davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
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: EQUIFAX, INC. (OH)

I am being charged for a credit freeze and have been a victim of fraud and online hacking. XXXX and really all of them are doing a major disservice to people by collecting ans then storing my info ( data ). In the past someone used my credit info to open charge accounts and those stupid pay loans. I am so sick and tired of companies and people making money off my image and my data ... illegally or what society has allowed to be considered legal. In order to collect my data or to house it on a computer you must have my permission to access, house or use my info and my image and I have not granted permission to any of them, ever and they continue to use my image which is my data. To turn around and try to sell me my own info or to lock my info is wrong and should be illegal. I am filing complaints with consumer complaint organizations as well as the Federal Trade Commission and my Attorney Generals office in XXXX, OH. These companies need to lock my info immediately and they DO NOT have my permission to retain my information on me on any system any further.
Consumer complaint received 2016-10-06
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Auto Trakk, LLC (PA)

I paid off a XX/XX/XXXX from AutoTrakk XXXX. The agreement was XXXX dollars to close the account. I kept the arrangement and paid the monies as requested. Auto Trakk updated the credit report to say Paid, Closed. However Since then Auto Trakk has been reporting on my credit report for 10 months last reporting was XXXX. Causing my credit score to go down XXXX points
Consumer complaint received 2017-11-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (ID)

I have a vehicle loan that I was awarded and am responsible for as a result of my divorce in XXXX XXXX. After the divorce my ex-wife remarried and together her and her new spouse filed for bankruptcy. Since her name was attached to the vehicle loan this vehicle was included in on the bankruptcy. I have spoken with Wells Fargo about this and as long as I keep making payments there is nothing to worry about with the bankruptcy. 

Only problem is that I no longer receive account statements and have any access to this account and the details of it online or otherwise. I have tried to submit inquiries and contact XXXX XXXX XXXX XXXX regarding this but I have not received any contact in return. I have thought about paying off this account or making larger payments to get it paid off rather quickly but I am in the dark with balances and where I stand with any early pay off penalties that may exist.
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit report, I notice XXXX XXXX XXXX, reported that a charged off / " Paid, Closed {$29000.00} written off, '' comment. Since I was not the rightful / legal owner of the XXXX XXXX XXXX. Due to XXXX XXXX XXXX dealership illegal activities during the sales transaction. I have requested on several occasions to remove this item from my credit report or place it in Dispute status, they refuse to response back. I am requesting that all negative responses be remove and updated immediately, including comments like these : " derogatory, Charged off as bad debt, etc. '' I am also requesting validation, made pursuant the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. along with the corresponding local laws. Please note that I am requesting " validation, '' that is competent evidence bearing my signature, showing that I have ( or even had ) some contractual obligation to pay. Please also be aware that the negative mark found on my credit reports from your company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15.00}, XXXX in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


Desired Resolution / Outcome Desired Outcome : Failure to respond within 5 business days of receipt of this message may result in legal action against your company at my local venue. I would be seeking a minimum of {$15000.00} in damages per violation for : Defamation, Negligent Enablement of Identity Fraud, and the list goes on. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Also, that all derogatory and negative marks / responses be remove and updated immediately.
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

sent po report to XXXX, XXXX, and transunion XXXX XXXX, XXXX and XXXX XXXX id theft victim sent everything to the major credit bureau
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was out of work for about 6 months. after contacting the Credit Card Co Cap One, I was hoping to have my fees reduced due to late payments, but I was advised they do not offer this service. So after getting back to work I contacted them again, lets work to reduce the APR from default of 29. % to something manageable till I can catch up. Again sorry we do not offer this. So what are my options I asked? Credit counseling and debt consolidation? Not asking for much just a temporary solution.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (CT)

On XX/XX/2016 my husband and I signed for a membrship with the XXXX, at that point we were living in a close by location so we were going to try that gym, after couple months we moved out of town that is XXXXmiles or more away from any club location and we asked the XXXX stuff to help us with the cancelation according to the right to cancel that is written on the contract, they redirect us to their financial company which is ABC Financial Services , Inc where we were told to send the documentation proving that we live XXXXmiles or more away in order to cancel so we did, in response they told us our membership can not be cancel because according to them we live XXXX miles away not XXXXmiles as is showing on any GPS and without any kind of proof from their side
Consumer complaint received 2024-10-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

I have a couple of $ XXXX Amex Gift Cards that I am fnding are extremely difficult to use on-line to companies/stores that normally take Amex cards. I was told any place Amex cards are taken these Gift Cards would work but they don't and it's really difficult to use them anywhere.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (DC)

I was provided a corporate American Express card by my employer. The terms outline " You authorize American Express, its affiliates, and licenses to exchange business and consumer credit reports. You may direct us not to share with our affiliates and subsidiaries ... by writing to us at ... .Please include your Corporate Card account number. '' I wanted to talk to someone about this process. I first tweeted at AmEx and they said I should call customer service at XXXX. I did and, when I reached a human, I requested to direct them not to share my information. They said they were n't planning on it and it should be fine because it is a corporate account. I said that since it was outlined in the terms I wanted to direct them to not share my information and wanted it noted on my account. 
The person I spoke with then said they 'd connect me to the department that would be able to do that and placed me on hold. After a hold, they said I should call back at a later time because the queue was too long to connect me to the department and I should just call back later.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Lending Club Corp (UT)

This is as far as what happened XXXX, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended this Academy from XX/XX/XXXX to XX/XX/XXXX I have not seen any change progress in their Totally deficient math grades, with a totally low grade. The only thing that my daughter was taught was divisions that is not fair. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took XXXX hrs those XXXX hrs is nothing based on what? my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not XXXX, I am a single mother I do not have financial resources to pay. 
I also want to let you know XXXX XXXX XXXX the manager was a way to make a trap with me when I signed the contract, everything was in English I did not understand the process and signed without knowing what I was doing, I speak XXXX I beg you to have consideration to my request I can not pay the sum of XXXX dollars, I totally reject and I hope not to be ignored by you. 
Thank you
Consumer complaint received 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OR)

Ditech in XXXX, Calif. refuses to credit my principal payment of XXXX, they received and cashed on XXXX XXXX, 2017, they continue to say they never got payment OVER PHONE AND ON THEIR WEB SITE, even though I faxed them cancelled check, the check had the account no. and property address on it too. This seems illegal and not fair to me.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (NY)

A customer rep calls me on behalf of McCarthy, Burgess & Wolff representing their client XXXX to collect on a final bill that they claim was not settled. The representative did n't even have a copy of the final bill available to send to me to review. I had already settled the issue with XXXX, and termination fees were removed, but then they added the fees again to my account. I had been swindled by a customer service representative to sign up for a contract plan that required me to pay for 24 months of service. If I cancel service, they wanted me to pay for {$800.00} in  termination fees. They lied to me when they signed me up for the service initially because I specifically told them I do not want to sign for a contract because I was a new business and did n't want to be locked into anything.
Consumer complaint received 2017-11-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I have never had a late payment with Navient ever and not to long ago they reported my loan late and made my credit drop 100 points. I need this to be fixed asap. I tried dealing with Navient and all they said that they ca n't do anything about it and that I need to contact the credit bureus and dispute it like that. I believe this happen in XXXX.
Consumer complaint received 2017-11-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC (IL)

I recently closed on a mortgage purchase with XXXX XXXX for a condo in Illinois. The closing was completed at the end of XXXX 2017 and the loan was sold to XXXX XXXX shortly after closing. XXXX XXXX is the current loan servicer and was the loan originator. Shortly after closing my loan, I began receiving multiple email notifications from XXXX XXXX to obtain a consolidation personal loan. Also, when I login online to view my mortgage account information, the XXXX XXXX promotion appeared. I later received a pre-approval confirmation and was approved for an XXXX consolidation loan with an auto-payment of approximately {$300.00} a month for a 3-year installment loan term. XXXX XXXX was then assessing a {$400.00} loan origination fee which I later discovered and the interest rate / apr range was 22-29 % ( also inflated from the original information provided ). My intention was to use these funds to consolidate various debts which ultimately would reduce my monthly payment obligation ( save me money ) and covert to a fixed installment repayment term. I received several communications from XXXX XXXX confirming my loan was approved and directing me to complete/sign my loan documents to fund the loan. I am including copies of these various communications as an attachment for reference. All of a sudden at the very end, I received an adverse action notice as was advised the loan funds would not be provided. Overall, the marketing information received from XXXX Loans was deceptive and provided clear direction the pre-approval, approval, and loan documents were good to go. Obviously this was a loan consolidation effort on my part which ultimately would have provided benefits in reducing my monthly payment obligation and would allow me to consolidate debt. I will admit the {$400.00} origination fee was not necessarily disclosed upfront at the time initial email communications began, but later in the process as the loan documents were getting prepared for signature I noticed this fee appear. Additionally, the initial interest rate/apr information provided was much lower ( less than 14 % ) than the later documentation conveyed of 22/29 % ( interest rate/apr ). The more I thought about what occurred, I realized how deceptive these communications were especially since I began receiving them shortly after closing on a recent mortgage loan with XXXX XXXX. I hope the supporting documentation will aid the CFPB in looking into this matter further. If this happened to me personally ; this is also occurring to other applicants which simply is n't right. Something is wrong here and an investigation should be conducted immediately.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

Hello, My Bankruptcy included my home in XXXX WI that is now serviced by XXXX. My Bankruptcy was discharged in 2015 and has always shown as discharged under bankruptcy however they are now reporting that I owe and the account it open showing amount due, days late etc. I never reaffirmed the loan and under the Fair Credit Reporting Act they are falsely reporting and this is a legal liability on XXXXXXXX XXXX part. I appreciate your assistance as this is causing a serious issue for me with my credit that I have worked so hard to rebuild since the losses of divorce and bankruptcy. I was on hold with XXXX over two hours and they did not take my call.
Consumer complaint received 2016-09-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

Wells fargo keeps charging for insurance on a ford fiesta. I carry insurance on the car with XXXX. They have faxed them the information that i carry insurance. They are charging me XXXX more a month for ins. i dont need. This is also effecting my credit. They started charging me several months ago for this out of the blue.I would like it to stop now. Thanks, XXXX XXXX
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Dear Sir, I have a Sears MasterCard. This card is issued and serviced by Citibank on behalf of Sears. I usually pay all of my monthly bill using my bank 's online bill paying service. On XX/XX/XXXX I paid a group of bills. I thought that I had paid my Sears credit card bill of {$16.00}. However, I must have made a clerical error and skipped this bill by mistake. 

Soon after the Sears credit card due date of XX/XX/XXXX a started to receive a daily Robo call from Citibank on my home land line. These calls were coming from phone number XXXX. Every day I received a recorded message to call Citibank regarding my Sears account at XXXX. No reason way given. 

I hate Robo calls and find them very upsetting. As a result, my home land line is on the WWW.DONOTCALL.GOV list. This did not deter Citibank from Robo calling my home land line on a daily basis for weeks. 

When I received my next monthly Sears Credit card statement in XX/XX/XXXX, I realized that I had missed my prior payment. I was charged a late fee of {$16.00} which is 100 percent of the amount that I owed and 1,200 percent on an annualized basis. I was also charged {$2.00} in interest at an annual rate of 26.24 percent. 

When my XX/XX/XXXX payment was posted on XX/XX/XXXX the daily Robo calls finally stopped. 

On XX/XX/XXXX I received a letter from Citi Cards explaining that my XX/XX/XXXX payment due on XX/XX/XXXX was over due. At this time I had already made my XX/XX/XXXX payment. This letter was useless since it was n't mailed out until almost a month after the Sears MasterCard statement due date. 

My main complaint against Citibank is their policy of continually making daily Robo calls to customers who are on the FTC do not call list. This should not be allowed. Even if someone is not on the FTC do not call list, I consider these persistent daily Robo calls to be form of harassment. 

Citiibank 's Robo calling practices should to be stopped. 

Thank you for you assistance.
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (CA)

Here I am again with this same company! Who now after my most recent complaint decides to finally mark the account as closed on XX/XX/2017 which again is INCORRECT reporting. Second they decide to mark my account as 30 days past-due on the same day! The payments are due every XXXX of the month Were not at the XX/XX/XXXX yet which makes it impossible for me to be 30 days past-due. This company really needs to stop illegally reporting this account on my credit. I will move forward with other action if they dont be fair and REPORT CORRECTLY!
Consumer complaint received 2017-11-23
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 (SC)

Back in XX/XX/XXXX I was laid off my job and I lost everything from my car, to my house. I called into XXXX XXXX explain this issue. XXXX XXXX claim to have been understanding but still demanded payment when it was due. I struggled all year to get on my feet. I am a single mother and its not easy to lose everything and have kids you have to still feed, house and clothed. I started a part time job and gave what I can just to pay my credit line on time while trying to get back on my feet but it was until XX/XX/XXXX, I found a fulltime job and was actually on my feet. 

I have reach out to XXXX XXXX in XX/XX/XXXX to see if out of goodwill they would be kind to remove the late payments on my credit report due to my hardships and they stated they cant and that they will place a disagreement code on my credit report. I have been with this company for 3 years now. It just shocks me that they are not understanding of serious situations their customers endures at times.
Consumer complaint received 2017-11-24
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: EQUIFAX, INC. (NC)

I have several accounts with XXXX XXXX XXXX and had a couple late payments reporting for them because my wife had lXXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA
Consumer complaint received 2016-09-21
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (CA)

I 've been homeless after I move from apartment call XXXX XXXX so I can not receive mail Hunter Warfield claim email me papers about a settlement offer you have n't proved it also my ex-husband is on this least we had together but I only see it on my credit report we both signed a legal and binding contract I am now divorced from my ex-husband and now I have to deal with that debt I 'm wondering how come they never went after him I 'm not working due to a XXXX but he is when I left the apartment I did n't pay {$1700.00} and then Hunter Warfield climbing out of {$4100.00} this is a nightmare for me I have asked them to send me a paper to my current address. What I was told over the phone is after I paid the full balance I will get a letter a discharge meaning I no longer own it not sure why they would tell a lie like that because they do record us when we call