davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

I had refinance my loan with Cardinal Financials ( XXXX ) around XXXX, switch from XXXX. And that time my loan was XXXX. And I had refinance amount was XXXX including the closing costs, and also I had paid some closing cost amount, i.e. approx. XXXX. 

During shopping for refinance, I was using XXXX as approximate amount, as it took some time and I had been paying the XXXX and eventually I took a loan of XXXX. 

Only in he month of XXXX XXXX XXXX I realized, that the mortgage company is taking money form on the basis of XXXX and they used it as deferred loan which I was never aware of. 
I have been following up with them for the last 2-3 months on the same, but it's not getting resolved. 

I sent so many mail and calls and even now I'm on a call which is kept on hold for the last 35 mins. It ruined my life.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BARCLAYS BANK DELAWARE (PA)

I submitted online for a cash amount of {$10000.00} on my Barclays Upromise card for an offer they gave me for 0 % interest until XX/XX/XXXX. This was submitted on XX/XX/XXXX. I received a call to verify my information last Thursday or Friday and answered all questions to verify my identity and was told the amount was being processed and would post to my account. I tried to log into my account over the weekend and was locked out of my account. I could not get anyone on the phone to assist with unlocking my account and after XXXX XXXX of trying to find someone I got in touch with someone who told me I'd need to speak with their security team on Monday XX/XX/XXXX at XXXX. I called this XXXX  reverified my account information, my account was unlocked and then I was transferred to another representative to help process my original request. I was told this offer was now cancelled but no one told me why or who cancelled it. It obviously was not me. They told me it could not be reextended. They would not restored my offer or account available to original amount of XXXX that it would take XXXX hours for that to happen. They told me I could use the balance transfer check I had but if it didn't post by XX/XX/XXXX they would charge me usual apr charges and couldn't guarantee it would post. I requested to speak with a manager. I was told she was in XXXX meetings and was not available. I then requested to have my credit card cancelled as I no longer want to do business with a company that retracts offers for no apparent reason and will not correct their errors.
Consumer complaint received 2022-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NJ)

I never received any notification, by mail or email, or phone of any amount owed to anyone anywhere and now I am seeing a collection on my credit report that is a complete surprise and frankly unsubstantiated. I received a call last week from a debt collector - the first call ever - in regard to an apartment building I used to live in but asked them to call me back since I was in class - they never did. This building never sent me any notice of outstanding payment due and I have no idea what they are even claiming this is for. When I moved out after my lease ended last XXXX, I gave them 30 days ' notice and they said they needed 60. I submitted a formal complaint and never heard back anything. No invoice or bill was ever sent to me. I am only seeing this now on my credit report which is unfair since I was NEVER contacted by the building about an amount owed. How can they do something like this? My phone and email are the same and they have both because they still send me emails from their rental portal about events. Please help, this can not affect my credit score since I was never given an opportunity to resolve this matter with the apartment before they sent this to collections. I am incredibly disappointed and hurt that a building I lived in for a year and paid on time as a perfect tenant would do something like this.
Consumer complaint received 2022-10-29
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: EQUIFAX, INC. (MO)

I mailed a letter certified back on XXXX XXXX making you guys aware of fraudulent information being reported on my consumer report. I received a response that the letter was not coming from me!! Listen my personal information was exposed in a XXXX breach and I believe it has gotten into the hands of the wrong person. After checking my annual credit report AGAIN I still notice fraudulent names, addresses, incorrect Social Security numbers, inquiries and accounts that were not transactions made by me. This needs to be deleted immediately!!
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

For my mortgage account : XXXX the site actions do not correspond to how Freedom actually processes their payment.

When paying one time or a recurring the customer is given an option to apply an additional sum towards principal ( Identified as " $ Additional Principal '' OR " Principal Only '' ). Despite this option Freedom actually recoups interest from these payments. 

For example : Last payment due : XXXX Principal, XXXX Interest, XXXX Escrow. 
Paying an additional {$100.00} following prompts for paying towards principal only resulted in this : XXXX Principal, XXXX Interest, XXXX Escrow. 
So my {$100.00} additional payment to only principal is applying {$97.00}. 

Seeing as this is an extremely difficult issue for the customer to actually identify I have no doubt that Freedom is exploiting thousands of customers with this shady business tactic.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I received a letter from XXXX XXXX XXXX on XX/XX/2021. XXXX XXXX XXXX are debt collectors attempting to collect a debt on behalf of Capital One Bank ( USA ) NA. I have not received any goods or services from XXXX XXXX XXXX and I do not know how they received my personal information. 
XXXX XXXX XXXX do not have a permissible purpose to contact me at all in regards to anything. I am not a party to whatever agreement they have with Capital One Bank ( USA ) NA. I did not agree to pay XXXX XXXX XXXX or Capital One Bank ( USA ) NA any fees for anything.
Consumer complaint received 2021-10-25
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reliant Capital Solutions, LLC (IL)

on XX/XX/25 i received two back to back calls from reliant credit solutions, i did not answer as i was working, i then proceeded to be told that they have been contacting my work
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (IL)

Where is my refund check in the amount of {$1400.00} ; see my initial complaint CFPB # XXXX. I do not owe XXXX XXXX or XXXX Credit Card ( i.e., " Citi '' ) any money! 

I made one purchase XX/XX/2021 for a XXXX washer and dryer ; however, installation is incomplete, there are missing parts, there is no warranty. 

I disputed the bill with XXXX XXXX and XXXX Credit Card, immediately, due to no installation XX/XX/2021, missing parts, no warranty. The dispute was ignored by Ms. XXXX. I followed up to dispute the bill, again, XX/XX/2021 to initiate the process. XXXX Credit Card finally sent a letter to me dated XX/XX/2021 to grant the credit for the entire amount of the purchase {$1500.00} and reverse all charges and/or late fees as XXXX Credit Card continued to bill me during the 'billing dispute ' and negatively report on my credit to all three credit agencies! But, not one invoice reflects the 'credit ' and reversals of charges and fees! Neither have I received my refund check! Where is my refund check for {$1400.00}?
Consumer complaint received 2021-10-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-02-06
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. (CO)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am writing this complaint to Experian regarding the inaccurate information that's reporting to my consumer report. The creditors reporting the accounts and information its a violation of my right to privacy in which I never gave them consent to purchase nor share my personal information with anyone. I am asking Experian to investigate and remove any account that doesn't belong to me. 

Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2021-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (AL)

I ordered a money card reading machine for my business the machine did not work and I mailed it back with permission from company. I did not even used the card reading Machine and the collection company that is now trying to collect debt, I dont have a contract with them. And collections increase every month. Please help me to get this off. I dont owe them anything and this was suppose to be set up as a business account. I never ever used the machine because it was broken and I never had money deposit to my account using their machine because I returned it.
Consumer complaint received 2023-02-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC (NY)

The time agreement they advised me before accepting the credit was inaccurate. They stated that my payment agreement ended on XX/XX/XXXX which they actually ended on XX/XX/XXXX. 
The only remaining amount I owed was suppose to be XXXX in which they charged XXXX of interest stating that it was due to late fees and the 16 percent interest on XX/XX/XXXX they charged me XXXX accounts more then what I actually owed which was XXXX and they charged me again on XX/XX/XXXX XXXX a total of XXXX And they keep charging me interest because they tried charging me again another XXXX dollars which I disputed instead of XXXX now they are trying to charge me XXXX
Consumer complaint received 2023-02-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

This is a follow-up to complaint # XXXX. I still have not received the refund that USAA indicated I would be receiving as a result of their system error. I followed-up on XX/XX/23 but have not received a response.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I am sending this message to complain CitiBank AAdvantage card for unreasonable late fee charged on my account and the monthly interest that was charged later on every month. 
With this card, there was no annual fee for the first year and after that there would be a {$99.00} dollars fee annually. In XXXX, I scheduled the payment of {$99.00} dollars online and selected the " due '' date for the payment, which was on XX/XX/XXXX. On XX/XX/XXXX, my account was charged for a late fee {$29.00} dollars, another late fee {$1.00}, and an interest {$1.00}, which I did not agree with. In XXXX, my account was charged with a late fee {$40.00} and interest {$1.00} on top of previous charges and the situation continued until XXXX XXXX when I called the Customer Services to dispute those fees and interest. I was told that the {$99.00} annual fee payment was received on XX/XX/XXXX instead of XXXX  that I selected for the payment on due day, so there was an one day late fee of {$29.00}. I argued that I selected the due date online but actual transaction might occurred later, which I had nothing to do with it. So the customer service representative agreed to remove the fees and interest to keep me as their customer. Now I noticed that initial late fee {$29.00} and {$1.00} and the interest {$1.00} were refunded, but the subsequent monthly fees and interest were still there for me to pay. I believe that those subsequent fees and interests were based on the initial late fees and interest and if they had been refunded, so would be those fees and interests charged in the later months. It is unethical and unreasonable for a bank such as CitiBank to do such a thing like this to rob its customer.
Consumer complaint received 2020-06-15
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. (NV)

There is a medical bill showing on my credit file with XXXX XXXX XXXX XXXX when I was made aware of this debt I contacted the company and paid it directly. I was told since it was paid they would removed it completely off my credit file and that has not been done.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.
Consumer complaint received 2021-10-25
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. (FL)

I sent XXXX a Verification Letter on an account originally with XXXX XXXX and asked for info proving that it's my debt. In response, I received the attached two letters. The second account, I had never had even been contacted about and I have no knowledge of. I had asked for documentation to verify that XXXX is the owner of the accounts ; that they are licensed to collect in Florida, a copy of the nost recent statement from the original creditor and a copy of an application for credit that I had signed together with any other pertinent information. The letters I received in response only show my last name, last 4 of my SS # and the " Date Account Opened Provided By Seller ''. One of the accounts goes back to 2013 and should not even be reported on my credit bureau reports since it exceeds 7 years. I also filed a dispute with XXXX but it was declined.
Consumer complaint received 2022-10-29
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)

My name is XXXX XXXX and I was recently able to sign in to view my credit report since I been XXXX  for XXXX years XXXX to XXXX I have all the proof of XXXX  I can include it when you you contact me about this matter. So basically some has my info and is doin fraud with my account so basically anything between XXXX - XXXX of XX/XX/XXXX was when I was released from XXXX  and I been tryna build my cridit to be able to get a car and I come to find out this can you plz help me resolve this matter thank you my XXXX XXXX
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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

Account name XXXX XXXX XXXX XXXX  has violated my rights Account name XXXX XXXX XXXX XXXX has violated my rights Account name XXXX XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX  has violated my rights Account name XXXX XXXX XXXX XXXX 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 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 2024-04-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Intermex Wire Transfer, LLC (NJ)

Yesterday I received a video call on XXXX, I was an adult woman, the mistake was answering the video call. After an hour of telling me that he had talked to a minor and harassing me like a XXXX, he asked me for money if I wasn't going to post my photos from the video call because he tried to capture photos of me in the video and edited it with other photos. She and her accomplices threatened me and I made the transfer to the person who is in XXXX, XXXX XXXX, it was XXXX dollars and I tried to go to the XXXX store to cancel the shipment but they told me that today, XX/XX/XXXX, I should return to the store to recover my money. I was confident that they would return my money but unfortunately the scammers had withdrawn the money, what worried me was that the girl at the shipping store told me that she had made the cancellation and that the bank was going to track it like this. I want to submit that report so that the bank responds and returns my money.
Consumer complaint received 2023-02-09
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 (NY)

Capital one ; For every statement bring a couple attached to send the documents statement every month. Also, every statement shows you how to do the payment with the coupon. When I try the first payment with both of my cards, they close both of my accounts without my consent. Im doing that for the last two or three months, I be sending the coupon by mail with tracking labels and everything, but they get all the mail from me and they arent processing them. I have two accounts with them. Also, they took my rewards balance without adding the balance back to the account. Meaning, stealing my points ( balance ) for both of my accounts. Can you please help me? Thank you
Consumer complaint received 2021-10-25
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. (FL)

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX*** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.