davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-01
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. (FL)

On about end of  XXXX  of  XXXX  I order  XXXX  pairs of shoes fro m Macys.  I received  XXXX  pair only. I called them and they re order me the other pair. When I received them, they where too big. I returned them in the store located in  XXXX   XXXX  in Florida on  XXXX   XXXX  of  XXXX , I have a received from the store. I later get a bill statement from  Macys char ging me for this item. I called them and after abou t 15 mi nutes of listening to all these offers before getting an agent, I explained the situation to the agent. She said that I still owe the shoes, I gave her the number on the received and she had to call a supervisor to adjust my bill. They said that my balance will be adjust within 48 hours but that it will be on  XXXX  balance.   The following month I received another bill, I am upset at this time. I called again customer service and again afte r 20 mi nutes of offers, in this case I am furious how difficult it is to get through someone before listening to all these offers. I explained the situation to the agent, she was very polite but at this point I had no care for politeness, I want to speak with a supervisor because she was not understanding my problem. She explained that I owe the amount for what ever reason, I was not interests at this point, I wanted a supervisor, I gave her the name of the supervisor that I had from the previous call and that is when she put me on hold. she came back stating that there was a mistake and that they will adjust my bill and that my balance was  XXXX .   Again, this month I received another bill with late fees and all. I tried to call customer service, but it is ridiculous how you are placed to offers one after another, running my phone minutes. at this time I am done trying. I do not know what else to do or who to go to. Please, help!!
Consumer complaint received 2017-05-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (MO)

I borrowed {$500.00} from the company that advertises regularly on television called RISE. I paid them back  five m onthly at {$160.00} / month.   Now they want a further {$750.00} in " interest '' that was n't made clear to me at the beginning.
Consumer complaint received 2017-05-31
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On  XXXX   XXXX   2017 , I mailed a certifed return receipt letter to Equifax about a fraudulent collections account that was posted on my credit report by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  IL  XXXX .   This is a fraudulent collections attempt by this company, yet Equifax sent me lette r (  Confirmation #  XXXX   )  dated  XXXX   XXXX   2017  that they verified this information.     My complaints is that Equifax NEVER performed any sort of through research or investigation into this fraudulent account yet they keep this negative account posted on my credit report.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have three tax liens listed on each of my credit reports, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do n't dispute that they are mine. However, they are all paid/released, and marked as such in their status. Per the credit bureau guidelines, as they are paid/released, at a minimum the lien from XX/XX/XXXX should be taken off my reports, if not all of them. But they still remain on my reports. <P/>I 've tried to dispute them, but as they were valid liens, the dispute process results in the information being confirmed. It 's impossible to point out to the bureaus that a mistake like this exists. I 've bought $ 100+ of their products to do so, and have gotten no where in actually contacting a human to fix this error. <P/>Please assist, thank you. I can share a screen shot from a XXXX report that shows this information. That was another {$60.00} purchase which still did not give me direct access to a human to correct this error.
Consumer complaint received 2017-06-01
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. (FL)

I am a Victim of ID Theft and I am very concerned with XXXX and knowing that I filled a police report about all of the inquiries that XXXX  allowed on my credit file, over 100 inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to XXXX and my score is the lowest with this company. It is around XXXX and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

I sent all XXXX Bureaus a copy of my XXXX XXXX with instruction to pull all credit off my bureau ... My XXXX XXXX stated that I had NO debtors ... .The Bureaus acted like they did n't know what I was referring to, and still did nothing. I also sent your CEO the same inforamtion that I sent the Bureaus ... Certified mail!
Consumer complaint received 2017-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (VA)

I have me the requirements of the Homeowners Protection Act and my current LTV of my house is less than 78 %. I have informed the Mortgage holding company ( Cardinal Financial Company Limited Liability Company ) of this fact and the code requiring them to drop the PMI and they have denied my repeated request.
<P/>
They have told me that I must pay for an appraisal before they will drop the PMI. I have informed them that I am not required to submit a new appraisal based on the same section the code. It is listed under 12 US code section 49.
<P/>
I need help in getting this situation resolved.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One states I owe therm {$420.00} on a credit card that they state I opened in  XX/2014 . Which could not happen being, i lost my job in  XX/2014 .
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (NY)

Several years ago, American Express enrolled me in a " pay over time '' program in exchange for them giving me some quantify of Amex points, which are redeemable for certain benefits. I did not initiate the discussion about this program - my best guess is that it was a cold call or brought up in conjunction with a call to resolve an unrelated issue. At the " point of sale, '' I was told that this would not result in any additional charges to me as the consumer. At some point between XXXX XXXX and XXXX XXXX ( which is my best guess - and Amex has no record of when it was ), I realized that Amex had automatically been placing certain charges into this " pay over time '' category, and which led to the accrual of significant interest, whereas I would have just preferred to pay the entire charge at one time and avoid any and all interest. I was not told this would happen when I was enrolled in this program, as I clearly remember being told that no additional charges would result from this and that it was a great way to get more rewards points, which is why I should enroll. When I made the realization that the point of sale representation was false, I demanded that I immediately be disenrolled in the program, and on that same call I was told I was disenrolled from the program. Recently, I noticed the same charges on my card, reflecting that I had NOT been disenrolled as promised. When I called to complain, I was told that, in fact, I had never been disenrolled and was now enrolled in XXXX " pay as you go/pay over time '' programs, neither of which I consented to. Amex reversed the most recent charges, and I asked that an investigation be started to determine ( i ) why I had n't been disenrolled in the first instance, ( ii ) identification and reversal of all charges owing to this program, ( iii ) confirmation of complete and total disenrollment from any pay over time / pay as you go program. In the meantime, I searched my account records back to XXXX XXXX ( which is as far back as I could go on the Amex online system ) and saw that from XXXX XXXX to present, charges of more than {$1100.00} had accrued owing to these programs. After a two week investigation, Amex told me ( 1 ) they could not identify when I was enrolled ; ( 2 ) they could not determine if or when I was disenrolled ; ( 3 ) they could not determine the amount of charges at issue ; and ( 4 ) they could not determine how or why or when I was re-enrolled in the initial program or enrolled in a new similar program. Amex refused to take any corrective action because " there was a time when charges did not accrue, so you must have been disenrolled at some point. '' I requested the investigation be reopened and escalated, and was told Amex was unwilling to do so.
Consumer complaint received 2017-07-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (CA)

I have a {$1000.00} loan with Big Picture Loans, and I went online to my account starting on XXXX XXXX, 2017. The website said it was refreshing, and would clock and clock, never giving me the payment site. I tried another computer on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, and finally another one today on XXXX XXXX, 2017.
The website for payment has been down all this time, so I finally called today at XXXX XXXX PDT to pay off the loan. If I was able to pay several days ago, it would have been $ XXXX/-, today it is $ XXXX/-. This is because they can not process the payment until XXXX XXXX, 2017.
To me it seems like they have a scam going. Ca n't pay online, then when I do pay, it will be three days before the payment shows up. This is predatory lending at its finest. I want my interest back that was accumulated from XXXX XXXX - XXXX XXXX, 2017/ XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-06-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (IN)

In  XXXX  o f 2016, I tu rned in a lease with a  Honda dealer. The financing was done through American Honda Financing, and at the end of the lease, I released with Honda. At the time of this transfer, I was told that my two remaining payments on my old lease would be covered and I would not be responsible for this.       When I received a bill from Honda Finance with the end of lease balance, these two monthly payments were included on the bill. Instead of paying this, I tried to communicate my concerns with the dealership and with Honda Finance, but to no avail. They kept threatening that this would be reported as significant late payments on my credit, and kept trying to get me on a payment plan. I ended up making a significant payment with them and setting up a payment plan for the rest in the hope I would get it resolved before the next payment. I did not resolve the issue with them ever, as they kept giving me the runaround every time I called. I ended up paying off the balance in a settlement and the account was closed.      While this entire process was extremely draining, and I was very frustrated with the process and the outcome, the next issue involves their willingness to make any adjustments on my credit.     I went to apply for a home mortgage, and the lender told me these late payments were significantly  affecting my credit, as there was multiple occurrences of 30,60,90 days late while I was trying to work this out with Honda. I called Honda to try to resolve the issue and have them work with me on correcting these late payments on my credit report. Because I paid the balance and admitted this debt to b e mine, they would not adjust their report to the credit bureaus, as they took zero responsibility for this situation.     Their escalation specialists would not even put me through to  a manager, and I  had to call the next day and ask someone different to get me to their  manager.      He called me later that day, and while he asked me to explain what was going on, he became very rude in the end and told me while they did have the ability to adjust this on my credit, he had made his decision and would not be moving forward. There was a complete lack of respect for a borrower who has been with them for 7 years. Credit reports have significant impacts on people 's daily lives, and because they were not willing to relieve the simple late payment history on a one-time occurrence, they are hindering my ability to work on repairing my credit in order to purchase a home. I feel very trapped and taken advantage of.
Consumer complaint received 2017-05-30
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. (GA)

In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both  XXXX  and   XXXX   are refusing to remove this from my credit report.
Consumer complaint received 2016-08-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Oracle Financial Group LLC. (OH)

XXXX XXXX sold my payday loan to Oracle Financial. Oracle Financial used some illegal practices, first by claiming that Money Key had sued me for fraud ( they had not ), then trying to parlay the alleged Federal fraud suit to either collect the original total debt of about {$400.00} TODAY, or I could hire a lawyer and take my chances in Federal court and being stuck with a suspended drivers license, prison, property seizure, and/or garnished wages totaling {$1200.00}. The person I talked to in calling them back was especially aggressive with all this, and I hung up on him. I then called XXXX XXXX, which finally got me to an XXXX number for Oracle ( I assume that the first guy was also Oracle -- -they are XXXX in XXXX ). The first person I got in calling their XXXX number ( XXXX XXXX XXXX ) was helpful, but then I was transferred to others, where there was an attempt to say that I was someone named XXXX ( I am not ) and that I was in Texas ( I am not ). They also got huffy when I would not give them an alternate phone number such as my work number. Overall, Oracle was being extremely aggressive and appeared to not be terribly well organized. I hope I have not been scammed, and they really will properly collect the now-arranged for payments ( to be done in mid- and late XXXX ) and then leave me alone, ideally with a mailed receipt reflecting the discharged debt. I have put my bank on alert in case Oracle tries to make a collection in the next few days, which has not been authorized.
Consumer complaint received 2017-06-01
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: ENCORE CAPITAL GROUP INC. (NC)

I am filing a complaint with   XXXX   XXXX   and  XXXX . I have sent a tota l of six ce rtified disputes letter to all   XXXX    Credit Reporting a gencies since  XX/XX/17   . In the dispute letter I was  requesting an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature on it based on the FCRA. For every letter I have sent them I got a letter and a credit report back stating all items have been verified and belonging to me. They have yet to send me an original contract with my signature on it as I asked them to in the dispute letters. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required   to promptly delete all information which can not be verified. I have included all of the FCRA information above in the disputes letter only to receive a response back to say all items were verified belonging to me.  XXXX  of the accounts have been paid in full. There is also  XXXX  accounts on my report from the original creditor and they have been sent to a collection agency. So all  XXXX   Credit Reporting age ncies are reporting the original creditor and the collection company that they have been sent to which is illegal. The other accounts have been charged off and I asked to delete them or prove to me that they were mine by sending me the original consumer contract with my signature on it and they have failed to do. The reason they have failed to do so is because they do not have it and will not delete the accounts or the inquiries from my credit report. I have spent almost {$100.00} sending certified letters to them every thirty days after I got a response back from each dispute letter only to see nothing has been deleted.
Consumer complaint received 2016-03-11
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CASHCALL, INC. (UT)

i borrowed {$2500.00} from a payday loan company in 2014 but when I made the first payment, i came to find out that I was literally getting ripped off! I decided then that I will only pay them what i owed but now they have hired an attorney and yesterday, I had just been now summoned to pay {$2700.00} in return w/all the interests and attorney fees! I had already made XXXX payment of {$170.00} + {$75.00} = {$250.00} and that should be deducted from the principal amount!
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (NY)

I attended a technical institute in NJ and took out a loan thru XXXX. I was sent to collection. Transworld Systems Inc has sent me an attempt to collect a debt. I am trying to pay my debt of {$10000.00} but they are charging me {$2600.00} as a collection charge. That is nearly 25 % of my debt. This seems outrageous for a struggling economy to charge that much.
Consumer complaint received 2017-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

I had noticed that XXXX XXXX added a {$380.00} charge from capital one on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital one on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital one account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital one! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.
Consumer complaint received 2017-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Previous complaint number XXXX. Filed XXXX XXXX, XXXX. The company has responded to the complaint the following : In response to your complaint, Portfolio Recovery XXXX, LLC ( XXXX XXXX investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. XXXX purchased the XXXX  XXXX Bank XXXX XXXX XXXX, XXXX. XXXX " XXXX XXXX '' ) XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$560.00} was due on the account at the time of XXXX XXXX purchase. XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. XXXX has received and responded to several disputes. In response to XXXX of your disputes, XXXX previously sent you the attached letter containing validation.
Consumer complaint received 2017-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (SC)

Department of labor sent me a direct deposit. To my checking account keybank closed my account.i been trying to collect my balance for three months everytime i call keybank tells me that they dont have to talk to me.i just want my money.my account didnt have a negative balance .i dont understand i just want my money.