davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

Recieved loan from one main financial and was charged for services I did not agree too. Currently still paying on loan as it started in 2019. I recently reached out to One Main after seeing this has happened to so many others and was told nothing could be done sing I signed.
Consumer complaint received 2023-05-22
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: TrueAccord Corp. (IN)

XXXX was the original lender of this loan and payments were being made on time and withdrew from my bank account automatically. I spoke with a representative at the company about this matter as well. And to my knowledge it was resolved, however they sent my account and personal information to TrueAccord without getting in contact with me, and I have sense been receiving emails and other contact methods from someone named XXXX XXXX at all times of the day about my information. My information was sold to True Accord without my knowledge and it is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ) ;
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (TN)

In accordance with the fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: LD Holdings Group, LLC (CA)

Hello This is to let you know that the rates that I requested to be locked for my home mortgage ( XXXX buy down ) was not locked at the time and day I requested and it was delayed for no valid reason. I asked for the rates to be locked according to the quotes I was sent by MTH loan agent and I replied back on same day around XXXX to lock it for me. Loan agent sent no reply and I got reply the next day XX/XX/XXXX only to say that market had changed and rates have risen since then. Reason for no reply on XX/XX/XXXX was that agent was not working in the evening ( though it was only XXXX when I asked for rate lock ). I have been asking for rates on XX/XX/XXXX as well but there has been a large delay in my replies and every time I am being a new higher rate quote. 

This has led us to think again if we want to move forward to buy the house for which closing is on XX/XX/XXXX. Theirs delay have caused higher closing costs and future mortgage payments. Increased amounts are significant to us. 

Hence I kindly request you to please consider my request and help us get the rates that were quoted on XX/XX/XXXX. I don't want to say significant higher costs because they delayed things and did not act on my request. Appreciate your help. Attaching the quote as well that I was given on XX/XX/XXXX. Thank
Consumer complaint received 2023-03-14
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. (SC)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX  XXXX XXXX, AP XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00}.
Consumer complaint received 2023-04-24
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank credit card division is refusing to reverse and refund an illegal and fraudulent charges. This is for a business account we have with them. We had a vendor account that was canceled with the vendor. We gave the vendor plenty of cancelation notice. Our card was then still charged and the after receiving emails and calls that the account was canceled the credit card company Capital One has refused to return and refund the charge. We have provided all supporting documents and made several phone calls and waited months for this be resolved with no solution or end in sight other than to fraudulently charge us for an account we canceled and were absolutely clear we did not want to continue the service and not be charged.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (FL)

XXXX XXXX XXXX XXXX # XXXX XXXX. I spoke with all Resolution Dept ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX approximately. I opened a XXXX XXXX XXXX Account on Laurel Road 's website. I deposited $ XXXX. They closed my account and shut off total access to my account and to date they have not returned my funds. I tiredly and constantly reached out to them since XXXX, XXXX trying to resolve this and have my funds returned to me. I continually get the same response that it's still under review. I constantly requested to allow me to assist in this 'review ' so I may reach out to whom ever they need to 'review me ' but they were very vague and secretive. I've been with XXXX with many years so there's a history there of me very simple to see and follow up so it shouldn't take all this time since last year. My local branch XXXX XXXX Assistant Store Manager, XXXX Fl XXXXXXXX has reached out to them in trying to help me. She verified me as they requested a few times. XXXX XXXX has not fully cooperated in returning my funds there always seems to have an issue, excuse, request and put me off with delays and NO response. My 'finally ' after my pushing understanding is that my funds are in some escrow account where I have no access to it and also losing interest day by day. I need my money returned please as I have been obviously most patient, cooperative and kind with them all. My most recent victory was with XXXX XXXX, Enterprise Client Relations Office of the President, XXXX, Oh saying that my 'check was in the mail ' as of XX/XX/XXXX but to date I am back at one. 
This has been most physically demanding on my senior self and would appreciate help in resolving this please, please. Thank you kindly, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank, servicer for PayPal, despite my repeated messages, has not responded to my requests for status of XXXX refunds for the return of merchandise consistent with applicable store policy : ( XXXX ) {$100.00} refund processed by XXXX XXXX and ( XXXX ) XXXX refund processed by Walmart.
Consumer complaint received 2023-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX continues to willfully violate the law. Ive made XXXX XXXX aware on multiple occasions of the adverse, inaccurate information their furnishing on my credit file to the consumer reporting agencies. As a Creditor pursuant to 15 USC 1602 ( g ), XXXX XXXX has failed to submit proof of compliance with 15 USC 1666b and as a furnisher under the Fair Credit Reporting Act has failed to provide such compliance as sufficient evidence to support the conclusion that the late payment information, transactions and experiences being furnished on my credit file to the consumer reporting agencies is verified and accurate. XXXX XXXX has a duty to and is required to furnish accurate information to the consumer reporting agencies & takes its obligations to report accurately seriously, the evidence XXXX XXXX as made available is insufficient to establish the truth and verification of the disputed information. Under the statutory framework, XXXX XXXX as the furnisher must report that its investigation concluded that the disputed information can not be verified and must delete any mentions of the missed payments while continuing to report other information about the account. XXXX XXXX inability to comply with the law has caused me extreme emotional, physical and financial hardship. As a federally protected consumer, I am now revoking and opting out of any and all authorization I the consumer may have given XXXX XXXX XXXX, written, unwritten, verbal, and nonverbal in the furnishing of my nonpublic personal information, transactions and experiences to ALL consumer reporting agencies immediately & indefinitely per 15 U.S.Code 6802. Pursuant to 16 CFR 313.7 ( f ) & 12 CFR 1016.7 ( g ) a consumer may exercise the right to opt out any time. In accordance with 16 CFR 313.7 ( e ) & ( g ) & 12 CFR 1016.7 ( h ) & ( i ) XXXX XXXX must comply with the consumer direction to opt out as soon as reasonably practicable after receiving such notice and such direction to opt out shall be effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (OK)

I have online account with CIT bank. I was in the High Yield savings account. XXXX XXXXXXXX. In 2022, they reduced my interest rate to XXXX XXXX APY and then quit offering the High Yield savings account. They began offering another savings plan called Platinum Savings They advertised XXXX XXXX APY for deposits of > {$5000.00}. However, they didnt notify me and let my funds just sit there only drawing XXXX XXXX  APY. When I checked my account and noticed the low interest rate I called them and they said their marketing team came out with a new savings plan and I could convert my savings to the Platinum plan. They admitted they did not send account holders of the High Yield savings plan any notice of their intentions to reduce our interest to the bare minimum and not notify us.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

On XX/XX/2022 I contacted XXXX and requested to cancel their services as it did not meet my expectations. I was provided instructions to return the equipment to them which I promptly did. Since I returned the equipment I considered the matter closed. Fast forward to now when I viewed my credit reports and realized that XXXX had sent this debt to XXXX XXXX - XXXX XXXX XXXX XXXX in the amount of {$1700.00} and reported it to the XXXX major bureaus. Needless to say that I was very upset over this, as I have been turned down for credit or have been subjected to ridiculous interest rates for my home loan due to the damage this reporting has done to my credit scores. This collection is erroneous and has caused severe damage to my credit report. I am demanding that it is removed immediately.
Consumer complaint received 2016-08-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: P&L Acquisitions LLC (GA)

I received a letter dated XXXX/XXXX/XXXX titled " Litigation Notice '' stating I owe XXXX for a debt and if I do n't pay I would have a judgement filed against me with additional fees and 10 % interest. I called today XXXX/XXXX/XXXX and was informed that the paperwork was already turned into the court and they were filing aggressively since I owned property. I asked if I could have a detail of the charges sent to me and was told NO I would receive a copy when I appeared in court. I informed him it was my legal right to know the charges and he informed me that I was wrong and I would receive them in court. The only information he provided was it was for an old XXXX XXXX XXXX XXXX Credit card that was written off XXXX XXXX in the amount of XXXX. I stated the legal state of limitations in XXXX is 4 years, and he told me that did n't matter. I asked how long do I have to research this and get back with you and was told I have until this Friday! I stated I have never received anything by mail from your company, do you have records showing where I ignored previous attempts to resolve the matter as the letter stated, and he could not provide any dates correspondence was sent. This letter is threatening to garnish my wages, levy my Bank Account, place a lien on my property and suspend my driver 's license. It does not reference any breakdown of the charges or company that I originally owe the debt to. In doing research, I can not find the company the letter was sent under " XXXX '' XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX when I google the address it shows a grocery store. It also states that I will have to pay P & L Acquisitions a 10 % interest as well, and when I google them I found all the false claims other consumers have made against this alleged company and I do not feel safe providing my personal information to a company that can not provide me any documentation showing they own this debt and the breakdown of the charges I owe. Also the person that signed the letter was XXXX XXXX and he states he is a legal Administrator but I can not find any credentials on him as well. Please advise me on how to proceed.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ;
Consumer complaint received 2023-12-07
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: WELLS FARGO & COMPANY (TX)

On XX/XX/2023, I made an online purchase of a drone from XXXX, totaling {$980.00}, using my Wells Fargo credit card. Initially, the expected delivery was about a week away, but surprisingly, XXXX expedited the order, scheduling it for delivery on XX/XX/2023. Eagerly waiting, I stayed home all day anticipating the arrival of the drone. However, upon checking my XXXX account, I was startled to find a notification stating the drone had been delivered. 
Frantically searching, I found no trace of the package at my front door. Contacting XXXX immediately, they advised waiting for potential delayed delivery or filing a police report if the package didnt arrive. Despite waiting, the package never reached me, leading me to file a police report on the same day, XX/XX/2023. 
XXXX assured an investigation upon forwarding the case to their back office. Yet, the next day, I received an email declining a refund or replacement, asserting the item had been delivered, backed by a picture. Frustrated, I reiterated that I hadn't received the package. Consequently, I disputed the charge with my credit card company, furnishing them with all correspondences with XXXX and the police report. 
Regrettably, despite my efforts, the credit card dispute was denied by Wells Fargo. I provided them with detailed evidence, including my exchanges with XXXX and the police report number. It feels unjust to bear the cost of an item that never made it to my hands.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Credit collections Services is reporting this as collection on XXXX and XXXX I have disputed and asked for the debt validation as i have no knowledge of this and never requested any services nor made any agreement with them. 
I have requested in writing that they cease and decease 's all communication regarding this fraudulent account. 

15 USC 1692C ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication. 
If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Im extremely concerned because its the same time happening in less than 3 months that Bank of America hold my funds with the excuse the policy when its the same check company for more than 3 years this its concerned me like a costumer why Bank of America its holding costumer funds for so long when we trust to deposit our money in their bank, I demand Bank of America release my fund immediately oh I escalate this situation
Consumer complaint received 2024-04-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (TX)

I have a XXXX XXXX  on XXXX out of XXXX of my student loans. I was told by MOHELA that the XXXX remaining loans would " automatically '' go into XXXX XXXX  once the grace period ended. That did not happen. Those XXXX loans are now in a " repayment '' status and I am being informed by both MOHELA and the US Dept. of Education that I am late on paying those XXXX loans. 

I had a feeling MOHELA would be incompetent so I called them repeatedly BEFORE my first payment was due to confirm that my XXXX XXXX  would be applied to ALL of my student loans. I also have messages proving this. I will attached them as XXXX  and screenshots as evidence. 

After a lengthy stay in the hospital I came home to find out that my XXXX XXXX  was not applied to all of my loans even though MOHELA said it would be. This is causing damage to my credit score, interest is accruing, and I am being fined for being late in paying.

Here is where things stand now : I called MOHELA today and began speaking with an agent named XXXX ( ID extension XXXX ) at approximately XXXX XXXX  CST. She told me that it will take XXXX business days for my other loans to go into XXXX XXXX. This does not make any sense to me. XXXX of my XXXX loans went into deferment immediately yet the XXXX others will take XXXX business days? Also, I am being notified from both MOHELA and the US Dept. of Education that I am late in paying on my loans. Her response is that nothing negative is being reported to any of the credit agencies and that my interest on the loans will be " retroactively taken back '' in XXXX business days. I'm sorry, but I can't trust MOHELA to make good on this promise. Their previous promise that my loans will " automatically '' go into deferment after the grace period did not happen.

I would appreciate it if you could start looking into my situation now. I don't trust MOHELA to do the right thing.