davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

My line of credit ( LOC ) payment with Citizens is due by the XXXX of the month. It is set-up with a pre-authorized debit payment to come out of my checking account. ( same bank ) The amount due is approximately {$96.00}. Since I began making {$300.00} payments on the XXXX of each month, my pre-authorized payment due on the XXXX has not been debited from my checking account. On XXXX XXXX, my {$300.00} payment was made, however, on XX/XX/XXXX, the bank debited my checking account for the XXXX statement balance of {$96.00}. This is the first time this has happened. 

I called the bank and they informed me that their institution had recently made a change in their loan payment processing systems, It was explained to me that with the changes, anyone making a payment, prior to the due date, that is equal to or greater than the statement balance due, will not prevent the pre-authorized debit payment from being made by their system. 

The rep I spoke with issued a " ticket request '' to the clerical dept for the purpose of over-riding this new process. He said that my {$300.00} payment on the XXXX will be recognized and my pre-authorized debit payment will no longer happen as long as my payments on the XXXX of each month continue. 

While I am satisfied that Citizens will alter this new system process for me, my concern is one of a larger scale for other loan customers of this institution. How can a financial institution require customers to pay more each month than they are required to. If someone pays a debt/loan payment earlier than the due date, haven't they met their obligation for that required payment? I pay many of my other monthly bills before the due date without any issues or additional monies requested or expected. 

Many customers probably live very tightly, paycheck to paycheck. Had this issue happened to one of those customers, there could have been additional financial repercussions for them : i.e. late payment fee and if there wasn't enough money in their checking account, possibly an insufficient funds fee and perhaps other fees.
Consumer complaint received 2019-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NY)

I filed a complaint against One Main Financial regarding their lending terms and practices. I was concerned that the terms of my loan agreement were usury and unfair. Shortly after submitting this complaint with your office, I was contacted by the customer service office of One Main telephone number ( XXXX ) XXXX XXXX, where I was questioned about the nature of my complaint. 
Shortly thereafter, I noticed that an unauthorized debit was initiated in my checking account by One Main Financial. I am concerned that this debit, which was processed without my consent or authority, was processed in retaliation to the complaint I filed against this company with your agency.
Consumer complaint received 2019-09-06
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. (NY)

I was recently on my XXXX XXXX and noticed 2 things I feel are Inaccurate. XXXX XXXX is giving me 2 hard Inquiries on XX/XX/19 and XX/XX/19. I don't know if my social security # was ran a few times due to fraud. I am pretty confident I did not authorize backround checks twice in the same month. I called XXXX cards and asked them to remove these hard pulls or under the fair credit act to show me the proof of me signing something allowing them to run my credit under a hard pull twice In the same month. I feel this is inaccurate and am looking for both to be removed from my file.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (OK)

On or about XX/XX/year> XXXX XXXX XXXX, who I NEVER did any business with, demanded money over a FAKE loan from World Finance. In point of fact I filed and FBI report showing WFC as a FAKE account. XXXX XXXX XXXX  says that is NOT good enough. They are XXXX, loan sharks, whatever term you want. They are ruthless in trying to collect a debt that is NOT mine.
Consumer complaint received 2019-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have got variety call from 3 different numbers stating the same thing and same last four of a card XXXX ( XXXX XXXX ) they are going to take me to court XXXX saying they are your collation agency/ sold this account to them to bill me for a capital one card ending in XXXX for {$2000.00}. 

XXXX ( XXXX XXXX XXXX they are the department that is going to take me to court. they state I had a secured card with capital one. 
all three have been super rude they do not want to give me there information and hang up on me then block my calls XXXX XXXX
Consumer complaint received 2019-09-06
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. (NC)

I have filed several complaints with the three credit bureaus. Upon filing those complaints I noticed that they have failed to take action and remove the fraudulent accounts that are on my report. I am a victim of identity theft and I need the accounts fraudulent accounts removed immediately.
Consumer complaint received 2018-11-26
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. (GA)

I am writing to request a correction of the following information that appears on my credit report.

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft.

I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized.

Please carefully review and remove or correct this information at the earliest possible time.

Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2022-04-06
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. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2019-09-06
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. (NC)

I have filed several complaints with the three credit bureaus. Upon filing those complaints I noticed that they have failed to take action and remove the fraudulent accounts that are on my report. I am a victim of identity theft and I need the accounts fraudulent accounts removed immediately.
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (DE)

I opened an account with Citi bank online and funded {$8000.00} on it. 
However I was not able to access my account in any way and I dont know how to access my funds or use this account. 
They sent me emails and letters since I opened the account but with no account number information. I tried using the website and the app ( as I have their credit card ) and my checking account did not appear. 
I tried calling and spent 30 minute on the phone getting transferred and they couldnt help me and hung up on me. 
Then I tried messaging them on the app and they were unhelpful for 10 minutes till I gave up. 

I need help releasing my funds and closing this account, and get compensated for the hours wasted and time value of my funds.
Consumer complaint received 2019-09-06
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. (CO)

Equifax and XXXX are incorrectly reporting a collection of {$5000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit reports. ) In XXXX, XXXX my fathers basement flooded. I have attached copies of the revised claim dated XXXX. I had power of attorney and when the basement of his home flooded I signed the documents on his behalf. ( Please see attached. ) This account belongs to my now deceased father, who has since passed away. XXXX XXXX XXXX XXXX XXXX Colorado sent Invoice Number XXXX, dated XXXX in the amount of {$5900.00}. ( Please see attached. ) XXXX distributed several checks via electronic funds in the amount of {$600.00} on XXXX ; {$2500.00} on XXXX ; {$2800.00} on XXXX, and {$99000.00} on XXXX. ( Please see attached. ) The total dollar amount of checks that were distributed from XXXX was {$7000.00}. These insurance reimbursement checks covered more than the balance due and therefore there is no outstanding balance to collect. In addition, as I stated above, this account does not belong to me. This incorrect reporting of a collection on my credit report is harming my credit score. These line items need to be removed from my credit report.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CT)

The Problem : I have been locked out of my accounts and am unable to withdraw money, use my debit card or even check my balance. According to Ally Bank, they are too busy to assist in resolving this in under 48 hours. 

How it Happened : Yesterday ( XX/XX/XXXX ) I tried to make a purchase online with my debit card and it was declined. I called customer service for Ally Bank, with which I have been a customer for 7+ years and have two accounts. The customer service rep I spoke with was, in my opinion, clearly under trained and was unable to answer many of my questions. I disconnected and called back in the hopes of speaking with someone who would be better able to assist me and I reached a woman named XXXX who informed me that the notes said they were having trouble " authenticating my account '' XXXX was able to complete the authentication, explained to me the reason the aforementioned transaction did not go through ( address mismatch ) and then provided information on how to close the account in the future since they have no brick or motor locations. I hung up and tried the transaction again. It was denied. I tried to sign into the mobile app and was directed to call Customer Service again which I did. I spoke with three more people, all of whom gave me different pieces of information and I was advised that I should call the next day because the team that would assist me was not working. It was not explained to me why my account was relocked.

I called the next day and was told that I would have to wait 24-48 hours for a call back from loss prevention and that there was nothing that could be done in the interim. 

I have no way to access any of my money with this institution. I have not been given a reason and the internet is littered with reports of other customer 's accounts being locked for a week or more.
Consumer complaint received 2019-09-06
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. (NY)

there is Incorrect information on my credit report I would like removed. I am being hit by experian for a hard inquiry on XX/XX/2019 from XXXX XXXX XXXX. Under the fair credit reporting act I have asked XXXX to show me any proof that I made any type of Inquiry with my signature from there bank which they have not showed any proof as I did not do this. I would like to have this Inquiry removed as it was never authorized by me and was fraud. I would also like this removed from any other credit companies that have this false information.
Consumer complaint received 2018-05-24
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. (MS)

I have contacted XXXX, XXXX, and Experian several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.
Consumer complaint received 2018-05-24
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. (MS)

I have contacted XXXX, Equifax, and XXXX several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I want these items immediately re-investigated and for a good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgence Legal Group, PC (IL)

I have tried 4 separate times to make good on judgement. Continue to get false and misleading information. Have asked for multiple managers and follow up by other reps or mgrs to no avail. My account and money is being locked up over 2x because of bank hold and wages are being held x2. No money has been taken even though repeated attempts and phone calls to resolve in full. Every time I am treated poorly with no solutions for help.
Consumer complaint received 2018-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2017 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2019-09-06
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. (NC)

I have filed several complaints with the three credit bureaus. Upon filing those complaints I noticed that they have failed to take action and remove the fraudulent accounts that are on my report. I am a victim of identity theft and I need the accounts fraudulent accounts removed immediately.
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I called Capital One Credit card today and attempted to re open a dispute against XXXX XXXX XXXX XXXX for {$500.00}. I submitted additional information requested however it was rejected.The representative told me that Master Card would not accept the documents submitted. I submitted a second opinion, detailed explanation of why the charges was fraudulent and quoted North Carolina regulations. If the merchant committed fraud either by misrepresentation or illegal deception as in this case I should not be bound to pay. Master Card has not provided a detailed explanation why it refused my documentation.I would also like Master Card to provide the regulation it based it decision and provided the person name who made the decision and department.
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NY)

Nationstar Mortgage consistently reports my mortgage as not received. I contacted them 6 months and disputed it thru the 3 major credit reporting companies. Nationstar fixed the problem for approximately 3 months and has stopped reporting my mortgage as being paid. This has dramatically impacted my credit score.
Consumer complaint received 2022-04-06
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. (MS)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-04-06
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. (TN)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One Bank Change my payment date from the XXXX XXXX of the month to the XXXX of the month I called them back in XXXX and was spoke to them and explain to them I wanted to keep my same date in which they told me they system updated and my new date is on the XXXX now. then we discussed putting it back to the XXXX and the customer service person got me a supervisor in which she stated it could be on the XXXX of the month. Have called back they claim I did not talk to no one. I called Capital One Bank 2 times was on the phone for over 35 minutes with this issue and called a second time same thing longer conversation. Also was told back in XXXX I would receive a letter as proof both times and have not received no such letter of the payment being on the XXXX XXXX of the month I also have my printed out phone bill showing the length of the said phone call. I also
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

I get a settlement with " well fargo credit card '' To pay {$320.00} the debt i owed to the bank and they are charging me a lot of money for all they fees and that staff. They want to charge me {$800.00} for fees. I also received a letter from the bank saying that They " will stop futher efforts to collect the remaining balance '' and they still calling me to see if i can make the full payment, and still affecting my credit report.
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (FL)

in 2009 in Nevada someone opened up a XXXX Phone in my name, I called XXXX and tried to reason with them, they wanted me to pay over {$800.00} to clear my name. It was to be taken off after it aged out in XXXX..A new collection shows up for XXXX collections in another name ..This is a Debt I have been battling for 7 years and it keeps rising.it is now XXXX $