davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
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. (IN)

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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (TX)

upon logging into my Wells Fargo business checking account I was redirected to a page saying I was Pre-approved for a XXXX credit card from Wells Fargo. It clearly stated pre-approved not pre-qualified. I called them up and they proceeded to try and claim that it said pre-qualified not pre-approved. When I was adamant, the rep then very suspiciously asked whether I had proof or not. He then said to email him whatever I had. 

Based on the advertisement I received i applied for credit, which then had a negative impact on my crdit score. Had I known I was only prequalified I would not have filled out the application.
Consumer complaint received 2022-02-19
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: SYNCHRONY FINANCIAL (NJ)

Syncb/bp DC ( bank ) XX/XX/XXXX Syncb/PayPal XX/XX/XXXX SYNCB/care credit XX/XX/XXXX I did not give permission or authorization them I was a victim Identity theft
Consumer complaint received 2021-12-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

Equifax has been the only consumer reporting agency that has been difficult to file a dispute online. The only link provided after viewing your report is broken or doesnt load. This should be fast and effortless. The other XXXX agencies made it very easy with an excellent user interface and clear instructions.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX I Was in a vehicle accident ( that was not my fault ) that totaled my truck. 
I had been paying this loan on time, with no issues. My insurance company sent Santander a check and the account was shown as paid off as of XX/XX/XXXX. We then got notification 2 months later that our insurance company had sent them the wrong amount and roughly XXXX was still our responsibility, so it went back as active and showed up as late payments. We at this point had another loan and were making payments on both, we made payments every single month no matter what, but they continued to accrue interest, on a loan that was paid off and then reinstated due to an error. I talked to Santander on multiple occasions to please take off the late payments as I was making the payments. They were not willing to work with me. I need this taken off my credit.
Consumer complaint received 2020-11-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TEXAS CAPITAL BANCSHARES, INC. (TX)

Borrower : XXXX XXXX XXXX ( XXXX  ) Lender : Texas Capital Bank ( TCB ) Borrower requested to pay-off the loan from Lender, but Lender imposed the {$2000.00} for the so-called commitment fee on my pay-off amount. 
Borrower requests for the document that Borrower signed to agree to pay for the commitment fee. However, Lender failed to prove the document and declined to remove the {$2000.00} fee, then alleged that We will release collateral only after full payoff is received. Therefore, Borrower was compelled to pay the {$2000.00} when pay-off the loan for the release.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (OH)

I owed money to US Bank as a result of an overdrawn bank account. On XX/XX/2015 I settled the debt with a company by the name of XXXX XXXX XXXX XXXX. Since then I and many of my family members have been called and harassed by a company called XXXX and XXXX stating that I owe a debt to US Bank and that it needs to be paid otherwise they are going to garnish my wages, place a lien on my house and that I will have to hire an attorney to defend myself because they are taking me to court and serving me papers. A couple of months ago when I received a call and explained that I have proof that I have already paid that debt they told me that you must have paid the wrong collection agency. Well thats not a thing, I paid it and I have a paper stating that I am free and clear from the debt. So I called US bank and they said they no record of me owing any money other than what has already been paid and closed. They continue to call my mom, mother in law, ex mother in law, husband, father. Its getting WAY out of control and Im not sure how to get them to stop or how it is even legal.
Consumer complaint received 2019-08-15
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. (GA)

My complaint is for my XXXX XXXX  XXXX XXXX; account number XXXX. This company has anonymously reported my account late 3 times, one time in XXXX XXXX; again in XXXX XXXX; and another time in XXXX  XXXX. Each of these times have been incorrect as I have stayed current on this credit card and have paid on time each month since opening the card. This late payment has prevented me from qualifying for a conventional home loan because it is reporting inaccurate information. I would like for this information to be corrected to report that these payments were on time.
Consumer complaint received 2022-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MN)

In regards to group XXXX nelnet balances and payments. 
The website does not reflect the total amount due to pay off a student loan group, nor does it allows for any overpayment for daily interest. You can not over pay or try and the daily interest. Upon my payment on the website it appeared that I was paying off my group B loan in full, but my statement show I still have a balance of XXXX cents Daily interest is {$0.00}. A full business day did not pass after payment, how was interest added? My payment due is {$3.00} which is {$3.00} more than the balance and interest combined. 

XX/XX/22 statement shows a principle balance of {$500.00} and a daily interest of {$0.00} XX/XX/22 on Friday night I made a phone call to Nelnet about paying off a laon. I was advised to include the daily interest so my loan would be paid off. That amount was not provided during the call. 

XX/XX/22 Friday night I went onto the website and set up the payment of {$500.00} for the payment to process on Monday XX/XX/22 so my payment would process on Monday. The website would not allow more that {$500.00} in payment, I was not allowed to pay an extra {$0.00} for the daily interest. 

XX/XX/22 my payment was successfully processed. 

XX/XX/22 the statement shows a balance of {$0.00} and my amount due shows as {$3.00} How did daily interest apply when the payment was the less than one business day? Why is my amount due higher than principle and interest? 

XX/XX/22 I called Nelnet and made a complaint that I paid my balance for group B in full per the website. The representative said you have to also pay daily interest. I said the website does not allow payment above the balance. She tried to remove the XXXX cents but was allowed to. She asked if I wanted to pay the XXXX cents and I said it was presented as if I had paid the loan in full. I should not have to pay additional money. She tried again to removed the XXXX cents, again unsuccessfully. I said fine, I will pay the XXXX cents, but she said she was unable to for some reason, it would not allow her to process the {$0.00} payment. She said call back before XXXX tomorrow during business hours. I said ok and hung up. 

I work during normal business hours and had already spend XXXX minutes trying to sort the amount owed out. I did not take time off work to try and pay money that I did and do not believe I owe. 

XX/XX/22 statement shows {$0.00} principle balance and an estimates interest of {$0.00} but the amount due is {$3.00}. How do I owe {$3.00}? 

XX/XX/22 my balance on the website said {$0.00}. I made a pavement of {$0.00} using Nelnet website. This payment was successfully processed. 

I have other loans for a much higher amounts that I intend to pay off in the future. Will I continue to experience this problem on a larger scale?
Consumer complaint received 2022-04-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account 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 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (GA)

I took that loan of XXXX from ascend on XX/XX/2024 and the APR did not seem that high. I have my first payment due XX/XX/XXXX of {$210.00}. I was about to make an early payment towards the XXXX but when I looked at the balance it had went from XXXX which it was a couple of days ago was XXXX is now XXXX so Im guessing that it is 700 % per week or every two weeks something like that I just went to the loan documents. Im sending the information now I would really like to see if they can freeze the interest on this long and basically renegotiate the terms of the loan because I feel like that is ridiculous that XXXX went to XXXX before my first payment was made. Thank you.
Consumer complaint received 2019-08-15
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. (GA)

My complaint is for my XXXX XXXX XXXX Card; account number XXXXXXXXXXXXXX. This company has anonymously reported my account late 3 times, one time in XX/XX/XXXX; again in XX/XX/XXXX; and another time in XX/XX/XXXX. Each of these times have been incorrect as I have stayed current on this credit card and have paid on time each month since opening the card. This late payment has prevented me from qualifying for a conventional home loan because it is reporting inaccurate information. I would like for this information to be corrected to report that these payments were on time.
Consumer complaint received 2019-08-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDCOUNTRY FINANCIAL CORP (MD)

I was entered into a loan with XXXX XXXX XXXX XXXX through Mid-country Bank back in XX/XX/XXXX. The account was paid up on time by automatic withdrawal ( which is required by their services in order to obtain the loan ) all the way up until XX/XX/XXXX. At this time I was almost done paying off the loan and was suggested to refinance the loan to borrow more when another issue aroused. When I did such the bank supposedly paid off the remainder of that loan with the new loan amount ( a roll up ). A few months later they kept calling me and sending me letters saying I still owed for the older loan and refused to delete that amount or remove it from my credit report. I was still paying on the new loan by automatic withdrawals until they kept adding interest did the prior loan at this time when my bank account was closed for fraudulent activity they closed out both my accounts and placed them on a charge account for two separate loans that are on my credit report as we speak. I feel that they have violated my military lending rights as well as predatory trying to collect a debt that was already included into a new debt. As a result of this Mid Country Bank is reporting to the credit reporting agencies that there are two outstanding debts ( charge offs ) on my credit report potentially affecting my financial records which could affect my job.
Consumer complaint received 2022-04-03
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 2022-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (MA)

Received a letter From XXXX collecting debt from a credit card company that an account was opened using my identity. I requested documentation XXXX XXXX  did not provide. XXXX XXXX 's letter states I will experience tax consequences which that language is unacceptable.
Consumer complaint received 2022-04-03
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 It also states a consumer rep
orting agency Can not furnish a account without my written instructions.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (DE)

I have been getting charged DOUBLE INTEREST on my TD Bank Charge Card. My most recent payment for XXXX was paid on XX/XX/2020 for a total of {$140.00}. {$92.00} was for INTEREST. Shortly thereafter on XX/XX/2020, my account was charged AGAIN for {$94.00}. This has been typical since I started using this card. 

On XX/XX/2020 I paid {$120.00}. INTEREST CHARGED was {$80.00}. AGAIN, shortly thereafter, I was charged {$92.00} INTEREST AGAIN on XXXX XXXX. 

XXXX PAYMENT was {$100.00}. {$51.00} was INTEREST. 
XXXX INTEREST CHARGES AGAIN for {$80.00}. 

XXXX {$37.00} PAYMENT. {$21.00} was INTEREST. 
XXXX INTEREST CHARGES AGAIN for {$51.00}. 

XXXX PAYMENT was {$35.00}. INTEREST was {$1.00}. 
XXXX INTEREST CHARGES AGAIN for {$21.00} As you can see, TD Bank is charging me TWICE A MONTH FOR INTEREST.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BBVA FINANCIAL CORPORATION (CA)

My credit information was stolen and used at different locations out of state in XX/XX/XXXX and XX/XX/2019. I was given credit for XX/XX/XXXX but not for the transactions in XX/XX/XXXX. I have attempted to resolve this issue but the credit card company refuses to reimburse the amount.
Consumer complaint received 2021-07-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North State Acceptance, LLC (FL)

I've contacted North State Acceptance several times this year in order to get the original contract for this alleged debt on my credit profile that I do not owe. I have not received a response for my request at all. This error is hurting my credit profile severely! I never received a auto loan for the debt in question. I never heard of this company. On my report it stated it was a repossession. I never had a repossession ever!
Consumer complaint received 2020-09-05
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: EQUIFAX, INC. (OH)

On XX/XX/2020 a filed an dispute with Equifax, on these two accounts XXXX XXXX XXXX, and ohio department of human services. Which they said it was verified, but I didn't receive any validation letters, so I sent another dispute on XX/XX/2020 asking to reinvestigate and show me how they validated both accounts. There are no contracts, no original signed document. I haven't received any information to show these accounts can be reported on my credit. According to the FCRA. I have uploaded pictures showing they can't locate consumer account.
Consumer complaint received 2024-05-03
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MO)

This is an American Express XXXX XXXX XXXX that I bought directly from XXXX. When I tried paying for my hotel visit with this gift card, the transaction was declined. I called the customer support office, which provided no help. I can not use this card despite having a full {$50.00} balance on it.
Consumer complaint received 2021-05-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2022-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

This judgment has been on my credit report since 2017 I've tried to resolve the issue by calling the apartment complex trying to resolve the debt they no longer have my original file and said that they could not give me any information that it was already sold to the collection company, I said so how do I order the debt if you can't give me my own information nor could you give me the collection company that you sold it to information in order for me to resolve the issue I was only one month behind and they have a debt on here of {$6000.00} when I was only paying {$850.00} a month I do not think the charges are valid nor do I all the debt to the apartment complex they were also very unprofessional and acted as if they didn't want to help me to resolve the issue or tell me why the debt is so high when I was only paying {$850.00} a month when I was evicted
Consumer complaint received 2017-12-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have lost the numbers of complaints that I had placed against Select Portfolio Servicing, as a senior manager for a law firm and trying to get my modification and others to no avail, the consumers are beginning also to loose faith in the Protection that your Bureau gives to Consumers. 
Attached one more time the lies from XXXX I have submitted my loan modification packages three times and never XXXX has even uploaded my documentation to review me for a loss mitigation possibility. See Exhibit A, the lies I did not provide documentation on a timely matter. Not once in the time that I have been trying to modify my home XXXX has sent me any letters requesting additional documentation. They create them the same as XXXX XXXX XXXX does just to comply with regulations that you are allowing them to continue. Please as the only hope for homeowners as myself see attached documentation and question SPS consistent and repeatedly misconduct in violating RESPA 1024.41.