davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC (CA)

On XXXX, I applied for a personal loan of {$25000.00} from BestEgg Company. 
I filled out all the documents and specified I was " Self-Employed. '' I received the notification that I was " Approved. '' ( " Congrats! You're approved ). 

NOTE : THIS WILL BE MY SECOND LOAN FROM BEST EGG The next screen shows my " TRUTH IN LENDING DISCLOSURE STATEMENT. '' Then the next screen said " Almost done ... Before we can deposit your funds, we need to verify your information. '' BUT I WAS APPROVED. 

The display continued by stating : " You could get verified instantly by connecting your payroll provider ( like XXXX, XXXX, XXXX ) ''?? 

First of all, I do not have a payroll provider. I stated that I was self-employed when I started the application process. THEY APPROVED ME. 
Is BestEgg trying to get me to pay for a Payroll Service that I don't need? 
I have included documents. 

Best Egg, XXXX XXXX XXXX, XXXX, PA XXXX.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureauthe date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDITREPORT : XXXX XXXX
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-03-08
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. (MD)

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 2018-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (LA)

On XX/XX/2018 I called XXXX XXXX ( issuer of XXXX XXXX XXXX account ) to inquire why my interest free promotional balance was {$420.00} and the total balance due was {$700.00}. I was told that the additional was late fees and interest charged on the late fees. I was told by the agent on XX/XX/XXXX that they were including the late fee in my payment due but have not been applying them to the late fee balance. Instead they have been applying them as additional principal payments. He also said that even though the additional amount added to my monthly payment was collected for late fees that I would have to call and tell them to apply it to the late fee otherwise they would go unpaid. This has resulted in me owing an additional {$270.00} dollars and counting in late fees and interest because the interest is continuing to be added to the late fee balance. Over the years I have called Synchrony many times and no one has mentioned this even when I have called specifically about my late payments. This is also not mentioned in the billing statements or on my online account. I feel that it is deceiving to collect for late charges but apply them for something other than collected for.
Consumer complaint received 2022-03-08
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. (TX)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, XXXX, and Experian. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2019-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/2019 a letter was sent to me from XXXX XXXX, XXXX regarding a debt that is owed to XXXX Funding/ XXXX  XXXX XXXX, XXXX. I proceeded to contact XXXX Funding through the mail for the second time that this debt was not mine. They did not respond with the information I requested. On XX/XX/XXXX I then received a pre-approved letter from XXXX XXXX indicating I was pre-approved for a {$2000.00} credit line for their XXXX XXXX  credit card. My concern is that if the debt they claimed I owed was mine I would not be eligible to be approved for a credit line through the same company claiming I owe them. I want the account mentioned in the letter sent on XX/XX/2019 removed from my credit report immediately.
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (SC)

I was Contacted By XXXX XXXX XX/XX/2018 Then Again XX/XX/2018. Which I have no contract with nor have received service from, reported a collection account against my SSN. I did ask for validation for this debt and account and my signature that I signed anything and was told that they didnt have anything to validate. However, the business does not have a contract with me. They have not provide adequate proof I am not obligated to pay for alleged debt. I Have Tried disputing multiple times.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

when Macys changed their billing info to a different bank, they changed m account numbers, moved purchases bought on Macys Am Ex with a 16 % APR to Macys Store with a 25 % APR without telling me. They also shut me out of my account on line and as such after 8 months of phone calls could not get them to send paper statements. I paid each month by phone w/ no idea of what was in the billing. I was unable to return items in this period as they had changed the account numbers the billing and original receipts did not match, Many calls to customer svc then many emails to CEO XXXX XXXX, a XXXX called and got me on the web site and arranged for me to return the items had been unreturnable for more than 10 months. But XXXX went on vacation and after returning items ( with much hassle ) we demanded interest adjustments. XXXX denied claiming the interest charged paid on items never worn with tags pristine was rent for the item - ie one return had cost {$55.00} in XXXX and by the return time interest had accrued on it for an addition of {$250.00}. That 's just one of the items returned. We debated with XXXX who then accused my mother and self of having " taken '' stolen the items we were returning. We have the original receipts - and they Macys Am ex number charged on does not match the new account number Macys gave us to increase the interest 9 %! Even sending proof in email they refuse to deal with the real issues - Changing account numbers! Moving the XXXX to store account to increase interest from 16.9 to 25.8 % which elicited Macys XXXX of dollars in interest, Calling us thieves and slandering us, failure to credit interest adjustments, and when we placed the account inn dispute continue to charge interest.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

XXXX XXXX, Citibank and XXXX are aggressively pushing Citi AAdvantage cards with XXXX, XXXX or XXXX bonus miles if you sign up and meet a certain spending limit within a rapid time period. They actually hand out the applications forms on flights, there are ads all over airports and there are constant pop-ups on their website. What they DO N'T tell you is that if you 've opened another card in the past 18 months, you are ineligible for the bonus miles. Recently, I opened a card over the phone and the agent ASSURED ME I would get XXXX miles if I spent {$3000.00} in a month. I did it but the miles never appeared. I called multiple times and was told they were looking into it. I finally got a supervisor called XXXX in Kentucky who told me I would not be receiving the miles. This is the height of deceptive advertising. The credit card company has no record of the people in their accounts opening department telling me I would receive the miles ( they say they do not record conversations! ). The company is also enticing people to spend money rapidly on a credit card ( for the miles ) and furthermore they will not simply close the card down and transfer the credit limit to another existing card in a seamless way. Closing the card and losing the credit line adversely impacts your FICO score. Consumer BEWARE.
Consumer complaint received 2020-12-23
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. (TN)

Equifax has ruined my reputation by illegally sharing my information and alleged accounts to affiliates and third parties. Im a federally protected consumer with rights and a righ to privacy that Equifax has breached pursuant to 15 USC 1681 ( a ) ( 4 ). Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is considered an exclusion on a credit report. They have violated me numerous times. Theyve also violated my right to privacy pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). Theyve reported factual information regarding my addresses, name, etc. Ive tried numerous of times to resolves these problems with no avail.
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MA)

I have a Macy 's store card. I used the Macy 's site, well the CitiBank site who provides the card, to pay the full balance on the card. After paying the balance in full, Citi charged an additional fee. That fee rolled over into the next month generating an additional fee for having an unpaid balance. 

Essentially I used Citi 's tools to pay the full balance on the card and I was later charged another fee. I was not told of the fee and that fee rolled into the next month generating another fee.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WI)

Citi sent me notification that my account was closed due to returned payments. The payments in question were from an auto pay that was cancelled. I made a {$900.00} and {$500.00} payment and my account was current. I received no notification that payments were " returned ''.
Consumer complaint received 2020-02-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CHECK INTO CASH INC. (CA)

In XXXX, I received a title loan from check into cash. I was behind on my payment. They repossessed my vehicle and I hadn't heard from the company sense then. I tried reaching out to see how I could get my car back without a response. Then in XXXX Till now my state tax refund is being taken for the registration for the vehicle. So I reached out to the company again to see what was going on and they said they had returned the car to me in XXXX, which was false. Then they said they would look into to where the car was and never responded after that, so I called again and they said it was auctioned off. I then asked for a copy of the account history, which they agreed too. It has been a week sense then and I still haven't received anything regarding the issues. I would like them to give me a copy of the file to see if they're actions were in accordance to the law.
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am trying to get Equifax to correct my date of birth. They have it as XX/XX/XXXX, and it is XX/XX/XXXX. I have talked to 3 agents, 2 supervisors, and 1 manager. They all say to FAX my documents, but all the FAX machines never answer, or say Busy.

I'm in the middle of a sizable remortgage and running out of time to complete the transaction. Due to their error the lender will not complete the loan. This is going to cost me a great deal of money.
Consumer complaint received 2018-08-03
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. (IL)

Dear Sir/Madam, A month ago XXXX XXXX report a 30 days late payment to Transunion. I have contact the agency and I submitted a request to investigate and today XX/XX/2018 I received a letter stated that credit card bank reporting is correct. 
I have open the account with XXXX in XX/XX/XXXX and I have not get any statement from the bank and all the sudden the bank start reporting late payment. I have contact the bank numerus times and complained that I have never get a payment statement and they told me that was a problem and they did fix it and I should have no problem any more and for the next 3 months I have to make the payment without receiving any statements anyway the late payment still on my credit and this is not a fair treatment from a bank who have an outdate billing system. 
Thanks for your attention of getting the problem solved and removing the late payment from my credit report. 
XXXX XXXX XXXX
Consumer complaint received 2021-12-27
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)

I have submitted three letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to XXXX requesting removal of two accounts XXXX XXXX XXXXXXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) the listed accounts aren't mine and they're refusing to show me proof, like a wet signature or signed contract agreement that the accounts are legally my accounts. I have also call the reporting agency several times to get this matter resolved. These referenced accounts have been removed off my XXXX report due to illegal reporting of false accounts. 

I have submitted three letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to Equifax requesting removal of one account XXXX XXXX XXXXXXXX ( XXXX ) the listed account isn't mine and they're refusing to show me proof, like a wet signature or signed contract agreement that the account is legally my account. I have also call the reporting agency several times to get this matter resolved. These referenced account has been removed off my XXXX report due to illegal reporting of false account.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (AZ)

This company ( XXXX XXXX ) is not able or unwilling to provide me with monthly statements that show amount paid, interest charged, amount applied to principle, and new balance for monthly on-line payments on my Lowes advantage credit card.I talked to a customer service rep ( XXXX XXXX ) and she said that I should be receiving monthly statements in the mail or by E-mail if I had selected that option on line.Several weeks ago I selected the option of receiving them electronically on line but that has not been successful either so I have no idea how they are applying my monthly on-line payments.I expect that when I make payments on -line I should be able to read a summary of all monthly statements to date on line.Their site has a selection labeled summary of activities and statements but all that shows is the amount of past payments and dates rec'd.Therefore I have no information about how each on-line payment I make is applied to the previous month 's balance.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a fraud claim with Bank of America because all my money from my unemployment was stolen. My EDD card was also stolen. I only used my Boa EDD account for digital services, XXXX, XXXX, etc. And I'd have the physical card put up, ( somewhere I thought was safe ) until I went to get it & it was gone! The date on the reply said they made a decision XX/XX/2022 but I didn't receive it until around XX/XX/2022 & without any explanation as to why they denied my claim or locked my account. All of the charges are from another state. I also ordered a replacement card and they didn't send it.. I filed a fraud claim reconsideration today XX/XX/2022 & a friend told me you guys could probably help.I would love if you guys could help me get my money back, I have 3 kids. The claim number is XXXX Thanks.
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Bureau Collection Services, Inc. (AR)

CREDIT BUREAU COLLECTION SERVICE , INC KEPT CALLING MY CELL NO.XXXX, SKIP TRACING FOR FAMILY MEMBERS 13 TIMES ON MY CELL OVER THE PAST 7 MONTHS. ( SEE SCREENSHOT PHOTOS ). ALSO, TOLD THEM IN XX/XX/2018 THAT MY NUMBER WAS IN THE INDIANAS DON'T CALL REGISTRY, BUT KEPT CALLING. THEY HAVE VIOLATED THE FDCPA AND TCPA.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, I am writing to file a formal complaint regarding the payment history associated with my commercial relationship with XXXX XXXX XXXX . The accounts in question are : XXXX, XXXX, and XXXX. I previously disputed this information in XX/XX/XXXX, however, the issue remains unresolved. 

My complaint pertains to the late payments reported on these accounts. In response to my dispute, XXXX provided ledgers and payment histories for each account. However, I wish to clarify that my initial request was not for validation, but for the prompt removal of late payments as mandated by 15 U.S. Code 1666b.

Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements, including payment due dates, are provided to the consumer no later than XXXX  days before the due date. Given that these accounts are open-ended credit plans, any late payments reported should adhere to this requirement. 

Moreover, I believe that XXXX XXXX actions violate my right to privacy as outlined in the Privacy Act of 1974, 5 U.S.C. 552a. Specifically, disclosure of my financial records to consumer reporting agencies without my prior written consent is prohibited, except under certain circumstances which do not apply in this case. Additionally, XXXX failed to inform me of my right to exercise nondisclosure options as required by 15 U.S.C. 6802 ( b ) ( c ).

Furthermore, I assert that XXXXXXXX XXXX reporting of adverse information, such as late payments, without my authorization violates 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits the inclusion of certain adverse information in consumer reports without consent, particularly information that exceeds XXXX years. 

In light of these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX. I also request that the late payments be promptly removed from my credit reports and that XXXX be held accountable for their failure to comply with federal regulations regarding privacy and credit reporting. 

Thank you for your attention to this matter.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

Several years ago a vehicle was incorrectly listed on my credit report. All 3 reporting agencies : Experian, XXXX  & XXXX, refused to report it accurately as the lender stated that it was correct. This has made it impossible for me to rent or get a mortgage for over 5 years. Recently, the lender reached out and sent a letter of apology and a cashiers check to make up for their error. I sent this letter to the credit reporting agencies, and they still refuse to remove it from my reports. This is not only scandalous, it should be illegal. I want XXXX XXXX account removed, in its entirety, from all of my reports. 

Thank you, XXXX XXXX XXXX XXXX