davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

I have noticed the company ( One Main Financial ) has been applying frivolous interest fees not disclosed to me initially, also they refused to provide me with contract signed accepting such impossible interest terms. 
I've stop payments to this lender as on today 's date due to their lack of response to provide me with contract signed. 

Hard copy of contract was never explained neither given nor delivered.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (LA)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (MD)

I had a a trust account for my mother XXXX XXXX XXXX testamentary trust. 
The account has been active and open with SunTrust. XX/XX/2021 a statement was sent to me showing the following, which is attached. The statement is showing on XX/XX/2021 a withdraw of XXXX was made, and the account was closed. 
I never closed this account nor did I make any withdraws. 

I contacted sun trust/truit bank to ask about this account XX/XX/XXXX and they have no records of an account being closed nor open. They only have a profile for me. There no proof there was an account. Although I have the statements to show there was an account. They told me to call a local branch, and have them look. I called and they informed they don't see anything either. I went to the bank in person XX/XX/XXXX for them to tell me the same thing. On XX/XX/XXXX i proceeded to get the police involved and they made a report and are doing further investigation. No one knows where this account is or what happened.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I recently came into financial hardship back in XXXX of 2023 and was having a hard time keeping up with payments. I took it upon myself to try to work with my creditor ( Capital One ) and asked if there was any hardship program options available to catch up in payments. I was offered lower payments for XXXX months in order to catch up without any late fees. However I recently got an alert that my account has been past due XXXX days to the credit bureau all while I have been making the payments to keep my card active and open. I expressed to the company that it was misleading to be on a payment plan and made it seem as though Im making payments towards my credit card minimum but being reported to the credit bureau that Im not making payments at all. I then asked if there was a way to remove the negative remarks and was told that there is no courtesy offer to remove negative remarks made against me although the company mislead me with their payment arrangement. It was then suggested to make the full minimum then be caught up yet still suffer with the negative remarks made on my account with no explanation and accountability of the company. And the worse part of it is that its a business credit card thats being reported on my personal credit which has now been lowered over XXXX points!
Consumer complaint received 2021-11-12
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: AMERICAN HONDA FINANCE CORP (MI)

Our XXXX  XXXX XXXX  Acct # XXXX ( fully paid ) was totaled due an accident. XXXX of MI offered us {$21000.00}, which we agreed and paid from personal account towards new XXXX, financed by Honda Finance ( big mistake ). The only way to get hold of Honda Finance is thru phone, minimum 45 to 1+ hour wait. After trying 4 days finally got hold of customer service representative 15 days ago ; still waiting. 
Please have them overnight the lien release to the following address and email the copy to XXXX. XXXX will accept either, whichever is faster : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
Home Address listed with them : XXXX XXXX  XXXX XXXX XXXX, MI XXXX prefer business address above Sincerely, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (KY)

On XX/XX/XXXX I purchased 2 items on one order and was charged for those items on a XXXX credit card which is serviced by XXXX. The amount was {$500.00}. I was returning the smaller version of the same items and was credited for those items on XXXX. I made a payment in the amount of {$500.00} on XXXX which took into account the return plus the new purchase and I was close to payoff, essentially paid in advance for the new purchase. However, I was charged a second time with a higher charge at delivery date. 

I have learned that XXXX  XXXX  is a third source company. XXXX uses a second company for billing which reports charges to XXXX. I recently opened this card so it's taken time to understand and is confusing. Although XXXX shows the order placed on XX/XX/XXXX, they are not looking at the details as it's the same item but larger size. Ive sent statements and contacted both XXXX  and XXXX and XXXX is still reporting in error, XXXX  will not place on hold as now I have disputed this charge a second time as payment is due XX/XX/XXXX and I should owe nothing. No one is looking at the details supporting my claim because if they did it would show I don't owe XXXX.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (SC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 
XXXX XXXX Balance : {$27.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$25000.00}
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (GA)

The collection agency and the rep holding my account ( XXXX ) refuse to disclose the verification of the debt. I reached out to the original creditor who confirmed that the information on file is incorrect. When I call, the operator says XXXX is away from his desk and no one else can help me with my account. This has been going on since XX/XX/XXXX. My initial contact was XX/XX/XXXX.
Consumer complaint received 2019-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: M3 Financial Services, Inc. (OH)

I bought this car in XXXX. Drove it for probably XXXX miles before it quit running. 14 years go by and never heard a word from this " so called company ''. No letters, no phone calls, no nothing. In XXXX they tried to sue me and garnish my wages. However, they did not succeed.. Now they are back at it again. They sent me a lovely yellow summons stating that " my wages ARE being garnished ''. Please tell me how it is possible to have your wages garnished without even going to court? Without ever being able to have a defense.. Per Virginia Law this Auto loan has past the Statues Of Limitations on collection of this debt. If this loan was a written Contract, they can only try and collect for 5 years. If this loan was a promissory note, they can only try and collect for 6 years. I will vigorously fight this injustice and criminal behavior by this company. This company sold me a lemon. This company has hurt my name and reputation with my company on false pretenses. This company uses scare tactic to try and force people into paying on a debt past the Statue of Limitations. I will not be bullied by this company. I will have my attorney on this ASAP. I have a good case to sue XXXX XXXX XXXX XXXX XXXX for their miscarriage of justice, lies and deformation of my character.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (ID)

I reached out to Experian to get an understanding of why our XXXX XXXX XXXX son received a Your Dispute Results report from Experian, when my husband ( father ) and I don't believe there should have been anything on his credit report to dispute. We wanted information about what Experian had about our son. 
I was unable to reach anyone by phone, so sent a certified letter requesting information, included the report they sent to him, my social security card, my son 's social security card and his birth certificate, my phone, email and address. 
Experian received the letter on XX/XX/2022 and has not responded.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2022-05-18
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: Rocket Mortgage, LLC (IL)

On XX/XX/2022 I was woken up at XXXX XXXX  by a call from XXXX XXXX from Rocket Mortgage company attempting to talk of a current mortgage i have from same company. I was trying to assertain if this was about my current mortgage I have with Rocket or a new refi proposal from the company. She asked me to verify by my date of birth that she had on record and I replied yes to my date of birth. Then she immediately pulled my credit report in which I never gave consent to. 

I then figured out that she was trying to sell me a refi on my exisiting loan that was brokered only two years ago a a low rate and then refused her offer at a higher rate. Never did I give her permission to pull my credit and see what she could do for me. 

I am in process of refing another property and did not want a credit pull on my report. I repeatedly called the company and told them to remove the unauthorized pull and got no results. Finially after 5 phone calls and much grief, I got to speak with someone who said they can check into it. Today XX/XX/2022 got a formal refusal. XXXX told me that because I answered yes to my correct date of birth in trying to assertain what she was trying to talk to me about, that I gave consent, which I never did. 

Since the XX/XX/XXXX, I have been completely harrassed by multiple sales people from this company in trying to refi at a higher rate and bundle in my personal creidt card balances. I told them many times I am not interested in this. This is harrassment. 

I have begged to have the credit pull reversed and they refuse. This is illlegal I believe for them to do this. I am very upset at their trickery practices and poor customer service.
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XX/XX/2019 I made two payments from my checking account to my personal line of credit that is issued by the same financial institution. Two payments : 1 being the regular current due payment of {$200.00}, and the other an additional principle payment of {$100.00}. Both made on the same day one after the other. Both payments had been withdrawn from my checking but only the additional principle payment had posted to the personal loan. I have since called Citizens bank 3 more times to rectify the situation. First was on XX/XX/XXXX, for which I was on the line with the bank for 45 minutes at that time received a confirmation number that the problem would be fixed. 
I consistently checked my account on line and still had not been fixed so I called back on XX/XX/2019 and was assured it would be fixed and I would receive a phone call by Citizens bank the following Tuesday or Wednesday confirming the funds of my regular payment of {$200.00} would hit the personal loan. Still no payment as of Thursday XX/XX/XXXX and now I have received a past due notice in the mail stating I still owe {$42.00} and being charged a late fee. I am on hold with Citizen bank now waiting for a supervisor and have been on hold for 20min. They keep claiming that this is waiting for review from " BACK OFFICE ''. I am not sure why I have to wait for them to post a payment that is clearly seen as being withdrawn from my checking account long before actual payment was due. Both accounts are with the same bank.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on Experian, XXXX and XXXX. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX has violated this law because this late payment reporting on Experian, XXXX and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to Experian, XXXX and XXXX and I didnt give them permission to do so.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions (NC)

Rent recovery solutions company, continues to maliciously, inaccurately, and illegally report this bogus collection to XXXX. See attachment. 

The initial delinquent date is suppose to be XX/XX/2014 and they continue to report it a year later beyond the accurate date!
Consumer complaint received 2022-12-16
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. (OH)

XXXX XXXX is Reporting on My Credit Report with all 3 Bureaus # 1. False Information. Such as partial Account Number I can not look this Account up to See who it Belongs to with just a Few Numbers. # 2 Balance that they state is Owed to Them. # 3. How did they Get My Person Information I did not authorize this I Do not know who XXXX XXXX  Is. I have never had A Account with this Company XXXX XXXX XXXX. Account Number. - XXXX. - {$650.00} balance -and listing XXXX $ asa High Balance stating Factoring Company Account. I Contacted XXXX XXXX XXXX  that they have listed on my Credit Report as a Collection and they stated they are not Collecting for them that they do not have the Debt nor any Debt with my Name. 
XXXX XXXX XXXX Has added A Statement stating FCRA Dispute on my account after they stated it was Verified by the Credit Bureau to be Legal and Verified but would not tell me How or whom it was That they Verified with or how they Verified. I asked for all paperwork Containing to this Debt and it wasnt provided by XXXX or Transunion or XXXX. Why would they post a Balance and a High Balance on My Credit Report before Verifying that with me. Then a Few numbers as a Account Number that I cant look up. That is not Right at All. 
# 1 There is No Account Number for me to Investigate for my Self. # 2. Balance and High Balance listed as {$1000.00}. States XXXX XXXX. Whom states they do not have any information on this Debt. My Credit is Very Important to me and they Have Violated my Rights under FCRA. If I can seek Judgment for Damages I Would like to do So. This has Been Mentally and Physically Exhausting to Research and Again Damaging to my Livelihood and Mental Status
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/XXXX I received an email from venmo stating my account was temp frozen and I need to upload a picture of government issued ID. I was not aware of the email until after i added money in the account which I desperately need because I'm unemployed and now I can't access my money and venmo is failing to give me any information about this, I'm told that the account specialists are handling it bit they can not be reached by phone. I have uploaded my ID as they asked, I called and sent emails with the same response from the customer rep and it's that the account specialists are handling it but they can only be reached through email but I haven't gotten a single response from them. I am literally going hungry because of this.
Consumer complaint received 2022-05-18
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. (OH)

Noticed an account on my credit report that I did not create or apply for. I was notified by state of OHIO previously that my personal information has been breached. I filed a police report. The account IN QUESTION that I did not open was not showing up on my XXXX or other reports at this time. Recently, I noticed the XXXX  account ADRESS XXXX XXXX XXXX XXXX XXXX XXXX, CA PHONE NUMBER XXXX on my XXXX report and immediately notified the Credit reporting agency that this is not my account and I believe it to be a scam and or fraud. The XXXX Credit firm has refused to remove this from my report even after submission of several disputes : ID THEFT PO REPORTS, CFPB COMPLAINTS FILED, FTC ID THEFT REPORTS, and several more phone calls to the Credit bureau. I asked XXXX to provide documentation, signatures, proof and they said that they do not do that AND THAT only there back office has that information.
Consumer complaint received 2019-11-21
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. (MI)

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Consumer complaint received 2019-07-29
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: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX