davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (CA)

On Monday morning, XX/XX/XXXX, at approximately XXXX XXXX ( Pacific Time ), I  received a telephone call at my office from XXXX XXXX XXXX XXXX. 
The caller identified herself as " XXXX XXXX '' ( " Caller '' ) working for a firm collecting monies I owe " XXXX XXXX '' ( " Bank '' ). The Caller informed me I was about to be sued, and, in the instant case, she was working with an attorney in the office of the district attorney , County of XXXX XXXX. She said I would soon be served if I did not pay the amount due. 
The Caller 's tone was stern and her message intimidating and threatening. 
I told the Caller that I did not know the Bank. I advised the Caller she had contacted the wrong person. 
The Caller informed me I had made loan payments for five years and wanted to know why I had stopped making payments. 
I reiterated that I had conducted no business with the Bank, had made no payment to the Bank, and owed no money to said Bank. 
I told the Caller I was in my office and could not take personal calls, and, with no further comment, ended the call. 
Even though the Caller had been advised she was calling me at my office, on XX/XX/XXXX at approximately XXXX XXXX ( Pacific Time ), while I was in my office, my telephone registered a call from the same number from which the original Caller had called on XX/XX/XXXX. I did not answer that call. No voice mail message was left. 
During the week of XX/XX/XXXX, I received via United States Postal Service first class mail a notice from ARA , Inc., identifying the original creditor ( XXXX XXXX ),  the original creditor 's account number, the balance due, and the ARA, Inc., file number. The notice is included in the attached .pdf file.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (IN)

Company on multiple occasions refused to provide proper information to enable me to process my payment. I explained at length that my account was a saving account and various csr 's on multiple occasions told me that I can process my ach payments using savings accounts. I was also told at times that it required a checking account and yet my payment attempts were still being rejected. I received an email showing my savings as a checking account despite my efforts to communicate otherwise. Most recently I received a phone call on XX/XX/XXXX and XX/XX/XXXX my a supposed XXXX XXXX XXXX of ( Navy Federal ) who provided me with false call back information, and called at a wrong time despite when i told him to call. He proceeded to tell me my account has been reset so I can pay via online. So today i logged in online and I am in the process of submitting a payment after my supposed account reset. My {$58.00} payment is scheduled for XX/XX/XXXX. My {$54.00} was rejected and i received the email from NF stating it was because my account is a saving account but went in as a checking account. XXXX XXXX attempted to pursued me that this was my doing and told him it was not so it was best to just say the information was entered wrongly. I also mentioned that I know my account information and the spelling of my name and this was NF 's fault not mine. Notwithstanding, he found other errors on their part ( NF ) for which I was not given any details. My account is in deliquent status despite the fact that its because of their own CSR 's failure to properly do their jobs and process my payments. XXXX XXXX did state that this should not of been my experience, agreed to wave a {$10.00} fee ( supposedly ) and admitted that my name was entered wrong by the NF and the there were some other issues that he sees as to why my entire account will have to be reset. So in other words NF is the reason I am late on payments due to their own negligence. I still do not have online access but they continue to file against my credit file.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-23
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : TD AUTO FIN XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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 been going on a uphill battle with Experian about fraudulent accounts and fraudulent hard inquiries on my credit reports for years now and I'm beyond frustrated with this matter I need this issue to get resolved like ASAP I contacted Experian and spoke with a rep the rep said to me that Experian will not remove these fraudulent accounts and fraudulent hard inquiries off my credit report because I didn't have a freeze on my report with Experian I've never heard of anything like this ever I'm moving forward with this complaint because this fraud has hurt my credit standing tremendously thank you for your help in this matter
Consumer complaint received 2017-08-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (AL)

I paid a {$1000.00} loan taken out with Big Picture Loans on XX/XX/XXXX in full on XX/XX/XXXX for the amount of {$1400.00} ( attached ) On XX/XX/XXXX, I logged onto the website https : //my.bigpictureloans.com/loan-status to make sure the debt was satisfied and it stated I owed an additional {$94.00}. I called Big Picture Loans to find out why the account had a balance and was told it was additional fees and interest. I paid Big Picture Loans {$94.00} on XX/XX/XXXX as an amount to have the loan paid in full again. However, Big Picture Loans continued to take payments out of my personal checking account. Since the loan was paid off and documentation from Big Picture Loans was provided stating that the loan was paid off on XX/XX/XXXX ( attached ) they have continued to charge me fraudulent charges for the following amounts on the following dates XX/XX/XXXX for {$250.00} which caused a overdraft fee of {$29.00}. I called Big Picture Loans on XX/XX/XXXX and asked why they drafted {$250.00} out of my account on XX/XX/XXXX when the account was paid in full on XX/XX/XXXX. They proceeded to tell me I owed additional fees and interest of {$380.00}. I then proceeded to call my bank to have my checking account closed so Big Picture Loans could no longer take money, at will, My bank, XXXX, informed me that I could close the account but each time Big Picture Loans tried to draft additional money out of my account that it would cause the account to be re-opened which would cost me additional NSF fees. In yet another effort to stop Big Picture Loans from fraudulently charging additional fees and interest that I did n't owe them and also to stop Big Picture Loans harassment, I used my wifes debit card to pay these so called additional fees and interest of {$380.00} ( copy attached ) on XX/XX/XXXX.. Another fraudulent payment of {$250.00} was drafted on XX/XX/XXXX! In the last attachment # 5 it clearly states I have paid {$1200.00} to principal which is more than the loan was originated for and {$890.00} in interest. These two amounts added together is only {$2100.00} when the amount that Big Picture Loans has taken from me is {$2400.00} or possibly more. I think this kind of accounting practices clearly proves this company is breaking the law by not stating all income correctly and in committing fraud against their customers. I would like to sue them when it is determined they are conducting business illegally.
Consumer complaint received 2022-04-14
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. (AL)

At this point I am not sure whats happening at the thre major credit buroues. There are still inaccaurete information o my credit report! I have asked XXXX, XXXX, and Transunion to investigate and remove the inaccaurete information! This is fraud and defamation!!! They arnt investigating. They have removed a few things but they havent fully investigated! I am demanding these inaccaurte information be removed! Federal law requires XXXX, transunion, and XXXX thirty ( 30 ) days to investigate ALL or remove ALL inaccurate information! Yet they have failed to. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I have records of past correspondence I have maintained a careful record of my communications, please see certified mail receipts and letters mailed to XXXX, XXXX, and Transunion starting XX/XX/XXXX! I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX, XXXX ), they may be liable for willful non-compliance.
Consumer complaint received 2021-08-27
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. (GA)

I HAVE BEEN WAITING FOR EQUIFAX TO REMOVE A COLLECTION ACCOUNT FOR TWO WEEKS NOW. HOW LONG DO I HAVE TO WAIT WHILE EQUIFAX TELLS THIS GOVT AGENCY THAT THEY ARE WORKING ON IT. JUST TO REMOVE THE XXXX COLLECTION WITH THE FLIP OF A SWITCH. TO STATE THEY ARE DOING REASERCH IS BULLSHIT.. HOW LONG WILL EFPB CONTINUE TO ACCEPT THIS LOUSY EXCUSE FROM EQUIFAX. IF A CFPB AGENT WERE THE VICTIM IT WOULD BE A DIFFERENT STORY. MAYBE TO COZY WITH LYING EQUIFAX. I GUESS.EQUIFAX IS A DISGRACE AND SHOULD BE DISLOLVED. 

XXXX XXXX XXXX
Consumer complaint received 2015-09-26
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Allied Collection Services, Inc. (Nevada) (NV)

I am attempting to settle a medical debt from 2013. I am on a limited income because I am XXXX as determined by the Social Security Administration. I contacted the collection agency, Allied Collections in XXXX XXXX regarding this debit. I advised them that I would like to make an appointment to come in and make pymnt arrangements. I made an appointment, however my XXXX-month old child was ill and I had to take care of her. I called them within a few hours advance notice and they were extremely rude to me and asked me to bring my daughter in anyway. I advised them that I would not, and they threatened me with higher interest rates on my debt if I did not make an appointment with them the next day. I made an appointment but my daughter was still ill the next day so I had to cancel again. I just checked my credit score and my interest rate and penalties went up in value. I made a complaint with the XXXX in XXXX XXXX about this and was given a number to call. I feel that I am being punished for canceling an appointment with this collection service.
Consumer complaint received 2024-04-07
Product: Credit 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. (CA)

I'm here to complain about the way that Citi bank resolves credit card charge disputes. Citibank makes it unreasonably difficult to dispute charges so that their customers eventually give up. If they can charge XXXX  % APR, then they should provide the financial services they advertise. 

I bought a couch on XX/XX/2024 and never received it. After talking to the merchant, my only option was a partial refund, which meant losing > {$700.00}. I found it unfair to pay {$700.00} for something I never received, so I decided to dispute my charge with my credit card company. 

When you dispute the charge with Citi, they immediately put money back on the card, to give the customer immediate satisfaction. The immediate response makes you feel like the issue is resolved, but it isn't. After several weeks, they email you a PDF form and ask you to hand write more information about your dispute and physically mail it to their support centers. 

This is where most customers give up. This process should be much faster and should not involve any physical mail. Citibank does not have an advertised customer support email. They only have phone numbers where callers wait in queues for hours, or physical mailing addresses. They purposely make themselves difficult to contact so they can avoid providing the services they advertise. 

I've attached a screenshot of the form from another dispute they asked me to fill out and mail back as an example. I can't attach the entire document because it has personal financial information on it, so the screenshot is the best I can do. Notice that they ask me to mail the response to a XXXX XXXX XXXXXXXX, XXXX XXXX, South Dakota instead of emailing them.
Consumer complaint received 2022-02-23
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. (TX)

XXXX XXXX XXXX, EXPERIAN, XXXX AND XXXX IARE CURRENTLY SHOWING ON MY CREDIT REPORT AS A COLLECTION THAT IS NOT MINE..
Consumer complaint received 2017-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (GA)

I have been a member since XX/XX/XXXX and when up until a few years ago I had a fixed APR for purchases of 7.99 % they raised it to 10.99 % fixed APR a few years ago which I was not happy with but was still okay with it. Now today XX/XX/XXXX I just received a letter telling me they were going to raise my APR to 17.99 % variable based on the prime rate. I feel that is just unacceptable and I feel is totally unjustified due to the fact I have never been late on my credit card payments or have not had any over limit fees and according to them I have an excellent FICO score. I am currently caring a pretty high balance on this card but have always been prompt to make my payments on time and have been paying them the trailing interest at the 10.99 % fixed rate and will be hoping this change will not be able to effect the 10.99 % fixed rate on that trailing balance.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (WA)

I can plan it again XXXX like a players against the fraud that is committed against me the refusal to accept my tender and my negotiable instrument which is a crime. They claim that I signed something under the cardholder agreement which I did not so I am asking you not only to do your investigation again I'm asking you just show me the steps that you took to provide that investigation. Under 15 USC 1681i I am demanding that you prove to me where I signed any agreement I also want answers to my questions 15 USC 6802 XXXX I did not sign anything on my behalf regarding your company so no you can not share my information which is a violation and I will be filing a federal lawsuit against you but I want answers here I expect answers here and your failure to do so it's just going to make you look worse in court or arbitration is a you can't prove to me that you let me credit because it's against the law to learn credit the fraud that you've been doing is just despicable. My main question is for you also to show me the steps on how and where you actually let me credit when the law says you can not lend credit where did this credit come from it came from me and you lied to me about that that is false and to set the practice and under 15 USC 1681n will compliance and 15 USC1611. I want proof with in 15 days that I signed anything from you.
Consumer complaint received 2022-02-23
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. (TX)

XXXX XXXX XXXX, XXXX, TRANSUNION AND XXXX IARE CURRENTLY SHOWING ON MY CREDIT REPORT AS A COLLECTION THAT IS NOT MINE..
Consumer complaint received 2022-02-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Santander Consumer USA Holdings Inc. (NY)

I disputed the validity of the debt, And requested the name and address of the original creditor with a document to validate the debt. 
The company then stated that I was a buyer and a customer not a consumer over the phone, I requested that in writing and they refuse to do so but send me a copy of a False and misleading alleged contract. Ive also made numerous complaints regarding the fair debt collection practices act and the truth in lending act and the fair credit reporting act. Santander consumer USA is not respecting it. 
Instead they refused to comply and threatened to repossess my vehicle once again
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-02-23
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)

There is an account on my credit report that is not mine and was the result of fraud/identity theft ( XXXX XXXX XXXX from XXXX of XXXX, as stated in the FTC identity theft report attached ). I noticed it in XXXX of XXXX at which time I disputed it ( I did not know the proper way to fix identity theft with the credit reporting agency at the time, I wasnt aware that disputing wasnt the Way to fix ID theft fraudulent accounts ). When I got the info back they were not deleting the account I spoke with an agent on the phone who informed me I needed to send in the FTC identity theft report ( which I had already filed the same day of the call ) and my drivers license and social security card. I sent the ID theft report from the FTC off with my drivers license and social security card the next day, priority mail XX/XX/XXXX. It was received four days later on XX/XX/XXXX. They sent me an investigation result stating this account XXXX XXXX that was disputed is verified as accurate and will remain on your report. The problem arises when they noted this as a dispute and not an IDentity theft request to block under The Fair Credit Reporting Act Section 605b. The FCRA 605b requires credit reporting agencies, such as Transunion, to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. They have done neither. The fraudulent account is still on my credit report and is keeping me from being able to apply for credit, among other things. This needs to be fixed, Ive sent in every single piece of information that the FTC said was required for this to be blocked from my report and Transunion has still not done their due diligence. Please help! Its crazy that they sent me a notice of my rights as an identity theft victim but didnt treat this as identity theft is supposed to be treated. 
All relevant files have been uploaded including the Driver license and Social Security card info I sent them along with my FTC ID theft report the priority mail receipt for the mailing of said documents, screen shot of USPS tracking info stating when the mailing was delivered and picked up by an individual, as well as the dispute results and a copy of the packet of of theft rights they sent me. 

Thank you for any and all help you can give me as this has upset me to no end. Transunion not treating this as if theft is almost as bad as the od theft to begin with. It shouldnt be this hard.
Consumer complaint received 2023-08-23
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. (CA)

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 U.S.C 1681. 

Has Violated my rights. 

1. Account Name : XXXX XXXX  / Account # XXXX Has Violated my rights. 
15 U.S.C 1681 Section 602 A. States I have a 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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.