davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (SC)

On XX/XX/XXXX, I was issued a loan from XXXX XXXX for {$1000.00}. To date, I have paid {$1000.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1200.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$1000.00} loan, the fees collected should be {$150.00}. Once my XX/XX/XXXX payment of {$200.00} has cleared, I will have paid {$1200.00} exceeding the {$1100.00} allowed by South Carolina law. 

The XXXX website does not show a balance due, however, indicates payments of {$200.00} are to continue bi-weekly until XX/XX/XXXX. After the XX/XX/XXXX payment, this means I will have to pay another eleven payments of {$200.00} or another {$2200.00}. This will result in my paying {$3400.00} for a {$1000.00} loan. 

This is PREDATORY, OBSCENE and APPALLING!!! XXXX XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 

Once my XX/XX/XXXX posts to my account, I will have paid {$1200.00}. XXXX XXXX will have received the {$1000.00} back plus {$200.00} in fees. At that time, I want my account marked " Current/Paid in Full/Closed ''.
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dear CFPB, I really need help to address this inaccuracies on my credit report which is tarnishing my reputation and stopping me to establish a good credit. I have sent a dsipute to credit bureaus but I was not able to receive a good response. 

CAP1/SAKS XXXX
Consumer complaint received 2018-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CT)

I filed bankruptcy in XX/XX/2018 and TD Bank ( Raymour and Flannigan line ) charged off my account and is showing I still owe a balance on the credit report, but still filed their proof of claim. When disputed with the company I was transferred several times and finally ended up with a gentleman who informed me that I was out of luck to fix it.
Consumer complaint received 2018-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Peoples Commerce Inc (PA)

Post bankruptcy, People Commerce XXXX XXXX PA is showing I have a {$2300.00} balance with the credit bureau XXXX. My bankruptcy went thru XX/XX/2017, my account with People Commerce was closed XX/XX/2017. With XXXX they are reporting a XXXX balance.
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

First I was having problems with XXXX and XXXX. After reporting them so much now its Experian. To many false addresses I Dispute them and nothing happens. XXXX XXXX was removed from my credit report. Now its back on there they are falsely reporting my credit card with the wrong credit limit also. My credit limit is XXXX not XXXX.
Consumer complaint received 2019-05-05
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. (CT)

I had an account with XXXX XXXX XXXX XXXX. The vendor, XXXX XXXX, in XXXX, did not complete the job I paid for and cause additional damage to the transmission. I had to have the job re-done at XXXX 's XXXX in XXXX, and the owner agreed to supply me with a letter stating the damage was caused by XXXX 's mechanic. I submitted the documentation and asked for the charges to be reversed as per my contract. XXXX refused, so I disputed the charges. On XX/XX/2018 I settled with XXXX through XXXX, XXXX 's collection agency, who agreed to list the account as " paid in full, '' without any derogatory comments, including the account having been settled or any monetary amounts having been " written off. '' At the time, I needed to have the account cleared per the requirements of my mortgage company who was financing my new home. 

I have a voice recording of the conversation with the agent from XXXX who agreed to these terms, and a letter from the collection agency, XXXX, stating these are the terms. 

XXXX has assured me that all the credit bureaus were notified of this update, but all three credit major credit bureaus ( XXXX, Equifax, and XXXX ) all have inaccuracies still listed.
Consumer complaint received 2022-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX while in XXXX XXXX a friend and I visited XXXX XXXX XXXXXXXX XXXX. I was told that the bill was going to be XXXX Pesos however after I signed one of the receipts he came back and said it was denied and asked me to sign again. He was covering the amount and when I uncovered it is was for XXXX Pesos. I complained to him but decided to allow the extra charge. The next day I got home and looked up the charges and there were 2 charges from 2 different establishments. XXXX and XXXX XXXX XXXX XXXX When I contacted my credit card company Capital One they informed me that the charges were made with XXXX minutes of each other. Obviously this business has a setup to double charge customers. After Capital One supposedly investigated the charges they found no evidence of fraud and charged me {$600.00} USD for the fake transaction plus {$510.00} USD for the one that I did authorize. I have already closed my account because of the poor customer service but I still have a balance to payoff.
Consumer complaint received 2018-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is a response to a previous complaint submitted regarding my credit report not having a FICO score and showing me as deceased. Transunion is now requesting a copy of my DOB. How does this company operate on a daily basis? TranUnion has my  date of birth and deceased date as the same date XX/XX/XXXX. Are they disputing that I was not born on XX/XX/XXXX. 

Additionally after not having a credit score for so long they decided to give me some random score of XXXX? I don't have any lates, derogatory information and have a lot of accounts with low balances or no balances for the purpose of maintaining a higher score. My FICO with XXXX is XXXX How did Transunion come up with XXXX? Also why are they requesting a proof of DOB?
Consumer complaint received 2022-07-10
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: Chime Financial Inc (AL)

I purchased a flight with insurance on XX/XX/30 it was for the incorrect date. I noticed and called the airline they refused to fix the flight they wanted to charge an additional {$100.00} to change or to cancel so I called to dispute it with my bank they canceled the dispute said its not an error but I never took the flight and it wasnt even supposed to leave til XXXX. XXXX XXXX, XXXX XXXX insurance and chime financial
Consumer complaint received 2019-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

MR COOPER HAS MY LOAN. I HAVE BEEN TRYING TO GET AMORTIZATION SCHEDULE FROM THEM UNSUCCESSFULLY FEW TIMES. WHY IS THIS INFO NOT AVAILABLE ON MY ACCOUNT. I WAS ALWAYS ABLE TO VIEW THIS INFO WHEN XXXX XXXX HAD MY LOAN?? HOW CAN THEY GET AWAY WITH THIS. I MAKE EXTRA PAYMENTS TO MY PRINCIPLE BALANCE AND I HAVE TO WAY TO CHECK IF THIS IS BEING CALCULATED CORRECTLY BY THEM SINCE AMORTIZATION SCHEDULE IS NOT AVAIALBLE!!!!!!!!!
Consumer complaint received 2018-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My XXXX XXXX  cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.
Consumer complaint received 2018-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

My XXXX XXXX cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise Credit Service is collecting for XXXX. When I first heard from them I asked them for information about whatever bill they were collecting for because I wasn't aware of any balance due. I asked them again and again for validation of the debt but their only focus was to collect the bill they claimed I owed. They hounded me and I caved in and paid when they said they wouldn't put it on my credit report if I paid it immediately. They put it on my credit report anyway and never would validate or clarify the debt.
Consumer complaint received 2018-09-06
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. (SC)

XX/XX/XXXX I have made many phone calls to my Citibank credit card. There was a charge by XXXX XXXX XXXXr on XX/XX/XXXX of {$620.00} that I did not make. I called within the 60 day window to dispute the charge. They refused to investigate the charge. In fact they wanted paperwork from XXXX despite the fact I had not done business with them. The girl on the phone claimed she had no option to dispute it. ( Something to do with it being a rental car company. ) I asked for a supervisor which then hung up on me. So, I called and complained about that. When I read somewhere that I needed to cancel the card to dispute the charge, I called Citi, cancelled the card and Citi informed me that they would be investigating the XX/XX/XXXX charge with XXXX. ( This was my 6th call to them. And took place on XX/XX/XXXX. ) I received my new card and activated it on XX/XX/XXXX. On XX/XX/XXXX I called again because Citi still was not investigating the charge not was it showing a credit on my account. On XX/XX/XXXX I spoke with a female named XXXX (? ). She also told me that this amount would be reflected on my new card in 2 to 3 business days. It was not. It still is not being reflected on my  account. I called 2 weeks ago and was told it would definitely be showing up the week of XX/XX/XXXX. It did not. I called today ( XX/XX/XXXX ) and was promised yet again that it would show up. But, if it did not, I still could deduct the {$620.00} off of my next payment. I think they are still pushing me aside.
Consumer complaint received 2018-09-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a traditional IRA account with a local bank. I have been trying for several months to transfer the account to an IRA account at another bank. I have filled out all the required forms and sent to the new bank. The new bank forwarded the forms to the bank holding my account and NOTHING happens. The new bank keeps telling me that they are waiting for " the check ''. They advise me to call my bank to expedite the process. I did that and am told that the transfer is " on hold '' because information is missing. Next it was a " medallion signature guaranty '' that was missing. I get that done. The new bank sent in the forms again. Again no response. I call again and was told the forms had not been received, and what address they had been sent to. I confirmed the address [ the one on my account statement ] only to be told that that is not the right address. [ the previous - rejected - forms had been received at that very address ] Meanwhile, the local branch - I have a checking account there - can not help because " they are a separate company from the XXXX XXXX and are not related ''. I tried to contact the " representative '' listed on my statement [ XX/XX/2018 ] - got a message that she does not work at the bank anymore. 

I am XXXX years old, trying to make my life easier by consolidating my bank accounts. I have been a customer with this bank for many years and I find this experience horrifying! It's my money. They know me personally. All forms properly have been filled out and submitted. They have a verified signature. They keep putting obstacles in my way to keep my money in the account. What can I do to break this cycle .... or do I have to expect this to happen with all my " retirement accounts '' [ with some other other banks ] when I want to transfer or close an account???
Consumer complaint received 2019-05-06
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: CNG FINANCIAL CORPORATION (AZ)

I have disputed this numerous times certified to credit reporting agencies. I have also tried calling any numbers linked to account and it it like they have disappeared. States it is from California a payday loan. I love in Arizona. Have not had this account verified.
Consumer complaint received 2022-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (GA)

XXXX XXXX World Omni Financial Corp has breach the agreement as it pertains to the truth and lending law. They fail to issue a form XXXX. They fail to give me a check for the finance charges. According to 15 USC 1605 the amount of the finance charge in connection with any consumer transaction shall be determined as the sum of all charges. Charges or premiums for insurance written in connection with any consumer credit transaction against loss of or damage to property or against liability arising out of ownership or use, shall be included in the finance charge.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc. (WA)

EOS CCA has caused harm To my credit score overnight. They put a unverified debt of XXXX in collection and reported to two of 3 credit bureaus. The so called XXXX claim was old previously disputed frudarant debt of XXXX. This debt was disputed twice from two prior collection agencies that went no where over two years ago.
Consumer complaint received 2018-09-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Over draft fees. I was advised they could be waived as a courtesy due to employment situation. I have a financial hardship with {$230.00} of fees on a balance if {$320.00}. Im a long time customer with Wells Fargo and they always say theres nothing they could do
Consumer complaint received 2019-05-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: U.S. BANCORP (NC)

XX/XX/2019 - responsible for $ XXXX+ on a {$54000.00} priced car in lot I have called XXXX XXXX Ohio every business day for resolution. 

Ive called XXXX XXXX corporate documented everything. 

I called Us Bank ( new bank ) I called XXXX XXXX bank XX/XX/2019 informed of my car on dealers lot for sale and they said they have my loan not paid and they own title of car Dealership XXXX XXXX Ohio lied to me about warranty manufacturer XXXX which doesnt exist. When I called corporate they informed me my warranty was much less at XXXX. 

Dealership lied to me saying my car trade was wrecked. False information. I checked XXXX when I saw my car for sale on a dealers lot XX/XX/2019 and it states no accidents. 

I was lied several times for a sales deal. 

Unethical business practices and I should not be responsible for a contract signed with false representation and false information to instill fear in me to get back home safe.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

I am a Sole Proprietor with a Business Phone number. IQ Data International @ XXXX called to collect a very questionable debt. 

They did not confirm my identity, and started to threaten my employee thinking she was me. 
They told her I owe money to a utility company. 

I have never received a letter by mail, email, or any other means of communication. 

When they started to shout and speak over my employee, I took the phone and asked if they were looking for a cleaner, and stated our hourly rate. He began to shout at me, telling me to calm down. He demanded proof that I don't owe his company the money, which is just a joke! 

Can we please get XXXX XXXX at IQ Data International to stop illegally calling companies in order to collect a fake debt, AND threatening employee 's, whom were never asked any security questions to confirm identity? 

I would like the harrassing Phone calls to stop kindly, as they can reach me by registered mail with any questions, or concerns. 
Thanks and have a gorgeous day!!!
Consumer complaint received 2018-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Northwood Asset Management Group (PA)

I received a phone call on my cell phone at around XXXX XX/XX/2018 from a company who spoofed their number to appear local, but they were not. They left a voicemail claiming to be " Offices of the Northwood Group '' and left a detailed message with my name, number, address, last 4 of my SSN, and a case number. The same call was also made to my brother in Arizona with a message containing the same information and spoofing the number to be local to him. 

They claim I haven't responded to any correspondence with them about a debt with them. I have NEVER received anything from them whatsoever. I had XXXX  them and found out that they are known by a law firm which I have used in the past for another violator of the Fair Debt Collection Act, and won the case. The law firm told me that they were in clear violation of many things by their actions and to contact you because they will NEVER pay out any lawsuits made against them. 

I still have the voicemail on my phone at the moment. 

I want to take whatever action I can against them for the negligence of this company to the fullest extent!!
Consumer complaint received 2022-07-10
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: U.S. BANCORP (CT)

On XX/XX/22 an unauthorized person. used my ssn and tried to open a usbank credit card. 

I reported the fraudulent transaction to usbank and XXXX XXXX. 

Usbank did not open the credit card and XXXX XXXX advised me to report the incident to the federal trade commission.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

On XXXX XXXX I sent a letter to WAYPOINT RESOURCE GROUP XXXX XXXX  XXXX XXXX TX XXXX, I requested VALIDATION OF A DEBT they say is owed to them ... In response to my request they keep sending me bills which is not validtion of a debt. This is a third party collection agency I request they provide written documentation signed by me and them stating I the debt is mine and that I would pay the debt to them. Following below is the exact verbiage that was sent to them. Instead of sending me the signed documentation I asked for what I received was copies of bills which is not VALIDATION OF DEBT. I am requesting that WAYPOINT  cease all collections and remove themselves from all credit reporting agencies as I did not authorize the sell or use of my information for any purpose. Attached you will find verification of communication I sent to them also documentation they sent back to me. There is NO CONTRACT between me and this agency. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. Please attach copies of the following documents : 1 ) Agreement with your client that authorizes you to collect on this alleged debt. 2 ) Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 3 ) Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
Consumer complaint received 2022-07-10
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. (TN)

My account with XXXX 's has been paid and closed since XX/XX/2021. I have contacted XXXX 's multiple times to correct the error which they say they have but my report still reflects derogatory. This account needs to be removed from my credit report for inaccurate reporting since XX/XX/2021, at the very least remove they should remove derogatory remarks. I have attached a copy of my account status for XXXX 's acct XXXX.