davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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 ridiculous! I have been disputing for the removal of the fraudulent items from my Credit report and yet the Credit Reporting Agencies have done nothing! I started disputing for the removal of the fraudulent items from my Credit Report since XX/XX/2022 and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. If the Credit Bureaus claim that the information they report are accurate and verified, I need the Credit Bureaus to send me copies of documents bearing my signature as proof of verification. If the Credit Bureaus are not able to provide the requested documents, and continue the reporting of the disputed items, please understand I will initiate legal countermeasures. If it is not that too much trouble, please remove the following fraudulent items completely from my Credit Report : 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX}
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (SC)

I have 3 missed payments on my first progress credit card. The card is paid off and closed. I called in to first progress to ask if theres anything I can do to get rid of the late payments so they instructed me to fax in a Good will letter and they will forgive the late payments. After I sent it in I called again to confirm the late payments were take off and they said yes it should be updated within a month. I still see the late payments on my credit report Im hoping those can be taken off.
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (CA)

On XX/XX/XXXX I contacted AAFES after XXXX ( my debt negotiation administrator ) let me know that AAFES /XXXX XXXX will not negotiate our account. I explained this to AAFES and requested that i start paying on my account again. XXXX XXXX spoke to me, set up my ACH monthly payments and sent me an email with the Voluntary Payment Plan Agreement. I signed the agreement and emailed it back to BOTH XXXX and the XXXXXXXX email box on XX/XX/XXXX. It states on the agreement that if I don't agree and make payments, they will send my account for XXXX XXXX  and take my tax refund. My payments started on XX/XX/XXXX and have come out each month. I did everything that was expected from me. On XX/XX/XXXX I sent them my Hardship package to bring my interest rate back to 10 %. They had doubled my interest rate to 20 % when XXXX was trying to negotiate on my behalf. I have a fax confirmation that shows all pages went through to AAFES. I called AAFES on XX/XX/XXXX to follow up on the interest rate reduction and was told that I needed to call XXXX collections because AAFES sent into to collections on XX/XX/XXXX. AAFES never informed me that they were sending to collections. They had been taking my payment monthly and sending the monthly statement showing my payments. I called XXXX XXXX at XXXX on XX/XX/XXXX and explained all of this. He called AAFES and they told him that they never received my Voluntary signed agreement. I sent him the emails and fax confirmation showing that they are lying. My balance from my statement received shows {$4300.00}. Per XXXX, the new balance with the collection fees is {$5100.00}. I also verified that they're taking my tax refund this week. This is so wrong. I did everything that I was told to. Because they messed up, they're taking my refund and adding {$770.00} to a balance that I was already paying and they've gouged the interest rate. Please help. Thank you kindly.
Consumer complaint received 2022-08-27
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. (CA)

This is ridiculous! I have been disputing for the removal of the fraudulent items from my Credit report and yet the Credit Reporting Agencies have done nothing! I started disputing for the removal of the fraudulent items from my Credit Report since XX/XX/2022 and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. If the Credit Bureaus claim that the information they report are accurate and verified, I need the Credit Bureaus to send me copies of documents bearing my signature as proof of verification. If the Credit Bureaus are not able to provide the requested documents, and continue the reporting of the disputed items, please understand I will initiate legal countermeasures. If it is not that too much trouble, please remove the following fraudulent items completely from my Credit Report : 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 XXXXS DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (VA)

1st complaint-Date:XX/XX/2018 Amount : {$830.00} Action taken : I disputed with XXXX Credit Bureau because its reporting inaccurate information. I disputed it and they are stated it was verified as accurate. There is no documentation with my signature that I owe this debt and I've never had any business relation with this creditor. Dispute file # XXXX 2nd complaint- Date:XX/XX/2018 Amount : {$400.00} Action taken : I disputed with XXXX Credit Bureau because its reporting inaccurate information. I disputed it and they are stated it was verified as accurate. There is no documentation with my signature that I owe this debt and I've never had any business relation with this creditor. Dispute file # XXXX
Consumer complaint received 2018-01-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Performance Settlement, LLC (KY)

On XX/XX/XXXX I was contacted by XXXX XXXX to consoldiate my student loans and to enter in to a student loan forgiveness program. There contact information is XXXX address is XXXX XXXX XXXX XXXX . XXXX XXXX CA XXXX. Starting XX/XX/XXXX through XX/XX/XXXX the company ACH debited my account for each months for a transaction of {$100.00} and a seperate transaction for {$0.00}. i was contacted by XXXX my actual Department of Education Loan Servicer on XX/XX/XXXX stating that i was 177 days past due and was fixing to be in default with my federal student loan. i told them that i was working with a third party servicer paying them a monthly payment towards my loan. They informed me that i was involved in a student loan scam and gave me the number to contact CFPB. I have also contacted my bank that the funds were withdrawn from and have put a hold from this company to withdrawl and more funds. This company has taken {$1600.00} feom my account and refuses to pay it back to me.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have a credit card from CAPITAL ONE BANK USA N, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE BANK USA N and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CAPITAL ONE BANK USA N with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2019-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper, formerly dba Nationstar Mortgage makes it almost impossible to submit additional principal payments on my home loan. First, I tried to make principal payments on their web page, but there were only places to pay the full interest-escrow, and principal. On XX/XX/XXXX I sent them a check for {$1500.00} marked PRINCIPAL ONLY along with the account number in the memo section. In addition to this, I sent a letter specifying the purpose of this payment, as well as the Mr. Cooper coupon that specifies additional principal that comes with each payment notice. However, once the check was cashed, I saw that it had been broken down into interest and escrow payments, with only a tiny portion allotted for principal. I must have spoken to three or four different people to try to get it straightened out, but I did get a promise that this would never happen again. 
On XX/XX/XXXX, I got the courage to make another principal only payment, this time for {$4000.00}. I also made a pdf of the check and the payment coupon. On XX/XX/XXXX, I received notification that it had been received, so I went to the website to find, once again, it had been broken down into smaller payments- each covering interest, escrow, and the smallest portions principal. As before, I called to complain, and was informed that it would probably show up as corrected in a few days. I emailed a copy of the pdf to a XXXX XXXX who later emailed me back that I should have received a call. Someone named XXXX had called me with instructions to call her back. She wasnt there when I did call, but someone named XXXX. XXXX took the call and gave me her information so that I could check back with her next week. As of this morning, the account has new adjustments on two of the previously listed deposits of {$1300.00} and {$1300.00} to principal only, but that still leaves me {$1300.00} short on principal-only payments. ( Also, at this time, my regular automatic monthly payment of {$1300.00} posted on XX/XX/XXXX. ) I am weary with this company that sends its own specified deposit coupons and then does not honor them. I have worked with at least four other mortgage companies in my life, but I have never felt so insecure as I am now with this one. Mr. Cooper bought my loan from XXXX ; that is the ONLY way that they would have gotten my business. I wish I could just switch to another company ; but at this point, I would never get the same interest rate and it would cost me several thousands of dollars to set up. 
If Mr. Cooper is doing this to me, this company is probably doing the same to some innocent people who do not know how to check the data online. I would like some permanent solutions.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I'm trying to get access to new lines of credit, but a previous situation with XXXX XXXX and XXXX is impacting my overall credit-score. 

This incident happened in XXXX, 2022 with XXXX XXXX ( XXXX XXXX ) consumer credit card payment that was delinquent for over 60 days. This ( XXXX XXXX ) XXXX XXXXXXXX XXXX  was transitioning over to XXXX XXXX responsibility during that time, and would no longer be under XXXX  XXXX going forward. 

* This change caused confusion on the consumer side. 

* In addition the above change, this issue was further compounded since we recently moved and underwent an address change during that time and missed the notification entirely. 

My wife and I share responsibility for the payments, and tied to the card. There was a small {$65.00} charge that personally I was not aware of and went unnoticed for over 3-Months and is a poor reflection and major derogatory mark on my personal credit score.

When tried to resolve the issue, they were not willing to help and made things extremely difficult to resolve. I was so frustrated, I closed the account with them and did not move forward with the new responsible party of XXXX.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have contacted XXXX 27 times since 2015 and they are refusing to correct my name. I have provided a clear copy of my driver 's license, passport, mail, and birth certificate and they are refusing to correct my name. They are also reporting an incorrect address. I have already provided them proof of my current address and they are reporting my current address as a Virginia address and I live in North nCarolina.
Consumer complaint received 2022-04-27
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (WA)

Some company called AFNI has been trying to say I owe money for XXXX insurance. Which I dont think the common company known as XXXX is called XXXX insurance. They keep changing the time and debt amount. I have not been in a car accident nor had XXXX even the legit company as my insurance. They are only sending weird mail but hasnt tried to contact me otherwise.
Consumer complaint received 2020-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

I signed up for a checking account to earn a {$300.00} promotional cash bonus. I have completed all terms and the time period within which I Was supposed to receive the bonus has elapsed. I have called and sent messages to the institution and have not gotten anywhere.
Consumer complaint received 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

Citibank acknowledged after 4 months that I was a victim of Identity Theft but only credited my checking account half of the funds ( $ XXXX {$5000.00} ) that were fraudulently withdrawn. I have filed a XXXX appeal with their Citi XXXX XXXX XXXX ( Citi Reference Number : XXXX ) only to be told that my appeal has been denied to have the remaining {$2500.00} credited back to my account. The special investigator assigned is XXXX ( XXXX Ext # XXXX ) who I found to be very rude and completely unsympathetic to my situation. I have left him several messages but he never returns my phone calls. I am at my wits end trying to get the remaining funds credited back to my account. I am a XXXX  living on a fixed income and being out all of these funds has created a significant financial hardship. I am calling upon the Consumer Financial Protection Bureau to intervene in this matter to facilitate the respective funds to be credited back to my account by Citibank. 

I can be reached at ( XXXX ) XXXX and welcome the opportunity to discuss this matter in greater detail.
Consumer complaint received 2022-08-27
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. (IA)

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX Since filling out loan app I have received a XXXX calls for loans. Issue 3 is this company improperly used my identity by selling or giving it to other companies. 
Next, they say the accept bad or fair credit ; yet I make plenty of money to be able to satisfy the loan and my credit is XXXX on the low side yet would not approve. 
I believe this company is discriminating on me due to my origin and XXXX and where I live. 
All this does not fall under the fairness of the Statues. 
Why is their company asking the XXXX class I associate with as one of their loan questions? I gave them my banking info, social, and all my personal data which they then passed to other loan pyramid schemes. Please be wise and cautious when filling out discriminatory and bias loan applications if you are minority This should be outlawed for good
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (FL)

I have found that Discover has been charging me interest from 2 different time periods. Neither of these times is a Cash advance. 

They charge interest on the whole balance for XX/XX/XXXX to XX/XX/XXXX Then a different interest rate from XX/XX/XXXX again on the whole amount. 

Now during the first time period didn't I pay the interest that was due for that time, on the balance then? Why is it still being charged? They are able to collect past interest rates on today 's balance? 

How can I be charged interest from then on today 's money? Plus interest on today 's money as well? 
I have sent emails asking them to explain this but they did not respond at all.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

I was scammed 3 transactions for tickets which were not given The date was XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried contacting chase but they did not help me. They told me that they cant do anything since the money is already delivered. 

They should have atleast told me since this was a new account and could have warned me about it
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-07-30
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. (NY)

Citi Card Advantage mastercard kept e-mailing me that I was past due. I called the 800 number, and the number was based in the XXXX. Call kept dropping. I then sent a letter to CEO of the bank that issued the card. He sent me an e-mail with a number to call. I sent the payment on time in XXXX. 
I spoke with a woman by the name of XXXX. She told me she would call me back in a week. She never called me. I called yesterday, XX/XX/2020. Citibank did receive the check. XXXX claimed the check arrived Sunday XXXX. So that would make it five weeks. She blamed the post office. I asked her if she had the envelope ; XXXX said no. I spent 25 hours on this dispute. XXXX could care less. She said it was not a bank error. I do not agree. 
XXXX
Consumer complaint received 2022-08-27
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: AUTOMOBILE ACCEPTANCE CORPORATION (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-08-16
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: AMERICAN EXPRESS COMPANY (CA)

I booked a hotel room on XX/XX/XXXX of 2021 for XXXXe night with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX  via XXXX. The reservation was for {$660.00}. I cancelled within the time period of free cancellation and received an email that my cancellation was processed and that i would be receiving a refund within 14 business days. I never received my refund, i attempted to call XXXXXXXX XXXX and XXXX on multiple occasions before submitting a dispute with American Express, XXXXXXXX XXXX  said XXXX never cancelled my reservation, even though they sent me an email that they did and I never received a call back from XXXX. I opened a dispute with American Express and submitted proof of cancellation and received provisional credit because they are still waiting for a response from the merchant. I am concerned because XXXX 's will say that it was never cancelled but i have email confirmation and submitted that to American Express! The free cancellation should be enough to close the investigation. I revoked authorization, I need my money back.