davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (CA)

CBNA Potentially Negative potentially negative icon show account button Account NameCBNA Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$250.00} Highest Balance {$580.00} Terms NA Payment History LEGEND3030 Days Past DueCLSClosed XX/XX/XXXX Reported annual fee past due. Negative credit in XX/XX/XXXX. 
Called CBNA to report deceptive practice from Best Buy Sales Person and cancelled card. 

Was buying TV and sales person said TV would be a little cheaper by signing up with Best Buy Card. I asked specifically if there was an annual fee because I don't do cards with annual fees. They told me there was not. So signed up for card. Bought TV with reduced priced. 
Paid bill for TV. Then just put the card out of my mind because I hardly ever go to Best Buy. 

Found out I had a negative score in XX/XX/XXXX. Called the credit card company. Found out I had the negative score because of a missed annual fee payment. I then told them my story and told them to cancel the card because I was lied to and that I believed my negative score should be struck because the reason I had the missed payment was because I didn't even know I had an annual fee. I never bothered with paying attention to the Best Buy card after I paid off the TV. 

The sales person at Best Buy flat out lied to me. So I still strongly believe that that negative hit on my credit report should be removed because of deceptive practices conducted by Best Buy employee.
Consumer complaint received 2022-07-25
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-09
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. (PA)

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/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2022-03-09
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you
Consumer complaint received 2018-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

In 2017, I submitted a request to have my loan payment reduced. My payment before processing my income driven payment was {$300.00}. Once they completed my request they increased my payment to {$360.00}. The application clearly state in so many terms that if the change does not benefit me they would not change my payment. This is just an example of my experience dealing with Nelnet, they do not have the customer 's best interest at heart. 

When I tried calling back to discuss this with various people, I was told so many different answers, I do not trust them. I called so many times different dates last year. When I did speak with a supervisor, they could not justify why my payment was increased. I just found out how to file a complaint the reason for the delay. Nelnet need to be held accountable for their unfair business practices.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MA)

I keep paying my credit card balance and they take my money from my bank but then they don't apply it to the available balance. My current balance will say zero but they wont let me use the card because they put my card on hold for 15 days after the payment goes through. I'd pay with my bank account. I've never been late. According to one of the phone calls I made in XX/XX/2021, the Target representative said that I'd made to many payments ( I believe it was 4 or 5 ) in XX/XX/2021. I thought this was strange as all 4 payments had come from my checking account and cleared with no problem. Before the first phone call, the first thing I did to try and messaging to resolve my payment and updating my available balance issues. The first interaction with Target reps I inquired why my current balance was adjusted properly but my available balance still showed no change after paying and verifying with my bank that the funds had been removed from my account. The next two billing cycles XXXX and XXXX I tried messaging them to resolve the same issue no available balance after having paid them and funds being removed from my account. They refused to update my available balance and were no specific in why. I believe the first time I tried to call was in XX/XX/2021. I tried calling and speaking in person with a rep and was told several non specific reasons why my available balance wasn't adjusted after I'd made payment, but was unable to resolve the issue. I tried calling again in XXXX and they said I'd made too many payments in one billing cycle back in XXXX, so I started making one large payment, paying in full the balance on each subsequent billing cycle but they still didn't apply my payment each time and refused to do so when I called or inquired why. Finally, in XXXX and months after I'd made to many payments they told me my account was on hold for suspected fraudulent payments. I asked for the policy that supports such actions against my account and they said they did not have it in writing that it was a discretionary security protocol decision made by a supervisor. I've never bounced a check, cancelled a payment to them. It comes from my bank account the same way every time. They've done this to me know for four billing cycles in a row.
Consumer complaint received 2022-03-09
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. (PA)

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 Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-05
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OPORTUN FINANCIAL CORPORATION (CA)

I have contacted Collection Manager Mr.XXXX XXXX and he refuses to answer my calls as his reps stated a couple of times that he is not available and will not have a affordable monthly payments of {$70.00} @ month is what l can afford to pay my personal loan with Oportun. 

I can pay only {$70.00} @ month until loan debt of {$4500.00} is paid off. 
I can call Oportun each month and pay the {$70.00}. 

It appears that Oportun wants to violate my XXXX XXXX Civil Rights Act under Department of Justice and ruin my credit and send derogatory remarks to XXXX, XXXX  and XXXX  credit report Agencies. 
I am willing and able to pay a monthly payment plan of {$70.00} @ month to pay loan debt. 
I am respectfully XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

The consistent timeliness of my payments for this account contrasts starkly with the distress I feel upon seeing an inaccurate late payment entry. Maintaining a record of punctuality has been my steadfast commitment, and this discrepancy weighs heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2022 I was charged an overage fee, my account was low but not overdrawn. This however put my account into being overdrawn. I put money into the account on XX/XX/XXXX. I sent a message to Suntrust online account support and was told due to delays it would take 24-48 hours until I heard from anybody. Spoiler alert, I never did hear from them. My account was then hit with a 2nd overage fee, which wouldn't have happened if they corrected their error in the first place. Today I have been on the phone and on hold with them and the agreed that my account had not gone over balance that they would do a 1 time COURTESY refund. I told him that's not acceptable that their creative math is what caused the overage in the first place. It is predatory to charge someone an overage fee when their account is not overdrawn. After notifying " XXXX '' that I was recording our conversation and had my banking info that shows I did not go over I had to wait another length of time for a supervisor XXXX. After a lot of back an forth it seems that the money will be back in my account Tuesday if I have no more overages due to this. It is unfair for financial institutions to treat people this way.
Consumer complaint received 2022-03-09
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. (NY)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. List of accounts to be deleted XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand these accounts be deleted from my consumer report.
Consumer complaint received 2021-12-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Greenlink Financial, LLC (TX)

Was sent an unsolicited mailer for a loan for debt consolidation, I contacted the company for the " pre-approved loan '' on XX/XX/2019 and when contacted the " pre-approved loan '' was denied due to income to debt ration ( this was a debt consolidation loan ) then they immediately tried to sell me on a debt relief program from their " parent company '' XXXX XXXX. When I asked for the terms to be sent to me for review " XXXX '' the " Director of Underwriiting ''  said they do not do that. Now I am no lawyer but if you are asking someone to enter into a contract, which this is, you are REQUIRED to provide written documentation, ie terms of service, terms of contract ETC.. When I asked XXXX, his response was along the lines you either listen and agree to them or we dont do business. Now if this is a financial contract those terms MUST be  made available in writing for my review and the review of legal counsel if I so choose. Yet that was denied to me due to the fact their " policy '' doesnt allow it. 

Also I am curious as to how they new my payment amounts and current debt level BEFORE I contacted them as seen on the unsolicited mailer they sent.. To my understanding that information is not public and if sold to them or pulled by them with out my permission is illegal as well.
Consumer complaint received 2022-03-09
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)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. List of accounts to be deleted XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I requested a packet for modification on XX/XX/XXXX. I received the packet today. I completed the XXXX. On Monday XX/XX/XXXX I requested a copy of a demand/foreclosure letter Ocwen 's representative stated they mailed to the wrong address. I wanted this letter to request money out of my 401k to help with a payment plan. I was told on Monday it will be emailed to me. I have n't received it. I submitted RMA packet to Ocwen XX/XX/XXXX for a modification here is what I submitted.
Consumer complaint received 2022-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (TX)

I received a letter on XX/XX/XXXX from Diaz & Associates stating I owe a XXXX XXXX XXXX an amount of XXXX but were willing to settle the account for XXXX and that I should submit the payment no later than XX/XX/XXXX. Ive never heard of no XXXX XXXX XXXX and every time I try to contact that Diaz & Associates it tells me they are not available at the time. Im on top of my credit and I have not defaulted in any payments but today I checked my credit and this company had the audacity to file a collection on XX/XX/XXXX and I received this letter after XX/XX/XXXX.
Consumer complaint received 2019-03-30
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. (VA)

Today is XX/XX/2019. My name is XXXX XXXX, Address:XXXX XXXX XXXX. XXXX XXXX VA XXXX. 
I attempted various times to solicit my free annual credit report through the web site hosted by the 3 big repository data collection agency specifically TransUnion because and have found their system is constantly down. They ( the three credit bureaus make a lot amount of money from collecting my and other consumer information and can't do something as simple as maintaining a functional website which is unacceptable and Congress should do something about this. I am allowed 1 free credit check report per year and I have used the other 2 within the past year and Transunion report will not allow me to log in and get my report.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (CA)

On XX/XX/XXXX I received a solicitation for Freedom Debt Relief, XXXX XXXX who represented himself as a loan officer for the company. After several very long phones calls on how the program worked and after I asked all the right questions, specifically if I would have to pay taxes on the forgiven debt, I decided to proceed with the company. Then I realized that I had been lied to and the program misrepresented to me only after I was too deep into the program to get out. Here are the misrepresentations Mr. XXXX told me. 

1 ) Would I have to pay taxes on the forgiven debt? I asked this question numerous times.

His response - " I have been doing this for 15 years and no one has ever gotten a 1099 for forgiven debt. He even told me that if anyone at the company or in the welcome call says I may have to, to just ignore it as that is just basic info they have to say and that it is not correct. You will not receive 1099s '' 2 ) Will my accounts go into collection? His response " no, we will have your accounts settles in 2 months, if you get a collection notice let me know and I can stop it ''.

3 ) How long does it take to settle the debt? his response " 2-3 months '' All three " recorded ''  responses are misrepresentations of the program and now I have $ 30K plus in unexpected 1099C income. 

When I I got a collection notice on XXXX XXXX I emailed it to Mr. XXXX and he responded " everything is in working order, all that will be removed, there is no need to worry ''. The only response I got was from their customer service department that said they can't do anything about it. 

When I gave the company a poor rating on their survey I got a call from and email from XXXX XXXX in their consumer affairs department on XX/XX/XXXX. I described what happened and she said she would listen to the recorded conversations. She called me back a few days later and said the conversations that I said had happened were confirmed and that she had called and talked to Mr. XXXX XXXX Manager about the misrepresentation. But that was it. When I got the unexpected 1099C last month I emailed Mr. XXXX and copied Ms. XXXX only to find out that Mr. XXXX no longer works there and Ms. XXXX never responded to my email. I have asked for the name of the president of the company several times with no response. 

Unfortunately it is what it is, I have to pay taxes on that forgiven debt but at the very least they should refund me the over {$11000.00} in fees I paid, which I requested in my email that failed to receive a response. I am an intelligent woman and I know I asked all the right questions, but when a company representative out right lies to you what are you suppose to do with that information? 

I respectfully ask that you research and investigate this company and it's practices. 

Thank you
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-07-31
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. (TX)

There is an account on my Experian credit report that is to old and should be removed from my credit report. This account is affecting my credit. Please help. The account in question is from XXXX XXXX.
Consumer complaint received 2021-03-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: BTH Management (AL)

Plaza Services of XXXX XXXX XXXX XXXX XXXX XXXX phone # XXXX I do not have an account with this company. Plaza Services have been sending me collection notices in the amount of $ XXXXThe collection has been reported as a past due balance. I do not owe this company. I have never done business with this company. This company does not have a contract with my signature on it.
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON MY XXXX  XXXX, XXXX XXXX, XXXX XXXX, AND XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.