davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I purchased a vehicle in XXXX of 2018 and took a loan through the car dealership. The loan was issued through Citizens One, XXXX RI. In an effort to pay down the loan quicker, I set up weekly payments of {$250.00} marked PRINCIPAL ONLY. However, the Loan Company CONTINUES to deduct interest payments against the {$250.00} ADDITIONAL PRINCIPAL ONLY payments. I have called them repeatedly asking that they cease this activity and that they refund back to principal all of the interest payments they took. To date, this STILL has not been done. If you request a supervisor, you are told none are available. They owe me all of the interest payments they stole and are refusing to apply them against the principal.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (AL)

My private information was shared and falsely hit my credit report. XXXX XXXX has no contract with me and hit my credit report negatively. It is my belief that under code 15 usc1681 sections 602 and 604 15 usc 1681.c ( a ) ( 5 ) and 15 usc 1681s- ( a ) ( 1 ) my right to privacy has also been violated.
Consumer complaint received 2024-03-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (VA)

i payed XXXX down for a vehichle they lied about a loan they never gave me the loan is fraudulent! scamming people for money getting extra money! in other words I didnt get a auto loan account but the paperwork said i did! the interest is for daily rates like im leasing the car instead of buying it
Consumer complaint received 2023-03-22
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2014 XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$16000.00}
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$100.00} This will be my follow-up complaint in line with my previous complaint
Consumer complaint received 2023-02-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MILLENNIUM FINANCIAL GROUP, L.L.C. (OK)

In Fall of 2021, I went to a dentist. After insurance hit, I owed the dentist {$110.00}. The dentist sold my debt to Millennium Financial Group in OK. They inaccurately reported a debt of {$780.00}, and in XX/XX/XXXX, I saw this reported on my credit report. 

The debt collector inaccurately listed my charges in an effort to negatively impact my credit. When I called and tried to ask them about this, they hung up on me for false accusations.
Consumer complaint received 2019-10-05
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: EQUIFAX, INC. (MO)

Equifax suddenly changed/updated two account on my report for no reason and it made my score drop instantly 60 points! I dont know what they are doing but this is outrageous. 

The accounts are from XXXX XXXX and XXXX XXXX, old credit cards, which have been closed and paid off since XXXX of XXXX and the other has been closed and paid off since XXXX of XXXX! I did nothing to prompt this action, this is outrageous. My score went from the XXXX to XXXX instantly. 

This error needs be to fixed immediately.
Consumer complaint received 2022-11-05
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. (KY)

I requested a copy of my credit report from XXXX and discovered that credit reporting agencies are reporting erroneous information in my credit report. The Credit Reporting Agencies have not responded my dispute as of today 's date. The Credit Bureau is required by the Fair Credit Reporting Act to complete their investigation within 30 days. Please review the payment history, date opened, most recent activity, and status of XXXX XXXX Account XXXX as I believe it was reported incorrectly, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe it was reporting in error : XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2018-04-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (MA)

I received a payday loan from this company in amount of XXXX dollars. I made several pays to this loan. The amount never went down fact it went payment up. I called them asked why doesn't go down rather then up. They said because of the interested, I think this is very bad business, you want to pay-off but to expensive. So I was forced to revoke my electronic withdrawal. Looking into taking legal action into this matter. I really hope these type of compienes can be regulated better in future.
Consumer complaint received 2022-11-05
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. (WA)

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 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CHARLES SCHWAB CORPORATION, THE (IL)

I continue to receive statements by postal mail or other papers by mail but thought from my calling to close my account recently by phone with a representative that they said my account would be closed per my request?!! 

simply put there bank did not fit my financial interests. I decided to bank locally.
Consumer complaint received 2022-11-05
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 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 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 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 If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I made a payment to XXXX XXXX XXXX XXXX on XXXX XX/XX/2019. The balance at the time was {$1800.00}. I paid {$1200.00} to bring my balance down below good credit reporting thresholds. I do this every month. The person or clerk that took the payment did not apply the funds to the account, or XXXX XXXX XXXX XXXX by force reported the prior balance to the credit bureau. This caused my credit score to reduce by 20 points and put me in dispute over the problem. I was forced into a conversation with the credit union over what has happened in previous months. The monotone that I get is very sarcastic and intentional. I also, asked about the payoff of another account that I hold with XXXX XXXX XXXX XXXX, and effects on credit. Both the credit card payment would have reflected good upon me, and the payoff arrangements for my other account. I am now forced to dispute this issue, and deal with troublesome attitudes from the institution.
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MI)

I filed a complaint about Chase Bank, within an hour of notifying Chase bank I filed the complaint Chase blocked all my other accounts. This is a obvious act of retaliated by locking me out of all accounts and all information concerning the accounts. Chase bank gives the following reason " WE LOCKED THE ACCOUNT TO PROTECT IT FROM SUSPICIOUS ACTIVITY '' IF this is true I must know what the suspicious activity is so that I can protect myself and other accounts. I am demanding Chase bank to forward to me by USPS or email, what is the specific activity that caused them to locked me out from viewing the account information.

1,. I am specifically asking for the dates of the " suspicious '' activity 2. The type of activity 3. The IP address or location of the activity and how that differs from previous activity, If Chase refuses to forward this information then it further confirms Chase is either lying or they really do NOT care about protecting me and others from this suspicious activity, Chase is implying the only way they will discuss anything is if I call them. They do this so Chase will be the only ones controlling the evidence. They will not put anything in writing. Ask yourself this, When another entity or person refuses to put information in writing or to be transparent with information, what does that tell you? 
It is a result of the policies of Chase Bank an others that XXXX XXXX is becoming the leading candidate. People are sick of the lies, the fraud, the all around behavior of Banks like Chase, My lawyer told me to simply allow Chase Bank to continue to dig their grave, sounds lie a plan to me. It is my responsibility to share each act of retaliation or bad behavior with the public and that is what I fully intend to do. 
Thank you Chase for helping build my case, can not wait for the next round of bad behavior.
Consumer complaint received 2023-01-06
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: Great American Finance Co (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, Great American Finance Co Acct # XXXX
Consumer complaint received 2019-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This bank is so rude to me from customer care to this office of the president they sent me a letter nkt addresing my concerns everyone I call this number with extension his name is XXXX and he never answers or returns my voicemails so unprofessional people they dont care they have changed all my Accountss nkt fair without my knowledge in XXXX they changed my retail accounts to online only and they dont seem to understand I dont like this changes they made on my account because now I cant do international wires at a branch anymore to send my family money why do they get away with this
Consumer complaint received 2019-10-05
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. (FL)

The credit report is showing 2 late payments which is inaccurate. I have not late payments on any credit card I've ever had. It says XXXX XXXX and this is not accurate. Please research and adjust Thank you
Consumer complaint received 2019-10-05
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: Experian Information Solutions Inc. (NV)

Experian refuses to provide a mailed hard copy of my free annual credit report. They sent me a postcard stating that they could not provide it to me because I did not provide sufficient identification information and would need to submit information to them ( with no address given ) to get my report. They also state that I can get the report online. First of all, I provided them a copy of my drivers license and utility bill in the past, so they are continuing to harass me for this information so they dont need to comply with the FCRA. Second of all, they did not provide any address to submit documentation. Further, there is a cost to make copies of the documents that they are requesting and there is a cost to mailing this information. How is this meet the criteria for my free annual credit report? I am not sure why Experian feels that they can continue to avoid following the FCRA and continue to force me ( harass me ) to provide additional information, which I have provided to them in the past.
Consumer complaint received 2019-10-05
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-06-14
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. (CA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MD)

The creditor CITIBANK ( aka CITI Simplicity credit card ) wrongfully accessed and attempted to collect interest not earned on a paid in full credit card balance. The CITIBANK Simplicity credit card monthly billing statement includes language that you can avoid additional interest from being charged by paying your balance in full on or before the due date. I paid my balance in full on or about XX/XX/XXXX with the due date of XX/XX/2019. When I received the next months ' statement CITIBANK had charged me an interest amount through XX/XX/2019. Worse case they charged me an overage amount for at least 4 days. Although the amount was small, and less than {$2.00} I still called to complain and requested the amount be waived. The CITIBANK phone representative told me that CITIBANK charges interest from due date to due date. I asked about the language on the monthly statement to which she had no answer or explanation. Although CITIBANK did waive the interest charge in my case this is still a false and deceptive practice which I am sure is affecting the majority of CITIBANK 's credit card customers. If thousands and thousands of consumers are overcharged each month by a dollar or two each month in unearned interest that amounts to millions in false profits to this institution..
Consumer complaint received 2019-05-24
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: CITIBANK, N.A. (NJ)

on XXXX at XXXX Est i was contacted by someone who claimed to want to pay my debt off XXXX i doubted it at first because it seemed like to good to be true. usually im used to scammers asking for my information ( bank account #, passwords, etc. ). however, this time was different, the person offered me their bank information, account number and everything. The person then asked me to pay off my credit card in full, which i did with the bank information that they had given me. afterwards on XX/XX/XXXX they demanded that id buy them Gift cards from XX/XX/XXXX, saying that they just paid off my debt that it was the least i could do for them. so i did with the same credit card that they had cleared my debt off from. i bought {$800.00} worth in gift cards on XX/XX/XXXX, and another {$550.00} on XX/XX/XXXX. totaling {$1300.00}. the day after ( XX/XX/XXXX ), i was notified by best buy that the bank account used to pay off the original debt of {$1900.00} was cancelled and could not submit the payment. AFTER i had already bought {$1300.00} worth of gift cards on the credit card. i contacted the person to ask about the bank account and why it was closed before the payment submitted but the never replied to me. i called best buy the next day ( XX/XX/XXXX ) ask reported that my card was used for fraudulent purchases of gift cards and that my debt had accumulated to about {$3700.00}. however they told me that they could not help because technically i made the purchases of the cards and because of that it was not considered fraud. however in my defence, if the payment had not gone through yet, why did best buy allow more charges to apply to the card. why didnt they put a lock on my purchases while the payment was being submitted. i do not believe that i should be held responsible for the debt that was scammed off my card because the cards were not used by me nor did i benefit from the purchase. this has caused an immense amount of stress in my life and i hope that you guys will help me resolve this nightmare that im in. thank you very much.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (CA)

THERE ARE XXXX HARD INQUIRES ON MY REPORT THAT HAS COME FROM IDENTITY FRAUD AND I WANT TO HAVE THEM REMOVED. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-07
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. (CA)

There are late payments being reported inaccurately on my 3 consumer reports. They're all reporting something different ( XXXXTUXXXXXXXX  ). I have reached out to all creditors and 3 bureaus and all give me the run around