davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Edfinancial has made misleading statements about its autopay program and the accompanying 0.25 % interest rate reduction. As recently as XX/XX/XXXX, Edfinancial claims that " While your account is in active repayment and enrolled in Auto Pay, you will receive an interest rate reduction of 0.25 % '' from XXXX XXXX  XXXX XXXX XXXXedfinancial.com/autopay. However, there is no sign of a functional autopay system, much less a 0.25 % interest rate reduction for enrolling in the program. 

I have been trying to set up my autopay since XX/XX/XXXX. After another autopay request on XX/XX/XXXX via my bank account ending in XXXX was not successful, I contacted an agent on XX/XX/XXXX, where the agent told me to wait. After waiting for another month, I contacted an agent again on XX/XX/XXXX. This time, the agent told me the issue was with my bank not authorizing the autopay, and to try again if the bank had no record of it. I contacted my bank, and they said they did not receive anything. Following the agent 's instructions, I submitted another autopay request on XX/XX/XXXX, this time with a different bank, the account number ending in XXXX. As expected, the request still has not been successful. As a result, I contacted an agent yet again on XX/XX/XXXX. The response was wait another 1-2 billing cycles. However, there is very strong reason to believe that this does not constitute an attempt to resolve my issue, given that there are numerous reports of this happening online, and autopay still not working after 2 billing cycles. See XXXX XXXX XXXX and XXXX XXXX XXXX for examples of people being told to wait 2 billing cycles and autopay still not succeeding. 

I have emailed Edfinancial with this information, but they said my issue was resolved in my most recent conversation with them, even though I clearly stated that the most recent conversation did nothing to resolve the autopay issues. See the attached files for the emails in question.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (FL)

Subject : Red Light Camera Citations and Improper Collection Practices During State of Emergency To Whom It May Concern, I am writing to formally complain about the handling of red light camera citations and collection practices by the City of XXXX, XXXX XXXX XXXX XXXX XXXX and its associated collection agency : Linebarger Goggan Blair & Sampson, LLP XXXX XXXX, a red light citation issued to me but NOT was not mailed to me. As a result, I only recently discovered that my drivers license had been suspended. On Tuesday, XX/XX/XXXX, I paid over {$1300.00} in fines, {$260.00} in reinstatement fees, and an additional {$300.00} to renew my drivers license, tag, and registrationtotaling nearly {$2000.00}. Regardless of the cost, as a single mom I ensured that all matters were taken care of prior to the storms arrival. Working odd jobs in addition to my full time job, cutting corners and counting coins. I narrowly avoided being without a license during the storm, running to the DMV 24 hours prior to the all county office closures. 

During hurricane Helene, my family and I lost power several times and had to send out distress signals to FEMA. It was a terrifying situation for everyone, including my XXXX To make matters worse, XXXX XXXX XXXX, before the storm even left the city, I received a voicemail from Linebarger Goggan Blair & Sampson , LLP , a collection agency, claiming I owed an additional {$800.00} in citations and demanding immediate payment. I had already resolved these issues, as confirmed by the Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ), which provided me with a letter of clearance allowing me to drive without restrictions. 

When I informed Linebarger of this, they insisted I submit proof, even though the burden of proof should fall on them as the collection agency. Their threats included suspending my license again, which would have criminalized any evacuation efforts during a state of emergency. This behavior is highly improper, especially during such a critical time. 

I feel completely taken advantage of by both the county and their collection agency, which tried to extort an additional {$800.00} from me after I had already paid my dues. This is not just poor service ; its predatory and unethical, particularly during a time of crisis. 

Unfortunately, the City Of XXXX XXXX continue to criminalize disenfranchised communities with red light cameras. XXXX Police Department will file traffic citations with the court instead of mailing the option of paying the lesser civil fines {$100.00}. XXXX XXXX clerk of courts will continue to use Lineberger as a collection agency. Individuals without proper guidance will fall for these intimidation tactics. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Webcollex, LLC (NV)

I am filing this complaint due to XXXX and XXXXXXXX XXXX refusal to provide the necessary documentation to support my identity theft investigation. Despite my requests, neither bureau has supplied the transaction histories ( merchant names, dates, and authorization details ) for the disputed accounts tied to CKS XXXX, XXXX, and XXXX XXXX. Without this information, I can not file a police report or investigate further.

Both bureaus have denied my request to block these accounts without transparency about the evidence used to make that decision. Their refusal to provide the documentation is preventing me from resolving this issue and appears to be an attempt to avoid dealing with the fraudulent disputes that may arise.
Consumer complaint received 2024-08-22
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Chevron has been charging me late fees for several months. I finally got XXXX  of calling them- when I could get someone they refused to waive the fee - and just paid them. I KNOW I PAID ON TIME. The current bill includes another late fee, however. 

The late fees they charge are excessive - {$40.00} ( for context, my chevron bill averages between {$60.00} and {$120.00} )
Consumer complaint received 2024-08-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: American Financial Network Inc. (FL)

The purpose of this letter is to report Fraud + Deceptive Mortgage Practices utilized by XXXX XXXX XXXX  a Division of American Financial Network ( AFN ) in obtaining a VA Loan [ Loan ID # XXXX ]. No discount rate points were paid on this loan. However, loan Documents ( VA XXXX, Item XXXX, {$7300.00} ) clearly show irrefutable evidence that AFN is claiming points were paid. This was a deliberate, intentional, purposeful, and calculated attempt to increase the total costs for profit. 

-- -- -- -- -- -- -- -- -- -- - EXAMPLE 1 : XXXX XXXX added a rate lock agreement to the mix of paperwork without ever discussing points. When I realized that the document included $ XXXX for points, I immediately called, texted, and emailed a cancellation on XX/XX/year>. She agreed to remove the points but still endorsed the cancelled document as valid ( weeks later ) on XX/XX/year>. 


EXAMPLE 2 : Without my signature or giving me any choice in the matter, she unilaterally decided to lock me into a 6.625 % mortgage rate stating it was required 2 weeks prior to closing which is a lie. An image of the AFN portal was sent verifying only XXXX rate lock was sent which was immediately cancelled. No signature by me is on file for a rate lock at 6.625 %. 


EXAMPLE 3 : She also told me you can not rescind ( cancel ) a rate lock which is also a lie. 


EXAMPLE 4 : I stated points are a waste of time if I intend to pay off the loan. XXXX XXXX XXXX XXXX abruptly joined the call and was later identified as the Branch Manager. He stated, youre probably going to pay off the loan within 10 months and screw us out of our commission. 


EXAMPLE 5 : I wanted to take advantage of a lower advertised interest rate since I was not locked and sent a news article to discuss the issue. XXXX XXXX lied stating it was not true and told me dont trust the news. He lied about rate stating on XX/XX/year> it was 6.625 % with no points. On the same day XX/XX/year>, XXXX XXXX XXXX ( whom I was promised they were competitive with ) verified a XXXX VA Loan no points@ 6.125 %. Information was shared with XXXX XXXX via return text with no response. 


EXAMPLE 6 : When I confronted XXXX XXXX directly with her lie, she chuckled and said, I locked you in and we all have our rates. She willfully, purposefully, and intentionally, did it knowing there was no time to change companies versus losing the deal on the house. Her actions cost me an additional {$32000.00} ( $ XXXX {$330000.00} ) in interest over the life of the loan. 

Request a Federal/State Audit and ethics review of License Number NMLS # XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

My complaint is with title max XXXX az XXXX & XXXX school I have had this title loan on my back for XXXX years n the principle never goes down its almost like you have to pay it all back at once the payments mean nothing I pay XXXX a month for a XXXX dollar loan which in XXXX years I have given over XXXX dollars to these people as of right now XX/XX/XXXX my vehicle has been XXXX  in Texas I am here visiting family XXXX they took my truck knowing I have made XXXX years of payments an quickly paid to get my truck back previously meaning the same thing happened on XX/XX/XXXX XXXX XXXX an I had to go thru this process this is sickening how they can get over on people ruin their holidays an the people at the office who I make my payments too every month for XXXX years constantly act as XXXX they dont know who I am every time we speak didnt have the thought to call me XXXX let me know before they decided put in for XXXX this is crazy my truck is a XXXX XXXX XXXX for me to over pay this much something has to be done it has to be something I can do an on top of recent repo I lost my job Cuzz the XXXX company says I have to wait till mon to retrieve my truck due to so many XXXX  in Texas so Im stuck paying a hotel room till Monday at XXXX thats when they say I can have my truck back after I have already paid in full Friday this is not what a loan company should be able to do to someone thats actually paying for something I needed
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

I reviewed my credit today and saw a new collection reported to my consumer file from Credence Resource Management. This company has violated my rights by not sending me any type of letter or communication that they were reporting anything on my consumer file. They did not give me a chance to review anything concerning this alleged debt. I request that this company send me the original purchase agreement when they purchased this alleged debt. I have the right to verify any and all information of this alleged debt to validate if this debt belongs to me. I also request a copy of their license to see if they are allowed to collect in my state. Furthermore this alleged debt has been reporting to my consumer file from XXXX different companies and no one has sent me valid documents for verification so its deleted and resold. It is a hassle keep complaining about this issue and I request that it stop being resold and stop being reported on my file. My next step is filing a law suit. Also I have not given anyone permission to sell anything with my personal information this is a violation of privacy law.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (VA)

To Whom It May Concern, I previously disputed the Calvary Portfolio SE account for inaccuracies on my XXXX, XXXX, and XXXX reports under 15 U.S.C. 1681. No modifications or proper actions were taken. I am requesting the immediate removal of this account and confirmation within 15 days Respectfully. 

XXXX XXXX
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (AZ)

Opened an account was suppose to receive a XXXX incentive and free checking if deposited XXXX or more, never received the XXXX and not providing free checking- told me today i need to deposit XXXX- i call another branch they confirmed the first offer - my branch is sealing from me and not providing term of service
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kimball, Tirey & St. John LLP (CA)

Description of the Issue : I am disputing incorrect information reported on my credit report regarding a debt of {$53000.00} reported by Kimball , Tirey & St. John LLP, representing XXXX XXXX XXXX. 

Timeline and Details : XX/XX/XXXX - XX/XX/XXXX : I lived in XXXX XXXX housing at XXXX XXXX, managed by XXXX XXXX XXXX. My initial monthly rent was {$1100.00}. 
XXXX : After notifying XXXX XXXX XXXX that I was applying for COVID-19 emergency rental assistance through the County of XXXX XXXX XXXX my rent was increased to {$2500.00}, a 134 % increase. This adjustment was not supported by any updated lease agreement or proper documentation. 
XX/XX/XXXX : I signed a stipulation agreeing to vacate the apartment. The stipulation included a clause that all monetary issues were resolved, which I interpreted to mean that I would not owe any further rent or charges beyond this agreement. 
XX/XX/XXXX : I received a letter from Kimball , Tirey & St. John LLP stating that I owed {$53000.00}. This amount includes the increased rent and additional charges, which I believe are incorrect. 
XX/XX/XXXX : I disputed the debt with Kimball , Tirey & St. John LLP and requested documentation related to the rental increase. They responded with a ledger reflecting the increased rent but did not address the accuracy of the debt or the stipulation terms. 
XX/XX/XXXX : The debt was reported to XXXX. I disputed the debt with XXXX, but the dispute results confirmed the debt as accurate, despite my previous concerns and the documentation provided by Kimball , Tirey & St. John LLP. 
Actions Taken : I attempted to resolve the issue by disputing the debt with both the debt collector and the credit bureau. 
I requested detailed documentation from the debt collector, but the provided documentation did not clarify or rectify the issues. 
I have sought assistance from various legal aid organizations and tenant law groups but have been unable to find a resolution. 
The incorrect reporting of this debt has negatively impacted my credit report and financial stability. I am seeking correction of this information to accurately reflect the circumstances surrounding the debt and the terms of my lease agreement, including the stipulation that should have resolved all monetary issues.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> & XX/XX/year> ) I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2024-08-12
Product: Credit 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: CITIBANK, N.A. (ID)

XXXX. Made hotel reservations XX/XX/year> through XXXX XXXX ( XXXX XXXX XXXX XXXX ) for a stay on XX/XX/year> for {$310.00} XXXX. XXXX plans - cancelled reservation through XXXX XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/year>. 
XXXX. Did not see credit on credit card account in timely manner - contested charge through Citibank ( credit card company ) XXXX. Citibank gave condition credit of {$310.00} on XX/XX/year> while researched XXXX. Citibank statement shows conditional credit of {$310.00} on XX/XX/year> XXXX. Citibank statement show reversal of conditional credit on XX/XX/year>. XXXX charged {$310.00}. 
XXXX. XXXX XXXX sent email confirmation of reservation cancellation on XX/XX/year>. 
XXXX. Citibank sent letter dated XX/XX/year> stating their investigation showed valid charge with instructions to send documents to dispute. 
XXXX. Faxed reservation cancellation confirmation to Citibank on XX/XX/year>. 
XXXX. XXXX from Citibank dated XX/XX/year> stating they are working on dispute. 
XXXX. Reverse of hotel accommodations on XX/XX/year>. XXXX charged {$310.00} XXXX. XXXX from Citibank stating they have made attempts to work with XXXX XXXX with no resolution. Will recharge credit card. 
XXXX. Called XXXX XXXX on XX/XX/year> and XX/XX/year>- they stated since charge was disputed they never received any money from Citibank. 
XXXX. Called Citibank on XX/XX/year>- they stated they were unable to get funds back from XXXX XXXX and we would need to follow up with XXXX XXXX ourselves. 
XXXX. We are out {$310.00} for a hotel reservation on XX/XX/year> that has been cancelled. I verified with the hotel directly that our reservation was cancelled and they do not receive the money until their customers check in. 
XXXX. We are attaching copies of all documents.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (FL)

Upon reviewing my credit report Hard Inquiries were identified from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Financial Service, Inquiry Date XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not requested nor authorized by me. Fraud Alert and Freeze were immediately established with Credit Reporting Agency.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I had an XXXX XXXX credit card with a {$XXXX} fee. The fee was coming up for renewal In XXXX. In XXXX I downgraded my card to a no fee XXXX XXXX card. The rep who conducted the downgrade assured me : 1 ) that my account tenure would remain the same, 2 ) that my account number would remain the same, but it changed 3 ) that I would no longer have an annual fee, but the {$XXXX} fee from my old card has now been transferred to my new no fee card I have contacted Citibank twice after I saw the {$XXXX} charge. Each time I have gotten a different response as to when they are going to credit my account. The most recent rep said I had to pay the fee and then they would place a credit. That makes no sense. Why should I have to pay a fee for an error on their part? Why am I inconvenienced due to their system processing cycling times of posting annual fees?
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I have a Citi XXXX XXXX Account. For months I have been unable to transfer funds to or from the account from an outside bank on the mobile app. 
Everytime I attempt, the app says " error try again later '' or " we are unable to at this time ''. It has not been fixed for several months. 
Asking to speak to a chat representative does not lead to resolution as they force you to talk to a bot or the chat system fails and kicks you off. 

Being able to access your own money should be straightforward and transparent.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX