davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (SC)

I foolishly in desperation took a payday loan with an online tribal payday loan company. I borrowed {$500.00} and the interest rate and payments are astronomical. I live in South Carolina where the limit is {$15.00} per {$100.00} borrowed. On a {$500.00} loan I should have to payback {$570.00}. I have mailed my first payment of {$140.00} as I revoked this company 's ability to debit my bank account. My remaining balance should be {$430.00}. The payment of nearly {$300.00} per month is excessive, predatory and pure greed. I will pay {$50.00} every two weeks beginning XX/XX/XXXX until the {$430.00} is paid off. This company calls and emails me endlessly. It's predatory and greedy and takes advantage of individuals who feel they have no options.
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Greetings, I had a HELOC account and recently decided to close it with MUFG Union Bank. 

Upon the closure of the escrow, the bank failed to release the lien on the deed and claimed it will take XXXX days to BEGIN documenting it with the county office. The account was paid in XXXX and the escrow was close on XXXX-2019. 

The banker also failed to disclose the cost upon the closure of the account, resulting a {$480.00} fees at my cost as the borrower. ( As attached computer screenshot ) After several discussion with the bank 's representatives, it is frustrating and unjust to learn that they can only send out a letter stating the account was paid in full and due to a " CLOSE '' which is false statement, since the lien stay on my deed, and the information on their website is highly inaccurate.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

There was a problem with my XXXX account returning payments because they stated that I'm not authorized to use the XXXX account, which I use daily. XXXX payments were returned, and capital one, without notice, labeled it first party fraud and closed the account. They refuse to remedy the situation.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Someone has used my personal information to open 1 loan and 1 credit card under my name which are now reporting on my credit. I do not know who used my information but these accounts are unauthorized and were not opened by me. They must be removed from my Experian, XXXX, and XXXX credit reports! 

The following listed accounts have been opened using my personal information without my authorization : XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$25000.00}
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

My identity was stolen years ago when I lost my wallet in the parking lot of a theater. I took all the steps necessary to alert everyone of what had happened, however, sometime after this happened I began to get debt collection calls from different agencies. But I didnt know what to do about it, and I was able to get along fairy normal after this. Earlier this year, though, I learned how to combat identity theft. I submitted all the paperwork necessary to the bureaus to let then know what had happened with my identity. Most of the fraudulent information has been removed. However, there are still XXXX accounts on my Equifax report that have not been removed. It has now been about XXXX months since I first sent out paperwork to the creditors and to the bureaus, and nothing has been done.
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (RI)

This has now been ongoing for several years. I have made every possible attempt to work this out with National Credit Adjusters, but they continue to lie and report false information. 

Two months ago I desperately paid the debt because Im in the process of buying a home, after they told me they would post the correct dates ( the debt being 7 years old instead of 1 ) if I paid the debt. They also claimed they would immediately post the correct info and report it as paid. So I did. Even though its not even correct, and if the correct dates were posted it would be too old to be on my account regardless. 

Its now been two months. Ive reached out to all credit bureaus and they tell me the new reports just came in and NCA continues to report the debt as 1 year old, and non-paid.
Consumer complaint received 2019-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX gives error message saying " The XXXX website is not currently available at your location. '' XXXX XXXX XXXX XXXX XXXX XXXX. I'm accessing the site from within the US. Incidentally, why would you restrict access to the site for Americans abroad? How would a US citizen living or working abroad ( e.g. military, etc. ) get a copy of his credit report? Only by mail? Most CRAs will not use a foreign address.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 2021-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I XXXX XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.
Consumer complaint received 2021-07-19
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. (ME)

EQUIFAX and XXXX  Continue to List a XXXX Credit Card that was CHARGED OFF 7 Years ago for a Balance Amount that was {$240.00}, Because of FEES ; this was a SECURED {$500.00} Card with XXXX  that I CLOSED and asked that they pay off the Balance with Secured Amount- which they did MONTHS LATER- after Charging Fees, then CHARGED OFF the Account. There was a Balance because I did not receive a REFUND from XXXX when I moved across country. 
In XX/XX/XXXX, XXXX XXXX  STOLE Money from My Savings Account- and sent me a letter " Thank you for your payment '' ; they took funds to " Pay Off '' the Account they had CHARGED OFF Years ago- and NOW is Re-Aged as NEGATIVE ... 
I should not be penalized for 14 years for a SECURED Credit Card that XXXX mishandled. They have their money. 
I have US Mailed, and also Attached the Documentation to Web Disputes on MULTIPLE OCCASIONS- EQUIFAX & XXXX  REFUSE to allow a NEW Dispute- and CONTINUE to Report this Account- NOW Re-Aging and Reporting as " Last Payment '' in XXXX. 
This Account was CHARGED OFF 7 Years ago- and they have the DATES Wrong- and they choose to put 120+ in XXXX of XXXX when the " First Delinquency '' as per XXXX XXXX  at the TIME was XXXX XXXX. AND it was CHARGED OFF in XXXX. 
This is XXXX XXXX  Card ending in XXXX. 
I have a Letter Dated XX/XX/XXXX FROM XXXX- stating that " account not open during requested time period ''. 
XXXX had maintained a {$5.00} Balance in my Savings Account- for Years- and only TOOK the Money for Credit Card AFTER they had applied the SECURED AMOUNT to the Card in XXXX, and AFTER they had Charged FEES, and then AFTER I had added to my Savings Account in XXXX.
Consumer complaint received 2019-09-14
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (OK)

My issue is with Chrysler Capital. 

A little over a year go I needed to purchase a vehicle so that way I could work. At the XXXX XXXX XXXX there was a really nice 2018 XXXX limited edition truck that I was interested in getting so my boyfriend at the time talked to them about it and I filled out the credit application and they called back and told him that we would be able to do it and that the interest rate would be 7 %. So we headed down there to talk about it some more, they seemed very rushed to get me to sign the papers, honestly they were really pushy about the whole thing. So I signed the papers and we left, because they were rushing it and being so pushy about me buy this truck I didnt go over the paperwork in the Dealership, and this was my first time buying a vehicle so I didnt really know what I was doing and they took advantage of that. I was looking over the paperwork when I got home and noticed the interest rate wasnt 7 % like they had told me it was but it was instead 16.28 % and its financed through Chrysler Capital. After I found out how much the interest was we called the dealership and told them we wanted to bring the truck back because I didnt agree to that but they wouldnt take it back. {$41000.00} was they amount financed through them and after i will end up paying {$65000.00} for this vehicle. I have tried to talk to Chrysler Capital about this and they just told me I had to take it up with the dealership. My payments are {$870.00} a month and I can not afford that. I really struggle with making that payment and I have told them that and when I end up being late they call me sometimes 8 times a day and when I do answer and try to tell them whats going on sometimes they have been pretty rude to me about it. It honestly feels like harassment. I lost my job and it took me a couple months to find another one that paid decent then I got kicked out of my house and I had to find a new one so now I have rent and bills and have to buy food and I really struggle with this, its either pay the payment or be homeless and starve and if I pay the payment then I dont have enough money for food or my house and I will be homeless and starve. I have told them this and they wont do anything to help me. If I lose this vehicle then I wont be able to make it to work, its just be all on my own and I think that they have really pretty much screwed me over. I think that the reason they made the interest rate so high is because they were the only ones that agreed to finance my vehicle and they knew that so they knew I didnt have any other option. They did give me one extension for the two months I didnt have a good paying job but that didnt give me any time to be able to catch back up. The stress this has put me under hasnt been good for my health.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (CA)

I paid for an item XXXX XXXX {$79.00} by mistake and cancelled the same day on XX/XX/XXXX for one unit through XXXX with my own checking account, contacted the seller asking refund, they promised that will cancel and refund, instead they charged me for 2 units {$150.00}. Even in their invoice is clearly written - unit 1. After i received an email that the order is processed, not shipped, that's why they can not cancel and refund. Later on XX/XX/XXXX they provided XXXX the tracking number and advised me to reject the shipment and it will go back to their warehouse. First instead of one unit i was charged for 2 units, but in the invoice is written one unit. Usually the shipping companies are leaving the shipment in front of the door and i am unaware about shipment. Tracking the shipment it will arrive today, on XX/XX/XXXX when i am not at home to reject the shipment otherwise i have to pay for return myself. I am almost sure that XXXX will decide this dispute to the sellers favor as soon as it will be shipped today. It will be incorrect decision. on the attached picture is clear the prices. So I need full refund
Consumer complaint received 2022-07-17
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. (FL)

In Accordance with the Fair Credit Reporting Act : XXXX account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Have 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, states a consumer reporting agency can not furnish an account with my written instruction.
Consumer complaint received 2022-03-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 2022-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I have submitted and re-submitted proper paperwork for the Public Service Loan Forgiveness ( PSLF ). I was told all the information has been verified and approved however, no chances have been made to my account since XX/XX/2021.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AL)

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.

I have also sent numerous emails to both the caand XXXX. I discontinued my service in XX/XX/XXXX due to fhronic issues with XXXX  for charging me for cable but it never worked, equipment i couldnt use since servicedid not work andfor charging me rates thatwere not agreed to. Thry illegally chsrged me for three months service st inflated rates after i stopped service. They also promised me full credit for service and equioment fees for the 7 months i chrinically complainedut was forced to pay on threats till i saidenough was enough and i would not pay. They then cut me and i cancelled all services. I had no contract no committment when wegot the services. Ivebern fighting this over ayear now and they keep damaging my credit. I have filed aFGG complaint. They havent responded to my responsesfor infotmation thry requested and are violating oth the FCRA and FDCPA
Consumer complaint received 2022-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MD)

I agreed to 2 settlement offers ( XX/XX/XXXX and XX/XX/XXXX ) that Barclays Card company did not honor. When agreeing to these offers, I asked for documentation to be sent to me for my records which was not done. Representatives are telling me different things every time I call. They are also telling me that my account is locked and they can't provide any information. Even though they are unable to view my account I am still getting statements by email. They also claim that they are unable to pull call recordings for when I made the payment arrangement but pulled the recording when I disputed a charge in XXXX. I put in a claim for both incidents where my settlement agreement was not honored. No one has returned my calls, sent anything in the mail, left me a voicemail nor emailed me. they are also reporting to the credit bureaus about my account with them which is negatively affecting my credit score.
Consumer complaint received 2023-08-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (FL)

In accordance with the fair credit reporting act Affirm, has violated my rights. 15 US 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 my 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 2018-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MI)

Please be advised I XXXX XXXX am demanding an immediate removal of this erroneous debt before I suffer future harm to my credit file. This letter is a demand for validation pursuant to the Michigan Consumer Protection ACT and the FDCPA, made on XXXX XXXX behalf. Your failure to respond may trigger an action for damages brought by an individual consumer against TRANSWORLD SYSTEMS INC for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulate what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information.
Consumer complaint received 2023-08-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Affirm Holdings, Inc (AZ)

XXXX XXXX XXXX try to illegally contact me at my moms property and officer was told on camera when Im being represented with an private attorney that i was already in an ongoing law suit with this creditor for my credit report actions and hardships i had to endure, i was then hit with a law suit to she summons in person when i told the officer i was already being represented by an attorney These people violated the state Arizona law for fdcpa regulations on approaching a debt collection thats been sold to a third party they also threatened to garnish private wages and thats also highly illegal for third party collection agency in Arizona i need this legally dissolved or they need to settle with me any way i can pay a settlement but no more then a couple XXXX due to health expenses
Consumer complaint received 2019-09-13
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: CITIBANK, N.A. (TX)

I settled 5 accounts 2 Citibank 1 XXXX XXXX 1 XXXX XXXX 1 XXXX XXXX I continue to submit information to XXXX online. Along with documents of settlements and payment being received on XX/XX/2019. The if information has not been removed from my credit report. 

Also. The XXXX XXXX Card Account belongs to XXXX. My initials are XXXX.. The has an account in which they sold to XXXX XXXX XXXX. They are saying {$4000.00} was written off & I still owe {$1800.00} the Amount owed continues to increase. I dont understand how this is possible. XXXX XXXX XXXX can not be reached. XXXX removed the account but XXXX is not attempting to investigate even though I provided information.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I signed up for the Capital One XXXXXXXX XXXX card with special intro promo- this included a {$200.00} credit for purchases with XXXX within the first year. 

I DID spend $ XXXX at XXXX within the first year - about XXXX weeks shy of my full year having the card but they never credited me. I called in numerous times and it was reviewed and denied each time. They said that because the annual fee was charged BEFORE I spent at XXXX that I didn't meet the qualifications ... that is NOT what the terms said. The terms said first year and I satisfied that requirement.
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A. (WA)

Recieved a letter from Scheer, Green, & Burke in XXXX, Ohio regarding a debt owed to XXXX XXXX XXXXXXXX XXXX for {$180.00}. This is impossible as I have not lived in XXXX XXXX for XXXX  years. I believe this to be a false claim
Consumer complaint received 2018-10-20
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. (UT)

On XX/XX/XXXX I realized that I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.