davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (MO)

My card was compromised on XX/XX/XXXX for XXXX transactions for {$100.00} and {$100.00} this really put me in a whole I tried to dispute and order a new card then on XX/XX/XXXX my dispute was denied instead of investigating for 90 days they denied my dispute and I even sent supporting documents and contacted the merchant they investigated and said my card was compromised
Consumer complaint received 2017-05-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TAMMAC HOLDINGS CORP (MD)

Tammac Holdings Corp was paying  XXXX  a month for  XXXX  year loan  XXXX  payments starting  XXXX  for a  XXXX  dollar mobile home.   struggled in  XXXX  so they were able to lower to  XXXX  a month with modification loan.   I email them in  XXXX  to find out when loan will be paid off and Tammac said you have  XXXX  left but with  XXXX  payments left at  XXXX  a month. So now loan has another  XXXX  years just for knocking down payment  XXXX  a month at  XXXX  from  XXXX . Its a loan modification And was to be paid off in year  XXXX . So they are saying  XXXX  payments left and that adds up to year  XXXX  roughly. So i am paying  XXXX  in interest which is completely insane or even  XXXX  in interest. All of this just to modify home for a lower payment.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Auto Advantage Finance, LLC (OK)

My husband 's card was hacked and they got his entire paycheck. I contacted the finance company to attempt to defer a single payment. I was informed that there were no deferment options due to policy charges that were not passed on to the customer. They continuously change their policies and never inform customers about the changes. My loan is nearly paid off.
Consumer complaint received 2017-05-08
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. (CO)

XXXX  has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.      XXXX  is the one who put the fraud alert on the report then they notified  XXXX  and Transunion to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MI)

I had a check for XXXX in my account my account was hacked and I was able to get some of my money back but not all of my money and my bank is refusing to do an full investigation my account was compromised and somebody was XXXX out of my account like XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my bank is refusing to hand me back over my funds I ended up closing the old account and making a new one
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing this complaint in reference to XXXX account ending in XXXX, with a remaining balance of {$0.00} ; which was satisfied on XX/XX/XXXX with the agency that the account was sold to, XXXX XXXX XXXX XXXX. My complaint is with Experian as I have disputed the incorrect information with them several times within this past year and they do absolutely nothing to correct and remove the negative tradeline per FCRA guidelines. Also, instead of following applicable Federal FCRA laws and removing the account due to multiple reporting inaccuracies, Experian takes my dispute and sends to XXXX, who in turn does absolutely nothing. I as the law abiding consumer get left holding the bag for interconnected oligarchs that commit financial crimes. 

Lenders and finance companies that I apply to deny me funding due to the negative collection account that XXXX reports to Experian and XXXX. In addition, XXXX has written this account off on their taxes shortly after the year XXXX, sold the account to another agency that I paid off, yet falsely represents this account as themselves being the debt owner. Experian reports on my credit file for this account as being 120 days late in XXXX of XXXX, then 120 days late in XXXX of XXXX which is mathematically impossible as this is only a 30 day time frame I disputed this with Experina 4 times since XXXX of XXXX. This is a FCRA " Metro 2 '' Compliance violation. Date of last Activity is XX/XX/XXXX yet Experian reports this information as XX/XX/XXXX, which is incorrect and another compliance violation. The text in the comments section state that this account was sold to another lender, yet they do not list who the lender is which is another FCRA metro 2 violation. The Original creditor field is also left blank. They are not only hurting my credit file but they're also breaking consumer laws with no justification for doing so and have not given any explanation for doing so until this day of XX/XX/XXXX. All relevant documents that prove my claim have been attached to this complaint. I need this account removed from my Experian credit file immediately upon receipt of this complaint due to multiple FCRA violations including incorrect, incomplete credit entries, and making false representations of historical credit data.
Consumer complaint received 2023-08-17
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The coolant claims i allied XXXX XXXX XXXX XXXX card. This must have been fraudulent as I did not apply myself. They have since been harassing me constantly about it calling at all hours of day and night and using illegal tactics to try and get me to pay.
Consumer complaint received 2021-05-29
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. (FL)

In XX/XX/2021 I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for XXXX XXXX  to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2021-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

Shell Point / New Rez, continually harasses me to refinance my existing loan. 

They are offering Predatory Lending scenarios that simply have no Tangible Net Benefit for my financial welfare. I have asked them to end my MI and have been given the runaround. The last straw is the letter I just received showing a schedule of my MI continuing into XXXX, and trying to scare me into a new loan. I have in my Closing Documents a Scheduled payment report showing clearly that my last MI payment will be XXXX of XXXX. 

This is very troubling as they must be doing this to many other unsuspecting borrowers. 
Offering a teaser rate and then, in the end, the APR is higher than your existing rate is simply Predatory and false leading. Misleading consumers about MI insurance and using this to get people to refinance with them must be stopped, Thank you : XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Good Afternoon, I have made several attempt to contact experian credit bureau for an inquiry that is  XXXX   XXXX ,  XXXX   XXXX  and today  XXXX   XXXX   XXXX  reported for the incorrect date of removal  XXXX   XXXX   XXXX  Date :  XXXX  unspecified Reason : This inquiry is scheduled to continue on record in  XXXX   XXXX . That inaccurate it should be  XXXX . They refuse to remove.   Please Help Thank you
Consumer complaint received 2023-08-17
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

I lost my debit card and charges of XXXX from a XXXX in XXXX were made on my card on XX/XX/2023. I know with certainty I did not make these charges as the day the transaction was made I was at work in XXXX XXXX XXXX, leaving for work at XXXX, then going straight to the XXXX XXXX at XXXX. I did not arrive home until XXXX. Furthermore, I drive a XXXX and there is absolutely no way or reason in which I would ever spend my money on gas, especially in the city of XXXX when I work in XXXX XXXX. I am frustrated and disappointed with my bank and would like a resolution for these fraudulent payments.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

The credit card concern is with a deferred-interest card, Care Credit. As you will see on the attached spreadsheet, payments were made to satisfy each of the expiring charges. I'm told that, because a charge made in XXXX which promo period expired on XX/XX/21, and a coinciding payment of {$3000.00} was made, that the company applied the {$3000.00} to a previous charge which promo period didn't expire until XX/XX/21. 

As you will see on their receipt, they apply payments to the earliest expiring charges. They didn't do this and, consequently, charged me {$260.00} in interest charges. They asked if I'd called in to advise them how to apply the {$3000.00}. How would I know to do this when their own documentation states they'll apply payments to the earliest expiring charges? They refuse to acknowledge that timing of charges and payments may have caused in an inappropriate application of monies received. I also don't completely understand why one charge expired XX/XX/21 and the subsequent charge expired earlier than that. But that's neither here nor there. Please advise as repeated efforts, by phone and via email, have yielded nothing but obstinance that they could do no wrong.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Center Street Finance, LP dba CSF Servicing (FL)

I am writing to dispute an erroneous account on my credit report. I have never conducted business with Center Street Finance, nor did I open any accounts in XXXX  or experience a car repossession in XX/XX/XXXX. This account is entirely fraudulent and I request its immediate removal from my credit profile
Consumer complaint received 2021-05-28
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: AMERICAN EXPRESS COMPANY (NM)

Dear Sir or Madam : I am writing on behalf of XXXX XXXX XXXX in regards to the four ( 4 ) airfare tickets he purchased using his American Express card in XX/XX/XXXX. The airfare was to travel to XXXX, XXXX, departing the US on XX/XX/XXXX. Upon purchase XXXX XXXX understood that if there were restrictions in XXXX due to COVID he would receive a full refund less cancellation fees. XXXX XXXX also understood that if flights changed significantly he would receive a full refund. 

Both events occurred. 
At the last minutes, the time of departure was changed by almost 12 hours. This created a conflict due to a previously scheduled doctors appointment. XXXX also announced a strict 14 day quarantine for any arrivals. XXXX XXXX contacted XXXX XXXX and initially had difficulty receiving the refund. He then disputed the charges with his credit card company, American Express. After trying to work with XXXX XXXX he finally received communication from them stating that he would receive a refund if they release the credit card dispute. He did so on XX/XX/XXXX yet American Express has not refunded any of the travel expenses. 
An email from XXXX on XX/XX/XXXX informing XXXX XXXX that they can not process the refund until he provides confirmation from the credit card company that he has withdrawn the disputed charges. It specifically says Once we receive the withdrawal letter is when we can take further action to process the refund. XXXX XXXX removed the dispute, but for almost 2 months XXXX XXXX refused to issue said refunds and also sent the charge back to American Express to be billed. At this point, American Express refused to help any further, even though we told them that XXXX XXXX refused to help us. We think it is unethical of American Express to provide us no protection at all in the time of COVID, and we solemnly request a full refund of {$3300.00} from AMEX back to XXXX XXXX instead of sheltering the unethical company XXXX. Please help us to recover our funds from AMEX. Thank you.
Consumer complaint received 2017-05-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I am very confused. Many years ago I put complaint with  XXXX  now Navient and I knew they wer misinforming me. Also, corrupt practices on interest calculation. I was so   XXXX   and felt I had no choice or options. Now I am on social security and can not afford the payments. I have been extremely misinformed over many years. The interest calculatios are fraudulent and corrupt. They need to remove some of this interest.
Consumer complaint received 2021-05-29
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. (TX)

I have a XXXX Balance and Closed Account with XXXX XXXX, as of XX/XX/2021. 
On XX/XX/2021 XXXX XXXX of Obudsman and XXXX XXXX  XXXX reported a Negative Remark to XXXX, impacting my credit score -54 points. 
I NEVER disputed my XXXX  Credit Report during the previous months, so why did XXXX or XXXX add Negative Remarks to my XXXX  Credit Report?
Consumer complaint received 2021-05-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: London & London (NC)

I sent to this company a letter after calling them for about 3 hours, when you call the company they tell you that they have limited staff because of the covid. I have been working on my credit for about 4 months, I had advised the credit bureau that I had no knowledge of this company or this bill that they were collecting for. The credit bureau took it off of my credit report. Checking on XX/XX/2021, I found this company back on my with a different number and now the company has me owing 3 times as much. When I originally contacted the credit bureau 's I asked them for the original paperwork that had my signature listed on it and the status. If it was my debt I would have paid it off, but the credit bureau 's took the company or shall I said the company who bought my supposedly account. XXXX XXXX who bought my account had an attorney 's office collecting it for them. When looking at my credit report on the XXXX, I was fabregessed and sent to the floor. When I saw what XXXX XXXX and London & London had done to me. Even today today is the XXXX of XXXX and I called and London & London a couple of times today and still no answer trying to get in touch with these people. As I stated earlier in this I was on the floor, from such a blatant lie. I could not believe this, all they had to do was show me the original paperwork and this all could have been taken care of.
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (MA)

I received a bill from a collection agency called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It stated that PayPal had turned over a debt that I had incurred with PayPal for {$1000.00}. I have NEVER used Paypal for that amount. I called XXXX to ask them to explain what the charge was. They wanted me to give them my SSN and date of birth which I would not do. They suggested that I contact PayPal. PayPal told me that I had a zero balance and owed nothing nor were there any records of me ever owing that amount. They told me not to worry about it. My concern is that if I had mailed {$1000.00} to XXXX, what would have happened to it? I read on the PayPal site that other people have gotten bills from XXXX and did not owe PayPal any money either. I XXXX  XXXX and it says that it is a legitimate collection agency. I am writing you to alert you as to what must be fraud perpetrated by either the collection agency or someone else.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NV)

I went to withdraw my last XXXX that was left from my taxes in my account and was told my account was closed this happened on XX/XX/XXXX was told for suspicion of fraud then was told my funds will be mailed to me I didnt do any fraud went in bank to withdraw money few days later fraud alerts its now XX/XX/XXXX and no check I keep being given the run around I have went homeless due for me being due on my rent and that was my money to pay it and yeah i dont know what to do any longer
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

these are fraudulent inquiries and i want them removed I have had a fraud alert on my account since XXXX would like for these inquires to be removed creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, XXXX dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Account Name : XXXX XXXX  Account # : XXXX Balance Owed : {$0.00} Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, and XX/XX/XXXX. 


I am not sure how I was late in those months. I remember paying this on time for the month of XXXX to XXXX. There were months when I received my statements late, particularly in XX/XX/XXXX. 


Account Name : XXXX  XXXX XXXX Account # : XXXX Balance Owed : {$28000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late in those months. I have always paid this account on time, I might have gotten my statements late, but I've been making payments on this account. 



Account Name : XXXX Account # : XXXX Balance Owed : {$18000.00} Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I was not late from XXXX to XX/XX/XXXX. I have paid this on time, I'm not sure how it appears late in my credit report. It did not match with the records that I have from the creditor.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.