davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (GA)

In XXXX. I joined XXXX others for a trip to XXXX, XXXX. We had prearranged transportation but for the return trip to the airport the transfer did not show up so we asked the doorman at XXXX XXXX XXXX to call a cab. He asked would it be cash or credit. WE said credit. 
Once we got in the taxi, I gave the driver my XXXXXXXX XXXX He swiped it several times and said the card reader was not working. I gave him my Citi card and he said the same thing. So, we gave him cash, which was between {$25.00} and {$45.00}. Rushing to get to the airport I did not get a receipt for the cash. While at the airport I got a call from XXXX that they noticed suspicious activity on the card. I explained what happened they was told they would back me when I filed a dispute. I never heard from Citi. 
When I returned home, some days later i discovered that the drive had indeed charged {$450.00} to XXXX and more than {$500.00} to Citi! I disputed both. I have not any acceptable resolution. XXXX accepted an XXXX for my signature XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) so I would never use an XXXX Citi never produced any proof but unbelievably is taking the side of the taxi co. A luxury XXXX XXXX might be {$96.00} or so dollars to how can I get charged on two different cards for more than {$1000.00} for a ride to the airport? That's is fraudulent use of my card and theft by deception. I had always believed and was told that in such cases a credit card company would back you. they don't. A Citi rep even told me it was on me because " you did give him the card and you did get a ride to the airport. '' which makes no sense and is insulting at best. ( listen to the calls, they're recorded. ) I have explained what happened over and over ( you never get the same person twice. ) In both cases I was told it would be turned over to fraud and it never is. When I call the check I find out that the person never did what they said they were going to do in elevating this to fraud and deception. Citi has been especially bad. They never called to even report suspicious activity. nothing stood out for a {$500.00} plus taxi ride?? Seriously? I have even suggested they credit companies talk to each other and see where it clearly does not make sense. Citi said they don't do that and one rep even said nothing could be done basically because it was in XXXX, but Cit is a global firm, so that doesn't make sense. I have a Citi Costco Executive Card.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Atlanticus Services Corporation (NJ)

Fortiva account i am not aware of this as well as the credit one I have a complaint filed on this credit compang for not securing my info.i had my partner talk to them and no verification process nor asking consent from me but all was told to my partner.and that is the reason why i called to them is someone opened an accoint under my mame so i am not surprised that theyet some one used my name. 
All the i quiry is note.i was in XXXX for 10 days still recovering till now i was sick from XXXX and just revoreing now
Consumer complaint received 2022-08-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MS)

I was pre approved by Navy Federal for a XXXX conventional mortgage with the required information. Long story short, after final approval and set closing date, two days before closing i am told " we can not move forward with the loan '' ...... 
When asked why i was informed a letter would be mailed out to explain. 
I complain directly to the loan officer, she apologized and immediately refunded the appraisal fee. I believe they should be held accountable for charges that occurred to close on the home I paid to have inspected as they required in the loan to purchase agreement. 
This has made my first time homebuying experience so traumatic, I am seeking the confidence to shop for a home for the first time. I was not expecting a lender to just pull the rug from under myself and two kids. 
I have to wonder if this had anything to with my complaint on the initial originator of this loan. I am just sad and frustrated, they were aware of my lease ending and the closing date being critical. I am so highly dissappointed
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (TN)

In accordance with The Fair Credit Reporting Act, US Bankruptcy Court Reference # XXXX has violated my rights. 15 US C 1681 Section 602 A states I have a right to privacy. 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (NJ)

FRONTLI.FRONTLINE ALREADY HEARD THE RECORDING from XXXX from XXXX XX/XX/ AND AGREED IT SHOULD HAVE BEEN DELETED. Frontline ACKNOWLEDGED THAT THE DEBT SHOULD HAVE BEEN REMOVED. XXXX wont honor what they said they would do which is the reason why I have had to record conversations with XXXX because without it XXXX just does what it wants. I TRANSFERRED SERVICE from XXXX to XXXX IN XX/XX/ but I WAS CONTINUED TO BE BILLED FAR PAST MY CANCELLATION DATE DESPITE BEING PROMISED MY BILL WOULD BE TOTALLY CLEARED AND THE PHONE CALL WAS RECORDED. THEY STOPPED BILLING IN XXXX  which was totally inaccurate .I EVEN TRADED IN MY PHONE TO XXXX BACK IN XXXX XXXX I HAVE A TRANSFER PIN FROM XXXX WHICH ACKNOWLEDGES THAT XXXX KNEW THE ACCOUNT WAS CANCELED AND IN GOOD STANDING IN ORDER FOR THEM TO DO SO. FRONTLINE ACKNOWLEDGED THE PHONE CALL AND I ALSO SUBMITTED THE RECORDING TO FRONTLINE VIA EMAIL SO IT COULD BE DONE. FURTHER MY BILL WITH XXXX HAS ALWAYS BEEN XXXX TO XXXX DOLLARS AND IT WAS PAID SO IT IS VERY INACCURATE for them to bill me XXXX. I HAD TO RECORD MY CALLS WITH XXXX BECAUSE XXXX KEPT CHANGING MY ACCOUNT TO FORM A NEW ACCOUNT WHEN IT WAS UNAUTHORIZED. Also they sent the bill to the old address and hadnt been able to send it to correct address since the account had been closed.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MA)

Experian has no mechanism to reset your username and password that functions. Let me say from the onset, that I have my pin, that was required to put the freeze on. 
Now I can not get to the stage to UNFREEZE, because, even after entering my correct SS # and date of birth, their computer says it is wrong. 
All 3 costumer service numbers I have tried are a truly frustrating nightmare of hellish circles leading nowhere. I would like to reiterate that I have the pin number, enter it, and then I am sent to something about a fraud alert and not about unfreezing. In addition, it is clearly not possible to speak with a person. If you so much as ask the computer to speak with someone, it hangs up on you, even when you are in some kind of dead end technical support. I can not get an equity line of credit, and interest rates are climbing. 
I had a similar situation with XXXX, where a reset of username and password was required, and the situation was resolved in a 5 minute phone call. Experian is apparently a multibillion  dollar company with hundreds of thousands of employees, non of whom can help.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

money was taken from with out authurzation and i called the bank of america about the dispute about money being taken they say that they have to filled a claim on my behalf i contact them number of time trying to get my to get my money back in my account i told them i have bills to pay and told them i was a costumer for 10 years never complain about money being missing {$810.00} dollars of XX/XX/23
Consumer complaint received 2022-03-16
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USA Service Finance LLC (NC)

USA Service Finance LLC has repeatedly violated FCRA regulations by reporting in accurate information on my credit file. I began requesting this debt be verified beginning XX/XX/2021. USA verified the inaccurate file and then continued to report it with correcting the file. ( See attached file from XXXX XXXX  ) This is after several filed disputes with different agencies. And according to XXXX and XXXX, USA SERVICE FINANCE only updated the account after I filed a XXXX complaint in XXXX. AND ONCE AGAIN VERIFIED the Inaccurate data, choosing the highest balance of the two previously reported balances. ( See Attached ) Open date, payment amount, and last payment date are all different & incorrect. ALSO, data furnished does not match the verification letter report! Instead of deleting the file per my request USA SERVICE FINANCE continues to report causing actual damages to my credit file. I will be submitting a drafted complaint with the current Attorney General, XXXX XXXX, if this account is not removed immediately.
Consumer complaint received 2024-10-09
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. (CA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (FL)

I was required by a new employer XXXX XXXX resorts to provide a background check. The background check came back negatively based on incorrect information I have provided documentation to Correspond with such facts. Due to the companies error in presenting my background I am currently under denial for employment based on this information. I was given the information of the status of the background check on XX/XX/2022 I am currently disputing this information and ask that the proper paperwork to be looked into.
Consumer complaint received 2019-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

Late charges were applied inappropriately and will not be reversed. They have just sold the loan and will not refund late charges despite accepting responsibility for error. 
-- -- -- -- -- -- -- -- -- - EMAIL SENT XXXX Ms. XXXX, Thank you for taking my call. As you stated, you do not accept partial payments, and any payments that are made will be held until a complete payment is received. 

Nevertheless, in making bi-weekly payments, you applied my payment to principal on two occasions thereby putting my account into a late status.

There were two charges of XXXX that were applied on XX/XX/XXXX and XX/XX/XXXX 2019. They were paid out of my account monies on XX/XX/XXXX and XX/XX/XXXX contrary to Loancare policy. 

Please accept this as my demand for a refund in the amount of XXXX. Please send a check to the address of record. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Account XXXX
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I'm filing a complaint against Equifax for taking 30 points off my credit score while other credit bureau, XXXX, and XXXX XXXX don't drop my score that high with the same reporting that Equifax receive. Please investigate Equifax immediately because I believe they're attempting for me to pay them for services that I don't need. I need them to stop that massive point drop on consumers credit report. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (AZ)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (MN)

I was incarcerated at the Minnesota Department of XXXX from XX/XX/XXXX to XX/XX/XXXX. I was recently released from prison on XX/XX/XXXX. I was incarcerated for 21 years. Theres recent derogatory items, delinquencies, credit inquiries, bank accounts, addresses, cell phone numbers and email accounts listed on my Sage Stream, LLC, XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX  thats fraudulent derogatory items, delinquencies, inquiries, bank accounts, addresses, cell phone numbers and email accounts from the result of identity theft. I was in prison for 21 years and was just released on XX/XX/XXXX, so all of the information on my consumer and credit reports is fraudulent and is the result of identity theft. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-08-08
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX Account # XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank Account # XXXXXXXX XXXX Account # XXXX XXXX account # XXXX, has violated my rights. 

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 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I applied a payment of {$1500.00} in good faith on XX/XX/XXXX towards my PenFed credit card because of a 0 % interest charge set to expire on XX/XX/XXXX of {$1400.00} Pen Fed took it upon themselves and applied {$450.00} to that amount that I wanted to pay in full ( because that's how payments usually work to my knowledge oldest balance paid first ) and the other {$1000.00} to a more recent balance that also had 0 % promo they offered me. SO instead of being free and clear of the amount that was subject to an 18 % interest rate They applied {$450.00} to the {$1400.00} and say I STILL owe {$960.00} that now they are charging 18 % interest on that amount. I have found this out on XX/XX/XXXX I called and they said I had to apply one payment wait a day and apply a separate payment for it to pay the oldest balance first. WHY have I never read or seen such difficult processes to pay off balances owed. On top of that... I've been out of work the last 9 months and they didn't care when I told them that I borrowed that initial payment money from someone who I now have to figure out how I'm going pay back on top of how deceitful PENFED had been because now they are charging me Money on an amount that should have been paid in full. I spoke to a manager who just said it is what it is. I feel lied to and wronged as a consumer. This is very deceitful and now I'm afraid to make payments because they do what they want with the amount. I usually read the Terms and Conditions and don't recall this put into wording that consumers can understand. They are making money off of this by charging me interest that should never been billed to me ... on top of that I'm still waiting for an updated statement to see how/where XXXX payment was applied...
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MD)

After obtaining a Wells Fargo loan on a used XXXX  from XXXX XXXX, there were several issues from the start including thousands dollars of tax charged that even after multiple attempts to remedy, as my home state, New Hampshire does not have sales tax alerted me to the fact that they had refunded the amount from the loan to the dealership who then blamed it on Wells Fargo and years went by without remedy of loan amount adjustments or a refund from the dealer. 

After learning of my scheduled payments not being received due to a security breech from my bank which had always made auto payments as scheduled, I was made aware that there was theft in my personal account and all proper reports and paperwork were completed. I then contacted Wells Fargo to make payments and inquire about excessive and unexplained charges and fees. Despite my attempts to remedy any issues, the Wells Fargo representative said they refuse to allow me to make payments and my car loan would either need to be paid in full immediately or it would be repossessed. I pleaded for clarification and to speak with someone else to which I was dismissed and rudely had my call ended. I was well into my loan and my car had little to no mileage and actually was valued well beyond my overdue payments or even the loan balance. After repeated attempts to remedy, they sent someone out to repossess my car with all of my belongings as well as that of my childrens sports equipment and expensive camera equipment that was loaded up for my next job. Without any information or ability to reclaim thousands of dollars of my personal items, illegal charges, and deceptive practices, I was informed that I would be receiving some financial remedy for a class action suit. I received nothing and despite my ability to remedy or pleas for consideration, I too was a victim of their deceitful practices. I will not sit idly while big corporations to capitalize on their power to exploit their customers and would like clarification and an update on my settlement.