davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION (PA)

I have contacted Penfed ( my current credit card company of over 8 years ) multiple time in the last few months at their customer care phone number. I did so because I no longer have a checking/ savings account with them but opted in to use an external account ( my outside bank ) to make a payment on my Penfed credit card. Each time I spoke to Penfeds reps, I was given a form to fill out which I did and returned. I then was walked through setting up the external payment online, which I did. I lastly was told that I needed to wait until two small deposits were made into my external account in order to verify it before I could use the external account to make a payment towards my Penfed credit card. Each time I called in to check on this, I was told it was pending. I got multiple calls from their payment collection team because I missed my payment due to this. Penfed allowed NO OTHER OPTION to make a payment towards my credit card since I did not have their checking/ savings. I also am not local to them to visit a branch. I requested a manager for callback multiple times which they never called me, only promised to have one call. THIS CAUSED A PAST DUE PAYEMENT record on my XXXX and XXXX credit report which dropped my credit score. I believe this was not in fault of my own, but a fault of Penfeds system as well as customer care reps who lacked the knowledge and care when I would call about this issue. I am demanding Penfed remove the past due record entry on my credit report or I will seek further legal action. They have all calls monitored and recorded from the countless times I called in regarding this issue as well as every time I brought it up when they called me about payments. 
Desired Outcome/Settlement Desired Settlement : Correction to a credit report - Removal of past due
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I contracted with XXXX for pest control services. XXXX used the wrong product and did not control my problem. They made a 2nd attempt but failed. I cancelled their service ( within 30 days of payment ) and notified them both by telephone and in an email that I was cancelling their service and requested a refund. They did not respond within 2 weeks so I filed a complaint with the credit card company that I used to pay them. The credit card company gave me a " conditional credit '' pending resolution. The credit card company allows 60 days for the billing company to respond but they did not do so within the time allotted. Therefore, the credit card company made my conditional credit a permanent credit. Months later, Nationwide Credit issued me a notice of attempt to collect a debt on behalf of XXXX. XXXX never replied to my credit card company and now they are harassing me through Nationwide Credit to ILLEGALLY attempt to collect a debt that is beyond the statute of limitations. 

Please issue a " cease and desist '' notice to both XXXX and Nationwide Credit. 
Thank you.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 

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 has violated my rights. Or a 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-13
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. (NC)

My name XXXX XXXX this XXXX 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 2023-08-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: A-L FINANCIAL CORP (CA)

Last month XX/XX/2023 I attempted to make the payment. I was told I needed proof of insurance which I provided. They refused the payment even though it was on time and car is current. 
XX/XX/2023 XXXX I am trying to make my monthly payment and they refused it. Simple. I just want to make my payments. 
This affects my credit. When I call they are rude and disrespectful towards me. Im cursed at etc.

After some research this appears to be a common theme. This is not ok. 
I am told my car is already submitted for repossession. 
The bank is A-L Financial.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon reviewing my credit reports, I've discovered an anomaly regarding a late payment recorded on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the months of XX/XX/year> and XX/XX/year>. It's important to note that I have consistently maintained timely payments on this account. Attached are screenshots illustrating the discrepancy. 

I kindly request a thorough investigation to provide evidence substantiating the alleged late payment. In the absence of such evidence, I urge that the late payment status be promptly rectified to reflect " paid as agreed on time. '' It's imperative to acknowledge that I have never missed a payment deadline. 

Your prompt attention to this matter is greatly appreciated. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-09
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)

The following accounts was charged off XXXXXXXX XXXX XXXX XXXX  XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXX XXXX  XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account XXXX : XXXX Best Regards, XXXX XXXX
Consumer complaint received 2023-10-18
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP. (SC)

21st Mortgage representatives continue to exhibit verbally and emotionally abusive behaviors toward me when calling in and attempting to make payments. 

Today, XX/XX/2023, I called in to make two payments by phone because I am unable to make online payments as they lock accounts out from making online payments when the account is past due any amount. I am due for XXXX and XXXX. 

I attempted to call on three separate occasions, today being the third, to make the payments and each time was told they needed a third payment, which only came due today. They proceeded to harass me over why I was past due including mocking me stating that maybe I should be able to afford my mortgage and be on time. They implied a refusal to take the two payments without a third followed by a refusal to continue with my mortgage. When pushed to clarify what was meant by " not continuing my mortgage '' they stated they " didn't say that. '' After telling me they could not take my payment without a third payment added to it, I asked them to restate that they were refusing to accept my payments. They claimed they were not saying that, yet still did not accept my payments. This tactic is similar to a XXXX XXXXXXXX tactic where the person is told something and then the perpetrator gaslights them claiming to have never said those things. It is a bullying and harassing tactic designed to push the person further toward default. 

I suggest looking into XXXX XXXX as well as 21st Mortgage for these patterns of default and resale as it is their business model. 

Please note that they are well aware that my income has decreased over the last 2 years, that I was impacted heavily by a COVID job loss, and that I am currently caring for a daughter with XXXX XXXX. Despite my transparency, they continue to verbally berate me and conduct themselves in a combative and abusive manner making it extremely difficult to manage my account and make payments. 

Their treatment continues to cause undue stress and XXXX XXXX. Please see a previous complaint # XXXX. This is clearly a pattern of behavior deemed acceptable by the organization and its leadership. 

Having to make payments by outside means adds to the financial burden. No mortgage servicer or company should ever be able to prevent someone from making their payments and as a result, cause such deeply damaging XXXX XXXX
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have credit card with Capital One. For some reason, even if you pay before XXXX  on the due date, you are penalized ( charged a late fee ) and your credit score is damaged if you pay after XXXX XXXX. It is absurd that you are not given the entire day to make your payment.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (OH)

I used the Apple Card ( Goldman Sachs ) to set up an installment plan for a new XXXX. Using the Apple Card provided 3 % cash back and no-interest for 2-years. 
I took this deal as an alternative to a similar plan offered by my cell provider. 

I recently learned that the University email address associated with the Apple Card ( and XXXX ID ) will be shut down in XXXX. I was able to update my XXXX ID, but Goldman Sachs will not allow me to update the email address. They won't even remove the email address from my account. 
All Apple Card notifications go to that email address, including payments due, account balance, and details about the installment plan. 
Goldman Sach claims that there are only two remedies. 
The first is to close the account, which will affect my credit score and require that I pay the entire {$1000.00} for the phone installment plan. 
The second is to allow them to send notifications to the closed email account and " hope '' that they figure it out and send a bill to my physical address. This option will open the door to cyber fraud and ID theft since my personal credit information will pile up on an un-monitored email server. 
I can't imagine that I am the only XXXX ID user that needs to change their email address which creates a much larger cyber security threat that just my personal information. 

I spoke with various XXXX and Goldman Sachs representatives for over XXXX on XX/XX/2022.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (FL)

Hi, i noticed tha us bank reported my XXXX XXXX credit card as a charged off with an incorrect balance amount of {$1000.00}, when the account was reported as a charged off amount should balance have to be {$0.00}. I tried to contact this institution by phone and transfer between departments leaving me in hold and then dropped or hanged up my call. They sold my debt and they reported to my XXXX credit report the account in charged off, I need that USBANK with address XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX and Phone : XXXX, correct the error that they reported because I did not owed {$1000.00}, they continued charges my account during XXXX XXXX XXXX XXXX XXXX, when the account is closed and when I did not used it since XXXX, they did not give me moratorium during XXXX XXXX, XXXX, XXXX and they are reporting a false statement that I owed {$1000.00}, when the account is in charged off when they reported to IRS and received the credit incentive of {$2000.00} for the reported debt. They are reporting if as I owed the doubke amount of the debt and violating my privacy right as well. I beed that US BANK correct the amount reported to {$0.00} as charge off account and sent me their 1099 for the charged off account reported to IRS. I would like that they removed this account due that they reported a false statement and a false amount. They also did not report the payment that I made on XX/XX/XXXX. They caused me that other bank institutions closed my checking account when making unauthorized charges to my XXXX XXXX XXXXXXXX XXXX checking account ending in XXXX when I made the payment with my XXXX checking account and make me lost important accounts transaction and extra fees because I did not have the balance in the XXXX account instead I made the payment using XXXX  account, and in my credit report said that there is XXXX and I made a payment in XX/XX/XXXX, as the payment agreement made in XX/XX/XXXX.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

Paid an amount of the first purchase on XXXX. Was not notified it didnt go through and was charged a late fee and interest because the payment didnt go through and now my credit score has been effected because I have a late payment on a card. I have the money in the account. The information was all correct. They said I was all set and it would post in 1-2 business. I left the XXXX  on the XXXX and I was just able to see that it never posted. They never notified me. It is with Synchronize Bank and the Lowes Credit card.
Consumer complaint received 2021-02-13
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NJ)

On XX/XX/2020 I started the process of refinancing my VA loan through the IRRRL program. Multiple times the title company has cancelled the closing alleging that the lender doesnt and hasnt provided any documentation to them. Multiple times the closing has been cancelled. Because of the current interest rate lock of 2.25 % Im in theyre delaying the process multiple times and canceling closing multiple times as to avoid refinancing under the program which is backed by the Department of Veterans affairs.
Consumer complaint received 2022-01-02
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. (NC)

On XX/XX/2021, I contact the CRA to via certified mail to dispute erroneous accounts on my consumer report. After about two and a half weeks, the CRA reported back that the information came back verified from the original creditor, which is wholly inaccurate, as I am the original creditor pursuant to 15 USC 1602 ( l ). 

On XX/XX/2021, I contacted the CRA again, to request that those same accounts be removed again. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ), these accounts being listed are again in direct violation of the FCRA and should have been deleted on XX/XX/2021 when the first disputes were mailed out and should not have come back verified.
Consumer complaint received 2020-07-11
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. (MO)

I have been having trouble getting an account reported correctly. I disputed the account and each time the investigation says that the item is correct but the amounts owed are changing by {$1.00} every day for the past few days until finally, it has dropped my score by 8 pts. It was updated on XX/XX/XXXX, which dropped my score 8 pts, then updated twice on XX/XX/XXXX, which didn't change my score but dropped the balance owed by {$1.00} and then again today ( XX/XX/XXXX ) it was updated and dropped my score another 8 pts. All of these actions were taken on my Equifax report. This account I disputed was on a secured card. I paid {$3000.00} down on this card. My balance shows {$2800.00}, but they are stating they charged off {$120.00}, which they didn't. The account was closed because I lost my job and couldn't pay and the balance due was under my credit limit at the time. I closed the account myself and the credit card company is reporting that they closed it on me. Not true. Plus I do not owe money to these people. They have yet to send me proof that I have asked for to validate the debt. I have disputed it several times. I want this resolved.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-02-17
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. (SC)

In accordance with the FCRA the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instruction which I never did for any of these accounts.
Consumer complaint received 2020-07-11
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: CITIBANK, N.A. (NJ)

Back in XX/XX/2020 i field a dispute for {$860.00} with the card issuer They never responded to my dispute, so when the next statement arrived i contacted them again they took the dispute and never notified me that they were unable to recover the charge. So i filed another dispute in XX/XX/2020 i received my statement and filed yet another dispute because of the cover they never responded so in XXXX again i refueled it. they removed the charge and never received the outcome Now as today XX/XX/2020 my statement came and the charge was put back on my statement. i spoke to them and they said that they were still working on the dispute so i asked them if its in dispute why has the XXXX on my statement it should be removed but they insisted that i must pay the balance with my disputed amount I thought that i can be billed for the disputed amount until its resolved Also my last 3 payments to them were never received and they have added XXXX X 3 on my bill.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (SC)

I've already filed a complaint on this bank and you have closed it. And I don't agree with the outcome. I have been with this bank as I've seen it grow ... .from XXXX XXXX XXXX Wachovia , to WellsFargo. I started my business with them when I got my very first paycheck. I am turning XXXX this year! They are the only Bank I have done service with basically my whole life. Do you think {$500.00} is enough pay back? That is what a lifetime of broken laws is worth? I added up just XXXX years of overdrafts and it was close to {$3000.00}! 
You have everything from the prior case.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.