davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (NY)

I have an ongoing issue with XXXX for almost 3 years now. I returned their equipment at my expense on XX/XX/XXXX and it was delivered at XXXX I was told that I would be charged {$350.00} for an early cancellation fee which was untrue as they kept changing their minds and decided to bill me whatever amount they felt like billing and whenever they wanted to. First I'm told {$350.00}, then I'm billed {$480.00} and then they tried to charge my credit card {$650.00} on XX/XX/XXXX-they 're not consistent. To continue, I wasn't credit for the returned equipment AND THEY ADDED {$53.00} A MONTH TO MY BILL FOR PREMIUM CHANNELS THAT I NEVER ORDERED/AUTHORIZED WHICH I WASN'T CREDITED FOR EITHER. I have so many letters, emails, many addresses for XXXX and no one ever replied. I have received calls from collection agencies. I had to start making payments as they were ignoring my requests for review account etc ... and in the end I realize that they truly want to get {$650.00} from me more or less for the following reason : As of XX/XX/XXXX I've paid XXXX {$400.00} and this month I received a letter from Diversified Consultants showing that my balance is {$240.00}, add the XXXX that I've paid and the total is {$650.00} which is ridiculous in so many ways. I know that many folks have filed complaints against XXXX and with good reason-look what they did to me and continue ... I've asked many times via postal mail to review and reduce my bill but they never did-they don't care, they don't have problems sleeping at night nor they have a conscience so why should I allow this to continue when they owe me money? It's always the same ... Last, while I am retired I'm also XXXX and they didn't care about this one bit nor did they care about how their lies added to my daily, XXXX XXXX.
Consumer complaint received 2018-07-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NY)

Experian is reporting a XXXX reposession on my credit report its been over 10 years thats should not be on my my credit report as XXXX XXXX XXXX was paid and transfered to XXXX XXXX.
Consumer complaint received 2023-01-27
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. (OH)

XXXX XXXX opened an account to a name and address different than mine. This was fraud. I filled out everything that they needed and the account was eventually removed off my credit. XXXX then send the account to another debt collector a year later. XXXX did not remove the fraudulent account from their system, as they should have. I disputed the collection with Experian and XXXX. XXXX removed the account in 3 days. Experian said the " Verified and Validated '' that the debt was mine. Which is of course impossible, since it's not. They said they asked the debt collector if the debt was mine, they said it was, so that is good enough for them. That defies any logic and is not the definition of Verified or Validation. A sad excuse for an investigation. They have my SS number, so verifying my address history would not be hard. Despicable that a company in charge of your Credit score could be so negligent. They also hung up on me when I spoke to them and voiced my disappointment with their process.
Consumer complaint received 2019-04-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IA)

To Whom It May Concern, I was sold a used XXXX XXXX vehicle by the XXXX XXXX dealership of XXXX XXXX, California in XXXX. I was fitted into a loan promoted by the dealership itself known as Santander Consumer USA. The vehicle was sold to me under false pretenses, as the car was in poor condition and had mileage that was falsely reported in the original paperwork for the purchase of the car. 
The odometer had illegally been tampered with and as a result, the reading was inaccurate. I attempted to contact the dealership and the loan department to no avail. I then proceeded to contact Santander Consumer USA in an attempt to remedy the situation and return the vehicle, allowing for the lease to be considered null and void. 
Santander Consumer USA proceeded to voluntarily threaten my credit by posting a charge-off to my account when I voluntarily turned-in the car in XXXX XXXX, New Mexico in XXXX. The Vehicle was serviced repeatedly, costing thousands of dollars, at many XXXX XXXX dealerships throughout the Western United States. 
I have attempted numerous times to settle the debt with Santander Consumer USA, to be told that unless the lease terms were met in full financially, they would not reverse the charge-off status on my credit reports. The vehicle was sold again at auction and I have been left with a very damaging mark on my Credit Reports and have been repeatedly denied credit over this  allegation Is there any assistance you can offer me on this matter? 
Most sincerely,
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

Dear Consumer Financial Protection Bureau, On XX/XX/2017 my wife was browsing online and opened a website for eye cream but immediately exited when a small window popped up listing a " monthly program ''. Subsequently we were surprised when our Dividend Citi Mastercard statement arrived showing a monthly billing program for something for which my wife had not checked. The first two charges were listed as the following : XX/XX/XXXX XXXX  XXXX Ca for {$89.00} and XX/XX/XXXX XXXX XXXX XXXX CA for {$89.00}. 

Upon receiving this statement we called Citi Card which opened an investigation and then made our conditional credit permanent. We also cancelled that Dividend Citi card and received a new one to break any merchant charging chain ( advice of Citi ), We then cancelled the Merchant ( receiving an e-mail receipt ) for redundancy.

But then the real problems started with Citi starting again to do monthly charges for the program for which we neither had signed up for nor received anything and then added late fees and interests. We continued to pay promptly all of charges excepting out the fraudulent monthly billing which soon ran over {$1100.00} and for which we spent many hours on the phone in sheer frustration with Citi customer service. 

We were fortunate that our PA Attorney General 's office had a fine agent XXXX XXXX XXXX help with our case ( XXXX ) but now she has done all that she can and Citi continues to run the clock even though we cancelled that card and our other Citi Driver 's Edge card ( used for 23 years ). Her contacts are XXXX and XXXX XXXX. 

Upon reviewing ConsumerAffairs.com we realize that many other Citi complaints are based on Citi " holding a billing dispute open for many months '' while continuing to accrue a compilation of fees and interests. 

Thank you for your consideration. .XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and XXXX and landline XXXX XXXX and international cell ( not always the best clarity ) XXXX XXXX. 

We have a file of correspondence over a half inch thick and have spent many, many hours on phone calls with Citi Customer Service to get nowhere.
Consumer complaint received 2023-01-27
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. (IL)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX sent me an email stating that they are no longer serving my account when I called to settle. XXXX XXXX is the person that emailed me. His email is XXXX. Please see the attached letter as confirmation that XXXX XXXX XXXX no longer has this account.
Consumer complaint received 2018-07-24
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. (TX)

I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. The only account that they stated they had was a XXXX XXXX XXXX XXXX account for {$360.00}. They stated that this account would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX on my credit bureau and it's negatively impacting my score. *see attached reporting documents*
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX and multiple banks like XXXX 's score powered by experian, XXXX  XXXX XXXX XXXX all say i have scores in the XXXX to XXXX for years. I paid 100 % on time payments since I was a XXXX XXXX XXXX kid and paid 100 % on time for over a decade as one brought up in a low income minority. My credit use is 0-5 % now. i took pics that show a bit higher but still in the green. 0 derogatory marks, over 20 accounts, and only 1 hard inquiry from like 2 years ago. and 4 year average which is only 10 % of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has 80 % payment history over 30 late payments. a 96 % is lowest red. He got 80 %! 60 % card usage vs my 0-5 %. a {$2000.00} credit limit vs my near {$50000.00}. only 10 accounts vs my 20+. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and XXXX XXXX while having 100 % marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over 30 late payments and over 60 % usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. 98 % 3 hard inquiries 3 greens, 3 yellows has almost XXXX SCORE! I have 5 greens, and 1 partial red 4 year average only 10 % of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the 35 % 30 % formulas I should be easily over XXXX especially if a 98 % history with 3 hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience.

Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. 

If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. 

I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I HAVE TRIED TO CONTACT THE BANK OF AMERICA SINCE, XXXX XXXX, XXXX XXXX, XXXX XXXX, AND THE LAST ON XXXX XXXX I ASK THE BANK OF AMERICA TO SEND ME A COPY OF THE APPLICATION OF THE ORIGINAL CREDIT CARD WITH MY SIGNATURE, BANK OF AMERICA I HAVE NOT BEEN ABLE TO PROVIDE IT, AND I HAVE ALREADY PASSED MORE THAN 90 DAYS AND I CONTINUE TRYING TO BE SENT THAT APPLICATION FROM THE ORIGINAL CREDIT CARD ACCORDING TO THE LAW THE BANK HAVE A PERIOD OF UP TO 30 DAYS TO PROVIDE THIS INFORMATION OR SHOULD BE REMOVED FROM MY CREDIT REPORT, VILOLACION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( INCLUDING BUT NOT LIMITED SECTION 807-8 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT ( INCLUDING BUT NOT LIMITED TO SECTION 623-B
Consumer complaint received 2019-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

On XX/XX/XXXX a letter was sent to Fay Servicing from XXXX, XXXX XXXX XXXX on my behalf requesting an explanation or removal of a corporate advance charge of {$5200.00}. I had previously sent this request to XXXX XXXX, Account Manager at Fay Servicing explaining that this charge had no merit as I was not in default or foreclosure. It is now XX/XX/XXXX, and I have not received an explanation or correction on this matter. I know that within 30 days of talking to your service provider, there should be some kind of resolution ( or response ) to the problem and if there isnt, they have violated federal law. Additionally, I have stop receiving monthly mortgage statements for several months. Fay Servicing tried to have me accept a payment plan that was made by XXXX XXXX. I told them I did not want to accept it because I was paying my mortgage and the numbers XXXX listed were wrong and they were no longer my service provider. Additionally, I told XXXX XXXX that I would not sign off on XXXX XXXX Plan, and he told me that I did not have to sign off. This appears to be Fay Servicing trying to forcibly make me agree to a payment plan that I did not accept. I believe this to be illegal. All my payments made by check clearly outlined each month being paid. Instead, it is my assertion that Fay Servicing charged these amounts erroneously to corporate advance instead of the monthly statements to deliberately make it appear that I was in default of my loan. This is unethical.
Consumer complaint received 2019-04-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Financial Group, Inc. (MD)

Back in XXXX Pinnacle Financial Group purchased my auto loan from XXXX XXXX. Ever since then I have had multiple issues with this company. Back in XXXX of XXXX they fraudulently charged my card 2 in the same month. Most recently they are claiming I owe late fees from XXXX and current. I previously had several conversations with different account representatives regarding late fees. They refunded me the late fees in the past because my original contract doesn't have any late fees and they have NEVER given me a response regarding their late fee process. I would like them to remove all previous and current late fees so that I can settle this account once and for all.
Consumer complaint received 2018-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have worked hard on removing inaccurate information from my credit report as well as updating my address, email address, and phone number to XXXX. I currently am XXXX and on a deferment plan. I just recently pulled my credit for my own review to find out that they are reporting that I have been late every month in XX/XX/XXXX. I'm beyond livid at this point as I mentioned before I've spent a lot of time and energy removing previous inaccuracies. My credit score was XXXX now I'm below 600 due to this. This loan was from XX/XX/XXXX and is under 1,000.00 due.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (KY)

When I logged into my bank account this morning, I noticed that XXXX had been debited out of my account. It said, XX/XX/XXXX Adjustment - XXXX XXXX - {$180.00}. When I called Navy Federal I was told it was for an account that was overdrawn, however, neither of my checking accounts were. I came to realize that they were referring to an old account, 4 or 5 years old to be exact, that had been discharged in my bankruptcy that was discharged XX/XX/XXXX. The lady connected me to the bankruptcy department and I explained to the gentleman over the phone that this is against the law and that I had contacted my bankruptcy attorneys office and was awaiting a return call. This is not the first time I have had to fight with these people over unethical practices where my bankruptcy is concerned.
Consumer complaint received 2019-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello and thank you for your assistance in advance with this sensitive request. 

I have been a victim of fraud and placed a fraud alert on my credit reports with all three bureaus on XX/XX/XXXX. The fraud began in XXXX apparently and I have since tried to take precautions on protecting my credit from being compromised from unauthorized accounts and inquiries. I have paid over {$420.00} to credit monitoring websites and to certifying and notarizing documents to send to each credit bureau and the creditors with no luck. 
On XX/XX/XXXX, I submitted to all three credit bureaus a signed and notarized document and certified it to XXXX, XXXX and Trans Union. On XX/XX/XXXX, I received confirmation that all three credit bureaus, XXXX, XXXX  and Trans Union signed for my certified documents. In compliance with the Fair Credit Reporting Act of 15 U.S.C. 1681, Section 611, the credit bureaus have 30 days from receipt ( XX/XX/XXXX ) to  investigate and/or remove and block the fraudulent accounts/inquiries. 

It is now XX/XX/XXXX and there has been no response or update on my credit report honoring my request to remove the unauthorized and fraudulent inquiries from my credit reports. This unresolved issue is hindering me from being able to apply for a new home loan and a new car so that I can be able to provide for my family. 

I am requesting the help of the Consumer Financial Protection Bureau to resolve this urgent matter and be done with this once and for all please.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NY)

I recently opened a XXXX store charge card. I used the card and attempted to make two payments which were returned. I put in the wrong bank account number when making the payments. Upon discovering that I had done this I promptly sent a replacement payment which posted to the account. I actually overpaid the account which resulted in a credit balance. XXXX/TD Bank closed my charge account. I called XXXX  to ask about opening the account again and the agent told me I would need to send a letter to XXXX asking for the account to be opened. I sent the letter and then called again and I was told that it wasn't possible and that I would need to reapply. I don't want to re-apply and hurt my credit score and by opening an account and immediately closing it XXXX  is hurting my credit score. I have had no material changes in my credit since XXXX  first opened my account and I've paid the balance in full demonstrating that I had the funds to pay it.
Consumer complaint received 2018-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (GA)

Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX  collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and XXXX XXXX XXXX continue to report the account as belonging to me, affecting my credit report.