davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. XXXX XXXX is in clear violation of my 30 day right to dispute.
Consumer complaint received 2019-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/2018 I went to my Citizen bank branch in XXXX Michigan, tried to get back my money I sent to XXXX XXXX of {$300.00} because she was no longer had XXXX XXXX. I made a claim and also they recommended to call XXXX XXXX. I called the phone number of XXXX XXXX found on web but the person I spoke too instead of helping to get my money back they took following transaction of {$500.00}, {$750.00}, {$500.00}, {$500.00}, {$2000.00}, {$500.00} and {$500.00} at the same time to the person named XXXX through my debit card which was on XXXX XXXX. Immediately I called my bank same day to let them know that was fraud do not release those transactions and person I spoke too assured that marked red flag but I still need to call next business day to make sure matter resolved. But still bank released those transactions on XX/XX/2018 and bank asked me to make another claim. After two weeks I got those transactions back to my account. on XXXXI received letter from bank stated that they going to debited back those transactions because XXXX XXXX said that was valid transactions which was never valid transactions. After few days bank debited all transaction with fees. I will send all documents. Thanks.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

i have had a spark business capital one credit card for over 20 years, i never have been late and always paid in full every month, i just received a letter today informing me that my card was being closed by them because after a review they determined that i do not align with their policy.
Consumer complaint received 2017-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (GA)

I TOOK OUT A LOAN WITH SPOT LOAN IN  XXXX  OF  XXXX  AND THEY WAS DEBIT MY BANK ACCOUT  XXXX  EVERY  TWO  WEEKS WHICH WAS EVERY PAY DAY AND HAD A INTREST RATE OF 625 % WHICH I DID N'T NO I NEVER SPOKE TO NO ONE THEY NEVER CALL I EMAIL BUT NO RESPOND I GOT A FRAUD ALERT FROM THE BANK AND WAS ASK TO CLOSE MY ACCOUNT BECAUSE OF DIFFERENT L OAN IDS FROM THIS COMPANY.
Consumer complaint received 2019-01-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I closed on my home XX/XX/2018 with a mortgage payment of {$1700.00}, 2 months later I received a notification that my payment would be increasing to {$2400.00} due to the lender making an error on estimating my taxes in which they only calculated half of my tax bill instead of the full year. With that being said, I am now required to make up for their error and am being strong armed/required to make a large payment, which I can not afford. I have XXXX children and my husband is a XXXX veteran therefore we purchased this home expecting a mortgage payment we could afford. I have tried to contact the loan officer and he refuses to call me back and when I call customer service they will not alllw me to escalate the matter to a higher level of management. I am fearful that I will lose my home due to their error and I should not be penalized for such a error.
Consumer complaint received 2017-06-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big Picture Loans, LLC (IL)

I agreed to a settlement on  XXXX   XXXX  and made the last payment (  XXXX  ) on  XXXX   (  posted  XXXX  ). This should have closed my account. The next day, they debited me again for  XXXX  and did not respond to my message about this. I disputed with my bank, but I want these people out of my account now that I have fulfilled the settlement.
Consumer complaint received 2018-10-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: PNC Bank N.A. (PA)

I applied for personnel loan to consolidate bills online. got text to call PNC bank at ( XXXX ) XXXX to get verification, wanted las5t four of social and hung up. Called back and when different person answered I asked if this was PNC and the lady hung up. I believe this is a scam to get peoples info. Check this out please
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (ID)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (UT)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (NY)

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After many unsuccessful attempts at advancing XXXX XXXX Equifax credit bureau pertaining to the fraudulent trade lines reporting on my credit report. They refused to comply with FCRA 605B advising me that I am not providing sufficient proof. I have enclosed my FTC report and enclosed the Police report pertaining to the identity theft, along with my identification.
Consumer complaint received 2022-03-11
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. (PA)

XXXX XXXX XXXX, serviced by XXXX, are perpetrating unfair credit reporting. They have added late charges to my account after I'd made my payment early, then when I paid my account off, placed interest charges 3 weeks after payment cleared for total stated balance on my account. Finally, they then placed a 30 day late charge on my account for the {$2.00} interest charged on an account paid off weeks earlier. 

XXXX, by XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : XXXX To whom it may concern, I am writing to dispute the {$2.00} charge on my account that is being reported as a 30 day late to all three credit bureaus XXXX, Experian and XXXX. This is incorrect and when you see that my account had been paid in advance for the XX/XX/XXXX payment due of {$15.00}, you will see that any late charges should have been removed, except for XX/XX/XXXX when I was 9 days later than due date, with my final payment. 

My account had been paid off for 5 months, then I charged my account {$45.00} on XX/XX/XXXX. I did not have a XXXX payment due on XX/XX/XXXX, but I made a payment anyways on XX/XX/XXXX, that should have gone towards XX/XX/XXXX, since made after the monthly due dates of the XXXX that XXXX has on all their bills. Anything past the due date of the previous month, is supposed to roll towards the next payment. I paid ahead of time for my XX/XX/XXXX payment in the amount of {$30.00}, so the next payment due should have been on XX/XX/XXXX. You placed a late charge on my account XX/XX/XXXX, even though Id paid in advance of that date for that payment. I have NOT been 30 days late on a payment in XX/XX/XXXX or XX/XX/XXXX, as the account was paid in full on XX/XX/XXXX, only 10 days past the due date of XX/XX/XXXX. 

I not only was charged an incorrect XX/XX/XXXX late charge, but this also then rolled all my balances to a higher amount, so when I made my full balance payment of {$68.00} on XX/XX/XXXX ( that wasnt due until XX/XX/XXXX ), you still placed a {$2.00} interest payment on the next statement that should have had a zero-balance owing. I had already paid the XXXX payment ahead of time and in full yet 2-3 weeks later you placed another {$2.00} charge on my account. The full balance payment of {$68.00} should have been {$15.00} less as the XX/XX/XXXX late charge was unfairly added. To pay my account in full on XX/XX/XXXX, I should have only had to pay a total of {$52.00}. 

I am demanding you remove the XX/XX/XXXX late payment reporting on my credit report and I am reporting your unfair credit reporting practices to CPFB, as I have all the documentation to prove my complaint above is accurate and that you have been complicit in ruining my credit so I can not buy a home. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (OR)

My first call to Discover was on XX/XX/22, a couple of days after I noticed that my checking and savings account was frozen. Since then, I have called a total of XXXX times, 6 of those calls being over 3 hours. I have spent a collective 20 hours on hold since XX/XX/22. After 3 hours and 2 minutes, the line get disconnected. I have tried to reach out to Discover through phone, their app, and multiple social media pages but have not been able to talk to someone who can unfreeze my accounts.
Consumer complaint received 2019-05-07
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. (NC)

Equifax is reporting incorrectly that I am 90 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2021-11-01
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: EQUIFAX, INC. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (WA)

I RECEIVED A SMALL LOAN OF {$700.00} WAS TOLD OVER THE PHONE MY TOTAL AMOUNT OWED AFTER APR WAS XXXX DOLLARS, I HAVE NOW PAID OVER 3000 DOLLARS!! AFTER DOING THE MATH MY APR IS OVER 637 PERCENT!!! THIS HAS TO BE ILLEGAL. NOT ONLY DID THEY LIE ABOUT HOW MUCH OWED AT THE END OF THE INSTALLMENTS THE 637 PERCENT APR IS UNETHICAL AND A SCAM
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and has a current police report on file with Chex Systems dated XX/XX/2022. The following Reported Information currently listed on my Chex Systems Consumer Report ID : XXXX is unauthorized, fraudulent and not my checking account : XXXX XXXX XXXX XXXX, Account # : XXXX, balance : {$11000.00} and XXXX XXXX XXXX XXXX, the following Inquiries Viewed By Others and Inquiries Viewed Only By You, is unauthorized, fraudulent and not my inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX Bank, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX, XX/XX/2022
Consumer complaint received 2023-03-19
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXXXXXX, " XXXX XXXX '', " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', " have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

In addition to the issue that I named in my last complaint, Fed Loan Servicing has failed to list my most recent approved employment ( a certification form which it received on XX/XX/XXXX. ) I have attached the inaccurate qualifying payment count letter I received on XX/XX/XXXX, the letter on XX/XX/XXXX indicating receipt of my certification form, as well as a copy of the certification form ( please note the copy I attached does not have my signature but the one I mailed and that was received by Fed Loan Servicing does ).

To update my qualifying payments to the correct and accurate number of over 90, including updating my approved employment time for the job in question/ certification form from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I had charges since XXXX of 2021 on one of my Chase checking accounts that were not made by me. Someone ( s ) fraudalent charged my account. I contacted the bank who did not defend me on a single one of them. Some they said were over 60 days and I would not get defended about. The others they said were from the same places as outside of the 60-day ones and they wouldn't protect me for either. This is almost {$12000.00} in charges and my bank is not defending me even though I'm telling them they're clearly fraudulent. I've had a 30-year relationship and they're not even defending me. So so upset here.
Consumer complaint received 2018-10-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (TX)

This company is now under the name of XXXX. I spoke with a representative a few weeks ago and she was kind enough to help me with my account and extremely pleasant. Unfortunately I had to call the company again because my account number for payments to be withdrawn was not changed. I called and all of a sudden they are unable to transfer me to specific extensions and they are unable to move payments something that was JUST done for me. Mind you I spend an hour of my time going through this ridiculous customer service merry-go-round that go me nowhere. Every time I requested a manager, I was told that they don't have managers, they have supervisors ... same thing! And I haven't had my issue resolved, which is going to result in me defaulting on my payments and affect my credit when it was this company 's error that this happened in the first place! They have changed their customer service and are outsourcing and I am not protected as a consumer. I am being asked more personal information every time I call and I feel deceived and leery of every doing business with them again.
Consumer complaint received 2018-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Portfolio Recovery Associates, LLC made an arrangement with me via phone conversation, to pay a settlement amount on an account they acquired. The agreement was for {$25.00} paid for 13 months. I called the company months before the end of the payment deadline, to find out exactly when the payments would finish. I just wanted to verify their records with mine. The woman I spoke with confirmed the last payment would be XX/XX/XXXX. XX/XX/XXXX came around and the company mentioned took yet another payment out of my bank. When I called to complain, a man said the agreement was for 15 months, not 13. I disagreed with him and referenced the previous call to check on the details and he said the woman was wrong. He said, " I'm looking at the printed agreement right now. '' He forced me to pay two extra payments or I would have to pay the whole amount. Trying to complain was useless. I have no paperwork of the verbal agreement made. Never did. All the payments were electronically withdrawn monthly from my XXXX XXXX XXXX XXXX XXXX XXXX, Kansas, account now closed. I do not remember the account number. The transactions took place from XX/XX/XXXX, until XX/XX/XXXX.
Consumer complaint received 2018-10-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (FL)

XXXX XXXX Senior Vice President Caliber Homes Loans transfer of loan, problems, credit insurance Ref case : XXXX and XXXX Responding to a complaint. response on XX/XX/2018
Consumer complaint received 2017-06-19
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. (NJ)

XXXX   XXXX   XXXX   is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from over  3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NY)

I was shocked when reviewing my credit report and saw a late payment on the date below : XX/XX/2018 I am not sure how this has happened. I believe I made my payments to you when I got my statements. My only thought is that it must have gotten lost in the mail.