davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SC)

I filed a complaint that was only partially rectified. I filed a subsequent complaint about the part not rectified. The company has ignored that subsequent complaint and the complaint has been closed. 

I need the following addressed : In XX/XX/2017, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. While I appreciate the account has been closed and marked " Paid in Full '', XXXX actually owes me {$1100.00} in overpaid interest.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

1. I opened an account in CitiBank, We deposited $ xxxxx into this account. 
2. My husband set up my direct deposit to deposit a little money to this account ( under my name ). 
3. Citibank blocked this account, I asked them to either unblock this account or add my name to this account, but Citibank did NOT do that after many many calls. 
4. I gave up on keeping this account open, so I only want to get the $ xxxxx back. One customer service told me If I close the account, Citibank will issue a check to us in 1-2 months. 
5. After 1.5 months, I called them, a nice account manager found they withdraw my money to another account, and the balance of that account is zero. So she opened a case to investigate it. 
6. one week later, I called them again, they verified the case #, said they need 2 months starting from closing the account to finish all the work, It's not 2 months yet. 
7. one week later, one customer service said he can not find the case # ( another call confirmed ) 5. Now it's much more 2 months after the account is closed, I did not get any check or letter to know the status. 

I tried to call Citibank to figure this out, but they keep asking to talk other person, and the call is forwarded many times, and get zero valuable info. 

It has been 9 months since the account is blocked, so I want to complain here to know whether anyone could help us.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 an account without my written instructions. 

I advised the dealership to refinance my loan because the payments were too high. After being informed i was not eligible to do so. I sundered the vehicle to the dealership along with the keys.
Consumer complaint received 2018-10-16
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. (CA)

I spent over two hours on the phone with Equifax trying to resolve an error on my credit report. I explained to Equifax customer care reps that I did not have a confirmation number and that apparently made them angry. When I explained that I had Equifax 's XXXX  service, they had no idea what that was and demanded to know if I had requested a credit report or not, and if not, then how did I have any information about my credit report. 

I first spoke to a rep named XXXX in the Equifax dispute department. She was rude and dismissive. When I asked to speak to her supervisor, she put me on hold for 25 minutes. XXXX who was supposedly her supervisor, who supposedly works out of Disputes in Nevada made me answer the same 20 questions I answered for XXXX and then after answering all 20 answers again ( with actual information from my online accounts, all correct up to the minute ), he said ONE of my 20 answers was wrong ( wouldn't say which one ) and so therefore they will NOT correct the errors on my credit report. 

How can I get the error on my credit report corrected when Equifax is refusing to do so?
Consumer complaint received 2022-05-04
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX accounts # XXXX, XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX XXXX account # 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
Consumer complaint received 2019-03-21
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. (TN)

In XX/XX/2018 I set my XXXX XXXX card up for automatic payments. At the end ofXX/XX/XXXXl the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XX/XX/XXXX would come out automatically for XX/XX/XXXX and XX/XX/XXXX. The end of XX/XX/XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XX/XX/XXXX andXX/XX/XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.
Consumer complaint received 2019-03-21
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. (TN)

In XX/XX/2018 I set my XXXX XXXX card up for automatic payments. At the end of XX/XX/XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XX/XX/XXXX would come out automatically for XX/XX/XXXXand XX/XX/XXXX. The end of XX/XX/XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XX/XX/XXXX and XX/XX/XXXX. I  was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XXXX of 2018 I set my XXXX XXXX card up for automatic payments. At the end of XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XXXX would come out automatically for XXXX and XXXX. The end of XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XXXX and XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (CA)

Received call from ( XXXX ) XXXX about a closed credit card account from XX/XX/2013 regarding the amount of XXXX to be paid in full. The gentleman XXXX XXXX would not state the company he worked for only saying that he is a litigator for the company Wells Fargo. I stated that I have not had an account with them for over 5 years and he stated that in order for them to not take me to court and sue me for over {$3000.00} I would have to pay the full amount or the amount with charges and interest which would be over XXXX. I asked for the information to be sent and he said I would only be able to receive a receipt of payment/payment plan. I gave my email but have received no such information as I refused payment.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CT)

I mailed a letter to this collection company disputing that I opened an account with XXXX XXXX. I have used Prepaid XXXX XXXX for over 15+ years. I requested validation of this debt as well as told them it was fraudulent as it was not me. I do not own ANY PHONES or SERVICES with a XXXX XXXX account and to not post any negative marks to my credit reports for a debt I do not owe, and that it is a violation of the fRCA & the FDCPA ( Fair Credit Reporting Act & Fair Debt Collection Practices Act ) but, however they did just that! They reported this erroneous unvalidated debt to all three credit reporting agencies and this debt does NOT BELONG TO ME. 

I am hereby filing a formal complaint with you! 

Thank you
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Requested XXXX credit report through the XXXX website. After waiting over 6 weeks did not receive report in mail. I called XXXX. They did not receive my request from Annual credit report.com. I am concerned that my letter with my SS #, DOB, etc. was compromised through the mail or stolen by an employee. The rep at XXXX told me that the address on the form was incorrect. Annual credit report has one phone number available which does not have an option to speak to a live representative. The phone system is not user friendly and dead ends your call. A company that deals with sensitive consumer private information should provide phone access to a live person. Not everything can be resolved through automation. 
They can't address my problem if I am unable to report it to them through their inadequate system.
Consumer complaint received 2018-04-19
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: Experian Information Solutions Inc. (CT)

DATE : XX/XX/XXXX RE : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

RE : XXXX account # XXXX Dear CFPB : I spoke with XXXX XXXX from XXXX XXXX XXXX regarding my paid off old auto loan that is now disputed with Experian. I sent XXXX and Experian two disputes on XX/XX/XXXX regarding five late payments, they where never late XXXX did not credit the payments on time. They simply said they were accurate and I needed to provide then " additional supporting information ''. 

I had spoken with XXXX XXXX from Experian today XX/XX/XXXX and found the XXXX account not reporting the entire payment history beginning XXXX. There is four years of payment data history missing and I asked XXXX and Experian ( XXXX XXXX ) to include that payment history because it is not showing on my account. 

As per the Fair Credit Reporting Act information must be one hundred percent accurate and verifiable. Simply reporting the late payments and excluding the positive payment history is misleading and I am asking Experian to include all the payment history in the record.
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IN)

In XX/XX/XXXX we paid XXXX for an Appraisal to get PMI removed. Caliber Homes asked us for more information in XXXX XXXX. They refused to take any information over the phone or by email. So we mailed it in not once but twice. They received the Appraisal back on XX/XX/XXXX or XX/XX/XXXX. When calling to check on the status I was told someone would call me back but they never did. On XX/XX/XXXX after a few calls, I learned they do have everything and our current ratio is 81.3 Percent. It needs to be 80 percent to have PMI removed. Today on XX/XX/XXXX I received a letter from Caliber Homes wanting me to send another XXXX and to start the process all over again. So I called back and again no one will talk to me and was told I am still missing information. That they sent a letter on XXXX requesting that information. But on XXXX I was told all information was there. My current ratio is 81.3 Percent so they should not need any further information especially since I was told everything was there on XXXX. They refuse to call me back and remove PMI. We have been going rounds since XXXX XXXX. Since then our house has gone up and I have a letter from the County assessor 's office that values my house higher than what I was told by Caliber Homes
Consumer complaint received 2018-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I have asked for VALIDATION not verification in regards to this account. You have only sent a bill with mine and my brother in laws names. ( Which he already took you to court and won due to you NOT having a signed contract ). I did not ask for a bill, I have asked for a signed contract which is my right under the fair credit act. If you can not provide a signed contract, you must remove this from my report. 
I also stated in my last complaint that the collection agency being used is not bonded in my state.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

O
n XX/XX/XXXX I enrolled in EquiFax XXXX program due to a concern about my private data being breached. I was asked to provide credit card information. On XX/XX/XXXX, I attem
pted to access my XXXX account- error message stating " we are unable to activate your account '' On XX/XX/XXXX, I called and self identified myself, yet I am still unable to activate my account. Supervisor XXXX in " Authentication Department '' was unbothered and lacked motivation for my Identity being compromised.
After self identifying myself via live conference with customer service, and online, I am still being told " we are unable to activate your account ''. I am concerned because my identity is potentially compromised.
Consumer complaint received 2018-04-10
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: EQUIFAX, INC. (IA)

They contained : 1 ) Statement from my educational institution abroad which showed I was living abroad when fraudulent accounts were opened. 2 ) A police report from XXXX XXXX, Iowa police that verifies I am the victim of fraud. 3 ) A police report from the jurisdiction where the fraud took place. 4 ) Statement from the property management company that owns two addresses that proves Ive never lived at those addresses. 5 ) An identity theft report from the IRS. 6 ) Documents to prove my identity. All of this ( a total of 43 ) pages was received by Equifax. Miraculously, they have claimed that this information is not enough to block these fraudulent accounts - an assertion that my local police department has called flabbergasting. Further, my attorney informs me that Equifax is now in direct violation of the FCRAs 605B provision. Apparently, Equifax is now summarily refusing to block the fraudulent information for millions of consumers - which they are not allowed to do legally, especially when 43 pages of official documents prove the fraud of these accounts.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

I received a credit from XXXX 's XXXX XXXX mobile phone service in XXXX for a phone that died. That credit went to American Express, because I had originally purchased the phone with an Amex card. 

However, I had canceled my XXXX-branded Amex card a year earlier when XXXX switched its card to XXXX XXXX. 

I was told by XXXX that the agreement between XXXX and Amex to transfer misdirected credits and payments within 15 business days had just expired, so my credit might take longer. 

It's now been nearly four months, and still no transfer of the {$210.00} credit to my XXXX XXXX account which Amex has had since XXXX. 

XXXX XXXX says the credit was accepted by Amex, so there's nothing it can do. A XXXX customer service representative says there is bad blood between the two companies about XXXX 's switch to XXXX, but it can't force Amex to transfer my credit or otherwise do anything to help obtain my funds. Amex has had me on hold or speaking to non-native English speaking customer service representatives for hours. 

One Amex rep told me, after a lengthy process, that he was not able to even get into my now-closed account. Another told me I would get a call from a higher-level resolution team within 30 minutes, and instead ... crickets for more than 16 hours at this point. 

Apparently, Amex has decided it can engage in outright theft of the funds of former customers because it's angry about XXXX 's decision to change its credit-card branding.
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: Experian Information Solutions Inc. (GA)

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 15USC1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A. STATES I have the rights to privacy 15 U.S.C SECTION 604 A.SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (CA)

Experian opened an account in my name which I never authorized. I had used the service prior to purchasing a vehicle back in XXXX of 2018. I had no intention of being charged monthly for a one time, as they advertised, " Free Check. ''
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP (NY)

I CAN NOT RESOLVE THE LAST FEW LATE PAYMENTS ON THE ACCOUNT. I HAD SOME MANY PROBLEMS WITH MY COMPUTER IN XX/XX/XXXX AND MY PAYMENTS WERE GETTING IN LATE AND THE SUGGESTION OF THE SUPERVISOR OF AMERICAN HONDA FINANCE I HAD MADE A PAYMENT ON THEIR WEB SITE AND I WAS APPLIED LATE AND MY CAR WAS TOWED FOR THE LAST PAYMENT NOT RECIEVED OR RECIEVED LATE. THIS COMPANY HAS TREATED ME VERY POORLY, AND BULLIED ME INTO BELIEVEING I DESERVED TO HAVE MY CAR TOWED AND TO PAY THE TOWING COMPANY A FEE FOR A PAYMENT MADE BUT NOT POSTED IN TO THE ACCOUNT. THIS ERROR WAS ENTIRELY HONDA FINANCES FAULT. 
ALL I WOULD LIKE IS TO HAVE THE LATE PAYMENTS REMOVED FROM MY HISTORY. 
I ALSO DONT KNOW WHY THEY WOULD UPDATE MY ACCOUNT IN XX/XX/XXXX AND XX/XX/XXXX, WHEN I HAVE HAD NO PAYMENT OBLIGATION TO HONDA FINANCE, AT THIS RATE I WILL NEVER GET RID OF THIS BAGERING COMPANY FROM MY CREDIT REPORTS. 
PLEASE HELP ME IN REMOVING ALL THIS HISTORY FROM THIS COMPANY ... THIS IS MY RIGHT AS A CONSUMER, I HAVE HAD NO FURTHER BUSINESS WITH THIS COMPANY AND THEY STILL HAVE ACCESS TO DESTROY MY CREDIT ...
Consumer complaint received 2018-04-19
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: Bread Financial Holdings, Inc. (PA)

When applying for a credit limit increase on your site you there is a check box that indicates " By selecting this checkbox, I am allowing the bank to access my credit report, if necessary. Please note that we can still review and consider your request for a credit limit increase without accessing your credit report. If you do not wish to grant permission for us to access your credit report, do not select the checkbox. '' I NEVER selected this option as I am in the process of clearing my credit of all unnecessary inquiries. Based on your site I never authorized your company to access my credit report and thus you have violated my rights as an individual ... As proof I have also requested an increase on my credit lines on XX/XX/XXXX and did not give approval for access to my report and I woke up with alerts stating my credit report was again pulled without permission.. Please remove the inquires on my report from XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ) and from the original complaint of XX/XX/XXXX and XX/XX/XXXX. Thank you!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.