davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (GA)

In XXXX I was diagnosed with XXXX. i used up my FMLA and was unable to work. I never had trouble paying the, even though i was paying back three ties the amount given. At the time I called the company and told them about my situation and the fact that I had no income. I have now received social security but it only covers the Cobra insurance so I can receive my treatments. Then COVID 19 came and the lockdown. At the time I owed XXXX dollars, that they could write off but instead of seeing how I had already over payed them, they started to call me frequently. I know they could worked with me better. They prey on desperate people with good intentions. The pay back amount should be illegal. You may say we see the terms, but they also see our income and know the possibility of hardships. I have paid them back thrice the amount.
Consumer complaint received 2019-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (PA)

Lived in XXXX  housing given to my former wife being XXXX XXXX XXXX XXXX. till we were wrongfully evicted on XX/XX/2015 leaving XXXX XXXX service member and her family homeless on XXXX and essentially the rest of her XXXX  period. Tried to work with company to clear things up and work with them beforehand yet they were very rude and unwilling to even attempt to be human. After eviction, the stress aided in separation of wife and I which led to divorce. After this I heard nothing more about any debts owed or collections being taken until i started checking my credit report recently. So, in short, I sum it up in two bullet points 1. Wrongful eviction so anything needing fixed or replaced would have at actual end of lease which means debt owed is on them not us.

2. The paperwork Ive seen all says the past wifes name, not mine.. I have received no mail, email, paperwork, or even phone call about it.. so I take 0 responsibility for this account.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NH)

On XXXX, I opened a " High-Yield '' savings account with Citibank by clicking through an offer provided to me in the Citibank mobile application. As shown in the attached screenshot, the rate that was advertised to me was 1.6 %. I had to call Citibank Customer Service later that day on an unrelated issue and asked them to confirm the interest rate since the online banking portal showed a rate of 0 % on the new account. They told me that they thought the rate would be 1.55 %, but that they could not be sure because the account was so new ( a few hours old ) and asked me to call back the next day to confirm. Because of the apparent discrepancy, I went back to the mobile app and took a screenshot showing that 1.6 % was being advertised. When I checked back the next day, they confirmed that the rate was not what I had been shown. After a few days of getting nowhere with their customer support, they finally opened a " request '' on my behalf on XX/XX/XXXX to investigate the issue. On XX/XX/XXXX, they responded with a letter saying " We reviewed our record 's [ sic ], as per our research interest rate is 1.40 %. We have confirmed that this was calculated correctly and no adjustments are necessary. '' So they were now saying that the rate should only have been 1.4 %, not 1.6 % or even 1.55 %! After calling the bank again and once again getting no satisfaction, I decided to open a complaint here. While I understand that interest rates can change on an account after it is opened, the banks should be required to at least START at the rate advertised when someone signs up for an account.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is 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 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I was contacted on in XXXX of this year 2019 by XXXX XXXX XXXX , XXXX saying I owe them {$310.00} and asked me how did I want to pay it. 

I asked them why I owed them {$310.00}. They said because I took out a payday loan from California Check Cashing 5 years ago and never paid back the loan. 

I asked them if they were California Check Cashing? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. 

I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. 

Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe Cash Central and XXXX  XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to XXXX XXXX XXXX XXXX XXXX Then all of a sudden I get a collection reported on my credit report by California Check Cashing so it appears, but the address is the same address listed on the XXXX XXXX XXXX XXXX XXXX letter I received and same as on their website. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened in XXXX of 2019, this is fraudulent and unfair debt collection practices. 

False Reporting on my XXXX  Credit Report
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have sent in a copy of my ID with the correct mailing address to Experian, XXXX   and XXXX and they each have refused to update my address. I have recently received a letter stating that my mailing address was changed from the address that I instructed to another address that is not my address but a relative of mine. I have never used that mailing address.
Consumer complaint received 2018-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Good Afternoon! In 2009 Pres. Obama gave the banks money and bailed them out ; many claimed loses on mortgages. My mortgage had been securitized several times I learned about securitization from the XXXX XXXX XXXX Ocwen now is " servicing '' the loan, which is now approx. {$40000.00} under water/upside down. Ocwen has never reduced my mortgage by that amount ; they were not the servicer at the time ; it was XXXX XXXX. That company only would offer a " modification '' I contacted the att'y general in my state of New York . I was told that they would rectify the situation. After investigationg, I was told that the modification would be a first step to hopefully reducing the principle to get it back above water/rightside up. I did take the modification, however the mortgage wasn't reduced it now had a Ballon Payment at the end of the loan term of some approx. {$30000.00}. 

I need help getting this principle reduced so that I'm no longer under water/upside down in this mortgage. Also, if XXXX XXXX did take money from the gov't. to be bailed out I want MY BAILOUT
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (PA)

There are debts that appear on my XXXX  credit report for companies that I have never been contacted by. I have received absolutely no phone message, emails, or letters in the mail regarding any of my medical debt. 
XXXX XXXX XXXX Simons Agency Inc Neither of these companies have contacted me in any way regarding the debt that appears under their name on my XXXX  credit report.
Consumer complaint received 2022-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am demanding deletion of all personally identifiable information from my consumer credit report with the exception of : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
This is a demand that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (VA)

The credit card company closed my card without notice on XX/XX/2020. I was not past due or defaulted on any payment. As a result of the closure my reward points could not be used. I was told that I did not have enough reward points to redeem. If I had been given notice of closure of my account I could have ensured that I have enough points to redeem. The lost value of my points is around {$20.00}.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I had agreed to a settlement offer on a charge off that was on my credit report and they agreed to show a XXXX balance once it was settled. After payment they only reduced the total the amount i paid even though it is settled in full and nothing else owed according to the agreement. Please help me to get this reporting to a XXXX balance. It was what we agreed on to begin with. Thanks
Consumer complaint received 2020-06-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hey back on XX/XX/2020 I had applied for different XXXX cards and they had denied me but said if I can prove within 90 days there information was inaccurate they would approve me under the fair credit reporting act and reverse the decision. The application # was XXXX & XXXX. I will send you my transunion score and utalization they said was high but it's only 2 percent so was looking for them to reconsider. I'll also send you letters they sent me saying utalization was the issue I knew they were mistaken. I called today they said transunion I need to contact. Transunion said everything is good and I need to tell XXXX  that but going around in circles.
Consumer complaint received 2020-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AMERICAN EXPRESS COMPANY (TX)

I called American Express during Cov19 and asked about any way to skip payment due to the virus. They stated that I could lower my payment but not skip a payment. I said that would be great as long as it did not effect my account or credit. They stated everything would stay the same including my credit limit and I could continue to spend. So they set up a Automatic payment because this was the only way to get into the program an started drafting money out of my account during the historic disaster. But what they did that really upsetting was removed all my credit that has taking me 10 years to build up and make my new balance the same as what is due and removed all credit I had built up over multiple years. I called back in but they say that due to the virus the are taking too many escalation calls and would have to call me back, no calls back. I have made two calls with no success to resolve this matter and they keep drafting money out of my account and will not stop. This is predatory behavior for good customers and all they are worried about is the money during a disaster.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (MD)

We have mortgage wit h Plaza Mo rtgage. At the time we applied and got approved we put 5 % down and we had to pay PMI till we reach 20 % equity. We have done substantial renovation and  XXXX  story addition to the house. In a result of that our home value went up about {$150000.00} that what we guess. We applied for the PMI being removed by doing an appraisal. However they refused to grant this request as they are asking us to pay at least two years of mortgage and then they would consider the appraisal and look in to the PMI.   We are paying {$220.00} per months and that could go against our principal instead.   We are requesting an appraisal to find out the value of the house to determine if we reach 20 % of the home value in equity.   Thanks
Consumer complaint received 2022-01-22
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. (AL)

Accounts and records XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX are not mine. I am coming to you to contest against accounts listed under my name and I know are not mine. I have sent several letters to the company and credit reporting agencies on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted the listed companies as well. It is stated per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company. I am fully aware that NO court system provides any type of court filing of bankruptcy or record. Where are you actually getting the record from and what authority do you have to give that information?
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I attempted to withdraw {$50.00} from XXXX XXXX XXXX ATM at XXXX XXXX XXXX XXXX XXXX MA on XX/XX/2023. The machine gave an error message and did not issue any funds. I was still charged the {$50.00} plus the {$2.00} ATM fee. After notifying Bank of America, they issued me a temporary credit while they conduct their own investigation. After which they concluded they found no wrongdoing. I filed a complaint with the Dept of Banks which referred me to this site to try to resolve this issue.
Consumer complaint received 2019-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

To whom it may concern, There is an account that was opened under my name without my consent and I have it attached. I want it to get remove of my credit report. I contacted FTC also.Thank you for your help in advance.
Consumer complaint received 2023-01-15
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account numbeXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX 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 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/year> I was notified by Chase that a plane ticket I had purchased had a change in itinerary and I needed to go online to accept the changes. When I went to see what the changes were I saw that they had changed my return flight ticket from XX/XX/XXXX at XXXX to XX/XX/XXXX at XXXX. The flight arrival time was the same ( XXXX ), but the departure got moved approximately two hours earlier. Both original and the updated flights were departing from XXXX XXXX XXXX XXXX and arriving in New York XXXX. The updated flight was showing a total duration of 1 hr, although the original flight was direct and lasted approximately 5 hours, and the updated duration should've been 7 hours 10 minutes. This led me to believe that they had changed the flight to include a layover, however where the layover was was not displayed, it was just showing that I now had a " one hour flight '' from XXXX XXXX XXXX to XXXX, with a departure time of XXXX on XX/XX/XXXX and an arrival time of XX/XX/XXXX at XXXX. 

I booked the plane tickets through Chase 's travel agency that is a free benefit associated with the credit card. 

I called Chase 's travel agency on XX/XX/XXXX to try and resolve the matter and was on the phone for over an hour without a successful resolution. 

The agent told me that she could also see that I now had a layover, but couldn't or wouldn't tell me where the layover was. At the time of booking the original flight I paid extra to ensure that the flight would be direct, as my husband has to apply for visas in many countries and we didn't want to risk a layover, and I have a physical XXXX that makes travel difficult and so it was worth it to us to pay extra for a direct flight. 

Chase went back and forth between not admitting that it was not a direct flight, and saying that if there was a layover they were unable to tell me where it was and I needed to call the airline. When I called the airline the airline told me that they could not give me any information about the flight as I had booked through a third party, Chase. 

Finally Chase offered us the same flight we had been originally booked on, but on an earlier date, so we are now on a flight that departs on XX/XX/XXXX and arrives on XX/XX/XXXX but is direct. I do not find this to be an acceptable solution, as we again paid extra to fly on the date we had originally booked which was a Sunday and Sunday flights are much more expensive than Saturday evening flights. Chase maintained that the issue was with the airline ( but would not tell us why the flight had been changed or confirm that we had a layover ) and would not allow us to rebook our flight with a different airline without cancelling the entire flight, paying cancellation fees, and then booking a new flight entirely which is not a reasonable solution and would've been much more costly.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world