davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

For the past several months, I have been in constant contact with Experian with regards to fraudently placed accounts on my file. I have sent multiple police reports, FTC reports, and military deployment orders, however, these oulstanding accounts still exists. These accounts include USAA ( amounts : {$6300.00}, $ {$25000.00}, {$29000.00}, {$20000.00}, {$38000.00}, {$63000.00}, {$47000.00}, {$2200.00}, {$2800.00}, {$34000.00}, {$2800.00}, {$2200.00}, {$2200.00}, {$2000.00}, XXXX XXXX Bank XXXX {$130000.00} ) XXXX XXXX XXXX XXXX {$7300.00} ), XXXX ( {$59000.00} ) XXXX XXXX XXXX ( {$17000.00} ), XXXX ( {$16000.00} )
Consumer complaint received 2019-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MN)

I recently refinanced my student loans and paid AES in full. In fact I even overpaid, this is covered in my physical copies of paid in full statements from them. They erroneously and without my consent or knowledge sent some money back to the refinance company. I was not made aware of this, they just billed me for it. 

I was only made aware when they called to claim I was late on my account. I told them this was not possible and only due to my additional calls and requests found out that they sent money to the third party. They are charging me a late fee and interest along with threatening a negative reporting on my credit. 

I have had to contact them on more than 6 occasions over a week and spend hours talking with them. They tried to collect money from my mother ( cosigner ) and have hung up on her and I repeatedly. They refuse to handle their mistake on their own and are holding me liable for their choice to send money without my consent. They told me the only way I will not have a negative credit report is if I immediately pay them the amount they sent off to the third party along with their fees/interest. 

I told them I was willing to pay the amount they sent to my refinancing company as it was applied to my principal ( even though they have wasted much more than that amount in my time ) but I find it utterly insane that I am somehow liable for any fees that have come about actions that were not mine.This is even more infuriating because they did not even try to bring this up with me to work it out. 

Why am I even involved? Why could they not just handle this situation themselves? Why did they think the best course of action was to just hold me liable, charge me additional fees and interest and then follow it up with holding my ( and my cosigner 's ) credit hostage? 

I have recorded my calls with them ( I've also informed them that I was recording ).
Consumer complaint received 2021-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-03-26
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. (WI)

There were over 20 inquires place on my credit report from XX/XX/2021 up until the current date. I have called Transunion about this issue asking to have them removed as I only authorized 1 credit check from XXXX XXXX as that's who financed my car loan. They refused to remove these inquires as they state I have to contact these agencies myself. I contacted them and they all stated they can not find an account for me which I also shared with Transunion. I have a fraud alert placed on my credit reports.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, my husband and I made an online reservation for a car rental in XXXX and paid for the reservation, using my AAdvantage Mastercard with Citibank. 

The receipt for the reservation clearly shows that the total amount for the rental would be XXXX XXXX ( approximately {$120.00} ). However, when I received my credit card statement, the amount charged by the rental company was about {$410.00}. 

I contacted the rental company but was not able to resolve the situation with them ( even though they did not provide any reason for the discrepancy ). As a result, I submitted a timely written dispute with Citibank. 

A few weeks after the dispute was initiated, Citibank acknowledged that the dispute was resolved in my favor. However, I received a credit in the amount of {$70.00}, which was incorrect. The difference between the rental charge I agreed to ( {$120.00} ) and the charge on my card ( {$410.00} ) is {$280.00}, and I should have received a credit for {$280.00}. 

I contacted Citibank about this numerously in writing, on XX/XX/XXXX, XXXX and XX/XX/XXXX. I also called a few times, but received no answers and no explanations. I believe the Citibank 's conduct is in violation of the Fair Credit Card Billing Act. I respectfully request your assistance with this matter.
Consumer complaint received 2021-04-27
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. (MS)

I SENT OFF LETTERS ON XX/XX/2021, TO THE CRA 'S ( TRANSUNION, XXXX, XXXX ) ABOUT NEGATIVE ITEMS THEY ARE REPORTING ON MY CREDIT PROFILE. THE INACCURATE INFORMATION, INCLUDING MY NAME AND ADDRESS HAS NOT BEEN VERIFIED TO ME AND ITS CONTINUE TO BE POSTED KEEPING ME FROM OBTAINING CREDIT. I HAVE ATTACHED COPIES BELOW FOR MY RECORDS
Consumer complaint received 2020-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am tired of Capital One keep charging me {$35.00} each in overdraft fees for money that has already been taken in consideration in my account balance. {$35.00} for each one and then when they try to " explain '' how the system works they want us to stomach that like it's from the XXXX XXXX which is nothing but banking jibberish for this is the way we make money off of you. If I make a purchase days before my account is overdrawn, why is it ok and acceptable for a bank to think they should make money off of us because they want to hold the money up in a " pending '' status when it was already taken from the balance? Right now I have {$100.00} worth of overdraft fees for a {$14.00}, {$16.00} and {$5.00} transactions. {$35.00} a piece for those AFTER they already took those transactions away from my available balance. That is pure insanity and disgusting during this day and age when people are struggling!!!
Consumer complaint received 2019-10-30
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: SCA Collections, Inc. (GA)

I am contacting you in dispute of the below collection agency, recently the credit bureaus determined this account was correct despite my dispute for the health care agencies reasons listed below. To date these negative accounts are appearing on my credit report. In my opinion these were unfair or deceptive business practices. The billing person ( s ) failed to process these medical bills in accordance to the Office of Workers Compensation/Bill Processing, neither did they contact me to utilize my secondary insurance once the bills were denied payment. 
XXXX XXXX XXXX XXXX SCA Collections ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Collecting for 2 ) XXXX, NC
Consumer complaint received 2021-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (CA)

I applied for a loan with LoanPal for a solar system purchased through XXXX XXXX and contracted through XXXX  XXXX. The terms of the loan included the provision that the loan would not originate until I certified that the system had been completed. The first payment would be two months after the system came on line. They originated the loan on XX/XX/2021 over two months before construction had been completed. They have already started taking money from my account and the system has not yet produced even 1 watt of power.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: First Mortgage Solutions (CA)

If i could give zero stars i would. From day one this pathetic excuse for a company overpromised, lied, misled me for weeks. Up until the day i was supposed to close. They dropped the ball multiple times. I have never experienced someone so incompetent. I lost my home because XXXX, XXXX and the rest of the clowns have zero idea how to do their job. If you wa n't to actually close on your home, DO NOT WORK WITH THESE PEOPLE. DO NOT FALL FOR THEIR TEASER RATES THEY PROMISE. The second the paperwork was signed, they completely turned the tables. I hope this company goes out of business before they have a chance to completely XXXX someone else 's life. Now i am living in my car after driving across the country to close. Disgusting practices by this piece of XXXX  company.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (NY)

I was a victim of identity theft I filed a report with the federal trade commission and let the credit bureaus and collection company fair collections and outsourcing know and attached the report to my dispute. all but Equifax has not removed the debit collection from my report. I filed over 6 disputes attaching the FTC I didnt identity theft report and still its not been removed from Equifax
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A. (TX)

Since our bank was acquired by PNC, getting information regarding our line of credit and our mortgage and making payments that are properly registered has been impossible. Hours have been spent on the telephone with customer service and other bank representatives, and these are generally circular encounters, achieving nothing at the conclusion. Messages to banking officers are often left unanswered. Late charges are accumulating despite on-time payments, credit scores will be affected, and we have been unable to find any effective measure to get proper assistance despite a face to face visit to a bank officer. Attempting to work with PNC is a literal nightmare. There is not one competent person with the right connection or information to meet our banking needs on existing accounts.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (GA)

On XX/XX/XXXX a Mortgage lender attempted to access my Equifax credit report and they informed me that the result came back as no credit score and they couldn't access my report. I spoke with another lender and they sent me proof of the message that they received when they attempted to pull it. 

I called Equifax multiple times to try to resolve it. Initially, I was informed that my Equifax is not suppressed or blocked. However, when I called back on the XXXX of XXXX, I was told by the Office of Consumer Affairs that I need to verify my identity in order to have this cleared. Today, I spoke with another agent at Equifax and he said that there is no block or hold on my report. 

This situation is very frustrating and is impeding upon my ability to acquire a mortgage loan to purchase a home for my family. Also this is a clear violation of my rights under the Fair Credit Reporting Act. 

15 U.S.C. 1681c-1 states that the Consumer Reporting Agency may decline or rescind any block.

15 U.S.C. 168c-2 states that the affected consumer shall be notified promptly.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PNC Bank N.A. (LA)

DEPARTMENT OF JUSTICE [ XXXX Order No. XXXX ] Privacy Act of 1974 ; System of Records Pursuant to the provisions of the Privacy Act of 1974 ( 5 U.S.C. 552a ), notice is given that the Department of Justice proposes to establish a new Department-wide system of records entitled Correspondence Management systems ( CMS ) for the Department of Justice ( DOJ ),  DOJ/003. Most components of the Department maintain and operate their own correspondence tracking systems. There has been no change in the operation of component systems. Rather, this notice of a new system of records replaces most Privacy Act notices already published by components for existing systems, and it also provides notice for components that have not yet published a notice for such records. Because this is a Department-wide systems notice, it is broader than most correspondence tracking systems operated by individual
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CA)

A new credit card was established around the beginning of XXXX and one transaction of {$32.00} on the XXXX statement. The statement address was incorrect and no statements were received. Multiple late charges and interest amounts were assessed to the account. 

On XX/XX/XXXX, I was made aware of the situation and I called in and paid the {$32.00} amount that was charged. In addition, the representative in collections waived all of the late and interest charges on the account. The account was paid in full by the XX/XX/XXXX due date. On XX/XX/XXXX when the next statement closed, there was a {$29.00} late fee that was unjustly charged because the balance was paid in full. Our understanding was that the account was paid in full. The address was still not corrected. 

We called back on XX/XX/XXXX and spoke with XXXX at US Bank  and he said that not all of the charges were waived like we thought. He said could not waive the other late fees and additional late charges, even after explaining the situation. We still haven't received a statement, but found the statement online. They are charging additional late fees without any justification.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

Home Depot cashier signed me up for a Commercial Account Credit Card, promising deals that do not apply to me. I am XXXX years old and do not have a business. I shop at Home Depot for personal purposes only and I already have a Consumer Credit Card. I ended up with two accounts which created a VERY confusing situation and then I was charged a late fee because of my confusion with due date and I incurred finance charges because apparently with a commercial account you have to pay off the balance which was not clear to me when I was signed up for this. I feel like I was taken advantage of. I have closed the account with I am still reeling from the abuse. 

This is the Home Depot XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (NY)

Hi! My name is XXXX XXXX. My date of birth isXX/XX/XXXX. Actually i have a paypal account. I had that account registered for my XXXX direct deposit because I'm a XXXXXXXX XXXX I never had any problem with the account until last month. I lost my card last month and after I realized that I lost my paypal cash card. I checked my transactions on the paypal app. Someone used my card twice at XXXX. I didn't report those transactions because it was not really a big amount. I just locked my card. After I locked my card someone still used it at a gas station so i ordered a new card. I got my unemployement money on XX/XX/XXXX3rd from Department of labor. I got 10 direct deposits and the total amount that i got was XXXX . I tried to tranfer the money but was saying that I have to upload my Id and proof of address to send the money as they put a hold on my account.I uploaded the documents and then I was told to wait 3 days. After 3 days, They said there is some suspicious activity on my account and i can't use paypal anymore and they said I can't take my money out from paypal for the next 180 days. I contacted them multiple times to provide me explaination becuase I never did any thing wrong with my account. They didn't provide me any explaination. It's been a month my account is on hold. I request you to please help me because I was waiting for my money from the past 4 months. I'm a college XXXX. I have to pay my college dues.
Consumer complaint received 2020-04-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Recovery Systems (TX)

I have been receiving calls from so many different numbers that I can not keep up, on several occasions I have told the caller that I have no idea about this debt to which they have stated to me that they would come to my job and give me paperwork when I told them that is harassment they made horrible obscenities to me, they said you should not borrow XXXX if you can not pay for it, I asked them to please stop calling my phone and I was told that they can call me whenever they please until I pay this debt, I was harassed and actually a little afraid about it, now I see that they put this on my credit report.
Consumer complaint received 2017-08-10
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. (GA)

I received a notification from XXXX, Equifax, and XXXX notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX Accounts had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.
Consumer complaint received 2021-05-23
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. (GA)

My student loan is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. There should not be any late payments reporting due to the fact that my student loans has been in deferment since XXXX.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXXXXXX XXXX XXXX/ {$0.00} / XX/XX/2021
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NV)

I have previously requested a line item bill for this medical debt from the originating hospital & this company. Neither have provided it to me to show what was paid out by insurance. I never saw a doctor at the hospital but they show charges to a doctor. My repeated requests since XX/XX/2020 have gone unanswered and their collection tactics continue with robocalls to my phone. No written evidence of the debt & what was charged ( or for what ) has been provided.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.