davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Receive a credit refund on XX/XX/XXXX in the amount XXXX from XXXX XXXX XXXX which is showing as a credit on my account -After that made 2 more payments XX/XX/XXXX - {$190.00} from my XXXX checking account along XXXX {$1000.00} ( XX/XX/XXXX ) deducted from my account. The Total credit account is XXXX total in payment and credit on account. All payments were paid befoew the payment due dates which was the XX/XX/XXXX. for no interest fees. 
Total charges up to date as of XX/XX/XXXX - XXXX Substracting XXXX minus XXXX = a positive balance of XXXX -they own me. I ( XXXX XXXX ) spoke with XXXX representative of Capital One - XXXX @ XXXX and he is stating I own a balance of XXXX cents. I advise I do not agree with his addition nor his balance and I will not pay another cent to Capital One and to close the account. This is the 2nd time I had to correct the fees and charges on this account. The first time the corrected the issue with me reporting them on two different platforms. Now I just want to close the account and for them to send me my refund due on this account. I am taking my business else and will not do business with them again. 
XXXX XXXX - XXXX XXXX XXXX contact number
Consumer complaint received 2017-12-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (AL)

I have requested a copy of the contract from this company on XXXX XXXX I 've also called over 43 different times trying to reach out to the company and still get no understanding from them. Their not trying nor will they help me. I still have n't received a copy of the contract and they refuse to pick up the XXXX XXXX XXXX. I 've requested them to pick up this vehicle in XXXX, XXXX, XXXX and XXXX XXXX and they refuse to do so but continue to report it on my credit report. They told me over 15 different time that they mail the contact off and they come back and say we just mailed it. I co-signed for my daughter who has the vehicle and there 's nothing I can do without a copy of the contract. I 've asked them to pick this vehicle up and they want but continue to report that 's no payment is being made to my credit report but want help me in getting this vehicle back to them. They talk so nasty to me when I try to reach out to them for help!
Consumer complaint received 2017-07-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (MI)

There is currently a debt in the amount of {$170.00} owed to Advance America for an online payday loan. I receive calls from this company three times per day everyday of the week Monday throug Saturday, always between XXXX and XXXX, XXXX and XXXX and XXXX and XXXX daily. I have spoken with them and asked that the volume of cals be decreased and was told " as long as there is a debt owed, We ca n't stop the number of calls. ''
Consumer complaint received 2022-01-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (AZ)

I received a notice of debt owed today XX/XX/XXXX from Commonwealth Financial Systems in the amount of {$69.00}. I had no idea what this was for or that it was even valid so I called them to confirm they were legit and asked what this debt was tied to and when it was from. I was told that Commonwealth Financial Systems filed this on my credit bureau PRIOR to my even getting the notice and that if I paid it then they would remove it from my credit bureau. I told them that I had to first confirm it was a legit medical charge and then I would be glad to pay a valid bill, but I was very upset that they chose to report this to my credit bureau even before I received a bill. This is very unethical and very poor business practice. They said this was from a hospital bill from XX/XX/XXXX so this is 6 years old and this is the first notice that I have received for this medical bill. They filed a derogatory debt on my credit bureau BEFORE they even sent a bill out to me.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I called to confirm the balance to pay off the entire debt on my Best Buy Visa card. I spoke with XXXX, and he provided the information. When I questioned the why the balance was so high, he informed me of two interest charges for not paying promotional balances off prior to the termination of the promotion. The first was on XX/XX/XXXX for {$470.00} and the second was on XX/XX/XXXX for {$430.00}. When I explained to XXXX that those were both paid off prior to the promotion ending he could not find a reason why the payments were not applied properly. 
I called prior to the end of both of these promotions ( I do not recall the dates ) and was instructed to make a minimum payment then make the full promotional balance payment to ensure the promotional interest would not be assessed to my account. I explained this to XXXX, and he agreed that this should have paid off both promotional accounts. Unfortunately, XXXX was unable to assist further as he did not have the authority to rectify the issue. 
I called back later on XX/XX/XXXX and spoke with XXXX, Idaho Office Manager. She advised me that she could not reverse the charges as that was Policy. I asked what Policy and she began to say it was a federal policy at which time I interrupted and advised her that there is not such federal policy. As a XXXX XXXX and XXXX XXXX for a XXXX  institution, I know there are no such policies and that she should not provide this misinformation to any other customers. I asked if it was a company policy, at which time she said yes. She asked what she could do for me, and I requested to have the {$910.00} of wrongfully assessed interest removed from my account so I could pay off my debt. She advised me that she could not do anything for me, and we ended the call. 
This is a very confusing why of paying off promotional debt and is still their practice. I had to follow the same steps for a promotional item I paid off on XX/XX/XXXX. I called on XX/XX/XXXX to confirm it was paid off with XXXX. I plan to call again to confirm I am not being charged interest for promotional items I paid off prior to the promotional time terminating.
Consumer complaint received 2022-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

I receive a letter from XXXX XXXX XXXX XXXX stating that I owed {$620.00} dlls as of XX/XX/21 and that they represent PayPal. I checked my XXXX account and the balance is {$0.00}. Everything paid up to date. 
The letter was sent from Texas ( empty lot ) and the letterhead has an address from XXXX, NY. 
I already calle

d Paypal and they don't know what I'm talking about. I logged in to Paypal for
um and there are many customers with this same situation.
Consumer complaint received 2017-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc. (CA)

I had an unpaid water bill from the city of XXXX, Ca., that I was unable to pay d/t losing my job. It went into collections at Credit Bureau Associates. Finally, in XXXX of this year, I was able to pay the XXXX owed. The check XXXX drawn on my account at XXXX XXXX XXXX XXXX was then deposited in the XXXX XXXX XXXX by the XXXX XXXX XXXX., XXXX ACCOUNT #XXXX (no date stamp). The next activity on the check is XXXX XXXX XXXX >XXXX< XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  After numerous phone calls and emails XXXX XXXX, continues to deny ever getting said check and depositing it. In as such the debt has never been expunged from my credit score and XXXX has investigated 3 times every time to say it has not been paid.
Consumer complaint received 2022-01-20
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: Credit & Collection Recovery Services, Inc. (AL)

I signed up for a credit monitoring service last year and discovered multiple errors showing on my credit report. Multiple accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the original creditor. I contacted the FTC and followed the Identity Theft steps including filing a formal FTC report and putting a freeze on my Credit. XXXX has refused to remove this debt from my report causing me to have to repeat this process. I am providing information on these disputes. I am demanding these accounts be blocked from all of my credit report, due to the fact that they are not valid and/or they are not caused by me.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I made an additional payment toward my principal balance to Mr. Cooper home loan. The agency automatically applied the payment to the next regular payment, thus keeping their portion of the finance charge. I contacted them immediately to correct the problem. They took only one step and now have the amount listed as " unapplied ''. It has now been almost two weeks and they say it is still in process. This delay allows them to keep the additional money and not reduce my principal balance.
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

My Identity ( social security number name and address ) was exposed in the 2017 Equifax Data Breach. I believe this breach is how my identity was obtained to open these accounts. I have several fraudulent accounts reporting on my credit profiles.
Consumer complaint received 2017-07-11
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. (GA)

I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (CA)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (PA)

The purpose of this letter is to prove that it has been well over 30 days since I notified Experian that Information regarding the XXXX account on my credit report consisted of several inaccuracies. On XX/XX/2022 I mailed Experian dispute notice regarding The XXXX account on my credit report. The letter pointed out that XXXX had my date of birth and address incorrect. I am including a United States Postal Service mail receipt and tracking number that shows my notice was delivered more than 30 days ago. According to the tracking number ( XXXX XXXX XXXX XXXX XXXX ) my notice was delivered to Experian on XX/XX/2022 @ XXXX. The United States Postal Service mail receipt and tracking number proves that Experian failed to respond within 30 days as the law requires. I am also resending the content of the original letter below as well. Under the federal law, if the credit reporting agency fails to respond in 30 days, the disputed account must be removed. If Experian fails to do so, they are violating my rights under the Fair Credit Reporting Act. I intend on notifying The FTC and the CFPB of Experians blatant disregard to the federal law under the FRCA.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (LA)

I paid the utility company ( sewerage and water board ) months ago in full. IC system Collection Agency says they havent received notification from the sewerage and water board so they are unable to removed the negative off my credit report. I have sent in receipts. I have called the collection agency and the utility company several times no solution. PLEASE HELP
Consumer complaint received 2017-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

The company is USAA. Everytime they have contacted me I have told them to work with XXXX XXXX XXXX who I am using for debt consolidation. Example dates XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I informed them that I was working with XXXX XXXX  and to talk to them. I seperately called XXXX XXXX on XXXX XXXX and confirmed they had spoken to the settlement department at XXXX XXXX 

However, USAA continues to try and contact me. I actually spoke with a manager there, and set up a date, also XXXX XXXX, for them to call me at XXXX my time at which time I planned to get them and XXXX XXXX on the phone together. Instead, I got no phone call on the XXXX or XXXX, and got another missed call this morning at about XXXX ( ca n't answer because I 'm at work so I declined the call ).
Consumer complaint received 2022-01-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BMO Bank, N.A. (FL)

I HAVE BEEN TRYING TO SPEAK WITH SOMEONE OVER A YEAR NOW BUT I AM NOT GETTING NO WHERE. I CALL THEM AND THEY SAID THAT THEY WILL GET BACK WITH ME BUT IT'S BEEN OVER A YEAR AND NOTHING YET. I HAD A ACCIDENT IN THE CAR THAT I AM REFERRING TO. THE CAR WAS TOTALED SO MY INSURANCE PAID OFF THE BALANCE AND I WAS SUPPOSE TO GET A REFUND BACK BUT I NEVER DID. INSTEAD THEY PUT THE AMOUNT THAT THEY WHERE GOING TO GIVE ME BACK AND PUT THAT AMOUNT ON MY CREDIT REPORT 'S AND NOW I AM HAVING ISSUES GETTING ANOTHER CAR. 
THIS IS FOR ONE MISLEADING, DECEPTIVE, FAILURE TO DELIVER GOODS AND SERVICE AND MISUSE OF MY PERSONAL INFORMATION.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

I.Q DATA INTERNATIONAL is attempting to collect {$7500.00} and stating the original creditor is XXXX TX I have not received a notice of this debt or money owed to either company. I have never been given a call or given information about this. Nor have I been given a bill or itemized information about this
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

Dear madam/sir, I am writing you to report the company XXXX XXXX  XXXX ( Account- XXXX. This creditor has reported on my credit as " charged off ''. When I reached out to the creditor to verify the that input and request a 1099C form. The creditor verified the charge off status and were not able to provide me the 1099C form upon my request.
Consumer complaint received 2017-07-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (NH)

I took a loan out with Wells Fargo in 2010 for my daughter. I applied for it with her as the primary and me as co-signer. The amount of the loan was {$7700.00}. The interest rate is 9.49 %. I have paid {$5100.00} into the loan and the balance due is {$7900.00}, a balance that is more than the original loan. This seems impossible, the other student loans I have for both her and myself have paid down. Can this be possible?
Consumer complaint received 2017-07-20
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, I sent what I thought to be a reputable cat breeder {$1200.00} over XXXX through my Chase app. However, it has come to my attention that the XXXX account that I sent funds to was associated with a scammer and I would never be receiving my kitten. I immediately called Chase bank and filed a claim and intended to get the information I needed to pursue this person with legal action as their name and email address was available to me. However, they sent me to XXXX to get this information. XXXX then once again told me that they are not able to, however Chase bank will be able to help me. I called once again and was told that there is nothing they can do.

Chase knows what bank account ( and person ) is connected to this scammer 's XXXX account and refuses to help. The only way I can get any recourse whatsoever is with Chases help is by getting information but instead they pick the side of the scammer. I am not sure what else I can do here. Consumers deserve better protection from scammers that take advantage of Chase 's backwards and unfair policies.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I recently pulled My credit report and seen that I had a lot of unknown addresses from XXXX Ga and credit inquires and a filed Bankruptcy in my name. I have no knowledge of these accounts, addresses and inquires.
Consumer complaint received 2016-02-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

On the nigh of XXXX/XXXX/2016 to XXXX/XXXX/2016 it appeared that Suntrust reorganized my transactions to create more overdraft fees that there should have been had they be posted in the order received.
Consumer complaint received 2022-05-26
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. (CA)

In accordance with the fair credit reporting act XXXX  account # XXXX XX/XX/2022 {$420.00} # XXXX XX/XX/2022 {$200.00} # XXXX XX/XX/2022 {$5300.00} # XXXX XX/XX/2022 {$490.00} # XXXX XX/XX/2022 {$1200.00} # XXXX XX/XX/2022 {$300.00} # XXXX XX/XX/2022 {$5000.00} # XXXX XX/XX/2022 {$1600.00} # XXXX XX/XX/2022 {$170.00} # XXXX XX/XX/2022 {$96.00} has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a 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.
Consumer complaint received 2022-05-04
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: TD BANK US HOLDING COMPANY (NY)

About two months ago a XXXX  card popped up on my credit report I have never had a credit card with XXXX Ive never used a credit card in XXXX I disputed this with the credit bureaus and it came back verified every time how I dont know