davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-28
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: Atlanticus Services Corporation (CA)

I had lost my job or actually laid off on XX/XX/XXXX. I had signed up for the protection on my credit card. I reported it to the company was told I would get paperwork. In two weeks now XX/XX/XXXX I call them back, stated that they were having problems. I guess they were being bought out or changing banking companies. No paperwork nothing. At the end of XXXX about the XXXX XXXX. I received a bill that had we ate informing you about new bank. Now I receive a thing typed on the billing statement my acct closed yet I am back to work XX/XX/XXXX and making payments now I brought acct under credit limit and I go to use card told its closed I said cant be well I printed out what I have as far as credit and it shows my acct is open yet I cant use it yet it states my available credit is. So they lied.
Consumer complaint received 2017-04-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ACIMA CREDIT, LLC (PA)

I am being charged a late fee o f $ 700+ d ollars by a loan servicing company by the name  of ACIMA whi ch was formerly known as   XXXX   XXXX  . I signed legal documents authorizing this company to take out automatic payments every other week of the amount of {$100.00}. However when it was time for the 90 day buyout option for my furniture I was misinformed by a representative and charged a late fee. No where on my contract does it say I was to call this loan servicing company authorizing a final payment I already signed a legal document for.
Consumer complaint received 2021-12-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

I had tried to recover funds sent to a merchant who has failed to provide me with items/ products... I filled 2 disputes and submitted evidence of 22 pages, containing murderous statements from the merchant and threats to my life if I tried to get my money back... He sent me tattoo photos of his body of XXXX like XXXX or XXXX and others .... all of which td bank knows.. So their reply after closing it twice is I should deal with the merchant HERE IS WHERE THE BANK MADE ERRORS they are suppose to send me a letter but instead took XXXX ut on the XXXX of dec.. a day after my bday... they took my bday money my father just sent me They never alerted me that they would remove the funds and they closed the case. They never sent a letter stating their choice or the outcome of a dispute ON MY ACCOUNT... They called the cops on my after I said they must be okay with XXXX since they want me to visit a XXXX to get my money back and that the bank is being negligence by not keeping me into the mix with a dispute If they closed it in XXXX and XXXX due to not enough information then why didnt they reach out to ask They said they would call Hey never do I have to call to request a call back Horrible service and the government should get the recording You'd hear how much suffering this bank has caused me I had felt like a fugitive for having been a victim of a scam and my bank is turning their back and not taking responsibility to help me fight this other TD customer for my money back It is federally illegal to charge consumers for products/ services NOT provided I wrote this 2 times by hand to them. The individual also told me on the phone from td that the federal laws do not apply to me... she is willing to deny me my civil rights
Consumer complaint received 2021-12-31
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX and XXXX of 2021 a car dealership ran my credit multiple times and in some instances to the same creditor. I was very detailed in my request to only have my credit run only once and for a specific bank only as i already had the approval number from that bank that i had gotten prior to going to the dealership. I reached out to the credit companies and they advised me to contact the FTC. 

Capital one finance- XX/XX/2021 ( twice ) XXXX XXXX XXXX XXXX XXXX ) XX/XX/2021 XXXX XXXX XXXX ( XXXX XXXX XX/XX/20XXXX XXXX
Consumer complaint received 2019-02-15
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: CITIBANK, N.A. (TX)

I have two names : XXXX XXXX XXXX on one social security number. I complain to the CFPB last year : XXXX { XXXX } I was told by the FTC to explain this to Citibank with documents to prove this federal offense against me. 

The city of XXXX has caused this federal offense also XXXX  data breach has ruin my credit worthiness. 

I've never own a credit card & has been taking out of the work force, college in XXXX XXXX 2011. 

Citibank denied me two without verify of my identification theft, disgrace.
Consumer complaint received 2017-03-19
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: CRESCO CAPITAL INC. (MD)

I purchased a Tractor in     XXXX   2016     and have been making monthly payments of {$1300.00} every since. I had an ez-pass that I did not know was n't working. As a result I incurred a lot of toll fees that were sent directly to my lender, Cresco. The lender, Cresco then sent those fees to me with an extra {$30.00} attached. Cresco said the {$30.00} fee was their fee for paying my tolls.   On top of all that, just this month, I received more tolls ( {$900.00} plus ) which I paid directly thru ez-pass. Now  Cresco  is asking me to pay again. They said I have to pay them because they have to dispute my payments with ez-pass I explained to  Cresco  that these bills have already been paid and they are still asking for more money and will take this money directly out of my account. They could also repo my tractor if I do not pay, so I have paid everything and am looking to be refunded.
Consumer complaint received 2019-02-15
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. (OH)

I did not open this account. My ex wife opened it in my name. XXXX and XXXX have investigated and deleted the account however Equifax will not. This is causing me to not be able to get a mortgage
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

I had a mortgage with Citimortgage issued in XXXX which I refinanced with them in XXXX. At the time, I had just come out of a Chapter XXXX bankruptcy. The mortgage was reaffirmed and paid directly. The account had never been late. At no time was it included in the Chapter XXXX plan, nor could it have been, given that the law does not allow secured debt to be discharged in bankruptcy. A mortgagor should know that. 

When I refinanced in XX/XX/XXXX, Citimortgage paid the XXXX mortgage off when it closed on the refi. Given that they were the originator of both mortgages, there shouldn't have been any question that the status of the XXXX was anything other than " closed, paid or paying as agreed '' ; nonetheless, Citimortgage reported to all three credit bureaus that it was " included or discharged in Chapter XXXX. '' I contacted Citimortgage to ask for a correction in XX/XX/XXXX, and they confirmed the error and stated that it would be corrected within 30 days as required by FCRA. This did not happen. 

I applied for a new mortgage in XXXX, XXXX and learned that the information was never corrected. I then filed disputes with all three credit bureaus. They corrected the information with XXXX and changed the status to Closed, " paid or paying as agreed, '' and stated that they were correcting my record with XXXX and XXXX. 

In late XXXX, XXXX I discovered that the information had never been corrected with XXXX or XXXX so I contacted Citimortgage again, demanding that it be corrected within 30 days or I would file suit under FCRA. They sent a letter on XX/XX/XXXX again confirming that the information was inaccurate and would be corrected. It has now been 30 days and nothing has been reported to the credit bureaus. 

As Citimortgage clearly has no intent of correcting the information they were required to report more than one year ago, government action is needed. Please open a file and demand that the information be corrected immediately. I will separately be pursuing a suit under FCRA, but I would appreciate it if you could have the information corrected in the interim.
Consumer complaint received 2017-04-10
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HONOR FINANCE, LLC (IL)

i made my car note payment on the XXXX of XXXX about the XXXX of XXXX I along with the Account holder started getting calls about the payment we were told that the payment was decline, I explained that the transaction was ran twice approved the first time and declined the second time I was asked to fax my bank statement to there office I did that, a few days later more calls came in again I explained my situation about the payment ( this is a different person ) I was told that the fax was not able to locate it and ask to fax it again I not only fax it I hand delivered a copy to the XXXX office, again a few days later more calls came in this time I 'm talking to XXXX I was told by here that I have been very uncooperative! now she 's asking to speak with my bank because I do n't know what I 'm talking about and get off the phone! so I ask XXXX who would you like to speak to from the bank im standing in the bank now? mind you I 'm standing in the tellers window with the teller and Bank manager so I ask again " XXXX who would you like to speak to from the bank I 'm in the window now? she stated " get me someone that knows what there talking about! I ask who XXXX would you like to speak to she either hung up on me or just refuse to talk I kept saying hello XXXX 5 times she never replied so I hung up and called back, then she started shouting I hung up on her, by now the Bank manager suggested that XXXX call her direct? XXXX stated she could n't call the bank and the manager of the store said she could n't talk on my phone, so I ask XXXX what do you want me to do you cant call and she cant get on my phone? at this point XXXX decided she would call the Bank which is illegal, after XXXX spoke with the Bank Manager about my account she ask to talk back to me when I get on the phone now XXXX is asking for my Credit card information Card number expiration date and security code which is totally unethical. then I spoke with several other peoples from Honor Finance and no one could find or figure out what happen to the payment, after I gave all my CC info I was told by XXXX she would call me and the bank to inform us on the status of the issue this was on or about the XXXX 2017, after speaking with XXXX a few days later I got a call form a manager XXXX? I explained to him the situation he began to laugh! I ask was it funny he stated he 's not laughing at me but at what I 'm going thought so it let me know that the treatment I 'm getting is really a practices no one took the time to find the payment but everyday I was receiving calls about the payment from at least XXXX different employees of Honor Finance.
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (PA)

On  XXXX / XXXX / 16 , I was referred to  XXXX   XXXX   XXXX  to have a   XXXX   XXXX   taken, The sample was then sent to  XXXX  for analysis despite the fact that  XXXX  was not in the network of outpatient testing facilities. The sample should have been sent to  XXXX   XXXX .   I am currently been threatened with adverse collections and credit reporting.
Consumer complaint received 2017-04-06
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Resurgent Capital Services L.P. (NY)

My wife and I recently applied for a home equity loan at our local credit union and our home was reappraised for the loan. The title company notified the credit union that an abstract of judgment was placed on our property for the amount of {$32000.00}. I notified the credit union that it was not ours but we still got the loan.The credit union gave us the docket number in the Supreme Court of the State of New York , County of XXXX New York. We got a copy of the docket and found it was not ours. It turned out to be my son 's outstanding debt for a camping trailer that he and his fiance purchased, they broke up and within a week she took possession of the trailer, sold it signing his name. The address listed on the docket was his address not mine and of course the social security will be different. The process server served a white female approximately XXXX to XXXX years old at his address. We have not had contact with my son in years and really do n't care where that goes. All I need is to get this judgment off my deed. I know it will go away in a few years if not paid but at our ages we can not wait. I am XXXX years old and do not need this XXXX.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My wells fargo bank account was hacked by unknown stranger on XXXX and they pretended to be me last year and XXXX their own bank account over XXXX dollars. XXXX while i was not notified until an hour after stolen from I was not able to pay my bills or rent i needed to borrow money to cover my costs it took wells fargo over a month to send over my wrongfully taken money and it was a credited to my credit card not to my checking account
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit 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. (AL)

I filed a dispute with the credit card company in question regarding a purchase of a defective product. Credit card company supposedly investigated my issue in 2 days. I am not satisfied with the outcome of their investigation and requested and appeal to the decision. The bank in question is refusing to reopen the investigation so I can appeal their decision.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On Thursday XX/XX/XXXX, someone got a hold of my debit card number and pin number. They wrote my debit card to a XXXX XXXX device and went into a Wells Fargo Branch. They used the tap function of the debit reader at the teller, and input my pin number. They then withdrew XXXX dollars, and purchased a bank check for XXXX dollars. After XXXX business days, Wells Fargo credited by my XXXX dollar fraud claim, but denied the XXXX dollar fraudulent check claim. Someone who was not me got my money from the company that is supposed to keep it secure, and at no point was their identity properly verified or the transaction seen as strange.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and their investigation did not fix an error on my credit report
Consumer complaint received 2022-10-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

My lender has instituted a monthly " convenience fee '' every time I try to pay my loans. The only option to not have to pay said " convenience fee '' is if I enroll in their autodraft program, but when I attempt to do so, their website says my loans are ineligible. I have been paying my loans in a timely manner for 8 years and do not understand why I am now being penalized for attempting to continue to do so.
Consumer complaint received 2018-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (AL)

Payments was made to selene as always. I made 4 payments in one month XXXX. Also in XXXX made 2 payments this was to applu for the month of may and  XXXX. I also made a payment in may that was informed the shortage due from escrow analysis and if paid in full monthly rate would not increase. Selene shows no  payment activity document med feom XX/XX/2018 to XX/XX/2018 in which the state I am two month behind. The payment was not received despite it being documented on the mortgage statement they mailed. They have XXXX unaccounted for that keeps getting reversed appled to escrow now showing fee changes and fines. Which are under dispute. They to this to scare me with an intent to accelerate notice today. Refuse to return call. Or respond respa any further that acknowledging the document was received. They have violate my rights and livelihood intentionally refusing to correct this matter that shows evident on their statement that the funds wss received. I have contacted an attorney but this Is still my responsibility to ensure action is being taken to correct this. Havoc and moral turpitude exhibited causing my family a hardships in several ways
Consumer complaint received 2018-08-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

On XXXX XXXX I sent a letter to XXXX XXXX XXXX   Experian, XXXX  and XXXX Disputing a debt in the amount of XXXX. All letters were sent Certified return receipt. As of this writing, I have not received one letter from XXXX. ( 5 ) months. I called multiple times and was transferred to ( 3 ) Collection agencies that could not find my account. I strongly maintain that I do not owe XXXX XXXX XXXX XXXX dollars. 

Letter 1 XX/XX/2018 Letter 2 XX/XX/2018 Letter 3 XX/XX/2018 Letter 4 XX/XX/2018 Letter 5XX/XX/2018
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-12-17
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)

im am writing in regards to XXXX reporting inaccurate information on my credit report. i have no acknowledge of the XXXX account that they are reporting.i demand that they remove that derogatory account from my report on the grounds that they are in violation of the FCRA
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX