davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

After having a business checking account for 30 or so years, Citibank suddenly decided that they were closing my account and closing access to this account because they forced us to complete a questionnaire designed for corporations. We advised them that our professional practice was a sole proprietorship but that did not matter to them. As part of the closure they were supposed to forward any electronic payments made from insurers including Federal Government. There was a payment of {$62.00} made to them which they never forwarded. We got no satisfaction from our local branch, the corporate office or customer service who never once responded. We were forced to take Citibank to small claims court, they never showed up. We got a judgement which they never settled. As far as I am concerned they stole our money, adding to the cost of transferring our checking accounts and bookkeeping, etc for such an idiotic reason. For the record, when we rapidly opened a similar account at a local branch, they gave us similar forms to fill out and very clearly advised us what parts did not have to be filled out, which was exactly what Citibank expected us to do but were unable to. 

As long as we are making this public, I can add that for years I used Citibank to process credit card payments made to us directly into our Citibank account. Their monthly charges were written up and itemized in a way that we had no understanding of the breakdown. Upon searching why we were paying so much, we discovered hidden charges that were added without our understanding. Bottom line, by switching vendors, our monthly charges went from about {$500.00} per month to about {$150.00}. Now we get full explanations which should have been required!
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Creditrepair.com, Inc. (CT)

I went to credit repair.com to fix my credir. Ive been paying them for almost a year and at first they were helping and my credit was going up but suddenly my credit dropped down dramastically. I called a lawyer regarsing a different problem and she brought to my attention that creditrepair.com is not actually liscensed in the state of connecticut. Now i would like my money back for misleading me into thinking they were able to help when in fact they didnt and honestly couldnt because they are not liscensed in the state i live. The lawyer that i spoke to has tried to call credit repair and no one has responded or even picked up the phone.
Consumer complaint received 2017-11-28
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Risecredit, LLC (TN)

I took out a loan with Rise credit for XXXX when and submitting the paperwork - it stated the estimated payment would be XXXX every two weeks. I have now been told that the payments are fluctuating because that first payment was only one day of fees. That was not disclosed and is completely unfair. I cant possibly afford fluctuating payments like this! 

I attempted to talk to there customer service department and there collection department, they only explained the payments fluctuate. What I want is to pay the XXXX every two weeks without compounding interest. 
From what rise is charging on a XXXX loan I would pay back close to XXXX - I need help and if I pay the XXXX every two weeks I will never get out of the hole the are putting me in. 
This company is robbing people!
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (TX)

Report inaccurate information through XXXX and XXXX, had information removed from trans union. Account reporting past due after being closed for over a XXXX Never heard back from credit report agency in XXXX  days.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I had a Capital one credit Card years ago. They cut the card off because they said they could not confirm who I was because someone got my information and they sent a card to Florida. That was fine I keep making payments and played it off. I did not heir from them for years and I assumed the account was closed and cut the card up. Then in XXXX XXXX-2017 I get a bill for fees on this account after not even hearing from them for years. I do n't have the card and I contacted them and all I get is the runaround about a password I no longer have. I have gone threw the hole proses twice and they tell me it will be taken care of but the next month I get another bill with more fees. I have had more ID problems as of late.
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

I had XXXX service. For 4 months, they continued adding unwanted services to our contract trying to increase our bill every month. I contacted them every month to cancel the services that were never ordered by me but somehow showed up on my bill. After getting frustrated with calling every month, I contacted XXXX and told them just to cancel the service. The representatives I spoke to told me that I ordered the XXXX channels and the basketball ( neither of which I am interested in ). XXXX also tried to take this fradulent amount from checking account numerous times without my authorization. They were disputed with my bank and reversed. XXXX is well aware of the situation and it really angers me that they have placed the account for collection and now impacting my credit score. If XXXX did n't breach the contract by adding additional channels that were not ordered by me, I would n't have to waste my time dealing with this again.
Consumer complaint received 2017-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX credit card is reporting on my credit file an account and passed due balance that does n't belong to me. This was identity fraud and opened as I was a victim of fraud from two major data breaches. I have done all the steps capital one gas requested but they are still indicating this fraud account under my credit file which is greatly effecting me as it has a negative impact on my score and ratings. Again this card and information they are reporting indr this card does not belong to me. 

They have it listed as capital one XXXX XXXX XXXX XXXX XXXX XXXX Utah Partial account number XXXX ... 
I have reached out to them numerous times and they haven of done a thing to resolve this matter
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

since XX/XX/XXXX, there has been a freeze by XXXX on my credit file.i can not buy anything, my report either shows i do not exist or all o.over 40 calls to XXXX and they tell me it is not frozen.they sent me to trusted id and over 30 calls and i still can not get my credit there.i have been to three car lots and always get the same answer.i had one preson at the freeze department of XXXX have me send in copies of my id.no help as there is no freeze they say.out of the over 40, around 15 say XXXX had frozen my credit due to security breach, they said they were taking it off with no change.one gave me a confirmation number and when i called back it was a made up number.i do not know what to do i have exhausted every opition i know of.please help i do not know who to call or what to do.i do not want to lose my home or cards as they monitor credit.thanks for any help i am pass frustrated
Consumer complaint received 2017-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CT)

I 've been trying to understand the process for termination of the PMI based on LTV and am getting an unsatisfactory answer.
My understanding is that the LTV is based on the appraised home value or the value of the house that the loan was based on and not the original loan amount. Currently all responses whether called or emailed or mailed have all referred me to the original principal amount ( which was a refinanced amount ).
I 'm looking for the true LTV please. What was the appraised value when the loan was originated ( I keep receiving by mail the original borrowed amount ) and why ca n't we determine value based on the current appraisal by an independent appraiser, or even the current tax bill?
This approach seems deceptive and it seems to obfiscate responsibilities by M & T Bank for additional years of PMI.
Consumer complaint received 2017-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted TransUnion numerous of times about the following inquired on my report. 
1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2017-11-28
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. (FL)

In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from XXXX or Equifax. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my XXXX credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On Equifax. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.
Consumer complaint received 2024-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (NY)

RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and US Bank demanded that I pay {$460000.00} in order to stop their foreclosure sale prior to the auction and would not allow a stay, so that I could work with an attorney. 
They started the auction at {$250000.00} on XX/XX/XXXX, so there was predatory lending. 
I was told that my house was purchased by an investor. 
No other information has been given to me. 
There was mortgage fraud, as per my prior CFPB report. 
I am in finance and this case of fraud, foreclosure and defamation will make it impossible for me to earn a living. 

I am requesting a stay on the deed transfer to work with the lender and an attorney. 
I have also hired a forensic attorney to research this matter and prepare a comprehensive report.
Consumer complaint received 2017-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. XXXX XXXX XXXX would provide not me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid.
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (NY)

I purchased a mattress at XXXX 's in XXXX XXXX XXXX on XXXX  2017. The salesman convinced me to buy it through a financing program they offered in store in order to qualify for 0 % interest on the purchase of the mattress. I just noticed that the purchase had a 30 % interest charge that was deferred for 12 months and then added to the principal balance and the 30 % rate continued to be applied to new balance. 

The salesman said that if I enroll in autopay that it will automatically deduct the necessary amount to pay off the balance and I would n't be charged any interest. I feel I was tricked into signing up for this and now I 'm paying 30 % interest.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (GA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-09
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. (SC)

XXXX is in violation of the settlement agreement for the identified predatory loan. They were supposed to clear my credit report of derogatory marks related and wipe my it off due to being identified as a predatory loan. They have now moved back to their previous tactics of reporting and updating my status as late payments for a charged off account and harassing me via phone and email. 

I am writing to formally notify you that XXXX XXXX XXXX XXXX ongoing notifications and listing of repossession of my vehicle, associated with Loan/Account Number [ XXXX ], is in direct violation of the settlement agreement in the case of *People v. 
XXXX XXXX XXXX XXXX, finalized in XX/XX/XXXX. 
Based on the terms of the settlement, particularly as outlined in paragraphs 10, 11, and 12 of the agreement, XXXX is required to provide certain consumer relief, including : - **Paragraph 10** : XXXX shall not repossess vehicles for consumers who had a loss forecasting score of XXXX or less and had defaulted without having their vehicle repossessed as of XX/XX/XXXX. 
- **Paragraph 11** : XXXX is obligated to waive the deficiency on loans it owns for Mandatory Relief Consumers , including those with a loss forecasting score of XXXX or less. 
- **Paragraph 12** : A moratorium on collecting or selling certain consumers loans is in place, specifically regarding Deficiency Relief Consumers. 
As a participant in this settlement, I believe my attempted vehicles repossession is in violation of these specific provisions. I request an immediate review of my account and the situation, with a corrective action to remove degrading marks from my credit and ongoing updates to further sully my credit score.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I got an email on XX/XX/XXXX that my Bank of America checking account would spontaneously convert to a different type of account with a monthly fee for a balance below a certain amount. 

" On XXXX XXXX, 2018, your eBanking checking account will change to Bank of America Core Checking ''. 

" We 're updating our checking products and, as a result, your eBanking checking account will change to a Bank of America Core Checking account. Core Checking offers unlimited access to our ATMs, Mobile and Online Banking, plus access to our financial center tellers. 

What 's staying the same : Account information, including your account number, checks and debit card, all remain the same. 
Account features, such as direct deposit, Mobile and Online Banking, Bill Pay, as well as accounts linked for overdraft protection, will also remain the same. 

What 's changing : Financial center transactions Beginning XXXX XXXX, 2018, you will no longer pay a monthly maintenance fee because you use a teller to make deposits and withdrawals. With your Core Checking account, you will be able to make unlimited deposits and withdrawals with a teller at a financial center. 
Monthly maintenance fee A $ XXXX monthly maintenance fee will apply to your Core Checking account beginning with your statement cycle that starts on or after XXXX XXXX, 2018. However, you can avoid this fee when you meet any ONE of the requirements shown below during each monthly statement cycle. Otherwise, the $ XXXX monthly fee will be deducted from your account. ''
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Earlier this year I wrote all 3 credit agencies to and sent them the paper work veryfying my information and all except 1 Trans Union continue to report this Tax Lien information on my report.
Consumer complaint received 2017-11-29
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)

On XXXX XXXX, XXXX Equifax admitted they had a breach more than a month prior to XXXX XXXX, XXXX. For 41 days my intellectual property ( IP ) were exposed to and was unaware of potential identity theft during that time. Equifax gathers personal private intellectual data also known as sensitive financial data on consumers payment history then sells that data to banks, insurance companies, potential employers, landlords, and government agencies in the form of consumer credit report. Better known as a credit report as a result of Equifax data breaches. The Fair Credit Reporting Act, 15 U.S.C subsection 1681 ( " FCRA '' ) is U.S. Federal Government legislation enacted to promate the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer complaint received 2017-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

After filing a complaint against FIFTH THIRD BANK I received a letter from the office of president by the name of XXXX XXXX dated XX/XX/XXXX stating that the information that was reported to a company called XXXX XXXX, and XXXX XXXX XXXX was removed. After verifying with XXXX XXXX on XX/XX/XXXX.  I am still in the system and the issue has NOT been resolved. I have contacted XXXX XXXX as stated twice and left a voicemail i have NOT received a callback and I have let the receptionist know that since she has not returned my calls I will be filing another complaint against her for lying and stated she has removed me from the reporting consumer XXXX XXXX.