davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-05
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. (CA)

On XX/XX/XXXX I obtained a copy of my TransUnion report and found an item that was not mine. A debt was being reported as : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , NV XXXX ( this is cut and pasted from the XX/XX/XXXX TransUnion Report ) I  wrote to this collection agency several times asking for verification of the debt and several times the letter was returned as an incorrect address. The Post Office ultimately informed me the address did not even exist when I tried to send a certified letter. This process cost me several months of bad information being reported. 

I both phoned and wrote a letter to TransUnion informing the company that it was required by law to provide correct contact information in its reports. TU continued to report the debt and I was never able to contact the creditor. This entry has now remained in my report for two and one half years. 

On XX/XX/XXXX I again obtained a copy of my TransUnion credit report. It is still reporting the address of the collection agency as follows : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, NV XXXX ( This is cut and pasted from the XX/XX/XXXX TransUnion Report ) TransUnion has done nothing to correct this issue. It does have an obligtion to either report the correct address of it's clients purusant to the FCRA. This has not only affected me, but presumably every other person who has tried to contact this collection agent by mail. TransUnion has been extremely negligent in this regard. 

I do not expect much from TransUnion except a stock response " contact the collection agent '', etc. However, I do intend on using this complaint to the CFPB as well as the expected stock response to this instant complaint to form the basis for a lawsuit against TransUnion. So, go ahead, TransUnion ... igonre this for the third time over the course of YEARS with a stock response which, once again, does nothing to address the issue.
Consumer complaint received 2023-08-12
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. (CA)

It has been drawn out into the fraud that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-12
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. (SC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX the Revolving Credit on my Citi Card-XXXX was {$19000.00}. 
On XX/XX/XXXX I accepted the Citibank credit card Offer 14 for a balance transfer with 0,00 % Promotional Rate until XX/XX/XXXX. I made a transfer of {$10000.00} and paid {$300.00} transfer fee ( see XX/XX/XXXX statement ). 
I accurately made the required minimum payment every month. 
On XX/XX/XXXX I accepted the Citibank credit card Offer 15 for a balance transfer with 0,99 % Promotional Rate until XX/XX/XXXX. I transferred {$9800.00} and paid {$290.00} transfer fee ( see XX/XX/XXXX statement ). I accurately make the required minimum payment every month. 
On XX/XX/XXXX I made a payment of {$8100.00} to pay off the remaining balance of the Offer 14. The remaining new balance was {$9900.00} ( see XX/XX/XXXX statement ). 
On XX/XX/XXXX the Citibank moved {$7600.00} from the Promotional Rate 0.00 % into the Standard Purchase Rate 15.49 % ( V ) ( see XX/XX/XXXX statement ). I didnt know about it until XX/XX/XXXX, because I was using Paperless Statement system and all payments were being made electronically as per the schedule. Since then the amount I am being charged every month for the interest varies from {$100.00} to {$110.00}. 
When I asked a Citibank clerk what happened I was told that even though I had made a payment that would be enough to cover the balance of the Offer 14, only the minimum required amount was applied towards the Offer 14 balance. The remainder of the payments was applied towards Offer 15 balance because it has higher APR. The clerk said that this happened because I had two ongoing promotions with different APR. When I asked her what I could have done differently to avoid paying interest charges, she said that the only option I had was to pay off the balance, which at that time was {$18000.00} ( see XX/XX/XXXX statement ). 
I tried to raise this issue with a Citibank Credit Card manager, but she  said that I was explained the conditions of both offers before accepting them! 
I understand that nobody forced me to accept these offers but at the same time I couldnt possibly understand all technical aspects of what would happen when two offers overlap. 
If I was told in XX/XX/XXXX that in order to avoid interest charges, Id have to pay {$18000.00} four month later, I wouldnt accept the Offer 15! 
Given the complexity of payment allocation for two offers when combined, I dont think the information was adequately communicated for me to make an informed decision.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (TX)

Commenity bank has been continuing to harrass me even after making payments. If I miss one day I begin to obtain 10 calls in one day consistantl harassing me with legal. From there after I pay off the minimum they continue to contact me with harrasing statements. Same situation occurs when I make the payments as stated and they contact me to only harrass me attempting to scare me into paying it off. I have begun to ignore there phone calls and I may change my phone number soon due to it.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (CA)

I have received multiple letters from XXXX XXXX and XXXX in attempts to collect an alleged debt where Santander is listed as the original creditor who sold the alleged debt to these companies. I need a copy of this vehicle loan agreement that I originally signed sent to me within 21 days of the receipt of this complaint. I also need the date that the alleged debt was written off by Santander sent to me within 21 days of the receipt of this complaint. Note : No information included in this complaint shall be used in any attempt to collect a debt. Should my information be used as such, I shall lawfully pursue Santander for breaching my privacy.
Consumer complaint received 2023-08-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I have a Best Buy Visa Card. Never intended to get it at first because I have other credit cards. One time at a Best Buy store one of their sales agents was able to trick me into getting one after he said that there would be ZERO interest for 2 years and IF EVER I WILL STILL OWE THEM SOMETHING BY THE END OF 2 YEARS THE INTEREST TO BE CHARGED WOULD BE BASED ON THE END BALANCE ( caps for emphasis ). I have been paying, religiously, regularly and on time at least the minimum since the start. Payments were thru autopay. The promo period ended last XX/XX/2018. By Statement Closing Date XX/XX/2018 my balance was only {$650.00}. I knew interest would be charged by the next closing date but -- with all honesty -- was not expecting that it would be unconscionable. Since everything was on autopay, I did not bother to check said account. That is why I almost fainted when I saw today that I was actually charged {$820.00} supposedly as interest. All along I was assuming that my balance to date would only be around {$100.00} since I paid larger amounts after XX/XX/XXXX. Obviously, the guy who offered me the credit card at the beginning either did not know what he was talking about or deliberately misled me. I called Best Buy Customer Service but was transferred to a CitiBank Call Center agent by the name of XXXX who was not only unhelpful. She was INCOMPETENT AND RUDE. The call was placed just tonight at around XXXX XXXX Time. She could not even give me a detailed calculation as to how on earth the {$820.00} was arrived at. So I tried calling back the Best Buy Customer Service Hotline and made it clear at the start that I did not want to be transferred to a CitiBank Call Center Agent but still it seemed like they could not hear my pleas. Having hit a dead end, I am now hoping that CFPB could help me because I could not pay such unjust balance. I am willing to pay since I am aware that I have to settle my debts but only the fair balance. I now feel like Best Buy and CitiBank conspired to deceive me. I am now seriously considering filing Chapter XXXX Bankruptcy.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NC)

Company can not explain how interest is calculated. In 7 contacts with the company ( 2 phone calls, 5 secure message responses ), plus the information on the back of the statements, I've received a great deal of conflicting information on how the interest charge is calculated : * It's based on average daily balance / it's based on statement balance.

* Interest rate is [ APR ] /365/100* [ days in cycle ] / interest rate is [ APR ] /365*100* [ days in cycle ] * Interest is compounded daily / interest is month 's average daily balance times interest rate.

To date, I've finally ( in contact # 7 ) gotten an explanation of how to calculate the interest charge based on " Balance Subject to Interest Rate '' and APR, the results of which matches the numbers on my statement. ( Note : the calculation that gives the statement 's result does *NOT* match the explanation on the statement! ) But despite REPEATED requests for a DETAILED explanation of how to calculate " Balance Subject to Interest Rate '', I still haven't gotten one - and my calculations don't match the statement 's numbers.
Consumer complaint received 2023-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, 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, Account name XXXX : # XXXX, Account name XXXX  : XXXX, Account name XXXX : # XXXX Account Name XXXX  # XXXX, Account Name XXXX  # 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 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 2023-08-12
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: BMW Financial Services NA, LLC (MA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

This account has reported two late payments, which is inaccurate. Ive never been late.
Consumer complaint received 2023-08-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX XXXX different open/closed account dates which are inconsistent and inaccurate. Also, is medical debt, which is a violation of the fair credit reporting act. 

-National Credit Adjust : does not state who the original creditor is, and the open/closed account dates are inconsistent and inaccurate. 

There is also inaccurate and incorrect information on my credit report that I have asked to be removed, such as addresses and employers.
Consumer complaint received 2023-08-12
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. (TX)

In accordance with the Fair Credit Reporting act has violated my rights XXXX XXXX XXXX XXXX XXXX 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 written instructions
Consumer complaint received 2019-01-05
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. (NC)

in XX/XX/XXXX i went to XXXX XXXX XXXX XXXX to open an account to deposit funds i was going to use to repair my house, and when the teller said to me i could get a credit card i said i was not interested in a credit card them i did not think anything of it so i went on and few days later i notice a inquire on my credit report i ask XXXX XXXX XXXX and they gave me some kind of mumbo gumbo so I let it slide and then XX/XX/XXXX i had a hurricane damage to my house so i had FEMA flood insurance they took care of the part iwas in insured for and they told me i had to file a claim with my insurance company for the other damages to my house so I did they did not pay enough for all the damages I contact fema and told me to fill out a small business loan i told them i did not want a loan they said that was a procedure and that would not have to start the loan process and i for got about it until i seem and inquiry on my report and i call equifax and they said it was the USDA i call them and they said they did not do it so Equifax lied they were trying to get me to get a mortgage loan and i said i did not apply for a loan and they have not did anything yet
Consumer complaint received 2019-01-04
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Peoples Commerce Inc (PA)

In the XX/XX/2014 I brought a van from XXXX XXXX and the van broke down and kept breaking down and the XXXX XXXX company did not resolve it so I gave them the van back. They are still trying to charge me for the van till this day.
Consumer complaint received 2019-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Flagstar Bank, National Association (FL)

My XXXX XXXX XXXX XXXX Account XXXX XXXX was bought out by New York Community Bank ( NYCB ) My XXXX  Passbook Savings Account does not exist in their records, not nice or right, and why? 
Monthly or even quarterly statement are never mailed to my home. I have resided at the same location for many years.
Consumer complaint received 2023-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

Chase tripled our mortgage by completing an incorrect escrow analysis. They do not understand the nuisance of XXXX XXXX unique way of handling a XXXX  family home that has converted to a condo. Their analysis completed on XX/XX/XXXX assumes we will be paying a much higher tax rate than reality. 

They compounded this mistake by assuming our tax rate was XXXX at the last analysis. The combination of having at XXXX for XXXX  months and over estimating future taxes means their escrow analysis is around XXXX XXXX 

Despite repeated attempts to contact them about the analysis being wrong over the past 12 months they have not fixed the issue.
Consumer complaint received 2023-08-12
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

I am submitting this CFPB Complaint to follow up CFPB Complaint as a follow up to the recent complaint I submitted demanding the immediate deletion of the fraudulent accounts and information the Credit Bureaus have been reporting. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history. Please have the following items removed from my Credit file as soon as possible : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX I have taken all necessary steps to dispute these items with the relevant parties, including contacting the creditors and filing police reports. However, despite my efforts, these items continue to be reported on my credit file. I request that you investigate this matter further and remove these fraudulent items from my credit file as soon as possible.
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I took out a pay day loan XX/XX/2016 and I had surgery XX/XX/16 & XX/XX/16 which I became XXXX. I had every ententes to repay this loan but I became XXXX  with my XXXX  kids for almost 2 years. Now this company is harassing me, threatening to sue me, threatening to come to my home, threatening to come to my job, and continues to harass me on my cell while Im at work. I explained that I was willing to pay my original loan off but they want to charge me over {$700.00} or threaten to sue me. These harassment calls need to stop. This is a party acting on behalf of ACE CASH EXPRESS! They called me from XXXX and XXXX.