davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Citi cardsswitched me to electronic billing in XXXX 2016 to save the trees. However, they didn ; t send us a single statement after this either electronically or by mail. Since we pay bills through our credit union, Citi card payments have been steady and paid every single month. We could not get the eBill function to work like with every other lender, but it didn ; t seem to matter until today. I got a call from one of their collectors, and Citi was " getting the payment a day or so late each month. '' For this, we have been charged {$26.00}, and {$37.00} a month for as far back as I could look. I had no idea because we can ; t seen to get through to them electronically, we do n't get statements, and since I 'm XXXX XXXX XXXX - it does n't do a lot of good to call them. Their collector demanded to know where our payment was. I looked at XXXX and saw the payment was posted late last week, but because it does n't post immediately, here comes another late fee. And since we never saw the updated card agreement, how can they legitimately increase the late fees from {$26.00} to {$37.00} anyway? All while we send them {$200.00} or {$250.00} a month? This is wrong on more than one level. Also, how can they call my cell phone at work when I never authorized them to call my cell phone? Why ca n't they just send me a letter???
Consumer complaint received 2016-12-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (MD)

This company representing XXXX XXXX XXXX allowed a fraudulent renter continue to live I need a unit using my SSN ... even though I called them to ask ( several times ) if my SSN was being used. They ( XXXX XXXX reps ) told me several times that the SSN I was giving them was not the one they had on file. A year later I was applying for a pre approval for a home loan and Hunter Warfield ( the collection company ) had placed the apartment on my credit for $ XXXX. It was on my credit report for 6 months before I found out!
Consumer complaint received 2016-12-01
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MD)

We have our loan for primary residence with Suntrust, which is responsible for making timely property tax payments from the escrow account. Since our property tax was adjusted higher, Suntrust made payment that was less than the required amount. As a result we were assessed penalty & interest by XXXX county. Even after notifying Suntrust about the shortfall it took them 4 weeks to make the payment - and all along the bill was accruing interest. We make our tax payments into Suntrust escrow so we should not be held liable for any accrued interest and penalty.
Consumer complaint received 2022-06-22
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. (CT)

In accordance with the fair credit reporting acXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2.It also States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC (WV)

I did not authorize these creditors to pull my credit report to obtain creditor.

1 ) .XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ; XXXX XXXX On XX/XX/XXXX. Unknown inquiry, please delete 2 ) .XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX ; XXXX on XX/XX/XXXX. Unknown inquiry, please delete 3 ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX/ ( XXXX ) XXXX XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 4 ) .XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX/ ( XXXX ) XXXX  XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 5 ) .XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX| ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry , please delete 6 ) .XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry, please delete 7 ) .CoreLogic Credco XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( Credit Report inquiries ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Credco XX/XX/XXXX Unknown inquiry, please delete
Consumer complaint received 2019-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I have been struggling for 2 years with this company. I'm a single mother of XXXX boys and can hardly pay my bills. I took a loan out XX/XX/XXXX in amount of {$5400.00} as of XX/XX/XXXX I have paid back {$6800.00}. That is my principal loan amount plus {$1300.00} extra they have made on interest. I have offered them a settlement to settle this account. I offered {$800.00} paid in full, making a total paid back my full principal plus {$2100.00} gain to there company. That is a gain of 40 %. I find that to be a very fair offer. They wont even consider trying to help and take that over XXXX and settle. They would rather someone loose everything. I'm very interested in finding or seeking a lawyer if they do not as well as filing a complaint with the state. I at least have paid my loan in full plus over XXXX they made in interest. They shouldn't be able to do these predatory loans in Missouri, they currently have a suit against them for doing illegal stuff with Virginia! People who are desperate and do not understand, nor did they actually go over the full loan details when I took the loan in XXXX.
Consumer complaint received 2019-08-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I received a call from a third party debt collection agency around in XX/XX/XXXX I told them I did not think the debt was valid and was working on my credit but wanted to make sure the debt was valid then the rep on the phone said well this could hurt your credit I disputed the debt due to it being labeled as a personal debt and not a medical debt tried to correct it with them and then they changed the debt age from XX/XX/XXXX to XX/XX/XXXX then started adding interest then my credit score dropped 100 points the name of company is Wakefeild and associates all I wanted was my debt age to be correct and it to be in correct listing this organization intentionally mislabeled the debt and changed the date which is unethical and I was threatened ( or felt they was threatening me and seeing how they actually did damage my credit it was a deliberate action )
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Bank {$660.00} and the below creditors are reporting unverified information on my account and this is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims. 

Capital One Auto Fin # XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX  {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX   XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (VA)

I purchased a XXXX XXXX in XXXX 2008 and Believe Interest rates where too high, I was sols the Vechile for XXXX dollars with {$1300.00} for trade some this monies were first finaniced by XXXX XXXX XXXX SInce that time I have made 50 payments of {$330.00} for total of {$16000.00} for this van as of today I am still on the hook for {$7000.00} additional fee the van was repossed and sold for {$1100.00} by Santander, this has been on my credit for over 10 years I have reached out to pay {$500.00} to have these charges taken on of my credit report to no avail as you can see I have paid a total of {$19000.00} for the van and Santander claims I still owe {$7000.00} dollar on this worthless van, can someone help as I am trying to get this off of my credit to purchase home.
Consumer complaint received 2019-08-14
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (CT)

Discover card lowered my credit rating and removed over XXXX worth of credit from my credit line based on an inquiry that " just happened '' to be at the highest point of my credit debt. This occurred in XXXX 2016. In the last 60 days I have paid off XXXX worth of credit card debt and Discover will not do another inquiry for me, without doing a hard credit pull, to ascertain if I am worthy of more credit. I have several credit cards and all of them are in good standing. None of them have requested a credit line decrease.
Consumer complaint received 2019-08-14
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 was recently went to check out a new car at XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice an item on my report that is not mine. This item need to be deleted from my credit report XXXX XXXX XXXX and there are some inquiries also that are not mine XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX Equifax Mtg, Equifax Mortgage Servi, XXXX, XXXX XXXX XXXX and JXXXX XXXX.
Consumer complaint received 2016-12-27
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I have a health savings account with HSA Bank, A division of Webster Bank. For 2016 I need to distribute {$6900.00} for Dental, Medical, Vision and XXXX. I recently added my bank account info to their website in order to distribute money to my account for these expenses. Their website said this would allow me to get my funds more quickly. When I attempted to distribute funds to my bank account an error message said {$2500.00} was the daily limit. I distributed that amount to my bank account, but every time I try to make subsequent distribution, they block my account. I have called them numerous times and they say will fix it, but it keeps happening. This money belongs to me, not HSA Bank. They have no right to withhold my funds. I have incurred expenses to make the numerous calls because my only phone is a pre-paid cell phone and I have lost interest that I could have received as I would have placed these funds in my Money Market Account. I have already paid the bills out of my own funds.
Consumer complaint received 2018-01-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

contacted Experian by mail XX/XX/XXXX about disputing a Bankruptcy on my credit report. They sent me the results on XX/XX/XXXX. I also called Experian on XX/XX/XXXX and spoke with XXXX XXXX he informed me that there verification for public records is through a third party company which is XXXX that the courts use. At first he said I would have to contact the courts after further questions he finally gave me the company name that they use. I then informed him that i have contacted the company that they use and they could not verify the information, and also XXXX uses XXXX and they could not verify the information as you can see i have attached documentation to support.
Consumer complaint received 2016-07-17
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (CA)

This is the follow-up to my earlier response on case # XXXX. I have declined the company response asking for proof to substantiate their claim that gift cards were purchased. As they claim that was the reason due to which they are denying me roughly XXXX in promotional bonus. I totally deny their claim. Discover need to honor the promised cashback on all my XXXX purchases asap. No update was made by the bank on my earlier case ever since I disputed the response ( alomst 6+ weeks back )
Consumer complaint received 2019-08-13
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. (TX)

THE ACCOUNT OF DEPARTMENT OF EDUCATION/XXXX, IS REALLY AFFECTING MY CREDIT 'S STABILITY AND THE OVER-ALL HEALTH OF MY CREDIT REPORT AND SCORES. NOTHING WAS DONE TO SOLVE WHAT IS GOING ON WITH THESE ACCOUNTS AND A REASON TO WHY THEY'RE STILL REPORTING NEGATIVELY. APPARENTLY THEY ARE REPORTING 180 DAYS LATE IN PAYMENTS, WITH OUTSTANDING BALANCES OF : {$810.00}, {$1400.00}, {$1500.00}.
Consumer complaint received 2022-08-16
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. (CA)

In accordance with the Fair Credit Reporting act, Equifax, XXXX, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX has a medical bill from XXXX XXXX XXXX that shouldnt be on my report. It is illegal to share hospital records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All the above accounts were shared without written permission and I am demanding they be removed from my credit report immediatly
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: Navient Solutions, LLC. (MD)

XXXX XXXX XXXX/Navient is reporting loans that are older that 7 years old and it is messing with my credit balances. When I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXX. XXXX XXXX/Navient to correct this issue and update my credit report for all 3 bureaus.
Consumer complaint received 2019-08-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (TN)

On XX/XX/2019 I started a refinance with Nations Lending Corporation. The loan officer is XXXX XXXX. I submitted all documents required. She said I am good to go. After that she said I need an appraisal done on my home for the refinance. She told me it would be XXXX i said ok. An appraisal was done and they actually took XXXX out of my bank account. I continued to call and call waiting on a close date. XXXX XXXX quit calling me back and responding to me. So, finally yesterday after I filed a complaint with the XXXX someone new called me and told me that I did not qualify for that refinance after I was already told I am approved and done the appraisal with the person they use and was only waiting on the closing date. He told me he can offer me a streamline refinance which doesnt require an appraisal or finance verification. I said no thats not what I was told I was approved for and I want them to honor their commitment as I have to them. He said that was not an option and the streamline was the only option I have through them so I asked if I would be receiving my XXXX back and he said no because it was through a 3rd party they used and would not give me my money back. I said XXXX told me yes, she set up the appraisal l. So, now I am out of XXXX dollars based off XXXX XXXX telling me I was approved for this refinance, and paid the appraisal only now almost 2 months later getting told No.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Equifax is reporting a " pending '' judgement ( XXXX. XXXX XXXX Texas ). This error was also showing up on XXXX and XXXX, however after I mailed them and pointed it out they deleted it. Equifax says they " verified '' the information. I have contacted the clerk of the court and was assured that no one from any credit bureau had been in touch with them nor did they ever report this in the first place. 
This was settled before court. There never was a judgement. It is not pending since 2008 as Equifax is reporting.
Consumer complaint received 2016-11-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (FL)

I borrowed XXXX from Big picture Loans and have up to date paid them XXXX with still more to pay bi weekly, at 803 % with payments going all the way to XXXX 2017. I closed my checking account since I can not seem to keep with this bi weekly payment of XXXX, this absurd please advise. Thank you
Consumer complaint received 2019-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: SECURITY FINANCE CORP (TX)

In XX/XX/XXXX, I secured an installment loan with Security Finance Corporation. I have since paid the loan off, in full. However, I have spent the last 2 months working with their agents on a reasonable resolution regarding an egregious error made and reported to the credit reporting agencies by Security Finances own agents. But I can not seem to get through the red tape. No real help has been offered nor has my loan been accurately reviewed for any and all reported errors. I have done everything I can think of to resolve matters with SFCs agents but my pleas for assistance have been ignored. I have not been designated a single point of contact. Why cant anyone actually look at my information and take ownership of the erroneous information that was provided, reported and the violations made? I am now faced with a derogatory on my credit report that is injurious to my ability to progress financially in business and personally. I need your help to resolve my current crisis.

In XX/XX/XXXX, I secured a n installment loan with SFCs firm. I tendered payments on time as agreed for over 6 months. However, in XX/XX/XXXX, I walked into the Security Finance Corporation in the city of XXXX to tender my payment for that month. The agent advised me that the computer system was down, but that they could take receipt of my payment and enter it into the system as soon as the system was back up and running. I was advised that my payment would NOT be considered late in lieu of the current computer circumstances that day. Once I was offered adequate assurance that my payment would be accepted and accurately accounted for I tendered the amount the agent advised was due.

In XX/XX/XXXX, I was alerted to the fact that my XX/XX/XXXX payment history was furnished inaccurately by SFC to the credit reporting agencies. Apparently, the amount I was advised to tender, by SFCs agent, was {$3.00} short of the actual amount due. This egregious error by SFC and its agents lowered my credit score and my ability to obtain credit and make purchases.

Next, my supervisor advised me that he received a call from SFCs agents regarding my unpaid delinquent balance of {$3.00}. This is a clear violation of the Credit Privacy Act. And SFCs agents have recently been ordered by the CFPB Consumer Financial Protection Bureau to cease and desist from said shady and unethical business practices.

How is it possible that after numerous calls and correspondences Security Finances agents have not afforded me the opportunity to have my situation reviewed for a reasonable and fair resolution? My hope was that SFCs agents would take the situation caused by one of their own agents seriously enough to afford me a reasonable resolution to correct their mistake. Security Finance and its agents have not truly worked with me nor offered any relief. I need your offices help.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

In XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX