davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

I applied for and was approved for a 0 % balance transfer APR & 0 % on purchases. I almost always paid more than I spent in a month, but when my purchase APR promo was up, they insisted I still had a purchase balance, which they applied interest to. I asked repeatedly for a breakdown of how my payments were applied and have repeatedly been told the payments are applied to the minimum payment due, then the balance with the highest APR. If that were the case, I should have had a XXXX purchase balance.
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request Experian and XXXX Credit Bureau the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (ME)

I requested that Cavalry Portfolio validate the alleged debt. The agency insufficiently met is statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.
Consumer complaint received 2022-06-13
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. (MD)

XXXX XX/XX/XXXX, I received a notification from both XXXX XXXX and XXXX whom I use credit monitoring services. Both services notified me that a late payment was attached to my account from XXXX XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX stated I was {$130.00} past due which is inaccurate. 

I have had a car loan with XXXX XXXXXXXX XXXX since XX/XX/XXXX, which at the time of writing this I have made XXXX payments on time. My payments are due on the XXXX of every single month so I make sure that I dont process a payment more than 30 calendar days past that. XX/XX/XXXX, I made a payment through XXXX XXXXXXXX XXXX customer portal as I always do. Even though I attempted to make the payment they would not allow my payment to process until XXXX days later ( XX/XX/XXXX ) not removing the funds from my account until XX/XX/XXXX. Because of this timeline they reported my account as past 30 days late even though I at least attempted to pay my account within the 30 calendar days they just took XXXX days to process this which is out of my control. This dropped my score from a XXXX to a XXXX which is completely unacceptable. I contacted XXXX to resolve this on XX/XX/XXXX at XXXX and spoke to a woman named XXXX XXXX She explained that there was nothing they could do and that I would have to file a dispute with the credit bureaus and then they would contact them for an investigation into the matter. Now I know that is everything but the truth because XXXX XXXX XXXX is my direct lender and they have access to every single phone call, payment transaction, reporting and everything else related to my account which is why both XXXX XXXX and CFPB both asked did I contact my lender to resolve this. I did contact them and she did not want to do her job even after taking my social security number to pull up my account. My hope was to have forgiveness for a honest mistake considering I have never been late with them. My assumption is because it was XXXX XXXX XXXX they would not process my payment until XX/XX/XXXX because it was a federal holiday and they were closed. Again, this is my assumption because nothing was explained to me not so much as even a courtesy phone call to let me know that I was coming close to when theyd stop payments because of the holiday. As a consumer how am I supposed to know what they are going to process or not process according to their own business schedule when my expectation is to have my 30 calendar days which I have always received from other financial institutions. I am going to file a dispute with the credit bureaus today but I also want this investigated into by the CFPB.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

2017 XXXX placed past due on credit report. Contacted XXXX multiple times via phone and in person at multiple stores. Informed me that i owed on a cell phone bill which was past due. I explained I haven't had a XXXX phone in more than 18 years. They continued to pass the buck and/or call me a liar. I paid them in 2017 approx. XXXX or XXXX to protect my credit and they agreed to clear my name and close any accounts associated with myself and credit and SS #. Now Jefferson capital says I owe them and my acct is in debt collections. I have reached out to them and XXXX with no positive reactions. They still call me a liar and i disputed with XXXX Credit reporting companies which also have done nothing to remove the fraudulent acct. I am being taken advantage of by the fact its small claims and like the banks have told me, " just pay them and get it off my report so i can borrow from them, everyone pays to play ''. This XXXX be XXXX dollars but is a XXXX dollar a year or more scam on the consumers who they create these fraudulent small claims debts.
Consumer complaint received 2018-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I sent a certified return receipt letter to Commonwealth Financial Systems @ XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/XXXX. It was signed for on XX/XX/XXXX in reference to what they claim is a medical bill I owe. I asked for them to validate this account and in response, a note was added to my credit file stating " meets FCRA requirements which I pulled today XX/XX/XXXX. I didn't receive any correspondence from Commonwealth Financial Systems stating how they validated the debt, I only got an invoice today XX/XX/XXXX with 2 additional accounts saying I owed an additional {$1100.00} and {$570.00}. I do not owe this debt collection agency and these 2 additional accounts were never in my credit file. I have previous copies of my credit file and would like help trying to find out what kind of scam this company is running! I do not want this company destroying my credit by doing this crooked mess because I disputed what they claim is a debt I owe them. I shouldn't be retaliated against for asking for validation of a bill they claim I owe them. The medical bills they say I owe are dated on the letter I received from them today XX/XX/XXXX as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please help! 
Also, I noticed that the account that was on my credit report as # XXXX For {$760.00} is not the account number that they sent me today XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

On XX/XX/XXXX, I mailed a USAA Convenience Check in the amount of {$1800.00} to XXXX XXXX XXXX to pay my outstanding balance with XXXX. The terms of the financing by USAA stated that the check needed to post by XX/XX/XXXX. 

I called USAA on or around XX/XX/XXXX to discuss options if the check did not post by XX/XX/XXXX. I was told that a stop payment could not be issued. I asked if my best option, then, was to submit an electronic payment. I also asked if the check, if it were processed after the XX/XX/XXXX cutoff date, would be rejected and left unprocessed. I received affirmative responses to both questions. Given this information, which proved to be false, I filed a second transfer on USAA 's website. 

The electronically-initiated transfer posted on XX/XX/XXXX.

The check transfer posted on XX/XX/XXXX, despite being told by a USAA CSR that the check would not be processed. This resulted in two charges of {$55.00}. I feel that one of those charges is invalid, due to being misled by the USAA CSR.
Consumer complaint received 2022-10-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

Talked to a truist rep today and she could not explain why my escrow to my new payments will be {$1300.00} for principal & interest and {$480.00} for property insurance making my monthly payments {$1700.00} monthly. She was telling me about my home insurance being part of my escrow which is not true, that is not part of the escrow being part of the mortgage payments. Property values are reported to XXXX XXXX assessment company by the mortgage company for yearly payments. You reported my property description as a lot size of XXXX worth of XXXX and the size of my land is XXXX. Why I am paying property taxes for a property worth {$370000.00}? {$480.00} come to XXXX in property taxes yearly. My monthly payments should be {$1300.00} plus {$280.00} x XXXX = {$3400.00} property taxes yearly and no shortages, in fact, some should be in a suspense account, for my property taxes should just be {$3100.00} yearly. You stated that you were taking too much of property taxes out and you had reanalyzed my payments to {$1600.00} back in 2020 now you want to bring it back up to {$1700.00} monthly, am I making monthly mortgage payments to my VA account or to XXXX of your account holders with a XXXX car garage last name XXXX.
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (DE)

I sent XXXXRANSWORLD INC and XXXX which they received on XX/XX/2022, they replied on XX/XX/2022 but did not verify the debt. They tacitly agreed that they knowingly and willfully violated my consumer rights, caused me physical harm, and defamed my character by reporting false and inaccurate information to CRAs.
Consumer complaint received 2020-12-14
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. (NY)

I just checked my credit score, and I noticed that it was lowered. I then checked my report and noticed that creditor pulled my credit report without my authorization i dont think that is legal, can the creditor pull your credit report when you did not give them permission? If they cant I need you delete this unauthorized inquiry. I have listed the inquiry bellow. 

ally financial XXXX I never authorized there inquiries ally financial XXXX. I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XX/XX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX cardXX/XX/XXXX I never authorized there inquiries XXXX XXXX XXXX XXXXXXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXXXXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX/XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX/XXXXXX/XX/XXXX I never authorized there inquiries XXXX cards XXXX XXXX I never authorized there inquiries How long will it take before this inquiry is remove from my credit report so my score will go back up, because im trying to get approved for something.
Consumer complaint received 2022-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A. (FL)

Good morning Aware we were almost done with the car payment we placed a call to ask for the pay-off amount to ensure we were sending the right amount. 
Last payment of {$400.00} was made on XX/XX/XXXX ( monthly payment was {$380.00} ). 
As with other accounts we were waiting for the car title but never received so on XX/XX/XXXX another call was placed to ask them about the title. Customer service checked my account and after a few minutes I was told everything was in order that if I want the car title I need to request it at my county or local DMV. 
Recently I was notified that there was a event to my credit report which affected my credit score ; when I checked my credit report I noticed the loan in question ( PNC Bank/BBVA ) is sending them a report as I owe them money. Like I owe them for XXXX payment and this event is affecting my credit score negatively. I was never late to payments and I did my due diligence to call and ask for a pay-off amount. 
Wanting to clarify this situation I called again XX/XX/XXXX. On this day, I got transferred on multiple occasions and after a little over 2 hours I was told that it shows I owe money but that someone will call me to clarify the situation with me. Also my contract that i sign on XX/XX/XXXX stated that my monthly payment is {$370.00} but them pnc change to {$380.00} without explanation. If someone show up and repocess my car for this I will contact an attorney, I still waiting for my tittle. I contact them numerous of time with no resolution This situation is not the best for customer satisfaction. 

XXXX XXXX she call me XX/XX/XXXX and she was rude, liar, incompetent and disrespectful. I pay my bill on time but PNC ruin my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
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. (NY)

in accordance with the Fair Credit Reporting act 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 Account XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

I am a XXXX year old widow on a fixed income. I dont know the exact date, but I recently borrowed {$5000.00} from XXXX XXXX XXXX in XXXX Texas using my car as collateral. Without any notice, my payments doubled then someone was sent to my property without any documentation threating to repossess my vehicle. I was verbally assaulted including racial slurs. After contacting XXXX XXXX XXXX office, I was referred to this service.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I received an email from Experian that my address had been changed. I have this credit guard thing with them, got it free when they messed up recently. Well I tried to log into my account and could not, tried to change my password and username and could not. Their site is not working properly. 
Then I tried to call them, was on hold for over 30 minutes without anyone getting on the phone with me. 
I dont know what do do Im calling again now and have been on hold again for over 20 min without anyone responding to my call. 
What, I just let the people who changed my address get away with this. Nice job Experian!
Consumer complaint received 2022-06-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2020-12-14
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (NC)

On XX/XX/XXXX, I took out a private student loan through XXXX XXXX XXXX/AES XXXX in the amount of {$14000.00}. As of today, XX/XX/XXXX, the balance of this loan is {$21000.00}. Over the years, Ive spoken with this lender to discuss these predatory terms and done forbearances from time to time because Ive struggled with making these payments. But no other solutions are available for this loan according to the lender. I was a college student paying for college on my own when I took out this loan. Now that Im older and more knowledgeable, I now know this was an act of predatory lending and hoping the CFPB can help.
Consumer complaint received 2020-12-14
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. (CA)

On XX/XX/2020 I sent a dispute letter to Equifax. On XX/XX/2020 I received a response from Equifax regarding the " dispute results ''. Equifax has indicated that they were unable to locate my credit file in their data base and in order to further assist me I will need to provide 2 documents from each category provided ( 1 ) driver license and ( 2 ) a Social security card which both were attached to the original dispute letter for the purpose of identity verification. Equifax has requested that the copies be " enlarge '' for legibility as their non-human E-Oscar machine does not have the clarity as rod and cone cells as in the retina to allow conscious light perception and vision, including color differentiation and the perception of depth. The human eye can distinguish about 10 million colors while Equifax 's unmanned dispute machine is of no comparison, the copies provided to Equifax with the original dispute were of standard size and made in color print for legibility, see attachments.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I was contacted by the Citi Best Buy credit card company if a charge on my credit card was mine. The amount was {$400.00} and I told them it was a fraudulent charge. The Citi Best Buy credit card company stated they would mark it as fraud and would remove it from my account. 

When my XX/XX/XXXX statement arrived the fraudulent charge was not removed from my account and I was also charged {$4.00} for interest on the fraudulent charge. 
For the following three months I have had to call and remind them of the fraudulent charge and to have the interest charges removed from my account. 

Even after the fraud charge was finally removed for my XX/XX/XXXX statement, they are still trying to collect interest from me. This is a criminal act from Citi Best Buy credit card company.
Consumer complaint received 2022-06-13
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act the following reported accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish a account without my written instructions.