davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

On XX/XX/2018 and XX/XX/2018 per Fair Debt Collection Practice Act, Section 809 Title 15 U.S.C. 1692 request Portfolio Recovery Associates validation of this alleged debt. PRA claimed they validated this account. I never been notified of this collection, I had to pull my credit report and found this collection on my report. I submit a complain with CFPB about the company not validating account. PRA state they have no record of a response or a dispute being received in relation to its initial notification letter. I sent two validation letter and they didn't sent a respond within the 30 days of receipt.
Consumer complaint received 2018-10-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (CA)

I returned a vehicle to GM Financial. GM Financial charges me {$180.00} in late fees even though I always attempted to makemy payments on GMs website on approximately the same day, within the grace period. 

GM Financial is also reporting derogatory information to credit bureaus concerning this account. 

GM Financials website experienced significant problems, and GM indicated that it would waive late fees and delete derogatory credit information due to customers inability to make a timely payment. 

Nevertheless, GM Financial has refused to waive these late fees and has refused to correct erroneous credit reporting on this account.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I have tried to remove my inquires that where done by some scammer or something i still dont know but I have 71 inquires on my credit report and the only ones I acknowledge is XXXX. I have spoken with Experian and they tell me to write the creditors but they refuse to delete them even after I have told them multiple times it wasnt me.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This is a follow up to investigate and correct the following inaccurate items from my credit report issued by credit reporting agencies. The items must be removed to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As Required by the act i demand you re-verify these items and validate these are my debts and that the inaccurate items will be deleted from my credit report. The attached documents from my credit report prove inaccuracies with payment dates and payment history on closed accounts that are also showing up as a collection account on my profile. Can these accounts please be validated so i can fully understand these tradelines. 

XXXX XXXX XXXX XXXX {$6100.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$9800.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$6100.00} opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$470.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10.00} opened XX/XX/XXXX
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2016, I requested a credit report from Transunion. Without my knowledge or consent this signed me up for a $ XXXX/month 'credit monitoring ' program. I never signed up for this. Every month {$21.00} has been taken from my account for a service I do not use nor ever singed up for.

I spoke to their representatives who said they could only reimburse me for the past three months. Their emails went to my spam, and I didn't notice the {$21.00} charge until this month.

I can't imagine anyone would knowingly sign up for a {$21.00} monthly charge to 'monitor ' their credit report when they could just freeze their account. This is totally absurd and has cost me over {$500.00}.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines
Consumer complaint received 2018-10-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

In XX/XX/XXXX, I paid XXXX XXXX for XXXX imaging services performed on XX/XX/XXXX. The amount paid was {$930.00}, the amount due and owing. My insurance company at the time, XXXX XXXX XXXX XXXX of Georgia, paid the hospital {$4900.00} for a total paid and allowed as {$5900.00}. Discounts negotiated between XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ) were expressly stated as {$6600.00}. The total cost of the service was {$12000.00}. Now in XX/XX/XXXX, XXXX XXXX billed for amounts identified as the discounts in the XX/XX/XXXX billing statement dated XX/XX/XXXX. It is well over a year later, and XXXX XXXX somehow adjusted the discounts afforded XXXX in XX/XX/XXXX and billed me for {$3400.00} in XX/XX/XXXX. I wrote a letter requesting the contract and pricing schedule related to XXXX XXXX services which allows for XXXX XXXX to bill for these amounts that were contractually negotiated as allowed discounts for XXXX  subscribers, and my letter was ignored and my account placed in collections with XXXX XXXX XXXX. I asked the collections firm for the documents I requested that would be found in the services agreement, and they stated that I should take the matter up with the creditor, XXXX XXXX because I have all the documents I am suppose to have. Since this verbal request to XXXX XXXX XXXX, I requested debt validation from XXXX XXXX XXXX and made a second attempt for production of documents from XXXX XXXX related to the contract which allows for the disallowance of contractually negotiated discounts for XXXX subscribers. 

This is not right and makes no sense. My account was paid with no balance due, and now I am in collections with a third party collections agency because XXXX XXXX fails to be transparent about discounts no longer afforded to me as a XXXX subscriber over a year later. XXXX has sent me another explanation of benefits dated XX/XX/XXXX which states the same discounts and allowances as my explanation of benefits dated XX/XX/XXXX. Both XXXX explanation of benefits summaries reflect the totals outlined above with my patient total stated as {$930.00}. 

Please request the documents I am not able to receive from XXXX XXXX so I can resolve this collections matter which is an amount I definitely dispute as not due and owing well over a year later. I have requested these contractual documents from XXXX  and awaiting a response.
Consumer complaint received 2018-10-08
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. (IL)

XXXX XXXX XXXX Total Card Account # : XXXX XXXX XXXX XXXX In reviewing my payments and credit report , I discovered Total Card , Inc. ( XXXX XXXX that is now XXXX XXXX XXXX ) is incorrectly showing reports of late payments in the following months : XXXX AND XX/XX/XXXX. 

Back in XXXX, I switched over and applied for automatic payments with their system at the time ( vs my bank ), but they had NOT taken effect unknowingly due to some system upgrade or glitch they had with taking automatic payments on a long-term recurring basis. They admitted to this fact at the time. I had since corrected this with XXXX XXXX at the time, got refunded fees, and have since paid automatic payments through my bank on time. However, this information is still incorrectly reporting on my credit report. 

Ive spoken with the bank about this in the past on a plethora of cases. I've written, called, faxed, and disputed with EACH credit reporting agency several times over the past few years but to no avail. 

In my last attempt, XX/XX/XXXX, I was misled in believing another " review '' was going to be done. I then received a letter that claimed they reviewed the very same day, but they provided no details into what was checked or what research was done. The letter was dated the same day as my follow-up call. 

Based on my last conversations with Total Card, they confirmed that they are NOT doing a real investigation. They are only looking at what the system says ( which is wrong ), and simply passing that along as their " review '' to the credit bureaus. They are NOT interested in reviewing the accuracy of their own system or happenings ta the time of my dispute. 

As a very last straw for me, per my conversation on XX/XX/XXXX, their supervisor ( " XXXX '', Badge ID XXXX ), stated they looked at my statements from XXXX and then just submits that as a review. In the same breath, when I ask him for my own statements to counter their review, he states they can not guarantee to provide this information and even attempts to tell me that if they do, it will cost me {$3.00} per statement to provide. He is telling I will have to pay for statements, that they MAY or MAY NOT provide, that is also INCORRECT, yet was claimed this is the very information they used for their " review ''. 

I have tried to diligently work with the credit servicer, but I now strongly believe they are not taking my issue seriously, and giving me the runaround. These incorrect strikes on my credit report are hindering me from getting the financing/rates I should. This is brought up every time I apply for financing or credit.
Consumer complaint received 2018-10-09
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: CITIBANK, N.A. (CA)

Citi bank sent me a new credit card without my permission, and that card was stolen and I was charged {$5000.00}. I asked Citi many times to cancel my card which they did not do, and Citi took money out of my checkings account to pay for these charges, and they are refusing to refund the money.
Consumer complaint received 2018-10-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (VA)

I applied to change my income based payment plan on XX/XX/2018 from the IBR plan to the revised pay as you earn plan. This would significantly lover my monthly payment ( about {$100.00} less a month ). I was told I would hear back from XXXX XXXX by the XX/XX/XXXX with a decision. Since I hadn't heard back from them I called on the XXXX to see what was going on. I was told the application was in process and that it should go through in the next few days. 

As of XX/XX/XXXX I still hadn't heard anything so I called again. This time I was told that the application had a note requesting it be looked at now. That note was placed on the XX/XX/XXXX. I was also told that it could be several months before the payment plan is switched. I made sure I did this with plenty of time before my student loans became due as they were in forbearance until XX/XX/18. I also requested a due date change and was told that would take affect when the new payment plan went into effect. The current payment owed is {$300.00} a month and the new payment plan would bring it down to about {$200.00} a month.
Consumer complaint received 2018-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Citi Locked my account XX/XX/XXXX for claiming I mailed them a fraudulent check and would not allow me to close my account or receive my money. I spoke to over 10 representatives between phone calls, in person ( XXXX XXXX Branch ), and in chat - none of who knew the issue or could/would help. Though nobody knew anything, I was regularly given the date " XXXX '' to call back and my account could be closed. I called back XXXX, and was told to call back XXXX. I called back XXXX, and was told I had to go to a branch. I went to a branch, and the Representative - XXXX - said that was very odd and assisted in re-verifying my info and would follow up that afternoon. He did not, and I filed a complaint with the CFPB. It wasn't until several days later he insisted on calling instead of email to tell me my account was being closed that day and I'd have a check next week. 

In this time, I received an official letter from Citi in response to my CFPB claim stating if no action was taken, my account would be automatically reviewed and closed on XX/XX/XXXX. 

My account was never closed, and that check never came. 

Before I left the country, I called Citi one more time and also emailed XXXX to help close my account while I was travelling, hoping I would have my own money back. I returned, and none of this had happened, and nobody would assist me in doing it. It is now XXXX, and Citi has constantly lied to me on my closing dates and is holding my money hostage - completely unwilling to do anything to make it right. I have never even heard of worse customer service in my life, and nor has anyone I told.

I'm now forced to carry large balances on my credit cards because nearly all the money I tried to open my checking account with was used for my living expenses such as rent, food, and electricity. This has caused me an immense amount of stress and costs since I have no cash to pay my bills. Citi has lied to me on numerous occasions - one in writing - that they would refund my money, and their reps constantly pass me around their call center or don't understand the issue.
Consumer complaint received 2018-10-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (OH)

There was a mortgage on my father 's home and he passed away in XX/XX/XXXX.The probate administrator handling the estate has been very hostile and not very transparent with the heirs.The heirs only learned recently that we had the option to take over the payments .What Garn means : XXXX XXXX XXXX  Guide 408 recognizes this legal reality, calling for non- qualified assumptions for widows, heirs, divorcees. 
The heirs were never given a chance to negotiate for the home, the few times we talked to Seterus, they wont speak to us unless we had an attorney, why.We are the heirs and want to keep the home.I filled out an loss mitigation package and send it to the XXXX XXXX  XXXX XXXX back in XX/XX/XXXX, and to this date never received any other info.We have rights and this lender wants to take our home without giving us the option to negotiate for it.We are not responsible for the negligence caused by the court appointed administrator and only want to talk to seriously keep the home.
Consumer complaint received 2020-03-30
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. (SC)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

XXXX 11 XXXX XXXX XXXX ACCT # XXXX {$610.00} 11 XXXX ACCT # XXXX {$260.00} 11 XXXX XXXX ACCT # XXXX {$1900.00} 12 XXXX XXXX ACCT # XXXX {$2900.00} ALL INQUIRIES EQUIFAX XXXX ACCT # XXXX {$1900.00} XXXX XXXX XXXX XXXX ACCT # XXXX {$1500.00} XXXX, XXXX ACCT # XXXX {$260.00} XXXX XXXXT ( XXXX ) {$1900.00} XXXX XXXX XXXX ( XXXX XXXX ) ACCT # XXXX {$610.00}
Consumer complaint received 2018-10-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IA)

On Friday the XXXX of XXXX, I applied for a loan for {$10000.00} through One Main Financial in XXXX Iowa. I spoke with XXXX at that office and he requested specific information which I provided. He then asked for various documents which I had to wait until Monday ( today the XXXX ) to provide. When he spoke with me on Friday, he informed me that I was approved for a slight amount over {$6000.00}. When I spoke with him today enroute to XXXX to which I was led to believe was to sign the documents, he informed me that I was not approved due to my alimony not being permanent for the stated amount for 2 years. I was not informed of this when I applied for the loan. My alimony MUST be continued for at least two years. To me this is discrimination. 
Additionally, when I spoke with the XXXX office today, I was told that I could use my fianc as a co-signor on the loan and then I was turned down there also due to his recently having completed bankruptcy although his credit score is in the lower fair range. 
I am also filing a complaint in that every loan application I attempted to complete today redirected my application directly to ONE MAIN FINANCIAL. I checked the XXXX XXXX website and it automatically shows One Main Financial. When I went to other loan companies, including XXXX XXXX, I was automatically redirected to One Main Financial. 
I feel that this is a blatant false and misleading representation by One Main Financial. I also believe that they are intentionally misleading the consumers in their manner of using other companies to direct them to their company and also in the methods they are using to decide the approval or disapproval of loans to certain people. I am divorced and rely strictly on my former husbands alimony and half of his social security of which I presently have to pay almost half of that towards my Medicare cost for the next year. 
I would appreciate anything your organization can to do determine and receive a complete and transparent reply from One Main Financial as to WHY they are using other companies to lure consumers to their website only to be strung along thinking they will be receiving their loan ONLY to be turned down upon submission of the paperwork as requested. 
To submit all of the paperwork, I spent over XXXX in fax charges that they did not offer to reimburse me for after denying my loan request AFTER I was approved on Friday. XXXX DID NOT TELL ME it was PRE-APPROVED, he simply asked for the paper work for their records. This was heard on the speaker phone by my fianc who lives with me. 


XXXX XXXX
Consumer complaint received 2018-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

Hello, Thankfully, this is NOT a complaint. I have recently received my credit report ( Equifax ) and noticed some discrepancies. I realize this information does not affect the credit score, but for accuracy 's sake, I'd like to humbly request the following updates/corrections : 1. Resident issues : * I currently live at XXXX XXXX XXXX, XXXX, AL XXXX * I have never lived in Virginia. The address of XXXX XXXX XXXX XXXX, XXXX, VA XXXX does not belong to me. I'd like this cleared to protect from possible ID theft. 
* I do not identify the address in XXXX, FL " XXXX. '' I have never lived in this area of XXXX. 

2. Work history corrections : * I currently work at XXXX  ( XXXX ) ; not XXXX  XXXX. Additionally, when I did work at XXXX  XXXX my position was XXXX XXXX XXXX/XXXX XXXX. 

You may believe that since this will not change the score, it is not prudent to correct. I beg to differ and humbly ask that these corrections be made. I appreciate you assistance in advance and respect your prudence in assisting this consumer. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

on XX/XX/XXXX I signed in to my checking account via my PC and saw that my recent transactions were not showing I called customer service XXXX agent told me I did not know how to use the online account page ( I have been using it since the online version originated ) I asked then for technical support instead the agent put me through to another agent that told me that transactions do not post on weekends then, later, I saw that my mobile app WAS UP TO DATE WITH ALL TRANSACTIONS ... ..I wrote to Citizens and they could not explain that ... .told me to take screenshots ... .I DID NOT ... .there appears to be a problem at the bank because their stories and explanations do not match reality ( and this is the first time I noticed this issue... except when the account has a banner explaining " DOWN FOR MAINTENANCE '' ) Since some transactions showed up in my savings account online but other transactions for my checking account did not show up concerns me regarding accuracy of my accounts. then the mobile account had more current information and, according to Citizens customer service, the online account and the mobile app are supposed to be the same. SO I AM NOT GETTING THE CORRECT " STORY ''