davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Alliant Capital Management LLC (CA)

The debt collector called me for the first time yesterday at XXXX and left me a voicemail. I didnt answer my phone because I was at work. About XXXX minutes later, they call my employer. They didnt even give me a chance to return the call before calling my employer and harassing me at work. I never gave them permission to contact me at work.
Consumer complaint received 2020-02-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I purchased a car and financed with the Nissan Corporation. commencing on XX/XX/XXXX with an original maturity date of XX/XX/XXXX. At the start of my car loan in XXXX I ran into some unexpected money issues. I called Nissan Corporation to look into a payment extension. I was informed that yes this was available and that the loan would be extended and the payment would be paid at the end of the loan term. Which meant extending the maturity date.During the life of the loan I took advantage of the payment deferment 2 more times for a total of 3 extensions. Moving my loan form an original end date of XX/XX/XXXX to XX/XX/XXXX. To my surprise at the end of the loan I was hit with a {$1000.00} accumulated interest for those payments. I don't ever remember being told this would happen and would have definitely opted to make late payments on the loan rather than incur large amounts of interest over the life of the loan. I did received letters ea time the payments were deferred and I don't recall seeing anything about the extra account that would be set up somewhere I could not see or access. They have double dipped on the interest. The money was not removed off the account it was simply moved and extended the life of the loan which means they were already collecting interest on the loan amount, and the extra extension time. It was never made clear that there was a separate account collecting and growing in funds. My statement and online account always showed a depreciating amount. I was taken advantage of and could have easily made other arrangements, or made extra payments when I was able to, and I would have not proceeded to extend the loan 2 more times had I been properly informed.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-03
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. (FL)

I did not Authorize or benefit From the accounts shown on my credit report please delete and restore my credit to reflect XXXX XXXX XXXX thank you if not I would like to see all written agreements for each account and how the process was verified with each outlined account shown backed by law.
Consumer complaint received 2019-07-18
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: AES/PHEAA (OH)

My Fed Loan reporting says " 90 days past due '' in XXXX. I am currently enrolled in college. I have been in deferment and the reporting is wrong. This killed my credit score and I want help with getting fixed. I have already spoke to Fed Loan and they are the ones that initiated this dispute. They are in an agreement that this reporting is not accurate. Please help in getting this fixed. I graduate in 2020, so my loans are deferred until after graduation. Thank you and I hope this gets fixed and resolved ASAP.
Consumer complaint received 2022-05-19
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. (FL)

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

15 U.S.C 1681 Section A. Stated I have the right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish and account without my written instructions.
Consumer complaint received 2022-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (TX)

This is inaccurate there is a listing on my personal credit file stating I have a Macy's/DSNB charged off account which I haven't done business with Macys in 8 years. Please help
Consumer complaint received 2022-05-19
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. (NY)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-03
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. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

2 cards of chase from XXXX XXXX XXXX card were stolen in XXXX. I called chase As soon as I saw the charges reported on card. Chase stated that I authorized the purchases. I did not authorize any of the charges. I called chase fir the last 4 months. My card was used my someone else. Chase has not reversed the charges
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

Best Buy Citi Credit Card - Misleading Promotional Balance Transfer XX/XX/XXXX - I checked my statement and noticed I had been charged interest on a balance transfer that I thought was 0 % interest with a 5 % fee until XX/XX/XXXX. 

I called the customer service line XXXX and was told that I signed up for a balance transfer that was 4.99 % and 5 % fee on said balance transfer that ended XX/XX/XXXX. 

I requested that they honor the initial balance transfer that I thought I was sending a check in for which was 0 % until XX/XX/XXXX. 

The advertisement was misleading because the top two checks offered a promotional balance transfer of 0 % until XX/XX/XXXX. So without looking I assumed the 3rd one was just the same. 

After speaking with three different customer service representatives they all told me that they aren't allowed to do anything. 

Then I requested that they hault my payments for a couple months and they refused to do that as well. 

I find this misleading and scam like behavior for the following reasons : XXXX. I truly thought all 3 checks were for 0 % until XX/XX/XXXX. 
XXXX. As soon as I noticed interest was being charged on a balance transfer I already paid for I called to rectify it. 
XXXX. Why would anyone get a balance transfer that they have to pay interest on and a transfer fee? 
XXXX. The fact the top two checks are available for 0 % and the 3rd one was the 4.99 % and an additional 5 % fee for balance transfer seems intended to intentionally confuse the consumer XXXX. The document doesn't specify if the 4.99 % is on new transactions or on the balance transfer. Even if I did think I was using the second offer no where does it say it will be 4.99 % on the balance transfer itself just transactions. 

So in the end my balance transfer was {$550.00} and now I'm paying interest on top of that. The fact that I owned up to my mistake but they still refused to help and charging me unnecessary interest seems unethical. It should be unlawful to charge additional interest on balance transfers that already charge a 5 % fee.
Consumer complaint received 2022-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

We bought our home XX/XX/2019 3 months after buying our home we had a chimney fire attic fire It's Been 2 years now and we're still not back in our home and we've been in forbearance we were in forbearance and forbearance was over we filed for last mitigation application they've lost our paperwork numerous times they switched processors for us and then that that didn't follow through and then now our house is being up for foreclosure because they keep putting us with different people different paperwork and I've submitted three different applications I've tried to get them to help me in any way possible I've had to hire an attorney to find the contractor who took off with our money for the insurance so the mortgage company won't help the insurance company won't help and now as of the end of this month we have nowhere to live and I'm still trying to work out the mortgage payment So eventually we'll have a home and I'm so frustrated I don't know what else to do with XXXX Every every time you talk to somebody there or somebody different you can never get a hold of the manager you can never get a hold of your person who's supposed to be your contact person they won't give you a phone number for him I'm just I'm beyond knowing what else to do and they don't help us and I'm so afraid we're going to forclose on us. They said they sent a loan modification that we were approved of at the end of XXXX and that we XXXX XXXX  for a living so we weren't home when the paperwork came so the post office sent it back and then I asked him to resend it again and then they said they took the loan modification away from us because the house was vacant which I know it's vacant because we can't live there because it's not livable yet. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This XXXX XXXX account # XXXX or account # XXXX has been paid-in-full. XXXX XXXX was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2022-08-31
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. (MT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-12
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. (FL)

I requted equifax to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from equifax XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had an issue with the Capital One Credit Card website and a payment did not go through for XX/XX/2018. I was told on a recorded call that I was ok and that it would not go on my credit report. I was in effect lied to because on other calls I was told it would but then I was told it would be taken off if I filed a formal dispute, which I've done. But my credit report still shows a missing payment for XXXX of 2018. I need it corrected immediately so I can get a new car.
Consumer complaint received 2023-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Advised this agency they are collecting on a debt that is not mine. They refuse to provide valid statements, any signed paperwork, and threatened my credit by advising me they wont sue me but will damage my credit. They also do not have a valid California debt collectors license and would not provide me a number.

I sent a written request that was excepted by a lady but the last name is XXXX. They sent me back a letter just saying that I owe them money and that they dont have a license and its pending and threatened my credit bureau XXXX Theyre in violation of FDCPA.
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (OH)

Hello, I received a letter from Pro Collect Incorporated, with a settlement offer for 50 % of the original debt amount. I called because I wanted to pay the settlement amount of {$550.00}. The original balance is {$1100.00}. The settlement offer was good if received by XXXX When I called to make the payment, the representative indicated they would add an additional {$8.00} to the settlement balance. I indicated that this amount was not indicated on the settlement offer. ( If I had not called and just sent in a check for the amount {$550.00}, there would still be a balance on the account of {$8.00} ) I indicated to two representatives that the settlement letter only indicated {$550.00} due and that they would send a deletion to the Credit Bureaus, one of the representatives stated that I would have to send the letter to the XXXX to have the deletion completed. I indicated to the representatives that the letter is indicating verbiage differently. The supervisor said she wasn't going to argue with me and hung up the phone. I would like CFPB to look into this company for sending a settlement letter with one amount however trying to collect an additional amounts not indicated on the letter. Also, for including on the letter that they would delete the account from the XXXX, but when i called, I am being told it is my responsibility to do so. Thank you in advance.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (CA)

In XXXX of XXXX, I requested a forbearance on my mortgage with LoanCare and at the time I was 30 days past due. I made the past due payment in XXXX, but my credit report shows I was 30 days past due until XX/XX/XXXX ( See attached image ). Every time you call LoanCare you hear the forbearance recording and in that recording it states that " if you are able to bring your account current during the forbearance plan, we will report it as current ''. ( Part of recording is attached. ) When I talked to the LoanCare representative and told her what the recording said, she stated in was miss leading and what it mean, was if you had a missing payment and paid it and the forbearance payments then your account would be current. 

Also, when I tried to log in to my account to get a payment statement to attached, I could not, even though my username and password were correct. When I called them, there were XXXX callers ahead of me in the queue. Unacceptable!
Consumer complaint received 2021-10-29
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. (NJ)

This matter was already resolved after my complaint with cfpb then XXXX added the incorrect information back on my credit report. 

XXXX a.k.a. XXXX Bank falsely reported two late payments. The payment in XXXX was NEVER late. 

I paid two payments in XXXX, one prior to my due date and the second to pay off the balance in full.

Also, it stays the payment status was over 30 to -59 days late. Completely FALSE statement.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (MO)

On XX/XX/2022 someone used my information to open a checking account with Truist Bank. I received numerous letters in the mail from Truist. Someone tried depositing {$4900.00} into said account, which ended up being a fraudulent check. I received a letter dated XX/XX/2022 with a copy of the fraudulent check. I tried several times to get ahold of this Truist bank, whom I've never heard of before, to let them know I didnt open an account. I was finally able to get ahold of someone to inform them by the end of XXXX. I was informed by the person I talked to that they would send the claim to the fraud department. 2 to 3 weeks later I received a voice message from a man at Truist bank, in the fraud department, that he was working on it and that he would send me a letter in the mail about what they found. I have yet to receive said letter. And have gotten calls/voice messages about debit collections.
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

The company Midwest Recovery Systems has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine as I have not signed a contract with them. This account is fraudulent and was made without my consent. I tried to explain to this company that this doesn't belong to me. They have sent no verification of debt or a right to dispute the debt before reporting on my credit. This is the only thing on my credit profile that's holding me up and it's not my responsibility. This company is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ON MY CREDIT REPORTS THERE ARE 3 FRAUDULENT ACCOUNTS SHOWING I CONTACTED THE CREDIT BUREAU ABOUT THE FRAUD, I WAS ADVISED TO DISPUTE THE ACCOUNTS ON XX/XX/2017 I DID THE FRAUDULENT ACCOUNTS ARE STILL THERE. I GAVE NO ONE CONSENT TO USE MY PERSONAL INFORMATION.