davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (WV)

We have a Barclays Bank AAAdvantage Credit card. Our monthly payment is due on the XXXX of the month. This past week I received our regular email notice of a payment coming due. The email stated this, " Your AAdvantage Aviator Silver World Elite Mastercard account payment is due on XX/XX/XXXX. 

To avoid being charged any late fees or additional interest, your payment must be received by XXXX XXXX   ET on XX/XX/XXXX. 

I doubled check my bill and it is due on XX/XX/XXXX. I contacted the customer service department and was told yes my payment is due on the XXXX. 

My complaint is, why did Barclays wrongly threaten me with fees and interests payments, do they do this every month to everyone?
Consumer complaint received 2020-09-30
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. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME DISTURBING ENTRIES REPORTING ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS NOT RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT AN INVESTIGATION TAKE PLACE ON THE ACCOUNTS AND INQUIRIES SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MAS FINANCIAL SERVICES, INC. (CA)

XX/XX/XXXX PURCHASED USED XXXX XXXX XXXX FIRST PAYMENT WAS NOT DUE UNTIL XX/XX/XXXX XX/XX/XXXX MY ACCOUNT WAS FLAGED AS 30 DAYS PAST DUE AND NOW ON MY CREDIT REPORT IVE SUMMITED PAYMENTS AND SPOKE TO CUSTOMER SERVICE BUT ISSUE WAS NEVER RESOLVED. 

THEY THREATENED TO " REPOSSESSE AUTO AND DEMANDED PAYMENT OR ACTIONS WILL BE TAKEN '' NOT GIVING ANY CHANCE TO SAY I HAD JUST HAD MAJOR XXXX. 
( PAYMENT WAS PAID ) I PAID EACH MONTH AND HAVE RECEIPTS AND PAYMENTS WERE NEVER APPLIED TO ACCOUNT. 

EACH MONTH THEY BILL ACCOUNT FEES FOR UNKNOWN REASONS AND MY ACCOUNT BALANCE IS MORE FROM 2 YEARS AGO. 

{$6900.00} XXXX / {$8600.00} XXXX XXXX REPORTING FOR INSURANCE THAT RESOLVED IN SUSPENSION OF REGISTRATION
Consumer complaint received 2020-10-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (DC)

Hello, I paid off my vehicle loan ( XXXX XXXX XXXX, XXXX ) with Honda Financial Services on, or around, XX/XX/XXXX. As of the date of this consumer compliant, I have NOT received my vehicle title from the aforesaid lender. I did receive a letter from the lender, dated XX/XX/XXXX, indicating that they received my final payment and that they will now consider my account paid in full. Ive called the lender numerous times regarding this matter only to be put on hold for more than an hour and a half! The extended hold time is probably due to the pandemic, but the lender offers no other viable alternative for me to address this matter ( i.e., email, direct messaging capability, etc. ). The emails from me that have been sent through the lenders web portal have been unanswered. In addition, I was ( finally ) able to connect with one of the lenders call center representatives on XX/XX/XXXX, and he advised that the lender had an incorrect borrower address on file, which did not make sense given that Ive received alternate correspondence from the lender in the past. That call center representative confirmed that he corrected the address and that I should be receiving my vehicle title in the mail within the next 5-7 business days. Thatunfortunatelyhas not occurred and Ive exhausted my options on obtaining the proper documentation for my paid off obligation with the above-mentioned lender. Your help on this matter is greatly appreciated. Thank you.
Consumer complaint received 2020-10-13
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi, I am having trouble resolving a matter with Capital One Credit Card. I have their XXXX XXXX since 2017 and never had any issues before. I purchased something back in XXXX this year from an online merchant. It was a poster. The poster arrived ripped and it wasn't even the poster I ordered. I tried contacting the merchant several time before disputing the charge with my capital one. At first Capital One gave me a temporary credit but a couple of months later they applied the charge back on my card without based on inadequate response received from the merchant. Subsequently on approx XX/XX/XXXX I spoke with a Cap One representative who advised me on how to submit a statement explaining the issue for them to pursue this dispute. I was sent an email with a link to upload my hand written statement. I did as I was advised. On XX/XX/XXXX, I followed up with Customer Service and was told they wont be pursuing this dispute. They gave me confliction information. At first they said I was late in submitting my response then they explained a requirement with is practically not feasible. I spoke with two different supervisors and 2 diff reps over the span of 45 mins. The disputes supervisor Mr. XXXX ( ee id - XXXX ) was the one to provide info that I believe was inaccurate. Either way, he refused to help resolve the matter. In the end, I still haven't received my money I paid for something that was wrong and damaged merchandise.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (VA)

I pulled my XXXX XXXX  and I seen there were some accounts that were not mines and need it removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 I ( a ) ], these disputed items must be investigated or deleted from my credit report record within 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to debt validation constitutes collection activity. I am also requesting my name and correct address and telephone number updated every move any other name and addresses and telephone numbers that do not belong to me I have reported my information the OPT in OPT out. The following account in dispute are listed below JEFFERSON CAPITAL SYSTEMS I have contacted them and stated I never paid nor requested items from that company they provided me with a bill which proves I never did business with them it's a bunch of miscellaneous charges I will post document below
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transfinancial Companies, Inc (LA)

I SENT 2 LETTERS TO XXXX  ON THE XXXX AND XXXX OF XXXX, WITH NO RESPONSE CONCERNING THE INACCURATE ACCOUNT OF TRANSFINANCIAL , INC.THIS HAS BEEN A STRESSFUL PROCESS WITH NO HELP IN THE MATTER.TRANSFINACIAL ARE REPORTING DUPLICATE ACCOUNTS WITH XXXX   AND THEY WONT REMOVE THE ERRORS.I HAVE ATTACHED THE COPIES OF THE LETTERS BELOW
Consumer complaint received 2020-10-13
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (OH)

Back in XX/XX/2019 I started receiving collection phone calls and notices from National Credit Adjust ( XXXX ) XXXX for a debt in the amount of {$1500.00}. This is being reported on XXXX, XXXX, and XXXX. I also received a collection notice for the same debt from XXXX XXXX XXXX asking me to settle this debt. I wrote to National Credit Adjust asking for verification for this debt. They never responded to me. It appears as though 2 different creditors are trying to collect from the same debt.
Consumer complaint received 2020-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (NC)

CBE Group contacts me daily regarding an account that has already been resolved as identity theft through XXXX XXXX. Someone located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NY has committed identity theft using my name. I have repeatedly asked CBE Group to stop calling or to send me something in the mail. They keep talking over me and ignore my requests. I have contacted XXXX XXXX and asked them to notify CBE Group and XXXX XXXX has assured me that they will resolve the matter, yet I still receive the daily calls from CBE Group.
Consumer complaint received 2020-09-30
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: WELLS FARGO & COMPANY (FL)

CLAIM NUMBER XXXX XXXX XXXX FICTIOIUS INTERNET FICTIOIUS PERSON NAME XXXX XXXX {$110.00} WAS WITHDRAWN FROM MY WELLS FARGO DEBIT CARD CLAIMANT DID NOT DO ANY TRANSACTION DIRECTLY WITH XXXX XXXX XXXX XXXX DOES NOT HAVE XXXX ACCOUNT AND IS NOT A REGISTERED USER CLAIMANT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Phone XXXX XXXX XXXX Bank Wells Fargo CLAIM NUMBER XXXX
Consumer complaint received 2020-09-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

As part of opening a HELOC, TCF Bank claims that they sent me a check for {$8400.00}, which I never received. I requested that they stop the check or provide me with a copy of the canceled check, neither of which have they done. They have been charging me interest since XX/XX/XXXX on this amount. When I first notified them of the problem, their representative stated they would only reverse the interest charged after 60 days had elapsed. It is past that date but there is still no correction on their part. In addition, they have not credited a check for {$120.00} dated XX/XX/XXXX towards my account. I am also unable to view my account online because, according to their representative, the account number may have been changed without my knowledge. I have received no response or resolution despite numerous attempts to resolve this with TCF bank. Thank you.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

My husband and I had a credit card joint with citi bank, it was a secured account, we deposited XXXX dlls to get the credit after several complaints that we have due to interest and fees we decided to close it, for this we have to pay a remainder balance, we tried to make a payment on the bank directly but even the credit card are from the same bank they only accept payment on the phone, we was scared to give our bank information because we thought they could try to make more charges, so we waited until they send a letter asking for the balance we owed. We make a minimum payment on XXXX for {$15.00}, but we noticed that they continued adding more interest to the account so on XX/XX/2020, we decided to call them and paid all the balance we owed it was {$250.00} dlls and we asked to finally cancel the account and dont contact us again but Instead they keep the account open generating more fees and interest now they send a letter asking for a payment balance of {$260.00} when its supposed closed since XXXX. I contacted them several times and when they transfer my call with another office they always hung up the phone, finally yesterday someone answered me, the person on the phone said they never closed the account as we requested and because they said we made our payment one day late, that amount is the accumulated fees and interest, but in the paper the due dates always was the XXXX of the month and I paid on the XXXX, now I have to wait for them to send me copies of all statements since XXXX and then make a letter and send several documents via fax and dispute charges they said it will take 30 to 60 days to have a resolution. I think thats no fair because its a lot of wasting time they made a mistake for no closing the account on time they should fix this immediately but I am not sure they will make something on this matter.
Consumer complaint received 2020-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

On XX/XX/2020, I received a phone call from Jefferson Capital representative named XXXX regarding an attempt to collect on an alleged debt for an account they have labeled as XXXX. I indicated while in the call that this debt is not mine and that I need validation to provide me with evidence that I am the intended party. XXXX indicated that Jefferson Capital had evidence that I am the intended party such as my signature and would reply to my request. However, a week letter I received a letter from Jefferson Capital for a settlement offer instead of debt validation. This misrepresentation from Jefferson Capital is a direct violation of my rights under the Fair Credit Act, in which I am entitled to the documentation of debt responsibility when requested either verbally or via correspondence. Jefferson Capital has verified that this account XXXX is in fact mine to all three Credit Bureaus and to date have not provided me with the evidence that they have submitted to the credit bureaus when I made the request.
Consumer complaint received 2020-10-13
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: The CMI Group, Inc. (LA)

These are old accounts I've been XXXX for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not
Consumer complaint received 2020-10-08
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: EQUIFAX, INC. (NV)

I have accounts listed on my credit report that are not clearly mine. I think someone used my information to open these accounts. I am not a credit repair company, and I sent in my personal documents to depict who I am. Please remove those accounts immediately
Consumer complaint received 2020-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have accounts listed on my credit report that are not clearly mine. I think someone used my information to open these accounts. I am not a credit repair company, and I sent in my personal documents to depict who I am. Please remove those accounts immediately
Consumer complaint received 2020-10-13
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: HW Holding, Inc (LA)

These are old accounts I've been XXXX  for the last 6 years those should have been off of my report I've been disputing and they've just updated information as if its new and its not
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I requested to waive the late fee because I missed the payment by accident for my payment on XX/XX/2020. The fee was waived however it was not explained to me that it would credited to the balance and not the actual payment so I made my payment minus the late fee. I was then charged another late fee and I reached out to the company and was explained that once the payment posts for the XXXX statement everything would credit back to my account and I was assured that my XXXX statement would be normal. I did not receive a statement and only realized that they had charged another late fee and carried over the {$36.00} late fee previously. I reached out and was told " we are sorry you werent explained the process, but we cant waive the fee '' I asked to speak with a supervisory and was placed on hold and no one ever came to the phone. My credit card bill went from {$36.00} Dollars monthly to {$110.00} because of fees.
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I was in a forbearance and ask for a loan modification and have been sending the paperwork to them. I have been sending the same paperwork over and over again for nine weeks and they keep playing with me and asking me to send the documents which Ive already sent the system is designed to tire me out where I will quit and lose my house and I wont be a victim of this. Every time I called the phone hangs up every time I call they they said theyll call me if you dont call me Ive been calling every day three times a day for nine weeks straight this is ridiculous I need some immediate help please. The companies name is SLS Mortage
Consumer complaint received 2020-05-12
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. (AR)

I been trying to get insurance on my vehicle. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX XXXX {$2500.00}
Consumer complaint received 2020-09-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (NC)

This started back in XX/XX/2020 that I begin trying to settle with this company, then the pandemic happen. My car that I recently purchased from XXXX went down before a year had even hit. I called XXXX to notify them of the issue which I felt had been to soon for me to experience. They stated it would be {$18000.00} to repair, XXXX stated it would be nearly {$18000.00} to repair then the certified repair shop Said it would be {$13000.00} as of XXXX. This company received all documents that requested. They called in XXXX or XXXX as the car was still down. I told them I still Wanted to settle and still was using a rental. My offer was {$2800.00}. Come today as of XXXX they indicated they accepted YET they saw the mail was returned that they sent to me with the agreement approval. The young lady stated I would receive an email as I opted to receive I didnt. After literally getting the car on the road On XXXX the car is repo on XXXX after I have just spent {$13000.00} fixing the car. All my savings. Then they dont want to Reinstate the offer of {$2800.00} ad I exhausted all my savings. The document below shows my last rental that finished out over {$1000.00}. The mechanic bill finished out over {$13000.00}
Consumer complaint received 2020-10-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (MD)

I was almost to the end of my payment on the car loan, wells Fargo took the car, the reason for some of the late payments was i had a XXXX babies with in the last 4 years, so i was unable to pay on time.I did pay the car loan off completely, because of my late payments it looks like i am now starting new credit even though i paid up most my credit debt.I have credit for longer then 2-3 months.
Consumer complaint received 2020-10-07
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including Repossessions. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2020-10-07
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. (NC)

TransUnion XX/XX/2020 Initial Correspondance date : XX/XX/2020 File Number XXXX XXXX XXXX XXXX TransUnion Sent me a letter informing me that they are in receipt of additional information and that they are taking 15 extra days to complete my. investigation instead of the 30 days required by law. The later stated that my dispute will not be completed until XX/XX/2020. 
Under the fair Credit Reporting ACT it states that ( A ) may be extended for no more than 15 days if the consumer reporting agency receives information from the consumer. I have not sent them any information except for my original dispute with my ID, Address, verification, my pass port, along with birth certificate. TransUnion is using stalling tactics and need to remove the information from my credit report.
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-10-13
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: Experian Information Solutions Inc. (GA)

XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX