davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (OH)

I attempted to contact the firm via their form on XX/XX/XXXX, I called and spoke to someone on XX/XX/XXXX who gave me information and then escalated to her supervisor XXXX, who provided additional information, which contradicted the first person. I had been told by my contractor verbally and in writing that the loan would be 0 % interest for 12 months. I asked multiple times via email for clarification on the language in the contract, which was validated as correct. I would've paid in full the cash amount, but it made more financial sense to take the loan for 12 months, and then pay it off when interest began to accrue afterwards. When I called to get my payoff amount, it was $ XXXX higher than I anticipated based on the starting balance, and the 14 payments I had made. When I spoke with XXXX he explained that because I didn't pay off the loan DURING the promotional period, the promotion was retroactively rescinded and the full balance had accumulated 17.99 % interest the entire time. So it wasn't a 0 % interest, it was a deferral, that was then retroactively applied in full after the 12 month promotional period. This is highly confusing, different than what was communicated, and misleading. I requested they immediately cease pulling via ACH from my account ( I paid the monthly payment automatically in full on time each month ). The balance at the end of the 12 month period was {$9600.00} ( per XXXX ), and then because I didn't pay that balance in full prior to that day, even though all payments were made on time and continued to be paid, my balance jumped $ XXXX. The company only makes money if consumers DON'T adhere to the promotional period- so the company, Service Finance, is incentivized to have consumers miss out on the promotional period in order to recoup any gains from lending. This is especially harmful to lower income individuals who rely on these programs to help repair their homes. Loan was created in XX/XX/XXXX for XXXX Monthly payments were made via ACH ( auto, on time ) for {XXXX Promotion as described verbally/writing by contractor was 0 % interest for 12 months, and 18 % afterwards I paid all monthly amounts on time, and called XX/XX/XXXX to payoff the balance I was told the balance was still {XXXX which surprised me because it was ~ $ XXXX more than I expected. Further investigation uncovered it was a deferred interest loan that retroactively applied in full if the entire loan wasn't paid within 12 months, which negates the value of a promotional period for all individuals who can't pay the loan in full in a short window. This also contradicts my understanding of the loan. A promotional period implies a value to the consumer - not a term that triggers a retroactive fee application- which is confusing, misleading, and harmful to consumers who are trying to navigate complex financial documents and understand financing terms.
Consumer complaint received 2024-05-01
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. (PA)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (HI)

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The LVNV FUNDING LLC is willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove this charge off account immediately. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-02-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

Hyundai Motor Finance has been really been amazing with me in all my XXXX purchases until I received an email from their Billing Department ... XXXXand this is what it says : XXXX XXXX your payment is now past due. 
XXXX XXXX for To review your most up to date balance, please log-in to your account at XXXX or click on the " Pay Now '' link below. 
Total : {$280.00}, due XX/XX/XXXX Total amount due {$280.00} Due date XX/XX/XXXX Issuer To review your most up to date balance, please log-in to your account at hmfusa.com or click on the " Pay Now '' link below. 
Account number XXXX Please help as their XXXX Consumer Affairs is absolutely not responding to my complaint. Proof of my payments is attached.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MI)

I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2022-11-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-18
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (MS)

XXXX XXXX  was paid as agreed I XXXX XXXX XXXX and missed 3 payments I emailed the company asking to pay XXXX towards the balance and they said they sold it to jefferson collect now XXXX  is on my report while jefferson financial is collecting. I don't belive 2 company 's can collect on the same debit. And I have been paying jefferson collections every month
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (TN)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX OF XXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX amp XXXX IN - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - This inquiry was not authorized please remove this from my credit report
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

While booking a flight on aa.com, I was presented with a banner to open a Citi AAdvantage card with the following terms : - Spend {$1500.00} and receive XXXX AA miles- Receive a {$400.00} statement credit toward AA purchases I clicked on the banner and was approved for the card, which I then used to book the flight. However, on my first statement, only a {$200.00} statement credit was applied. I called Citi and was told that the offer they had on file had a {$2000.00} spend, {$200.00} credit and XXXXXXXX AA miles. 

Through many phone calls, online chats, and emails, I attempted to get Citi to rectify this problem. I showed them that the offer I responded to was STILL being advertised on aa.com. At various points, I was told to email someone or that it simply could not be changed. I find this unacceptable, deceptive, and evasive. 

Others continue to experience this exact same bait-and-switch, such as this blogger and the many people who have replied with similar tales : XXXX XXXX XXXX-citibank-XXXX
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (WA)

I have a Citi XXXX XXXX ( seldom used ), a Citi XXXX XXXX XXXX and a Citi XXXX savings account. In XXXX, i booked a {$5300.00} XXXX tour paid on the XXXX. A month later, the tour was canceled and the agency issued a refund resulting in a {$5300.00} credit. 

On XX/XX/XXXX, I phoned Citi and spoke with an agent who said they would process the refund to my Citi savings account in 7-10 days. 

On XX/XX/XXXX, I phoned to inquire why the refund hadn't been processed, and was told I'd see it by the next day. 

On XX/XX/XXXX, I phoned to ask again, this time speaking with a supervisor who stated that approval had taken 12 days, but the process would be completed in 2 days. 

On XX/XX/XXXX, 5 days later, I agains poke with a supervisor who claimed he had sent an expedited request to the appropriate department and he would call me in 48 hours to ensure I saw the completed transaction. He never called, and the process wasn't completed. 

On XX/XX/XXXX, I called a fifth time. This time the agent said the return had been processed 3 hours earlier, but to a non Citi account I owned. That was true, finally.

Summary : 1. 27 days to expedite a fund transfer 2. Repeatedly told : a. Agent/supervisor was not empowered to act on my behalf b. There was no one higher up in the organization that would speak with me 3. Promised a " date certain '' 5 times, only the last was true 4 Twelve days to approve movement of {$5300.00} of my money intra-bank, no external obligations No response to-date to a complaint letter sent to them. 

Closing all Citi accounts shortly.
Consumer complaint received 2023-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023 a scammer used the 'did not show for jury duty ' scam to scare me into paying {$2700.00} so my wife would not be arrested. It was a very sophisticated scam and I was forced to act within a specified time frame - I paid the requested amount with a debit card. We had second thoughts when the scammer tried to get more money from us and realized we were scammed - we confirmed it by contacting the sheriff. We notified the bank and our local police about 1 hour after the payment was made. Since then we have provide all requested information including the scammer 's emails, police report numbers, audio recordings, invoices, etc. The bank notified us by email that they denied the claim. The bank also sent a letter via mail disapproving the dispute dated 1 week BEFORE I sent them all the information they requested. After denying my claim I requested information and explanations from them regarding their investigation such as, who received payment, what was their policy on refunding scammed funds, how they justified the mailed letter stating their investigation was complete and denied my claim before they had all the details, and whether they thought I was trying to defraud them in this matter- they refused my request for all of that information/explanation.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited my retirement check that I have had to wait 4 months to receive. Wells Fargo continues to place blame on everyone else instead of giving a honest and direct answer. Every time I have called I have been told something different. They say the system says it's an issue with the check issuer. I called the XXXX XXXX XXXXXXXX and the XXXX XXXX XXXXXXXX XXXX and spoke to both supervisors who confirmed that there is nothing wrong with the check issued. Then I call today and I am told it's an hold from the Federal Reserve, so I call them. They also confirm that the Federal Reserve has nothing to do with that. I also work for a company that issues proceeds to owners and I have had several owners who ONLY bank with Wells Fargo tell them the same exact thing. If people are depositing checks from different organization, it can't possibly an issue with every organizations checks. Some of these companies are Billion dollar companies. I worked hard for my money and I have been waiting a very long time to receive it and I don't appreciate not having access to ANY of my funds while Wells Fargo is telling me different things each time. It's not fair how much we invest into these institutions for them to turn around and withhold our funds and then blame on everyone else. Once my funds are released I will be looking for a bank.
Consumer complaint received 2024-02-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to address the recent late payments on my account with XXXX XXXX XXXX XXXX. I understand the importance of timely payments and take full responsibility for the delay in settling the outstanding balance.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # 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 an account without my written instructions.
Consumer complaint received 2024-02-14
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (MO)

LVNV Funding is a third party Debt Collector. I have asked in writing for proof that the debt in question is actually mine. They have failed to do so. I keep getting repeated text messages and calls from them. I have disputed it multiple times to no avail.
Consumer complaint received 2023-12-09
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (IN)

I never received any documentation pertaing to the debt, the debt just popped up on my credit report. 
I never received documents pertaing to a judgment order, thru the courts. 
A thirty day notice of intent to vacate was given to property manger and signed by myself and proper manger on XX/XX/2022. 
The unit was vacated and all keys was turned over to the property manger XX/XX/2022.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-01
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. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-05-02
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 (FL)

I HAVE A FEW CREDIT CARDS FROM CAPITAL ONE FOR OVER 20 YEARS WITH A SCORE FROM THE 3 CREDIT BUREAUS OF XXXX. 
I ALWAYS PAID THE FULL AMOUNT ON TIME. 
THIS CREDIT CARD COMPANY CALL ME OVER A LOT OF TIMES TO KEEP INCREASING THE CREDIT AMOUNTS IF I PAY ONLY THE MINIMUM AMOUNT, AND I TOLD THEM NO. THEY WERE HARASSING ME. 
LAST XXXX I HAD SOME REPAIRS ON MY CAR FOR AN AMOUNT OF APPX {$1300.00} AND THE PEOPLE FIXING IT THEY DID A VERY BAD JOB .I HAD NO CHOICE BUT TO PAY THE BILL IN ORDER TO GET MY CAR BACK.

IMMEDIATELLY I NOTIFIED CAPITAL ONE TO DISPUTE THE CHARGES.

THEY TOLD ME THAT IT WOULD TAKE 60 DAYS FOR THIS TO HAPPEN.

I ASKED THEM TO SEND ME A REPORT OF OUR CONVERSATION THEY SAID THEY WILL IN ABOUT TEN DAYS. THE REPORT NEVER CAME. I CALLED THEM IN XXXX XXXX XX/XX/2022 XXXX 2022 NOTHING. 
CAPITAL ONE NEVER CREDITED MY ACCOUNT FOR THE AMOUNT OF {$1300.00}.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.