davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (NV)

I took a secured loan with OneMain Financial in XXXX, Nevada on XX/XX/2019. My vehicle was used to secure the loan. I was to receive a loan for {$10000.00}. The funds were to be deposited in my checking account the following day. When the funds were deposited I saw the deposit was for {$8800.00}. I called the OneMain office and was told that a loan origination fee for {$1200.00} had been deducted from the loan proceeds, for a whopping 13.79 % fee up front, on top of the 30 % interest rate. 

When completing the loan documents in their office it was all done electronically, no ink signatures. Simply put the OneMain attendant briefly reviewed the documents on a computer screen, and would advance from document to document. I would not have ever approved an outrageous {$1200.00} loan origination fee on a $ XXXX loan! Either that document wasn't there, or just as likely the attendant just advanced right by that document. OneMain never gave me any documents until I called them to complain, and the electronically signed documents were overnighted to me the next day. The are in violation of Nevada NRS 675.360.1 as applies to loan origination documents. 

I sent a registered letter of complaint to OneMain 's corporate office at XXXX. XXXX XXXX, XXXX OH, XXXX on XX/XX/. I received a call from their corporate office approximately a week later, they apologized for the confusion, and failure to provide me the loan documents, but they had no plans to waive the loan origination fee.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC (CA)

Had made a request for financial background check once I XXXX bank transaction and transfer suspicious activity. The report I received was from XXXX, and at most showed my ss num attachment to a XXXX XXXX XXXX within the same institution example XXXX & XXXX. XXXX  XXXX XXXX. As I had discovered more questions on zelle and found issue with acct connection with other banks like XXXX XXXX XXXX XXXX and more, I was concerned that fraud was a situation and found that with no notifications about a recent death in the family, it was possible my grandmother might have had me listed as a beneficiary or joint. So my request was to get a detailed report of all accts which I'm not sure I even received. Now up to my XXXX in XXXX accts n lost deposits from Treasury n potentially the results from the other cases I have opened with cfpb that went to fed XXXX board, even unclaimed funds due as well as a few settlement pymts that have not reached me ; I'm wondering were things have gone as I'm now in a situation where resources are scarce
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL  IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I can not give specific dates as I fell on hard times but I was repeatedly contacted by this company to the point of harassment. I've had to block upwards of 10 numbers to get relief, I was having so much anxiety whenever my phone would ring I debated changing my number all together.
Consumer complaint received 2020-02-24
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. (FL)

I am a victim of identity theft and have had a fraud alert on my credit report and a security freeze. I do not understand why I have inquiries from companies that I never applied iwth or gave permission to pull my credit reports The companies I have not authorized are 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, I HAVE FILED A FEW POLICE REPORTS AND A FTC REPORT VIA FTC REPORT NUMBER XXXX. I have attached police report confirmation to this complaint.THE REPORTS DETAIL EACH NEW ACT OF FRAUD ON MY CREDIT FILE.
Consumer complaint received 2020-02-24
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. (GA)

Equifax, XXXX  and XXXX XXXX have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (NV)

i recently reviewed a copy of my crediy report. i was really mad to see i had been a victim of identity theft. i found a account on my credit report that was not open by me. this has been hurting me at buying my first home and i had my XXXX XXXX this year at the age of XXXX. I finally have a family now! - ) please remove this fruadulently open account from my credit report soon as possible!
Consumer complaint received 2020-02-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (NY)

I underwent hard financial times and was constantly harassed by this company, after I repeatedly told them I felt like I was being harassed I was still being contacted. I've had to stop block over 10 numbers to stop the harassment. I can not give specific dates because it felt like it was occurring every day.
Consumer complaint received 2020-02-24
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: EQUIFAX, INC. (CA)

Equifax has failed to respond in a timely manner to my dispute letters of XX/XX/2019 and XX/XX/2019, deposited with the U.S. Postal Service on those date. Federal law requires them to respond within thirty ( 30 ) days, yet they have failed to respond to both of my letters. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC should they continue in their non-compliance. I further remind them that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance.
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXXUSAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired inXX/XX/XXXX. <P/>Attached are all relevant documents that USAA Federal Savings Bank has provided to date. I was also expecting copies of any and all documents substantiating that I am in fact a co applicant. All documents provided are unsigned and have a street address where I live but can not receive mail.
Consumer complaint received 2021-04-17
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. (PA)

I recently challenged the validity of XXXX XXXX {$2000.00} XXXX XXXX AND XXXX # XXXX {$9300.00} XXXX XXXX XXXX  XXXX XXXX # XXXX {$750.00} XXXX XXXX XXXX {$250.00} U S DEPT OF EDXXXX # XXXX {$84.00} U S DEPT OF EDXXXX # XXXX {$1500.00} U S DEPT OF EDXXXX # XXXX {$2500.00} and U.S. DEPARTMENT OF EDUCATION # XXXX {$2400.00} DEPT OF ED/XXXX # XXXX {$2800.00} DEPT OF ED/XXXX # XXXX {$15.00} DEPT OF ED/XXXX # XXXX {$3000.00} DEPT OF ED/XXXX # XXXX {$1300.00} DEPT OF ED/XXXX  # XXXX {$2100.00} DEPT OF ED/XXXX # XXXX {$800.00} DEPT OF ED/XXXX # XXXX {$560.00} accounts that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX  credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Consumer complaint received 2020-02-24
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. (NJ)

On XX/XX/XXXX and XX/XX/XXXX, I submitted dispute twice. Equifax agrees that multiple addresses are wrong and said that the addresses were removed. However, until today XX/XX/XXXX the wrong addresses are still on my credit report. Besides, they disagree with my dispute for the credit account and hard inquiries.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc. (PA)

My credit score and credit is being denied and my score is poor due to me being held responsible for someone else 's unpaid debt. There's utility, cellular service, vehicle loan, and mortgage loan for a home I never owned or even lived in. It has to due with my partner who passed away in 2014 and he was still legally married at that time and his " wife " due to her not liking me and not wanting any of his debt has somehow gotten away with putting his debt on me. How is this legal? They were still legally married and she lives in said home and collects his social security benefits but yet my credit is the one being impacted and I'm having all of this come up on my credit report. She is the one who is legally married and she should have all of it on her credit and she's the one responsible for it not me. Please help me get all of this off my credit report. Thank you.
Consumer complaint received 2020-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

I applied a credit card with PenFed and was given a bogus reason for denial : " We do not grat credit to any applicant on the terms you requested. '' I called PenFed and they admitted it is a system glitch and asked me to provide a written request to have them re-process the application. 

XXXX XXXX from XXXX XXXX XXXX team told me they won't reconsider unless I provide documentation. The problem here is that XXXX XXXX did not take time to read my request and gave me a boilerplate text reply.
Consumer complaint received 2020-02-24
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. (GA)

XXXX, Experian and XXXX XXXX have all failed me. They must remove this damaging item off of my credit file. This account was already investigated via certified mail back in XXXX and was removed.They have allowed another company to alter information and fraudulently report an account under my credit file again. I received alerts from XX/XX/XXXX and XXXX that XXXX XXXX XXXX opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor XXXX XXXX XXXX has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX  for {$400.00}. XXXX XXXX XXXX is reporting {$400.00} to all three bureaus which is not accurate.
Consumer complaint received 2022-12-01
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. (NY)

Starting XX/XX/XXXX, XXXX XXXX illegally changed the due date on all my credit card accounts with them. They have also changed the due date for tens of thousands of their card holders. In doing so XXXX XXXXXXXX violated Federal Law as well as my rights and the rights of thousands of their cardholders : The three accounts where dates were illegally changed are as follows : XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX {$4700.00} XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX {$7600.00} XXXX XXXXXXXX XXXX XXXX Account XXXX Balance {$5400.00} TILA ( Truth in Lending Act ) ,15 U.S. Code 1637 and CARD ACT of 2009, ( o ) DUE DATES FOR CREDIT CARD ACCOUNTS- ( 1 ) IN GENERAL - The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month. 

From XX/XX/XXXX XXXX XXXX unilaterally without permission and illegally changed mine as well as other customers ' due dates and continued to fraudulently report these inaccurate dates and incorrect reported dates to credit reporting agencies. Worse, they did not make any notice on the statement about account changes as prescribed by law. 

As per Sec 127 15 U.S. Code 1637 it is clear the due dates can never be changed unless a consumer requests it. XXXX XXXX willfully violated the due date nullifying all late payments as invalid as the due date was not correct thus any lateness reporting is also false. Furthermore the dates reported are simply inaccurate. On top of this they changed the billing cycle dates, also illegal. I have asked for corrections on this issue with the credit bureaus and XXXX XXXXXXXX multiple times and they continue to report that everything is accurate and their reporting history is accurate.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I am filing a complaint against Citi Mortgage regarding my review for a XXXX loan modification under the HAMP program. I successfully submitted a workout packet to the servicer. I was told repeatedly that I was quote " in review '' and that the file was being reviewed for home retention under the Government program. I am currently in a toxic interest only loan that is going to reset and my mortgage payment is going to skyrocket, making it impossible to keep my home. I finally received a decision and spoke with my single point of contact XXXX XXXX who stated. " Because you are not late XXXX XXXX you been denied a loan modification. I was provided the net present value findings, some of which were not even properly reviewed. They were left blank. I have opened up a dispute with Citi Mortgage and am soliciting an official complaint with the Consumer Federal Protection Bureau. Citi Mortgage is in violation of a Treasury Guideline under the Making Homes Affordable Program. Citi Mortgage egregious behavior is without questions unlawful. I am asking for a proper review and subsequent approval of my loan modification, which will enable me to keep my home.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

We applied for refinancing Fifth Third Bank in XXXX 2015. We filled out the application and opened an account as suggested, began our home banking, began submitting all documents and exchanging correspondence. As the months went on, several obstacles seem to arise and more documentation seem to be needed and supplied. And again more and more. Then time lines seem to pop up expire, get extended, expire and disappear. More paperwork and re-submissions. Phone calls and emails to one co-owner and not to the other so that communication was not clear ... .. Finally we told XXXX XXXX, NO MORE EMAILS OR PHONE CALLS. WE WANT COMMUNICATIONS IN WRITING VIA USPS MAIL ONLY. The next communication we received was an email from a regional manager saying that our application had expired! We already had assumed that this was fraud and that we had been taken for a " RED LINED '' ride! This was a HARP refinancing loan with our equity and XXXX mortgage.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (VA)

I am writing to file a complaint regarding the Bloomingdales American Express credit card, which is issued by Department Stores National Bank and/or Citi N.A. On or about XXXX 2015, Bloomingdales transferred the administrative responsibilities for their American Express product to Citi NA. Since that time, I have been unable to access the website to pay this account in a timely manner. Furthermore, since I no longer receive a paper bill it makes it nearly impossible to pay the bill for this account unless I actually call the Department Stores national Bank customer service line. Bloomingdales has publicly noted that their payment website has been having issues since XXXX 2015 ( see attached email from XXXX XXXX, 2015 ), but has not done anything to remedy the problem in the intervening period ( see attached screenshot from XXXX XXXX, 2015, blocking access to the Department Stores National Bank/Citi website ). It is obvious at this point that the problem goes beyond mere technical problems, and may be an effort by Department Stores National Bank/Citi to increase late fees and other charges by denying consumers timely access to the credit card accounts and statements.