davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX XXXX XXXX XXXX Finance manger was very rude in the way he talk to me and very Bias as well as a pure XXXX. I came there to trade in a car and the salesman was very nice and helpful. The finance manger told me he could not get me Finance with {$40000.00} dollars or XXXX no amount money would Capital one take the loan. Funny Thing I have a car loan with Capital One Bank and it can be Verified by capital one I never had a late payment nor any late fees as well for the last 2 years no credit cards student loan is late or behind. This Finance manager also told me they use a Formula and when we look at his computer screen it was showing things that had been deleted off my credit file and it was as he was trying to use it against me. I contacted Capital One Bank and was told when the loan was in pending status the Finance manager did not respond back to capital one as if I wanted to put more money down. My feelings towards euro motors as people had told me that there not the dealership to do any business with and they are awful when it comes to customer service. I have also contacted XXXX XXXX XXXX to the issue with the Finance manager and the way he talk to me. I no he have some excuse as most do and try to justify his actions and all that but XXXX is very bias and that's it. Typical hidden agenda type Finance manager that's explain why the times I visit the store there is real inventory at the lot and to why so many old used cars on there showroom floor.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I call the credit bureaus to remove inquiries that are reporting on my report that wasnt authorized by myself. They advise me to call the individual companies that placed the inquiry on the report. So I did and the companies stated that they do not have any applications on file showing were I applied for there services.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$410.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2020-09-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MO)

Hi, So I owe about {$25000.00} to Sallie Mae for my student loans. I pay about $ XXXX {$200.00} extra on my student loans every month and recently noticed that these extra payments were not being applied to my principal. I reached out to a sallie mae representative via their messaging system and inquired about how I could get my extra payments applied to principal only. The rep advised that payments are applied first to interest and fees and then to principal. I told him that I pay extra towards my loans every month and do not ever see a reduction to principal when I submit the extra payments. He said there is no way to have a payment applied as principal only. 

So with this information I have found that my extra payments roll over to the next month which leads to me being charged more interest than necessary since there is not a reduction to principal with the extra amount I am paying. 

In my opinion, this is criminal and should not be allowed to continue. I am trying my best to pay these loans off early to save myself money, however, after finding out that sallie mae is trying to make as much money off of me as they can, I see no incentive to continue making extra payments. How are any students, especially those who are unaware of what sallie mae is doing, supposed to pay their loans off in a reasonable amount of time? 

Please help.
Consumer complaint received 2019-10-07
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. (WA)

I continue to receive regular emails from Experian, including alerts notifying me of changes in my credit score, and warning me about changes to my credit report. When I navigate to the Experian.com web site, I am not able to log into the site. The web site tells me that my email address is not valid, even though it is the same email address where I am receiving the alerts. I have wasted hours trying to navigate the phone supoort, inputting all of the requested information to the automated phone system, only to have it re-direct me back to the website where I still can not log in. This is infuriating to say the least. The only reason I have an account with Experian in the first place is because my information was compromised by XXXX. Now, I am receiving alerts from Experian, but unable to access my account, view any details of the alerts I am receiving, or contact any person at Experian.
Consumer complaint received 2022-06-14
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Phillips & Cohen Associates, Ltd. (AZ)

I was called at XXXX on XX/XX/XXXX from Phillips & Cohen Associates LTD , A Debt Collection Company, Looking for Another Person. When the Call took place, I was in bed sleeping and was woken up by the phone call, so I missed that call, So I got up and made the return call at XXXX. When I called back, a rep answered the phone and asked for my name, I told them my name was XXXX and they Hung up the phone. I called back and spoke to another Rep, They answered and asked for another person ( XXXX XXXX, my Ex Wife ) immediately, I replied I was not that person, but that was the wrong number, They also then just hung up. I called back again and spoke to another Rep who then explained they were a collection agency and they were looking for another person. I informed him that I was not that person and that they were breaking the law by calling people so early waking people up, he replied that they called for the time zone for another person and it didn't matter what my time zone was that my phone numbers Area Code is part of another time zone so they can call within the hours of that time zone. I have reported this infraction to a Dept Manager for that company XXXX XXXX. I can show proof of Calls with Phone Records. 

XX/XX/XXXX Original CFPB Complaint # XXXX, XXXX system closed original complaint because they thought I didn't file complaint. My name is XXXX XXXX and I am filing a complaint against Phillips & Cohen Associates LTD for Breaking the Law ( Fair Debt Collection Act ).
Consumer complaint received 2022-06-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit systems has reported an invalid debt to XXXX XXXX credit file. After reviewing the documents sent to XXXX XXXX after debt was already reported to his credit file was totally out of line and did not follow the guidelines set by the FCRA. XXXX XXXX should have been notified prior to account being placed on his credit file. Also after reviewing the documents National Credit System sent theres not a signature or agreement between XXXX and XXXX XXXX. XXXX XXXX did not sign or agree to any contract with XXXX. National Credit System did not and can not provide any signed agreements between XXXX and XXXX XXXX. As XXXX XXXX council representative if this account is not removed immediately we will file sue with XXXX XXXX XXXX house accordingly. My firm advised XXXX XXXX to withdraw/ void payment. We also reached out to Elevations XXXX they also agreed there were no contract signed between XXXX XXXX and XXXX. We have reviewed all documents thoroughly and there is no signature or contract between XXXX and XXXX XXXX. Once again we will pursue damages caused by client National Credit Systems if collection account is not remove from credit bureaus. The penalty is up to {$1000.00} per reporting inaccurate information per each credit bureau. National Credit system has used illegal and unethical tactics to collect monies not owed which has damaged XXXX XXXX credit rating. My law firm will see this through entirely. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After the XXXX security breach, I have been attempting to place a security freeze with TransUnion ( I already froze with XXXX and XXXX ). I have used XXXX, ( XXXX ) XXXX, and freeze.transunion.com. 

Every attempt I have made ( XX/XX/XXXX @ XXXX, XX/XX/XXXX @ ~ XXXX, and now XX/XX/XXXX @ XXXX ), they take my information, tell me they are unable to retrieve my information and I need to talk to a representative. Their system then 'transfers ' me to a fast-busy signal, which then hangs up on me. 

I also attempted to use freeze.transunion.com. It said there was something wrong with my account, and I needed to call ( XXXX ) XXXX. When I did and went through the prompts, it hung up on me. 

I have recordings of each of these interactions.
Consumer complaint received 2022-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

Freedom Mortgage marked my mortgage payment as late, on XX/XX/2022 and subsequently reported it late to all XXXX credit agencies after I submitted it through their online system after XXXX on the XXXX day. They said that it is their policy to mark the payments as received on the next business day of it is submitted after XXXX ET on their website. This was unbeknownst to me. The law clearly states it has to be XXXX days late, which is was not. I've tried calling and talking to them on multiple occasions but to no avail. This dropped my credit score immensely, and harmed my ability to get a more favorable interest rate on a refinance opportunity. I am sure I am not the first or last person this has happened to. 

I'd appreciate any assistance you can offer to get this late report off of my credit report ( s ). I have never been XXXX days late before or after that time, and it was clearly paid before that time in this instance as well. Their internal processes should not impede my rights to pay my bills on time, and it be marked as such. 

Thank you, XXXX
Consumer complaint received 2021-04-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (WA)

I have created the account in Gemini, after serval weeks my account is not be verified. I have sent a lot of email to get the account be setup so I can deposit/withdraw my fund. But no lucks. And I can't remove my account to make sure my data not be used wrongly. 
They are not following the GDPR and stealing the personal data with money.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Resources, Inc. (TX)

I recently took a closer look into my credit report and found out about fraudulent reporting on my credit report. So far 51 accounts all from a company out of New Mexico : Collection Resources Inc. I have Spoken to the owner which claimed he would get this situation taken care of by today/ per phone call conversation on Monday XX/XX/2019. I called him back today requesting documentation of what all has been done. He asked me what I wanted. I repeated myself and he hung up on me. Attached are the accounts that I have come across thus far. Currently awaiting 2 more reports to cross reference
Consumer complaint received 2018-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

Merchant XXXX made a mistake by debiting {$370.00} from my account and once I talked with them about this error I had already paid {$120.00} towards my XXXX bill they credited back the {$370.00} back into my account and now Chase bank is not honoring this transaction I was on a three way call with chase bank and XXXX and they did verify the error and now my funds is not back into my account as Chase bank did agree upon now my account is overdrawn {$450.00} now chase bank will not credit my money back into my account whatsoever.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

I have tried fixing this issue with all three bureaus on this account because Account status reports as closed with a balance of {$2.00}, XXXX. Date last reported along with date last active has been re-aged. Payment history is reporting data by XXXX and XXXX yet missing data on date of last payment. I have not received any document stating that account has started its investigation yet account has been updated pushing back the date it should fall off this is not acceptable. This account is reported as close with a balance yet account is still reporting payments on payment history after account is closed this is not possible I previously wrote to bureaus asking to verify or delete immediately because account is reporting incorrectly. There is no way that account can be closed and yet reporting payments on a dead account.
Consumer complaint received 2019-03-22
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. (TN)

XXXX ; XXXX and Transunion are incorrectly reporting on XXXX ( page 8 of the attached credit report ) - partial account numbers XXXX and XXXX. The reporting is showing I have balances due on these accounts. I was dealing with these fraudulent student loans to my credit report since XXXX, 2018. I was successful in having XXXX and XXXX remove these line items from my credit report, only to find that the SAME student loan information was put back on my credit report. I never attended XXXX XXXX XXXX nor lived anywhere near XXXX. ( Please see attached letter dated XX/XX/2018 reiterating the situation ). ALSO, attached is a copy of the letter from XXXX XXXX XXXX XXXX - ( XXXX ) dated XX/XX/2018 wherein they state in paragraph two that the " XXXX   was inadvertently directing our collection efforts to your attention for a federal student loan account belonging to another individual ... '' This incorrect reporting is harming my credit score.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureauTransunion has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed and my information is being falsely reported. I demand that these inquires below be removed immediately.

I am submitting this on my own behalf.

Inquires listed : 1. 
XXXX Date of inquiry : XX/XX/2021 XXXX. 
XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. 
XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2020-11-05
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. (MD)

I disputed several inaccurate accounts on my credit report. I filed an FTC report with Experian. The accounts were removed. I was not notified when 3 different items were reinserted on my account. I called Experian and was told that notification would take 7-10 days. The FCRA states they must notify me with in 5 days. They told me that was incorrect and then refused to allow me to speak with a supervisor.
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

I made a payment from my XXXX  Account of XXXX XXXX dollars to my WellS Fargo Loan account on XX/XX/2022. 
The Check from XXXX was received by Well Fargo. XXXX and I see the copy that Wells Fargo accepted and we also see they made a one digit mistake when depositing the money and put it into the wrong account. I called after a few weeks and asked what the status was and was told they would move it to my Loan account. That never Happen. So I reached out again end of XXXX. Then Wells Fargo said yeah they closed that account and I would get a check by mail. XXXX within 2 days. Again that never happened. Now the last information stating we are reviewing and that was 2 weeks ago. 
So since XX/XX/XXXX Well Fargo has had XXXX dollars of mine, that did not go against the principle and I had to make three payments since this payment.
Consumer complaint received 2020-11-05
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. (NY)

in response to EXPERIAN to my compliant, yes I XXXX XXXX did send to experian and CFPB a complaint in reference to me being a victim of identity theft. I attached my FTC report and a copy of my social security card and my drive liscense.
Consumer complaint received 2019-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (NC)

Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (IL)

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was Lending Club. Depending on which credit bureau you look at, Lending Club reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

Lending Club sold the alleged delinquent debt account to XXXX XXXX XXXX. 

In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both Lending Club and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

Lending Club did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update Lending Club with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (CA)

Citibank confiscated my mom 's checking/savings account, saying the account was abandoned. My XXXX year old mother, who has been in a rehab center for a year due to seriously XXXX XXXX, had a home equity loan and money market account with them for nearly 20 years and cashed out her life insurance policy last year to pay off the loan, of which she paid over {$200.00} a month in interest. Without prior notice, I received a notice from CitiBank that they had confiscated her account due to abandonment. They claim they sent notices, but since her horrible injury, I have been handling her mail and I never received ANYTHING stating this action would be taken. After being told there was nothing I could do about it, by my 3rd call they ordered me to fill out a statement citing the circumstances, the total amount of which was {$210.00}, have my mom sign it, and a check would be sent. One was sent, short the {$5.00} from the money market account. Repeated requests and demands for the entire amount, which was listed on the signed request they received, they have dug in their heels and now say .I need to fill out forms to get the {$5.00} back! It may seem like a pittance, a petty complaint, but how many people have they done this to who aren't aware it happened, especially the elderly and the XXXX? I've warned them 3times I would file a report over this, and even recommended they simply put a {$5.00} bill in an envelope to solve this problem, but they are adamant about filling out more forms eventhough the amount on my mom 's signed letter was acknowledged by CitiBank to be the amount she was owed. We came from the XXXX and CitiBanks stand on the 2nd amendment and their refusal to serve people or business who associate with the XXXX is widely known, and being members, we refuse to allow CitiBank to keep even a single cent they don't deserve! My mom is adamant ... .she wants the ENTIRE AMOUNT THEY TRIED TO STEAL! Please help us stand up to these XXXX who would rather be reported than give an old, XXXX great grandmother her {$5.00} back! We are on fixed incomes and every penny counts in this household! Show CitiBank that they can't be a XXXXBank and get away with it!
Consumer complaint received 2020-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (MI)

Got a loan for XXXX dollars on line through checking who is also axcess financial did not receive any paperwork. Got loan in XX/XX/2020. Paying XXXX dollars biweekly. Problem checked credit Rpt. Shows XXXX dollars month for term of 18 months. That would equal XXXX dollars. That's predatory lending.