davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

My bill with Citibank totaled {$240.00}, due on XX/XX/20. On XX/XX/20, Citibank posted a return to my acct. of {$210.00}. This is 5 days BEFORE my payment was due. I deducted that amount from my bill, because Citibank is XXXX bend on keeping any overpayment FOREVER. I paid {$31.00} which was posted to my account on XX/XX/20. The payment was NOT late, yet I was charged a late fee of {$29.00}. I spoke with XXXX at Citibank, she said no matter what I had to pay the minimum due which was {$35.00} even if it amounted to an overpayment. Citibank refused to reverse the late fee, and in addition added {$3.00} to my bill, the difference between {$31.00}, what I owed and {$35.00}, Citibank 's minimum due for a total of {$32.00}. I do not owe Citibank a dime
Consumer complaint received 2019-05-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (VA)

Company failed to provide proof of validation for alleged debt after several written request to validate. Also, the opening date and amount is reporting inaccurately. Under the law if a company is not able to verify the debt It should be deleted.
Consumer complaint received 2019-05-30
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. (OH)

I request that I request that XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX formally substantiate account data XXXX XXXX XXXX XXXX conferred to the major credit bureaus for me, XXXX XXXX XXXX, with respect to the unverified accounts. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period.
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was fraudulent activity on my checking account on Friday, XX/XX/2019 in which a check was cashed through my account ( {$2300.00} ) and funds bounced, deducting the amount from my account. I've called on that very day to let Bank of America know and to start a claim. There was also small {$88.00} charge from XXXX XXXX ( I live in XXXX XXXX ) so I opened a claim on that charge, assuming they had a copy of my debit card. I was told the department that handles the check fraud was closed that day so I was not able to call until Monday. 

During Monday, another check was bounced from my account, this time for {$2300.00}, in which they did not ask for identification again, even though there was an active claim for fraudulent activity. I called Bank of America that very day, and had to call through 4 or 5 different departments to start these claims and close my account to open a new one. They froze my old account with all the funds in it ( and is still frozen 2 months later ), which were now in the negatives due to the two checks bouncing. 

Now, over 2 months later, the claims department sends me a letter saying that my card and pin were used for identification, yet when I try cashing or withdrawing amounts close to those, multiple identification methods are needed ( Driver 's license or text messages to the phone number on file ). This was not negligence on my part as I called the departments promptly but Bank of America failed to act appropriately. 

Now my funds are still frozen and the negative balance is drained from the new account I opened because Bank of America does not want to acknowledge that they did not ask for proper authentication for these checks, despite there being active fraud claims on my account, which I was not able to close on the day due to the department being closed. The claim is now closed with the funds being drained from my account. The location of the fraud is not located close to the address on the account.
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I've seen no changes for the accounts that I have filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Sometime in XX/XX/XXXX I sent request to TransUnion for investigation of XXXX reporting on my report. TransUnion sent response file no XXXX which says VERIFIED AS ACCURATE. I submitted another dispute on XXXX XXXX. Received confirmation of receipt from postal service XX/XX/XXXX. XXXX dated XX/XX/XXXX received from TransUnion stating request received with my information such as drivers license and ssn card but it wasnt sent from me or an authorized third party. They didn't process. I called on XX/XX/XXXX to tell them I a natural person did send letter. Spoke with XXXX who identify self as Supervisor. After verifying it was indeed a real person, she proceeded to get me to give dispute details to process over phone or direct me to upload on website. She stated did not have 2nd request to remove unverified account. This document that was sent a few weeks ago but not in their possession. How should we believe they handle any consumers file properly. This is a violation of Fair Credit Debt Practicing Act. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they MUST remove said information from the consumer file.

The U.S. Bankruptcy courts in this case would in fact be the ORIGINAL CREDITOR. A The bankruptcy courts respond back with a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

Third party XXXX XXXX has provided documentation that it could not validate this public record information. As it is the credit reporting agencies, and or other third-party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the XXXX XXXX system due to the XXXX XXXX XXXX XXXX PRIVACY LAW. 

TransUnion is BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are violating 15 1681b ( a ) ( 2 ) considering you do not have my consent to furnish any information.

Per 15 USC 1681c ( a ) bankruptcy information is excluded from the consumers report. 

TransUnion fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family
Consumer complaint received 2019-05-30
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: EQUIFAX, INC. (TX)

Equifax and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX XXXX  on the XXXX XXXX   XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MO)

PNC bank held funds from my account on XX/XX/XXXX for a check dated XX/XX/XXXX. Spoke to two separate representatives who stated the check will not be paid until XX/XX/XXXX but there is nothing they can do currently to make funds available. As a result, I had to miss work and was charged an overdraft fee.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Mercedes Benz Financial Services (LA)

Dear Sir / Madam, I am giving you chronologically my complaints. 

1. I bought a brand new XXXX XXXXXXXX XXXX XXXX SUV from XXXX XXXX XXXX  XXXX XXXX in XXXX. The Title is attached. 

2. In XXXX of XXXX, I noticed paint peeling off from different areas of the vehicle and I e-mailed XXXX XXXX of the dealership. The email is attached along with responses dated XX/XX/XXXX. 

3. A lady from the dealership called me a few days later and said that the situation was not in their hands and the decision to correct the fault would lie with Mercedes Benz Head Office in New Jersey. 

4. I waited for over 4 months for a response. I had to get a tire replaced at XXXX XXXX XXXX XXXX and the Sales Consultant saw my car and remarked that lots of these " scarlet red " SUV 's were having the same problem. 

5. I contacted XXXX XXXX XXXX XXXX again, spoke to XXXX and sent her quite a few pictures of the affected areas. She advised me that her Service Manager would respond to me. 

6. After a few days, she said that her Service Manager requested me to contact the Head Office as they could not help me. 

7. Thereafter I wrote an email to the Executive Referral Manager - XXXX - On XX/XX/XXXX. XXXX. The email is attached. 

8. On XX/XX/XXXX. XXXX XXXX, the Manager of the XXXX XXXX Repair facility on XXXX XXXX, XXXX, Louisiana called me over the phone and requested that I bring the vehicle to his workshop so that he could inspect it. 

9. He inspected the vehicle, took pictures of the vehicle and made me sign a form. Verbally, he confirmed to me that he would start working on my car around the first week of XXXX and it would take about three weeks to complete. He also said that they are correcting the defects of this particular model and car color one every month. 

10. On XX/XX/XXXX. I called the Repair facility at XXXX XXXX. I gave her my details and she advised me that they did not have the approval to re-do my car and that they could not not tell when it would be repainted and speculated perhaps in XXXX / XXXX of XXXX. I was quite disappointed. 

11. On the very same day, I wrote an email to " XXXX " and the email is attached. I advised him that if I did not hear back from him, I would have the option to contact any entity to correct this fault. The email is attached. 

Attachments : 1. Title. 
2. 3 Emails 3. Photographs of the vehicle.
Consumer complaint received 2019-05-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC (TX)

So today on XX/XX/2019 I received three phone calls from XXXX. The first call came in at XXXX however, I did not answer it because I was nor familiar with the number. Then I receicved a call around XXXX so I thought to myself let me answer this because when I received the first call I never received a message. I answered the call and I could barely hear what the lady was saying, then she asked me to verify my address and etc and I told her no. This was because she called me and I was unclear where she was calling from. She then said I told you who I am..I 'm so  and so with Flagship. So I told her again that she called me and that I was not giving her my information and that I would call them back directly to verify who I was so started saying so you'r not going to verify your information..Needless to say I hung up in her and headed back into work. Then I received another call from the same number at XXXX. I did not answer this call but I was thinking I already told the lady I woud call back.
Consumer complaint received 2019-06-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

Experian has a false amount tied to how much is owed on my mortgage company? I called my mortgage and the Customer Service Manager stated, : no one at the mortgage company busted up how much you owe, and our records show {$160000.00}. Experian has {$170000.00}, which is inaccurate. Please have them fix my report. 

Experian also have some collections on my account I do not know of or should have been removed. Items on my credit report has been on my record over 10 years. 

Not one item on my XXXX  report are accurate. All collection accounts have been paid and the agency stating removing them however they just blow me off and drop my credit score by XXXX points and then XXXX points there after. 

XXXX  have wrong information as well with collection actions, and incorrect amount om my mortgage company as well. This also dropped credit score by XXXX points and XXXX points. 

I have not missed payment with any creditor in the last 12 months. 

These companies are added fraudulent information to my credit report and stating it is the company. Not true it's them. My Experian score is tied to XXXX, and XXXX on my membership with Experian. I am been discriminated against these agencies to prevent me to get back on check to obtaining a very good credit score.
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I've seen no changes for the accounts that I have filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2019-05-30
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (OH)

Received first correspondence from Ad Astra Recovery Services , Inc. dated XX/XX/2019. Letter had 3 different addresses. 
1. Return address was XXXX. XXXX XXXX XXXX. XXXX, XXXX, AL XXXX 2. Address in right upper corner of letter was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, telephone XXXX, fax XXXX 3. Address on payment coupon was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, KS XXXX It was not specified which address to send to for debt validation. Sent debt validation certified letter to second address on XX/XX/2019.  So far has not been received. 

Received second correspondence from Ad Astra Recovery Services , Inc. dated XX/XX/2019 stated they had previously sent me a letter and that this communication did not affect my FDCPA rights. This letter had 2 different addresses. Again sent a certified letter to the XXXX XXXX address requesting debt validation on XX/XX/2019. So far has not been received. 

On XX/XX/2019 called and asked what address to send for debt validation and was told to send to the second address, XXXX XXXX XXXX XXXX XXXX, etc. I could barely hear the person I was speaking to because of loud background noise. From what I understood the XXXX XXXX address is the office for the agents and the XXXX XXXX XXXX address is for payments and correspondence. Again letters are deceptive in this regard in an attempt to deny the consumer 's right to dispute the debt by asking for validation. 

No where on either of these letters does it specify which address to send correspondence. I feel that this is misleading and confusing and is an attempt to thwart attempts for the consumer to ask for debt validation. It gives the typical FDCPA statement saying one may dispute the debt by writing the office within 30 days. Again with the 2 different addresses it does not specify which office. Also the first letter was dated XX/XX/2019. I received it later than that. Therefore I had at least until XX/XX/2019 to send my dispute letter. By XX/XX/2019 they are already sending second correspondence without giving me my 30 days to send a dispute letter. The second correspondence had no such FDCPA statement. 

Now I have to spend money on a third certified letter to the supposed correct address for debt validation letters.
Consumer complaint received 2023-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (AL)

In XX/XX/XXXX, Ollo Card / Ally suddenly and randomly charged me a {$39.00} annual fee, which when I signed up for my Ollo Rewards Card with Ollo the terms clearly stated No Annual Fee. After I reported this to Ollo as well as her to the CFPB, Ollo Card / Ally reversed/refunded the {$39.00} annual fee, but I was also charged a late fee of {$29.00} on the same day XX/XX/XXXX / XX/XX/XXXX as the now reversed/refunded {$39.00} annual fee. This {$29.00} late fee has yet as of the writing of this complaint today been refunded. I send online direct communications to Ollo Card / Ally through secure messaging and uploaded proof of these charge ( s ) securely through being logged in to my Ollo Rewards Card account on www.ollocard.com. Please have refund the {$29.00} late fee as you have already done with the {$39.00} Annual Fee in error they charged. As well as revert my percentage rate back to what it was before the {$10.00} no interest payments plan setup up around XXXX XXXX.
Consumer complaint received 2019-05-30
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Student Funding Corporation of America, Inc. (WV)

On XX/XX/2019 I was instructed by my school to fill out an apllication for the SFCA to receive loans for the last remainding balance of my tuition. The loans amounts that I was applying for were for XXXX, XXXX and XXXX. On XX/XX/2019, I received an email thanking me for submitting my application and but they need a few items from me. I needed to mail them my past two tax returns, two of my recent paystubs and a copy of my i.d . On XX/XX/2019, I received an email that my appication had been approved and the need me to sign the Master Primissory Note ( MPN ) and I had 30 days to do it. On XX/XX/2019, I received an email stating that they had received my MPN and had been accepted. I was told in the email that I would not receive the funds personally but they would be givent o my school directly. On XX/XX/2019, I graduated the XXXX XXXX XXXX School and was awaiting my XXXX which I would get a month after my graduation date. I had no reason to worry about my balance since the loan company was sending the money directly to my school. On XX/XX/2019, I received an email from the SFCA telling me that upon futher review that I was denied the loan. I was given no futher information, other than to contact my school to set up payment plan. I was completely devasted. I was counting on this money to pay the balance of my tuition. On XX/XX/2019, I emailed the SFCA and asking them why I was accepted and later denied my loan. I received nothing back from them. I tried contacting my school since they where the ones who recommended this loan company to me but they offered no further information and just told me to set up a payment plan to pay them the remainder of my balance. I talked to a family friend who has some information about loans and he told me that it was weird that I was approved and then denied the loan without any reason. He has tried to contact this company and he has even left several messages with them but they have not called back. I have even attempted to call them and they have not returned my phone call. The only information I get from the school is that in the passed eight years of working with this company they have never had this happen and that several students were accepted and then later denied the loan without any reason. I just feel like I have been played and maybe this was all a scam. This concerns me because they have my information. It also worries me because my school isn't trying to help me get to the bottom of this. I only went with this company because they assured me that they worked with them before and that they help students who in real fiancial need.
Consumer complaint received 2019-05-30
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: EQUIFAX, INC. (TX)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX  and US DEPT ED accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 5, 6, 7, 19, 20 and 21 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (VA)

The company fails to respond to my written request for validation of the alleged debt. The amount is reporting in correct and it is reporting as a negative when the account should be closed. They have failed to provide me proof of the debt bearing my signature etc. Under the law they are to delete if validation can not be provided.