davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (SC)

Got a Citicard and was not told of the {$95.00} renew fee nor was I told when the promo interest rate expired so I could pay off the card I requested to close the account in XX/XX/2018 VIA US MAIL which is when they billed me {$95.00} for a renew fee and then they kept charging me interest and ignored my request
Consumer complaint received 2018-11-26
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. (MD)

Why is the credit bureaus using foreign customer service reps? I have had to many scams perpetrated on me by people in XXXX. Like having my social security, mobile number and address. Now how can someone in XXXX have that mush personal information about me? I understand now. I'm sure that they are obtaining my information through these companies that they are working for. They sell them to other companies in XXXX and that's how my personal information is known all the way in XXXX. I know there could be other companies that they can get information from but why would some I give my social security number and other information to someone in another country. I don't feel safe calling the credit bureaus for information anymore.
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IN)

I wired {$1000.00} on XX/XX/XXXX through Chase to my brother 's bank in XXXX. It's been 3-5 business days and more. My brother has not received it and already called his bank. I went to Chase and they could not help me. 

This is the second time it happened. Last time I got my money ( {$3000.00} ) refunded after 3 weeks without interest or the wire fee back. 

This time I want that {$1000.00} back and that {$5.00} wire fee. The bank information in XXXX is confirmed and correct. 

This is why people hate Chase and want to use crypto currencies. 

Please return my money.
Consumer complaint received 2018-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Flagstar Bank, N.A. (MI)

I was informed by several people that operate businesses in the same category as mine that Flagstar would be a good choice for my banking needs. XXXX at the XXXX XXXX XXXX XXXX, MI XXXX branch informed us that based on our business, ( which they already have customers who operate and have accounts with the same business ) they would not even entertain the idea of opening a business account for us. They did not want to see financials, credit, or any other information. Once they heard we operated an XXXX servicing business he said " they were no longer taking on any more XXXX companies ''.
Consumer complaint received 2018-11-26
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. (MD)

Why is the credit bureaus using foreign customer service reps? I have had to many scams perpetrated on me by people in XXXX. Like having my social security, mobile number and address. Now how can someone in XXXX have that mush personal information about me? I understand now. I'm sure that they are obtaining my information through these companies that they are working for. They sell them to other companies in XXXX and that's how my personal information is known all the way in XXXX. I know there could be other companies that they can get information from but why would some I give my social security number and other information to someone in another country. I don't feel safe calling the credit bureaus for information anymore.
Consumer complaint received 2018-04-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (IA)

I paid off the loan on a new vehicle 12 months in advance. Ally Financial took one additional payment of {$530.00} out of my direct payment account and has NOT returned it to me in 30 days. I contacted customer service reps. at Ally seven times. I recorded four conversations ( I informed them that I was recording the conversation every time. ) I contacted Ally three additional times by " chat '', and I printed those communications as well. 

I was initially told by Ally that I would receive the refund of my money the week of XX/XX/XXXX. I was told the refund was mailed to me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. It is now XX/XX/XXXX and I still have not received the money Ally took out of my account. 

The vehicle was paid in full on XX/XX/XXXX ... 12 months ahead of when the final payment was due. I have recordings and documented copies of the misleading information I have been given for the last three weeks. 

Why are they allowed to get away with this? Why couldn't they return my money electronically to the same account they took it out of? Why are seven different people confused and not sure of " exactly '' what is happening? 

Another complaint about the TITLE for the vehicle. I actually paid off, in full, two loans years ahead of time. I asked the question ; " ... when will I receive the titles for the two vehicles? '' I was told by three reps. that the titles would be send to the DMV. I asked " ... what DMV? '' No one could answer that question. However, as it turned out, one title WAS sent to the DMV in XXXX, IA. and second title was sent directly to ME! 

How about that? Who really knows what they are doing at Ally? Why would Ally release two vehicle tiles worth {$50000.00} and NOT return a payment amount of only {$530.00} ... what is worth more? It makes no sense that they would delay returning a small amount of money, but have NO problem releasing titles worth many thousands of dollars? The fact is, they DO NOT want to release MONEY. They hold on to the money as long as they want to, without reason or justifiable cause to do so.

This needs to be examined and corrected. Note : Ally should be regulated to " refund '' customer 's money within two weeks or less. They should be forced to " direct deposit '' refunds if they have been paid by " direct payments '', all of my payments were made on time with direct payment terms. Ally should be punished for making " false '' statements and unprofessional conduct and concern for outstanding customers like me.
Consumer complaint received 2020-07-25
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX appears on my reports and I have requested these fraudulent accounts be removed from my reports as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX - balance is showing as {$1700.00}, account partially listed and a limit of {$4000.00} ; no account number listed ; no dates not listed,
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (CA)

Tidewater finance continues to report on XXXX and XXXX incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with XXXX   and XXXX disputes and nothing has been fixed. I have paid Tidewater Finance XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX continues to report on XXXX and Transunion incorrectly. They have reported the amount owed as the same for 8 months at XXXX. I owe them XXXX. They added XXXX on to this account which at this point should be paid off because interest free for 12 months was not explained correctly. They do not apply payments correctly and continue to report incorrectly I have emailed them numerous times on this. I have filed with XXXX   and Transunion disputes and nothing has been fixed. I have paid XXXX XXXX XXXX out of the XXXX owed. Before they added XXXX I had paid them XXXX out of the XXXX then they added on. If all of that was going to be added I would have paid off immediately. I thought the interest would have only been added on the XXXX owed. Account # XXXX. Yet they continue to over and over to say they will look into, yet do nothing, report incorrectly and damage my credit and this is the only account on my credit report that does not report on time has damaged credit and I can never get a straight answer on
Consumer complaint received 2024-02-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I was notified I was delinquent on my mortgage ( missed payments ) in the amount of {$4500.00} the week prior to XXXX. I believed my husband was making payments and was current. I called Carrington Mortgage, but they were closed due to the XXXX holiday. I called the following week and they stated they could do a reinstatement letter, but could not inform me of the amount. They said the letter would arrive within 10-14 business days. The letter arrived via email on XX/XX/XXXX ( dated XX/XX/XXXX ) giving me until XX/XX/XXXX to pay {$8900.00} ( past due mortgage of {$4500.00}, a late payment charge of {$100.00}, Corporate/Expense Advances of {$2300.00}, and Paid Recoverable fee of {$1800.00} ). I had the {$4500.00} missed payments and wanted to immediately send that payment, but was informed they would not take the {$4500.00} and not accept anything less than the full {$8900.00}. I called them on XX/XX/XXXX at XXXX XXXX and spoke with a representative named XXXX XXXX in an attempt to pay the {$4500.00} and negotiate the advanced and corporate fees, I offered {$1500.00} to settle those charges. She explained these were attorney fees and non-negotiable. We asked of the attorney representing Carrington to seek to negotiate fees. We were referred to XXXX XXXX XXXX. We called XXXX XXXX XXXX at XXXX XXXX and spoke with 'XXXX XXXX at extension XXXX. She said that Carrington would be the party to make the decision to negotiate/reduce/settle charges. When we explained to her that Carrington referred us to XXXX the representative reached out to supervision and committed to connect back with us in an hour. We never heard a word back. We did wire, as per Carrington 's directive, the full amount of {$8900.00} to save our home. Since there was no legal action, no advance corporate fees, their unwillingness to take our mortgage payment, their unwillingness to reduce or settle charges, we are respectfully requesting your assistance in getting back the usury charges imposed by Carrington of {$2300.00} and {$1800.00}. Thank you.
Consumer complaint received 2021-12-05
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: Experian Information Solutions Inc. (OK)

I have several accounts illegally reporting information solely on transactions and experiences from Experian and XXXX. According to fcra consumer laws and regulations section 15 U.S.C. 1681b It clearly states a consumer report does not include information solely about transactions and experiences. There is no permissible purpose for this reporting except to damage my reputation. I never consented to this erroneous fraudulent reporting of XXXXXXXX XXXX, upgrade, and XXXX XXXX XXXX.
Consumer complaint received 2021-12-05
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: M&T BANK CORPORATION (MD)

I reach out to all three credit Agency. And I request for this matter to be removed due to the fact I did not authorize it to be on my consumer report and the credit agency to refuse.
Consumer complaint received 2019-03-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (CA)

I owe my XXXX XXXX payment to XXXX XXXX on XXXX. And that payments I have already paid off by me to XXXX XXXX XXXX confirming XXXX as a my debt collecting agency, file # XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX reported on my XXXX  credit bureau on collection of {$6.00}.
Consumer complaint received 2020-07-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, 09 XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX
Consumer complaint received 2018-04-13
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: Experian Information Solutions Inc. (NY)

After a recent pull of my consumer reports, I noticed the furnishing of inaccurate information on accounts damaging my credit score. After I disputed with the credit agency to my surprised it was verified as accurate. However one glance at what is being reported one will notice it is clearly not accurate. Charge off dates do not align, failed to pay on one bureau, paid on time on another.
Consumer complaint received 2018-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (IL)

I went on Wells Fargo 's website on XX/XX/XXXX and paid my student loan. I received a credit monitoring alert saying my payment was 30 days late and my credit report was lowered by nearly 60 points. I called Wells Fargo to see what was going on, they opened an investigation. They called back saying they had no record of the login or payment. I paid last month 's bill and this month 's as soon as I saw what had happened. I asked them as a courtesy to forgive this late payment as I have always paid my bills and I am in the process of getting a home loan and I don't want their error to impact that, they said there was nothing they could do and they see it as my error. I never received a phone call, email or letter informing me that the payment was late so I had no concern that the payment was made. 
I have had this loan through them for almost 8 years and I find it ridiculous that given my situation with the home loan and the fact it was their system error that they would not help me out and rescind the negative mark.
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (GA)

I have a credit card account with chase card services www.chase.com for almost 20 years and I have been paying 5.90 % annual interest rate. I have never missed any payments and I pay a lot more than the minimum payment. I am on social security XXXX now and I use the credit card to buy stuff online and have it delivered to my house for XXXX accommodation. The problem is suddenly .... Chase has sent me an IMPORTANT CHANGES to your account notice ... They are DOUBLING my interest rate to 10.74 % interest per year! They claim that my interest rate is BELOW the LOWEST APRs that they offer on similar accounts. My 5.90 % interest rate is the lowest evidently on these SIMILAR accounts BUT they are saying that 10.74 % interest is what they RECOGNIZE as the lowest APR on these SIMILAR accounts so they can almost unfairly DOUBLE my interest rate with double talk. 

I am already having trouble paying the bill each month. I will have to see a bankruptcy lawyer if they double the interest rate. I am supposed to be entitled to an equal opportunity for credit but they are doubling my interest without any missed payments or problems. I pay by phone or on their website now to make sure I have a receipt for the payment. I started paying online just a couple of months ago and now they are wanting to double my interest rate. Please help me from going into bankruptcy.
Consumer complaint received 2021-12-30
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: Experian Information Solutions 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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX - XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 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 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 2018-11-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX # XXXX