davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (FL)

Initially I received several phone calls from Allied International Credit Corp on my land line, but they didn't leave a message. Shortly after, I received a letter dated XX/XX/2020, informing me that XXXX referred a collection of an alleged debt that I owed to them. 

I immediately signed on to XXXX to check because it seemed very strange. # 1, I do not have any outstanding invoices and my account is current. # 2 I  do NOT have an account number as they stated. # 3 There is no description of an item # linked to XXXX that I'm allegedly being charged for and that they are claiming is unpaid. 

I then conducted an internet search of this Allied International Credit Corp and saw many complaints from others, stating the exact same thing I experienced.
Consumer complaint received 2019-08-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I have been trying to access my Citibank Online account to access scheduled payments. The past few times I have tried it does not have as an option. I have been using online banking for many years with the same userid & password to log on. At this particular time I wanted to cancel a scheduled payment. I contacted the Tech department originally on XX/XX/XXXX. I was originally told it was a website issue & that I should try in a few days. I informed the so called " technical rep assistant '' that this has been going on for a while. She then went back & told me that my citibank card was not registered to the account, only my husbands was. This was never done by either one of us, & when my husband logs in, he also does not have access to this information. The scheduled payments are there & have been taken out monthly but neither one of us can modify them. When we go into the option it says " you have no scheduled payments ''. 
We ended the call with my only solution being to re-register MY card with the account. But still was given no explanation as to why it was happening. 
On Thursday XX/XX/XXXX I went online again & attempted to register online again. The same message appeared. I contacted Citibank again. They immediately gave me the same excuse, " it is a technical issue please give it a few days & try again '' I immediately informed them of the history of the situation. I was then put on hold again & told, " oh, I see an incident report was submitted in XXXX & our team is still working on the problem. '' I told her I called in XXXX, she informed me that she didn't know why but the previous agent I spoke with did not submit a ticket. I asked if one was submitted in XXXX why has it not ben resolved. I was then told, " Oh, the ticket in XXXX was general issue that others are having not just you ''. 
She then told me that the only way to submit a ticket for me was to submit a screenshot of the message ( why I had to do that & she could not just type the message in was beyond me ). 
I asked how would I know when it would be resolved and she told me someone would call me. which i find odd that they would personally contact each person who is supposedly having this issue. 
So after a few months I can access my account on line but can not access or manage my payees. I was told the only way to submit a scheduled payment or cancel a scheduled payment would be to directly contact them.I still have no explanation or solution to my problem. 
I felt like I have been given the runaround & wasted time I can not get back
Consumer complaint received 2022-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (NM)

I contacted Capital One on XX/XX/XXXX to inquire about a dispute with Payless XXXX XXXX I was informed that my dispute was being investigated as a fraud case ( a fraudulent charge ) as opposed to a disputed charge case. The Capital One representative informed me that the case needed to be moved from a fraud investigation to a dispute investigation, and she assured me that she would take care of that. 

I received a collections letter in the mail from Payless XXXX XXXX on XXXX XX/XX/XXXX for approximately {$1300.00} more than what I actually owe on the rental. 

After receiving the letter, I called Capital One again on XX/XX/XXXX to ask about the progress with my dispute case. Capital One informed me that the case was still being investigated as a fraudulent charge instead of a disputed charge, and that was causing the delay. The Capital One representative explained to me that a new dispute case could not be opened until the fraud investigation was closed, and because Payless XXXX XXXX  had not responded to them about the fraud investigation, Capital One was not capable of starting a dispute investigation.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (CA)

I have previously filed a complaint with CFPB regarding this identical matter, under case # XXXX. The dispute was resolved in XXXX of XXXX, yet XXXX XXXX has not removed the 30 day late from my credit report. XXXX XXXX CONTINUES TO VIOLATE ME during the period in which I should have already been able to purchase a home. XXXX XXXX has intentionally and spitefully targeted me ever since I chose to close my account with them.
Consumer complaint received 2022-04-27
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: OneMain Finance Corporation (CA)

I had my card stolen in XXXX of XXXX, been dealing with the company for over 5 months and already received a letter saying that my dispute had been approved but the funds have not been put into my account. I have called more than 100 times and spent countless hours trying to resolve this issue but they keep passing me along to a diff department every time. I can provide proof that my fraud claim has been approved and proof that they never gave me my funds. I don ; t know what else to do, I've called them repeatedly for help and they can't seem to won't help me. It's for almost {$800.00} and it's been an ongoing case for almost 6 month 's. The credit card company is One Main Financial ( XXXX ) and if you need more information from me, I can provide my account number and the letter I received from them that the fraud claim has been approved. Fraud started XX/XX/XXXX, {$180.00}, {$210.00}, {$15.00}, {$66.00}, {$160.00}, {$29.00} which totals {$670.00}. I filed a claim on XX/XX/XXXX, and on XX/XX/XXXX i recieved a letter claim # XXXX saying that the inquiry is over and that my claim has been closed and that my provisional credits were to be permanent, but they took back the credits which means they didn't give me back the money that they owed me.
Consumer complaint received 2020-06-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: John C. Heath, Attorney at Law, PLLC (TX)

Received the Following Email : XXXX XXXX Legal Notice -Loan Payment XXXX / Spam XXXX XXXX XXXX To : XXXX XXXX Bcc : XXXX XXXX, XX/XX/XXXX at XXXX XXXX For your security we disabled links in this email. If you believe it is safe to use, mark this message as not spam. 
CASE NO : XXXX Loan account : XXXX Amount Outstanding {$880.00} Original creditor -XXXX XXXX XXXX Amount : {$450.00} ( Till XX/XX/2020 ) This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to make the payment. 

Just in case we do not hear back from you, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts. 


Please respond ASAP as you have two business days to respond. 

You have to further contact with our manager XXXX XXXX XXXX XXXX Email Address : XXXX XXXX XXXX XXXX XXXX parent company of XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX and many more. 







Thank you
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XX/XX/XXXX & XX/XX/XXXX are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

CFPB, This complaint is about Private Mortgage Insurance removal. In XX/XX/2020, I request Caliber Homes Loans to start the process to remove my PMI based on home value, Caliber indicated that I need an appraisal to know my home value. The appraisal was complete and deliver to Caliber on XX/XX/2020. In XXXX I was advised that I was given the wrong information by the teller and that I need to submit a BPO. The BPO has been completed and deliver. Both the BPO and appraisal show that my home value has going up and that I am eligible for PMI removal, however, Caliber has not made a decision on the matter. I feel that because of the months with the PMI and payments of appraisal and BPO I have lost thousands of dollars due to Caliber irresponsibility. Please contact me for more details. Thanks
Consumer complaint received 2022-09-15
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. (GA)

There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX of XXXX and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these accounts.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

See attached documents below. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I have held accounts with TD Bank in the past subsequently, I closed the accounts, and fyi I would like to add that my daughter is still due monies based on their " XXXX XXXX '' I recently purchased furniture with a company I trust, and depended on the associates to the financial institution funding. I was unaware that this was a TD financial account ( I never would have agreed ) However, I am now in a receipt of an account evaluation, this was opened on XX/XX/XXXX and, I opened the account in XX/XX/XXXX and now seriously delinquent. I have never missed a payment and pay above the minimum payment. I was late by 2 days due to the fact that they do not receive electronic payment and request checks. I am without upset and was recently and abruptly dismissed by the representative that I spoke with after the notice. I am not " seriously delinquent '' and I am appauld by a bank that advertises that they are there for you or even offer forgiveness in Publically/televised advertised adds. I am unsettled by this recent correspondence
Consumer complaint received 2017-12-19
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. (IN)

As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by XXXX XXXX that literally has been added onto my current mortgage loan. I am attaching both copies of Transunion and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ 271,000+. 
Clearly ... this appears to be another retaliation from XXXX due to several complaints that I have filed with the XXXX XXXX XXXX XXXX and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-09-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (MA)

Back in XX/XX/XXXX, when the Corona Virus outbreak began, I heard that Governor XXXX XXXX was offering an assistance program to help families who are experiencing financial hardship due to COVID-19. I had contacted HMF and requested payment assistance with my loan and I asked them to extend the term of my lease agreement. This is because I had lost my job on XX/XX/XXXX and because I spent a lot of money paying them {$600.00} on XX/XX/XXXX for property taxes which is a large sum of money with my low unemployment income. I am leasing 2 cars, a XXXX XXXX XXXX and a XXXX XXXX XXXX for a total lease cost of : {$460.00}. HMF had agreed to delay payments for one month and they told me in order to keep getting assistance, I should contact them every month. After the first month of assistance, I did not call back, as my financial situation stabilized enough for me to make payments. After a period of about 2 months, On XX/XX/XXXX, one of my vehicles had been towed. When I had contacted HMF, they had told me that this happened because I was 3 months past due on my payments. Prior to this, I had auto pay set up from my banking account. Since I had asked for financial assistance, instead of postponing my auto pay, they canceled my previous agreement completely, and left me unaware that my autopay was no longer active. There was no urgent email or mail, informing us that our payments were past due. I agreed and I paid a total of {$1400.00} for two months of payments for 2 cars. I was charged a late fee totaling {$59.00} for 2 cars. 
Since I was late on my payments, HMF charged me an additional miscellaneous charge of {$420.00}. They also destroyed my credit. On top of these extra charges, I spent {$370.00} for towing. This made things very difficult for my son since he was unable to work because his car was towed. This caused a lot of financial problems, ones we would not have if it werent for HMF.

I believe that this situation is only HMFs fault because they didn & # 39 ; t give me full information from the beginning, and they didn & # 39 ; t contact me by email or mail. HMF is abusing the corona virus situation by forcing excessive charges on people who are struggling. Hyundai Financial Department is very unorganized and uneducated. Management is very rude. I & # 39 ; m leasing my 2 cars for 2nd turn  with HMF, but this will be the last one.
Consumer complaint received 2022-04-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Consumer Portfolio Services, Inc. (NJ)

I have consumer portfolio services I pay monthly for my car. I paid XXXX car payment and it wasnt credited to my account. I tried paying XXXX XXXX and for some reason it kept saying failed but I knew I had the money on my credit card. So I called consumer Portfolio service and it went to someone house phone that works for them left messages. Then I called my credit card company and with transactions when the payment that was getting declined said XXXX  but also said it was going towards a mortgage payment. I called XXXX  and of course no answer let a few messages then I called my credit card company and reported fraud and canceled the card and getting a new one. I am so beside myself I am grateful that it didnt go through. I am not going to pay them with my bank account so I dont know what to do. I also want to know what happened to XX/XX/2022 payment
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 2019-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp (NY)

Signed up for a student loan forgiveness program through equitable AcceptanceXXXX student loan care. Found out they are scamming me a service fee for them reconciliation of my loan. They charge me monthly without this going to my student loan itself. They claimed to be helping me out with my student loan not putting me into an additional loan.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is a fraudulent account that is reporting on my credit. I have currently had XXXX XXXX XXXX for years and I spoke to them and they said the account was opened in Oregon. I did not open this and it is not mine, XXXX XXXX XXXX have confirmed it and I have a police report # XXXX stating that this is fraud.