davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2020, my payment was received late. I explained to the credit bureau and XXXX XXXX  that my payment was late due to an error. XXXX XXXX didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.
Consumer complaint received 2022-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc. (PA)

I was looking for a loan to consolidate my debts 3 credit cards 1loan total of what I thought was around XXXX dollars now this company Beyond Finance said they could help me but the interest was going to be very high. so if I wanted to get on this program they have I could get a very low interest. well I said that is what I want so we signed the paperwork and set up payments direct deposit from my bank account I trusted them but 3 mouths later I find out it was not a loan but some other tipe of consolidation I called them because I was still getting bills from the card company 's my credit score was in the upper XXXX I was not in default and a perfect payment report I just wanted a loan to make everything into one payment. This company scamed me
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is a XXXX account listed on my report and the details of the account are being reported inconsistently amongst all 3 bureaus. The information such as dates etc is not the same from one bureau to the other, but if its the same account why is the information different. Someone has not done a good job of doing a proper investigation. I listed in detail in my letter to each bureau exactly what is incorrect and they each come back and say the accounts have been verified when clearly they have not.
Consumer complaint received 2023-01-06
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. (PA)

I have called Experian number of time, as recent as today ( XXXX ). I have numerous hard inquiries that I did not authorize and sign for from XXXX, XXXX and XXXX. When I can Experian, I am told that the inquiries can not be removed. I know that the FCRA ensures that I have the right to dispute these because of inaccuracy, being incomplete or unlawful. The same applies for XXXX.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

To Whom it may concern I went to Walmart to grocery shop. when I reached the cashier she asked me if I would like to apply for a Walmart credit card and I said yes she asked me a few questions and they replied back with what looked like a receipt. I looked it over and agreed to the terms and conditions. The card was through XXXX XXXX. I then signed my name at the bottom and gave it back to the cashier and she gave me a copy. My Walmart Credit card came in about seven to ten business days. I received a bill the next month after using it. I never paid what they would ask me for I always would pay more so I stopped opening the bill because I always paid three to  XXXXour times more then what they would ask for. About the end of the year I called to pay my bill and I noticed that my payment amount was very high. It left from been under {$100.00} to been over {$200.00} dollars. they informed that my due date had changed. I asked them why but they could not tell me why so went on and pay what I normally pay. Well by XX/XX/2020 when my bill came I opened it and it was still very high so I call them again and they said that because my due date had changed they were charging for 40 day instead of 30 days. So I asked them to change my due date back to the original date that I had from the beginning. After they did not do that when I got my bill for XXXX I realized that this was not XXXX XXXX it was Capital One I did not want to do business with Capital One because their APR was too high for my plus I never signed a contract with Capital One. I decided to just pay the bill each month until I pay it off. On XX/XX/2020 I decided use another card to do a pay off because I had a free APR with this new card for a year so I called Capital One for my pay off. My bill said my balance was {$4400.00} but the customer service representative said my pay off was {$4500.00}. I don t understand that. I thought when you pay the entire balance the interest rate comes off and it lowers the balance amount that you would have paid if you were paying a bill each month. Pius Capital One is behind on sending my information to the credit bureau.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have tried several times to resolve an issue with XXXX, this company is reporting late payments to my personal credit reports. I have submitted all the proper documentation and sent letters of dispute to the President of the company, still no resolution. The inaccurate information being reported has hindered me from being able to purcahse a home. 
The report is inaccurate as I was enrolled in-school and account should have been enrolled in in-school deferement, therefore no late payments should have been reported. My first payment was due XX/XX/2017, I graduated XX/XX/2017. 

The company that is reporting inaccurate information : XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2020-06-19
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. (GA)

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION (MA)

My wife and I were approved for a loan and scheduled to close on Monday XX/XX/2020. We signed closing disclosures docs on Thursday, XX/XX/2020. On Friday, the closing attorney contacted me and said they hadn't received the closing package from the bank and couldn't schedule the close until they did. We tentatively set XXXX XXXX  until the package was received as the time to close on Monday. When Monday came, the attorney called as well as the homeowners policy agent regarding the closing. I had told everyone including the seller 's attorney and seller 's agent the loan would close Monday. My loan officer sent an email on Thursday confirming this. On Monday, I called the bank. They said they were still working on it. My wife and I were hopeful it was just because the bank was busy. On Tuesday, the same issue occurred with higher frustration from everyone. When I finally got someone from the bank on the phone, they said my wife 's income was no longer valid as part of the application because she took maternity leave from her part time job. She is still working at her primary position and the only one used for the mortgage application because of qualifying factors.
Consumer complaint received 2020-08-07
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: NCB Management Services Inc. (AR)

I've recently been in contact via mail with all three of the major consumer reporting agencies regarding fraudulent established accounts reporting on my credit file. Currently a company by the name of NCB Management is reporting a fraudulent auto loan on my XXXX  and XXXX  credit report after being notified from the bureaus of the most recent status. In addition the open date reporting is totally inaccurate and doesn't match the open date of the original fraudulent account reporting on my credit file. These inaccuracies are grounds for immediate removal and violates both the Fair Credit Reporting and Fair Debt Collection Practice Act. I have previously been denied credit due to these inaccurate accounts reporting and find this being totally unacceptable due to the length of time this issue has been going on.
Consumer complaint received 2020-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (GA)

Unfair and deceptive practices! We are at XXXX XXXX XXXX and decided to use PayPal to process our credit card transactions. We went online and processed the credit cards. PayPal said there is a 21 day hold on funds because XXXX XXXX wasnt used to do this, that I used PayPal Here. Which it also allows you to do virtual card processing. It is confusing and deceptive in order to hold money and make interest. They currently have a hold on over $ XXXX. With the country halfway shut down and money is tight they refused to offer any type of onetime resolutions. We sell a service not products so we do NOT have shipping labels.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

In XXXX XXXX, an amount of {$950.00} was charged to the HomeDepot Consumer Credit card with a 0 % promotional period for 18 months until XX/XX/XXXX. 
Over the next months, minimum payments were made with some additional purchases without promotional offer. 
On the XX/XX/XXXX statement, the total balance grew to {$2200.00}, incl. {$1500.00} regular revolving balance and the remaining {$660.00} of the above promotional balance. So far no issues. 

On XX/XX/XXXX I made an online payment of {$1600.00} with the intent to pay off the regular revolving balance completely to avoid being charged monthly interest. However, instead of applying the payment to the balance with the highest interest, Citibank chose to first fully pay off the promotional balance of {$660.00} which still had about 10 months of the no interest promotion left to take advantage of and only the remainder to the regular revolving balance. 

Toward the end of XX/XX/XXXX I called Citibank customer service to correct this and request the desired allocation, i.e. complete pay off of the revolving balance. During the lengthy conversation the agent agreed that it should not have been applied the way it had been and promised a correction with the new and corrected balances, incl. crediting of any overpaid interest, within 1-2 billing cycles. 
By XX/XX/XXXX four billing cycles later - it still had not been corrected and unnecessary interest accumulated on the account. 

XXXX or XXXX. I called Citibank again, explaining the situation and it was promised it would get corrected, again in 1-2 billing cycles. 
It is now XX/XX/XXXX, again 4-5 billing cycles later, and it is still not corrected, continuing to accumulate interested charges that only benefit another seemingly money-hungry bank. 

At this point, I can only assume willful disregard of my rights. Incompetence is an option, and though it would not be surprising, I deem it unlikely. Technical capabilities should not be hurdle either, as direct competitor XXXX has no issue whatsoever with a very similar situation and is even able to confirm the change in writing. 

I believe no statements need to be attached as documentation, as Citibank will have all that information and more readily available for review.
Consumer complaint received 2022-11-05
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. (TX)

MY INFORMATION WAS COMPROMISED AND THESE ACCOUNTS WERE CREATED AS A RESULT OF MY INFORMATION BEING STOLEN. 

ALSO I CONTACTED THESE COMPANIES AS WELL AND DID NOT GET ANY RELIEF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-07
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: JPMORGAN CHASE & CO. (TX)

Reference case # XXXX. 

This was closed prematurely and I have been continually trying to follow up with Chase before re-submitting here. 

Please investigate my dispute according to the original case, thank you.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For the past several years I have had excellent repayment status on all of my credit reports for XXXX and my student loan. Over the past 2 years I have attempted to remove information that is negative and/or over 7 years old even as old as up to 20 years old off my report from XXXX and most notably the Department of Education. I have many examples from my XXXX credit report showing wrong information and it needs to stop. If accounts are closed they can not be updated to continue on my record for 20 years! XXXX and Department of Education are not immune to Fair Credit! XXXX is just as guilty for allowing their illegal practices to continue.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX I was notified of fraud on my card. Contacted Capital One and they closed account and issued new card. 

XXXX I filed a fraud complaint with FTC for the credit card and additional fraud on my taxes. Same time I placed a security alert with all the credit bureaus. 

XXXX XXXX  reported fraud to Capital One based on my security alert and the FTC report they needed. Someone failed to read the entire report since the fraud was already resolved by Capital One. Capital One closed my account and will not reopen. 

XXXX I submitted explanation letter to Capital One to have account restored. Have never heard from Capital One regarding this matter beyond my numerous calls and conversations with fraud supervisors. They have informed me that we have submitted all the paperwork needed and it was just a matter of time. 

Multiple other dates of calls to Capital One. Last one being today XXXX. 

I must get this resolved since a vendor returned {$940.00} to my Capital One card. I have no access to these funds per Capital One since account is closed. In addition, the account being closed I have also lost access to approximately {$420.00} worth of store points at Cabelas. 

I am simply asking Capitol One to restore my credit card which should allow me access back to my points and allow me to receive a refund of returned funds. 

I've paid all my balances on the card which they were able to mail me an invoice after account has been closed. But in the meantime they have never reached out to me to resolve this issue since I have no access to account. 

I look forward to your response.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, I am currently an authorized user on 2 of my cousins account. I been paying responsibly. My issue is XXXX and XXXX are not reporting it to transunion and other credit agencies. It shows up on my XXXX  which i will show you in my pictures. I have called both XXXX  and XXXX and both companies said they would update this and have not done so. Which is effecting my XXXX score which I will also show a you a picture of difference between my transunion and XXXX. All I am looking for is for everyone to have my accurate information on file. To my understanding of the fair credit report act this situation should have been fixed as it's been over 45 days and this is still not updated.
Consumer complaint received 2020-08-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

CREDIT ACCEPTANCE IS THE WORST! 
Tennessee law requires that your lender send you a 10-day letter after it has repossessed your car. This letter is official notice that youre entitled to redeem the vehicle by paying off the loan, plus fees and costs associated with the repossession. You then have 10 days to come up with the money, and your lender cant sell the car until after this redemption period has passed. 

Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower doesn't need, doesn't want or can't afford. 

Prepayment penalties plus they made my note seem cheap just to add unnecessary charges and taxes when I tried to pay. 
When I extra and paid on time I was still marked as late. AND LITERALLY NOTHING WENT TO MY ACTUAL BALANCE. 
My car stopped working two days after I got it, I notified them. They wouldnt do anything about it or defer at least one payment. When I finally got it back working. The ALTERNATOR AND STARTER WENT OUT ON A 2014! 
I told them that this goes against LEMON LAWS ( literally the same week I got my car ) I WAS PAYING A NOTE ON A CAR I COULDNT USE FOR TWO MONTHS!! The MOTOR WAS BAD. They gave me the car and supposedly it had a oil change. WHY WAS BLACK TAR COMING OUT. The pieces connect to the oil container were melted on and the piece had to be broken off at XXXX. Over {$600.00} for the replacements. they wouldnt give me the info to do a LEMON LAW claim so I mailed it to them! Which is what the state says to do to claim lemon laws and they are supposed to forward it. 
They failed to notify me of selling the car ( AFTER I TRIED TO GET IT BACK the next day!! because I put a lot of money into it AND THEY WOULDNT GIVE IT BACK ) which is required BY LAW. I literally had the cash amount to pay it off from a school refund. They told me if I paid it off early I would have to pay a lot extra ( prepayment fees ) Their loans are so predatory! My interest kept changing. 
They sold my car while I was trying to get it back and literally didnt notify me that the sold it. Not even a letter in the mail! 
Not to mention, when I called to get deferred because the XXXX WAS NOT WORKING. The lady asked me why did you get a car if you dont have money to fix it then I said maam could we keep it professional and she cursed me out. I hung up and called back. Only had one nice man that I would talk to! This company is THE WORSE COMPANY I EVER EXPERIENCED. 
Now they wont settle with me or delete it off my credit when its not my fault and I tried to reconcile! YOU SOLD ME A XXXX AND WOULD NOT LET ME DO A CLAIM OR GIVE IT BACK. I lost my job messing with that car A GOOD JOB. 
I got the car on XX/XX/XXXX, it stopped on XX/XX/XXXX. Got it fixed and it stopped completely in XXXX In total I have put more than $ 2k in the car
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc. (TX)

Im lodging a formal complaint against both XXXX XXXX XXXX XXXX CCS Collections, as it is my belief, they violated my rights under the FCRA. Reporting inaccurate information about its status to the credit bureau. I didnt notice this error right away, that this was an already twice reported collection. Originally, this was a Debt by XXXX XXXX given as a collection to XXXX XXXX XXXX. I then paid in full and received a confirmation letter & the collection was subsequently removed from my credit report. Fast-forward, to XXXX 2020, I noticed a collection on my credit report with a new Creditor CCS Collections. So being under the assumption, that I owed CCS, I had every attention to pay it, but Due to COVID, I had to wait several months. Then several months later, on XX/XX/XXXX20 I called XXXX  to verify the amount on this collection I owed, and the agent proceeded to inform me that the account I had already paid this off a year prior. Well confused, as I knew as I just looked at it a few minutes before, I then asked, Why has this been reported again and on my credit report since XXXX? Then the XXXX  agent contacted CCS Collections & put my call on 3-way to verify this new information. The CCS agent, then confirmed that I didnt owe anything on the so-called reported collection and despite being asked, the CCS agent refused to remove this inaccuracy and false account from my credit report.
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

XXXX XXXX the original creditor mailed the bill to the wrong address. And I should not have had to pay it through collections, This is hurting my score when I paid it once I found out. I am asking the CFPB to remove the debt on the grounds of never ever receiving the original bill.