan would be the amount coming out with autopay. I was assured this was correct and proceeded to pay the {$250.00}. Now XX/XX/XXXX came and the payment of {$230.00} came out of my account and when I called to see why I was told that the woman who took the call never fixed the autopay to reflect that change. I asked that they refund the difference back to me as that was now an overpayment by their mistake that I did not authorize.i was informed that they would not do that and they would file a dispute and I would get the money back within 15 days.That alone should be illegal use of funds that I didnt even authorize to be taken.so now almost XXXX weeks later I got a refund of {$230.00} which was only supposed to be {$120.00} that was over charged. I was also never told what was going on with this. They then took the balance and put it back on the 60 month plan that I had paid off on XX/XX/XXXX and charged me a late fee for the {$110.00} they were supposed to keep.now I didnt receive my title for my property that I paid off on the XXXX and they are going to charge me another month interest. I then had a message on my account that my credit limit was reduced and my account was going to be closed as of XXXX XXXX have called twice to have this fixed and have been met with nothing but complete ignorance and told that it will not be fixed and told by the management that I asked to speak with that there is nothing they will do to fix it. Then while asking for his information to forward to this agency or a lawyer I was told his name is XXXX and he wouldnt give a last name or initials and when I asked for an extension or some detail he the hung up on me. This is absolutely the most insane customer service I have ever come across. I simply tried to pay off a purchase and continue with my other plan as usual which has never had a late payment or any other issues. I do not understand how a company like this can just take unauthorized funds and do what they want with after clearly stating something different. Very fraudulent and then to vindictively reduce my credit limit to intentionally affect my credit score is absolutely unacceptable and hopefully will be handled in the correct manner. I feel as I have been taken advantage of and then discriminated against with ill intent to my credit for a mistake made by citi bank.check the transcripts for the calls on XX/XX/XXXX and XX/XX/XXXX And it will clearly show that my account has been fraudulently handled.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Navient Solutions, LLC. (SC)

I tried to contact Navient by mail (XX/XX/2019) to verify the information they are reporting to the Credit Bureau several times. They finally sent me a copy of a Promissory Note on (XX/XX/2019). The above date is not the first time I have asked them to verify they information, no response. The information is past 7 years old and they do not hold the account anymore. The loans are consolidated with XXXX XXXX. Navient has reported than I was late on some accounts and not late on others. Basically ALL the information they reporting is incorrect.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

This debt collector engaged in abusive, deceptive, and unfair practices FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am writing to file a formal complaint against XXXX, Experian, and XXXX for what I believe to be a violation of the consumer protection laws outlined in the United States Code ( USC ). I have outlined the details of my complaint below, citing specific sections of the USC. 
I have attempted multiple disputes by certified mail as well as online to Experian, XXXX, and XXXX. I requested them to verify dates, balances, and contracts from the furnishing companies with my signature. I've attempted correspondence with XXXX, Experian, and XXXX starting from XXXX of this year until the present with no satisfactory results. 
I recently discovered that XXXX, Experian, and XXXX have improperly used my credit report information in violation of the Fair Credit Reporting Act ( FCRA ), as outlined in USC Title 15, Chapter 41. My reports show incorrect variations of my name, incorrect addresses, as well as inaccurate and inconsistent balances and dates. 
These actions by XXXX, Experian, and XXXX infringe upon my rights as a consumer, as protected by USC Title 15, Chapter 41, Subchapter III. 
I want to bring to your attention that XXXX, Experian, and XXXX did not obtain proper authorization for the use of my credit report information, which is a direct violation of USC Title 15, Chapter 41, Section 1681b. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, Experian, and XXXX in accordance with the USC. 
I have attached a copy of the XXXX letter that was sent to XXXX, Experian, and XXXX as well as a copy of my reports, other supporting documentation, and a copy of my State ID. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act diligently to ensure that my consumer rights are protected.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (WA)

Called the number provide informing them of the charge on the card. They canceled then card and was told they were going to send the replacement card with the missing funds. The card never arrived. Called again ( XXXX ) requesting the same thing and they were confused on what i was asking for. Put on hold many times returning back on telling me that it was a charge and to get my funds back i had to send in a letter to an address i did not understand. The amount on the card was XXXX and a charge to the card happened at a gas station in the XXXX XXXX, in the amount of XXXX. I live in west coast.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of the information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc (AR)

on XX/XX/2023 I applied for a loan to buy a Harley XXXX. the XXXX cost XXXX and i only had XXXX dollars down. I never dreamed I would be approved for the loan but i was even though i am XXXX  years and have very limited retirement income. I was estatic that a dream of mine was becoming a reality. All the add on and taxes brought the cost up to XXXX. 15 % interest for 8 years XXXXXXXX XXXX XXXX monthly payments. 
It did not sink in that i was over my head in debt until all my savings is gone and i am struggling just to live and survive. I should have never been approved for the loan and i still dont know how i was with my limited income. 
I have tried to talk to company about buying the XXXX back but because i owe over XXXX XXXX and the XXXX is only worth XXXXXXXX XXXX they cant buy it back and i can get it refinanced to lower the payments either for the same reason. And i signed the contract. being too excited for the opportunity to own my trike for the repercussions to sink in. Now I am in the position where I cant pay the payments as I have already used all my savings. I don't want a negative credit repossession but I don't see I have any other choice. I have talked to our state representative XXXX XXXX and he thought you might have some assistance. I know I got myself in this mess but I cant help wondering at this point why the lender approved me when my income was so limited. I was debt free up until I bought my trike. I am not trying to assign blame with anyone. I just need a resolution. if there is any wisdom to glean from this experience if you know you cant afford to pay for something dont buy it even if salesman makes it look good.
Consumer complaint received 2023-11-28
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Maximus Federal Services, Inc. (TN)

Everything is paid off and no debt on Credit file except the last bit of my student loan that I was paying on. My score was in the XXXX. My account was closed out and transferred to AidVantage as they now service all student loans. They never reported the loan or payments which caused me to now have no XXXX XXXX ( due to nothing to score ) I've waited months for them to report and even waited on hold for days to speak to someone. He basically told me they'll get around to it and told me to report it myself ( which there are no means to do so ). They are still refusing to report my account in good standing or my well ahead of time payments. I am unable to finance a vehicle or obtain ANY credit products, I am now a ghost.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The incorrect name and workplace is being reported on my report for Experian. They claim to have fixed it XXXX XXXX   but my name and workplace is incorrect. They have 2 unknown names for me that I have never went by
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (TX)

In XXXX of XXXX a salesman for XXXX XXXX named XXXX knocked on our front door selling Solar Panels Program. We listen to his offer and accepted it to get Solar Panels installed, grid attachment equipment, Solar Panels, and the Loan Financing program to pay for it all. The loan financing involved a {$49000.00} loan paid for over multiple years. The federal tax rebate was additional incentives described to us to further sell the program. We were told or offered that if we gave them a large portion of our rebate the interest rate of the loan will not amortize to a higher interest rate within an 18 month period. We accepted that offer and signed the loan papers. The loan amount was set at {$140.00} per month till it was fulfilled. If it amortized it would increase to $ XXXX per month till the loan matures. The rebate example agreed in question was 26 %, the IRS increased it to 30 %! The catch was no matter how much you made the rebate was not all paid the first year of the loan. 26 % was roughly {$12000.00} to {$14000.00} to be paid directly to the loan company within 18 months of the loan start. What we discovered was we only got a portion of the rebate because we didnt have more that was setback for refund by the government. The loan company knew this knowing that the loan would amortize to a higher rate because they knew consumers never got ALL of their rebate the first year anyway knowing that if we knew this we would of never signed that agreed to get Solar Panels know it was too much for us to pay like that!! Salesman : XXXX XXXX XXXX : XXXX XXXX XXXX Amount : $ XXXX Rebate at 30 % : {$14000.00} Year XXXX Tax Refund : {$4500.00} XX/XX/XXXX loan amortized to $ XXXX monthly. 
Finance Company : Goodleap They presented a fictitious and illegal instrument for us to sign knowing it was impossible to fulfill by IRS rule!!
Consumer complaint received 2019-08-21
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: Experian Information Solutions Inc. (MA)

I have sent Experian two dispute letters and this is my third complaint against this company about an inquiry that is on my credit report, the inquiry in question is XXXX XXXX XXXX XXXX XXXX and the inquiry date is XX/XX/2018. I asked experian to provide me with the original documentation bearing my signature and they keep refusing by telling me that they don’t have to. I contacted the data furnisher that is reporting this inquiry on my credit report and I asked them a few questions, the first question was, how did this inquiry ended up on my credit report and the manager at this business told me that I went there and they ran my credit, the next question I asked them was, is my signature anywhere in any documentation or in any type of application because I know that if I applied in person an application bearing my signature must still be kept in their files and I was told that they do not have my signature anywhere, my last question to them was if they had received any request from Experian asking them to verify the inquiry in question and I was told no, that they have never received anything from Experian. Experian keeps telling me that the data furnisher verified this information twice and that is completely false, this is my last attempt to get this inquiry removed from my credit report, if Experian wants to keep breaking the law and they want to keep ignoring what the FCRA says about permisible purpose being need it in order to do a hard pull on my credit then I will not hesitate to file suit against them in small claims court for defamation of character and I will be seeking $XXXX dollars per every violation that Experian is doing on my credit report. EXPERIAN’s own website says that creditors need permisible purpose from me as the consumer in order to do a hard pull on my credit and that is what I want experian to provide me with, if they can’t provide me with this information then I want this inquiry deleted immediately. Credit reporting agencies and creditors must obey and go by the FCRA rules and Experian is doing the contrary by lying to me and telling me that this inquiry has been verified. I want to see the application where I signed and gave authorization to this business to do a hard pull on my credit, if an application is not available then I want the inquiry deleted immediately.
Consumer complaint received 2019-08-21
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. (TX)

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE delete DEPT OF ED/XXXX, XXXX/DEPT OF EDUCATION,
Consumer complaint received 2019-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed the student loan account with Transunion for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete this ASAP, this is very disappointing and is affecting my credibility for loan applications. DEPTEDXXXX XXXX; DEPTEDXXXX   XXXX DEPTEDXXXX XXXX; DEPTEDXXXX   XXXX; DEPTEDXXXX XXXX;
Consumer complaint received 2019-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC (MI)

I attended XXXX XXXX from XXXX. I paid my loan balance off through Peaks private student loans shortly after the school closed in XXXX. After hearing the settlement that was reached by the CFPB and XXXX/Peaks it is my understanding that the remaining balances owed to these private lenders is now discharged. I have reached out to Peaks numerous times to have the amount roughly ($10,000) reimbursed to me but they will disagree. It is only fair that students that paid their debt off in full receive the same treatment that other students received by getting their loans discharged.
Consumer complaint received 2023-11-20
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 filed a dispute with XXXX in XXXX and they didn't update the amount owed, nor did they cease attempting to collect on the amount that was in dispute. I called, emailed and sent support tickets requesting that the amount be updated as well as clarity on what exactly was owed so I could pay it, however no one responded to any of my requests.

After numerous attempts to contact the creditor, I filed a dispute with the credit bureaus because the amount showing that I owed was wrong and the company reported me late 30 and 60 days. I reached out about the error in reporting and for the correction to be made to the amount owed. The company finally corrected the amount owed however they did not remove the late reporting to my credit report as promised. 

Attached is communication with XXXX XXXX about the information. They stated that they would correct the backdated history, however the 30 day late is still on my report. 

Thank you.
Consumer complaint received 2019-08-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (ID)

XXXX XXXX XXXX left a voice mail on my phone saying if I didn’t call back and make myself available at certain times so that they could come serve me, they would come to my work and serve me. I called them back and they told me if I didn’t pay them $XXXX right that second for an old Wells Fargo credit card, I would be sued, taken to court, would have to pay more than the $XXXX plus court costs, etc. Basically they told me they were going to destroy my reputation and destroy my image and never leave me alone. I was crying and scared and freaked out. Now, I feel like I’ve been scammed and ripped off for $XXXX
Consumer complaint received 2023-11-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

This is my second time I file complain with cfpb because in first complain I didn't get my answer, Amex offer me welcome bonus now they tell me I'm not eligible, I want to know exact reason with proof of that and even they told me when I applied they told me I'm not eligible so even if you have proof of I signed it that open credit card without welcome bonus please share with me, I don't want my welcome offer I only want to know what's exact reason of that with proof, because in last complain mentioned some of reason from terms, I know all of them but I want to know which one is the reason I'm not eligible and what's proof of that My first complain number CFPB Ref No : XXXX Ref : XXXX
Consumer complaint received 2023-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I got a new insurance company and they billed XXXX for my homeowners insurance on XXXX XX/XX/2023. XXXX has yet to update their records to reflect my new insurance company. Im not sure what else to do to get them to update their records, and they are about to pay my old insurance company.