davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX. XXXX XXXXXXXX account # XXXX. XXXX XXXX  account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX  account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2017-11-16
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: CITIBANK, N.A. (NE)

A Bank Card service did a check to see if I qualified for a 0 percent credit card so I could clear up some high interest Credit cards. They were informed through XXXX that there was a Bankruptcy on my credit report. The report states that it goes back 7 years. The last time there was a Bankruptcy was dated XXXX-05 and by calculations that it over 12 and a half years ago. 

I do n't understand how this information was received if the copy I received off the internet does n't show it but, yet the Bank Card swervice can get old information not on my report.. How is this possible?
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

I went to XXXX with my family on XX/XX/2017. A male staff member at the resort was caught by me and my XXXX year old daughter, XXXX, and he was blushing. This caused my daughter to be afraid and not want to go to the food court again. Later in the trip while I was away from her and my XXXX year old, while they were in the arcade, another man was caught standing behind her in what was an attempt to speak to her. I interjected, and the man said he " had no children or grandchildren, but it was too late to start now ''. I asked XXXX to call security and they responded that it was probably nothing and they would call security at the end of the shift and document my concerns. When I spoke to the manager at XXXX, they said that this was nothing they would apologize for. I then put in a dispute with Citibank, since the vacation was charged on my double cash card. They then came back to me and stated they wanted a letter from XXXX stating I was owed a credit. I do n't understand this.. I am disputing the bill because I did not get vacation. XXXX 's own web site shows that there are contractual rules for non-disruptive and non alarming guest behavior --. But then Citi turns around and says they want something from XXXX -- whom I clearly identified as a party that is non-apologetic -- that they want a letter from them stating I am owed a credit. This of course, will not happen because after being presented the final bill, XXXX called me to say that I owed an additional {$300.00} for purchases they missed when they gave me the final bill. And now that the dispute of {$670.00} or the {$3900.00} I charged is not going through -- and Citi wo n't assist me with it -- I am now over my credit limit. Why have a dispute group if they are just referring me back to the merchant?
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However XXXX is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and Equifax show account paid and account closed and NOT delinquent ( see attached ). However Equifax is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

Since XX/XX/XXXX several negotiable instruments endorsed per to bills of exchange act, UCC 1-314, 1-308, 1-306, 1-603, 3-416 12 usc 411, 18 usc 8 and hjr 192 along with several others, have been sent totaling over {$9000.00} between two accounts. To discover financial services. Ending in XXXX and XXXX. However PAYMENT was accepted, never returned nor credited. PAYMENT is not defined in the contracts or terms of conditions in discovers and agents refuse to define it. I have told them repeatedly that they may either return my endorsed instruments or credit my account. They refuse to do both. I have reported several billing errors disputes as well as provided instructions and they refuse to acknowledge my billing error disputes, apply credit, and attempt to mark payments as late.
Consumer complaint received 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Constar Financial Services, LLC (SC)

XXXX Transaction : Thru XXXX. {$1200.00}. 
Item ( military XXXX & XXXX ) was sold on XXXX and payment received from XXXX. 
The purchaser then had buyers remorse and requested a REFUND. 
The buyer them shipped the item back without a proper XXXX # when XXXX arrived with the Package IT WAS XXXX LB 's lighter that original package that I shipped. ( XXXX was kept? ) So the package was refused. XXXX and XXXX have both put my account on hold. I have done {$60000.00} in business with them in the last 15 years? Have these people lost their MINDS? I 'm told this is a XXXX scam and they had a class action law suit against them in 2004 that they settled.
Consumer complaint received 2017-11-16
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: CITIBANK, N.A. (OH)

I am still not sure who / what this is " XXXX XXXX/XXXX/16 CBNA ''. I recognize the rest of the inquires.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX XXXX/XXXX/XXXX TransUnion Consumer Relations XXXX, PA XXXX RE : Reappearing Removed Item XXXX XXXX XXXX Late Payment XXXX File # XXXX SSN # XXXX Consumer Financial Protection Bureau Case Number XXXX XXXX XXXX Account # XXXX Past Due 30 days XXXX XXXX has been removed since XXXX and XXXX XXXX again reappearing as a adverse account. After I submitted complain though Consumer Financial Protection Bureau on XXXX XXXX ( Case # XXXX ) and Your response was, Response We have reviewed your complaint along with the information you previously provided regarding this issue. In response to your request on XXXX/XXXX/XXXX, we initiated an investigation with XXXX XXXX # XXXXand they removed the late payment reporting XXXX. However, we received another request on XXXX/XXXX/XXXX to investigate XXXX XXXX # XXXX. In response, they re-added the late payment for XXXX. After reviewing the activity on your file, along with the information in our data base, we have removed the late payment reporting XXXX and taken precautionary measure to prevent the late payment from reporting in the future. You may wish to contact XXXX XXXX directly to ensure the account is reporting accurately in their database. 

( CFPB CASE # XXXX Respond attached ) On XXXX XXXX again reappearing Past Due XXXX XXXX same account and I called your customer service dispute department and asked them to corrected. ( Credit Report attached XXXX/XXXX/XXXX ) I attached XXXX/XXXX/XXXX Credit report show as a prove no any adverse account that time. 
Today ( XXXX/XXXX/XXXX ) when I checked the credit report again reappearing above past due. ( XXXX/XXXX/XXXX credit report attached ) Please removed past due XXXX XXXX XXXX account # XXXX as soon as possible. 

Thank you ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX XXXX XXXX
Consumer complaint received 2017-11-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automotive Management Services, Inc. (NC)

Automotive Management Amount owed {$350.00} Installment My Identity information has previously been compromised and used to open several accounts without my permission. This is just one of them. 

This is a Fraudulent Account.
Consumer complaint received 2017-11-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (IN)

XXXX XXXX ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE! 

XXXX XXXX SOLD THE DEBT TO MIDWEST RECOVERY SYSTEM IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS. 

ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS.. 

THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

I am XXXX XXXX and XXXX XXXX went to debt relief company as help. To better my credit score if I payed up front fee and I payed with debt card at time. Did n't know it was a scam. 
Charging Illegal Fees and Deceiving Consumers
Consumer complaint received 2017-11-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Cottonwood Financial Ltd. (TX)

On XX/XX/XXXX I received a phone call from XXXX XXXX from XXXX XXXX XXXX XXXX regarding legal papers that would be sent to my home for my signature. She then proceeded to tell me that my XXXX XXXX XXXXXXXX would be affected because I defaulted on a payday loan. She also asked questions about my vehicle and whether or not I still owned it. 
I got the same phone call again on XX/XX/XXXX making the same threats.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX/XXXX/15 I wanted to check my credit reports with all XXXX agencies. Trans Union was contacted regarding the differences in the number reported by them that varied as much as XXXX points from XXXX sources. 
I contacted them. They said they do not get or give numbers to other companies but rather send the Credit Report & that company does its own analysis. This is NOT what they say in their advertising or even on their reports. If they are not supplying the number that they - in this case Trans Union arrived at, then their advertising and representation is misleading and fraudulent. I not only asked that the XXXX fee be refunded ( only 15 days in ) but that they cancel any further services. They cancelled but would not refund. I should not pay for misrepresentation. There should be a disclaimer stating there is a different website for the required yearly credit report and that they do not provide numbers from other agencies, only data read by them. As the CFPB please look into this for me
Consumer complaint received 2017-11-16
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: Experian Information Solutions Inc. (FL)

On XXXX 2017 I applied for a credit card at XXXX XXXX XXXX. After that, I received a letter which they denied my application because of you reported a wrong information about my credit score. First at all, Im foreign, I havent live at the US and I dont even have a social security. I dont have any credit products At the US like you can provided a credit score of me, so you must not be able to provide any real credit report about me. Besides, you provided information that I declared an account as bankruptcy and thats not true. Im not in bankruptcy, I have my own 2 companies in XXXX, my apartment, my cars, and my savings inXXXX and in the US. I tried to ask my credit report and it was impossible because the sistem didnt recognize my information, so I called to your call center and I was attending by XXXX, he tried to find my credit report without social security, using my ID ( passport ) and he couldnt find it. He recommended me that send emails to www.experian.com/upload and support my explanation with documents. I did this process 3 times and I did n't receive any answer from experian. So, I complained about this situation in XXXX and I did n't receive any answer either. For that reason I need help from you, because I need an answer. It made me some uncomfortable situations. I do n't have any bad credit report in my country in any place so I need help to solve that as soon as possible.
Consumer complaint received 2017-03-27
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (TX)

There is a payday loan that is currently now being reported to my credit. I have tried disputing the error with XXXX and they stated that the it meet the FCRA requirements. I never recalled getting this pay day loan in my name and this should not be reported to my credit
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (LA)

This is XXXX XXXX , I checked on my credit report and saw reports in my payment history for this accounts XXXX XXXX XXXX {$320.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX {$0.00} I paid this accounts on time, I demand you to fix this error immediately.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one makes many mistakes with my mortgage and refuse to explain their mistakes. When the consumer does find their mistake capital one refuses to correct it1/ On XXXX/XXXX/2015 balance was {$800.00}, XXXX yet despite receiving a full payment on XXXX/XXXX/2015 my balance increased to {$810000.00} by XXXX/XXXX/2015. see statements attached2/ Despite making the payments each month and capital one receiving a payment on XX/XX/2015 that was approximately one thousand dollars more than the required payment on XXXX/XXXX/2015 I was charged a late fee of {$180.00} which capital one has fraudulently refused to remove. This " fee '' was assessed a few weeks after a complaint to the CFPB against cap XXXX on a different issue. Is this how they retaliate
Consumer complaint received 2017-11-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AR)

I have been psying on this loan since 1994. My daughter bought a mobil home and we thought we were only co-signing but turned out to be in our name. a few payments have been missed in the previous 23 years ( maybe 2 or 3 total ) but we are up to date on it now. The problem is the payment is usually 4 to 12 days late and the mortgage has a {$5.00} late fee which is no problem. They charge me interest daily after the due date til they recieve the payment and then the next month they charge interest from the due date again which means I am paying double interest for about 10 or 12 days a month. The original loan was for approx {$35000.00}. but after 23 years the payoff is still over {$25000.00}. Is this legal? 
The loan company is Ditech.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We applied for a refinance loan with Capitol One. We have been in the process for over four months and the underwriter has stated she will not give us a loan and does not want to work on our file any more- she will not deny us the loan because we qualify! We have a very high fico score we have never even had a late payment our whole life!! So She keeps giving us list upon list of things to answer or submit! We answer her questions and she comes up with new things- even down to making us explain properties we DO NOT own or explaining the same thing over and over again! We are now AGAIN being asked for more stuff- she is now asking for {$75000.00} dollars extra??? that goes against their agreement and good faith estimate as well as I believe their policy ( she is calculating it wrong on purpose ) she is asking for explanations we have given before and asking for lease agreements on properties we do n't rent or own ( and have explained that before ). She is also co-mingling our corporate business with our personal funds. We are being discriminated against!!!! I 'm not sure if its because of our ethnicity or religion?? The loan representative said we should not be going through this and was told by others in the company that this underwriter does this to many people! I 'm curious if the loans that she stops working on or delays with ridiculous conditions ( until they go elsewhere to get loan ) have a similar connection ( race, religion ) as that is what she can see- our name or where we donate our money too! We have spoke to and submitted our documentation to other loan institutions and they say this is a simple loan that should have funded a long time ago! I am complaining ( which I normally would never do and have never done in my life ) because I truly feel we are being discriminated against and I wonder how many other people this underwriter has done this too! I can NOT believe Capitol One is doing this to people!
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (CA)

I notified Discover, after my XX/XX/XXXX statement, that I had only charged {$6.00} on a tip, on XXXX 's XXXX. This was charged on XXXX. This is the XXXX 's located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. 
Discover gave me a conditional credit which they reversed because XXXX 's said this was a valid charge. 
I talked to a female assistant manager around XX/XX/XXXX and finally talked to XXXX XXXX, the store manager. I explained that my friend, XXXX XXXX, paid for the bill with his gift card and he left {$20.00} in cash on the table. I told my friend that the tip off the {$20.00} would n't be enough so I was kind enough to leave a tip on my Discover of {$6.00}. That is ALL I left. XXXX 's charged me {$23.00}, of which I did NOT authorize. It even says on the receipt that {$6.00} was paid, the word paid was not next to any other line, and it should not have been because I only authorized {$6.00}. XXXX should talk to the server, XXXX XXXX, and ask what happened to the cash on the table. They have to keep a record of their cash receipts so I believe there would be an anomaly if XX/XX/XXXX receipts were audited. I had always been a good customer at XXXX 's before this incident. I told XXXX that the IRS would be interested to know of XXXX 's tip policy. It seems like their servers are pocketing extra cash, not reporting it to the IRS, and allowing the XXXX to rip other consumers off with misleading and confusing charges on their kiosks ( XXXX ). I am holding XXXX partly responsible because they program their kiosks to mislead customers at these restaurants. XXXX said he would kick the matter to his Corp. dept. and let me know. XXXX would not refund their erroneous charge to me. I was very polite and did not raise my voice the whole time. 
I e-mailed XXXX on XX/XX/XXXX but he had not responded. 
I do n't want XXXX 's to do this to other customers and XXXX should review their programming to not take advantage of consumers. 
I spoke to me friend XXXX XXXX on XX/XX/XXXX, and he said exactly what I said about payment. He needed no coaching and he is willing to be a witness on this matter.
Consumer complaint received 2017-11-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I received an score alert today XXXX.XXXX.17 from Experian saying my FICO score dropped 20 points without any explanation why. I contacted Experian to find out why my score dropped, the representative in the membership department reviewed my last credit report and checked the previous report for any changes between the two. Their was no change in my credit report. The representative said she do n't understand how or why my score would change without a change on my report. No one at XXXX was able to explain why my score dropped significantly.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2017-11-16
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. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. XXXX XXXX Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely