davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

To whom it may concern : My credit score has been dropping over the few months ; when researching the cause, it seems that there is an " outstanding balance '' on on my Macys AMEX credit cards. However, I had already paid this credit card off in full and therefore, did not believe that I had any balance left to pay. When my credit score dropped by another XXXX points this past round and the outstanding balance was cited again, I saw that there was an outstanding charge of {$1.00}. When reviewing my statements, it looks like even after I 've paid my last amount in full, there was a retroactive interest charge / fee that was applied without my knowledge, resulting in the {$1.00} balance that was applied in XX/XX/XXXX and carried over into XX/XX/XXXX. When I called Macy 's Credit Card services, they removed the {$1.00} balance as a " courtesy '' ; however, they cited this charge as an interest charge. Despite the generous removal of this {$1.00} balance, my credit score has taken quite a hit. Therefore, I was wondering if there is any way that I can rectify this situation and / or if there are other factors that are contributing to my low score. Please let me know if there is anything that I can do / if you need additional information from me. Warmest regards, XXXX
Consumer complaint received 2017-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (PA)

The company took {$1400.00} from my checking account before I agreed to the terms. There was no third party verification and the supervisor was pressuring me and trying to intimidate me into paying {$4500.00} which I explained that I could not afford. I told him I was no longer interested in the payment terms. I then went online and paid the past due amount to XXXX XXXX on the XXXX of XXXX, 2017. The next day, on the XXXX, of XXXX 2017, Firstsource Advantage , LLC. took the {$1400.00} out of my checking account without my authorization with a check that appeared to be written by me.
Consumer complaint received 2024-10-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

I obtained an auto loan from America Forst Credit Union because they held the existing loan from the person I was buying the car from. The loan has been funded for almost 3 weeks and I still can not transfer the title because the bank will not release the lien on the title. When I asked them to release it electronically, as required by AZ Law in 48 hours, they said they do not do that. I have been to the XXXX XXXX XXXX 5 times and the bank keeps running around. The seller and I have done everything asked but they are not doing their part.
Consumer complaint received 2017-07-30
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

On XXXX/XXXX/2017 I checked my credit card account online and saw an unusual charge of {$1200.00} had posted that day from a store I had never heard of. I called Citicards to inform them of a fraudulent charge. The agent said it was ok to keep the card open and I wo n't be responsible for this amount.
The next day I got an automated call from Citicards fraud system asking about a suspicious charge of {$1800.00} at another store. I responded that it was fraud and the card was terminated. An agent called and issued me a new card.
Four days later I checked my account and saw that the first charge from XX/XX/XXXXfor {$1200.00} was added to my credit card balance. I chatted with citicards online and the agent said nothing was done with this amount as far as disputes or flags go. He put in the dispute wrong as " goods or services not as expected ''. I called Citi on the phone and after several transfers got connected to a higher-up who said the whole thing is now a mess and should not have happened this way. The card should have been shut off the first time I called the charges reversed. He was going to do some paperwork on it and it will be a while until it 's resolved but it will be fixed.
Two days later I get a dispute letter from Citicards in my email needing a signature. I dispute letter says : Reason for dispute- Goods or Services not as Expeted. I respond to the email stating that I wo n't sign the document because it is wrong. The goods or services were never even purchased by me, it was fraud.
A few days pass and I get another email from Citicards with a new dispute letter that has a blank line for reason for dispute. I fill it in with " fraudulent charges '' and sign it, mail it, and hope for the best.
Today, a month later I get an email from Citicards saying the dispute was in favor of the merchant and I will be responsible for paying the {$1200.00}. I call Citicards a few different times throughout the night and get all different explanations on how their dispute system works and how they do their investigations and get completely different answers for each person I talk to. The guy in disputes says that fraud charges do n't get disputed, they get flagged. The guy in fraud says fraud charges get disputed.
Not once during their " investigation '' did they contact me for anything other than a signature.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, I received a letter in reference to my Chase Slate Credit Card stating that they are rising my Purchase APR and Balance Transfer APR from 7.49 % to 12.49 %. I have had this credit card for 18 years, never late, never over credit limit and my credit score has always been above XXXX. In the 18 years in having this credit card they have changed to card from fixed rate to variable rate. This is second change they are trying to make my card in the last 6 months. First they tried to reduce my available credit from XXXX down to XXXX. They say the changes are to reflex the rates for new credit card accounts. They have no answer to why I'am being penalize. I have 18years credit history with them. I have XXXX other credit card accounts 25 years and never I have the rates gone up. Being a person of XXXX I'am tried of banks doing what the want all the time. You sign an agreement when the deal is no more good for them they change the terms to suit themselves.
Consumer complaint received 2017-07-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (KY)

This complaint is regarding fraudulent transactions that were made by someone residing in another state on my Direct Express Debit Card on which I receive my Social Security payments.These transactions occurred on XX/XX/XXXX, XXXX, and the XXXX, 2017. I contacted the company and advised them that I had not made these purchases, as I reside in a different state, and have never visited this particular state, and my card was currently in my possession. The amount on the XXXX was for {$2.00}, on the XXXX it was for {$32.00}, and on the XXXX, there were 3 separate transactions ; one for {$150.00}, one for {$250.00}, and one for {$42.00}. The total of all these is {$480.00}. I attempted to dispute these transactions in the manner the company advised me too, but it took 15 attempts to even speak to someone in the fraud department. After I was able to reach someone I was advised that I would have to wait for the charges to clear before I could dispute them. I waited until they showed settled on my account, called back, heard the same " we are experiencing heavy call volumes, try your call again later ''. I heard this at least 10 times AGAIN before being able to speak to someone. I was told that a form would be mailed to me and once I filled it out and the transactions were checked into, I would have my money back. I filled out the form and FAXED it to them. I called to see where my money was and they said they just got the form! That 's not true as I have the confirmation sheet that it was sent successfully. I spoke to a lady by the name of " XXXX '' and she gave me her extension. I called back to speak with her as she informed me that I could on the last time we spoke, only to find out that she had been fired. I 'm not a rich person and I need my money back. This company is not a good one at all. i XXXX them and was horrified to see how many people are in the same position that I am in, and have n't gotten money that was taken from them years ago. Direct Express needs to be held accountable for what they are doing to people on Social Security, XXXX, and other government benefits. If this card is FDIC insured, i as well as these other people should have had their money back by now. This card is NOT safe, its not secure, and its not a good choice for people who receive benefits of any kind.
Consumer complaint received 2017-07-31
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. (FL)

I have submitted several disputes to Experian regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Experian is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Experian has not provided me with any VALIDATION OF THESE ACCOUNTS. Experian constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Experian what did the company VALIDATE with them, and I have repeatedly been ignored. Experian and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from XXXX and XXXX XXXX XXXX to remove from my credit file. Please see attached.
Consumer complaint received 2017-07-31
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. (FL)

I have submitted several disputes to Transunion regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Transunion is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Transunion has not provided me with any VALIDATION OF THESE ACCOUNTS. Transunion constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Transunion what did the company VALIDATE with them, and I have repeatedly been ignored. Transunion and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from XXXX and XXXX XXXX XXXX to remove from my credit file. Please see attached.
Consumer complaint received 2016-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (NJ)

Pinnacle Credit Services , LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. They still trying to pursue this alleged debt.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (AZ)

On XX/XX/2016 I purchased XXXX items from XXXX worth {$47.00}. There were few major issues:1 ) XXXX does n't have an order summary screen which shows at what address it is going to ship the items.So the order got shipped to wrong/old address. 2 ) I need to make numerous calls and send emails to get it fixed and spent close to 3.4 to 4 hours but still I did n't got my order and finally got the refund in the form of XXXX bucks. 3 ) XXXX send the entire XXXX digit credit card number rather than customer 's first name and last name. this is major security breach as they are exposing the entire PII data which can be really dangenerous. 4 ) when i told this to XXXX and law enforcement agencies about this data breach issue - XXXX retaliated and closed my account 5 ) As and when any refunds used to happen - XXXX used to refund the money not in discover card but as groupon bucks. XXXX abruptly closed my account and all my XXXX bucks ( which is real money ) is also gone. When i wrote this to XXXX they have n't responded. 6 ) Also reached out to Discover regarding the dispute and they are simply passing the blame to XXXX and doing nothing. Moreover Discover is not going to do something serious against their preferred partner ( XXXX ) for the credit card number breach,
Consumer complaint received 2023-01-24
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. (FL)

I have multiple inquiries on my XXXX XXXX XXXX equifax XXXX report that I did not authorize an they are direct violation of my rights to privacy per 15 usc 6801 ( a ) They are also in violation of 15 usc 1681a- ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-02-26
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. (NJ)

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. 

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 XXXXXXXX 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 2016-07-12
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Financial Credit Service, Inc. (TX)

I have been receiving constant calls from a private number, when i finally answered they asked to speak to me. I did acknowledge and began to listen to the reason for their call and started to get scared. They used threating and harrasing statements. I tried to get information about the debt I supposedly owe from 2012. They continued to threaten me with legal action, and very aggresive over the phone. Represenative started listing all my past addresses and phone numbers saying i could easily be located and sent to jail. I disconnected the call and i called back and asked to speak to a supervisor and the guy who took my call raised his tone, threathing me if i didnt take care of this matter i would have legal action against me. All of this was going on while i was still trying to figure out what debt it was. I have been ignoring their phone calls and they started to call my family members scaring them that it is an emergency for me to call them immediatley or legal action will be filled against me.
Consumer complaint received 2016-11-29
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Shore View Financial Partners Inc. (ME)

I hired Shoreview Financial XX/XX/2014 to modify my mortgage and paid them {$3000.00} up front to do so. The agreement was that they would exhaust all possibilities of a modification, and if they were unsuccessful, they would refund me the {$3000.00}. We had numerous denials in the past 24 months and were asked if we wanted to continue and we decided a refund was appropriate. I was told I would receive one within the week, never did. I called and was told I was n't forgotten and it should be another week or two. I called after that duration of time and received an email in response saying that the company was " shutting down '' but would be sure to pay me what I was owed. I waited another week and called again and I was told that they had no idea when I would actually be paid, and if any company ever told me that they could modify my mortgage for a fee to " run in the other direction, '' because if THEY could n't deliver, then NOONE would be able to. I am still having trouble contacting anyone and have not heard anything more about my refund.
Consumer complaint received 2023-02-26
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: Experian Information Solutions Inc. (AZ)

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. 

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  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.

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 in accurate.
Consumer complaint received 2017-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Well we purchased our home in 2007. We ran into financial issues and called Wells Fargo for assistance. They told us of a loan modification program. They said in order to qualify we would have to be behind in our mortgage. We were current at the time but knew we would be falling behind. With that in mind they encouraged us to fall behind ( so we did prematurely ) then called in as instructed. They stated to pay a certain amount which was less than 700 dollars for about 6 months ( along with a financial hardship document with our debt to income information ) and at the end of that they would have a proper mortgage payment for us ( well address it ). We paid that for months half way through the process we received letters talking about our mortgage being behind. We called on several occasions that it was nothing it is just customary to receive those during those times. Well the 6 months ended and they stated they couldnt provide us of new terms yet. They did and set us up for another 6 months shortly after we started the new program we had a Sheriff knock at the door stating we should get out of the house. We were completely blindsided and we were in foreclosure and they stated we werent. They lied about everything. I have everything recorded from my phone that I have transferred over started recording after we started getting the foreclosure letters and they stated everything was fine. What really sucks is that we had to pay an attorney in XXXX who acted on the behalf of Wells Fargo to get the house out of foreclosure which was never really in that process ( according to what they said ). 60 percent of what we paid were attorney fees and Wells Fargo fees. We pulled from our 401 k got penalties there and during the process our credit was run through the mud all of our interest rates went up and closed accounts. I would have never gone down that route if they didnt push me to do it. That process ending up costing us a lot. What is funny when I called the on it they completely removed any record of this on their books. When I asked for a statement they sent me everything but when I was on the program. It is almost like they were trying to cover it up. Wells Fargo should at least give me back my attorney fees for their false process. The measly XXXX the government forced them to pay last year does n't cover the other XXXX in attorney fees. Pain and suffering should be thought of too. I have all of the documents and recordings of Wells Fargo just did n't upload them want to see what can be done first. I have submitted this before they are not telling the truth about what they did and their process.
Consumer complaint received 2017-07-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I have financed my automobile through Nissan Motor Finance since XXXX of XXXX. I have a 5 year loan on my vehicle. My monthly payments were made via auto pay on time every month for 3 years without incident. In XXXX of XXXX, Nissan Finance, without any warning or notification, simply stopped taking my auto payments. I received no late payment notice, and only stumbled upon the fact that the XXXX payment was not taken when the XXXX  payment came due..by this time the XXXX payment had been reported to the credit reporting agencies as 30 days past due.
According to Nissan, although I have a 5 year loan, the auto payment option stopped at the end of three years and had to be manually reinstated by me via their website at that time. I had no idea, nothing in the loan paperwork tells me this. One might have thought they might have notified me that this was the case.
I have reinstated the auto pay, and all payments continue to be made every month.
Attempts to have the late payment removed from my credit report have been futile. I feel strongly that this should not be on my credit report, as I did not " miss '' a payment.