davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EMG ACQUISITION GROUP, LLC (NV)

Back in XX/XX/XXXX I paid the account down to XXXX dollars. I wanted to pay the account in full my next payday but the site would not allow me. I would get an error message saying account doesn't exist. Today XX/XX/XXXX i received a text from the company saying I have a payment that is due and remaining balance is XXXX. Due to the site error now i have XXXX dollars in interest.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

On XX/XX/XXXX I submitted my first complaint to First Citizens.  While their XX/XX/XXXX response was to credit my account by {$2300.00}, they failed to address numerous other reporting errors. First Citizens letter of XX/XX/XXXX states We believe the remaining information being reported to the credit bureaus is accurate, with the exception of the balance outstanding. I found this statement incredulous. Did anyone at First Citizens even bother to look at what was being reported? 
I filed a second compliant on XX/XX/XXXX. While First Citizens has not responded to my second complaint yet, I just received a letter from XXXX stating that First Citizens has deleted their reports from XXXX. As a result of this removal, my Credit Score jumped from XXXX to XXXX. I just checked my credit report with XXXX XXXX who reports that First Citizens has likewise removed their account from their reporting bureau. My Credit Score with XXXX XXXX is now XXXX. I can only assume that First Citizens decided to remove their accounts from these two Credit Reporting Agencies rather than make all the corrections to accurately report my loan with them. I am fine with this approach since it has had the desired effect to fairly reflect my Credit Score.

However, First Citizens did not remove their reports from XXXX. They attempted to make some changes but what they are now reporting is still erroneous and egregious. Some examples ( 1 ) First Citizens reports the loan is closed but, in reality, it is still open. ( 2 ) First Citizens reports payments were not made from XX/XX/XXXX thru XX/XX/XXXX, but their monthly statements show $ XXXX/monthly payments were made in all of those months. ( 3 ) First Citizens reports the loan was charged off but, in truth, it was renegotiated. ( 4 ) First Citizens is reporting two loans, but there is only one. This was acknowledged in their XX/XX/XXXX response to my first complaint. ( 5 ) First Citizens reports 100 % of the loan has been paid off, while in their second report they show 0 %. In truth, approximately 25 % of the original loan has been paid off. ( 6 )  they report that the last payment made was on XX/XX/XXXX instead of XX/XX/XXXX. 
My Credit Score with XXXX is XXXX. I am confident that it would be over 800 if First Citizens would accurately report the facts or conversely cease reporting to XXXX, as they did with the other two Credit Bureaus. 
I am reattaching all of the documentation which clearly supports all my positions in this matter.
Consumer complaint received 2022-03-09
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. (FL)

Unauthorized hard inquires on my credit report and bureau refuses to remove them after they placed them on my credit report with my authorization XXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX  XXXX  inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-04-18
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. (NY)

I have never been late in any of my payments for the past 11 years. I made a payment but for some reason it did not reflect suddenly I get a 120 days late on my credit report. I paid off the entire loans. We are in COVID and working with a lender to save a XXXX XXXX XXXX and this incorrect information is ruining the chances of saving XXXX XXXX. I went ahead and paid them off so that I don't have to deal with this. It is COVID there is a pandemic and these predators are doing anything necessary to prevent you from moving ahead. I am 100 % sure that I made a payment in the beginning of XXXX yet it is not reflecting. Just please be a decent human being and don't destroy my life.
Consumer complaint received 2020-02-09
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. (MN)

The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX XXXX, {$5000.00}, XXXX XXXX, {$3400.00} and XXXX XXXX XXXX, {$500.00}. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX  XXXX XXXX XXXX, XX/XX/2019. I never missed an on-time payment with XXXX XXXX XXXX. The missed payment with XXXX XXXX XXXX  is inaccurate.
Consumer complaint received 2019-04-25
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. (FL)

Multiple names and addresses are reporting on my credit report. 

XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (WV)

I have had a XXXX Credit Card issued by Barclays Bank for years. I travel frequently as my work requires. I get paid at the completion of a project which can be many months so my credit utilization goes up and down. I have never missed a payment. Barclays recently reduced my credit line by {$4100.00} without any notice what so ever citing my credit utilization as the reason. This left me with about {$200.00} in credit available and a disastrously tumbling credit score due to now even higher credit utilization. I see from other consumer complaints that this is not an unusual practice for Barclays. Due to the impact on consumers credit scores this practice of bait and switch ( here 's a great credit limit for you but we will take it away if you actually use it ) should be somehow regulated.
Consumer complaint received 2019-06-29
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RoundPoint Mortgage Servicing LLC (IN)

I retained an attorney as a result of overcharges and overbilling to my escrow account for taxes and insurance. My attorney XXXX XXXX XXXX XXXX has contacted the Mortgage Servicing Company, Roundpoint, on numerous occasions and requested they contact. I have also made the same request numerous times. Despite this I received a call onhttps : //www.consumerfinance.govXXXX XX/XX/2019 which I answered, informed the caller who stated he was from Rounpoint that I had an attorney, gave his name and told him to speak to him and hung up. I received another call the next day and the same thing happened. I called my attorney to inform and he wrote complaining of this.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE BEEN A VICTIM OF IDENTITY THEFT I'M A XXXX  YOUNG MAN THAT HAS BEEN A VICTIM BY A UNKNOWN PERSON THAT IS ACTING AS THEY ARE ME THEY ARE OPINING FRAUDULENT ACCOUNTS UNDER MY NAME
Consumer complaint received 2019-06-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Fair Financial Corp. (CA)

Hey folks. 
I've leased a car using Fair app in XX/XX/2019. 
Following their return policy, Ive return the car the next day in XXXX. 
Fair had a system glitch and now one of their departments trying to collect money from me for the car. And the other department said that they hd system outage and my return is acknowledged but their billing and collections department will not be aware of the return until they fix their system problem. 
So now in the end XXXX I am still getting money collection notices from Fair for an already returned car. 
This is what I got from Fair support, which is really frustrating and weird : " My name is XXXX, I am with the returns team. I am reaching out to inform you of the reason you are still receiving the notifications for payments on the vehicle you have returned. I want to be totally transparent with you, we have been having technical issues with getting the return information to our payments department in order to update their end. We are aware the vehicle is returned and are avidly working to get this issue resolved. Any balance you getting that is outside of the return date will be recalculated. You will continue to get these notifications until the issue is resolved. We understand that this is not an ideal situation and really appreciate your cooperation with us through this process. 

Please let us know if you have any additional questions or concerns. "
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (AR)

BBVA purchase and closed the online-only bank Simple. It was supposed to switch over on Saturday XXXX. Since that date, the Simple app and website no longer function, but I am unable to log into or access BBVA via their app or website. The customer support number only says " we are experiencing difficulties '' and disconnects
Consumer complaint received 2019-11-18
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. (GA)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc. (AZ)

In XX/XX/XXXX, I picked up a XXXX XXXX from XXXX XXXX in XXXX, Arizona. Before doing so, I called the company to find out how much it would cost. I was told of an upfront charge of {$90.00}, plus an estimated monthly rental of {$34.00} for 13 months. When the 13 months were up I would own the machine. 

A month later I received two EOBs from XXXX/XXXX for the machine. There was a surprise charge of {$330.00} that I was not told about. I called XXXX to find out why. They said they didn't know and to call XXXX XXXX. I called XXXX XXXX XXXX and was told they didn't understand the charge either. However, they assured me that since I was renting the machine, the charges would be spread out over 13 months. 

It was in XX/XX/XXXX that I learned the actual monthly charge was going to be $ XXXX/month, no where near the original {$34.00} estimate. Plus I still didn't know why I was being charged an additional {$330.00} upfront. I returned the machine in XX/XX/XXXX after renting it for about two months. 

Believing I was being overcharged, I called XXXX in XX/XX/XXXX for a review. I made follow up calls in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It wasn't  until the phone call in XX/XX/XXXX that I learned XXXX had taken no action to review the charges. Meanwhile, I had called XXXX XXXX twice that I was not paying the {$330.00} bill, plus two new bills of {$170.00} until the review was completed. They indicated there was no problem with that. Finally, in early XX/XX/XXXX, I received a letter from XXXX that the review was underway and it would take up to 60 days to complete. I believe a copy of that letter was sent to XXXX XXXX XXXX. 

This week I found that instead of waiting for the review to be completed, XXXX XXXX XXXX sent the bill to a collection agency. I received no warning about this and at no time did XXXX XXXX inform me there was a problem letting the review process run its course. Instead of paying the collection agency, I paid the bills using the XXXX XXXX XXXX online billing system. 

I'm angry that XXXX XXXX never told me it was going to sent the bill to a collection agency and that they did it to bypass the review process and force to me pay the full bill even though I may not owe all of it. I have since learned that using this tactic to collect on a disputed bill may be a violation of federal law. 

I'm asking the Bureau to fully investigate whether any laws or regulations were violated in this matter. 

Finally, I am not complaining about Tri-State Adjustments, the collection agency. I had one phone call with them so far and the representative was polite and respectful. Hopefully, I will have no reason to file a complaint about them.
Consumer complaint received 2022-12-14
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. (NY)

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

Dept of EdXXXX, Dept of EdXXXX, Dept of EdXXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

- There are several inaccuracies being listed on my credit report
Consumer complaint received 2019-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (LA)

Reported theft of funds by debt card. Bank refused to refund fraudulent charges. under Electronic Fund Transfer Act the bank must do so. The stole about {$3000.00} the bank under the law must refund anything over {$500.00}
Consumer complaint received 2021-04-18
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. (NY)

I have never been late in any of my payments for the past 11 years. I made a payment but for some reason it did not reflect suddenly I get a 120 days late on my credit report. I paid off the entire loans. We are in COVID and working with a lender to save a minority owned business and this incorrect information is ruining the chances of saving my company. I went ahead and paid them off so that I don't have to deal with this. It is COVID there is a pandemic and these predators are doing anything necessary to prevent you from moving ahead. I am 100 % sure that I made a payment in the beginning of XXXX yet it is not reflecting. Just please be a decent human being and don't destroy my life.
Consumer complaint received 2023-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (CA)

On XX/XX/XXXX, I received a letter from Capital Accounts LLC, in reference to a debt collection from an account I have with my XXXX, XXXX XXXX, in XXXX, CA. This came as a surprise to me as I have never received a bill from my XXXX, nor have I been advised of any outstanding debt in any of my recent visits to the XXXX. In contacting the debt collector, I requested related wet signature documents acknowledging the costs of previous work performed related to the debt in question. Instead, I received an itemized list of charges for work allegedly performed from XXXX of XXXX to XXXX of XXXX. Nothing was provided to me demonstrating that I authorized these charges or was billed for this work that was allegedly performed during the time frame in question. 

Subsequently thereafter, I contacted my XXXX  office, which has changed ownership ( but still under the same name ) during the time I allegedly incurred these costs that are in question, in attempt to find out why they sent my account to collections without so much notifying me that I had an outstanding balance or receiving a bill. They advised and provided a printout that I do not owe an outstanding balance and that they believe that the debt was sent to collections by the previous owner of the XXXX  business, XXXX XXXX. I was also advised by the XXXX  office that other patients were in the same predicament I currently find myself in. In response, the current owners have attempted to locate the previous owner, with negative results. 

It is incredibly infuriating to be advised of an alleged unknown debt in this manor that was allegedly incurred from XXXX thru XXXX without even being notified in-person during a XXXX  visit or receiving any bill. It is of my opinion that the business practices of this XXXX  office is extremely suspect to turn over a very old alleged debt to a collection agency without so much attempting to notify, discuss or interact with me about the alleged incurred charges. 

As such, I am seeking the bureau 's assistance in getting this matter resolved as I have yet to receive proof of me agreeing to pay what was allegedly incurred during the time in question other than what looks like a homemade XXXX XXXX document from the collector. 

Again, I have proof from the XXXX  office and its new ownership, that my account is in good standing with them and up to date to verify my case. This appears to be an issue with the previous owner who is no where to be found to resolve this matter. 

Any assistance/guidance you can provide in letting me know how I can proceed to contest this collection legally, would be greatly appreciated. 

Thank you in advance for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

I contacted the holder of my XXXX XXXX XXXX XXXX, PA - XXXX to apply for forebearance for hardship related to the pandemci under the Cares Act. Customer service represenative XXXX was very persistent about asking speific questions related to financial need for forebearance and asked questions regarding employment and finances my financial outlook. XXXX also suggested numerous times that they would allow until the end of XXXX to make my XXXX payment. He also initially advised that missed payments would be due all at once, as a balloon payment, at the end of the forebearance period - I did dispute this and pointed out that it is a federally backed loan and a balloon payment can not be required as a repayment plan. He backtracked and said the only other repayment option would be the missed payments would have to be doubled up for subsequent payments after the forebearance ended - i.e. each month after forebearance I would have to make 2 payments a month until I was caught up. I don't think he can determien what the repayment options will be and also with federally backed loans I don't think they can require such stringent repayment options. He said there would be no other repayment options available. XXXX then continued to probe and question my financial situation - I had to insist that my request for forebearance be initiated and processed. XXXX advised that I would be receiving forebearance paperwork by snail mail - I expressed concern that I would miss the XXXX XXXX deadline and questioned about possibility of processing request online- he said there is no deadline. Finally, he told me the forebearance period would be determined by his managers - they would determine whether it would be 3 or 6 months and I would find out once I received the hard copy paperwork in the mail. I am upset by the persistent probing of my financial situation, the scare tactics of the stringent repayment options which don't align with the Act for federally backed loans, the lack of information regarding this forebearance on the website, inability to apply online and only via snail mail, the practice of them determining the period of the forebearance, and my concern that I am being told there is no deadline.
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I got a letter from Huntington saying I have a balance due of XXXX. But I shouldnt I closed my account more than 3 years ago and it was due to fraud someone had comprised my account. Account ending in XXXX my account was compromised and closed and its been multiple years since. I tried reaching out to them via email but I havent gotten anything back.