davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

I used the Amex website to pay my bill. It resulted in double payment. I called up and they refunded the extra payment. 

However, this caused an insufficient balance in my bank that bounced two payments. The fees were {$34.00} each total {$68.00} I contacted Amex and they said it was my fault that the duplicate was made. And that since my bank XXXX is the one that charged the fees they are not responsible. 

I argued that it was their website that caused the duplicate payment and that it was their double collection that caused my XXXX bank insufficiency. It doesn't matter that the fees are charged by XXXX but it does matter that they caused it. 

They also argue that when I called at the time in a panic to get them to reverse the extra withdrawal that I said it was an overpayment. This is not an admission of any kind but an effort to get the refund as quickly as possible not knowing what the issue was. This is pretty sleazy on their end.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The 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, 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 2023-09-06
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2019-10-30
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. (UT)

XXXX # XXXX is reporting lates in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2019-10-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Premier Student Loan Center (MA)

I worked with a company called Premier Student Loan Center. They honestly did a great job getting my payments very low. After almost a year and a half of paying them, I started to hear about how this company might be a scam and that I should probably look into it more. I reached out to my student loan lender ( XXXX ) and was advised to file a complaint because it did not appear to be legal/legitimate. 

I filed my initial complaint, here, through this website in early XX/XX/XXXX. I heard from Premier Student Loan Center on XX/XX/XXXX. They wanted to speak to me about my complaint. After our very thorough conversation, the gentleman I was speaking to offered to give me a refund going back to the date I started paying them XXXX XX/XX/XXXX ). He said it would be for a total amount of {$1600.00} and to look out for it in the mail in 5 to 7 days. My complaint on this website was updated from Premier Student Loan Center showing that as well. I closed out the complaint and was happy with their apology and my refund for the inconvenience. 

I received the check on XX/XX/XXXX, and deposited it that same day. The check cleared with my bank on XX/XX/XXXX. Over the course of a few days, I spent half of the money to pay various bills and expenses. On XX/XX/XXXX, I woke up to my account being - {$1000.00}. I called my bank right away and they were able to find out that the funds were returned due to a frozen/closed account. I called Premier Student Loan Center several times this day. The phone ring and ring and went to voicemail ( as a matter of fact, it kept saying to call back during normal business hours even though I was ). I also sent a follow-up email to the gentleman I was talking to ( on the XXXX ) asking about why the check was returned. I also called their bank that the check was written on and the rep said that all she can tell me is that the account is frozen and I need to reach out to the company that sent the check. I found out that the company written on the check was closed after doing a quick good search. As of XX/XX/XXXX, I have heard nothing back from Premier Student Loan Center in regards to this refund check. 

All in all, I believe that they sent out the check to make me happy enough to shut my mouth and to close the complaint that I had originally filed ( which by the way, they responded to by saying they will submit a client refund ). I truly feel like they sent the check knowing the account was closed and that I would never see that refund. Shame on them for scamming people this way. Do not do business with them. You are better off working things out with your lender directly.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

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 2019-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MD)

On Thursday, XX/XX/XXXX I transferred {$800.00} to my cash app account. For some reason i received an email stating my account was closed with no real explanation. I have tried to contact CashApp several times, there is no real number to call so I have emailed several times since Thursday and have only received automated emails and have gotten no where. I just would like to get my funds out of the account. It is a total of {$800.00}. 

Attached are pics and emails received. I have tried to add a new card and bank to transfer funds and it will not accept. The email I keep receiving says it has been over a week since they have heard from me but I have not had this issue a week yet.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (CO)

I have always paid my account on time every month thru the website that the company provides and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it 30 days prior on line and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2019-10-13
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. (ND)

The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : Equifax Mortgage Services, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, XX/XX/XXXX.
Consumer complaint received 2019-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC (NJ)

Mariner Finance LLC was provided with Notice to Cease and Desist from contacting me via phone on two separate occasions. They were also instructed to correspond with me regarding all account information via regular mail at my current home address. They never did. On XX/XX/2019, Mr. XXXX XXXX XXXX provided my financial institution, XXXX XXXX with legal garnishment papers. It appears through illegal channels, documentation was filed with Superior Court of New Jersey, XXXX County, Special Civil Part without providing proper notice to me regarding the debt and providing opportunity to dispute same.
Consumer complaint received 2023-09-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (FL)

Two months ago I paid a large payment IN ADDITION to my normal monthly payment as instructed by customer service. I called them in advance to determine how to make a payment to pay down my principal balance. Most personal loans I've had allow you to dictate where your extra payment goes. I specifically asked if I could pay down my principal, I just want it to go against principal - and the customer service agent stated that it would if I made it the same day as my normal payment ( which goes against interest and principal ). When I made the payment, my principal balance did indeed reflect the additional payment of {$750.00}. But a week later, I saw that NetCredit recalculated the payment split and showed only 300 going to principal. I reversed the payment and NetCredit showed my principal way higher than it was before I made the extra payment! That is not correct. I made my payments as agreed. Interest was already paid that was calculated at the beginning of the loan. My extra payment, paying more than {$400.00} in interest means that the next several payments, MORE should be applied to principal because I've paid at least 6 payments worth of interest in that {$400.00}. NetCredit did not agree and said, they determine the split and they determine how much goes to interest owed. 
Again, I NEVER paid the extra payment, NetCredit would not have received EXTRA interest paid. You can not charge me more interest than you would if I paid every month on time through the life of the loan. And you should not take advantage of a hard-working XXXX XXXX XXXX trying to better her credit and credit standing. I tried to request that NetCredit send me everything that showed how they calculated what goes to interest and what goes to principal each month and show me how my payments were distributed. They first sent me gibberish, and then they finally sent me the amortization schedule. But the amortization schedule DOES NOT match the actual payment schedule. Nor do the principal balances on both documents match and they should! I also have the right to pay toward principal only and not pay the company additional interest they are not entitled to earn off of a " PRINCIPAL ONLY '' payment! 
This type of process is predatory in nature and does not allow the consumer/borrower in good faith to pay this loan earlier. Period.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

i have a capital one card were i pay XXXX monthly and i had XXXX XX/XX/2018 which is causing me to have complications afterwards during my healing process. please forgive me due to this set back that is beyond my control.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I requested a credit line increase. It was denied due to a pending legal action against me. There IS NO pending legal action against me by them or any other company/person. My credit monitoring software shows nothing. I even checked my states judicial website for a small claims issue that maybe Im unaware of and there is nothing. The information is false and when I called to request where they obtained that from so I could file a dispute two women said they did not have the information and there is no way to find out where the info came from. But one was able to check and she showed they have no knowledge of any pending legal case against me. So this is a false accusation and I want it removed promptly from my records.
Consumer complaint received 2019-09-03
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: CITIBANK, N.A. (CA)

On XX/XX/2019 I received a notification from XXXX XXXX stating I had a new inquiry on my credit from CBNA. I also received several txt and a voice mail from Citi that I had to call regarding my application. I never filled out an application on XX/XX/2019 for credit of any source and with no one. I never gave my consent. I did call and they say they dont know.
Consumer complaint received 2023-09-06
Product: Credit reporting 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. (AL)

XX/XX/XXXXXXXX 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 In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-10-10
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. (NJ)

I am filing a complaint regarding XXXX for their failure to properly validate accounts that are being reported on credit file. Despite multiple requests, including XXXX written communications, XXXX has failed to comply with the federal regulations under the Fair Credit Reporting Act. Specifically, I have requested that they provide a copy of the original contract bearing my signature, and proper validation of the debt including a full breakdown of the account. Despite my good-faith efforts to resolve this matter, they have been negligent in responding and I have not received the requested documentation or validation of the debt. This failure to act is a clear violation of federal law.
Consumer complaint received 2019-09-05
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: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX I obtained a repair loan from a lender I had several notes with previously. The loan was for a term of14 months at approx XXXX/mo. XX/XX/XXXX i turned all my affairs to the person with power of atty. She contacted the loan company, explained the situation and offered regular consistant payments of $ XXXX/mo. The loan company agreed to accept $ XXXX/mo and received 18 payments of $ XXXX/mo starting XX/XX/XXXX month after month till XX/XX/XXXX. It was only then did I discovery each and every payment was applied to the interest only and not only did the principle decrease it actually went up. XX/XX/XXXX I filed chapt XXXX to prevent a trustees sale and protect my equity. This lender hired an atty who filed a proof of claim for them. However, they valued the collaterat at over {$2600.00} when in reality if it was worth {$750.00}, that would be overpriced. In the lazt 2 months I was offered {$50.00} for it.When I  accomplished what I needed to do and the court gave its approval to remove my house from the control of the trustee and the bankruptcy estate, and I was able to sell it at market value. I did and having no other real pressing issue to continue the matter I allowed the trustee to move for dismissal. Their atty did not file an adverse action regarding the $ XXXX+ they claim I owed. They notified Experian, when is unclear that the acct is a charge off and they never got any payments ( despite getting 18- {$100.00} pmts and their atty not pursuing the matter, if they were owed anything, as an adverse action in bkcy court ) .When I filed the dispute by mail the trade line was reading " XXXX XXXX XXXX '' upon receiving Experians dispute results and comparing them to my Experian report, on my report XXXX XXXX XXXX   no longer appears but it now is shown under " XXXX XXXX XXXX XXXX '' it still is a charge off and claims the amt charged off is like {$2400.00} or {$2500.00}. They have never followed the FCRA requirement to report full and accurate information, to this day they still hav n't. Now in an effort to confuse things more it isnt even being shown the same anymore. 
This complaint is against both Experian and the lender